Transamerica Retirement Solutions Corporation and its representatives cannot give ERISA, tax, legal, or investment  advice. This material is provided for informational purposes only based on our understanding of material provided and should not be construed as ERISA, tax, legal, or investment advice. Clients and other interested parties must consult and rely solely upon their own independent advisors regarding their particular situation and the concepts presented here. Although care has been taken in preparing this material and presenting it accurately, Transamerica Retirement Solutions Corporation disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it.

Transamerica’s TPA Partnership Referral Program
Transamerica’s 2015 TPA Partnership Referral Program Transamerica reserves the right to cap payouts at a TPA firm level with advanced notice. Transamerica reserves the right to suspend or change this program at any time. Transamerica may interpret the terms of this program in its sole discretion, including, but not limited to, the validity of leads generated and timing of installed plans. Transamerica reserves the right to determine, in its sole discretion, which TPAs are eligible for the program and which TPAs, if any, qualify for the payments and/or benefits described herein. Transamerica’s Partnership Referral Program is separate and distinct from Transamerica’s Standard Service- Fee Income Program. Point-of-sale paperwork needs to be signed and submitted by December 31, 2015, and assets must be received by March 31, 2016. Additional benefits are made available once referral sales reach 10 plans and $15 million in assets in 2015. Once a TPA qualifies for Tier three, he or she should contact his/her TPA Services vice president to determine how best to enjoy the additional benefits of the program. Tier movement is based on funded plans. This scale for payment applies only to plans sold by Transamerica where the TPA actively promoted Transamerica (as a company) to a financial advisor, CPA, plan sponsor prospect or other referral source, and has been proactive with joint marketing efforts and other services related to the referred cases, as appropriate. This scale will not be modified on a case-by-case basis. For Emerging Markets plans, this program will only pay to a maximum of $10 million in transfer or $16,000 based on assets per plan. For Institutional Markets plans, this program will only pay to a maximum of $10,000 based on assets per plan. Please note that all plans listed in the example are referred by the TPA. For plans referred to an institutional regional vice president with over $20 million in transferred assets, a one-time payment of $10,000 will be made to the referring TPA. Any other opportunities will need prior discussion as to the amount of payment. Payments are made in the month following the quarter in which the asset transfer arrives at Transamerica. Plan paperwork must be signed and submitted to Transamerica by 12/31/15. Payments are made via check in the month following each quarter end in which the plan is funded. Multiple-plan opportunities are priced separately. Contact your TPA Services vice president for all multiple-plan opportunities. Marketing events may be utilized for the audience of your choice: financial advisors, plan sponsors, or CPAs. All plan types qualify. Payments for multiple employer plans (MEPs) are only made on the assets associated with the transfer, and do not include individual adopters into an MEP/PEO after the initial installation in 2015. The multiple employer plan has two quarters in which to transfer all agreed-upon new business commitments, in order to qualify for the payout. Similarly, payments for a Retirement Plan Exchange^® are also only made on the assets associated with the transfer (based on the new business commitment achieved in two quarters), and does not include individual participating employers added into the Exchange after the initial installation in 2015.

Transamerica’s Standard Service Fee Income Program
This program is subject to change without notice. Deposit-based income is not available for multiple employer plans.

Transamerica’s TPA Advantage Rewards Program^SM
This program may be modified or discontinued at any time. Membership in the 2016 TPA Advantage Rewards Program^SM is based on 2015 new assets and plans achieved in the 2015 calendar year. See special membership considerations below.

Multiple Employer Plans (MEP)
Multiple employer plans are counted annually towards qualification in the following way: in the year the MEP is sold (in 2015), all assets from an MEP’s adopting employers will count toward qualification, and five plans will be counted toward the plan count qualification for each MEP onboarded in 2015. If you sell one MEP with 10 adopters, and $11 million in assets, all assets and five plans will be credited/counted toward your 2016 membership for that MEP. Alternatively, if you sell one MEP with 4 adopters, and $10 million in assets, all assets and five plans will be credited/counted toward your 2016 membership for that MEP. If you sell additional MEPs, then its plans and assets will be counted in the same fashion. Adopting employers onboarded in 2016 and beyond from 2015-installed MEPs do not count towards TPA Advantage Rewards Program^SM qualification.

Retirement Plan Exchanges^®
Retirement Plan Exchanges^® will be treated in the same fashion as stated above for MEPs. All assets from a 2015-installed Exchange will count toward qualification, and five plans will be credited/counted toward the plan count qualification. Participating employers onboarded in 2016 and beyond from 2015-installed Exchanges, do not count towards TPA Advantage Rewards Program^SM qualification.

Common Ownership and the TPA Advantage Rewards Program^SM
In the event your firm has multiple locations and common ownership and you want all offices’ production to count toward the TPA Advantage Rewards Program^SM qualification, all assets and plans will be aggregated as one. We will treat all offices as one firm if all revenue flows to one location. One contact will need to be provided as point of communication and one award will be made based on the qualification level achieved. If you want each location within your firm to be treated separately, each firm will need to reach qualifications separately. Please contact your TPA Services vice president to determine how you wish to be counted for purposes of Transamerica’s TPA Advantage Rewards Program^SM. If you have any questions about our TPA Advantage Rewards Program^SM, please contact your TPA Services vice president.

Plan Administration Service Support
Plan Administration Service Support (PASS) is an optional menu of varying services that the plan sponsor (and the plan's third party administrator) can select. PASS allows Transamerica to perform non-discretionary administrative services for the plan at the direction of the Plan Administrator under guidelines established by the Plan Administrator in its sole discretion, and is available depending upon the plan's assets. Additional fees will apply for the PASS services that you choose. The plan's third party administrator may determine availability of these services.

Retirement Plan Exchange
Retirement Plan Exchange is a service mark of Transamerica Corporation.

TPAConnect^SM Service Desk
TPAConnect^SM is our dedicated service desk staffed with specially trained professionals to provide you with high quality service and the day-to-day support you need to manage your plans efficiently. Most importantly, TPAConnect^SM is available to answer virtually every question you might have. You won’t need to call multiple people or places to get the help you need. TPAConnect^SM offers support and information in many areas including: Investment information, website support, enrollment meetings and materials, assistance with data downloads, recordkeeping questions, reporting questions, confirmation of transactions, statement questions, and product changes or questions. TPAConnec^SM is available at 877-398-7526 Monday through Friday, from 9 a.m. through 8 p.m. ET. 

Social Media
This is for informational purposes only. FINRA and the SEC have specific guidelines with respect to Social Media and Registered Representatives and Registered Investment Advisors must comply with those rules and regulations. In addition, other rules and regulations may apply. Each practitioner must use his or her own judgment as to the permissibility of using social media in their work settings. Rules of any affiliated broker dealer or registered investment advisor must also be reviewed before engaging in social media activities.

Fund Revenue Equalization^SM
Transamerica's Fund Revenue Equalization^SM method is designed to levelize the percentage of plan administrative fees borne by participants in connection with the investment choices they select under the plan. The plan sponsor and participants, not Transamerica, should determine whether the fees charged under the plan are reasonable for the services provided. For availability and any limitations, check with your Transamerica representative.

Managed Advice^SM
Managed Advice^SM provides a participant with an asset allocation mix of funds available within the plan. The asset allocation mix will be automatically rebalanced to become more conservative over time as the participant approaches a designated retirement year. Additional fees and terms and conditions apply to the Managed Advice^SM service. Retirement date portfolios are subject to the same risks as the underlying asset classes in which they invest. The higher the portfolio’s allocation to stocks the greater the risk. The principal value of the portfolio is never guaranteed, including at and after the target date.

PortfolioXpress^®
PortfolioXpress^® is a registered service mark of Transamerica Retirement Solutions Corporation (Transamerica).

PortfolioXpress presents a series of asset allocation models up to and through a designated retirement year. Participants are solely responsible for choosing the retirement year and risk preference. By subscribing to the service, participants agree to each of the asset allocation mixes and automated rebalancing transactions that will take place over time within your account as you approach the selected retirement year.  If you sign up, you should carefully review the service agreement for additional information regarding fees and other terms and conditions that may apply to this service. Retirement date portfolios are subject to the same risks as the underlying asset classes in which they invest. The higher the portfolio’s allocation is to stocks, the greater the risk. The principal value of the portfolio is not guaranteed at any time, including at and after the target date. PortfolioXpress is intended as investment education. Transamerica is not a plan fiduciary and does not provide investment advice.

Retirement Outlook Estimator
This calculator is for illustration only and is not intended to provide investment advice. It does not portray actual investment results or guarantee future results. Hypothetical investment returns do not reflect actual results or guarantee future results; your results may vary based on market conditions. This calculator makes no assumptions about your tax status or savings. The calculator assumes any contributions above the annual qualified plan contribution limit are made to other retirement savings vehicles. An industry standard annuitization formula is used to calculate an estimated income amount based on hypothetical savings at retirement; this value is then adjusted for other retirement income. Estimated income amounts are expressed in terms of future dollars at retirement. Calculator results may vary with each use and over time. You may wish to revisit the calculator periodically or as your financial situation and goals change. The calculator does not account for factors including early-withdrawal penalties, required minimum distributions, and holding periods. The calculator compounds earnings monthly and assumes that contributions are made at the end of the month.

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© 2014 Transamerica Retirement Solutions Corporation
For TPA Use Only.