THE TRANSAMERICA CENTER FOR RETIREMENT STUDIES
PRIVACY POLICY

Information Only — No Response Necessary

Protecting your privacy is very important to us. We want you to understand what information we collect and how we use it. We treat nonpublic personal information we collect from you in accordance with our Privacy Policy.

What Information We Collect and From Whom We Collect It

We may collect nonpublic personal information about you from the following sources:

• Information we derive from your connection to this web site through an Internet “cookie” (an information-collecting device) or otherwise, such as your Internet browser, domain name and referring link; and
• Information we receive from you voluntarily, such as your e-mail address and any information contained in your e-mail messages.

What Information We Disclose and To Whom We Disclose It

We do not disclose any nonpublic personal information about you to either our affiliates or non-affiliates without your express consent, except as permitted by law. We may disclose the nonpublic personal information we collect, as described above, to persons or companies that perform services on our behalf.

Our Security Procedures

We restrict access to your nonpublic personal information and only allow disclosures to persons and companies as permitted by law. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

This privacy policy was last updated March 9, 2010.

The Transamerica Center for Retirement Studies^® ("The Center") is a non-profit corporation and private foundation. The Center is funded by contributions from Transamerica Life Insurance Company and its affiliates and may receive funds from unaffiliated third-parties.

The Center and its representatives cannot give ERISA, tax, investment or legal advice. This material is provided for informational purposes only and should not be construed as ERISA, tax, investment or legal advice. 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, The Center disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it.