Replacement Investment Options Chart:

Transcription

1 Fund information, including investment objectives, risk and return characteristics, as well as fees and other expenses, for each existing investment option under the Plan is made available to you with your Plan materials. Replacement Investment Options Chart: Replacement Options Current Options Replacement Options Similar Fund Name Ticker Fund Name Ticker (Yes/No) Fidelity Cash Reserves FDRXX Standard Insurance Co. Stable Asset Fund NA No Fidelity Government Money Market SPAXX Standard Insurance Co. Stable Asset Fund NA No Fidelity Money Market SPRXX Standard Insurance Co. Stable Asset Fund NA No Fidelity Money: Retirement Govt MMkt FGMXX Standard Insurance Co. Stable Asset Fund NA No Fidelity Retirement Money Market FRTXX Standard Insurance Co. Stable Asset Fund NA No Fidelity Select Money Market FSLXX Standard Insurance Co. Stable Asset Fund NA No Fidelity US Government Reserves FGRXX Standard Insurance Co. Stable Asset Fund NA No Fidelity US Treasury Money Market FDLXX Standard Insurance Co. Stable Asset Fund NA No Fidelity Inflation-Protected Bond FINPX PIMCO Real Return Instl PRRIX Yes Fidelity Corporate Bond FCBFX Prudential Total Return Bond Z PDBZX Yes Fidelity Intermediate Bond FTHRX Prudential Total Return Bond Z PDBZX Yes Fidelity Investment Grade Bond FBNDX Prudential Total Return Bond Z PDBZX Yes Fidelity Mortgage Secs FMSFX Prudential Total Return Bond Z PDBZX Yes Fidelity Total Bond FTBFX Prudential Total Return Bond Z PDBZX Yes Spartan U.S. Bond Index Investor FBIDX Vanguard Interm-Term Bond Index Signal VIBSX Yes Fidelity Strategic Income FSICX PIMCO Income Instl PIMIX Yes Fidelity Blue Chip Value FBCVX Vanguard Equity-Income Adm VEIRX Yes Fidelity Equity Dividend Income FEQTX Vanguard Equity-Income Adm VEIRX Yes Fidelity Equity-Income FEQIX Vanguard Equity-Income Adm VEIRX Yes Fidelity Large Cap Value Enhanced Index FLVEX TIAA-CREF Large-Cap Value Idx Inst TILVX Yes Fidelity Stock Selec Lg Cp Val FSLVX Vanguard Equity-Income Adm VEIRX Yes Fidelity Strategic Dividend & Income FSDIX Vanguard Equity-Income Adm VEIRX Yes Strategic Advisers Value Multi-Mgr FKMOX Vanguard Equity-Income Adm VEIRX Yes Fidelity 130/30 Large Cap FOTTX Vanguard 500 Index Signal VIFSX Yes Fidelity Disciplined Equity FDEQX Vanguard 500 Index Signal VIFSX Yes Fidelity Dividend Growth FDGFX Vanguard 500 Index Signal VIFSX Yes Fidelity Growth & Income FGRIX Vanguard 500 Index Signal VIFSX Yes Fidelity Large Cap Core Enhanced Index FLCEX Vanguard 500 Index Signal VIFSX Yes Fidelity Large Cap Stock FLCSX Vanguard 500 Index Signal VIFSX Yes Fidelity Mega Cap Stock FGRTX Vanguard 500 Index Signal VIFSX Yes Fidelity Spartan 500 Index Inv FUSEX Vanguard 500 Index Signal VIFSX Yes Fidelity Spartan Total Market Index Inv FSTMX Vanguard 500 Index Signal VIFSX Yes Fidelity Value Discovery FVDFX Vanguard 500 Index Signal VIFSX Yes Strategic Advisers Core Multi-Mgr FLAUX Vanguard 500 Index Signal VIFSX Yes Fidelity FFIDX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Blue Chip Growth FBGRX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Capital Appreciation FDCAX T. Rowe Price Blue Chip Growth TRBCX Yes

2 Fidelity Contrafund FCNTX Fidelity Contrafund FCNTX Yes Fidelity Export & Multinational FEXPX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Fifty FFTYX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Focused Stock FTQGX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Growth Company FDGRX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Growth Discovery FDSVX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Independence FDFFX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Large Cap Growth FSLGX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Large Cap Growth Enhanced Index FLGEX Vanguard Growth Index Signal VIGSX Yes Fidelity Magellan FMAGX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Nasdaq Composite Index FNCMX Vanguard Growth Index Signal VIGSX Yes Fidelity New Millennium FMILX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity OTC FOCPX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Stock Selector All Cap FDSSX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Trend FTRNX T. Rowe Price Blue Chip Growth TRBCX Yes Strategic Advisers Growth Multi-Mgr FMELX T. Rowe Price Blue Chip Growth TRBCX Yes Fidelity Leveraged Company Stock FLVCX Vanguard Mid Capitalization Index Signal VMISX Yes Fidelity Low-Priced Stock FLPSX Vanguard Mid Capitalization Index Signal VMISX Yes Fidelity Mid Cap Enhanced Index FMEIX Vanguard Mid Capitalization Index Signal VMISX Yes Fidelity Spartan Extended Mkt Index Inv FSEMX Vanguard Mid Capitalization Index Signal VMISX Yes Fidelity Spartan Mid Cap Idx Advtg FSCKX Vanguard Mid Capitalization Index Signal VMISX Yes Fidelity Value Strategies FSLSX Vanguard Mid Capitalization Index Signal VMISX Yes Fidelity Growth Strategies FDEGX Baron Growth Instl BGRIX Yes Fidelity Mid-Cap Stock FMCSX Baron Growth Instl BGRIX Yes Fidelity Small Cap Value FCPVX Delaware Small Cap Value Instl DEVIX Yes Fidelity Small Cap Discovery FSCRX Royce Total Return Instl RTRIX Yes Fidelity Small Cap Enhanced Index FCPEX TIAA-CREF Small-Cap Blend Idx Inst TISBX Yes Fidelity Small Cap Stock FSLCX Royce Total Return Instl RTRIX Yes Fidelity Spartan Sm Cp Idx Advtg FSSVX TIAA-CREF Small-Cap Blend Idx Inst TISBX Yes Fidelity Stock Selector Sm Cp FDSCX Royce Total Return Instl RTRIX Yes Fidelity Small Cap Growth FCPGX T. Rowe Price New Horizons PRNHX Yes Fidelity Diversified International FDIVX American Funds EuroPacific Gr R6 RERGX Yes Fidelity International Discovery FIGRX American Funds EuroPacific Gr R6 RERGX Yes Fidelity International Enhanced Index FIENX TIAA-CREF International Eq Idx Instl TCIEX Yes Fidelity Overseas FOSFX American Funds EuroPacific Gr R6 RERGX Yes Fidelity Spartan Glb ex US Idx Advtg FSGDX TIAA-CREF International Eq Idx Instl TCIEX Yes Fidelity Spartan International Index Inv FSIIX TIAA-CREF International Eq Idx Instl TCIEX Yes Fidelity Total International Equity FTIEX American Funds EuroPacific Gr R6 RERGX Yes Fidelity International Small Cap FISMX MFS International New Discovery R5 MIDLX Yes Fidelity International Small Cap Opp FSCOX MFS International New Discovery R5 MIDLX Yes Fidelity Worldwide FWWFX American Funds New Perspective R6 RNPGX Yes Fidelity EMEA FEMEX American Funds New World R6 RNWGX Yes Fidelity Emerg Mkts Discv FEDDX American Funds New World R6 RNWGX Yes Fidelity Emerging Markets FEMKX American Funds New World R6 RNWGX Yes Fidelity Spartan EMkts Idx Advtg FPMAX Vanguard Emerging Mkts Stock Idx Signal VERSX Yes Fidelity Total Emerg Mkts FTEMX American Funds New World R6 RNWGX Yes

3 Fidelity Real Estate Income FRIFX TIAA-CREF Real Estate Sec Instl TIREX Yes Fidelity Real Estate Investment FRESX TIAA-CREF Real Estate Sec Instl TIREX Yes Fidelity Spartan Real Estate Idx Advtg FSRVX Vanguard REIT Index Signal VGRSX Yes Fidelity Asset Manager 20% FASIX Vanguard Wellington Adm VWENX No Fidelity Asset Manager 30% FTANX Vanguard Wellington Adm VWENX No Fidelity Asset Manager 40% FFANX Vanguard Wellington Adm VWENX No Fidelity Asset Manager 50% FASMX Vanguard Wellington Adm VWENX Yes Fidelity Asset Manager 60% FSANX Vanguard Wellington Adm VWENX Yes Fidelity Asset Manager 70% FASGX Vanguard Wellington Adm VWENX Yes Fidelity Asset Manager 85% FAMRX Vanguard Wellington Adm VWENX No Fidelity Balanced FBALX Vanguard Wellington Adm VWENX Yes Fidelity Canada FICDX Vanguard Wellington Adm VWENX No Fidelity Capital & Income FAGIX Vanguard Wellington Adm VWENX No Fidelity China Region FHKCX Vanguard Wellington Adm VWENX No Fidelity Conservative Income Bond FCONX Vanguard Wellington Adm VWENX No Fidelity Convertible Securities FCVSX Vanguard Wellington Adm VWENX No Fidelity Emerging Asia FSEAX Vanguard Wellington Adm VWENX No Fidelity Europe FIEUX Vanguard Wellington Adm VWENX No Fidelity Europe Capital Appreciation FECAX Vanguard Wellington Adm VWENX No Fidelity Floating Rate High Income FFRHX Vanguard Wellington Adm VWENX No Fidelity Focused High Income FHIFX Vanguard Wellington Adm VWENX No Fidelity Four-in-One Index FFNOX Vanguard Wellington Adm VWENX No Fidelity Freedom 2000 FFFBX Vanguard Wellington Adm VWENX No Fidelity Freedom 2005 FFFVX Vanguard Wellington Adm VWENX No Fidelity Freedom 2010 FFFCX Vanguard Wellington Adm VWENX No Fidelity Global Cmdty Stk FFGCX Vanguard Wellington Adm VWENX No Fidelity Global High Income FGHNX Vanguard Wellington Adm VWENX No Fidelity GNMA Fund FGMNX Vanguard Wellington Adm VWENX No Fidelity Government Income FGOVX Vanguard Wellington Adm VWENX No Fidelity High Income SPHIX Vanguard Wellington Adm VWENX No Fidelity Instl Shrt-Interm Govt FFXSX Vanguard Wellington Adm VWENX No Fidelity Intermediate Government Inc FSTGX Vanguard Wellington Adm VWENX No Fidelity International Capital Apprec FIVFX Vanguard Wellington Adm VWENX No Fidelity International Growth FIGFX Vanguard Wellington Adm VWENX No Fidelity International Real Estate FIREX Vanguard Wellington Adm VWENX No Fidelity International Value FIVLX Vanguard Wellington Adm VWENX No Fidelity Japan FJPNX Vanguard Wellington Adm VWENX No Fidelity Japan Smaller Companies FJSCX Vanguard Wellington Adm VWENX No Fidelity Latin America FLATX Vanguard Wellington Adm VWENX No Fidelity Mid Cap Value FSMVX Vanguard Wellington Adm VWENX No Fidelity New Markets Income FNMIX Vanguard Wellington Adm VWENX No Fidelity Nordic FNORX Vanguard Wellington Adm VWENX No Fidelity Pacific Basin FPBFX Vanguard Wellington Adm VWENX No Fidelity Puritan FPURX Fidelity Puritan FPURX Yes Fidelity Select Air Transportation FSAIX Vanguard Wellington Adm VWENX No Fidelity Select Automotive FSAVX Vanguard Wellington Adm VWENX No

4 Fidelity Select Banking FSRBX Vanguard Wellington Adm VWENX No Fidelity Select Brokerage & Invmt Mgmt FSLBX Vanguard Wellington Adm VWENX No Fidelity Select Chemicals FSCHX Vanguard Wellington Adm VWENX No Fidelity Select Communications Equip FSDCX Vanguard Wellington Adm VWENX No Fidelity Select Computers FDCPX Vanguard Wellington Adm VWENX No Fidelity Select Construction & Housing FSHOX Vanguard Wellington Adm VWENX No Fidelity Select Consumer Discretionary FSCPX Vanguard Wellington Adm VWENX No Fidelity Select Consumer Finance FSVLX Vanguard Wellington Adm VWENX No Fidelity Select Consumer Staples FDFAX Vanguard Wellington Adm VWENX No Fidelity Select Defense & Aerospace FSDAX Vanguard Wellington Adm VWENX No Fidelity Select Electronics FSELX Vanguard Wellington Adm VWENX No Fidelity Select Energy FSENX Vanguard Wellington Adm VWENX No Fidelity Select Energy Service FSESX Vanguard Wellington Adm VWENX No Fidelity Select Envir and Alt Energy FSLEX Vanguard Wellington Adm VWENX No Fidelity Select Financial Services FIDSX Vanguard Wellington Adm VWENX No Fidelity Select Gold FSAGX Vanguard Wellington Adm VWENX No Fidelity Select Health Care FSPHX Vanguard Wellington Adm VWENX No Fidelity Select Industrial Equipment FSCGX Vanguard Wellington Adm VWENX No Fidelity Select Industrials FCYIX Vanguard Wellington Adm VWENX No Fidelity Select Insurance FSPCX Vanguard Wellington Adm VWENX No Fidelity Select IT Services FBSOX Vanguard Wellington Adm VWENX No Fidelity Select Leisure FDLSX Vanguard Wellington Adm VWENX No Fidelity Select Materials FSDPX Vanguard Wellington Adm VWENX No Fidelity Select Medical Delivery FSHCX Vanguard Wellington Adm VWENX No Fidelity Select Medical Equip & Systems FSMEX Vanguard Wellington Adm VWENX No Fidelity Select Multimedia FBMPX Vanguard Wellington Adm VWENX No Fidelity Select Natural Gas FSNGX Vanguard Wellington Adm VWENX No Fidelity Select Natural Resources FNARX Vanguard Wellington Adm VWENX No Fidelity Select Pharmaceuticals FPHAX Vanguard Wellington Adm VWENX No Fidelity Select Retailing FSRPX Vanguard Wellington Adm VWENX No Fidelity Select Software & Comp FSCSX Vanguard Wellington Adm VWENX No Fidelity Select Technology FSPTX Vanguard Wellington Adm VWENX No Fidelity Select Telecommunications FSTCX Vanguard Wellington Adm VWENX No Fidelity Select Transportation FSRFX Vanguard Wellington Adm VWENX No Fidelity Select Utilities Portfolio FSUTX Vanguard Wellington Adm VWENX No Fidelity Select Wireless FWRLX Vanguard Wellington Adm VWENX No Fidelity Short-Term Bond FSHBX Vanguard Wellington Adm VWENX No Fidelity Spartan Interm Tr Bd Idx Inv FIBIX Vanguard Wellington Adm VWENX No Fidelity Spartan L/T Tr Bd Idx Inv FLBIX Vanguard Wellington Adm VWENX No Fidelity Spartan S/T Tr Bd Idx Inv FSBIX Vanguard Wellington Adm VWENX No Fidelity Strategic Real Return FSRRX Vanguard Wellington Adm VWENX No Fidelity Telecom and Utilities FIUIX Vanguard Wellington Adm VWENX No Fidelity Ultra-Short Bond FUSFX Vanguard Wellington Adm VWENX No Fidelity Value FDVLX Vanguard Wellington Adm VWENX No Fidelity Global Balanced FGBLX American Funds Capital Inc Bldr R6 RIRGX Yes Fidelity Global Strategies FDYSX American Funds Capital Inc Bldr R6 RIRGX Yes

5 Fidelity Freedom Income FFFAX Vanguard Target Retirement Income Inv VTINX Yes Fidelity Freedom 2015 FFVFX Vanguard Target Retirement 2015 Inv VTXVX Yes Fidelity Freedom 2020 FFFDX Vanguard Target Retirement 2020 Inv VTWNX Yes Fidelity Freedom 2025 FFTWX Vanguard Target Retirement 2025 Inv VTTVX Yes Fidelity Freedom 2030 FFFEX Vanguard Target Retirement 2030 Inv VTHRX Yes Fidelity Freedom 2035 FFTHX Vanguard Target Retirement 2035 Inv VTTHX Yes Fidelity Freedom 2040 FFFFX Vanguard Target Retirement 2040 Inv VFORX Yes Fidelity Freedom 2045 FFFGX Vanguard Target Retirement 2045 Inv VTIVX Yes Fidelity Freedom 2050 FFFHX Vanguard Target Retirement 2050 Inv VFIFX Yes Additional Investment Options Chart: Additional investment options are being made available to you under the Plan. The new investment options are identified below: New Investment Options Fund Name TIAA-CREF Inflation Link Bd Instl PIMCO Total Return III Instl Loomis Sayles Strategic Income Y Templeton Global Bond Adv TIAA-CREF Equity Index Instl TIAA-CREF Social Choice Eq Instl MFS Global Equity R5 First Eagle Global I Ticker TIILX PTSAX NEZYX TGBAX TIEIX TISCX MWEMX SGIIX Prospectus Availability For more information on any registered fund, please call Transamerica at for a free summary prospectus (if available) and/or prospectus. You should consider the objectives, risks, charges, and expenses of an investment carefully before investing. The summary prospectus and prospectus contain this and other information. Read them before you invest. Certain investment funds may impose trading restrictions and/or redemption fees as a result of frequent trading activity. Please contact Transamerica for more information. Transamerica Investors Securities Corp. (TISC), 440 Mamaroneck Avenue, Harrison, NY, 10528, distributes securities products. Any mutual fund offered under the plan is distributed by that particular fund s associated fund family and its affiliated broker-dealer or other broker-dealers with effective selling agreements such as TISC. Bank collective trusts funds, if offered under the plan, are not insured by the FDIC, the Federal Reserve Bank or any other government agency and are not registered with the Securities and Exchange Commission. Group annuity contracts, if offered under the plan, are made available through the applicable insurance company. Any guarantee of principal and/or interest under a group annuity contract is subject to the claims-paying ability of the applicable insurer. Certain investment options made available under the plan may be offered through various Transamerica company affiliates of Transamerica Retirement Solutions Corporation and TISC. Transamerica was selected by your employer as the services provider to your retirement plan, but the two companies are not legally affiliated. PT-5545 (5/12) Transamerica Retirement Solutions Corporation

6 Plan Investment Options: Glossary of Risk Terms For more information on any registered fund, please call Transamerica at for a free summary prospectus (if available) and/or prospectus. You should consider the objectives, risks, charges, and expenses of an investment carefully before investing. The summary prospectus and prospectus contain this and other information. Read them carefully before you invest. How to Use this Glossary: The fund profiles that follow outline more information on the investment style, objective, strategy, and risk characteristics of each fund. The particular investment risks applicable to a fund are identified in its fund profile under Risks. Each of the terms used under Risks to identify a risk is explained below in this glossary. Of course, an investment in a fund may be subject to other types of risk, and it is possible that you could lose money by investing in a fund. Asset Allocation Fund Risk: Asset allocation funds invest in variety of asset classes, and may be subject to all of the risks of these asset classes. To the extent the fund invests a higher percentage of its assets in equities, it will be subject to greater risk than a fund investing more of its assets in bonds. These funds bear investment management fees and expenses of the underlying funds in which they invest. The principal value of the fund is not guaranteed at any time. Bond Risk: Bonds and bond funds are subject to interest rate risk, credit risk, and inflation risk. Interest rate risk means that the value of bonds and bond funds generally falls when interest rates rise, causing an investor to lose money. Government Bond Risk: Any U.S. government guarantees of the securities held in a fund only pertain to those securities and not the fund or its yield. High- Yield Risk: Lower-rated, high-yield corporate debt securities represent a much greater risk of default and tend to be more volatile than higher-rated or investment grade bonds. Inflation- Protected Securities Risk: Market values of inflation-protected securities can be affected by changes in the market s inflation expectations or changes in real rates of interest. Effective Duration: A measure of a bond portfolio s sensitivity to changes in interest rates. Commodities Risk: Commodities may be speculative and more volatile than investments in more traditional equity and debt securities, and may be subject to counterparty risk, volatility risk, and leverage. Convertible Risk: Convertible securities have the characteristics of both fixed income and equity investments and may be affected by changes in interest rates, credit risk, and changes in the value of underlying common stock. Derivatives Risk: Investments in derivatives may subject the fund to greater volatility than investments in traditional securities. Equity Risk: Equity funds, unlike bond funds, invest in equity securities, which include common stock, preferred stock, and convertible securities. Because such securities represent ownership in a corporation, they tend to be more volatile than fixed income or debt securities, which do not represent ownership. domestic securities, including currency fluctuations and political instability. Growth Risk: Growth stocks may be especially volatile because their prices are largely based on the market s expectation of future earnings. Leveraged Company Risk: Investments in the stocks of leveraged companies may be subject to additional risk, as leverage can magnify the impact of adverse issuer, political, regulatory, market, or economic developments on a company. Money Market Risk: An investment in the Money Market Fund, if available under the plan, is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. Mortgage Securities Risk: Mortgage-backed securities are subject to prepayment risk and may be sensitive to changes in prevailing interest rates. Non-Diversified Risk: A fund that is classified as a nondiversified investment company may be subject to greater market fluctuation. Real Estate Risk: Investing in real estate securities is very sensitive to interest rates and volatility may increase in a changing rate environment. Portfolio Price/Earnings Ratio: Relates to the price of the stock to the prior 12-month per-share earnings of the company. Sector Risk: To the extent a fund concentrates in a particular sector, its performance will be closely tied to the performance of that sector. As a result, the fund may be more susceptible to factors affecting that sector and more volatile than funds that invest in many different sectors. Short Sales Risk: This fund uses short selling, which incurs significant additional risk. Small/Mid Cap Risk: The securities of small and medium-sized companies, because of the issuers lower market capitalization, may be more volatile than those of large-sized companies. Target/Retirement Date Fund Risk: Target date funds are subject to the same risks as the underlying asset classes in which they invest. The fund's asset allocation becomes more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds will increase. The higher the fund's allocation is to stocks, the greater the risk. The principal value of the funds is not guaranteed at any time, including at and after the target date. Value Risk: Value-based investments are subject to the risk that the broad market may not recognize their intrinsic values. Foreign Risk: Foreign securities and markets pose different and possibly greater risks than those customarily associated with

7 Information relating to non-proprietary funds is being provided as a service by Transamerica to plans whose participants may invest in these funds, and may differ from information provided by other sources. The information contained herein: (1) is proprietary to Morningstar and/or other content providers furnishing the information; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor any other applicable content provider is responsible for any damages or losses arising from any use of this information. Transamerica Investors Securities Corp. (TISC), 440 Mamaroneck Avenue, Harrison, NY, 10528, distributes securities products. Any mutual fund offered under the plan is distributed by that particular fund s associated fund family and its affiliated broker-dealer or other broker-dealers with effective selling agreements such as TISC. Bank collective trusts funds, if offered under the plan, are not insured by the FDIC, the Federal Reserve Bank or any other government agency and are not registered with the Securities and Exchange Commission. Group annuity contracts, if offered under the plan, are made available through the applicable insurance company. Any guarantee of principal and/or interest under a group annuity contract is subject to the claims-paying ability of the applicable insurer. Certain investment options made available under the plan may be offered through affiliates of Transamerica Retirement Solutions Corporation and TISC. These may include: (1) the Transamerica Funds (registered mutual funds distributed by Transamerica Capital, Inc. (TCI) and advised by Transamerica Asset Management, Inc. (TAM)); (2) group annuity contracts issued by Transamerica Financial Life Insurance Company (TFLIC), 440 Mamaroneck Avenue, Harrison, NY (includes the Stable Fund, the Fixed Fund, the Guaranteed Pooled Fund, and SecurePath for Life); and (3) group annuity contracts issued by Transamerica Life Insurance Company (TLIC), 4333 Edgewood Road NE, Cedar Rapids, IA (includes SecurePath for Life). Your employer has selected Transamerica as your retirement plan provider, but there are no other affiliations between your employer and Transamerica, TISC, TCI, TAM, MFTC, TFLIC, or TLIC. PT 9212 (10/12)