Spousal Benefits & Continuation

Available Benefits Living Benefits GMIB GMAB GMWB Lifetime GMWB Death Benefits Return of Principal Highest Anniversary Fixed Percentage Increase Earnings Enhancement Not Available Standard Not Available Contract Information Contract Type B Prospectus Date 5/1/2010 Supplement Date N/A Date of Last Update By ASC 8/31/2010 A.M. Best Rating (as of 6/29/2010) A+ Website www.transamericaadvisor.com Phone Number (800) 525-6205 As of 3/16/2010, available in all states except NY Surrender Schedule Years of Surrender Charges 7 Surrender Schedule (%) 8,8,7,6,5,4,3 Surrender Free Withdrawals Expenses & Fees Once per year or systematically, the greater of 10% of purchase payments or earnings Mortality & Expense Risk 1.15% Administration Charge 0.15% Distribution Charge 0.00% Total Annual Expense 1.30% Annual Policy Fee $35 Annual Policy Fee Waived if Anniversary Value is Equal To Or Greater Than $50,000 Contract Operation - Where Does the Contract Pay? Controlling Life: Annuitant Owner Joint Owner Annuitant Death of Pays To Husband Wife Husband Husband Joint Owner Husband Wife Husband Wife Joint Owner* Husband Wife Husband Primary Beneficiary* Husband Wife Wife Owner Trust Husband Husband Trust as Owner *Upon the non-annuitant owner's death, the death benefit equals the surrender value and the continuation amount is equal to the account value. Spousal Benefits & Continuation Can either spouse trigger the Guaranteed Death Benefit? If spousally continued is Death Benefit credited? If spousally continued is CDSC waived? *Only if the annuitant who is also an owner dies Sample Titling For Obtaining Spousal Benefits On A Non-Qualified Contract: Contingent Primary Contingent Owner Joint Owner Annuitant Annuitant Beneficiary Beneficiary Husband Wife Husband N/A Anybody Anybody Contract does not allow for multiple annuitant's, therefore the death benefit is not payable upon the death of either spouse. The above titling sample only provides a guaranteed death benefit at the death of the annuitant. If the non-annuitant owner dies, the joint owner (primary beneficiary for single owner contracts) receives the surrender value or may continue the contract at the current account value. Issue Ages and Contribution Information Non-Qualified 0-90 Owners & Annuitant $5,000 Initial $50 Additional Qualified 0-90 $1,000 Initial $50 Additional Issue ages are 0-85 for MN & OK Number of Subaccounts 66 Free Transfers Per Year 12 Subaccount Fee Range 0.54% to 1.75% Transfer Fee $10* Subaccount fee range reflects waivers and expense reimbursements (provided by company). *Fee currently waived. Yes * * No *Annual policy fee is the lesser of $35 or 2% of contract value. Benefit Name Benefit Type Impact of Withdrawals Retirement Income Choice 1.2 (Joint) Lifetime GMWB No impact up to limit; then $-4-$ or proportionate Retirement Income Choice 1.2 (Single) Lifetime GMWB No impact up to limit; then $-4-$ or proportionate Guaranteed Principal Solutions (Living Benefit Rider) Lifetime GMWB, GMWB & GMAB See Detail Return of Premium Death Benefit Death Benefit Greater of $-for-$ or Proportionate Annual Step-Up Death Benefit Death Benefit Greater of $-for-$ or Proportionate Additional Death Distribution (ADD) Earnings Enhancement Dollar-for-dollar Additional Death Distributions Plus (ADD ) Earnings Enhancement Dollar-for-dollar Initial Payment Guarantee Other N/A Life with Emergency Cash Other Proportionate Income Select for Life (Joint)(closed) Lifetime GMWB No impact up to limit; then $-4-$ or proportionate www.advsales.com Page 1 of 7 Copyright 2010 Advanced Sales & Marketing Corporation

Benefit Name Benefit Type Impact of Withdrawals Income Select for Life (Single)(closed) Lifetime GMWB No impact up to limit; then $-4-$ or proportionate Retirement Income Choice (Joint)(closed) Lifetime GMWB No impact up to limit; then $-4-$ or proportionate Retirement Income Choice (Single)(closed) Lifetime GMWB No impact up to limit; then $-4-$ or proportionate Retirement Income Choice 2008 (Joint)(closed) Lifetime GMWB No impact up to limit; then $-4-$ or proportionate Retirement Income Choice 2008 (Single)(closed) Lifetime GMWB No impact up to limit; then $-4-$ or proportionate Retirement Income Choice 2009 (Joint)(closed) Lifetime GMWB No impact up to limit; then $-4-$ or proportionate Retirement Income Choice 2009 (Single)(closed) Lifetime GMWB No impact up to limit; then $-4-$ or proportionate Family Income Protector (available 12/99-12/01) GMIB Dollar-for-dollar up to 6%; excess proportionate Managed Annuity Program (available 12/01-1/03) GMIB Dollar-for-dollar up to 6%; excess proportionate Managed Annuity Program II (available 1/03-5/03) GMIB Dollar-for-dollar up to 5%; excess proportionate Double Enhanced Death Benefit (closed) Death Benefit Proportionate or dollar-for-dollar www.advsales.com Page 2 of 7 Copyright 2010 Advanced Sales & Marketing Corporation

AllianceBernstein Variable Products Series Fund, Inc: AllianceBe AllianceBernstein Variable Products Series Fund, Inc: AllianceBe AllianceBernstein Variable Products Series Fund, Inc: AllianceBe Large-Cap Value Funds 0.88 AllianceBernstein Variable Products Series Fund, Inc: AllianceBe Large-Cap Growth Funds 1.13 BlackRock Variable Series Funds, Inc: BlackRock Basic Value VI F BlackRock Variable Series Funds, Inc: BlackRock Basic Value VI F Large-Cap Value Funds 0.68 BlackRock Variable Series Funds, Inc: BlackRock Global Allocatio Global Flexible Port Funds 0.73 BlackRock Variable Series Funds, Inc: BlackRock High Income VI F High Current Yield Funds 0.73 American Funds Insurance Series: Asset Allocation Fund; Class 2 American Funds Insurance Series: Asset Allocation Fund; Class 2 Growth 0.57 American Funds Insurance Series: Bond Fund; Class 2 Shares Corporate Debt Funds BBB- Rated American Funds Insurance Series: Growth Fund; Class 2 Shares Large-Cap Growth Funds 0.59 American Funds Insurance Series: Growth-Income Fund; Class 2 Sha Large-Cap Core Funds 0.54 American Funds Insurance Series: International Fund; Class 2 Sha International Core 0.79 Variable Insurance Products Fund II: Contrafund Portfolio; Servi Variable Insurance Products Fund II: Contrafund Portfolio; Servi Multi-Cap Core Funds 0.90 Variable Insurance Products Fund III: Balanced Portfolio; Servic Variable Insurance Products Fund III: Growth Opportunities Portf Large-Cap Growth Funds 0.98 Variable Insurance Products Fund III: Mid Cap Portfolio; Service Mid-Cap Core Funds 0.93 Variable Insurance Products Fund III: Value Strategies Portfolio Mid-Cap Value Funds 0.98 Variable Insurance Products Fund: Equity-Income Portfolio; Servi Equity Income Funds 0.82 Variable Insurance Products Fund: Growth Portfolio; Service Clas Large-Cap Growth Funds 0.93 Franklin Templeton Variable Insurance Products Trust: Franklin I Franklin Templeton Variable Insurance Products Trust: Franklin I Franklin Templeton Variable Insurance Products Trust: Franklin T Growth 0.45 Franklin Templeton Variable Insurance Products Trust: Mutual Sha Multi-Cap Value Funds 0.97 Franklin Templeton Variable Insurance Products Trust: Templeton International Value 1.03 GE Investments Funds, Inc: Total Return Fund; Class 3 Shares GE Investments Funds, Inc: Total Return Fund; Class 3 Shares Growth 0.00 Huntington Funds: Huntington VA Balanced Fund Huntington Funds: Huntington VA Balanced Fund Huntington Funds: Huntington VA Dividend Capture Fund Equity Income Funds 1.00 Huntington Funds: Huntington VA Growth Fund Large-Cap Core Funds 0.99 Huntington Funds: Huntington VA Income Equity Fund Equity Income Funds 0.97 Huntington Funds: Huntington VA International Equity Fund Global Value 1.02 Huntington Funds: Huntington VA Macro 100 Fund Multi-Cap Core Funds 1.04 Huntington Funds: Huntington VA Mid Corp America Fund Mid-Cap Core Funds 0.97 Huntington Funds: Huntington VA Mortgage Securities Fund U.S. Mortgage Funds 1.05 Huntington Funds: Huntington VA New Economy Fund Mid-Cap Growth Funds 0.99 Huntington Funds: Huntington VA Real Strategies Fund Specialty/Miscellaneous Funds 1.43 0.95 0.64 0.80 0.72 0.00 www.advsales.com Page 3 of 7 Copyright 2010 Advanced Sales & Marketing Corporation

Huntington Funds: Huntington VA Rotating Markets Fund Multi-Cap Core Funds 1.01 Huntington Funds: Huntington VA Situs Fund Small-Cap Core Funds 1.01 AIM Variable Insurance Funds (Invesco Variable Insurance Funds): AIM Variable Insurance Funds (Invesco Variable Insurance Funds): Large-Cap Core Funds 1.24 AIM Variable Insurance Funds (Invesco Variable Insurance Funds): Multi-Cap Growth Funds 1.15 Janus Aspen Series: Enterprise Portfolio; Service Shares Janus Aspen Series: Enterprise Portfolio; Service Shares Mid-Cap Growth Funds 0.95 Janus Aspen Series: Perkins Mid Cap Value Portfolio; Service Sha Mid-Cap Value Funds 1.38 Janus Aspen Series: Worldwide Portfolio; Service Shares Global Growth 0.88 MFS Variable Insurance Trust II: MFS New Discovery Portfolio; Se MFS Variable Insurance Trust II: MFS New Discovery Portfolio; Se Small-Cap Growth Funds 1.20 MFS Variable Insurance Trust II: MFS Total Return Portfolio; Ser MTB Group of Funds: MTB Managed Allocation Fund-e Growth MTB Group of Funds: MTB Managed Allocation Fund-e Growth Growth 0.72 Transamerica Series Trust: AEGON High Yield Bond VP; Service Cla Transamerica Series Trust: AEGON High Yield Bond VP; Service Cla High Current Yield Funds 1.05 Transamerica Series Trust: American Century Large Company Value Large-Cap Value Funds 1.13 Transamerica Series Trust: Asset Allocation-Conservative VP; Ser Consv F Transamerica Series Trust: Asset Allocation-Growth VP; Service C Multi-Cap Core Funds 0.39 Transamerica Series Trust: Asset Allocation-e Growth VP; Growth 0.38 Transamerica Series Trust: Asset Allocation-e VP; Service Transamerica Series Trust: BlackRock Large Cap Value VP; Initial Large-Cap Value Funds 0.84 Transamerica Series Trust: BlackRock Large Cap Value VP; Service Large-Cap Value Funds 1.09 Transamerica Series Trust: Clarion Global Real Estate Securities Real Estate Funds 1.16 Transamerica Series Trust: International e Growth Fund VP International Core 0.39 Transamerica Series Trust: Jennison Growth VP; Initial Class Sha Large-Cap Growth Funds 0.85 Transamerica Series Trust: Jennison Growth VP; Service Class Sha Large-Cap Growth Funds 1.10 Transamerica Series Trust: JPMorgan Enhanced Index VP; Initial C Large-Cap Core Funds 0.84 Transamerica Series Trust: JPMorgan Enhanced Index VP; Service C Large-Cap Core Funds 1.09 Transamerica Series Trust: JPMorgan Mid Cap Value VP; Service Cl Mid-Cap Core Funds 1.14 Transamerica Series Trust: Marsico Growth VP; Service Class Shar Large-Cap Growth Funds 1.08 Transamerica Series Trust: MFS International Equity VP; Service International Core 1.33 Transamerica Series Trust: Morgan Stanley Active International A International Core 1.07 Transamerica Series Trust: Morgan Stanley Active International A International Core 1.32 Transamerica Series Trust: Morgan Stanley Mid-Cap Growth Fund VP Mid-Cap Growth Funds 1.18 Transamerica Series Trust: Multi-Managed Large Cap Core VP; Init Large-Cap Growth Funds 0.84 Transamerica Series Trust: Multi-Managed Large Cap Core VP; Serv Large-Cap Growth Funds 1.09 Transamerica Series Trust: PIMCO Total Return VP; Service Class Intermediate Investment Grade De Transamerica Series Trust: T Rowe Price Equity Income VP; Initia Equity Income Funds 0.82 Transamerica Series Trust: T Rowe Price Equity Income VP; Servic Equity Income Funds 1.07 Transamerica Series Trust: T Rowe Price Growth Stock VP; Initial Large-Cap Growth Funds 0.86 www.advsales.com Page 4 of 7 Copyright 2010 Advanced Sales & Marketing Corporation 1.01 0.38 0.38 0.95

Transamerica Series Trust: T Rowe Price Growth Stock VP; Service Large-Cap Growth Funds 1.11 Transamerica Series Trust: T Rowe Price Small Cap VP; Service Cl Small-Cap Growth Funds 1.13 Transamerica Series Trust: Transamerica Balanced VP; Service Cla Growth 1.16 Transamerica Series Trust: Transamerica BlackRock Global Allocat Global Flexible Port Funds 0.36 Transamerica Series Trust: Transamerica BlackRock Tactical Alloc Transamerica Series Trust: Transamerica Convertible Securities V Specialty/Miscellaneous Funds 1.07 Transamerica Series Trust: Transamerica Diversified Equity VP; I Global Growth 0.91 Transamerica Series Trust: Transamerica Diversified Equity VP; S Global Growth 1.16 Transamerica Series Trust: Transamerica Efficient Markets VP; Se Growth 0.77 Transamerica Series Trust: Transamerica Focus VP; Service Class Large-Cap Core Funds 1.15 Transamerica Series Trust: Transamerica Foxhall Emerging Markets Emerging Markets Funds 1.27 Transamerica Series Trust: Transamerica Foxhall Global Conservat Global Income Funds 1.25 Transamerica Series Trust: Transamerica Foxhall Global Growth VP Global Growth 1.27 Transamerica Series Trust: Transamerica Foxhall Global Hard Asse Natural Resources Funds 1.27 Transamerica Series Trust: Transamerica Growth Opportunities VP; Mid-Cap Growth Funds 1.13 Transamerica Series Trust: Transamerica Hanlon Balanced VP; Serv Transamerica Series Trust: Transamerica Hanlon Growth and Income Consv F Transamerica Series Trust: Transamerica Hanlon Growth VP; Servic Multi-Cap Growth Funds 1.00 Transamerica Series Trust: Transamerica Hanlon Managed Income VP General Bond Funds 1.24 Transamerica Series Trust: Transamerica Index 100 VP; Service Cl Multi-Cap Growth Funds 0.00 Transamerica Series Trust: Transamerica Index 35 VP; Service Cla Transamerica Series Trust: Transamerica Index 50 VP; Service Cla Consv F Transamerica Series Trust: Transamerica Index 75 VP; Service Cla Growth 0.63 Transamerica Series Trust: Transamerica Money Market VP; Service Money Market Funds 0.46 Transamerica Series Trust: Transamerica Science & Technology VP; Science & Technology Funds 1.11 Transamerica Series Trust: Transamerica Small/Mid Cap Value VP; Small-Cap Core Funds 0.88 Transamerica Series Trust: Transamerica Small/Mid Cap Value VP; Small-Cap Core Funds 1.13 Transamerica Series Trust: Transamerica US Government Securities General U.S. Government Fds 0.61 Transamerica Series Trust: Transamerica US Government Securities General U.S. Government Fds 0.86 Transamerica Series Trust: Transamerica Value Balanced VP; Servi Growth 1.09 Transamerica Series Trust: Transamerica WMC Diversified Growth V Multi-Cap Growth Funds 0.79 Transamerica Series Trust: Transamerica WMC Diversified Growth V Multi-Cap Growth Funds 1.04 0.49 1.24 1.00 0.00 0.62 www.advsales.com Page 5 of 7 Copyright 2010 Advanced Sales & Marketing Corporation