Everyone deserves a better Tomorrow.

Everyone deserves a better Tomorrow. Trans$ure SM is interest sensitive whole life insurance with benefits that never decrease and premiums that never increase. Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. 4% guaranteed interest rate and coverage for your eligible family members. Now without a medical exam you can buy interest sensitive whole life insurance coverage and build cash value with a guaranteed 4% interest rate. You can help protect yourself and eligible members of your family, all with the convenience of payroll deduction. You ll be able to keep your coverage and take it with you if you ever leave the company. Half of all American households say they need more life insurance. 1 How about you and your family? You can take action now by choosing the amount of coverage you need. None of us likes to think about these things, but it s important that you can also tap into your life insurance death benefit early if you re ever diagnosed with a terminal illness. 2 That benefit could really help you and your family during a difficult time. If you re ever laid off from your full-time job, there s also protection to keep paying for your policy for as long as six months. 3 Here s another plus: if you buy this policy and continue to pay the monthly cost, you have the option of choosing a reduced paid-up life insurance policy. You can cover yourself, your spouse, and your eligible dependents. In addition to your coverage, you can buy whole life policies for your spouse and each eligible child and grandchild. Or you could choose to attach term life insurance rider to your policy or your spouse s to add extra coverage for your children. For more information on the plan, your options and cost, go to the UNC Health Care HR website: Life insurance benefits that will never decrease Premiums that will never increase Accelerated Death Benefit for Terminal Illness Long Term Care Waiver of Premium Due to Layoff A 4% guaranteed interest rate Option to receive a reduced paid-up whole life insurance policy for your retirement http://bit.do/unchchr 1 LIMRA, 2013 Insure Your Love Fact Sheet. Use of statistic does not imply endorsement. 2 Not available in Massachusetts and Puerto Rico. 3 Not available in Massachusetts, Minnesota, New Jersey, Puerto Rico, Virginia or Vermont. CWL01C(UNC)new-0114

Who would you like to cover? Ages Available s Available Coverage* for yourself 16 through 70 $5,000 $500,000 Spouse or equivalent by state law 16 through 65 $5,000 $100,000 Child or grandchild 15 days through age 24 $25,000 whole life policy Child 15 days through age 25 $10,000 child level term insurance rider * Not to exceed five times base salary. You can purchase coverage for just a few dollars per week. The price you pay will depend on your age and whether or not you use tobacco. The minimum weekly cost to participate is $4. Sample costs below show you how much coverage you can buy for just $4 or $10 per week. $4 A Week Non-Tobacco s Death Benefit Terminal Illness Benefit Reduced Paid Up Policy after 16 years or at Age 65, whichever is later.* 25 $24,515 $18,386 $20,592 35 $16,160 $12,110 $12,281 45 $10,055 $7,541 $6,234 55 $5,390 $4,042 $2,803 $10 A Week Non-Tobacco s Death Benefit Terminal Illness Benefit Reduced Paid Up Policy after 16 years or at Age 65, whichever is later.* 25 $61,286.00 $45,964.00 $51,480.00 35 $40,385.00 $30,288.00 $30,692.00 45 $25,128.00 $18,846.00 $15,579.00 55 $13,472.00 $10,104.00 $7,005.00 * Under this option, the owner may choose a Reduced Paid Up Life Insurance Policy. The cash surrender value is used to buy a level amount of whole life insurance and no further premiums will be due. The amount shown reflects the later after 16 years or at age 65 based on the insured s age and class of risk. Don t miss your opportunity! We re all busy these days, whether it s work, activities with the kids, or staying connected with family and friends. Take just a few minutes today to think about your future and your family s needs. With the convenience of payroll deduction and a range of policy choices, here s your chance to take action for tomorrow. This is a brief summary of Trans$ure SM, Interest Sensitive Whole Life Insurance. Policy underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy form series CPWL0100 and CCWL0100. Rider form series CRABTI00, CRWPL100, CRCHIL00. Forms and form numbers may vary. Coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details Up to date information regarding our compensation practices can be found in the Disclosures section of our website at: www.tebcs.com.

Trans$ure SM interest sensitive whole life insurance Trans$ure SM Interest Sensitive Whole Life Insurance is underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Accelerated Death Benefit for Long-Term Care Rider Get your money early if you ever need long-term care. Wouldn t it be helpful to take an advance against your life insurance death benefit if you are ever diagnosed as being chronically ill and still know there will be life insurance left for your family? That s the purpose of your Accelerated Death Benefit for Long-Term Care Rider. Chronically ill means a licensed physician says you are unable to perform for 90 days or longer at least two activities of daily living such as dressing, taking a shower, eating, toileting, and being able to move from one activity to another or that you suffer severe issues with memory. 4% of your life insurance death benefit amount is available each month The amount of money available to you if you are ever chronically ill will be 6% of your life insurance benefit for up to 16 months, provided you are in a licensed nursing or assisted living facility. If you are receiving home health care or day care instead, it will be 4% for 25 months. When benefits are paid under this provision, your life insurance death benefit, surrender charges, and your policy s accumulation value will be reduced proportionately. If you have an outstanding policy loan, your monthly loan payments will be subtracted from your benefits every month to continuing paying off your loan balance. Any remaining balance will be paid to your beneficiary in the event of your death. If you have used all of your death benefit, the policy will end. You don t have to make monthly premium payments when you re chronically ill You will not need to make monthly premium payments during the months you are receiving benefits under this provision (those amounts are waived for you). Accelerated death benefit provisions all work together You may have other accelerated death benefits that allow you to access your life insurance early for critical illness or other purposes. Remember that all of these provisions work together and will pay no more than 100% of your life insurance death benefit. Be aware of how this money is taxed When you get early life insurance benefits, you may have to pay taxes on all or part of this money, although these payments are intended to be excluded from your gross income for federal tax purposes. We may update the policy language with an amendment from time to time to meet any future tax changes or make needed tax clarifications, and if we do, you ll receive a written notice of any changes. We cannot guarantee how these payments will be treated for income tax purposes. These monthly payments could also impact your eligibility for public assistance programs. Talk with a qualified tax advisor and appropriate social services agencies to help you understand how an early payout could affect you and your family. This rider may not cover all the costs associated with long term care incurred during the period of coverage. Up to date information regarding our compensation practices can be found in the Disclosures section of our website at www.tebcs.com. This is a brief summary of Accelerated Death Benefit for Long Term Care Rider offered with Trans$ure SM Whole Life Insurance. Limitations and exclusions apply. Be sure to read your insurance certificate for the exact definition of disability and the way this benefit is applied in North Carolina. Refer to the policy, certificate and riders for complete details. Rider Form Series CRABLTNC. CWL03C3(NC)-0613

Trans$ure SM interest sensitive whole life insurance Trans$ure SM Interest Sensitive Whole Life Insurance is underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Waiver of Premium Benefit Rider Planning for an unexpected disability can help offer financial security. This rider helps protect against the loss of coverage if you, the insured employee, become totally disabled. Benefits continue for as long as the total disability lasts. The disability must begin prior to age 60 and while coverage (under this rider) is in force. This rider will be included on all contracts issued for insured employees age 16 through 55 and insured family members. This benefit also applies to the monthly premiums for any coverage on insured dependents, however, this feature is only activated upon the employee s disability. Totally disability is the inability of the owner, because of bodily injury or disease to perform the material and substantial duties of his or her occupation. We will also recognize as total disability the owner s complete and irrevocable loss of any one of the following: Sight of both eyes Use of both hands or both feet Use of one hand and one foot Hearing in both ears The waiver of premium benefits stops on the earliest of the following dates: The owner s total disability ends; The owner refuses to give us proof of continuing total disability; The owner refuses to be examined by a physician of our choice, at our expense; or The contract ends. This rider will terminate on the earliest of: The Anniversary on or following the insured s 60th birthday, unless the owner is totally disabled prior to that date; The date that the rider or contract lapse for failure to pay premiums, subject to the grace period provision of the contract; The date a non forfeiture option under the contract, if any, becomes effective; The date the contract to which this rider is attached terminates; The date on which this rider is terminated upon the owner s written request; or The date the insured dies. There is a waiting period of 6 consecutive months of total disability that starts on the date the owner s total disability begins. Up to date information regarding our compensation practices can be found in the Disclosures section of our website at: www.tebcs.com. This is a brief summary of the Waiver of Premium Benefit Rider offered with Trans$ure SM Interest Sensitive Whole Life Insurance. Be sure to read your insurance certificate for the exact definition of disability and the way this benefit is applied in your state. Rider form series CRWP0100. Forms and form numbers may vary. Coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the rider for complete details. CWL03C6-0613

Non-Tobacco $10.00 Semi-Monthly Premium $12.00 Semi-Monthly Premium $16.00 Semi-Monthly Premium at 16 39,099 16,916 46,917 20,299 62,550 27,062 16 17 37,746 16,255 45,295 19,506 60,390 26,006 17 18 36,485 15,636 43,780 18,763 58,371 25,016 18 19 35,200 15,010 42,240 18,012 56,317 24,015 19 20 34,003 14,423 40,804 17,307 54,402 23,075 20 21 32,795 13,833 39,354 16,599 52,470 22,131 21 22 31,585 13,243 37,904 15,893 50,534 21,188 22 23 30,428 12,678 36,510 15,212 48,678 20,282 23 24 29,348 12,147 35,218 14,576 46,953 19,433 24 25 28,276 11,620 33,930 13,944 45,239 18,591 25 26 27,187 11,089 32,623 13,306 43,498 17,742 26 27 26,093 10,559 31,313 12,671 41,748 16,893 27 28 25,085 10,065 30,102 12,078 40,134 16,104 28 29 24,055 9,566 28,865 11,478 38,485 15,304 29 30 23,083 9,091 27,700 10,909 36,930 14,545 30 31 22,167 8,640 26,599 10,368 35,465 13,824 31 32 21,262 8,196 25,515 9,836 34,018 13,114 32 33 20,345 7,750 24,413 9,300 32,548 12,399 33 34 19,470 7,323 23,364 8,788 31,149 11,716 34 35 18,638 6,916 22,366 8,299 29,820 11,065 35 36 17,782 6,503 21,339 7,803 28,449 10,403 36 37 16,977 6,112 20,373 7,334 27,162 9,779 37 38 16,198 5,734 19,438 6,881 25,915 9,174 38 39 15,459 5,374 18,548 6,448 24,730 8,598 39 40 14,737 5,024 17,683 6,029 23,577 8,038 40 41 14,047 4,689 16,856 5,627 22,474 7,502 41 42 13,389 4,369 16,067 5,243 21,420 6,989 42 43 12,763 4,063 15,314 4,875 20,418 6,500 43 44 12,155 3,767 14,585 4,521 19,446 6,027 44 45 11,597 3,492 13,916 4,190 18,554 5,586 45 46 10,997 3,208 13,196 3,850 17,593 5,132 46 47 10,424 2,937 12,508 3,525 16,676 4,699 47 48 9,790 2,656 11,748 3,187 15,663 4,249 48 49 9,176 2,386 11,011 2,863 14,681 3,817 49 50 8,610 2,135 10,332 2,563 13,776 3,417 50 51 8,072 1,899 9,686 2,278 12,914 3,038 51 52 7,563 1,676 9,076 2,012 12,100 2,682 52 53 7,085 1,468 8,502 1,761 11,336 2,348 53 54 6,636 1,273 7,964 1,527 10,618 2,036 54 55 6,217 1,091 7,461 1,309 9,947 1,745 55 56 6,739 1,066 8,087 1,279 10,782 1,705 56 57 6,352 888 7,622 1,065 10,163 1,420 57 58 5,986 719 7,183 863 9,577 1,150 58 59 5,637 559 6,765 670 9,020 894 59 60 5,305 406 6,366 487 8,487 650 60 61 N/A 5,982 314 7,976 418 61 62 N/A 5,618 150 7,491 200 62 63 N/A 5,276 0 7,034 0 63 64 N/A N/A 6,606 0 64 65 N/A N/A 6,199 65 66 N/A N/A 5,796 66 67 N/A N/A 5,417 67 68 N/A N/A 5,059 68 69 N/A N/A N/A 69 70 N/A N/A N/A 70 The premium requested results in a face amount outside the allowable limits. ($5,000 - $500,000) Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31

Tobacco $10.00 Semi-Monthly Premium $12.00 Semi-Monthly Premium $16.00 Semi-Monthly Premium at 16 29,027 14,084 34,833 16,901 46,443 22,534 16 17 28,412 13,715 34,092 16,457 45,454 21,942 17 18 27,817 13,358 33,381 16,030 44,503 21,370 18 19 26,822 12,810 32,187 15,372 42,912 20,494 19 20 25,757 12,231 30,908 14,677 41,209 19,568 20 21 24,800 11,706 29,758 14,046 39,676 18,727 21 22 23,838 11,181 28,606 13,417 38,140 17,889 22 23 22,928 10,682 27,513 12,819 36,682 17,091 23 24 22,004 10,180 26,405 12,216 35,204 16,287 24 25 21,114 9,696 25,337 11,636 33,779 15,512 25 26 20,157 9,185 24,187 11,021 32,249 14,694 26 27 19,220 8,686 23,064 10,423 30,750 13,896 27 28 18,395 8,240 22,074 9,888 29,430 13,183 28 29 17,561 7,793 21,073 9,352 28,096 12,468 29 30 16,741 7,355 20,089 8,826 26,783 11,767 30 31 15,929 6,923 19,115 8,308 25,486 11,076 31 32 15,203 6,531 18,244 7,838 24,323 10,449 32 33 14,504 6,154 17,406 7,385 23,206 9,846 33 34 13,797 5,776 16,556 6,931 22,073 9,241 34 35 13,139 5,422 15,767 6,507 21,022 8,676 35 36 12,484 5,073 14,980 6,087 19,972 8,116 36 37 11,860 4,740 14,233 5,689 18,976 7,584 37 38 11,281 4,429 13,536 5,314 18,049 7,086 38 39 10,707 4,124 12,848 4,948 17,131 6,598 39 40 10,172 3,837 12,207 4,604 16,274 6,139 40 41 9,664 3,564 11,596 4,277 15,462 5,703 41 42 9,187 3,307 11,024 3,968 14,698 5,291 42 43 8,739 3,064 10,486 3,677 13,981 4,902 43 44 8,303 2,830 9,964 3,396 13,285 4,528 44 45 7,896 2,609 9,476 3,131 12,633 4,175 45 46 7,416 2,370 8,899 2,844 11,865 3,791 46 47 6,964 2,145 8,357 2,574 11,142 3,432 47 48 6,544 1,936 7,853 2,323 10,471 3,097 48 49 6,144 1,737 7,373 2,084 9,830 2,779 49 50 5,770 1,551 6,924 1,861 9,232 2,481 50 51 5,418 1,376 6,501 1,651 8,667 2,201 51 52 5,089 1,212 6,107 1,454 8,142 1,939 52 53 N/A 5,735 1,270 7,646 1,693 53 54 N/A 5,382 1,097 7,176 1,462 54 55 N/A 5,056 936 6,741 1,248 55 56 N/A 5,504 911 7,339 1,215 56 57 N/A 5,206 754 6,941 1,006 57 58 N/A N/A 6,565 807 58 59 N/A N/A 6,206 617 59 60 N/A N/A 5,863 436 60 61 N/A N/A 5,531 276 61 62 N/A N/A 5,218 127 62 63 N/A N/A N/A 63 64 N/A N/A N/A 64 65 N/A N/A N/A 65 66 N/A N/A N/A 66 67 N/A N/A N/A 67 68 N/A N/A N/A 68 69 N/A N/A N/A 69 70 N/A N/A N/A 70 The premium requested results in a face amount outside the allowable limits. ($5,000 - $500,000) Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31

Non-Tobacco $20.00 Semi-Monthly Premium $24.00 Semi-Monthly Premium $28.00 Semi-Monthly Premium at 16 78,187 33,828 93,822 40,592 109,461 47,358 16 17 75,484 32,506 90,577 39,006 105,673 45,507 17 18 72,960 31,268 87,548 37,520 102,141 43,775 18 19 70,392 30,017 84,471 36,020 98,545 42,022 19 20 67,999 28,842 81,597 34,610 95,195 40,378 20 21 65,583 27,662 78,699 33,194 91,815 38,727 21 22 63,169 26,486 75,799 31,782 88,432 37,079 22 23 60,844 25,351 73,015 30,422 85,182 35,491 23 24 58,688 24,290 70,426 29,148 82,161 34,005 24 25 56,544 23,237 67,854 27,885 79,162 32,532 25 26 54,369 22,176 65,241 26,610 76,114 31,045 26 27 52,183 21,116 62,617 25,338 73,052 29,560 27 28 50,165 20,129 60,197 24,154 70,228 28,179 28 29 48,104 19,129 57,724 22,955 67,343 26,780 29 30 46,162 18,180 55,392 21,816 64,623 25,451 30 31 44,328 17,279 53,193 20,734 62,057 24,189 31 32 42,521 16,391 51,026 19,670 59,529 22,948 32 33 40,684 15,498 48,820 18,597 56,955 21,696 33 34 38,935 14,645 46,722 17,574 54,507 20,502 34 35 37,273 13,831 44,726 16,596 52,179 19,362 35 36 35,560 13,004 42,672 15,604 49,783 18,205 36 37 33,951 12,223 40,741 14,667 47,530 17,111 37 38 32,394 11,468 38,872 13,761 45,350 16,054 38 39 30,912 10,747 37,095 12,896 43,277 15,046 39 40 29,470 10,048 35,364 12,057 41,257 14,066 40 41 28,090 9,377 33,708 11,252 39,326 13,128 41 42 26,774 8,736 32,129 10,484 37,483 12,231 42 43 25,522 8,125 30,626 9,750 35,730 11,375 43 44 24,307 7,534 29,168 9,041 34,029 10,547 44 45 23,192 6,983 27,830 8,379 32,468 9,776 45 46 21,991 6,415 26,389 7,698 30,787 8,981 46 47 20,845 5,874 25,014 7,049 29,183 8,224 47 48 19,578 5,311 23,494 6,373 27,409 7,435 48 49 18,351 4,771 22,021 5,726 25,691 6,680 49 50 17,219 4,271 20,663 5,125 24,106 5,979 50 51 16,142 3,797 19,370 4,556 22,598 5,316 51 52 15,125 3,352 18,149 4,022 21,174 4,693 52 53 14,170 2,935 17,003 3,522 19,837 4,109 53 54 13,272 2,545 15,927 3,054 18,581 3,563 54 55 12,434 2,182 14,920 2,618 17,407 3,054 55 56 13,477 2,131 16,173 2,558 18,868 2,984 56 57 12,703 1,775 15,244 2,130 17,784 2,485 57 58 11,972 1,438 14,366 1,726 16,760 2,013 58 59 11,274 1,117 13,529 1,340 15,784 1,564 59 60 10,609 812 12,731 975 14,852 1,137 60 61 9,970 523 11,964 627 13,958 732 61 62 9,363 250 11,236 300 13,108 350 62 63 8,792 0 10,550 0 12,309 0 63 64 8,257 0 9,908 0 11,559 0 64 65 7,749 9,299 10,848 65 66 7,245 8,694 10,143 66 67 6,772 8,126 9,480 67 68 6,324 7,588 8,853 68 69 5,900 7,080 8,260 69 70 5,501 6,601 7,701 70 Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31

Tobacco $20.00 Semi-Monthly Premium $24.00 Semi-Monthly Premium $28.00 Semi-Monthly Premium at 16 58,050 28,166 69,659 33,799 81,268 39,431 16 17 56,813 27,425 68,176 32,911 79,535 38,394 17 18 55,627 26,712 66,753 32,055 77,877 37,397 18 19 53,638 25,616 64,367 30,740 75,094 35,863 19 20 51,509 24,459 61,810 29,350 72,112 34,242 20 21 49,594 23,409 59,511 28,090 69,431 32,772 21 22 47,672 22,360 57,209 26,833 66,740 31,303 22 23 45,852 21,363 55,022 25,635 64,192 29,908 23 24 44,003 20,358 52,802 24,428 61,602 28,500 24 25 42,223 19,390 50,666 23,267 59,110 27,145 25 26 40,308 18,366 48,370 22,040 56,430 25,712 26 27 38,437 17,370 46,123 20,843 53,809 24,316 27 28 36,787 16,479 44,145 19,775 51,500 23,070 28 29 35,119 15,585 42,142 18,701 49,165 21,818 29 30 33,478 14,708 40,173 17,649 46,867 20,590 30 31 31,856 13,845 38,227 16,614 44,597 19,382 31 32 30,404 13,062 36,485 15,674 42,563 18,285 32 33 29,007 12,307 34,808 14,768 40,608 17,229 33 34 27,590 11,551 33,108 13,861 38,625 16,170 34 35 26,277 10,844 31,531 13,013 36,786 15,181 35 36 24,965 10,145 29,957 12,174 34,949 14,202 36 37 23,718 9,480 28,463 11,376 33,205 13,271 37 38 22,559 8,857 27,072 10,629 31,582 12,399 38 39 21,413 8,247 25,695 9,896 29,976 11,545 39 40 20,342 7,673 24,410 9,207 28,478 10,742 40 41 19,326 7,128 23,191 8,554 27,056 9,979 41 42 18,372 6,613 22,046 7,936 25,720 9,258 42 43 17,476 6,128 20,971 7,353 24,466 8,579 43 44 16,605 5,659 19,926 6,791 23,247 7,923 44 45 15,791 5,218 18,950 6,262 22,107 7,305 45 46 14,830 4,739 17,796 5,687 20,762 6,634 46 47 13,927 4,290 16,712 5,148 19,497 6,005 47 48 13,088 3,871 15,705 4,645 18,323 5,420 48 49 12,287 3,474 14,744 4,168 17,202 4,863 49 50 11,540 3,101 13,848 3,722 16,156 4,342 50 51 10,834 2,751 13,001 3,301 15,167 3,851 51 52 10,177 2,423 12,212 2,908 14,248 3,393 52 53 9,557 2,116 11,468 2,539 13,380 2,962 53 54 8,969 1,828 10,763 2,193 12,557 2,559 54 55 8,426 1,560 10,112 1,872 11,797 2,184 55 56 9,173 1,519 11,008 1,823 12,843 2,127 56 57 8,676 1,257 10,411 1,509 12,146 1,760 57 58 8,206 1,009 9,847 1,210 11,488 1,412 58 59 7,758 771 9,309 926 10,861 1,080 59 60 7,329 545 8,795 654 10,260 763 60 61 6,914 345 8,297 415 9,680 484 61 62 6,522 159 7,827 191 9,131 223 62 63 6,153 0 7,383 0 8,614 0 63 64 5,804 0 6,965 0 8,125 0 64 65 5,478 6,574 7,669 65 66 5,149 6,179 7,209 66 67 N/A 5,809 6,777 67 68 N/A 5,455 6,364 68 69 N/A 5,118 5,971 69 70 N/A N/A 5,598 70 The premium requested results in a face amount outside the allowable limits. ($5,000 - $500,000) Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31

Non-Tobacco $32.00 Semi-Monthly Premium $36.00 Semi-Monthly Premium $40.00 Semi-Monthly Premium at 16 125,098 54,124 140,732 60,888 156,369 67,653 16 17 120,768 52,008 135,864 58,508 150,958 65,009 17 18 116,730 50,027 131,322 56,281 145,909 62,532 18 19 112,622 48,024 126,698 54,027 140,775 60,029 19 20 108,795 46,146 122,394 51,915 135,990 57,682 20 21 104,930 44,258 118,046 49,791 131,160 55,322 21 22 101,065 42,376 113,696 47,672 126,328 52,968 22 23 97,350 40,561 109,517 45,630 121,683 50,699 23 24 93,897 38,862 105,633 43,719 117,370 48,577 24 25 90,471 37,180 101,778 41,827 113,085 46,473 25 26 86,986 35,480 97,858 39,914 108,730 44,349 26 27 83,488 33,783 93,922 38,006 104,357 42,228 27 28 80,259 32,204 90,291 36,229 100,323 40,255 28 29 76,963 30,605 86,582 34,430 96,202 38,256 29 30 73,855 29,087 83,086 32,723 92,316 36,358 30 31 70,922 27,645 79,786 31,100 88,651 34,555 31 32 68,032 26,226 76,535 29,503 85,039 32,782 32 33 65,092 24,796 73,228 27,895 81,364 30,995 33 34 62,294 23,431 70,080 26,360 77,866 29,289 34 35 59,633 22,127 67,087 24,893 74,540 27,659 35 36 56,895 20,805 64,007 23,406 71,118 26,006 36 37 54,320 19,556 61,110 22,000 67,899 24,444 37 38 51,828 18,348 58,305 20,641 64,783 22,934 38 39 49,459 17,195 55,640 19,344 61,821 21,493 39 40 47,151 16,076 53,044 18,085 58,937 20,094 40 41 44,943 15,003 50,561 16,878 56,179 18,754 41 42 42,838 13,978 48,193 15,725 53,546 17,472 42 43 40,834 13,000 45,937 14,624 51,041 16,249 43 44 38,890 12,054 43,751 13,561 48,611 15,067 44 45 37,105 11,172 41,743 12,568 46,381 13,965 45 46 35,185 10,264 39,582 11,547 43,980 12,830 46 47 33,352 9,399 37,520 10,573 41,689 11,748 47 48 31,325 8,497 35,240 9,559 39,156 10,621 48 49 29,361 7,634 33,031 8,588 36,701 9,543 49 50 27,549 6,833 30,993 7,687 34,436 8,541 50 51 25,826 6,075 29,054 6,834 32,283 7,594 51 52 24,199 5,363 27,224 6,034 30,248 6,704 52 53 22,671 4,697 25,504 5,283 28,338 5,871 53 54 21,235 4,072 23,889 4,581 26,544 5,090 54 55 19,893 3,490 22,380 3,927 24,866 4,363 55 56 21,563 3,410 24,258 3,836 26,953 4,262 56 57 20,325 2,840 22,865 3,195 25,406 3,550 57 58 19,154 2,301 21,548 2,588 23,942 2,876 58 59 18,038 1,787 20,293 2,011 22,548 2,234 59 60 16,974 1,299 19,096 1,462 21,217 1,624 60 61 15,952 837 17,945 941 19,939 1,046 61 62 14,981 400 16,853 450 18,726 501 62 63 14,067 0 15,825 0 17,584 0 63 64 13,211 0 14,862 0 16,513 0 64 65 12,398 13,948 15,497 65 66 11,592 13,040 14,489 66 67 10,835 12,189 13,543 67 68 10,118 11,383 12,647 68 69 9,440 10,620 11,800 69 70 8,801 9,901 11,001 70 Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31

Tobacco $32.00 Semi-Monthly Premium $36.00 Semi-Monthly Premium $40.00 Semi-Monthly Premium at 16 92,877 45,064 104,486 50,697 116,094 56,329 16 17 90,898 43,879 102,260 49,364 113,619 54,847 17 18 89,003 42,739 100,126 48,081 111,251 53,423 18 19 85,820 40,986 96,545 46,108 107,273 51,231 19 20 82,414 39,134 92,713 44,025 103,014 48,916 20 21 79,349 37,454 89,266 42,134 99,184 46,816 21 22 76,275 35,775 85,808 40,247 95,342 44,718 22 23 73,361 34,180 82,529 38,451 91,698 42,723 23 24 70,403 32,571 79,202 36,642 88,001 40,713 24 25 67,554 31,023 75,997 34,900 84,441 38,778 25 26 64,491 29,385 72,551 33,058 80,612 36,731 26 27 61,496 27,790 69,183 31,264 76,868 34,737 27 28 58,857 26,366 66,214 29,661 73,570 32,956 28 29 56,189 24,935 63,211 28,051 70,233 31,167 29 30 53,562 23,531 60,257 26,473 66,952 29,414 30 31 50,968 22,151 57,339 24,920 63,708 27,688 31 32 48,644 20,897 54,723 23,509 60,803 26,121 32 33 46,410 19,691 52,210 22,152 58,011 24,613 33 34 44,142 18,480 49,660 20,790 55,177 23,100 34 35 42,041 17,350 47,295 19,518 52,550 21,687 35 36 39,942 16,231 44,934 18,260 49,927 20,289 36 37 37,949 15,167 42,692 17,063 47,435 18,959 37 38 36,094 14,171 40,605 15,942 45,117 17,713 38 39 34,259 13,194 38,540 14,843 42,823 16,492 39 40 32,546 12,276 36,613 13,810 40,681 15,345 40 41 30,921 11,405 34,786 12,830 38,650 14,255 41 42 29,395 10,581 33,068 11,903 36,742 13,226 42 43 27,960 9,804 31,455 11,029 34,950 12,255 43 44 26,568 9,054 29,888 10,186 33,210 11,318 44 45 25,266 8,349 28,424 9,393 31,582 10,436 45 46 23,728 7,582 26,694 8,530 29,659 9,478 46 47 22,282 6,863 25,068 7,721 27,852 8,579 47 48 20,940 6,194 23,557 6,968 26,174 7,742 48 49 19,659 5,558 22,116 6,252 24,573 6,947 49 50 18,463 4,962 20,771 5,582 23,079 6,203 50 51 17,334 4,401 19,500 4,951 21,667 5,501 51 52 16,283 3,877 18,318 4,362 20,354 4,847 52 53 15,291 3,386 17,202 3,809 19,113 4,232 53 54 14,351 2,924 16,145 3,290 17,939 3,655 54 55 13,482 2,496 15,167 2,808 16,852 3,120 55 56 14,677 2,430 16,512 2,734 18,347 3,038 56 57 13,882 2,012 15,617 2,263 17,352 2,514 57 58 13,129 1,614 14,770 1,816 16,411 2,017 58 59 12,412 1,234 13,963 1,388 15,515 1,543 59 60 11,726 872 13,192 981 14,657 1,089 60 61 11,062 553 12,445 622 13,828 691 61 62 10,436 255 11,740 287 13,044 319 62 63 9,844 0 11,075 0 12,305 0 63 64 9,286 0 10,447 0 11,607 0 64 65 8,765 9,860 10,956 65 66 8,239 9,269 10,299 66 67 7,746 8,714 9,682 67 68 7,273 8,182 9,091 68 69 6,824 7,677 8,530 69 70 6,398 7,197 7,997 70 Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31