Date Name Title This presentation has been customized

Date: Name: Title: This presentation has been customized by the plan's financial advisor who is not affiliated with Transamerica disclaims the accuracy of plan specific information or any other information input into this presentation by such advisor.

FINANCIAL KNOWLEDGE AND DECISION-MAKING 3 OR FEWER CORRECT 4 OR MORE CORRECT U. S. Source: FINRA Investor Education Foundation, National Financial Capability Study, 2018 2

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• Build an emergency fund • Focus on short-term goals • Invest for larger expenses

EMERGENCY FUND • Liquid/available • Enough to cover 6 -12 months of expenses • Unemployment or unexpected costs (car or home repairs) • Cash on hand 66

SHORT-TERM GOALS CONSIDER OPENING A SEPARATE ACCOUNT FOR SHORT-TERM GOALS • Down payment on a house • New car • Home improvement projects • Vacations (Your retirement account is not a short-term savings source) 7

SAVING VS INVESTING SAVING MONEY IN THE BANK • Predictable • Typically FDIC insured • Inflation risk INVESTING IN THE STOCK MARKET • Unpredictable • Typically not insured by any governmental agency • Volatility risk 8

INVESTING FOR COLLEGE 529 college savings plans The Uniform Gifts/Transfers to Minors Act (UGMA/UTMA) Coverdell Education Savings Account (ESA) 9

® • Workplace retirement plans: • Track Your Retirement Outlook 401(k) or 403(b) • [Max the match] • [Use auto-increase] • Explore investment options in your plan: do-it-yourself or automated services • Consider consolidation [Matching contributions may be subject to plan vesting requirements. Descriptions of plan features and benefits are subject to the plan document, which will govern in case of any inconsistencies. ] [You should evaluate your ability to continue the auto-increase service in the event of a prolonged market decline, unexpected expenses, or an unforeseeable emergency. ] Review the fees and expenses you pay, including any charges associated with transferring your account, to see if consolidating your accounts could help reduce your costs. Be sure to consider whether such a transfer changes any features or benefits that may be important to you. See important disclosures at the end of this presentation. 10

• Alleviate stress • Spend confidently • Strengthen credit score 11

BUDGET BASICS ESSENTIAL VS. DISCRETIONARY EXPENSES Housing Electronics/accessories Transportation Entertainment Insurance Dining out Savings Travel Retirement plan Gifts 12

AUTOMATED BUDGETING TIPS Automatic transfers from checking to an emergency savings account Automatic transfers from checking to a second savings account Most loans have automatic payment options Tax-advantaged Your workplace retirement account automated contributions deducts contributions from your paycheck automatically 13

BUDGETING TOOLS • Mint • Pocket. Guard • You Need A Budget (YNAB) • Wally • Mvelopes • Label envelopes with specific expenses, like “Groceries” and “Transportation” • Fill each envelope with cash • Financial Wellness Center at transamerica. com/ portal/financial-wellness • Challenge yourself to use only that cash to last a month Transamerica is sponsoring financial education programs developed by EVERFI, a third party unaffiliated with Transamerica that is responsible for the content of the financial education program. Transamerica is not affiliated with, supported or endorsed by the producers of the applications referenced above. Source: “The 8 Best Budgeting Apps of 2019, ” The Balance, March 2019 14

VALUE YOUR MONEY Calculate how many hours you need to work to pay for non-essential expenses. Then ask yourself, 15

CREDIT WHAT IS IT? • Your purchasing power WHY DOES IT MATTER? • Impacts your ability to buy goods or services • Impacts your ability to get a loan • Employment and insurance decisions 17

YOUR CREDIT SCORE • FICO produces your score • Scores range from 300 to 850 • Big 3 reporting agencies: Equifax, Experian, Transunion • Get your report: Annual. Credit. Report. com 18

CALCULATING YOUR SCORE Source: my. FICO. com 19

THE FINANCIAL IMPACT OF A GOOD CREDIT SCORE Hypothetical example for illustrative purposes only. 20

IMPROVING YOUR CREDIT SCORE • Pay down debt • Initiate automatic payment plans • Be responsible with credit cards • Maintain an emergency fund • Protect your identity: Identity. Theft. gov has tips • Ask for professional help 21

TIPS FOR PAYING DOWN DEBT PAY Get rid of those high interest payments as soon as possible. PAY Build motivation by ticking off one debt at a time, starting with the lowest one to pay off. 22

AVOID THE DEBT CYCLE Debt More debt, since nothing is saved Putting all your energy + money into paying off debt without saving Unexpected expense 23

Source: “Student Loan Debt Statistics in 2020: A Record $1. 6 Trillion, ” Forbes, February 2020 24

BUILD A BUDGET KEEPING THESE ESSENTIALS IN MIND: Emergency fund • Pay off debt • Short-term goals • Long-term goals • AUTOMATE WHEREVER POSSIBLE Plus: Check your credit score from one of the three credit bureaus 25

Log in: [transamerica. com/portal/home] Financial Literacy and Education Commission: My. Money. gov Financial Wellness Center: [transamerica. com/portal/financialwellness] Security and Fraud Prevention Tips: Identity. Theft. gov General questions: [800 -755 -5801] Credit report: Annual. Credit. Report. com National Foundation for Credit Counseling: nfcc. org 26

CONTACT INFORMATION [ADVISOR NAME] Visit: [transamerica. com/portal/home] [ADVISOR email address] Call: [800 -401 -8726] [ADVISOR phone number] Placeholder for advisor image This material was prepared for general distribution. It is being provided for informational purposes only and should not be viewed as an investment recommendation. If you need advice regarding your particular investment needs, contact your financial professional. [Add Firm Disclosure Here] 27

DISCLOSURES About Probability Illustrations, Limitations, and Key Assumptions The probability illustrations generated from the engine are based on “Monte Carlo” simulations of 500 possible investment scenarios for a given time period and assume a range of possible returns. The illustrations are generated according to models developed by Morningstar Investment Management LLC, a leading independent provider of asset allocation, manager selection, and portfolio construction. The Your Retirement Outlook® graphic reflects the difference between the model’s estimated annual income (which corresponds to a 70% probability level of income in the investment scenarios simulated) and your annual income goal. When forecasting the probability of achieving your income goal, the model employs different returns for different asset classes, based on Morningstar Investment Management’s capital market assumptions developed using historical and forward-looking data. Forecasts of expected return, expected standard deviation and correlation among asset classes based on Morningstar Investment Management LLC's proprietary equity, fixed income, currency and risk models. Current assets are assigned to asset classes based on Morningstar Categories, and fees and charges inherent in investing are incorporated with an average fee assumption for each asset class. The benchmarks used for modeling the various asset classes are below. Return assumptions are updated annually; these updates may have a material impact on your projections. Return assumptions are estimates not guarantees. The returns you experience may be materially different than projections. You cannot invest directly in an index. 28

DISCLOSURES About Probability Illustrations, Limitations, and Key Assumptions (continued) Lower Risk/ Volatility Higher Risk/ Volatility Asset Class Cash Alternatives Short Term Bonds Aggregate Bonds Foreign Bonds Direct Real Estate High Yield Bonds TIPS Long Term Bonds Large Cap Value Equity Large Cap Equity Mid Cap Value Equity Mid Cap Equity International Equity Commodities Mid / Small Cap Value Equity Large Cap Growth Equity Mid / Small Cap Equity Small Cap Value Equity Small Cap Equity Mid Cap Growth Equity Mid / Small Cap Growth Equity REITs Small Cap Growth Equity Emerging Markets Equity Benchmark Bof. A ML US Treasury Bill 3 Month USD Bar. Cap US Govt/Credit 1 -3 Yr TR USD Barclays Capital US Agg Bond TR Barclays Global Aggregate Ex USD TR NCREIF Transaction Based Index Barclays Capital US Corporate High Yield TR Barclays Capital Global Inflation Linked US TIPS TR Barclays Capital US Govt/Credit Long TR Russell 1000 Value TR Russell 1000 TR Russell Mid Cap Value TR Russell Mid Cap TR MSCI EAFE GR Bloomberg Commodity TR Russell 2500 Value TR Russell 1000 Growth TR Russell 2500 TR Russell 2000 Value TR Russell 2000 TR Russell Mid Cap Growth TR Russell 2500 Growth TR FTSE NAREIT Equity REITs TR Russell 2000 Growth TR MSCI EM GR 29

DISCLOSURES Unless you choose otherwise or your employer supplies different information, the probability illustrations assume retirement at the age at which you qualify for full Social Security benefits and an annual retirement income goal of 80% of your projected final working salary. Social Security estimates are based on the Social Security Administration methodology and your current salary. The probability illustrations also assume a consistent contribution percentage and asset allocation (no future changes or rebalancing unless you are subscribed to a managed account or a target date asset allocation service), annual inflation of approximately 2%, and annual salary increases based on a calculation that incorporates multiple factors including a salary growth curve and inflation. Mortality assumptions are based on the Society of Actuaries tables. The engine utilizes models, algorithms and/or calculations (“Models”). The Models are subject to a number of limitations. Returns associated with market extremes may occur more frequently than assumed in the Models. Some asset classes have relatively limited histories; for these classes the Models use historical data for shorter time periods. The Model does not consider other asset classes such as hedge funds or private equity, which may have characteristics similar or superior to those used in the Model. Capital market assumptions are forecasts which involve known and unknown risks, uncertainties, and other factors which may cause the actual results to differ materially and/or substantially from any future results, performance, or achievements expressed or implied by those projections for any reason. Additionally, Models have inherent risks. Models may incorrectly forecast future behavior or produce unexpected results resulting in losses. The success of using Models depends on numerous factors, including the validity, accuracy and completeness of the Model’s development, implementation and maintenance, the Model’s assumptions, factors, algorithms and methodologies, and the accuracy and reliability of the supplied historical or other data. If incorrect data is entered into even a well-founded Model, the resulting information will be incorrect. Investments selected with the use of Models may perform differently than expected as a result of the design of the Model, inputs into the Model, or other factors. There is no guarantee that your income goal will be achieved or that the aggregate accumulated amount will ensure a specified annual retirement income. Results may vary with each use and over time. IMPORTANT: The projections or other information generated by the engine regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Moreover, even though the tool’s estimates are statistically sound based upon the simulations it runs, the tool cannot foresee or account for every possible scenario that may negatively impact your financial situation. Thus you should monitor your account regularly and base your investment decisions on your time horizon, risk tolerance, and personal financial situation, as well as on the information in the 30 prospectuses for investments you consider.

DISCLOSURES Transamerica has licensed the Morningstar® Wealth Forecasting Engine. SM from Morningstar, Inc. , which is used by Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc, in the services it provides to participants. Morningstar and Morningstar Investment Management are not affiliated with Transamerica. The Morningstar name and logo are registered marks of Morningstar, Inc. Securities offered by Transamerica Investors Securities Corporation (TISC), member FINRA, 440 Mamaroneck Avenue, Harrison, NY 10528. All Transamerica companies identified are affiliated, but are not affiliated with your employer. This material was prepared for general distribution. It is being provided for informational purposes only and should not be viewed as an investment recommendation. If you need advice regarding your particular investment needs, contact your financial professional. Registered funds are available by prospectus only. 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. For more information on any registered fund, please call Transamerica Retirement Solutions at 800 -755 -5801 for a free summary prospectus (if available) and/or prospectus. All investments involve risk, including loss of principal, and there is no guarantee of profits. 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. 258282 © 2020 Transamerica Retirement Solutions, LLC Expiration Date 7/31/2021 07/20 31