Transamerica Partners Stock Index Ret Opt

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´╗┐Release Date: 06-30-2021

Transamerica Partners Stock Index Ret Opt

..........................................................................................................................................................................................................................................................................................................................................

Transamerica Asset Classification

Benchmark

Overall Morningstar RatingTM

Morningstar Return

Morningstar Risk

Large-Cap Stocks Large-Cap Blend Stocks

Russell 1000 TR USD

QQQQ

Average

Average

Rated against 1257 Large Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted

return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.

Investment Information

The Transamerica Partners Stock Index Ret Opt, a TLIC Separate Account, invests exclusively in the Transamerica Partners Stock Index - Collective Trust Fund. Fund (Investor Class Shares), a mutual fund (Fund). Prior to 05-14-10, this Separate Account invested exclusively in the Transamerica Partners Stock Index Fund (Investor Class Shares), a mutual fund (Fund).

Investment Objective & Strategy

This is an index fund that seeks to match the performance of the S&P 500? Index by investing in stocks that make up the index. The S&P 500? Index, considered a large-capitalization benchmark, is comprised of a sample of leading US companies in leading industries, and accounts for more than 75% of the market value of all publicly traded stocks in the US. Investing in large-capitalization stocks is the most efficient way to participate in earnings from large US companies. These stocks have the potential for more stable earnings than that of small- or mid-capitalization stocks, and their prices tend to be less volatile. This fund is intended for long-term investors seeking to capture the earnings and growth potential of large US companies.

Operations

Redemption Fee/Term .

Expense Ratio

Type 1*: 0.58% of fund assets

Underlying Incept Date 08-31-73 Underlying Initial Share .

Class Incept Date

Separate Account Incept 09-16-02

Closed to New Investors .

Trading Restrictions

.

................................................................................................

*See Disclosure Page under "Charges, Fees and Expenses" for

more details.

Portfolio Manager(s)

Management Team. Since 1973.

................................................................................................

Advisor

BlackRock Institutional Trust

Subadvisor

Company NA .

Hypothetical Growth of $10,000 start date 12-31-10

06-30-21

.In...v.e..s..t..m...e..n..t..C...h..o..i.c..e............................................................$..4...0..,.1..8..6.

Benchmark

$42,650

Notes

The Transamerica Partners Stock Index Ret Opt invested in the Investor Class Shares of the underlying mutual fund prior to 05-14-10 but currently invests in the Transamerica Partners Stock Index - Collective Trust Fund. As of this date, the Separate Account charges changed. The Separate Account Maintenance (SAM) and Administrative (Admin) Charges were 0.58%. No adjustments have been made to performance prior to 05-14-10 to reflect the difference between the charges and expenses for the Separate Account invested in the mutual fund from the charges for the Separate Account invested in the collective trust fund.

Performance

Investment Choice Annual Returns as of year-end

Total Ret %

Bmark %

2014

13.29

13.24

2015

0.90

0.92

2016

11.31

12.05

2017

21.24

21.69

2018

-4.90

-4.78

2019

30.79

31.43

2020

17.80

20.96

Fund Rank %

24 28 40 43 37 39 44

Trailing Returns as of 06-30-21

Total Ret %

YTD 3 Mo 1 Yr 3Yr Avg 5Yr Avg 10Yr Avg Since Incep

14.95 8.41 40.05 18.06 17.03 14.28

.

Bmark %

14.95 8.54 43.07 19.16 17.99 14.90

.

Fund Rank %

54 35 61 40 42 33 .

Morningstar Proprietary Statistics

Morningstar RatingTM Fund Rank Percentile Out of # of Investments

1-Year

.

61

1,386

3-Year

QQQ

40

1,257

5-Year

QQQ

42

1,099

10-Year

QQQQ

33

820

Performance Disclosure: The performance data quoted represents past performance and does not guarantee future results. The investment return and principal value will fluctuate. Upon redemption, units may be worth more or less than their original cost. Current performance may be lower or higher than return data quoted herein. Go to TA- to obtain performance current to the most recent month-end. See performance section of the disclosure page for more important information.

Investment choices are available from Transamerica Life Insurance Company (TLIC or Transamerica) under contract form # TGP-439-194, TGP-416-192/194, TGP-430-192/194, CNT-TALIAC 05-02, or CNT-TLIC 10-05, group variable annuity contracts underwritten by TLIC. TLIC is not authorized in New York and does not do business in New York. Contract Form and number may vary, and the Investment Choices may not be available in all jurisdictions. Contract fees and charges may apply. For complete information, contact your Transamerica representative.

NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE.

Underlying Portfolio Analysis

Composition as of 06-30-21

U.S. Stocks Non U.S. Stocks Bonds Cash Other

% Assets

98.9 1.0 0.0 0.1 0.0

Morningstar Style BoxTM as of 06-30-21

% Mkt Cap

Large Mid Small

.G..i.a..n..t.......................................5..1.....3..7.

Large

33.86

Medium

14.70

.S..m...a..l.l........................................0.....0..7.

Value Blend Growth

Micro

0.00

Morningstar Sectors as of 06-30-21

% Fund

.h.......C...y.c..l.i.c..a..l...........................................................................3..1....0..7.

r Basic Materials

2.27

t Consumer Cyclical

12.00

y Financial Services

14.22

u Real Estate

2.58

.j.......S...e..n..s..it..i.v.e..........................................................................4..7....0..7.

i Communication Services

11.14

o Energy

2.85

p Industrials

8.86

a Technology

24.22

.k.......D...e..f.e..n..s..i.v..e........................................................................2..1....8..6.

s Consumer Defensive

6.32

d Healthcare

13.09

f Utilities

2.45

Top 10 Holdings as of 06-30-21

% Assets

Apple Inc

5.88

Microsoft Corp

5.59

Inc

4.04

Facebook Inc A

2.28

A...l.p..h..a..b..e..t...I.n..c...A..........................................................................2....0..1.

Alphabet Inc Class C

1.95

Berkshire Hathaway Inc Class B

1.44

Tesla Inc

1.43

NVIDIA Corp

1.37

JPMorgan Chase & Co

1.29

.......................................................................................................

Total Number of Stock Holdings

505

Total Number of Bond Holdings

0

Annual Turnover Ratio %

9.09

Equity Statistics as of 06-30-21

P/E Ratio P/B Ratio GeoAvgCap ($mil)

Port Avg

21.89 4.03

197,216.90

Risk Measures as of 06-30-21 Std Dev Beta Sharpe Ratio Alpha R-squared

3-Year

18.52 0.97 0.92 -0.47 99.79

5-Year

14.98 0.97 1.05 -0.42 99.77

10-Year

13.58 0.97 1.01 -0.23 99.73

538

?2021 Morningstar, Inc., Morningstar Investment ProfilesTM 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to

Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar

nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future

performance. Visit our investment website at .

?

Release Date: 06-30-2021

Principal Risks Underlying Fund Risk 1, Equity Investment Risk, Securities L..e..n..d...in..g....R..i.s..k...1..,..D..e..r..iv..a..t..iv..e..s...R...i.s.k...1................................................. For more information please see the Principal Risks section of the Disclosure Page.

538

?2021 Morningstar, Inc., Morningstar Investment ProfilesTM 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to

Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar

nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future

performance. Visit our investment website at .

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Disclosure

Page 1 of 16

The investment fact sheets must be accompanied by this disclosure statement. The performance data given represents past performance and should not be considered indicative of future results. An investment in these investment choices, other than the Transamerica Stable Value investment choice(s), is subject to market risk. Principal value and investment return will fluctuate, so that an investor's shares, when redeemed, may be worth more or less than the original investment. Current performance may be lower or higher than the performance data quoted herein. Separate account investment choice statistics change over time. The investment choice is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution.

The separate account investment choices offered are exempt from registration with the SEC; therefore, no prospectuses are filed for them. However, certain of the separate account investment choices, other than the Stable Value investment choices, invest in mutual funds which are subject to SEC registration.

Translations of any materials or text into languages other than English are intended solely as a convenience to the nonEnglish language speakers and are not legally binding. Such materials and their translation help to facilitate the administration and operation of the plan and are not intended as an investment solicitation or an investment recommendation. We have attempted to provide an accurate translation of the original material in English, but due to the nuances in translating to a foreign language, slight differences may exist. Assistance may be available to nonEnglish language speakers in order to help understand the retirement plan materials and any applicable related investment disclosure materials (which may be available only in the English language) for the investment options under the plan. Such assistance may be accessed through your employer or by calling our Customer Contact Center and asking to speak with a Spanish-speaking representative. You should carefully review the content of any prospectus applicable to an investment before you invest.

Prospectuses and summary prospectus, if applicable, for these mutual funds can be ordered directly from the fund company or obtained upon request from Transamerica Retirement Solutions at TA-. Investors should consider the investment objectives, risks, and charges and expenses of the fund carefully before investing. The prospectus and summary prospectus, if applicable, for each fund contains this and other important information about that fund. Read each prospectus carefully before investing. Additional information on all the investment choices is available on the investment fact sheets.

Performance Unless otherwise noted, all data is shown as of the release date of these investment fact sheets. Performance shown is average annual total separate account investment choice returns (except 3 months and year-to-date) for the period indicated, net of the total operating expenses of the separate account and underlying investment (if applicable) as listed on the individual investment fact sheets. Performance returns reflect reinvestment of dividends and capital gains distributions. Performance does not reflect application of the contract asset charges and any discontinuance charges or service fees deducted from an account: such charges and

fees would reduce a participant's return.

For separate account investment choices invested in mutual fund shares, except as otherwise indicated, historical performance prior to the separate account investment choice inception date is calculated utilizing past performance for the underlying mutual fund.

Performance shown since inception is from the inception date of the separate account or underlying investment as described on the individual investment fact sheets. See individual investment fact sheet for the date of inception.

While performance prior to the inception of the separate account is intended to provide insight into how the strategy has performed historically, it is important to remember this is not the actual performance of the separate account and future performance of the separate account may differ. No representation is made that the separate account's performance would have been the same as the preinception performance had the separate account been in existence during such time and the related performance of the Underlying Fund has certain limitations which should be considered. For example, it does not reflect the current investment strategy or the actual trading of the separate account and due to a number of factors including, but not limited to asset flows or market disruptions, may result in differences in performance between the separate account and the Underlying Fund. Moreover, there is no guarantee that the investment strategy of the separate account and related accounts will be the same going forward.

The benchmarks are unmanaged indices and have no fees or expense charges. One cannot invest directly in an index.

Fund Ranking: This is the total return percentile rank within each Morningstar Category. The highest (or most favorable) percentile rank is 1 and the lowest (or least favorable) percentile rank is 100. Historical percentile ranks are based on a snapshot of the funds as they were at the time of the calculation. Percentile ranks within categories are most useful in those groups that have a large number of funds. For small universes, funds will be ranked at the highest percentage possible. For instance, if there are only two utility funds with 10-year average total returns, Morningstar will assign a percentile rank of 1 to the top-performing fund, and the second fund will earn a percentile rank of 51 (indicating the fund underperformed 50% of the sample).

Hypothetical Growth: The value of a hypothetical $10,000 investment over the past 10 years (or since inception for investment choices lacking 10-year history). Data assumes reinvestment of dividends and capital gains. Results reflect past performance and do not guarantee future results.

Adjusted Historical Returns and Extended Performance Rating: Morningstar provides adjusted historical returns and an extended performance rating for some mutual funds in its universe. This means that any share class that doesn't have a 10-year performance history may show adjusted returns and receive a hypothetical Morningstar Rating based on the oldest surviving share class of the fund. Morningstar will adjust the performance history of the original portfolio to

reflect any differences in fees between the original share class and the new share class. Because share classes are based on the same underlying portfolio of securities, the only differences in performance can be attributable to fees. First, Morningstar computes the funds' new return stream by appending an adjusted return history of the oldest share class. Next, the Extended Performance Rating is determined by comparing the adjusted-historical returns to the current open-end mutual fund universe to identify placement in the bell curve used to assign the Morningstar Rating.

Morningstar RatingTM The Morningstar RatingTM for funds, or "star rating", is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchangetraded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The Morningstar Rating does not include any adjustment for sales loads. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods.

For private funds, the Morningstar Rating presented is hypothetical, because Morningstar does not independently analyze private funds. Rather, the rating is assigned as a means to compare these funds with the universe of mutual funds that Morningstar rates. The evaluation of this investment does not affect the retail mutual fund data published by Morningstar.

Morningstar Return The Morningstar Return rates a fund's performance relative to other managed products in its Morningstar Category. It is an assessment of a product's excess return over a risk-free rate (the return of the 90-day Treasury Bill) in comparison with the products in its Morningstar category. In each Morningstar category, the top 10% of products earn a High Morningstar Return (High), the next 22.5% Above Average (+Avg), the middle 35% Average (Avg), the next 22.5% Below Average (Avg), and the bottom 10% Low (Low). Morningstar Return is measured for up to three time periods (three, five, and 10 years). These separate measures are then weighted and averaged to produce an overall measure for the product. Products with less than three years of performance history are not rated.

?2021 Morningstar, Inc., Morningstar Investment ProfilesTM 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at .

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Disclosure

Page 2 of 16

Morningstar Risk Morningstar Risk evaluates a fund's downside volatility relative to that of other products in its Morningstar Category. It is an assessment of the variations in monthly returns, with an emphasis on downside variations, in comparison with the products in its Morningstar category. In each Morningstar category, the 10% of products with the lowest measured risk are described as Low Risk (Low), the next 22.5% Below Average (-Avg), the middle 35% Average (Avg), the next 22.5% Above Average (+Avg), and the top 10% High (High). Morningstar Risk is measured for up to three time periods (three, five, and 10 years). These separate measures are then weighted and averaged to produce an overall measure for the product. Products with less than three years of performance history are not rated.

Asset Classes The investment choices have been assigned to various asset classes by Transamerica Retirement Solutions. They may not be representative of that particular asset class in the future. The asset classes are described under "Principal Risk Definitions".

Risk Measures R-squared reflects the percentage of an investment choice's movements that are explained by movements in its benchmark index, showing the degree of correlation between the investment choice and the benchmark.

Beta is a measure of an investment choice's sensitivity to market movements. A portfolio with a beta greater than 1 is more volatile than the market, and a portfolio with a beta less than 1 is less volatile than the market.

Alpha measures the difference between an investment choice's actual returns and its expected performance, given its level of risk (as measured by beta). Alpha is often considered to represent the value that a portfolio manager adds by actively managing the portfolio.

Sharpe ratio is the average return, less the risk free return, divided by the standard deviation of return. The ratio measures the relationship of reward to risk in an investment strategy. The higher the ratio, the safer the strategy.

Standard deviation is a statistical measure of the degree to which an individual value in a probability distribution tends to vary from the mean of the distribution. It is widely applied in modern portfolio theory, for example, where the past performance of securities is used to determine the range of possible future performances and a probability is attached to each performance. The standard deviation of performance can then be calculated for each security and for the portfolio as a whole. The greater the degree of dispersion, the greater the risk. Standard deviation, therefore, is a statistical measure of the volatility of the investment choice's returns.

Morningstar Style BoxTM The Morningstar Style Box reveals an investment choice's investment strategy as of the date noted on this report.

For equity funds the vertical axis shows the market

capitalization of the long stocks owned and the horizontal axis shows investment style (value, blend, or growth).

For fixed-income funds, the vertical axis shows the credit quality of the long bonds owned and the horizontal axis shows interest rate sensitivity as measured by a bond's effective duration.

Morningstar seeks credit rating information from fund companies on a periodic basis (e.g., quarterly). In compiling credit rating information Morningstar accepts credit ratings reported by fund companies that have been issued by all Nationally Recognized Statistical Rating Organizations (NRSROs). For a list of all NRSROs, please visit http:// divisions/marketreg/ratingagency.htm. Additionally, Morningstar accepts foreign credit ratings from widely recognized or registered rating agencies. If two rating organizations/agencies have rated a security, fund companies are to report the lower rating; if three or more organizations/ agencies have rated a security, fund companies are to report the median rating, and in cases where there are more than two organization/agency ratings and a median rating does not exist, fund companies are to use the lower of the two middle ratings. PLEASE NOTE: Morningstar, Inc. is not itself an NRSRO nor does it issue a credit rating on the fund. An NRSRO or rating agency ratings can change from timeto-time.

For credit quality, Morningstar combines the credit rating information provided by the fund companies with an average default rate calculation to come up with a weighted-average credit quality. The weighted-average credit quality is currently a letter that roughly corresponds to the scale used by a leading NRSRO. Bond funds are assigned a style box placement of "low", "medium", or "high" based on their average credit quality. Funds with a low credit quality are those whose weighted-average credit quality is determined to be less than "BBB-"; medium are those less than "AA-", but greater or equal to "BBB-"; and high are those with a weighted-average credit quality of "AA-" or higher. When classifying a bond portfolio, Morningstar first maps the NRSRO credit ratings of the underlying holdings to their respective default rates (as determined by Morningstar's analysis of actual historical default rates). Morningstar then averages these default rates to determine the average default rate for the entire bond fund. Finally, Morningstar maps this average default rate to its corresponding credit rating along a convex curve.

For interest-rate sensitivity, Morningstar obtains from fund companies the average effective duration. Generally, Morningstar classifies a fixed-income fund's interest-rate sensitivity based on the effective duration of the Morningstar Core Bond Index (MCBI), which is currently three years. The classification of Limited will be assigned to those funds whose average effective duration is between 25% to 75% of MCBI's average effective duration; funds whose average effective duration is between 75% to 125% of the MCBI will be classified as Moderate; and those that are at 125% or greater of the average effective duration of the MCBI will be classified as Extensive.

For municipal bond funds, Morningstar also obtains from fund companies the average effective duration. In these cases

static breakpoints are utilized. These breakpoints are as follows: (i) Limited: 4.5 years or less; (ii) Moderate: more than 4.5 years but less than 7 years; and (iii) Extensive: more than 7 years. In addition, for non-US taxable and non-US domiciled fixed income funds static duration breakpoints are used: (i) Limited: less than or equal to 3.5 years; (ii) Moderate: greater than 3.5 and less than equal to 6 years; (iii) Extensive: greater than 6 years.

Charges, Fees and Expenses Deposits made by plan participants are not subject to any front-end loads/sales fees of the underlying mutual fund. Therefore, such fees are not reflected in the performance reported.

Type 1: The expense ratio quoted reflects the maximum total operating expenses, of the investment choice, which include the Separate Account Maintenance and Investment Account Class I Administrative Charges assessed by Transamerica, if applicable. The actual expense ratio experienced may be less than the expense ratio quoted. There may also be charges to your balance in the separate accounts for contract asset charges, discontinuance charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 2: The expense ratio quoted reflects the total operating expenses, of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges, discontinuance charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 3: The expense ratio quoted reflects the maximum total operating expenses, of the investment choice which include the underlying TLIC Separate Account Maintenance and Investment Account Class VIII Administrative Charges assessed by Transamerica, if applicable. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 4: The expense ratio quoted reflects the total operating expenses, of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 5: The expense ratio quoted reflects the maximum total operating expenses, of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class VII Administrative Charge assessed by Transamerica and the total operating expenses of the underlying investment, net of any fee waivers.

Type 6: The expense ratio quoted reflects the maximum total operating expenses, of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class VII Administrative Charge assessed by Transamerica.

Type 7: The expense ratio quoted reflects the maximum total

?2021 Morningstar, Inc., Morningstar Investment ProfilesTM 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at .

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Disclosure

Page 3 of 16

operating expenses, of the investment choice, which include the Separate Account Maintenance and Administrative Charges assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges, discontinuance charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 8: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class VIII Administrative Charges assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 9: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class XX Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers.

Type 10: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which consist of the underlying TLIC Separate Account Maintenance and Investment Account Class XX Administrative Charges assessed by Transamerica.

Type 11: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which consist of the underlying TLIC Separate Account Maintenance and Investment Account Class IX Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers.

Type 12: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which consist of the underlying TLIC Separate Account Maintenance and Investment Account Class IX Administrative Charges assessed by Transamerica.

Type 13: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class X Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 14: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class XI Administrative Charge,

assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 15: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class XII Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 16: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class XIII Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 17: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class XIV Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 18: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class XV Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 19: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class 201 Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 20: The expense ratio quoted reflects the maximum

total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class 201 Administrative Charge, assessed by Transamerica. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 21: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class 202 Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 22: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class 202 Administrative Charge, assessed by Transamerica. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 23: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class 301 Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 24: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class 301 Administrative Charge, assessed by Transamerica. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 25: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class 302 Administrative Charge, assessed by Transamerica (if applicable), and the total operating expenses of the underlying investment, net of any fee waivers. There may also be charges to your balance in the separate accounts for contract asset charges or service fees, as applicable under your contract, which are not reflected on these fact sheets.

Type 26: The expense ratio quoted reflects the maximum total operating expenses of the investment choice, which include the underlying TLIC Separate Account Maintenance and Investment Account Class 302 Administrative Charge,

?2021 Morningstar, Inc., Morningstar Investment ProfilesTM 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at .

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