Diversified Direct

Mutual Funds, Variable Annuities and other Investment Vehicles
If your retirement account invests in mutual funds or registered variable annuities, the account information must be accompanied or preceded by a current prospectus. The prospectus contains additional information about the funds or subaccounts, including the investment objectives, risks, charges, and other expenses. You should consider all such information carefully before investing. Please read it carefully before you make your investment choices. By logging into the secure data access area, you acknowledge that you have received and read the prospectus.

If your retirement account invests in non-registered investment vehicles (such as the Transamerica Investment Advisors Collective Trust or insurance company pooled separate accounts designed for pension investments), a prospectus is not applicable with respect to the investment options under such investment vehicles. Since the investment options available under a collective trust or insurance company separate account are exempt from SEC registration, a prospectus is not available with respect to such investment options. However, additional information about such investment options is available in your plan materials.

Transamerica Investors Securities Corp. (DISC), 440 Mamaroneck Avenue, Harrison, NY 10528, distributes securities products. Any registered fund offered under the retirement 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 DISC. If the Transamerica Funds, Transamerica Partners Funds, or Transamerica Premium Funds (collectively the Transamerica Funds) are offered under the plan, the Transamercia Funds are distributed by Transamercia Capital, Inc. (TCI) and are advised by Transamercia Asset Management, Inc (TAM). If Fixed, Guaranteed or Stable Fund is offered under the plan by Transamerica, such option is made available under a group annuity contract issued by Transamerica Financial Life Insurance Company (TFLIC), 440 Mamaroneck Avenue, Harrison, NY 10528. Variable annuities and other insurance company separate account options, if any, are also made available under a group annuity contract issued by TFLIC. The trustee of the Transamerica Investment Advisors Collective Trust is Massachusetts Fidelity Trust Company (MFTC), an Iowa trust company. Transamerica, TAM, TCI, TFLIC, MFTC, and DISC are affiliated companies. Please be aware that some of the products, investment vehicles or options, and services mentioned or described on this site may not be available or appropriate in all workplace savings plans.

General
The account information may include information on unit or share values and fund performance. Please keep in mind that unit and share values for equity and bond funds or subaccounts reflect current market activity and may rise or fall. As a result, the value of the account(s) may increase or decrease from day to day. The performance data quoted represents past performance. Past performance is not a guarantee of future results. The investment return and principal value of an investment in a fund, other than a Guaranteed, Stable or Fixed Interest Fund, will fluctuate so that an investor's units or shares, when redeemed, may be worth more or less than their original cost. There is no assurance that a fund or subaccount will achieve its investment objective. The principal value of an investment in a Guaranteed, Stable or Fixed Interest Fund will not fluctuate; however, such fund's guarantee of principal and/or interest is based on the claims paying ability of the issuing company. An investment in a money market fund or subaccount is not guaranteed by the FDIC or any other government agency. There can be no assurance that a money market fund or subaccount will be able to maintain a stable net asset value. Employer stock, if offered under the plan, is not diversified and a plan participant should consider the risk of concentrating his or her retirement funds in employer stock.