BlackRock Global Allocation Ret Opt

Release Date: 12-31-2023

BlackRock

Global Allocation Ret Opt

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

Transamerica Asset Classification

Multi-Asset/Other

Balanced

Benchmark

Overall Morningstar Rating?

Morningstar Gbl Allocation TR USD

Investment Information

Morningstar Risk

Below Average

Performance

Investment Objective & Strategy

The investment seeks to provide high total investment return.

The fund invests in a portfolio of equity, debt and money

market securities. Generally, the fund's portfolio will include

both equity and debt securities. It may invest up to 35% of

its total assets in "junk bonds," corporate loans and

distressed securities. The fund may also invest in Real Estate

Investment Trusts ("REITs") and securities related to real

assets (like real estate- or precious metals-related

securities) such as stock, bonds or convertible bonds issued

by REITs or companies that mine precious metals.

Operations

.

Redemption Fee/Term

Expense Ratio

Type 7*: 1.34% of fund assets

Underlying Incept Date

02-03-89

.

Underlying Initial Share

Class Incept Date

Separate Account Incept 09-26-08

Closed to New Investors .

.

Trading Restrictions

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

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

more details.

Investment Choice Annual Returns as of year-end

Trailing Returns as of 12-31-23

Total Ret %

Bmark %

Fund Rank %

3.58

13.04

-7.83

16.96

20.52

6.20

-16.25

7.00

17.12

-5.56

18.53

13.55

9.31

-17.10

77

71

53

47

4

85

66

2016

2017

2018

2019

2020

2021

2022

Total Ret %

Bmark %

Fund Rank %

12.06

9.80

12.06

-0.11

7.04

4.30

.

15.46

9.74

15.46

1.52

7.08

5.41

.

40

15

40

83

31

45

.

YTD

3 Mo

1 Yr

3Yr Avg

5Yr Avg

10Yr Avg

Since Incep

Morningstar Proprietary Statistics

Morningstar Rating?

Fund Rank Percentile

Out of # of Investments

1-Year

3-Year

5-Year

10-Year

.

40

391

QQ

QQQQ

QQQ

83

378

31

354

45

254

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, shares 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

Portfolio Manager(s)

Composition as of 11-30-23

Russ Koesterich. Since 2017.

David Clayton. Since 2017.

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

Advisor

BlackRock Advisors LLC

Subadvisor

BlackRock (Singapore) Limited

U.S. Stocks

Non U.S. Stocks

Bonds

Cash

Other

% Assets

39.7

22.3

29.0

5.0

4.0

Benchmark

$19,166

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

Morningstar Style Box? as of 11-30-23(EQ) ; 11-30-23(F-I)

Large Mid

$17,407

Notes

Principal Risks

Lending, Emerging Markets, Foreign Securities, Loss of

Money, Not FDIC Insured, Country or Region, Growth

Investing, High Portfolio Turnover, Index Correlation/Tracking

Error, Market/Market Volatility, Commodity, Convertible

Securities, Distressed Investments, Equity Securities, HighYield Securities, Mortgage-Backed and Asset-Backed

Securities, Preferred Stocks, Underlying Fund/Fund of Funds,

Warrants, Derivatives, Leverage, Fixed-Income Securities,

Sovereign Debt, Management, Structured Products, Small

Cap, Mid-Cap, Real Estate/REIT Sector

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

For more information please see the Principal Risks section of

the Disclosure Page.

Not

Available

3.19

2.00

1.72

1.62

1.47

Mastercard Inc Class A

Nestle SA

Marsh & McLennan Companies Inc

NVIDIA Corp

ASML Holding NV

0.87

0.83

0.82

0.81

0.79

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

Small

The BlackRock Global Allocation Ret Opt historical

performance prior to the Separate Account inception is

calculated utilizing actual past performance for the underlying

mutual fund and adjusted for Separate Account Maintenance

(SAM) and Administrative (Admin) Charges, which were

0.50% at the time of this Separate Account inception.

% Assets

Top 10 Holdings as of 11-30-23

Microsoft Corp

Apple Inc

Alphabet Inc Class C

Inc

Spain (Kingdom of) 2.55% 10-31-32

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

12-31-23

Investment Choice

1489

Average

Rated against 378 Global Allocation 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.

The BlackRock Global Allocation Ret Opt, a TLIC Separate

Account, invests exclusively in the BlackRock Global

Allocation Fund (Class I Shares), a mutual fund (Fund).

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

Morningstar Return

QQQ

Value Blend Growth

Morningstar Sectors as of 11-30-23

% Fund

h Cyclical

30.20

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

r Basic Materials

3.60

t Consumer Cyclical

11.62

y Financial Services

13.31

u Real Estate

1.67

j Sensitive

47.50

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

i Communication Services

6.14

o Energy

5.58

p Industrials

11.87

a Technology

23.91

k Defensive

22.30

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

s Consumer Defensive

6.75

d Healthcare

13.55

f Utilities

2.00

Total Number of Stock Holdings

Total Number of Bond Holdings

Annual Turnover Ratio %

729

1018

174.00

Equity Statistics as of 11-30-23

Port Avg

P/E Ratio

P/B Ratio

GeoAvgCap ($mil)

Risk Measures as of 12-31-23

Std Dev

Beta

Sharpe Ratio

Alpha

R-squared

16.03

2.50

121,048.10

3-Year

5-Year

10-Year

11.89

0.92

-0.16

-1.75

98.00

12.68

0.97

0.44

0.08

97.60

10.11

0.96

0.34

-0.92

96.64

F-I Statistics as of 11-30-23

Avg Eff Duration

Avg Eff Maturity

?2024 Morningstar, Inc., Morningstar Investment Profiles? 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 .

5.18

.

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Page 1 of 16

Disclosure

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

?2024 Morningstar, Inc., Morningstar Investment Profiles? 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 .

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 Rating?

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.

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Page 2 of 16

Disclosure

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 Box?

The Morningstar Style Box? reveals a fund¡¯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 the investment style (value, blend, or growth.) A

darkened cell in the style box matrix indicates the weighted

average style of the portfolio.

For portfolios holding fixed-income investments, a Fixed

Income Style Box is calculated. The vertical axis shows the

credit quality based on credit ratings and the horizontal axis

shows interest-rate sensitivity as measured by effective

duration. There are three credit categories - "High",

"Medium", and "Low"; and there are three interest rate

sensitivity categories - "Limited", "Moderate", and "Extensive";

resulting in nine possible combinations. As in the Equity Style

Box, the combination of credit and interest rate sensitivity for

a portfolio is represented by a darkened square in the matrix.

Morningstar uses credit rating information from credit rating

agencies (CRAs) that have been designated Nationally

Recognized Statistical Rating Organizations (NRSROs) by the

Securities and Exchange Commission (SEC) in the United

States. For a list of all NRSROs, please visit https://

ocr/ocr-current-nrsros.html. Additionally,

Morningstar will use credit ratings from CRAs which have

been recognized by foreign regulatory institutions that are

deemed the equivalent of the NRSRO designation. To

determine the rating applicable to a holding and the

subsequent holding weighted value of a portfolio two

methods may be employed. First is a common methodology

approach where if a case exists such that two CRAs have

rated a holding, the lower rating of the two should be applied;

if three or more CRAs have rated a holding, the median rating

should be applied; and in cases where there are more than

two ratings and a median rating cannot be determined, the

lower of the two middle ratings should be applied.

Alternatively, if there is more than one rating available an

average can be calculated from all and applied.

Please Note: Morningstar, Inc. is not an NRSRO nor does it

issue a credit rating on the fund. Credit ratings for any

security held in a portfolio can change over time.

Morningstar uses the credit rating information to calculate a

weighted-average credit quality value for the portfolio. This

value is based only upon those holdings which are considered

to be classified as "fixed income", such a government,

corporate, or securitized issues. Other types of holdings such

as equities and many, though not all, types of derivatives are

excluded. The weighted-average credit quality value is

represented by a rating symbol which corresponds to the

long-term rating symbol schemas employed by most CRAs.

Note that this value is not explicitly published but instead

serves as an input in the Style Box calculation. This symbol is

then used to map to a Style Box credit quality category of

¡°low,¡± ¡°medium,¡± or ¡°high¡±. Funds with a "low" credit quality

category are those whose weighted-average credit quality is

determined to be equivalent to the commonly used High Yield

classification, meaning a rating below "BBB", portfolios

assigned to the "high" credit category have either a "AAA" or

"AA+" average credit quality value, while "medium" are those

with an average rating of ¡°AA-¡° inclusive to "BBB-". It is

expected and intended that the majority of portfolios will be

assigned a credit category of "medium".

?2024 Morningstar, Inc., Morningstar Investment Profiles? 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 .

For assignment to an interest-rate sensitivity category,

Morningstar uses the average effective duration of the

portfolio. From this value there are three distinct

methodologies employed to determine assignment to

category. Portfolio which are assigned to Morningstar

municipal-bond categories employ static breakpoints

between categories. These breakpoints are: "Limited" equal

to 4.5 years or less, "Moderate" equal to 4.5 years to less

than 7 years; and "Extensive" equal to more than 7 years. For

portfolios assigned to Morningstar categories other than U.S.

Taxable, including all domiciled outside the United States,

static duration breakpoints are also used: "Limited" equals

less than or equal to 3.5 years, "Moderate" equals greater

than 3.5 years but less than or equal to 6 years, and

"Extensive" is assigned to portfolios with effective durations

of more than 6 years.

Note: Interest-rate sensitivity for non-U.S. domiciled

portfolios (excluding those in Morningstar convertible

categories) may be assigned using average modified duration

when average effective duration is not available.

For portfolios Morningstar classifies as U.S. Taxable FixedIncome, interest-rate sensitivity category assignment is

based on the effective duration of the Morningstar Core Bond

Index (MCBI). The classification assignment is dynamically

determined relative to the benchmark index value. A

¡°Limited¡± category will be assigned to portfolios whose

average effective duration is between 25% to 75% of MCBI

average effective duration, where the average effective

duration is between 75% to 125% of the MCBI the portfolio

will be classified as ¡°Moderate¡±, and those portfolios with an

average effective duration value 125% or greater of the

average effective duration of the MCBI will be classified as

¡°Extensive¡±.

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

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Page 3 of 16

Disclosure

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.

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 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 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 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

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

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

?2024 Morningstar, Inc., Morningstar Investment Profiles? 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 .

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

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Page 4 of 16

Disclosure

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,

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 27: 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 203 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 28: 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. 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 29: 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 30 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 30: 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 30 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 31: 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 91 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 32: 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 91 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 33: 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 32 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 34: 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 31 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 35: 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 403 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 36: 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 405 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,

?2024 Morningstar, Inc., Morningstar Investment Profiles? 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 .

which are not reflected on these fact sheets.

Type 37: 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 406 Administrative Charge,

assessed by Transamerica (if applicable), and the total

operating expenses of the underlying investment (if

applicable), 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 38: 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 404 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 39: 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 50 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 40: 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 50 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 41: 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 51 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 42: 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 51 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 43: The expense ratio quoted reflects the maximum

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