0000916943 2026-04-28 2026-04-28 0000916943 vip:RiskOfLossMember 2026-04-28 2026-04-28 0000916943 vip:NotShortTermInvestmentRiskMember 2026-04-28 2026-04-28 0000916943 vip:InvestmentOptionsRiskMember 2026-04-28 2026-04-28 0000916943 vip:InsuranceCompanyRiskMember 2026-04-28 2026-04-28 0000916943 ck0000916943:RisksOfAnIncreaseInCurrentFeesAndExpensesMember 2026-04-28 2026-04-28 0000916943 ck0000916943:InvestmentRiskMember 2026-04-28 2026-04-28 0000916943 ck0000916943:RisksOfManagingGeneralAccountAssetsMember 2026-04-28 2026-04-28 0000916943 ck0000916943:InsuranceCompanyInsolvencyMember 2026-04-28 2026-04-28 0000916943 ck0000916943:TaxConsequencesMember 2026-04-28 2026-04-28 0000916943 ck0000916943:CyberSecurityAndBusinessContinuityRisksMember 2026-04-28 2026-04-28 0000916943 vip:MarketRiskMember 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaBalancedIIClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaCoreBondClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaGovernmentMoneyMarketClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaHighYieldBondClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaInflationOpportunitiesClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaInternationalEquityClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaLargeCoreESGClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaLargeGrowthClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaLargeValueOpportunitiesClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaShortTermBondClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaSmallCapGrowthClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:TransamericaSmallCapValueClassI3Member 2026-04-28 2026-04-28 0000916943 ck0000916943:CalvertVPSRIBalancedPortfolioClassIMember 2026-04-28 2026-04-28 pure iso4217:USD 2026-04-28 N-4 TRANSAMERICA VARIABLE FUNDS <table cellpadding="0" style="font-size: 10pt; width: 100%; border-collapse: collapse; border: none; margin-left: 6.75pt; margin-right: 6.75pt; border-spacing: 0px; text-align: left;" width="102%"> <tr style="height: 0px; font-size: 0px;"><td style="width: 15%;"> </td><td style="width: 30%;"> </td><td style="width: 20%;"> </td><td style="width: 0%;"> </td><td style="width: 20%;"> </td><td style="width: 15%;"> </td></tr><tr style="mso-yfti-irow:0;mso-yfti-firstrow:yes;height:1.0pt"> <td colspan="5" style="border: 1pt solid windowtext; background: rgb(217, 217, 217); padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal">FEES AND EXPENSES</b></div> </td> <td style="border-top: 1pt solid windowtext; border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-image: initial; border-left: none; background: rgb(217, 217, 217); padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal">Location in</b></div> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal">Prospectus</b></div> </td> </tr> <tr style="mso-yfti-irow:1;height:1.0pt"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">Are There Charges for Early Withdrawals?</span></b></div> </td> <td colspan="4" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">No fee is charged by the Contract for redemption. </span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">N/A</span></div> </td> </tr> <tr style="mso-yfti-irow:2;height:1.0pt"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">Are There Transaction Charges?</span></b></div> </td> <td colspan="4" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">No.<span style="mso-spacerun:yes">   </span></span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"><a href="#tocAnchor20">Transfers</a></span></div> </td> </tr> <tr style="mso-yfti-irow:3;height:1.0pt"> <td rowspan="11" style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">Are There Ongoing Fees and Expenses (annual charges)?</span></b></div> </td> <td colspan="4" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Yes, The table below describes the fees and expenses that you may pay <i>each year,</i> for<i> </i>your Contract depending on the options you choose.<span style="mso-spacerun:yes">  </span>Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> </td> <td rowspan="11" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"><a href="#tocAnchor11">Annual Contract Charges</a></span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"><a href="#tocAnchor55">Appendix: Investment Options Available Under the Contract</a></span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"><a href="#tocAnchor3">Annuity Contract Fee Tables And Expense Examples </a></span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> </td> </tr> <tr style="mso-yfti-irow:4;height:2.25pt"> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; background: rgb(217, 217, 217); padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal">Annual Fee</b></div> </td> <td colspan="2" style="border-top: 1pt solid windowtext; border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-image: initial; border-left: none; background: rgb(217, 217, 217); padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal">Minimum</b></div> </td> <td style="border-top: 1pt solid windowtext; border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-image: initial; border-left: none; background: rgb(217, 217, 217); padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal">Maximum</b></div> </td> </tr> <tr style="mso-yfti-irow:5;height:2.25pt"> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt;mso-bidi-font-weight:bold">Base Contract</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt;mso-bidi-font-weight:bold">1.10%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt;mso-bidi-font-weight:bold">1.25%</span></div> </td> </tr> <tr style="mso-yfti-irow:6;height:2.25pt"> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Annual Contract Fee¹</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">None</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">$50</span></div> </td> </tr> <tr style="mso-yfti-irow:7;height:2.25pt"> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Investment options²</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">(<a href="#Portfoliocompanies">Portfolio Company</a> fees and expenses)</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">0.37%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">1.09%</span></div> </td> </tr> <tr style="mso-yfti-irow:8;height:2.25pt"> <td colspan="4" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 2.25pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Optional Benefit Expenses<span style="mso-spacerun:yes">                                                        </span>None</span></div> </td> </tr> <tr style="mso-yfti-irow:9;height:1.0pt"> <td colspan="4" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;">^{<span style="mso-bidi-font-size:10.0pt">1 </span>}<span style="mso-bidi-font-size: 10.0pt">TFLIC does not currently assess an Annual Contract fee.</span></div> </td> </tr> <tr style="mso-yfti-irow:10;height:1.0pt"> <td colspan="4" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;">^{<span style="mso-bidi-font-size:10.0pt">2</span>}<span style="mso-bidi-font-size: 10.0pt"> <span style="color:#231F20"><span style="mso-spacerun:yes"> </span></span>As a percentage of Portfolio Company assets.</span></div> </td> </tr> <tr style="mso-yfti-irow:11;height:1.0pt"> <td colspan="4" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 1pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract.</span></div> </td> </tr> <tr style="mso-yfti-irow:12;height:5.65pt"> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 5.65pt;" valign="top"> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">Lowest Annual Cost Estimate:</span></b></div> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">$1,496</span></b></div> </td> <td colspan="2" style="border-top: 1pt solid windowtext; border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-image: initial; border-left: none; padding: 0in 5.4pt; height: 5.65pt;" valign="top"> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">Highest Annual Cost Estimate:</span></b></div> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">$2,371</span></b></div> </td> </tr> <tr style="mso-yfti-irow:13;mso-yfti-lastrow:yes;height:5.6pt"> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 5.6pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Assumes:</span></div> <div style="margin: 0in 27.6pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Investment of $100,000</span></div> <div style="margin: 0in 27.6pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">5% annual return </span></div> <div style="margin: 0in 12.95pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Least expensive fund fees and expenses</span></div> <div style="margin: 0in 12.95pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No optional benefits </span></div> <div style="margin: 0in 12.95pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No sales charges</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">No additional <a href="#purchasepayment">purchase payment</a>s, transfers or withdrawals</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; height: 5.6pt;" valign="top"> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Assumes:</span></div> <div style="margin: 0in 0in 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Investment of $100,000</span></div> <div style="margin: 0in 27.6pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">5% annual return </span></div> <div style="margin: 0in 12.95pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Most expensive fund fees and expenses</span></div> <div style="margin: 0in 12.95pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No optional benefits </span></div> <div style="margin: 0in 12.95pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No sales charges</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">No additional <a href="#purchasepayment">purchase payment</a>s, transfers or withdrawals</span></div> </td> </tr> </table> No fee is charged by the Contract for redemption. No. <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Yes, The table below describes the fees and expenses that you may pay <i>each year,</i> for<i> </i>your Contract depending on the options you choose.<span style="mso-spacerun:yes">  </span>Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"><a href="#tocAnchor11">Annual Contract Charges</a></span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"><a href="#tocAnchor55">Appendix: Investment Options Available Under the Contract</a></span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"><a href="#tocAnchor3">Annuity Contract Fee Tables And Expense Examples </a></span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <b style="mso-bidi-font-weight:normal">Annual Fee</b> <b style="mso-bidi-font-weight:normal">Minimum</b> <b style="mso-bidi-font-weight:normal">Maximum</b> <span style="mso-bidi-font-size:10.0pt;mso-bidi-font-weight:bold">Base Contract</span> <span style="mso-bidi-font-size:10.0pt;mso-bidi-font-weight:bold">1.10%</span> <span style="mso-bidi-font-size:10.0pt;mso-bidi-font-weight:bold">1.25%</span> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Annual Contract Fee¹</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">None</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">$50</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Investment options²</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">(<a href="#Portfoliocompanies">Portfolio Company</a> fees and expenses)</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">0.37%</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">1.09%</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Optional Benefit Expenses<span style="mso-spacerun:yes">                                                        </span>None</span></div> <div style="margin: 0in;">^{<span style="mso-bidi-font-size:10.0pt">1 </span>}<span style="mso-bidi-font-size: 10.0pt">TFLIC does not currently assess an Annual Contract fee.</span></div> <div style="margin: 0in;">^{<span style="mso-bidi-font-size:10.0pt">2</span>}<span style="mso-bidi-font-size: 10.0pt"> <span style="color:#231F20"><span style="mso-spacerun:yes"> </span></span>As a percentage of Portfolio Company assets.</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt"> </span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract.</span></div> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">Lowest Annual Cost Estimate:</span></b></div> <b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">$1,496</span></b> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">Highest Annual Cost Estimate:</span></b></div> <b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">$2,371</span></b> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Assumes:</span></div> <div style="margin: 0in 27.6pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Investment of $100,000</span></div> <div style="margin: 0in 27.6pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">5% annual return </span></div> <div style="margin: 0in 12.95pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Least expensive fund fees and expenses</span></div> <div style="margin: 0in 12.95pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No optional benefits </span></div> <div style="margin: 0in 12.95pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No sales charges</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">No additional <a href="#purchasepayment">purchase payment</a>s, transfers or withdrawals</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Assumes:</span></div> <div style="margin: 0in 0in 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Investment of $100,000</span></div> <div style="margin: 0in 27.6pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">5% annual return </span></div> <div style="margin: 0in 12.95pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Most expensive fund fees and expenses</span></div> <div style="margin: 0in 12.95pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No optional benefits </span></div> <div style="margin: 0in 12.95pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No sales charges</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">No additional <a href="#purchasepayment">purchase payment</a>s, transfers or withdrawals</span></div> 0.011 0.0125 0 50 0.0037 0.0109 0 As a percentage of Portfolio Company assets. <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">Lowest Annual Cost Estimate:</span></b></div> <b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">$1,496</span></b> <div style="margin: 0in;"><b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">Highest Annual Cost Estimate:</span></b></div> <b style="mso-bidi-font-weight:normal"><span style="mso-bidi-font-size:10.0pt">$2,371</span></b> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Assumes:</span></div> <div style="margin: 0in 27.6pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Investment of $100,000</span></div> <div style="margin: 0in 27.6pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">5% annual return </span></div> <div style="margin: 0in 12.95pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Least expensive fund fees and expenses</span></div> <div style="margin: 0in 12.95pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No optional benefits </span></div> <div style="margin: 0in 12.95pt 0.0001pt 16.85pt; text-indent: -9pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No sales charges</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">No additional <a href="#purchasepayment">purchase payment</a>s, transfers or withdrawals</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">Assumes:</span></div> <div style="margin: 0in 0in 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Investment of $100,000</span></div> <div style="margin: 0in 27.6pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">5% annual return </span></div> <div style="margin: 0in 12.95pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">Most expensive fund fees and expenses</span></div> <div style="margin: 0in 12.95pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No optional benefits </span></div> <div style="margin: 0in 12.95pt 0.0001pt 17.15pt; text-indent: -8.15pt;"><span style="mso-bidi-font-size:10.0pt;font-family:Symbol;mso-fareast-font-family: Symbol;mso-bidi-"><span style="mso-list:Ignore">●<span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-size-adjust: none; font-language-override: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-variant-position: normal; font-variant-emoji: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;"> </span></span></span><span style="mso-bidi-font-size:10.0pt">No sales charges</span></div> <div style="margin: 0in;"><span style="mso-bidi-font-size:10.0pt">No additional <a href="#purchasepayment">purchase payment</a>s, transfers or withdrawals</span></div> 1496 2371 <b>RISKS</b><b>Location in Prospectus </b><b style="mso-bidi-font-weight:normal">Is There a Risk of Loss From Poor Performance?</b>Yes. You can lose money by investing in this Contract, including loss of principal.<a href="#_Principal_Risks_Of"><span style="mso-bidi-font-size:10.0pt">Principal Risks of Investing in the Contract</span></a> <div> <span style="font-weight: bold;">Is this a Short-Term Investment?</span> </div> <div> No. This <a href="#Contracts">Contract</a> is not a short-term investment and is not appropriate for an investor who needs ready access to cash. </div> <div>  </div> <div style="margin-right: 6.25pt;"> The Contract is designed and offered as funding vehicles for retirement plans maintained by state educational organizations, certain tax-exempt organizations, IRA contractholders, and taxed organizations in the case of the Section 401(a) and/or Section 401(k) contracts and corporate nonqualified deferred compensation contracts. </div> <div style="margin-right: 6.25pt;">  </div> <div> <a href="#_Principal_Risks_Of">Principal Risks of Investing in the Contract</a> </div> <div>  </div> <div> <a href="#tocAnchor38">Federal Income Tax Status</a> </div> <div> <span style="font-weight: bold;">What Are the  Risks Associated with Investment Options ?</span> </div> <div style="margin-right: 6.5pt;"> An investment in the Contract is subject to the risk of poor investment performance.  The investment performance of your Contract can vary depending on the performance of the <a href="#subaccount">Subaccount</a>s options that you choose. </div> <div style="margin-right: 6.5pt;">  </div> <div> Each Subaccount has its own unique risks. You should review the Subaccounts carefully before making an investment decisio </div> <div> Prospectus of each Portfolio Company </div> <div>  </div> <div> <a href="#tocAnchor55">Appendix- Investment Options available under Your Contract</a> </div> <div>  </div> <div> <span style="font-weight: bold;">What Are the  Risks Related to the Insurance Company?</span> </div> <div style="margin-right: 6.5pt;"> An investment in the Contract is subject to the risks related to Transamerica Financial Life Insurance Company. Any obligations, guarantees, and benefits under the Contract are subject to our claims-paying ability.   </div> <div style="margin-right: 6.5pt;">  </div> <div style="margin-right: 6.5pt;"> More information about Transamerica Financial Life Insurance Company, including our financial strength ratings, is available by visiting www.transamerica.com or calling toll-free[(800) 755-5801.   </div> <div style="margin-right: 6.5pt;">  </div> <a href="#_Principal_Risks_Of">Principal Risks of Investing in the Contract</a> Yes. You can lose money by investing in this Contract, including loss of principal. No. This <a href="#Contracts">Contract</a> is not a short-term investment and is not appropriate for an investor who needs ready access to cash. <div>  </div> The Contract is designed and offered as funding vehicles for retirement plans maintained by state educational organizations, certain tax-exempt organizations, IRA contractholders, and taxed organizations in the case of the Section 401(a) and/or Section 401(k) contracts and corporate nonqualified deferred compensation contracts. An investment in the Contract is subject to the risk of poor investment performance.  The investment performance of your Contract can vary depending on the performance of the <a href="#subaccount">Subaccount</a>s options that you choose. <div style="margin-right: 6.5pt;">  </div> Each Subaccount has its own unique risks. You should review the Subaccounts carefully before making an investment decisio An investment in the Contract is subject to the risks related to Transamerica Financial Life Insurance Company. Any obligations, guarantees, and benefits under the Contract are subject to our claims-paying ability.   <div style="margin-right: 6.5pt;">  </div> More information about Transamerica Financial Life Insurance Company, including our financial strength ratings, is available by visiting www.transamerica.com or calling toll-free[(800) 755-5801. Yes. We reserve the right to remove or substitute the Portfolio Companies that are available as investment options under the Contract. You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. <div style="margin-right: 6.25pt;">  </div> <div style="margin-right: 6.25pt;"> If you purchased the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral. </div> <div style="margin-right: 6.25pt;">  </div> Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59½. Some investment professionals may receive compensation for selling the Contract to investors in the form of commissions and other incentives.  This conflict of interest may influence your investment professional to recommend the Contract over another investment. Some investment professionals may have a financial incentive to offer you a new Contract in place of the one you already own.  You should only exchange your Contract if you determine, after comparing the features, fees, and risks of both contracts, that it is preferable for you to purchase the new Contract rather than continue to own your existing Contract. <div style="font-weight: bold; text-transform: uppercase; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> Annuity Contract Fee Tables And Expense Examples </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="margin-top: 6.05pt; line-height: 1.21; margin-right: 16.6pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. </div> <div style="margin-top: 6.05pt; line-height: 1.21; margin-right: 16.6pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The first table describes the fees and expenses that you will, directly or indirectly pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract value between investment options. <span style="color: #231F20;"> State premium taxes may be deducted upon the purchase of a </span><a href="#Fixedannuity">Fixed Annuity</a><span style="color: #231F20;"> under the Contract.</span> </div> <div style="margin-top: 6.05pt; line-height: 1.21; margin-left: 8pt; margin-right: 16.6pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <table style="border-spacing: 0px; border-collapse: collapse; margin-left: 31.5pt; width: 85.28%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 394.25pt;">  </td> <td style="width: 50.5pt;">  </td> </tr> <tr style="vertical-align: top; height: 1.0pt;"> <td colspan="2" style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-right: 6pt; background-color: #D9D9D9; vertical-align: bottom;"> <div> <span style="font-weight: bold;">Transaction Expenses</span> </div> <div>   </div> </td> </tr> <tr style="vertical-align: top; height: 1.0pt;"> <td style="padding: 0; width: 88.64%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-right: 6pt; vertical-align: bottom;"> <div> Sales Load On Purchase Payments </div> </td> <td style="padding: 0; width: 11.36%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-left: 6pt; vertical-align: bottom;"> <div style="text-align: center; margin-left: 0.05pt;"> 0% </div> </td> </tr> <tr style="vertical-align: top; height: 1.0pt;"> <td style="padding: 0; width: 88.64%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-right: 6pt; vertical-align: bottom;"> <div> Maximum Surrender Charge (as a % of premium payments surrendered) </div> </td> <td style="padding: 0; width: 11.36%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-left: 6pt; vertical-align: bottom;"> <div style="text-align: center;">  0% </div> </td> </tr> <tr style="vertical-align: top; height: 1.0pt;"> <td style="padding: 0; width: 88.64%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-right: 6pt; vertical-align: bottom;"> <div> Exchange Fee </div> </td> <td style="padding: 0; width: 11.36%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-left: 6pt; vertical-align: bottom;"> <div style="text-align: center;"> $0 </div> </td> </tr> </table> <div style="margin-left: 8pt; margin-right: 16.55pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="margin-right: 16.55pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The following table shows the fees and expenses that you will pay <span style="font-style: italic;">each year</span> during the time that you own the Contract not including the fees and expenses of the <a href="#UnderlyingInvestments">Underlying Investments</a>. </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="margin-left: 31.5pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Annual Contract Expenses: </span> </div> <div style="line-height: 1pt; margin-left: 27pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <table style="border-spacing: 0px; border-collapse: collapse; margin-left: auto; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt; margin-right: auto;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 189pt;">  </td> <td style="width: 207pt;">  </td> </tr> <tr style="vertical-align: top; height: 15.0pt;"> <td colspan="2" style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; background-color: #D9D9D9;"> <div style="background-color: #F2F2F2; margin-left: 4.2pt;"> <span style="color: #000000; font-weight: bold;">Base Contract Annual Expenses (as a percentage of average account value)</span> </div> <div style="margin-top: 2.65pt; text-align: right;">  </div> </td> </tr> <tr style="vertical-align: top; height: 15.0pt;"> <td style="padding: 0; width: 189pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black;"> <div style="margin-top: 2.65pt; margin-left: 2.5pt;"> <span style="color: #231F20;">Annual Contract Fee</span> </div> </td> <td style="padding: 0; width: 207pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black;"> <div style="margin-top: 2.65pt; text-align: center;"> <span style="color: #231F20;">$ 50</span><sup style="color: #231F20;">(1)</sup> </div> </td> </tr> <tr style="vertical-align: top; height: 15.0pt;"> <td style="padding: 0; width: 189pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black;"> <div style="margin-top: 2.65pt; margin-left: 2.5pt;"> Base Contract Fee </div> </td> <td style="padding: 0; width: 207pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black;"> <div style="margin-top: 2.65pt; text-align: center;"> 1.25%<sup style="color: #231F20;">(2)</sup> </div> </td> </tr> </table> <div style="line-height: 1.21; margin-right: 7.8pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="text-indent: -9pt; line-height: 1.21; padding-left: 45pt; margin-right: 7.8pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <sup style="color: #000000;">(1)</sup><span style="color: #000000;">TFLIC reserves the right to deduct an annual contract charge from a Participant’s Accumulation Account in accordance with the provisions of the Contracts. TFLIC has no present intention to impose such a charge, but it may do so in the future.</span> </div> <div style="text-indent: -9pt; line-height: 1.21; padding-left: 45pt; margin-right: 5.9pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <sup style="color: #000000;">(</sup><sup style="color: #000000;">2</sup><sup style="color: #000000;">)</sup><span style="color: #000000;">TFLIC currently charges mortality and expense risk fees of 1.10% and reserves the right to charge maximum mortality and expense risk fees of up to 1.25% upon notice. </span> </div> <div style="line-height: 1.21; margin-right: 5.9pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The next table shows the minimum and maximum total operating expenses charged by the Portfolio Companies that you may pay periodically during the time that you own the <a href="#Contracts">Contract</a><span style="font-weight: bold;">.</span> A complete list of the Portfolio Companies available under the Contract, including their annual expenses, may be found under <a href="#tocAnchor55">Appendix: Investment Options Available Under the Contract</a> </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <table style="border-spacing: 0px; border-collapse: collapse; margin-left: auto; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt; margin-right: auto;"> <tr style="vertical-align: top;"> <td style="padding: 0; width: 288pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9;"> <div> <span style="font-weight: bold;">Annual Portfolio Company Expenses</span><sup style="font-weight: bold;">(</sup><sup style="font-weight: bold;">1</sup><sup style="font-weight: bold;">)</sup> </div> </td> <td style="padding: 0; width: 58.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9;"> <div style="text-align: center;"> <span style="font-weight: bold;">Minimum</span> </div> </td> <td style="padding: 0; width: 63.3pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9;"> <div style="text-align: center;"> <span style="font-weight: bold;">Maximum</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt; width: 288pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle;"> <div style="margin-bottom: 3pt; margin-top: 3pt;"> <span style="font-weight: bold;">Expenses</span> (expenses that are deducted from Underlying Investment<span style="color: #0000FF;"> </span>assets, including management fees, distribution and/or service and 12b-1 fees, and other expenses) </div> </td> <td style="padding: 0; width: 58.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 3pt; margin-top: 3pt; text-align: center;"> 0.37% </div> </td> <td style="padding: 0; width: 63.3pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 3pt; margin-top: 3pt; text-align: center;"> 1.09% </div> </td> </tr> </table> <div style="margin-left: 45.35pt; margin-right: 25.9pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <ol style="list-style-type: decimal; padding: 0px; margin: 0px; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <li style="margin-left: 54pt; margin-right: 25.9pt;"> The expenses shown are those incurred for the year ended October 31, 2025, Current or future expenses may be greater or less than those shown.   </li> </ol><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20; font-weight: bold;">Expense Example: </span> </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">These examples are intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include </span><a href="#Separateaccount">Separate Account</a><span style="color: #231F20;"> annual expenses and the fees and expenses of the Underlying Investments.</span> </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">If you (i) surrender your Contract at the end of the applicable time period, (ii) annuitize at the end of the applicable period or (iii) do not surrender your Contract, you would pay the following expenses on a $100,000 investment. These examples assume a 5% return each year (this assumption is required by the SEC and is not a prediction of any Subaccount’s future performance). These examples should not be considered a representation of past or future expenses, and actual expenses may be greater or lesser than those shown.</span> </div> <div style="line-height: 1.21; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">The following example is based on fees before waivers and reimbursements and reflects the imposition of the maximum mortality and expense risk charge  (1.25%) which may be imposed by TFLIC, and investing in the Portfolio Company with the maximum expenses (1.02%).</span> </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <table style="border-spacing: 0px; border-collapse: collapse; margin: auto; width: 74.64%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <tr style="vertical-align: top; height: 18.4pt;"> <td style="padding: 0; width: 24.82%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-weight: bold;">After 1 Year</span> </div> </td> <td style="padding: 0; width: 23.2%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-weight: bold;">After 3 Years</span> </div> </td> <td style="padding: 0; width: 25.98%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-weight: bold;">After 5 Years</span> </div> </td> <td style="padding: 0; width: 26%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; vertical-align: middle;"> <div style="text-align: center;"> <span style="font-weight: bold;">After 10 Years</span> </div> </td> </tr> <tr style="vertical-align: top; height: 14.5pt;"> <td style="padding: 0; width: 24.82%; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black;"> <div style="text-align: center;"> $2,371 </div> </td> <td style="padding: 0; width: 23.2%; border-bottom: 1pt solid black; border-right: 1pt solid black;"> <div style="text-align: center;"> $7,304 </div> </td> <td style="padding: 0; width: 25.98%; border-bottom: 1pt solid black; border-right: 1pt solid black;"> <div style="text-align: center;"> $12,503 </div> </td> <td style="padding: 0; width: 26%; border-bottom: 1pt solid black; border-right: 1pt solid black;"> <div style="text-align: center;"> $26,761 </div> </td> </tr> </table> <div style="margin-top: 6.05pt; line-height: 1.21; margin-right: 16.6pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The first table describes the fees and expenses that you will, directly or indirectly pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract value between investment options. <span style="color: #231F20;"> State premium taxes may be deducted upon the purchase of a </span><a href="#Fixedannuity">Fixed Annuity</a><span style="color: #231F20;"> under the Contract.</span> </div><table style="border-spacing: 0px; border-collapse: collapse; margin-left: 31.5pt; width: 85.28%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 394.25pt;">  </td> <td style="width: 50.5pt;">  </td> </tr> <tr style="vertical-align: top; height: 1.0pt;"> <td colspan="2" style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-right: 6pt; background-color: #D9D9D9; vertical-align: bottom;"> <div> <span style="font-weight: bold;">Transaction Expenses</span> </div> <div>   </div> </td> </tr> <tr style="vertical-align: top; height: 1.0pt;"> <td style="padding: 0; width: 88.64%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-right: 6pt; vertical-align: bottom;"> <div> Sales Load On Purchase Payments </div> </td> <td style="padding: 0; width: 11.36%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-left: 6pt; vertical-align: bottom;"> <div style="text-align: center; margin-left: 0.05pt;"> 0% </div> </td> </tr> <tr style="vertical-align: top; height: 1.0pt;"> <td style="padding: 0; width: 88.64%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-right: 6pt; vertical-align: bottom;"> <div> Maximum Surrender Charge (as a % of premium payments surrendered) </div> </td> <td style="padding: 0; width: 11.36%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-left: 6pt; vertical-align: bottom;"> <div style="text-align: center;">  0% </div> </td> </tr> <tr style="vertical-align: top; height: 1.0pt;"> <td style="padding: 0; width: 88.64%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-right: 6pt; vertical-align: bottom;"> <div> Exchange Fee </div> </td> <td style="padding: 0; width: 11.36%; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-top: 4pt; padding-left: 6pt; vertical-align: bottom;"> <div style="text-align: center;"> $0 </div> </td> </tr> </table> 0 0 0 <div style="margin-right: 16.55pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The following table shows the fees and expenses that you will pay <span style="font-style: italic;">each year</span> during the time that you own the Contract not including the fees and expenses of the <a href="#UnderlyingInvestments">Underlying Investments</a>. </div><div style="margin-left: 31.5pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Annual Contract Expenses: </span> </div><table style="border-spacing: 0px; border-collapse: collapse; margin-left: auto; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt; margin-right: auto;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 189pt;">  </td> <td style="width: 207pt;">  </td> </tr> <tr style="vertical-align: top; height: 15.0pt;"> <td colspan="2" style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; background-color: #D9D9D9;"> <div style="background-color: #F2F2F2; margin-left: 4.2pt;"> <span style="color: #000000; font-weight: bold;">Base Contract Annual Expenses (as a percentage of average account value)</span> </div> <div style="margin-top: 2.65pt; text-align: right;">  </div> </td> </tr> <tr style="vertical-align: top; height: 15.0pt;"> <td style="padding: 0; width: 189pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black;"> <div style="margin-top: 2.65pt; margin-left: 2.5pt;"> <span style="color: #231F20;">Annual Contract Fee</span> </div> </td> <td style="padding: 0; width: 207pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black;"> <div style="margin-top: 2.65pt; text-align: center;"> <span style="color: #231F20;">$ 50</span><sup style="color: #231F20;">(1)</sup> </div> </td> </tr> <tr style="vertical-align: top; height: 15.0pt;"> <td style="padding: 0; width: 189pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black;"> <div style="margin-top: 2.65pt; margin-left: 2.5pt;"> Base Contract Fee </div> </td> <td style="padding: 0; width: 207pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black;"> <div style="margin-top: 2.65pt; text-align: center;"> 1.25%<sup style="color: #231F20;">(2)</sup> </div> </td> </tr> </table><div style="text-indent: -9pt; line-height: 1.21; padding-left: 45pt; margin-right: 7.8pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <sup style="color: #000000;">(1)</sup><span style="color: #000000;">TFLIC reserves the right to deduct an annual contract charge from a Participant’s Accumulation Account in accordance with the provisions of the Contracts. TFLIC has no present intention to impose such a charge, but it may do so in the future.</span> </div><div style="text-indent: -9pt; line-height: 1.21; padding-left: 45pt; margin-right: 5.9pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <sup style="color: #000000;">(</sup><sup style="color: #000000;">2</sup><sup style="color: #000000;">)</sup><span style="color: #000000;">TFLIC currently charges mortality and expense risk fees of 1.10% and reserves the right to charge maximum mortality and expense risk fees of up to 1.25% upon notice. </span> </div> 50 0.0125 <span style="color: #000000;">TFLIC reserves the right to deduct an annual contract charge from a Participant’s Accumulation Account in accordance with the provisions of the Contracts. TFLIC has no present intention to impose such a charge, but it may do so in the future.</span> TFLIC currently charges mortality and expense risk fees of 1.10% and reserves the right to charge maximum mortality and expense risk fees of up to 1.25% upon notice. <table style="border-spacing: 0px; border-collapse: collapse; margin-left: auto; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt; margin-right: auto;"> <tr style="vertical-align: top;"> <td style="padding: 0; width: 288pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9;"> <div> <span style="font-weight: bold;">Annual Portfolio Company Expenses</span><sup style="font-weight: bold;">(</sup><sup style="font-weight: bold;">1</sup><sup style="font-weight: bold;">)</sup> </div> </td> <td style="padding: 0; width: 58.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9;"> <div style="text-align: center;"> <span style="font-weight: bold;">Minimum</span> </div> </td> <td style="padding: 0; width: 63.3pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9;"> <div style="text-align: center;"> <span style="font-weight: bold;">Maximum</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt; width: 288pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle;"> <div style="margin-bottom: 3pt; margin-top: 3pt;"> <span style="font-weight: bold;">Expenses</span> (expenses that are deducted from Underlying Investment<span style="color: #0000FF;"> </span>assets, including management fees, distribution and/or service and 12b-1 fees, and other expenses) </div> </td> <td style="padding: 0; width: 58.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 3pt; margin-top: 3pt; text-align: center;"> 0.37% </div> </td> <td style="padding: 0; width: 63.3pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 3pt; margin-top: 3pt; text-align: center;"> 1.09% </div> </td> </tr> </table> 0.0037 0.0109 <ol style="list-style-type: decimal; padding: 0px; margin: 0px; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <li style="margin-left: 54pt; margin-right: 25.9pt;"> The expenses shown are those incurred for the year ended October 31, 2025, Current or future expenses may be greater or less than those shown.   </li> </ol> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20; font-weight: bold;">Expense Example: </span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">These examples are intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include </span><a href="#Separateaccount">Separate Account</a><span style="color: #231F20;"> annual expenses and the fees and expenses of the Underlying Investments.</span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">If you (i) surrender your Contract at the end of the applicable time period, (ii) annuitize at the end of the applicable period or (iii) do not surrender your Contract, you would pay the following expenses on a $100,000 investment. These examples assume a 5% return each year (this assumption is required by the SEC and is not a prediction of any Subaccount’s future performance). These examples should not be considered a representation of past or future expenses, and actual expenses may be greater or lesser than those shown.</span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">The following example is based on fees before waivers and reimbursements and reflects the imposition of the maximum mortality and expense risk charge  (1.25%) which may be imposed by TFLIC, and investing in the Portfolio Company with the maximum expenses (1.02%).</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">After 1 Year</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">After 3 Years</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">After 5 Years</span> </div> <span style="font-weight: bold;">After 10 Years</span> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20; font-weight: bold;">Expense Example: </span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">These examples are intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include </span><a href="#Separateaccount">Separate Account</a><span style="color: #231F20;"> annual expenses and the fees and expenses of the Underlying Investments.</span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">If you (i) surrender your Contract at the end of the applicable time period, (ii) annuitize at the end of the applicable period or (iii) do not surrender your Contract, you would pay the following expenses on a $100,000 investment. These examples assume a 5% return each year (this assumption is required by the SEC and is not a prediction of any Subaccount’s future performance). These examples should not be considered a representation of past or future expenses, and actual expenses may be greater or lesser than those shown.</span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">The following example is based on fees before waivers and reimbursements and reflects the imposition of the maximum mortality and expense risk charge  (1.25%) which may be imposed by TFLIC, and investing in the Portfolio Company with the maximum expenses (1.02%).</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">After 1 Year</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">After 3 Years</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">After 5 Years</span> </div> <span style="font-weight: bold;">After 10 Years</span> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20; font-weight: bold;">Expense Example: </span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">These examples are intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include </span><a href="#Separateaccount">Separate Account</a><span style="color: #231F20;"> annual expenses and the fees and expenses of the Underlying Investments.</span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">If you (i) surrender your Contract at the end of the applicable time period, (ii) annuitize at the end of the applicable period or (iii) do not surrender your Contract, you would pay the following expenses on a $100,000 investment. These examples assume a 5% return each year (this assumption is required by the SEC and is not a prediction of any Subaccount’s future performance). These examples should not be considered a representation of past or future expenses, and actual expenses may be greater or lesser than those shown.</span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">The following example is based on fees before waivers and reimbursements and reflects the imposition of the maximum mortality and expense risk charge  (1.25%) which may be imposed by TFLIC, and investing in the Portfolio Company with the maximum expenses (1.02%).</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">After 1 Year</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">After 3 Years</span> </div> <div style="text-align: center;"> <span style="font-weight: bold;">After 5 Years</span> </div> <span style="font-weight: bold;">After 10 Years</span> 2371 2371 2371 7304 7304 7304 12503 12503 12503 26761 26761 26761 <div style="font-weight: bold; text-transform: uppercase; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> Principal Risks Of Investing In The Contract </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">There are risks associated with investing in the Contract</span>. The <a href="#Contracts">Contract</a> is a “variable” annuity because the value of your Contract can go up or down based on the performance of your <a href="#subaccount">S</a><a href="#subaccount">ubaccounts. </a> When you invest in the Separate Account, the amount of money you are able to accumulate in your Contract during the accumulation phase depends upon the performance of your Subaccounts and each Subaccount may have its own unique risks. You could lose the amount you allocate to a Subaccount. </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Risks of an Increase in Current Fees and Expenses</span>. Certain fees and expenses are currently assessed at less than their guaranteed maximum levels. In the future, these charges may be increased up to the guaranteed (maximum) levels. </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="line-height: 12pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #000000; font-weight: bold;">Investment Risk. </span><span style="color: #000000;">You bear the risk of any decline in the Contract value caused by the performance of the </span><a href="#UnderlyingInvestments">Underlying</a><a href="#UnderlyingInvestments"> </a><a href="#UnderlyingInvestments">Investments</a><span style="color: #000000;"> held by the Subaccounts. Those investments could decline in value very significantly, and there is a risk of loss of your entire amount invested. The risk of loss varies with each Underlying Investment. This risk could have a significant negative impact on the value of certain benefits offered under the Contract. The investment risks described in the prospectuses are for the Underlying Investments. </span> </div> <div style="line-height: 12pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Risks of Managing General Account Assets</span>. The general account assets of the Company are used to support the payment of guaranteed benefits under the Contract. To the extent that the Company is required to pay amounts in addition to the Contract Value, such amounts will come from our general account assets. You should be aware that the general account assets are exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk, and are also subject to the claims of the Company’s general creditors. The Company’s financial statements contained in the Statement of Additional Information include a further discussion of risks inherent in the general account investments. </div> <div style="line-height: 12pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #000000; font-weight: bold;">Insurance Company Insolvency</span><span style="color: #000000;">. It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all of the guarantees and benefits that exceed the assets in the Separate Account that we promise.</span> </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Tax Consequences</span>. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals are generally restricted prior to age 59½, otherwise, a tax penalty may apply. The ultimate effect of federal income taxes on payments and on the economic benefit to the Participant, annuitant, payee and beneficiary depends on the tax and employment status of the individual concerned. </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Cyber Security and Business Continuity Risks. </span>Our operations support complex transactions and are highly dependent on the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data, and breaches of regulation may lead to a materially adverse effect on our administration of the Contract. We cannot assure you that interruptions, failures, or breaches in security of these processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. Also, our business operations may be adversely affected by volatile natural and man-made disasters, including (but not limited to) hurricanes, earthquakes, terrorism, civil unrest, geopolitical disputes, military action, fires and explosions, pandemic diseases, and other catastrophes. Such events may impact the availability and capacity of our key personnel and may have a materially adverse effect on our administration of the Contract. See “Non-Principal Risks of Investing in the Contract” in the SAI for additional information. </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Market Risks. </span>The market values of the Portfolio Companies’ securities and other assets will fluctuate, sometimes sharply and unpredictably, due to changes in general market conditions, overall economic trends or events, governmental actions or interventions. See “Non-Principal Risks of Investing in the Contract” in the SAI for additional information. </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">There are risks associated with investing in the Contract</span>. The <a href="#Contracts">Contract</a> is a “variable” annuity because the value of your Contract can go up or down based on the performance of your <a href="#subaccount">S</a><a href="#subaccount">ubaccounts. </a> When you invest in the Separate Account, the amount of money you are able to accumulate in your Contract during the accumulation phase depends upon the performance of your Subaccounts and each Subaccount may have its own unique risks. You could lose the amount you allocate to a Subaccount. </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Risks of an Increase in Current Fees and Expenses</span>. Certain fees and expenses are currently assessed at less than their guaranteed maximum levels. In the future, these charges may be increased up to the guaranteed (maximum) levels. </div> <div style="line-height: 12pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #000000; font-weight: bold;">Investment Risk. </span><span style="color: #000000;">You bear the risk of any decline in the Contract value caused by the performance of the </span><a href="#UnderlyingInvestments">Underlying</a><a href="#UnderlyingInvestments"> </a><a href="#UnderlyingInvestments">Investments</a><span style="color: #000000;"> held by the Subaccounts. Those investments could decline in value very significantly, and there is a risk of loss of your entire amount invested. The risk of loss varies with each Underlying Investment. This risk could have a significant negative impact on the value of certain benefits offered under the Contract. The investment risks described in the prospectuses are for the Underlying Investments. </span> </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Risks of Managing General Account Assets</span>. The general account assets of the Company are used to support the payment of guaranteed benefits under the Contract. To the extent that the Company is required to pay amounts in addition to the Contract Value, such amounts will come from our general account assets. You should be aware that the general account assets are exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk, and are also subject to the claims of the Company’s general creditors. The Company’s financial statements contained in the Statement of Additional Information include a further discussion of risks inherent in the general account investments. </div> <div style="line-height: 12pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #000000; font-weight: bold;">Insurance Company Insolvency</span><span style="color: #000000;">. It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all of the guarantees and benefits that exceed the assets in the Separate Account that we promise.</span> </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Tax Consequences</span>. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals are generally restricted prior to age 59½, otherwise, a tax penalty may apply. The ultimate effect of federal income taxes on payments and on the economic benefit to the Participant, annuitant, payee and beneficiary depends on the tax and employment status of the individual concerned. </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Cyber Security and Business Continuity Risks. </span>Our operations support complex transactions and are highly dependent on the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data, and breaches of regulation may lead to a materially adverse effect on our administration of the Contract. We cannot assure you that interruptions, failures, or breaches in security of these processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. Also, our business operations may be adversely affected by volatile natural and man-made disasters, including (but not limited to) hurricanes, earthquakes, terrorism, civil unrest, geopolitical disputes, military action, fires and explosions, pandemic diseases, and other catastrophes. Such events may impact the availability and capacity of our key personnel and may have a materially adverse effect on our administration of the Contract. See “Non-Principal Risks of Investing in the Contract” in the SAI for additional information. </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="font-weight: bold;">Market Risks. </span>The market values of the Portfolio Companies’ securities and other assets will fluctuate, sometimes sharply and unpredictably, due to changes in general market conditions, overall economic trends or events, governmental actions or interventions. See “Non-Principal Risks of Investing in the Contract” in the SAI for additional information. </div> <div style="font-weight: bold; text-transform: uppercase; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> Benefits under the Contract </div> <div style="text-align: justify; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The following table summarizes information about the benefits available under the Contract: </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">   </div> <table style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.05pt; width: 100%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <tr style="vertical-align: top; height: 1.0pt;"> <td style="padding: 0; width: 50.95pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 6pt; margin-top: 3pt; text-align: center;"> <span style="font-weight: bold;">Name of Benefit</span> </div> </td> <td style="padding: 0; width: 115.25pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 6pt; margin-top: 3pt; text-align: center;"> <span style="font-weight: bold;">Purpose</span> </div> </td> <td style="padding: 0; width: 69.75pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 6pt; margin-top: 3pt; text-align: center;"> <span style="font-weight: bold;">Standard or Optional</span> </div> </td> <td style="padding: 0; width: 66.35pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 6pt; margin-top: 3pt; text-align: center;"> <span style="font-weight: bold;">Maximum Fee</span> </div> </td> <td style="padding: 0; width: 156.4pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 6pt; margin-top: 3pt; text-align: center;"> <span style="font-weight: bold;">Brief Description of Restrictions/Limitations</span> </div> </td> </tr> <tr style="vertical-align: top; height: 1.0pt;"> <td style="padding: 0; width: 50.95pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 6pt;"> <span style="font-weight: bold;">Death Benefit</span> </div> </td> <td style="padding: 0; width: 115.25pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 6pt;"> Provides a death benefit to the beneficiary. </div> </td> <td style="padding: 0; width: 69.75pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 6pt;"> Standard </div> </td> <td style="padding: 0; width: 66.35pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 6pt;"> No Charge </div> </td> <td style="padding: 0; width: 156.4pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 6pt; margin-left: 0.55pt;"> Only payable if the Participant dies before the Annuity Purchase Date.   </div> </td> </tr> </table> <div style="text-align: justify; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> Example: Assuming that the participant has died and has not yet purchased a fixed annuity, the participant’s beneficiary will receive the full account value once the death claim is submitted. </div> <div style="text-align: justify; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-weight: bold; text-transform: uppercase; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> Death Benefit </div><div style="margin-right: 6.5pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">Under Section 403(b), Section 457, and 408(IRA) Contracts, if a Participant dies before the </span><a href="#AnnuityPurchaseDate">Annuity Purchase Date</a><span style="color: #231F20;">, the value of his/her </span><a href="#Accumulationaccount">Accumulation Account</a><span style="color: #231F20;"> will be paid to the beneficiary in a lump sum or, if the beneficiary is under the age of 75 at the time of the Participant’s death, the beneficiary may elect to have the Accumulation Amount applied to provide a Fixed Annuity. </span> </div><div style="margin-right: 6.5pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">A lump sum payment to some extent may be taxed as ordinary income to the beneficiary in the year received. A beneficiary should consider the possible tax advantages to electing an annuity. Under Section 401(a) and/or Section 401(k) Contracts, however, the underlying tax-qualified Plan is generally required to provide that in the case of a married Participant, a survivorship annuity death benefit will be paid to the surviving spouse if the Participant dies prior to retirement. In each case involving Section 401(a) and/or Section 401(k) Contracts, reference must be made to the underlying Plan for additional information.</span> </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">If the Participant dies before the Annuity StartDate, his/her entire interest must generally be distributed as follows: (1) if there is no designated beneficiary (for example, the Participant does not name an individual beneficiary or the beneficiary chosen is the Participant’s estate), then it must be fully distributed by the end of the fifth year following the year of death (and if required distributions began prior to the Participant’s death then the remaining balance also must be distributed at least as rapidly as it was during the Participant’s life), (2) if payable to a designated beneficiary (e.g. an individual), then it must be fully distributed by the end of the tenth year following the year of death, or (3) if payable to an eligible designated beneficiary, then the eligible designated beneficiary may elect to have his/her interest distributed over their life  or over a period not extending beyond their life expectancy, beginning within one year after the date of death.  An eligible designated beneficiary includes the Participant’s surviving spouse or minor child, a disabled individual, a chronically ill individual, or an individual who is not more than 10 years younger than the Participant. Certain trusts created for the exclusive benefit of disabled or chronically ill beneficiaries are included.  The Participant’s minor child must still take remaining distributions within 10 years once they reach the age of majority as defined by the IRS.  If the beneficiary is the Participant’s spouse, distributions are not required to be made until the date that would have been the decedent’s Required Beginning Date.. If the spouse dies before distributions begin, the rules discussed above will apply as if the spouse were the Participant (owner).</span> </div> <div style="margin-right: 8.15pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="margin-right: 8.15pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">If a lump sum payment is elected, the </span><a href="#Accumulationaccount">Accumulation Account</a><span style="color: #231F20;"> value will be determined on the </span><a href="#ValuationDate">Valuation Date</a><span style="color: #231F20;"> for the </span><a href="#ValuationPeriod">Valuation Period</a><span style="color: #231F20;"> in which a certified copy of the death certificate evidencing the Participant’s death is received by TFLIC. If the beneficiary is under age 75 at the time of the Participant’s death and elects a Fixed Annuity, the Accumulation Account value will be determined on the Valuation Date for the Valuation Period of the beneficiary’s Annuity Purchase Date. For Section 401(a) and/or Section 401(k) and NQDC Contracts, the underlying Plan should be consulted to determine the options available.</span> </div> <div style="margin-right: 17.3pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="margin-right: 17.3pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">For NQDC Contracts, the remaining value will be paid to a designated beneficiary. If no such beneficiary is so designated or in existence, subject to the terms of any underlying Plan the remaining value will be paid in the following order: Participant’s (1) spouse, (2) children, (3) parents, (4) siblings and (5) estate.</span> </div> <div style="margin-right: 12.3pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="margin-right: 12.3pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">For all Contracts except NQDC Contracts, the death benefit is guaranteed to be not less than the total amount of all contributions, less any withdrawals, made by the Participant.</span> </div> <div style="font-weight: bold; text-transform: uppercase; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-weight: bold; text-transform: uppercase; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> Credit of Purchase Payments </div> <div style="margin-right: 5.65pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="margin-right: 5.65pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> A Participant’s initial Purchase Payment will be credited to the Participant’s Accumulation Account to provide <span style="color: #231F20;">Units as of a Valuation Date for the Valuation Period, not later than (2) two business days after receipt of the Purchase Payment by TFLIC at 440 Mamaroneck Avenue, Harrison, New York 10528, if the contract application and/or Participant’s enrollment form is complete upon receipt, or (2) two business days after an application and/ or enrollment form which is incomplete upon receipt by TFLIC is made complete, provided that if such information is not made complete within five business days after receipt, (i) the prospective Participant will be informed of the reasons for the delay, and (ii) the initial Purchase Payment will be returned immediately and in full, unless the prospective Participant specifically consents to TFLIC retaining the Purchase Payment until such information is made complete. Subsequent Purchase Payments will be credited to the Participant’s Accumulation Account to provide Units as of the Valuation Date for the Valuation Period in which the Purchase Payment is received in good order by TFLIC.</span> </div> <table style="border-spacing: 0px; border-collapse: collapse; margin-left: 0.05pt; width: 100%; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <tr style="vertical-align: top; height: 1.0pt;"> <td style="padding: 0; width: 50.95pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 6pt; margin-top: 3pt; text-align: center;"> <span style="font-weight: bold;">Name of Benefit</span> </div> </td> <td style="padding: 0; width: 115.25pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 6pt; margin-top: 3pt; text-align: center;"> <span style="font-weight: bold;">Purpose</span> </div> </td> <td style="padding: 0; width: 69.75pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 6pt; margin-top: 3pt; text-align: center;"> <span style="font-weight: bold;">Standard or Optional</span> </div> </td> <td style="padding: 0; width: 66.35pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 6pt; margin-top: 3pt; text-align: center;"> <span style="font-weight: bold;">Maximum Fee</span> </div> </td> <td style="padding: 0; width: 156.4pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 6pt; margin-top: 3pt; text-align: center;"> <span style="font-weight: bold;">Brief Description of Restrictions/Limitations</span> </div> </td> </tr> <tr style="vertical-align: top; height: 1.0pt;"> <td style="padding: 0; width: 50.95pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 6pt;"> <span style="font-weight: bold;">Death Benefit</span> </div> </td> <td style="padding: 0; width: 115.25pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 6pt;"> Provides a death benefit to the beneficiary. </div> </td> <td style="padding: 0; width: 69.75pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 6pt;"> Standard </div> </td> <td style="padding: 0; width: 66.35pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 6pt;"> No Charge </div> </td> <td style="padding: 0; width: 156.4pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 6pt; margin-left: 0.55pt;"> Only payable if the Participant dies before the Annuity Purchase Date.   </div> </td> </tr> </table> <span style="font-weight: bold;">Death Benefit</span> Provides a death benefit to the beneficiary. true 0 Only payable if the Participant dies before the Annuity Purchase Date. <div style="font-weight: bold; text-transform: uppercase; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> Death Benefit </div><div style="margin-right: 6.5pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">Under Section 403(b), Section 457, and 408(IRA) Contracts, if a Participant dies before the </span><a href="#AnnuityPurchaseDate">Annuity Purchase Date</a><span style="color: #231F20;">, the value of his/her </span><a href="#Accumulationaccount">Accumulation Account</a><span style="color: #231F20;"> will be paid to the beneficiary in a lump sum or, if the beneficiary is under the age of 75 at the time of the Participant’s death, the beneficiary may elect to have the Accumulation Amount applied to provide a Fixed Annuity. </span> </div><div style="margin-right: 6.5pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">A lump sum payment to some extent may be taxed as ordinary income to the beneficiary in the year received. A beneficiary should consider the possible tax advantages to electing an annuity. Under Section 401(a) and/or Section 401(k) Contracts, however, the underlying tax-qualified Plan is generally required to provide that in the case of a married Participant, a survivorship annuity death benefit will be paid to the surviving spouse if the Participant dies prior to retirement. In each case involving Section 401(a) and/or Section 401(k) Contracts, reference must be made to the underlying Plan for additional information.</span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">If the Participant dies before the Annuity StartDate, his/her entire interest must generally be distributed as follows: (1) if there is no designated beneficiary (for example, the Participant does not name an individual beneficiary or the beneficiary chosen is the Participant’s estate), then it must be fully distributed by the end of the fifth year following the year of death (and if required distributions began prior to the Participant’s death then the remaining balance also must be distributed at least as rapidly as it was during the Participant’s life), (2) if payable to a designated beneficiary (e.g. an individual), then it must be fully distributed by the end of the tenth year following the year of death, or (3) if payable to an eligible designated beneficiary, then the eligible designated beneficiary may elect to have his/her interest distributed over their life  or over a period not extending beyond their life expectancy, beginning within one year after the date of death.  An eligible designated beneficiary includes the Participant’s surviving spouse or minor child, a disabled individual, a chronically ill individual, or an individual who is not more than 10 years younger than the Participant. Certain trusts created for the exclusive benefit of disabled or chronically ill beneficiaries are included.  The Participant’s minor child must still take remaining distributions within 10 years once they reach the age of majority as defined by the IRS.  If the beneficiary is the Participant’s spouse, distributions are not required to be made until the date that would have been the decedent’s Required Beginning Date.. If the spouse dies before distributions begin, the rules discussed above will apply as if the spouse were the Participant (owner).</span> </div><div style="margin-right: 8.15pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">If a lump sum payment is elected, the </span><a href="#Accumulationaccount">Accumulation Account</a><span style="color: #231F20;"> value will be determined on the </span><a href="#ValuationDate">Valuation Date</a><span style="color: #231F20;"> for the </span><a href="#ValuationPeriod">Valuation Period</a><span style="color: #231F20;"> in which a certified copy of the death certificate evidencing the Participant’s death is received by TFLIC. If the beneficiary is under age 75 at the time of the Participant’s death and elects a Fixed Annuity, the Accumulation Account value will be determined on the Valuation Date for the Valuation Period of the beneficiary’s Annuity Purchase Date. For Section 401(a) and/or Section 401(k) and NQDC Contracts, the underlying Plan should be consulted to determine the options available.</span> </div><div style="margin-right: 17.3pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">For NQDC Contracts, the remaining value will be paid to a designated beneficiary. If no such beneficiary is so designated or in existence, subject to the terms of any underlying Plan the remaining value will be paid in the following order: Participant’s (1) spouse, (2) children, (3) parents, (4) siblings and (5) estate.</span> </div><div style="margin-right: 12.3pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #231F20;">For all Contracts except NQDC Contracts, the death benefit is guaranteed to be not less than the total amount of all contributions, less any withdrawals, made by the Participant.</span> </div><div style="font-weight: bold; text-transform: uppercase; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> Credit of Purchase Payments </div><div style="margin-right: 5.65pt; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> A Participant’s initial Purchase Payment will be credited to the Participant’s Accumulation Account to provide <span style="color: #231F20;">Units as of a Valuation Date for the Valuation Period, not later than (2) two business days after receipt of the Purchase Payment by TFLIC at 440 Mamaroneck Avenue, Harrison, New York 10528, if the contract application and/or Participant’s enrollment form is complete upon receipt, or (2) two business days after an application and/ or enrollment form which is incomplete upon receipt by TFLIC is made complete, provided that if such information is not made complete within five business days after receipt, (i) the prospective Participant will be informed of the reasons for the delay, and (ii) the initial Purchase Payment will be returned immediately and in full, unless the prospective Participant specifically consents to TFLIC retaining the Purchase Payment until such information is made complete. Subsequent Purchase Payments will be credited to the Participant’s Accumulation Account to provide Units as of the Valuation Date for the Valuation Period in which the Purchase Payment is received in good order by TFLIC.</span> </div> <div style="font-weight: bold; text-transform: uppercase; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> <span style="color: #000000;">Appendix- Investment Options Available Under the Contract</span> </div> <div style="color: rgb(36, 32, 33); font-weight: bold; text-transform: uppercase; font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The following is a list of current <a href="#Portfoliocompanies">Portfolio Companies</a> available under the Contract which are subject to change as discussed in this prospectus. Depending on the <a href="#Separateaccount">Separate Account</a> of your Contract, you may not be able to invest in certain Portfolio Companies. Not  all investment options listed in this prospectus may be available to you. Please refer to your employer’s plan documents for a list of Portfolio Companies that are available in your plan. </div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="-keep: true"><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> More information about each Portfolio Company is available in its prospectuses. The prospectuses, which may be amended from time to time, can be found online at by accessing your account at www.transamerica.com<span style="color: #0000FF;">.</span> You can also request this<span style="text-transform: uppercase;"> </span>information at no cost by calling our Administrative Office at (800) 755-5801.<span style="text-transform: uppercase;"> </span> </div></div> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <div style="-keep: true"><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The current expenses and performance below reflect fee and expenses of the Portfolio Companies, but do not reflect the other fees<span style="text-transform: uppercase;"> </span>and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance. </div></div> <div> </div><div><span>The availability of investment options may vary depending on the financial intermediary through which the Contract is sold. In </span>some cases, an option not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available, please contact Your financial intermediary or our Administrative Office. See <a href="#tocAnchor56">Appendix -Financial Intermediary Variations</a>.</div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;">  </div> <table cellpadding="0" style="font-size: 11pt; font-family: Calibri, sans-serif; margin-left: -0.45pt; border-collapse: collapse; border: none; border-spacing: 0px; width: 100%;" width="100%"> <tr style="height: 0px; font-size: 0px;"><td style="width: 30%;"> </td><td style="width: 15%;"> </td><td style="width: 15%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td><td style="width: 5%;"> </td><td style="width: 5%;"> </td></tr><tr style="break-inside: avoid;"> <td rowspan="2" style="border: 1pt solid windowtext; background: rgb(242, 242, 242); padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><b style="mso-bidi-font-weight:normal">Investment<span style="mso-font-width:85%"> </span>Objective</b></div> </td> <td colspan="2" rowspan="2" style="border-top: 1pt solid windowtext; border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-image: initial; border-left: none; background: rgb(242, 242, 242); padding: 0in 5.4pt; white-space: nowrap; text-align: center;"> <div style="margin: 0in; font-size: 10pt; font-family: &quot;Times New Roman&quot;, serif;"><b style="mso-bidi-font-weight:normal">Underlying<span style="mso-font-width: 85%"> </span>Fund<span style="mso-font-width:85%"> </span>Company and</b></div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><b style="mso-bidi-font-weight:normal">Adviser/Sub-adviser</b></div> </td> <td rowspan="2" style="border-top: 1pt solid windowtext; border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-image: initial; border-left: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center;tab-stops:38.8pt"><b style="mso-bidi-font-weight:normal">Current<br/> <span style="mso-font-width:85%"><span style="mso-spacerun:yes"> </span></span>Expenses</b></div> </td> <td colspan="4" style="border-top: 1pt solid windowtext; border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-image: initial; border-left: none; background: rgb(242, 242, 242); padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><b style="mso-bidi-font-weight:normal">Average Annual Total Returns <br/> (as of 12/31/25)</b></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; background: rgb(242, 242, 242); padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center;tab-stops:38.8pt"><b style="mso-bidi-font-weight:normal">1<span style="mso-font-width:85%"> </span>year</b></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; background: rgb(242, 242, 242); padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><b style="mso-bidi-font-weight:normal">5<span style="mso-font-width:85%"> </span>years</b></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; background: rgb(242, 242, 242); padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><b style="mso-bidi-font-weight:normal">10<span style="mso-font-width:85%"> </span>years</b></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks to provide a high total investment return.</div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Transamerica Balanced II-Class I3⁴<br/> <i>Sub-Adviser: </i>Aegon USA Investment Management, LLC</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">0.62%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">12.01%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">7.51%</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">8.65%</span></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks to achieve maximum total return.</div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Transamerica Core Bond-Class I3²</div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><i>Sub-Adviser: </i>Aegon USA Investment Management, LLC</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">0.42%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">5.91%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">-1.31%</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">1.10%</span></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks as high a level of current income as is consistent with preservation of capital and liquidity.</div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Transamerica Government Money Market*-Class I3¹</div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><i>Sub-Adviser: </i>BlackRock Investment Management, LLC</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center;tab-stops:38.8pt"><span style="mso-bidi-font-size:10.0pt">0.33%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center;tab-stops:38.8pt"><span style="mso-bidi-font-size:10.0pt">2.84%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">2.21%</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">1.24%</span></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks a high level of current income by investing in high-yield debt securities.</div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Transamerica High Yield Bond-Class I3³</div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><i>Sub-Adviser: </i>Aegon USA Investment Management, LLC</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">0.61%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">7.50%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">2.92%</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">4.63%</span></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks maximum real return, consistent with appreciation of capital.</div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bidi-font-size:10.0pt">Transamerica Inflation Opportunities-Class I3⁹</span></div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><i><span style="mso-bidi-font-size:10.0pt">Sub-Adviser: </span></i><span style="mso-bidi-font-size:10.0pt">PineBridge Investments LLC</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">0.52%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">5.03%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">N/A</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">N/A</span></div> </td> </tr> </table><table cellpadding="0" style="border-collapse: collapse; width: 100%; border-spacing: 0px;" width="1682"> <tr style="height: 0px; font-size: 0px;"><td style="width: 30%;"> </td><td style="width: 30%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td></tr><tr> <td style="font-size: 10pt; vertical-align: middle; border: 0.5pt solid windowtext; background: rgb(242, 242, 242);"> <div style="margin-right:0in">Seeks maximum long-term total return consistent with reasonable risk to principal, by investing in a diversified portfolio of common stocks of primarily non-U.S. issuers.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-top: 0.5pt solid windowtext; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-left: none;"> <div style="margin-right:0in">Transamerica International Equity-Class I3^{8<br/> Sub-Adviser: Thompson, Siegel &amp; Walmsley LLC}<br/> </div> </td> <td style="font-size: 10pt; border-top: 0.5pt solid windowtext; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.76%</div> </td> <td style="font-size: 10pt; border-top: 0.5pt solid windowtext; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">31.21%</div> </td> <td style="font-size: 10pt; border-top: 0.5pt solid windowtext; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">8.04%</div> </td> <td style="font-size: 10pt; border-top: 0.5pt solid windowtext; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">6.67%</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks to provide capital appreciation.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Large Core ESG-Class I3^6<br/><span style="font-style: italic;">Sub-Adviser: </span>PineBridge Investments LLC</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.54%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">16.43%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">13.25%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">12.44%</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks to maximize long-term growth.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Large Growth-Class I3⁷<br/> Sub-Adviser: Morgan Stanley Investment Management Inc. and Wellington Management Company LLP</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.71%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">17.81%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">5.77%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">14.62%</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks to provide long-term capital appreciation.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Large Value Opportunities-Class I3⁵<br/> Sub-Adviser: PineBridge Investments LLC</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.50%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">8.58%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">10.66%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">8.31%</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks a high level of income consistent with minimal fluctuation in principal value and liquidity.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Short Term Bond-Class I3¹⁰<br/> Sub-Adviser: Aegon USA Investment Management, LLC and J.P. Morgan Investment Management Inc.</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.42%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">4.57%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">N/A</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">N/A</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks long-term capital appreciation.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Small Cap Growth-Class I3¹¹<br/> Sub-Adviser: Ranger Investment Management, LP</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">1.00%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">-3.81%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">-0.90%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">N/A</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks long-term capital appreciation.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Small Cap Value-Class I3¹¹<br/> Sub-Adviser: Systematic Financial Management, L.P</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.89%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">8.36%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">7.22%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">N/A</div> </td> </tr> </table><table cellpadding="0" style="font-size: 11pt; font-family: Calibri, sans-serif; margin-left: -0.45pt; border-collapse: collapse; border: none; border-spacing: 0px; width: 100%;" width="100%"> <tr style="height: 0px; font-size: 0px;"><td style="width: 15%;"> </td><td style="width: 15%;"> </td><td style="width: 30%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td><td style="width: 5%;"> </td><td style="width: 5%;"> </td><td style="width: 10%;"> </td></tr><tr style="break-inside: avoid;"> <td colspan="2" style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds, and money market instruments which offer income and capital growth opportunity.</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Calvert VP SRI Balanced Portfolio-Class I</div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><i>Adviser:</i> Calvert Research and Management</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">0.65%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">10.26%</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">7.50%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">8.68%</span></div> </td> </tr> </table><table cellpadding="0" style="text-autospace:none; font-size:11.0pt; font-family:&quot;Calibri&quot;,sans-serif; margin-left:-.45pt;border-collapse:collapse;mso-table-layout-alt:fixed; border:none;mso-border-alt:solid windowtext .5pt;mso-yfti-tbllook:1184; mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-border-insideh:.5pt solid windowtext; mso-border-insidev:.5pt solid windowtext; border-spacing: 0px;" width="100%"> <tr style="mso-yfti-irow:15;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border: solid windowtext 1.0pt;border-top:none;mso-border-top-alt:solid windowtext .5pt; mso-border-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height: 1.0pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">*Government Money Market:</span></span></div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">The 7-Day Yield was 2.30% as of December 31, 2025</span></span></div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">The 7-Day Effective Yield was 2.32% as of December 31, 2025</span></span></div> </td> </tr> <tr style="mso-yfti-irow:16;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(1) Total returns calculated for any period for the Government Money Market reflect the performance of the Transamerica Partners Government Money Market Portfolio prior to October 13, 2017 and the performance of the Transamerica Government Money Market Fund thereafter.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:17;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(2) Effective November 1, 2022, Transamerica Intermediate Bond was renamed Transamerica Core Bond Total returns calculated for any period for the Intermediate Bond reflect the performance of the Transamerica Partners<span style="mso-bidi-font-size:10.0pt"> Institutional<span style="mso-spacerun:yes">  </span>Core Bond Portfolio prior to March 24, 2017 and the performance of the Transamerica Intermediate Bond Fund thereafter. </span></span></span></div> </td> </tr> <tr style="mso-yfti-irow:18;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(3) Total returns calculated for any period for the High Yield Bond reflect the performance of the Transamerica Partners High Yield Bond Portfolio prior to March 24, 2017 and the performance of the Transamerica High Yield Bond Fund thereafter.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:19;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(4) Total returns calculated for any period for the Balanced II reflect the performance of the Transamerica Partners Balanced Portfolio prior to September 15, 2017 and the performance of the Transamerica Balanced II Fund thereafter.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:20;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(5) Total returns calculated for any period for the Large Value Opportunities reflect the performance of the Transamerica Partners<span style="mso-bidi-font-size:10.0pt"> Institutional Large Value Portfolio prior to May 5, 2017 and the performance of the Transamerica Large Value Opportunities thereafter.</span></span></span></div> </td> </tr> <tr style="mso-yfti-irow:21;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(6) Effective March 1, 2023, Transamerica Large Core was renamed Transamerica Large Core ESG and the fund’s investment strategy was revised to include an ESG overlay. Total returns calculated for the period from March 10, 2017 to February 28, 2023 reflect the performance of the Transamerica Large Core. Total returns calculated for periods prior to March 17, 2017 reflect the performance of the Transamerica Partners Institutional Large Core Portfolio.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:22;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(7) Total returns calculated for any period for the Large Growth reflect the performance of the Transamerica Partners Institutional Large Growth Portfolio prior to March 10, 2017 and the performance of the Transamerica Large Growth Fund thereafter.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:23;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(8) Total returns calculated for any period for the International Equity reflect the performance of the Transamerica Partners International Equity Portfolio prior to March 10, 2017 and the performance of the Transamerica International Equity Fund thereafter.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:24;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(9) Transamerica Inflation Opportunities was added<span style="mso-spacerun:yes">  </span>effective October 27, 2023 and as of December 31, 2025 does not have five or ten year annualized total returns.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:25;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(10) Transamerica Short Term Bond was added effective December 12, 2022 and as of December 31, 2025, does not have five or ten year annualized total returns.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:26;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:justify"><span style="mso-bookmark: _Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(11) Small Cap Growth and Small Cap Value were added effective July 31, 2020, and as of<span style="mso-spacerun:yes">  </span>December 31, 2025, do not have ten year annualized total returns.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:27;mso-yfti-lastrow:yes;page-break-inside:avoid; height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086"><span style="mso-bookmark:_Hlk92458725">Note: All Transamerica Fund underlying fund portfolios are advised by Transamerica Asset Management. The entities listed are the sub-advisers unless otherwise indicated.</span></span></span></div> </td> </tr> </table> <div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The following is a list of current <a href="#Portfoliocompanies">Portfolio Companies</a> available under the Contract which are subject to change as discussed in this prospectus. Depending on the <a href="#Separateaccount">Separate Account</a> of your Contract, you may not be able to invest in certain Portfolio Companies. Not  all investment options listed in this prospectus may be available to you. Please refer to your employer’s plan documents for a list of Portfolio Companies that are available in your plan. </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> More information about each Portfolio Company is available in its prospectuses. The prospectuses, which may be amended from time to time, can be found online at by accessing your account at www.transamerica.com<span style="color: #0000FF;">.</span> You can also request this<span style="text-transform: uppercase;"> </span>information at no cost by calling our Administrative Office at (800) 755-5801.<span style="text-transform: uppercase;"> </span> </div><div style="font-family: TimesNewRoman, &quot;Times New Roman&quot;, Times, Baskerville, Georgia, serif; font-size: 10pt;"> The current expenses and performance below reflect fee and expenses of the Portfolio Companies, but do not reflect the other fees<span style="text-transform: uppercase;"> </span>and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance. </div><div><span>The availability of investment options may vary depending on the financial intermediary through which the Contract is sold. In </span>some cases, an option not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available, please contact Your financial intermediary or our Administrative Office. See <a href="#tocAnchor56">Appendix -Financial Intermediary Variations</a>.</div> <table cellpadding="0" style="font-size: 11pt; font-family: Calibri, sans-serif; margin-left: -0.45pt; border-collapse: collapse; border: none; border-spacing: 0px; width: 100%;" width="100%"> <tr style="height: 0px; font-size: 0px;"><td style="width: 30%;"> </td><td style="width: 15%;"> </td><td style="width: 15%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td><td style="width: 5%;"> </td><td style="width: 5%;"> </td></tr><tr style="break-inside: avoid;"> <td rowspan="2" style="border: 1pt solid windowtext; background: rgb(242, 242, 242); padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><b style="mso-bidi-font-weight:normal">Investment<span style="mso-font-width:85%"> </span>Objective</b></div> </td> <td colspan="2" rowspan="2" style="border-top: 1pt solid windowtext; border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-image: initial; border-left: none; background: rgb(242, 242, 242); padding: 0in 5.4pt; white-space: nowrap; text-align: center;"> <div style="margin: 0in; font-size: 10pt; font-family: &quot;Times New Roman&quot;, serif;"><b style="mso-bidi-font-weight:normal">Underlying<span style="mso-font-width: 85%"> </span>Fund<span style="mso-font-width:85%"> </span>Company and</b></div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><b style="mso-bidi-font-weight:normal">Adviser/Sub-adviser</b></div> </td> <td rowspan="2" style="border-top: 1pt solid windowtext; border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-image: initial; border-left: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center;tab-stops:38.8pt"><b style="mso-bidi-font-weight:normal">Current<br/> <span style="mso-font-width:85%"><span style="mso-spacerun:yes"> </span></span>Expenses</b></div> </td> <td colspan="4" style="border-top: 1pt solid windowtext; border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-image: initial; border-left: none; background: rgb(242, 242, 242); padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><b style="mso-bidi-font-weight:normal">Average Annual Total Returns <br/> (as of 12/31/25)</b></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; background: rgb(242, 242, 242); padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center;tab-stops:38.8pt"><b style="mso-bidi-font-weight:normal">1<span style="mso-font-width:85%"> </span>year</b></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; background: rgb(242, 242, 242); padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><b style="mso-bidi-font-weight:normal">5<span style="mso-font-width:85%"> </span>years</b></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; background: rgb(242, 242, 242); padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><b style="mso-bidi-font-weight:normal">10<span style="mso-font-width:85%"> </span>years</b></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks to provide a high total investment return.</div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Transamerica Balanced II-Class I3⁴<br/> <i>Sub-Adviser: </i>Aegon USA Investment Management, LLC</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">0.62%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">12.01%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">7.51%</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">8.65%</span></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks to achieve maximum total return.</div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Transamerica Core Bond-Class I3²</div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><i>Sub-Adviser: </i>Aegon USA Investment Management, LLC</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">0.42%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">5.91%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">-1.31%</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">1.10%</span></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks as high a level of current income as is consistent with preservation of capital and liquidity.</div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Transamerica Government Money Market*-Class I3¹</div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><i>Sub-Adviser: </i>BlackRock Investment Management, LLC</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center;tab-stops:38.8pt"><span style="mso-bidi-font-size:10.0pt">0.33%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center;tab-stops:38.8pt"><span style="mso-bidi-font-size:10.0pt">2.84%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">2.21%</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">1.24%</span></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks a high level of current income by investing in high-yield debt securities.</div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Transamerica High Yield Bond-Class I3³</div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><i>Sub-Adviser: </i>Aegon USA Investment Management, LLC</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">0.61%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">7.50%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">2.92%</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">4.63%</span></div> </td> </tr> <tr style="break-inside: avoid;"> <td style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks maximum real return, consistent with appreciation of capital.</div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bidi-font-size:10.0pt">Transamerica Inflation Opportunities-Class I3⁹</span></div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><i><span style="mso-bidi-font-size:10.0pt">Sub-Adviser: </span></i><span style="mso-bidi-font-size:10.0pt">PineBridge Investments LLC</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">0.52%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">5.03%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">N/A</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">N/A</span></div> </td> </tr> </table><table cellpadding="0" style="border-collapse: collapse; width: 100%; border-spacing: 0px;" width="1682"> <tr style="height: 0px; font-size: 0px;"><td style="width: 30%;"> </td><td style="width: 30%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td></tr><tr> <td style="font-size: 10pt; vertical-align: middle; border: 0.5pt solid windowtext; background: rgb(242, 242, 242);"> <div style="margin-right:0in">Seeks maximum long-term total return consistent with reasonable risk to principal, by investing in a diversified portfolio of common stocks of primarily non-U.S. issuers.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-top: 0.5pt solid windowtext; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-left: none;"> <div style="margin-right:0in">Transamerica International Equity-Class I3^{8<br/> Sub-Adviser: Thompson, Siegel &amp; Walmsley LLC}<br/> </div> </td> <td style="font-size: 10pt; border-top: 0.5pt solid windowtext; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.76%</div> </td> <td style="font-size: 10pt; border-top: 0.5pt solid windowtext; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">31.21%</div> </td> <td style="font-size: 10pt; border-top: 0.5pt solid windowtext; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">8.04%</div> </td> <td style="font-size: 10pt; border-top: 0.5pt solid windowtext; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">6.67%</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks to provide capital appreciation.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Large Core ESG-Class I3^6<br/><span style="font-style: italic;">Sub-Adviser: </span>PineBridge Investments LLC</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.54%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">16.43%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">13.25%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">12.44%</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks to maximize long-term growth.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Large Growth-Class I3⁷<br/> Sub-Adviser: Morgan Stanley Investment Management Inc. and Wellington Management Company LLP</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.71%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">17.81%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">5.77%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">14.62%</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks to provide long-term capital appreciation.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Large Value Opportunities-Class I3⁵<br/> Sub-Adviser: PineBridge Investments LLC</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.50%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">8.58%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">10.66%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">8.31%</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks a high level of income consistent with minimal fluctuation in principal value and liquidity.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Short Term Bond-Class I3¹⁰<br/> Sub-Adviser: Aegon USA Investment Management, LLC and J.P. Morgan Investment Management Inc.</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.42%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">4.57%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">N/A</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">N/A</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks long-term capital appreciation.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Small Cap Growth-Class I3¹¹<br/> Sub-Adviser: Ranger Investment Management, LP</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">1.00%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">-3.81%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">-0.90%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">N/A</div> </td> </tr> <tr> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-left: 0.5pt solid windowtext; border-image: initial; background: rgb(242, 242, 242); border-top: none;"> <div style="margin-right:0in">Seeks long-term capital appreciation.</div> </td> <td style="font-size: 10pt; vertical-align: middle; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none;"> <div style="margin-right:0in">Transamerica Small Cap Value-Class I3¹¹<br/> Sub-Adviser: Systematic Financial Management, L.P</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">0.89%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">8.36%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">7.22%</div> </td> <td style="font-size: 10pt; border-right: 0.5pt solid windowtext; border-bottom: 0.5pt solid windowtext; border-image: initial; border-top: none; border-left: none; vertical-align: top; text-align: right;"> <div style="margin-right:0in">N/A</div> </td> </tr> </table><table cellpadding="0" style="font-size: 11pt; font-family: Calibri, sans-serif; margin-left: -0.45pt; border-collapse: collapse; border: none; border-spacing: 0px; width: 100%;" width="100%"> <tr style="height: 0px; font-size: 0px;"><td style="width: 15%;"> </td><td style="width: 15%;"> </td><td style="width: 30%;"> </td><td style="width: 10%;"> </td><td style="width: 10%;"> </td><td style="width: 5%;"> </td><td style="width: 5%;"> </td><td style="width: 10%;"> </td></tr><tr style="break-inside: avoid;"> <td colspan="2" style="border-right: 1pt solid windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-image: initial; border-top: none; background: rgb(242, 242, 242); padding: 0in 5.4pt;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds, and money market instruments which offer income and capital growth opportunity.</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; ">Calvert VP SRI Balanced Portfolio-Class I</div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><i>Adviser:</i> Calvert Research and Management</div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">0.65%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">10.26%</span></div> </td> <td colspan="2" style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">7.50%</span></div> </td> <td style="border-top: none; border-left: none; border-bottom: 1pt solid windowtext; border-right: 1pt solid windowtext; padding: 0in 5.4pt; white-space: nowrap;"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:center"><span style="mso-bidi-font-size:10.0pt">8.68%</span></div> </td> </tr> </table><table cellpadding="0" style="text-autospace:none; font-size:11.0pt; font-family:&quot;Calibri&quot;,sans-serif; margin-left:-.45pt;border-collapse:collapse;mso-table-layout-alt:fixed; border:none;mso-border-alt:solid windowtext .5pt;mso-yfti-tbllook:1184; mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-border-insideh:.5pt solid windowtext; mso-border-insidev:.5pt solid windowtext; border-spacing: 0px;" width="100%"> <tr style="mso-yfti-irow:15;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border: solid windowtext 1.0pt;border-top:none;mso-border-top-alt:solid windowtext .5pt; mso-border-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height: 1.0pt; white-space: nowrap;" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">*Government Money Market:</span></span></div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">The 7-Day Yield was 2.30% as of December 31, 2025</span></span></div> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">The 7-Day Effective Yield was 2.32% as of December 31, 2025</span></span></div> </td> </tr> <tr style="mso-yfti-irow:16;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(1) Total returns calculated for any period for the Government Money Market reflect the performance of the Transamerica Partners Government Money Market Portfolio prior to October 13, 2017 and the performance of the Transamerica Government Money Market Fund thereafter.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:17;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(2) Effective November 1, 2022, Transamerica Intermediate Bond was renamed Transamerica Core Bond Total returns calculated for any period for the Intermediate Bond reflect the performance of the Transamerica Partners<span style="mso-bidi-font-size:10.0pt"> Institutional<span style="mso-spacerun:yes">  </span>Core Bond Portfolio prior to March 24, 2017 and the performance of the Transamerica Intermediate Bond Fund thereafter. </span></span></span></div> </td> </tr> <tr style="mso-yfti-irow:18;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(3) Total returns calculated for any period for the High Yield Bond reflect the performance of the Transamerica Partners High Yield Bond Portfolio prior to March 24, 2017 and the performance of the Transamerica High Yield Bond Fund thereafter.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:19;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(4) Total returns calculated for any period for the Balanced II reflect the performance of the Transamerica Partners Balanced Portfolio prior to September 15, 2017 and the performance of the Transamerica Balanced II Fund thereafter.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:20;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(5) Total returns calculated for any period for the Large Value Opportunities reflect the performance of the Transamerica Partners<span style="mso-bidi-font-size:10.0pt"> Institutional Large Value Portfolio prior to May 5, 2017 and the performance of the Transamerica Large Value Opportunities thereafter.</span></span></span></div> </td> </tr> <tr style="mso-yfti-irow:21;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(6) Effective March 1, 2023, Transamerica Large Core was renamed Transamerica Large Core ESG and the fund’s investment strategy was revised to include an ESG overlay. Total returns calculated for the period from March 10, 2017 to February 28, 2023 reflect the performance of the Transamerica Large Core. Total returns calculated for periods prior to March 17, 2017 reflect the performance of the Transamerica Partners Institutional Large Core Portfolio.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:22;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(7) Total returns calculated for any period for the Large Growth reflect the performance of the Transamerica Partners Institutional Large Growth Portfolio prior to March 10, 2017 and the performance of the Transamerica Large Growth Fund thereafter.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:23;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(8) Total returns calculated for any period for the International Equity reflect the performance of the Transamerica Partners International Equity Portfolio prior to March 10, 2017 and the performance of the Transamerica International Equity Fund thereafter.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:24;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(9) Transamerica Inflation Opportunities was added<span style="mso-spacerun:yes">  </span>effective October 27, 2023 and as of December 31, 2025 does not have five or ten year annualized total returns.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:25;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(10) Transamerica Short Term Bond was added effective December 12, 2022 and as of December 31, 2025, does not have five or ten year annualized total returns.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:26;page-break-inside:avoid;height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; text-align:justify"><span style="mso-bookmark: _Hlk162268622"><span style="mso-bookmark:_Hlk190850086">(11) Small Cap Growth and Small Cap Value were added effective July 31, 2020, and as of<span style="mso-spacerun:yes">  </span>December 31, 2025, do not have ten year annualized total returns.</span></span></div> </td> </tr> <tr style="mso-yfti-irow:27;mso-yfti-lastrow:yes;page-break-inside:avoid; height:1.0pt"> <td colspan="8" style="width:100.0%;border:solid windowtext 1.0pt; border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt: solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:1.0pt" valign="top"> <div style="margin:0in; text-autospace:none; font-size:10.0pt; font-family:&quot;Times New Roman&quot;,serif; "><span style="mso-bookmark:_Hlk162268622"><span style="mso-bookmark:_Hlk190850086"><span style="mso-bookmark:_Hlk92458725">Note: All Transamerica Fund underlying fund portfolios are advised by Transamerica Asset Management. The entities listed are the sub-advisers unless otherwise indicated.</span></span></span></div> </td> </tr> </table> Seeks to provide a high total investment return. Transamerica Balanced II-Class I3 Aegon USA Investment Management, LLC 0.0062 0.1201 0.0751 0.0865 Seeks to achieve maximum total return. Transamerica Core Bond-Class I3 Aegon USA Investment Management, LLC 0.0042 0.0591 -0.0131 0.011 Seeks as high a level of current income as is consistent with preservation of capital and liquidity. Transamerica Government Money Market*-Class I3 BlackRock Investment Management, LLC 0.0033 0.0284 0.0221 0.0124 Seeks a high level of current income by investing in high-yield debt securities. Transamerica High Yield Bond-Class I3 Aegon USA Investment Management, LLC 0.0061 0.075 0.0292 0.0463 Seeks maximum real return, consistent with appreciation of capital. Transamerica Inflation Opportunities-Class I3 <span style="mso-bidi-font-size:10.0pt">PineBridge Investments LLC</span> 0.0052 0.0503 Seeks maximum long-term total return consistent with reasonable risk to principal, by investing in a diversified portfolio of common stocks of primarily non-U.S. issuers. Transamerica International Equity-Class I3 Thompson, Siegel &amp; Walmsley LLC 0.0076 0.3121 0.0804 0.0667 Seeks to provide capital appreciation. Transamerica Large Core ESG-Class I3 PineBridge Investments LLC 0.0054 0.1643 0.1325 0.1244 Seeks to maximize long-term growth. Transamerica Large Growth-Class I3 Morgan Stanley Investment Management Inc. and Wellington Management Company LLP 0.0071 0.1781 0.0577 0.1462 Seeks to provide long-term capital appreciation. Transamerica Large Value Opportunities-Class I3 PineBridge Investments LLC 0.005 0.0858 0.1066 0.0831 Seeks a high level of income consistent with minimal fluctuation in principal value and liquidity. Transamerica Short Term Bond-Class I3 Aegon USA Investment Management, LLC and J.P. Morgan Investment Management Inc. 0.0042 0.0457 Seeks long-term capital appreciation. Transamerica Small Cap Growth-Class I3 Ranger Investment Management, LP 0.01 -0.0381 -0.009 Seeks long-term capital appreciation. Transamerica Small Cap Value-Class I3 Systematic Financial Management, L.P 0.0089 0.0836 0.0722 Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds, and money market instruments which offer income and capital growth opportunity. Calvert VP SRI Balanced Portfolio-Class I Calvert Research and Management 0.0065 0.1026 0.075 0.0868 N-4 0000916943 false As a percentage of Portfolio Company assets. TFLIC does not currently assess an Annual Contract fee. TFLIC currently charges mortality and expense risk fees of 1.10% and reserves the right to charge maximum mortality and expense risk fees of up to 1.25% upon notice. The expenses shown are those incurred for the year ended October 31, 2025, Current or future expenses may be greater or less than those shown.   TFLIC reserves the right to deduct an annual contract charge from a Participant’s Accumulation Account in accordance with the provisions of the Contracts. TFLIC has no present intention to impose such a charge, but it may do so in the future. Total returns calculated for any period for the Balanced II reflect the performance of the Transamerica Partners Balanced Portfolio prior to September 15, 2017 and the performance of the Transamerica Balanced II Fund thereafter. Effective November 1, 2022, Transamerica Intermediate Bond was renamed Transamerica Core Bond Total returns calculated for any period for the Intermediate Bond reflect the performance of the Transamerica Partners Institutional  Core Bond Portfolio prior to March 24, 2017 and the performance of the Transamerica Intermediate Bond Fund thereafter. Government Money Market: The 7-Day Yield was 2.30% as of December 31, 2025The 7-Day Effective Yield was 2.32% as of December 31, 2025 Total returns calculated for any period for the Government Money Market reflect the performance of the Transamerica Partners Government Money Market Portfolio prior to October 13, 2017 and the performance of the Transamerica Government Money Market Fund thereafter. Total returns calculated for any period for the High Yield Bond reflect the performance of the Transamerica Partners High Yield Bond Portfolio prior to March 24, 2017 and the performance of the Transamerica High Yield Bond Fund thereafter. Transamerica Inflation Opportunities was added  effective October 27, 2023 and as of December 31, 2025 does not have five or ten year annualized total returns. Total returns calculated for any period for the International Equity reflect the performance of the Transamerica Partners International Equity Portfolio prior to March 10, 2017 and the performance of the Transamerica International Equity Fund thereafter. Effective March 1, 2023, Transamerica Large Core was renamed Transamerica Large Core ESG and the fund’s investment strategy was revised to include an ESG overlay. Total returns calculated for the period from March 10, 2017 to February 28, 2023 reflect the performance of the Transamerica Large Core. Total returns calculated for periods prior to March 17, 2017 reflect the performance of the Transamerica Partners Institutional Large Core Portfolio. Total returns calculated for any period for the Large Growth reflect the performance of the Transamerica Partners Institutional Large Growth Portfolio prior to March 10, 2017 and the performance of the Transamerica Large Growth Fund thereafter. Total returns calculated for any period for the Large Value Opportunities reflect the performance of the Transamerica Partners Institutional Large Value Portfolio prior to May 5, 2017 and the performance of the Transamerica Large Value Opportunities thereafter. Transamerica Short Term Bond was added effective December 12, 2022 and as of December 31, 2025, does not have five or ten year annualized total returns. Small Cap Growth and Small Cap Value were added effective July 31, 2020, and as of  December 31, 2025, do not have ten year annualized total returns.