Variable annuities are long-term financial products designed for retirement purposes. They offer three main features: tax-deferred treatment of earnings, guaranteed lifetime payment options, and guaranteed death benefit options available prior to annuitization. They contain investment options that are subject to market fluctuation, investment risk and possible loss of principal.

With this rider, you can take advantage of features designed to help you address common retirement concerns like outliving your money, market volatility, and the steep cost of long-term care:

1. Income for life

• Withdrawals when you need them, and guaranteed income for life should your policy value fall to zero.

• Rider withdrawals are calculated by taking a percentage of your Withdrawal Base (WB) each year. The percentage allowed is based on your age when withdrawals begin (see chart below).

Attained Age	Single Life Maximum Annual Withdrawal %*
59-64	4.0%
65-74	5.0%
75+	6.0%

*For the joint life option, the withdrawal percentage will be reduced by 0.5%.

• If the rider is structured as joint life, the withdrawal percentage will be based on the younger of the annuitant or annuitant’s spouse when withdrawals begin.

2. Automatic step-ups based on highest Monthiversary^SM

• Take advantage of potential monthly gains by automatically stepping up your WB annually to equal the highest policy value on your rider Monthiversary^SM.

• Step-ups can occur both before and after you start taking rider withdrawals.

3. Move through age bands

• When you reach a new age band, your withdrawal percentage will increase when an automatic step-up occurs.

4. Compounding 5% growth based on the previous year’s best Monthiversary^SM

• If the year’s best Monthiversary^SM value is lower than the WB accumulated at 5%, you would receive guaranteed 5% growth on your WB.

• If your WB was stepped up based on the Monthiversary^SM value in the previous year, your 5% growth will be based on that amount.

• Guaranteed annual 5% WB growth lasts up to 10 years. Growth does not apply in years when a withdrawal is taken.

5. Income Enhancement benefit

• Double your rider withdrawal percentage to help with long-term care expenses. Restrictions apply. See below for details. The Income Enhancement benefit is optional.

*For the joint life option, Income Enhancement withdrawal percentages are reduced by 1.0%.

The Income Enhancement benefit will double your rider withdrawal percentage if you or your spouse (for joint life) were to be confined in a hospital or nursing facility for 180 of the last 365 days. This benefit may not be added if you, or your spouse (for joint life) are already residing in a facility as defined by the rider. The rider must be in place for one year prior to receiving this benefit. This is not long-term care insurance. Please contact your elder care attorney regarding your particular circumstances. May not be available in all states.

6. Required Minimum Distribution (RMD) friendly

• Take out the annual rider withdrawal amount or your RMD, whichever is greater, and your WB will not be reduced.

• The RMD is calculated for the current rider year using the policy value of the annuity, and not any other tax-qualified investments you may own.

7. Revocability every five years

• You can drop the rider within 30 days after each fifth year rider anniversary.

Retirement Income Choice ^® 1.2 Rider Details

Withdrawal Base. The Withdrawal Base (WB) is equal to the policy value when the rider is added, plus any additional premiums, and less any adjustments for excess withdrawals after the rider is added. If the rider is added in the first policy year, it does not include any premium enhancements, if applicable. The WB is used to determine the rider withdrawal amount and the amount of the rider charge. The WB does not establish or guarantee policy value, surrender value, minimum death benefit, or return for an investment option.

Automatic step-ups. Every year, on the rider anniversary, the WB will be set to equal the greatest of the policy value, the highest rider Monthiversary^SM value, or the WB with the 5% compounded growth, if applicable. When the WB is increased due to the policy value or the highest Monthiversary^SM value, it is called an automatic step-up. Note that automatic step-ups affect the WB only and do not affect policy value or other rider values.

Rider Monthiversary^SM component of automatic step-ups. For each of the 12 months leading up to a rider anniversary, Transamerica will record the policy value on each Monthiversary^SM (e.g., if the policy is purchased on January 15, Transamerica will record the policy value on the 15th of each month). On the rider anniversary date, Transamerica will consider the highest Monthiversary^SM value in the automatic step-up calculation to determine any WB adjustment.

Excess withdrawals. Withdrawals in excess of the maximum percentage allowed under the rider will result in a decrease in the dollar amount of future withdrawals available under the rider. The rider Monthiversary^SM component of automatic step-ups is not considered in rider years when an excess withdrawal has been taken.

Allocation Options and Fees

Work with your financial professional to determine which choice below is right for you. You must choose between Designated Allocation or Open Allocation. You may transfer between allocation options at any time.

Designated Allocation offers:

• Your choice of any combination of designated investments in Groups A, B, or C. See the prospectus for investment options available in these groups.

• Ability to divide assets across multiple groups, with a fee structure based on the amount invested in each group.

• Freedom to transfer among investment options in any of the groups at any time.¹

Designated Allocations	Single or Joint Life Fee
Group A Investments	1.25%
Group B Investments	0.90%
Group C Investments	0.40%

Open Allocation offers:

• Your choice of any investment options available with your policy.

• Ability to divide assets among investment options without limitations, even creating a 100% equity portfolio.

• Freedom to transfer among investment options any time.¹

Open Allocation	Single or Joint Life Fee
Any available investment options	1.10%

¹After 12 transfers in a year, a $10 per transfer fee may apply.

With this option, Transamerica can utilize the Open Allocation Method (OAM), which is part of the insurer’s investment strategy to deliver the guarantees promised under the rider. It permits Transamerica to re-allocate money into the OAM subaccounts (currently only Transamerica ProFund UltraBear VP) if the policy value should drop by a total of generally 3%-5% from the policy value on the rider start date or the policy value on the date of your last OAM transfer, if any. Transamerica will never reallocate more than 20% of the policy value at the time of transfer. As the policy value recovers, Transamerica will move all or a portion of the re-allocated money from the OAM subaccounts back into the chosen subaccounts. Transfers back into the chosen subaccounts may not begin until the policy value increases by a total of generally 2.5%-10% from the policy value since the date of the last OAM transfer. This could potentially limit your ability to fully participate in the market’s growth. However, regardless of market performance, investments in the OAM subaccounts will never exceed 30% of your total policy value.

The Income Enhancement benefit:

• As described above, you can double your rider withdrawal percentage to help with long-term care expenses. Available for an additional fee. May not be available in all states.

Important Details

The rider fee is deducted on each rider quarter in arrears. For Designated Allocation fee calculation purposes, the rider fee will be weighted based on the policy value in each respective group as of the beginning of each rider quarter, and will be adjusted for certain policy activity during the rider quarter. The fees above are the initial fees for the Retirement Income Choice^SM rider, and are an annual percentage of the WB. The rider fee percentages above may increase after the first five rider years with an automatic step-up. You have 30 days after the rider anniversary to reject an automatic step-up, and retain the right to all future automatic step-ups if you reject one. The maximum rider fee allowed is 0.75% higher than the fees shown above.

Before investing, consider the variable annuity's investment objectives, risks, charges, and expenses. Call 1-800-525-6205 for a contract and prospectus containing this information. Read it carefully.

Transamerica variable annuities’ range of fees and charges include 0.60%-1.90% Mortality and Expense Risk fee and Administrative charges (M&E&A), 0%-9% surrender charges, $30-$35 annual fee, and subaccount management fees. A fund facilitation fee of up to 0.30% may apply for certain subaccounts.

The Retirement Income Choice^® 1.2 Rider may require certain investment restrictions to keep it in force depending on the base contract to which it is added. Please refer to the prospectus for further information.

All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.

Important Information

The 5% growth rate applies only to the WB; it does not apply to policy value, optional death benefits, or other optional benefits.

You must wait until the rider year after you turn age 59 to begin withdrawals permitted under the rider. If the rider is purchased prior to age 59, however, the rider fee will still apply. The rider may be added at any time through age 85.

Any withdrawals, including those permitted under the rider, reduce the policy value, death benefits, and other annuity values. Should the annuity’s policy value fall to zero, you will receive payments up to the amount allowed under the rider for life. Withdrawals may be subject to surrender charges. Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. If a withdrawal causes the policy value to reach zero, the rider and policy will terminate.

On the maximum annuity commencement date, the rider terminates. By annuitizing the policy, clients will have the option to receive lifetime payments that are no less than the withdrawals allowed by the rider. Annuitization must generally occur by the annuitant’s age 95.

The maximum rider percentage that can be withdrawn each year is based on the age when withdrawals are first made and may be changed with an upgrade or automatic step-up.

You can manually upgrade the rider within 30 days of each fifth year rider anniversary. If you choose to manually upgrade the rider, the current rider will terminate and a new rider will be issued with its own terms and conditions, including the fee and the growth rate, which may be higher or lower than the current rider. Also, the WB will be reset to equal the current policy value, which may be higher or lower than the current WB amount.

For civil union partners, registered domestic partners, or other similar relationships as recognized by your state, please contact a qualified tax advisor prior to purchasing.

In the state of New Jersey for this rider, the joint life option is not limited to the annuitant’s spouse.

There is no additional tax-deferral benefit derived from placing IRA or other tax-qualified funds into an annuity. Features other than tax-deferral should be considered in the purchase of a qualified annuity.