NOTICE OF PRIVACY POLICY

Information Only - No Response Necessary

Protecting your privacy is very important to us. We want you to understand what information we collect and how we use it. We collect and use "nonpublic personal information" in order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible. We treat nonpublic personal information in accordance with our Privacy Policy.

What Information We Collect and From Whom We Collect It

We may collect nonpublic personal information about you from the following resources:

Information we receive from you on the application or other forms;
Information about your transactions with us, our affiliates, or others; and
Information we receive from non-affiliated third parties, including consumer reporting agencies and other insurance support organizations.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. This information may be collected in person, by mail, fax, or by other electronic means as permitted by law or in accordance with express authorization from you.

What Information We Disclose and to Whom We Disclose It

We do not disclose any nonpublic personal information about you to either our "affiliates" or non-affiliates without your express consent, except as permitted or required by law. We may disclose the nonpublic personal information we collect, as described above, to persons or companies that perform services on our behalf. In addition, we may disclose your name, contact information and information about your transactions with us or our affiliates to other financial institutions with which we have joint marketing agreements. We may also disclose nonpublic personal information about you to credit reporting agencies and other insurance support organizations for use in connection with an insurance transaction or to prevent fraud. Nonpublic personal information about you that we obtain from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons.

"Our affiliates" are companies with which we share common ownership and which offer life and health insurance and pension and savings products.

Your Right to Verify Accuracy of Information We Collect

Keeping your information accurate and up to date is very important to us. You may access and correct nonpublic personal information about you that we collect except for information relating to or in anticipation of a claim or a criminal or civil proceeding.

Our Security Procedures

We restrict access to the nonpublic personal information about you and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you. We maintain physical, electronic, and procedural safeguards to protect the nonpublic personal information about you. Should your relationship with us end, we will maintain and only disclose nonpublic personal information that we have about you in accordance with this Privacy Policy.

Request for More Detailed Information

This Notice is a summary of our Privacy Policy. If you would like more detailed explanation of our information practices, please send your request in writing to us at 4333 Edgewood Road NE, Cedar Rapids, Iowa 52499.

List of companies to which this Notice applies:

Advisor Resources
AEGON/Transamerica Series Trust
AFSG Securities Corporation Member NASD
Transamerica Financial Life Insurance Company (for New York Residents)
Life Investors Insurance Company of America
Monumental Life Insurance Company
Transamerica Capital, Inc.
Transamerica Life Insurance Company
Transamerica Occidental Life Insurance Company
Western Reserve Life Assurance Company of Ohio