Transamerica Financial Advisors LLC

ITEM 5 – FEES AND COMPENSATION

           TFA and IARs receive compensation through several different methods. It is important to us that clients
           understand how both TFA and its IARs are compensated , along with any other costs or fees associated
           with their advisory accounts.

           The fees and costs charged differ among our programs.         Details for each program      are listed below.
           Clients should carefully review the advisory service agreement for the advisory program they select ed .
           It provides greater detail with respect to the fees and costs clients will pay for the selected program .

    With the exception of the Betterment Standard   Service Model accounts .

                      IAR Portion of the
                                                                                                           Annual Advisory              Maximum
                         Total Fee is                                          Other Expenses
                                                  Fees Deducted                                               Fee Account              Total Annual
  Program                Negotiable                                            Charged on the
                                                 from the Account                                             Aggregation                Program
                       between Client                                             Account 2
                                                                                                           Discount Offered                Fees
                           and IAR
                                                   Specific to the                                           Specific to the
                                                                              Dependent on the
   TPMM                                            TPMM (Please                                              TPMM (Please

                               Yes                                             TPMM program                                                  2.75%
 Programs                                        refer to their Form                                       refer to their Form
                                                                                  selected.
                                                    ADV Part 2A).                                             ADV Part 2A).
                                                                             Please refer to the
                                                                             Transamerica ONE
Transamerica                                          Monthly in
                               Yes                                              Brochure for                         Yes                      2.0%
    ONE                                                arrears.
                                                                                additional fee
                                                                                 information.
                                                                             Please refer to the
                                                                                Transamerica
Transamerica                                          Monthly in                                                                             0.65% -
                               Yes                                          ALPHA Brochure for                       Yes
   ALPHA                                               arrears.                                                                              0.95% 4
                                                                                additional fee
                                                                                 information.
                                                                             Please refer to the
                                                      Monthly in            TFA365 Brochure for                                                      5
  TFA365                       Yes                                                                                   Yes                     2.75%
                                                      advance.                  additional fee
                                                                                 information.

       Clients may also incur certain charges imposed by third parties other than TFA and their IAR in connection with investments
   made through client’s account, including, without limitation, the following types of charges which are generally charged by
   mutual f unds and fully disclosed in each fund prospectus: 12(b)        -1 fees, management fees and administrative servicing fees,
   other transaction charges and service fees, and IRA and Qualified Retirement Plan fees. These costs and fees are in addition               to
   the Total Pro gram Fee Client will pay to participate in the Programs noted above.

   Some mutual fund share classes that are available on the platforms charge a distribution fee pursuant to Rule 12(b)                -1 under
   the Investment Company Act of 1940, also known as trails. Clients should carefully review the mutual fund prospectuses
   associated wi th recommendations made by their IAR prior to investing.

   The Model Managers on the Transamerica ONE Wealth Management Platform maintain a practice of purchasing the lowest cost
   mutual fund share class made available through the custodian, Goldman Sachs Custody Solutions, and do not allow for any
   funds that have a 12(b) -1 fee.

   For accounts held at a TPMM, the lowest cost mutual fund share class made available will be purchased. In certain instances,
...

ITEM 7 – TYPES OF CLIENTS

TFA provides investment advisory services to individuals, pensions , profit -sharing plans, trusts, estates,
charitable organizations , corporations and other businesses. Certain programs       available through TFA
have minimum investment amounts based on the prog ram selected . TPMMs have discretion to waive an
account minimum depending on the account program and          clients’ related accounts managed by the
TPMM.

TFA has established certain requirements for opening and maintaining advisory accounts. One of these
requirements is that advisory clients complete an         investor profile. This profile provide s TFA with
information such as name, address, date of birth, and other information used to identify clients . TFA may
use third-party sources to verify and/or update the information provided and may also request to see
a client’s driver’s license or other identifying documents.