imaxx™ Guaranteed Investment Funds - Transamerica Life Canada

Table of Contents continuedHow to invest in imaxxGIFs .............................21How we calculate the value of your investmentin an imaxxGIF ...............................................21Valuation date ............................................21Market value of imaxxGIF Assets ...........................21imaxxGIF classes.........................................21imaxxGIF unit value. ......................................21The value of your investment in an imaxxGIF ..................21Submitting a request for deposit, transfer or withdrawal ................22The effective date of your request ................................22Number of contracts ...........................................22Deposits .....................................................22Scheduled Pre-Authorized Chequing. ..........................23Minimum and maximum deposits .................................23Minimum guaranteed amount ....................................23Deposit sales charge options ....................................23Processing your deposit.........................................23Transfers.....................................................24Transfers to another imaxxGIF(s) ............................24Withdrawals..................................................24Processing a withdrawal. ...................................25Example of a withdrawal ...................................25The Deferred Sales Charge ......................................2610% free withdrawal privilege ...................................26Large total value contracts rule for deposits andfund transfers.................................................26Fundamental changes ..........................................27Fees and expenses.............................................27Management fee..........................................27Operating expenses........................................28Allocating expenses among the classes. .......................28Management Expense Ratio. ................................28Other investor charges and fees. .............................28Termination of Contract .........................................28Compensation of distributors ....................................28imaxx TM Guaranteed Investment Funds (GIFs) ..........29The Investment Options.........................................29What is a Segregated Fund? .....................................29imaxx Guaranteed Investment Funds ..............................29imaxx Guaranteed Investment Portfolios ...........................30Derivatives and their permissible use. .............................30The Risks of Investing in Segregated Funds .........................30Additional investment policies of the imaxxGIFs .....................35Fund earnings ............................................35Fund investments and eligibility for investment by a registered plan .....35Changes to investment objective, policy, and restrictions ..............36Availability of imaxxGIFs ........................................36Other important information .........................37Claims of creditors.............................................37Tax implications ...............................................37Tax status of the imaxxGIFs ....................................38Limitation of Actions ...........................................38Marketing Statement. .................................39Organization and management of the imaxxGIFs....................39Fund Manager ............................................39Portfolio Advisors .........................................39Investment Management of the Funds.........................39Custodian................................................39Auditor..................................................39Other disclosure ..........................................39Transamerica Investment Portfolio TM IIAnnuity Policy ............................................41Transamerica Investment Portfolio TM II RetirementSavings Plan Endorsement...............................59Transamerica Investment Portfolio TM II RetirementIncome Fund Endorsement ...............................63Fund facts ................................................67How to read AN imaxxGIF Fund Facts ......................68Money Market and Fixed IncomeTransamerica Canadian Money Market GIF – imaxxGIF................71Transamerica Canadian Bond GIF – imaxxGIF........................74Transamerica TD Income Advantage GIF – imaxxGIF ..................77Transamerica Canadian Short-Term Bond GIF – imaxxGIF ..............80Canadian BalancedTransamerica Canadian Balanced GIF – imaxxGIF ....................83Transamerica Canadian Fixed Pay GIF – imaxxGIF ....................86Transamerica Fidelity Canadian Balanced GIF – imaxxGIF..............89Transamerica Fidelity Canadian Asset Allocation GIF – imaxxGIF ........92Transamerica TD Dividend Balanced GIP – imaxxGIF..................95Transamerica TD Dividend Income GIF – imaxxGIF ...................98