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## Overview of Americas 

Aegon Americas comprises Aegon USA, Aegon Canada and the operations in Brazil and Mexico. 

## Aegon USA 

Aegon USA is one of the leading life 1  insurance organizations in the United States and the largest of Aegon’s operating units. Aegon USA administers millions of policies and employs approximately 11,000 people. Many of the Aegon USA companies operate under the Transamerica brand, one of the best known names 2  in the United States insurance business. Aegon USA companies have existed since the mid-19th century. Aegon USA’s main offices are in Cedar Rapids, Iowa, and Baltimore, Maryland, with affiliated companies’ offices located throughout the United States. 

Through these subsidiaries and affiliated companies, Aegon USA provides a wide range of life insurance, pensions, long-term savings and investment products. 

Like other Aegon companies, Aegon USA uses a variety of distribution channels to help customers access its products as best suits their needs. Aegon USA has long-standing relations with banks across the United States, and also distributes products and services through agents, broker-dealers, Registered Representatives, the Internet, and direct and worksite marketing. 

## Aegon Canada 

Based in Toronto, Aegon Canada offers a range of insurance products and financial services, primarily through its Transamerica Life Canada and Canadian Premier Life subsidiaries. At December 31, 2013, Aegon Canada had approximately 657 employees. 

## Aegon Brazil 

In 2009, Aegon acquired a 50% interest in Mongeral Aegon Seguros e Previdência S.A., Brazil’s sixth largest independent (i.e. non-bank affiliated) life insurer. At December 31, 2013, Aegon Brazil had approximately 444 employees. 

## Aegon Mexico 

In 2006, Aegon acquired a 49% interest in Seguros Argos S.A. de C.V., a Mexican life insurance company. At December 31, 2013, Aegon Mexico had approximately 84 employees. In December 2013, Aegon entered into a joint venture with Adminstradora Akaan S.A. de C.V. to create Akaan-Aegon S.A.P.I. de C.V. to explore financial service opportunities. This organization will initially focus on third party asset management. 

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## Organizational structure 

## Aegon USA 

Aegon USA was founded in 1989 when Aegon brought all of its operating companies in the United States under a single financial services holding company, AEGON USA, LLC. Business is conducted through its subsidiaries. The use of the term “Aegon USA” throughout this document refers to the operating subsidiaries in the United States, through which Aegon USA conducts business. Aegon USA has operating licenses in every US state, as well as the District of Columbia, Puerto Rico, the Virgin Islands, and Guam. 

Aegon USA’s primary insurance subsidiaries are: 

■ Transamerica Life Insurance Company; 

■ Transamerica Financial Life Insurance Company; 

■ Transamerica Advisors Life Insurance Company; 

■ Transamerica Advisors Life Insurance Company of New York; 

■ Monumental Life Insurance Company; 

■ Stonebridge Life Insurance Company; 

■ Stonebridge Casualty Insurance Company; 

■ Western Reserve Life Assurance Co. of Ohio. 

Aegon's subsidiary companies in the United States contain three divisions acting through one or more of the Aegon USA life insurance companies: 

■ Life & Protection; 

■ Individual Savings & Retirement; 

■ Employer Solutions & Pensions. 

These divisions, described in further detail below, represent groups of products that are sold through Aegon USA’s operating companies through distribution methods and sales channels. The business structure is designed to enable Aegon USA to manage and improve the efficiency of the organization and operating processes, identify business synergies, and pursue cross-selling opportunities. Coordinated support services complement operations by providing functional support in systems technology, investment management, regulatory compliance, and various corporate functions. Products are also offered and distributed through one or more of the Aegon USA licensed insurance or brokerage subsidiary companies. 

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