Introducing the Accelerated Access Solution Optional Living Benefit

Introducing the Accelerated Access Solution® Optional Living Benefit Rider Presented by… California residents should be provided the “California Resident Supplemental Information” flyer on the Accelerated Access Solution (AGLC 108547). Policies issued by American General Life Insurance Company, a member company of AIG AGLC 108525 REV 0616 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Accelerated Access Solution Product Availability Max Accumulator+ Secure Lifetime GUL 3 Value+ Protector 2 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Health Care Statistics You Should Know About 91% of older adults have at least one chronic condition, and 73% have at least two. 1 9 in 10 people who go on long-term care claims do not recover. Only 10% of the market would have what turns out to be a non-permanent condition. 2 4 in 5 people (80%) live in private homes where about 80% of the care is provided by family and friends. 3 1 National Council on Aging: www. ncoa. org/improve-health/center-for-healthy-aging/chronic-disease, 2014 Department of Health and Human Services website: longtermcare. gov/the-basics/who-will-provide-your-care, 2014 3 Congressional Budget Office based on data from Medicare Current Beneficiary Survey, Access to Care files, 2010. 2 U. S. 3 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Health Care Statistics You Should Know $220, 000 for out-of-pocket medical expenses = the healthcare costs throughout retirement for an average 65 -year old couple retiring now 1 73% of respondents to a recent survey say serious health problems are their major worry about living to 1002 1 Fidelity 2 The Benefits Consulting study 6/11/2014 2 Q 11 Sun. America Retirement Re-Set. SM Study conducted by Harris Interactive surveyed a national sample of adults age 55+. 4 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Accelerated Access Solution A life insurance rider that can provide access to income tax-free death benefits while the insured is living to help pay for expenses related to a chronic illness. 1 The funds can be used to help pay for: Adult Daycare Assisted Living Family Care Nursing Home Care Virtually any expense, even those unrelated to the illness 1 Insured must be certified as chronically ill by a Licensed Health Care Practitioner and meet all eligibility requirements. Income tax free amounts are subject to limitations under IRC section 101(g). 5 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Accelerated Access Solution May be Ideal for Consumers: § That know they need long-term life insurance protection § Desire access to funds for potential future chronic care expenses § Have experienced a recent care event with a family member or friend § Living a healthy lifestyle but want options in the event their health deteriorates § Are reluctant to purchase stand-alone Long Term Care insurance 6 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Benefits of Accelerated Access Solution § No waiting period – Benefits are available at the time the policy is issued – Subject to 90 -day elimination period – Condition NO LONGER HAS TO BE PERMANENT § Optionality in payouts – Policy owner selects the monthly payout option that’s best for them – THREE different choices available • 2%; 4%; or per diem § Guaranteed benefits – No increases in rider costs or decreases in benefits paid due to changing market conditions § Waiver of monthly deduction – Policy payments stop for as long as policy owner meets the chronic illness requirement 7 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

More Benefits of Accelerated Access Solution § Flexible options with total benefit amount – select any amount between 50% -100% of the base policy death benefit amount § No receipts required – Benefits paid irrespective of actual costs incurred § Not a “use or lose it” policy – Benefits are paid no matter what…either when the chronic illness requirement is met or via death benefits § Control over how money is spent – Up to the policy holder how the funds are used, not restricted via the policy 8 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Activation of the Accelerated Access Solution To activate the rider, one of the following health impairment criteria must be met: 1. Insured is unable to perform without substantial assistance from another person two of the Activities of Daily Living (ADLs)* Activities of Daily Living: § Bathing § Continence § Dressing § Eating § Toileting § Transferring *Annual re-certification is required. 9 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Activation of the Accelerated Access Solution To activate the rider, one of the following health impairment criteria must be met: 2. Insured requires substantial supervision from threats to health and safety due to a severe cognitive impairment (similar to Alzheimer’s and similar forms of irreversible dementia) that is measured by clinical evidence and standardized tests measuring: – Short-term or long-term memory – Orientation as to people, places or time – Deductive or abstract reasoning When one of the two criteria is met and the 90 day elimination period is satisfied, the monthly benefit payments begin. *Annual re-certification is required. 10 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Accelerated Access Solution Specifications § 101(g) Rider – Chronic Illness, not Long Term Care § No additional agent licensing requirement § COI Charge (rather than an adjustment at time of claim) § Dollar-for-Dollar offset of death benefit during payments § 2 of 6 ADL’s or Cognitive Impairment – No longer required to be permanent § Waiver of Monthly Deductions – Monthly deductions are waived for the entire policy and all company riders as long as the policy owner meets the chronic illness requirements 11 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Accelerated Access Solution Specifications § Issue Ages 18 – 80 § Must be added at policy issue § Benefit Amount Limits (selected at purchase): – Minimum Accelerated Benefit $50, 000 – Maximum Accelerated Benefit $3, 000 § Benefit Percentage Limits (selected at purchase): – Minimum Accelerated Benefit = 50% of DB – Maximum Accelerated Benefit = 100% of DB § Available through Table D § Indemnity, not Reimbursement 12 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Optionality in Payouts The client gets to decide the payout option: § 2% of the Accelerated Access Solution benefit per month, or § 4% of the Accelerated Access Solution benefit per month, or § The government-regulated maximum Per Diem amount in effect at the time the client claims benefits – 2016 Per Diem Maximum $340 per day ($10, 341 per month) – Per Diem is indexed for inflation § If the 2% or 4% options generate a monthly benefit in excess of the Per Diem in effect at the time of claim, the monthly benefit paid will not exceed the maximum Per Diem at the time of claim 13 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Accelerated Access Solution How It Works… § The Terminal Illness Rider 1 must always be selected (no charge) § The monthly cost of the A. A. S. rider will vary based on: – – The accelerated benefit amount option chosen Issue age Gender Underwriting class § Once the insured meets the health impairment criteria: – Premium requirements stop – The death benefit is reduced by the benefit amount paid to the policy owner, dollar-for-dollar – Benefits received are generally income-tax free 2 – Remaining death benefit is paid to the beneficiaries income-tax free 1 Terminal Illness Rider requires diagnosis of a 24 months or less life expectancy. Except for the state of Connecticut where it is 12 months or less. 2 Based on current federal income tax laws. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 14

What if the insured gets better? – No back payments are required for the time period the insured was on claim – The lower premium rate will be less than the original premium paid prior to claim due the reduced death benefit and reduced AAS benefit. – The new premium rate calculation is dependent on how long the policy was in force prior to the claim, the age of the insured etc. – Two simple rules of thumb: • The longer the policy is inforce prior to going on claim, the lower the post recovery premium will be. • The more benefits the insured uses while on claim, the lower the post recovery premium will be. 15 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Accelerated Access Solution How It Works… The insured will become eligible for the Accelerated Death Benefit when each of the following conditions are met… § American General Life must receive a written request for the Accelerated Death Benefit § American General Life must receive Written Certification of impairment from a Licensed Health Care Practitioner § American General Life must receive written consent from any irrevocable beneficiaries or assignee of record named in the policy § The 90 day Elimination Period has been satisfied; and § The insured is Chronically Ill at the time a benefit payment is made 16 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Let's Look at an Example… § 55 Male Preferred Non-Tobacco § Purchases a $800, 000 Secure Lifetime GUL 3 § Elects to add the Accelerated Access Solution – The client elects to accelerate 50% ($400, 000) of the death benefit if he becomes chronically ill – He elects the 2% monthly payout option Not an actual case, and is a hypothetical representation for illustrative purposes only. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 17

The Result… If he becomes chronically ill and elects to activate the rider he would be able to begin accelerating $8, 000 per month. Death Benefit $800, 000 Accelerated Access Solution Acceleration Amount $400, 000 2% Monthly Payout Option $8, 000 per month Payout Duration 4 years, 2 months ($400, 000 x 2%) ($400, 000 ÷ $8, 000 = 50 months) 18 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

How Long Will It Last? 100% Acceleration 2% Payout How Many Months? 4% Payout How Many Months? Per Diem* How Many Months? Year 1 $3, 000 50 $6, 000 25 $10, 341 15 Year 10 $3, 000 50 $6, 000 25 $12, 500 121 Year 20 $3, 000 50 $6, 000 25 $12, 500 121 Year 30 $3, 000 50 $6, 000 25 $12, 500 121 $500, 000 DB 2% Payout How Many Months? 4% Payout How Many Months? Per Diem* How Many Months? Year 1 $10, 000 50 $10, 341 48 Year 10 $10, 000 50 $15, 307 34 $15, 307 33 Year 20 $10, 000 50 $20, 000 25 $22, 658 22 Year 30 $10, 000 50 $20, 000 25 $33, 539 15 $150, 000 DB *Per Diem based off of 2016 amount increasing at 4% per year. Number of months are rounded down to whole numbers. 1 Minimum payout period is 12 months the per diem numbers have been adjusted to reflect this. 19 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

How Long Will It Last? 100% Acceleration $1, 000 DB 2% Payout How Many Months? 4% Payout How Many Months? Per Diem* How Many Months? Year 1 $10, 341 101 $10, 341 97 Year 10 $15, 307 68 $15, 307 65 Year 20 $20, 000 50 $22, 658 46 $22, 658 44 Year 30 $20, 000 50 $33, 539 31 $33, 539 30 $1, 500, 000 DB 2% Payout How Many Months? 4% Payout How Many Months? Per Diem* How Many Months? Year 1 $10, 341 151 $10, 341 145 Year 10 $15, 307 103 $15, 307 98 Year 20 $22, 658 69 $22, 658 66 Year 30 $30, 000 50 $33, 539 47 $33, 539 45 *Per Diem based off of 2016 amount increasing at 4% per year. Number of months are rounded down to whole numbers. 20 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Accelerated Access Solution Premium *All solved premium amounts are under the assumption of guaranteeing to age 105. Illustration solved to pay premiums to the age of 65 only. Male 35 Preferred Non-Tobacco $150, 000 DB 2% 4% Per Diem 1 Premium $1, 608 $1, 659 (+51. 00) $1, 697 (+89. 00) Year 1 Payout $3, 000 $6, 000 $10, 341 Year 10 Payout $3, 000 $6, 000 $12, 5003 Year 20 Payout $3, 000 $6, 000 $12, 5003 Year 30 Payout $3, 000 $6, 000 $12, 5003 What if the client chose a 50% payout $1, 562 (-46. 00)2 $1, 596 (-63. 00)2 $1, 621 (-76. 00)2 Premium without the rider $1, 474 1 Per 2 Compared to 100% payout option. Diem based off of 2016 amount increasing at 4% per year. payout period is 12 months the per diem numbers have been adjusted to reflect this. 3 Minimum FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 21

Accelerated Access Solution Premium *All solved premium amounts are under the assumption of guaranteeing age 105. Illustration solved to pay premiums to the age of 65 only. Male 45 Preferred Non-Tobacco $500, 000 DB 2% 4% Per Diem 1 Premium $6, 486 $6, 590 (+ $104) $6, 606 (+ $120) Year 1 Payout $10, 000 $10, 341 Year 10 Payout $10, 000 $15, 307 Year 20 Payout $10, 000 $22, 658 Year 30 Payout $10, 000 $20, 000 $33, 539 What if the client chose a 50% payout $6, 265 (- $221)2 $6, 464 (- $126)2 $6, 532 (- $74. 00)2 Premium without the rider $5, 872 1 Per Diem based off of 2016 amount increasing at 4% per year. 2 Compared to 100% payout option. 22 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Accelerated Access Solution Premium *All solved premium amounts are under the assumption of guaranteeing to age 105. Illustration solved to pay premiums to the age of 105. Male 65 Preferred Non-Tobacco $1, 000 DB 2% 4% Per Diem 1 Premium $23, 146 $23, 892 (+ $746) $23, 929 (+ $783) Year 1 Payout $10, 341 Year 10 Payout $15, 307 Year 20 Payout $20, 000 $22, 658 Year 30 Payout $20, 000 $33, 539 What if the client chose a 50% payout $21, 826 (- $1, 320)2 $22, 232 (- $1, 660)2 $22, 252 (- $1, 677)2 Premium without the rider $20, 246 1 Per Diem based off of 2016 amount increasing at 4% per year. 2 Compared to 100% payout option. 23 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Which Payout Option is Best? § Answer……. it depends…… – When does the insured speculate they will need to activate the rider? • Impossible to know. – How long do they want the benefits to last? • Different payout options payout over different periods of time. – Should you choose the 50% payout base or 70%, 80%, or 100%? – How much more does it cost? • Let’s take a look… 24 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Which Payout Option is Best? § Male 45 Male PNT § $20, 000 in monthly benefits beginning at age 65 § Which option is best? *All solved premium amount are under the assumption of guaranteeing to age 105. Death Benefit Acceleration Benefit Payout Option $1, 000 $500, 000 Per Diem $22, 658 22 Mths $11, 603 $1, 000 $500, 000 4% $20, 000 25 Mths $11, 589 $1, 000, 000 2% $20, 000 50 Mths $11, 981 $1, 000, 000 4% $22, 658 44 Mths $12, 148 $1, 000, 000 Per Diem $22, 658 44 Mths $12, 171 1 Per Monthly Benefit Duration Annual Premium Diem based off of 2016 amount increasing at 4% per year. *Premium solve pay to age 65. 25 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Which Payout Option is Best? § Male 45 Male PNT § Max in monthly benefits at age 75 § Which option is best? *All solved premium amount are under the assumption of guaranteeing to age 105. Death Benefit Acceleration Benefit Payout Option $1, 000 $500, 000 Per Diem $33, 539 15 Mths $11, 603 $1, 000 $500, 000 4% $20, 000 25 Mths $11, 589 $1, 000, 000 2% $20, 000 50 Mths $11, 981 $1, 000, 000 4% $33, 539 30 Mths $12, 148 $1, 000, 000 Per Diem $33, 539 30 Mths $12, 171 1 Per Monthly Benefit Duration Annual Premium Diem based off of 2016 amount increasing at 4% per year. *Premium solve pay to age 65. 26 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Supplemental Application for Chronic Illness ABR 27 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Supplemental Application Knock-Out Questions 28 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Supplemental Application Additional Questions 29 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Sales Ideas 30 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

31 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Problem: Chronic Illness Hits Close to Home § Henry is a 55 year old husband father who is in good health and has seen firsthand how a chronic illness can adversely affect a family’s financial plan. § He has a brother, Edward, who has been dealing with the aftermath of a stroke for a few years and has experienced a significant depletion in financial assets due to the incredible costs of care due to his condition. Not an actual case, and is a hypothetical representation for illustrative purposes only. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 32

Problem: Chronic Illness Hits Close to Home § Specifically, Edward had to tap into his retirement dollars to pay for the rising medical bills, a wheelchair, adapting his house with entrance ramps and electric stairwell lifts as well as his day-today physical care due to his limitations, leaving his spouse, Emily, with dramatically smaller retirement resources when Edward passes away. § To make matters worse, at the time of Edward’s death, Emily’s Social Security income will drop by 1/3 to 1/2 of the couple’s total. § Henry wants to protect his family’s assets and create flexible financial options in the event a chronic illness should occur. 33 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Solution: Life Insurance You Don’t Have to Die to Use § Henry purchases a $250, 000 Secure Lifetime GUL 3 policy life insurance policy with the AAS rider to provide the flexibility and protection he is looking for. § The base policy can provide funding in the event of a chronic illness diagnosis offering Henry an option that protects his retirement portfolio from being depleted by medical expenses and physical day-to-day care and assistance. § The death benefit remaining after Henry passes away can help his surviving spouse with additional assets to offset the reduction in Social Security income that occurs when one spouse dies. 34 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Solution: Life Insurance You Don’t Have to Die to Use Choose an Accelerated Access Solution total benefit amount anywhere between $125, 000 and $250, 000 Three monthly benefit payment amounts options as shown in the chart below. 35 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Fast Forward § Twenty years later when Henry was 75 and in retirement, he suffered a heart attack and activated the rider to access a portion of the death benefit each month. 1 § Because he chose the pier diem option, the monthly benefit amount had increased to approximately $20, 000 in the year he went on claim, and was payable for up to 12 months. § The Accelerated Access Solution allowed his family to use the funds to pay for his medical and physical care expenses and helped to protect Henry’s retirement assets for his surviving spouse. 1 Insured must be certified as chronically ill by a licensed physician and meet all eligibility requirements. 36 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

37 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Problem: Planning for the Unexpected § As the sole breadwinner, Julia is a 45 year old single mother who wants to protect the financial stability of her family’s financial future. § Without knowing what will happen in the future, she would like to build in some protection in the event she should develop a chronic illness or pass away prematurely. Not an actual case, and is a hypothetical representation for illustrative purposes only. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 38

Solution: Life Insurance You Don’t Have to Die to Use § Julia purchases a $500, 000 Secure Lifetime GUL 3 policy. § With the Optionality built into the policy she has the following choices: – Choose an Accelerated Access Solution total benefit amount anywhere between $250, 000 and $500, 000 – Choose among three monthly benefit payment amount options • 2%, 4%, Per Diem 39 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Solution: Life Insurance You Don’t Have to Die to Use § Thirty years later when Julia was 75 and in retirement, she suffers a stroke and activates the rider to access a portion of the death benefit each month. 1 § Because she chose the pier diem option, the monthly benefit amount had increased to approximately $31, 000 in the year she went on claim, and was payable for up to 16 months. § Julia pass away 6 months after going on claim and therefore still had $314, 000 in death benefit that was payable to her beneficiaries. § The Accelerated Access Solution allowed her family to use the funds to pay for her medical care and protected family assets from being depleted as a result of the illness. 1 Insured must be certified as chronically ill by a licensed physician and meet all eligibility requirements. 40 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Care Coordination Program FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Care Coordination Program AGL offers services to help the insured locate and choose a provider through its “Care Coordination Program”. American General Life has partnered with the nation’s largest administrator of long-term care insurance (Long-Term Care Group, Inc. or LTCG™), to arrange the long-term care services at no cost to policyholders. This free benefit, called the “Care Coordination Program”, is completely optional and available on all policies with the Accelerated Access Solution chronic illness rider. 42 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Care Coordination Program This program offers access to Care Management professionals that can provide information to support a search for a caregiver or facility that is right for each family’s situation as well as assistance to: § locate a qualified caregiver, long term care facility or home-delivered meals provider § develop a plan of care to ensure all your needs are met § direct you to organizations with expertise in your disabling condition § set up your first home care visit § understand the steps involved in moving into a long term care facility § help you understand the cost of long term care and how you will be billed for the services you receive 43 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Questions? For additional information, please contact your American General Life Companies representative or visit our producer web site at http: //e. Station. americangeneral. com National Sales Desk can be reached at 1 -800 -677 -3311 44 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

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Important Information §Information about the ML Strategic Balanced Index. SM The ML Strategic Balanced Index. SM provides systematic, rulesbased access to the blended performance of two underlying indices—the S&P 500 (without dividends), which serves to represent equity performance, and the Merrill Lynch 10 -year U. S. Treasury Futures Total Return Index, which serves to represent fixed income performance. To help manage overall return volatility, the Index may also systematically utilize Cash performance in addition to the performance of the two underlying indices. Important Note: The ML Strategic Balanced Index embeds an annual index cost in the calculations of the change in Index Value over the Index Term. This “embedded index cost” will reduce any change in Index Value over the Index Term that would otherwise have been used in the calculation of index interest, and it funds certain operational and licensing costs for the index. It is not a fee paid by you or received by the Company. The Company’s licensing relationship with Merrill Lynch, Pierce, Fenner & Smith Incorporated for use of the ML Strategic Balanced Index and for use of certain service marks includes the Company’s purchase of financial instruments for purposes of meeting its interest crediting obligations. Some portion of those instruments will, or may be, purchased from Merrill Lynch, Pierce, Fenner & Smith Incorporated or its Affiliates. Merrill Lynch, Pierce, Fenner & Smith Incorporated and its affiliates (“Bof. A Merrill Lynch”) indices and related information, the name “Bof. A Merrill Lynch”, and related trademarks, are intellectual property licensed from Bof. A Merrill Lynch, and may not be copied, used, or distributed without Bof. A Merrill Lynch’s prior written approval. The products of licensee American General Life Insurance Company] have not been passed on as to their legality or suitability, and are not regulated, issued, endorsed, sold, guaranteed, or promoted by Bof. A Merrill Lynch. BOFA MERRILL LYNCH MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY INDEX, RELATED INFORMATION, ITS TRADEMARKS, OR THE PRODUCT(S) (INCLUDING WITHOUT LIMITATION, ITS QUALITY, ACCURACY, SUITABILITY AND/OR COMPLETENESS). The ML Strategic Balanced Index (the “Index”) is the property of Merrill Lynch, Pierce, Fenner & Smith Incorporated, which has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) to calculate and maintain the Index. The Index is not sponsored by S&P Dow Jones Indices or its affiliates or its third party licensors (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices will not be liable for any errors or omissions in calculating the Index. “Calculated by S&P Dow Jones Indices” and the related stylized mark(s) are service marks of S&P Dow Jones Indices and have been licensed for use by Merrill Lynch, Pierce, Fenner & Smith Incorporated. 46 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Important Information California residents should be provided the “California Resident Supplemental Information” flyer on the Accelerated Access Solution (AGLC 108547). Policies issued by: American General Life Insurance Company (AGL), Form Numbers 13460, ICC 13 -13460, ICC 14 -14779, 14779; Rider Form Numbers 13600, ICC 13 -13600, 13600 -5, 13601, 13972, 82001, CA WMDR 82001 -5 Rev 0914. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). AGL does not solicit business in the state of New York. Products may not be available in all states and product features may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company. These product specifications are not intended to be all-inclusive of product information. State variations may apply. Please refer to the policy for complete details. American General Life Insurance Company and their distributors and representatives may not give tax, accounting or legal advice. Any tax statements in this material are not intended to suggest the avoidance of U. S. federal, state or local tax penalties. Such discussions generally are based upon the company’s understanding of current tax rules and interpretations. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have retroactive effect as well. Individuals should seek the advice of an independent tax advisor or attorney for more complete information concerning their particular circumstances and any tax statements made in this material. AGLC 108525 REV 0616 © 2016. All rights reserved. 47 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries. . AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www. aig. com | You. Tube: www. youtube. com/aig | Twitter: @AIG_Latest. News | Linked. In: http: //www. linkedin. com/company/aig AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at www. aig. com. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.