SMART USE OF DATA to Enhance Plan Health

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AIG Retirement Services

We believe the smart use of data can make a significant difference in your plan and in the futures of your employees.

That’s why we integrate robust data analytics into each element of our retirement plan experience—from helping employees to assess their personal financial status and achieve greater retirement readiness, to helping you better manage your plan and enhance plan health.

We’re using data to identify strategies —and create better retirement outcomes

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At AIG Retirement Services, we want to partner with you to strategically use data to both reinforce the benefits of your plan and drive employee engagement.

Our mission is to assess and measure how employees are engaged with your plan, so we can better deliver targeted advisor engagement and create specific messaging that can help employees take the right actions for their future. This targeted approach is more relevant to your employees because they only receive materials applicable to their individual needs.

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Smart Use of Data Informs Our Communication and Education Strategy

It’s likely you have a diverse group of employees with varying educational and retirement planning needs. Therefore, messaging needs to be specific, targeted and impactful.

Through the smart use of data and analytics, we are able to pinpoint specific employee populations and develop targeted communication strategies to drive engagement and improve outcomes.

Examples of targeted segments and strategies include:

• Life stage and events

– Early career, soon-to-be retirees

• Employment status

– Retired, part-time, management

• Underutilizing plan benefits

– Plan eligible, undercontributing for match, poor diversification, undersaving for future need

Plus, the more data you provide, the better we can tailor our analysis to fit your plan’s goals and drive desired outcomes.

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Our financial advisors know your employees are busy, so they don’t wait for employees to come to them.

Our employee engagement strategies leverage data analytics to better drive advisor activity and identify employees who may benefit most from in-person advice.

Our proprietary approach takes into account:

• Employee savings trends

• Measures against industry benchmarks

• Departments and employees that have the greatest need and highest probability for a change in savings behavior

Data Drives Our Advisor Outreach Programs

This targeted approach helps our advisor teams focus on core areas of your organization that can influence others and create positive momentum in terms of the way your employees view and interact with your retirement plan.

With data leading our strategy, AIG can report back to you with measurable outcomes and recommendations on how to continue building employee engagement and enhance overall plan health.

This targeted data-driven strategy has resulted in 40% of employees engaged to positive action in preparing for their future.*

*Source: The Value of the Advisor Study, VALIC, 2018.

7 in 10 people said that seeing successful examples of people saving helps them feel confident about saving.

3 in 10 people reported they conferred with a colleague before making an investment decision.

Source: The Value of the Advisor Study, VALIC, 2018.

By energizing top savers, we can help employees: • Build confidence

• Overcome misperceptions about saving and meeting with an advisor

• Become comfortable making financial decisions

Additionally, research has shown that:

Power of the Peer We’ll Develop Peer-Influencing Programs That Work With Your Culture

One of our latest innovative programs is called FutureFIT® Circles Through our peer influencer program, FutureFIT Circles, we can help create great conversations about saving. FutureFIT Circles are designed to place peers with peers to talk about their finances and share ideas with one another to help motivate action. Financial advisors are available during Circle discussions to answer questions and provide direction as needed. FutureFIT Circles are a great addition to our education workshop series and offer a unique opportunity for your employees to engage with one another.

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Helping employees get—and stay— on track for the future The more personal we can make retirement planning, the more likely employees are to initiate positive change.

Data is the key to personalizing the planning process and helping your employees envision their future. Our personalized participant experience connects with employees on an individual basis and is designed to help people plan more effectively. We call our participant experience FutureFIT.® Freedom. Individually Tailored.®

Data-Driven Personalization Sparks Engagement and Behavioral Change

FutureFIT Calculator

Employees can see a hypothetical projection of where their future income stands now, as well as discover how a few small changes today can make

all the difference later.

FutureFIT LettersPersonalized retirement readiness letters

• Provides analysis of current retirement savings

– On track – Not on track

• Encourages increased savings and/or a review of current investment strategy

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Smart Use of Data Makes it Easier for You to Manage Your Plan

SponsorFIT® integrates smart data to help make it easier for you to manage your plan.

• Our enhanced self-service portal enables direct access to the plan information you need on a daily basis.

• Your personal homepage puts plan information at your fingertips.

• You decide what works best for you—from how you access the site to which reports you run and when. Select from an enhanced menu of standard reports or create customized reporting with ease.

SponsorFIT is designed to help keep you in control, by creating an experience that makes plan administration easier and helps your employees achieve the futures they envision.

• Data-based insights enable you to better track and monitor toward plan-level goals

• View real-time data to spot trends and take action

• Robust reporting for conclusive analysis of plan health

• Flexible data integration for ease of administration

Let data help you view your plan in a new way—one that focuses on overall plan health and individual employee outcomes.

Improve Plan Health Help Your Employees Achieve the Future They Envision

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✓SponsorFIT focuses on Plan Health and Success Factors:• Impact on strategic plan goals

• Employee satisfaction

• Plan participation

• Retirement readiness

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Ensuring your employee data is well-protected is our number one priority. We go through exhaustive measures to strengthen our security and protocols to keep your data safe.

We utilize the full power of AIG to safeguard your information, and we protect you and your employees by:

• Requiring dual security authentication to access accounts

• Encrypting sensitive information

• Using anti-virus and anti-malware software with continuous updates

• Maintaining secure firewalls

• Remaining up-to-date with all security regulations

We take the protection of your data seriously, and we know the benefit the data can provide your employees’ retirement futures. AIG is an industry leader in data security, so we can unlock the potential of your plan using data safely.

Protecting your Data From Cyber Threats

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Ready to ENVISION MORE? The key to unlocking your plan’s potential is with data. Let us partner with you to

use data and strategize how we can motivate action and improve participant outcomes.

AIG Retirement Services is committed to serving those who serve others, and we know that

with the right data we can make a difference for you and your employees’ future.

Copyright © American International Group, Inc. All rights reserved.

VC 29550 (03/2019) J237902 ER

For Plan Sponsor Use Only. Not for Public Distribution.

AIG Retirement Services represents AIG member companies — The Variable Annuity Life Insurance Company (VALIC) and its subsidiaries, VALIC Financial Advisors, Inc. (VFA) and VALIC Retirement Services Company (VRSCO). All are members of American International Group, Inc. (“AIG”).

Securities and investment advisory services offered through VALIC Financial Advisors, Inc. (“VFA”), member FINRA, SIPC and an SEC-registered investment adviser.

Annuities are issued by The Variable Annuity Life Insurance Company (“VALIC”), Houston, TX. Variable annuities are distributed by its affiliate, AIG Capital Services, Inc. (“ACS”), member FINRA.

AIG Retirement Services is committed to helping you meet your long-term financial needs. Our history supports that promise. For more than 60 years, AIG Retirement Services has worked to provide sound, innovative solutions to Americans throughout every phase of their financial lives.

AIG is a recognized Fortune Global 500 company with deep experience in insurance and financial services. AIG Retirement Services includes these AIG member companies with individual specialized purposes:

• The Variable Annuity Life Insurance Company (VALIC) underwrites, issues and guarantees annuity products and policies. Guarantees are backed by the claims-paying ability of VALIC.

• VALIC Financial Advisors, Inc. (VFA) is a registered broker/dealer and an SEC- registered investment adviser that supports our retirement plans and plan participants as well as individuals outside of retirement plans seeking to achieve their retirement and financial goals.

• VALIC Retirement Services Company (VRSCO) provides retirement plan recordkeeping, administrative and compliance services to group mutual fund retirement plans for our group mutual fund business.

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AIG Retirement Services