EXPERIENCEthe AIG Difference

AIG Retirement Services

ENVISIONMOREwith AIG

Your employees work hard to make life better for the people they serve. Let AIG work hard for their retirement.

Working together, ours is an important calling — helping your employees plan for and

achieve the retirement they envision. At AIG Retirement Services, we have an unwavering

commitment to helping you and your employees Envision MORE when it comes to planning

for the future.

When you partner with AIG Retirement Services, you will experience the difference we

bring to your plan, including:

Powerful technology paired with trusted advisors

Smart use of data analytics to enhance plan health

A more personal experience

We have specialized in retirement services for more than 60 years. But what makes us

truly different is how we serve your employees.

ENVISIONMORE

1

2

Paired with Trusted AdvisorsPowerful Technology

It has become critical to provide employees with the retirement planning tools and services they need to get inspired, stay engaged and on track to achieve the future they envision. We call it being FutureFIT,® which stands for Freedom. Individually Tailored.®

FutureFIT®— our Proprietary Participant Experience.

Our Digital EdgeOur award-winning website uses behavioral science principles, streamlined navigation and relatable content to motivate employees to take action. Our website also features:

• Engaging design built for today’s mobile mindset• Modular approach that is intuitive and actionable• Smart technology that allows employees to focus on future monthly income

and dynamic results

We value personal, face-to-face connections — and we know from our research that retirement savers do too. That’s why we offer powerful technology paired with trusted advisors.

#1 Behavior—Centric Website

#2 Overall Participant Website

#2 Digital Online Enrollment Process Overview

#2 Mobile Website

PARTICIPANT WEBSITE 2018 RANKINGS

FPO

Check out our mobile

app!

The Advisor AdvantageSupported by today’s leading retirement planning tools and technology, our dedicated financial advisors can have a measurable impact on retirement outcomes. On average, meeting with one of our financial advisors has led to a 32% increase in participant contributions.* Additionally, our advisors offer a number of important benefits, including:

• They put your employees’ needs first Available to meet employees anytime and anywhere, driven solely by helping people make the right

decisions for their financial situations

• They are local Not only a part of AIG Retirement Services, they are a part of your community

• They are experienced Approximately 20 years of service helping those who help others prepare for their financial futures

Retirement Pathfinder® — where digital meets personalWorking with our financial advisor, your employees can access this powerful software to model various scenarios, optimize savings strategies and identify the impact of varying market conditions on their retirement savings accounts. It’s the right pairing of technology and in-person guidance to help address your employees’ individual needs and goals.

* Source: VALIC Financial Advisor Impact Analysis, 2018.3

Source: Value of the Advisors Study, 2018

FPO

4

Data Makes a Difference

We believe the smart use of datacan 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 offerings — from engaging employees and achieving

greater retirement readiness, to helping you better manage

your plan and enhance plan health.

Through the smart use of data and analysis we are able to:

• Target specific employee populations

• Develop targeted education and communication strategies

• Drive engagement and improve employee outcomes

5

SponsorFIT®—A Smarter Way to Manage Your PlanSponsorFIT, our self-service plan sponsor portal, 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.

With SponsorFIT, you can experience:

• Data-based insights that enable you to better track and monitor plan-level goals• Access to real-time data to spot trends and take action • Robust reporting for conclusive analysis of plan health • Flexible data integration for ease of administration

Our data-driven approach can help you view your plan in a whole new way — one that focuses on overall plan health as well as individual employee outcomes.

That’s why we focus on individual needs and preferences when engaging your employees. We

offer an integrated approach to help individuals achieve their desired financial goals.

By pairing “high-tech” with “high-touch,” we provide your employees with access to valuable

education, advice and guidance for their specific needs however and whenever they prefer.

A More Personal Experience

Finances are personal.

By making finances personal, understandable and accessible, employees can gain greater confidence, which encourages them to plan, save and Envision MORE.

6

• FutureFIT retirement readiness letters - Offer both participating and non-participating employees guidance to help meet future income needs

• Personal retirement notifications – digital and print- Highlight key life events, such as getting married, and remind employees to consider changes aligned with their future

• Custom employee messaging - Reinforces the value your plan provides and encourages employees to take action when visiting their online account

• Personalized videos- Uses employee name, demographic data, market segment and state of residence to quickly grab attention and drive action

Our personalized communication experience connects with your employees on an individual level At AIG Retirement Services, we’re committed to helping your employees reach their financial goals by communicating with them in a targeted, personal way.

7

The Power of AIG • AIG is one of the world’s largest insurance organizations• Celebrating its “Centennial” in 2019 — for nearly 100 years, AIG companies

have been helping protect clients and their families from the unexpected, and helping them safeguard their futures

• Helping more than 3 million clients reach their retirement goals*• More than 60 years of retirement services experience*• More than $230 billion in retirement assets* (as of 12/31/2018)

• 1,250 dedicated financial advisors*

AIG is a recognized Fortune Global 500 company with deep experience in insurance and financial services

* Figures include AIG’s Life & Retirement defined contribution, annuity and mutual fund businesses. AIG Retirement Services represents AIG member companies including The Variable Annuity Life Insurance Company (VALIC) and its subsidiaries VALIC Financial Advisors, Inc. (VFA) and VALIC Retirement Services Company (VRSCO).

8

A Personal and Powerful Experience for You and Your Employees — That’s the AIG Difference

AIG is firmly committed to serving those who serve others.

With powerful technology paired with trusted advisors, smart use of data analytics to improve plan health and a more personal experience, AIG Retirement Services offers the difference you and your employees need to Envision MORE for the future.

ENVISIONMOREwith AIG

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

VC 29549 (03/2019) J238201 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.

ENVISION MORE with AIG.

AIG Retirement Services