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Welcome We're delighted to have this opportunity to tell you how the three companies that comprise AIG VALIC can help you with your financial and retirement planning needs. Today, these companies, members of American International Group, Inc., offer a host of financial products and services to help you plan for your future and manage your other financial obligations along the way. How do you determine your financial priorities? Your financial advisor can help — with a computer-based diagnostic program with which you can evaluate, and then prioritize, your general investment, retirement income, and life insurance needs. Different people have different investment preferences. And we offer the flexibility you may need. Our national team of financial advisors offers a stellar array of tax-qualified plans, traditional and Roth IRAs, tax-deferred fixed and variable annuities, and mutual funds — plus brokerage services to help you broaden and diversify your portfolio. As higher education expenses keep increasing each year, the goal of sending children to college remains a challenge for many parents and grandparents. If college funding is one of your financial goals, our College Investment Program can help you be ready for college when your child is. This program helps you project how much money you'll need and provides a structure and investment method to get your college funding plan underway. No financial plan is complete without adequate life insurance protection. If you're the main breadwinner in your household, your family's financial security may depend on your being there. What if the unthinkable happens, and you aren't? Your financial advisor can help you prepare for the unexpected by incorporating life insurance as a key component of your financial/retirement plan. You can choose term life insurance as an affordable way to purchase the protection you need. Or you may prefer variable universal life insurance, which offers financial protection plus access to fixed and variable separate account options, and tax-deferred compounding of earnings. If you're looking for financial and retirement planning information, investment options and services to help you reach your financial goals, you've come to the right place. Sincerely, Bruce Abrams, President & CEO, VALIC, AIG Annuity #40030