Disclosures

• 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).
• The current 7-day yield as of 02/28/2022 for Government Money Market I Fund is -0.79%. This yield more closely reflects the current earnings of the money market fund than does the total average annual return. Yields do not reflect deduction of surrender charges or premium taxes, if applicable.
• You could lose money by investing in the Money Market Fund ("Fund"). Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund's sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
• A variety of investment options are available in different plans. Please review your plan for a list of available options or call your financial advisor at 1-800-448-2542 (option 2).
• The inclusion data found in this chart are based upon the date the funds were included in the Separate Account or for the General Account, when added to the contract. The inception data and returns are based on the date the underlying fund began operation.
• All underlying funds listed (except where noted) are available for 401(a), 403(a), 401(k), 403(b) and 457(b) eligible deferred compensation plans, as well as individual retirement annuities. Investment options bearing the "• " symbol are available in nonqualified, tax-deferred variable annuities [under IRC Section 72], ineligible deferred-compensation 457(f) plans and for-profit top-hat plans.
• ¹ On May 24, 2021, certain VALIC Company II ("VCII") Funds reorganized into newly created corresponding VALIC Company I ("VCI") Funds. For periods prior to May 24, 2021, performance shown reflects the performance of predecessor VCII Funds which had a 0.25% shareholder services fee which was offset by VALIC with a corresponding 0.25 separate account charge waiver.
• For funds with less than a full year of performance the returns are cumulative.
• Fixed Account Plus contributions received and deposited during a given month will earn that month's current interest rate for the remainder of that calendar year (for all contract series except 7.0, 7.20, 7.40, 12.0, 12.20, 12.40, and 13.20). The Variable Annuity Life Insurance Company intends (though does not guarantee) to pay this same interest rate for those deposits and transfers through the end of the following calendar year. The current interest rate may differ from month to month.
• All Fixed Account Plus deposits for series 7.0, 7.20, 7.40, 12.0, 12.20, 12.40, and 13.20 will earn the declared interest rate until that rate is changed.
• Returns for fixed options were calculated assuming a lump-sum deposit on the first day of each period and interest credited to the account according to The Variable Annuity Life Insurance Company's interest crediting policy. Equivalent rates were used, even though the contract may not have been available for sale during all periods shown.
• The interest rate for the Short-Term Fixed Account is declared annually in January. All Short-Term Fixed Account deposits will earn the annual declared interest rate for the remainder of that calendar year. Interest is credited daily and subject to the claims-paying ability of the insurance company.
• Please refer to your contract for the minimum guarantee rate. The Variable Annuity Life Insurance Company's interest-crediting policy for rates above the contractual guarantee rate is subject to change.
• Performance numbers for Fixed Account Plus and/or Short Term Fixed are based on annualized returns. Premium taxes will be deducted when required by state law.
• ² On May 24, 2021, the VALIC Company II ("VCII") Core Bond Fund, the VCII Strategic Bond Fund, and the VALIC Company I ("VCI") Capital Consevation Fund recorganized into newly created VCI Core Bond Fund. For periods prior to May 24, 2021, performance shown reflects the performance of the predecessor VCII Core Bond Fund which had a 0.25% shareholder services fee which was offset by VALIC with a corresponding 0.25% separate account charge waiver.
• The VALIC Company I Lifestyle Funds and the VALIC Company I Dynamic Allocation Fund invest in the funds offered in VALIC Company I. The Vanguard LifeStrategy Funds invest in other Vanguard funds. Thus, each "Fund of Funds" indirectly bears the fees and expenses of those acquired funds.
• Certain funds may be subject to expense waivers or reimbursements. These expense waivers and reimbursements may be voluntary or contractual. Voluntary waivers may be terminated at any time. Please see the prospectus for each fund for more detail concerning each fund's fee and expenses.
• ³ On May 24, 2021, the VALIC Company II ("VCII") Small Cap Growth Fund, the VALIC Company I ("VCI") Small Cap Fund, and the VCI Small Cap Aggressive Growth Fund recorganized into newly created VCI Small Cap Growth Fund. For periods prior to May 24, 2021, performance shown reflects the performance of the predecessor VCII Small Cap Growth Funk which had a 0.25% shareholder services fee which was offset by VALIC with a corresponding 0.25% separate account charge waiver.
• Annuity contracts typically include limitations, exclusions and expense charges, which are described in the current Portfolio Director prospectus. Fees include Separate Account fees, which range from 0.25% to 1.25% depending on the contract, and Annual Net Fund Expenses, which range from 0.12% to 1.15% for the variable options. The current Annual Net Fund Expense is the current Annual Total Fund Expense less contractual expense waivers or reimbursements. Fees are subject to change based on expense waivers and reimbursements. Additionally, account maintenance fees of $3.75 per quarter and surrender charges may apply, depending on your contract.
• Bear in mind that annuities also provide additional features and benefits, including, but not limited to, a guaranteed death benefit and guaranteed lifetime income options, for which a Separate Account fee is charged.
• Trading may be limited based on VALIC's Investor Trading policy which is available online at www.aigrs.com/policies/investor-trading. Funds, other than VALIC Company I, may impose additional limitations on the number of trades in and out of the fund. Please see the fund's prospectus for more information.
• Annuities are long-term retirement products designed for retirement. Withdrawals may be subject to federal and/or state income taxes. Federal restrictions and a 10% federal early withdrawal tax penalty may apply if taken before age 59 ½. Early withdrawals may be subject to withdrawal charges. Partial withdrawals may reduce benefits and contract value.
• Retirement plans and accounts that satisfy relevant qualification rules, such as 403(b)s, IRAs, 401(k)s, etc., can be tax-deferred regardless of whether or not they are funded with an annuity. If you are considering funding a tax-qualified retirement plan or account with an annuity, you should know that an annuity does not provide any additional tax-deferred treatment of earnings beyond the tax deferral of the tax-qualified retirement plan or account itself.
• AIG Retirement Service represents The Variable Annuity Life Insurance Company, VALIC Financial Advisors, Inc, and VALIC Retirement Services Company.
• Returns reflect overall changes in accumulation unit value from the beginning to the end of the periods shown, after deduction of fund expenses. Standardized returns reflect the deduction of account maintenance fees and surrender charges but do not reflect the deduction of premium taxes or optional rider fees, if applicable. Non-Standardized returns do not reflect deduction of account maintenance fees, surrender charges, premium taxes or optional rider fees, if applicable.
• The principal value of an investment in a Target Date fund is not guaranteed at any time including at or after the target maturity date. The target date is the approximate date when investors plan to start withdrawing their money. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date.
• Policy Form series UIT-194, UITG-194 and UITG-194P, a fixed and variable annuity issued by VALIC, Houston, Texas.
• Annuities issued by VALIC, Houston, Texas. Variable annuities distributed by its affiliate, AIG Capital Services, Inc. ("ACS"), member FINRA. Guarantees are backed by the claims-paying ability of VALIC and are not the responsibility of American International Group, Inc. ("AIG"). VALIC, VFA and ACS are members of AIG.
• Securities and investment advisory services offered through VALIC Financial Advisors, Inc. ("VFA"), member FINRA, SIPC and an SEC-registered investment advisor.
• Fund Expense Ratio includes the net fund expense plus any applicable separate account fee.
• ⁴ On May 24, 2021, VALIC Company II ("VCII") Lifestyle Funds reorganized into newly created corresponding VALIC Company I ("VCI") Lifestyle Funds. For periods prior to May 24, 2021, performance shown reflects the performance of the predecessor VCII Funds which invested in a combination of underlying VCI and VCII Funds. The underlying VCII Funds were subject to a 0.25% shareholder service fee which was offset by VALIC with a 0.25% separate account charge waiver. Effective May 24, 2021, the VCI Lifestyle Funds invest exclusively in VCI Funds, and VALIC is voluntarily reducing the separate account charge of the Variable Account Options investing in the VCI Lifestyle Funds by 0.15% until on or about April 30, 2023.
• Investors should carefully consider the investment objectives, risks, fees, charges and expenses before investing. This and other important information is contained in the variable annuity product and underlying fund prospectuses, which can be obtained from your financial professional or visit http://www.aig.com/RetirementServices or call 1-800-428-2542 and follow the prompts. Read the prospectuses carefully before investing.
• Historical returns for periods prior to the inclusion date are hypothetically adjusted returns. These returns are derived from the performance of the corresponding mutual fund, adjusted to reflect the charges and expenses of the annuity product as if the underlying fund had been available in the Separate Account during the stated period.
• * 10 Years/Inclusion: The data in this column is based on the lesser of 10 years or the date the funds were included in the annuity product.
• ** 10 Years/Inception: The data in this column is based on the lesser of 10 years or the inception date of the fund.