1. The Power Series of Index Annuities ® Principal Protection. Growth Potential. Lifetime Income. Plus, the Opportunity to Guarantee More Income For Life Annuities are issued by American General Life Insurance Company (AGL). Guarantees are backed the claims-paying ability of AGL.

2. Why Secure Your Retirement Income? 2

3. Americans Today Are LIVING LONGER 3 1 Source: Pew Research Center, December 29, 2010. 2 Source: Society of Actuaries, Annuity 2000 Mortality Table. Assumes a couple, both age 65. 10,000 baby boomers turning 65 every day 1 Retirement for a 65-year-old couple may last 30 years or more 2 2 2

4. Interest Rates Are Near HISTORIC LOWS 4 3 Source: Yahoo Finance. 10-year Treasury rates from June 30, 1995 to June 30, 2015. Treasury securities are guaranteed by the U.S. government as to the timely payment of principal and interest, and if held to maturity, offer a fixed rate of return and fixed principal value. Bond income may be taxed as ordinary income or capital gains. Past performance is not a guarantee of future results. 4 Source: Bloomberg. Data is based on 1-year CD rates. CDs offer a fixed rate of return and are guaranteed by the Federal Deposit Insurance Corporation (FDIC). CD income is taxed as ordinary income in the year that it is received. » Treasury yields have declined significantly over the last 20 years 3 » 1-year CD rates near zero (0.60% as of 6/30/15) 4 » Treasury yields have declined significantly over the last 20 years 3 » 1-year CD rates near zero (0.60% as of 6/30/15) 4 10-Year Treasury Rates (6/30/1995 to 6/30/2015)

5. Healthcare Costs REMAIN HIGH 5 5 “Amount of Savings Needed for Heath Expenses for People Eligible for Medicare: Good News Not So Rare Anymore,” Employee Benefit Research Institute (EBRI) Notes, Vol. 35, No. 10, October 2014. Healthcare Costs as a Percentage of GDP A 65-year-old couple today may need up to $326,000 to cover medical expenses in retirement 5 Source: U.S. Centers for Medicare and Medical Supplies% of GDP

6. Traditional Income Sources Are DECLINING 6 Fewer Americans are covered by pensions 6 Social Security is facing a potential funding crisis 7 116,000 1985 26,000 Today Number of private pension plansRatio of workers to retirees 159:1 1940 3:1 Today 6 2015 IRI Fact Book, page 17. Based on 2012 data from the Pension Benefit Guaranty Corporation. 7 Social Security Online, Ratio of Covered Workers to Beneficiaries, Calendar Years 1940-2010. Younger Americans may not be able to rely on Social Security and pensions for their retirement income needs.

7. Generate Income You Won’t Outlive with A Power Series Index Annuity 7

8. Tax Deferral Tax Deferral Growth Potential Principal Protection Guarantee Income For Life 10 Guarantee Income For Life 10 Double Your Income Potential 9 Guarantee Rising Income 8 Guarantee Rising Income 8 A POWERFUL COMBINATION for Retirement Power Series Index Annuity Lifetime Income Plus ® Guaranteed Living Benefit Rider Note: Lifetime Income Plus is automatically included with select annuities for an annual fee of 0.95% of the Income Base. Guarantees are backed by the claims-paying ability of the issuer. To receive guarantees, withdrawals must be taken according to the terms of the rider. 8 Rising income is only guaranteed for the first 10 contract years, when withdrawals are taken according to the terms of the rider. 9 The Income Base—the amount on which guaranteed withdrawals are based—is guaranteed to double after 10 years, if no withdrawals are taken prior to the 10 th contract anniversary. 10 Guaranteed lifetime income is also available through annuitization at no additional cost. 8

9. Principal Protection: Don’t Fear the Bear 9

10. The Power of Zero ℠ Protect Your Principal through the POWER OF ZERO ℠ 10 No loss of principal. Your annuity value won’t decline due to market fluctuations. No loss of earnings. Interest earned each year is locked into the annuity and protected from future downturns. No emotional ups and downs. You have the confidence of knowing that your principal is protected, even in volatile times. Note: Principal will decline due to withdrawals and/or fees for an optional rider. It is important to note that index annuities are insurance products and not an investment. Index annuities provide the potential to earn index interest based in part on an underlying index. Indices cannot be invested in directly.

11. Growth Potential: Help Capture the Upside

12. Monthly Average Monthly Point-to-Point Additive Monthly Point-to-Point Additive 2-Year Point-to-Point 2-Year Point-to-Point Choose from 6 Interest Crediting Strategies to Help Boost Your GROWTH POTENTIAL 12 Note: Interest earned is subject to an index rate cap or spread. An annual index rate cap is the maximum rate of interest you can earn in an index term. A monthly index rate cap is the maximum monthly change that is used to calculate interest for a specific account. A spread is a preset deduction that is used to calculate the interest earned in several accounts. Index interest accounts are not a permanent part of the contract and may be removed due to circumstances beyond the control of American General Life Insurance Company. Such circumstances include, but are not limited to, the discontinuation of an index, which may occur at the end of an index term, a change in the composition or calculation of an index, the inability to license the use of an index and the inability to hedge risks associated with these index interest accounts. Special rules govern how assets in a discontinued index interest account may be reallocated. These rules may differ by state. Please see the Owner Acknowledgment and Disclosure Statement for more information. Annual Point-to-Point Annual Point-to-Point Annual Point-to-Point Annual Point-to-Point Fixed Interest Account S&P 500 ® (without dividends) ML Strategic Balanced Index ®

13. Hypothetical example assumptions: $100,000 premium and 4.00% annual index rate cap (reset at 4.00% every year) The above example is hypothetical and intended only to show how the S&P 500 ® Annual Point-to- Point Index Interest Account would perform in certain situations. Index rate caps are re-declared annually and may be higher or lower than the hypothetical 4.00% index rate cap shown in this example. Guarantees are backed by the claims-paying ability of the issuing insurance company. Understanding the S&P 500 ® ANNUAL POINT-TO-POINT Index Interest Account 13 Up Year: Interest is credited, subject to the annual index rate cap (4.00% in this example Up Year: Interest is credited, subject to the annual index rate cap (4.00% in this example S&P 500 ® Index Value S&P 500 ® Annual Percent Change Annual Interest Earned Date of Issue1,000 Anniversary 11,083+8.30%+4.00% Anniversary 21,112+2.68% Anniversary 31,053-5.31%+0.00%

14. Hypothetical example assumptions: $100,000 premium and 4.00% annual index rate cap (reset at 4.00% every year) The above example is hypothetical and intended only to show how the S&P 500 ® Annual Point-to- Point Index Interest Account would perform in certain situations. Index rate caps are re-declared annually and may be higher or lower than the hypothetical 4.00% index rate cap shown in this example. Guarantees are backed by the claims-paying ability of the issuing insurance company. Understanding the S&P 500 ® ANNUAL POINT-TO-POINT Index Interest Account 14 Down Year: With the Power of Zero, no interest is credited. Down Year: With the Power of Zero, no interest is credited. S&P 500 ® Index Value S&P 500 ® Annual Percent Change Annual Interest Earned Date of Issue1,000 Anniversary 11,083+8.30%+4.00% Anniversary 21,112+2.68% Anniversary 31,053-5.31%+0.00%

15. Hypothetical example assumptions: $100,000 premium and 2.00% monthly index rate cap The above example is hypothetical and intended to show how the S&P 500 ® Monthly Point-to-Point Additive Index Interest Account would perform in certain situations. Index rate caps are re-declared annually and may be higher or lower than the hypothetical 2.00% index rate cap shown in this example. Guarantees are backed by the claims-paying ability of the issuing insurance company. Understanding the S&P 500 ® MONTHLY POINT- TO-POINT ADDITIVE Index Interest Account 15 Up Month: Positive change is capped (2.00% in this example) Up Month: Positive change is capped (2.00% in this example) Down Month: Negative change is included in the annual interest calculation. There is no minimum monthly floor. Down Month: Negative change is included in the annual interest calculation. There is no minimum monthly floor. Annual Interest: Equals sum of 12 monthly capped changes. Annual Interest: Equals sum of 12 monthly capped changes. S&P 500 ® Index Value S&P 500 ® Monthly Percent Change Monthly Change with 2% Cap Date of Issue1,000−− Month 11,0404.00%2.00% Month 21,0662.50%2.00% Month 31,002-6.00% Month 41,0201.80% Month 51,0462.55%2.00% Month 61,0591.24% Month 71,0650.57% Month 81,032-3.10% Month 91,0471.45% Month 101,0702.20%2.00% Month 111,0740.37% Month 121,0851.02% Sum of 12 Monthly Changes5.35% Annual Interest Earned+5.35%

16. Hypothetical example assumptions: $100,000 premium and 2.00% monthly index rate cap (reset at 2.00% in the 2 nd year) The above example is hypothetical and intended to show how the S&P 500 ® Monthly Point-to-Point Additive Index Interest Account would perform in certain situations. Index rate caps are re-declared annually and may be higher or lower than the hypothetical 2.00% index rate cap shown in this example. Guarantees are backed by the claims-paying ability of the issuing insurance company. Understanding the S&P 500 ® MONTHLY POINT- TO-POINT ADDITIVE Index Interest Account 16 Annual Interest: If the annual total is negative, no interest would be credited. Annual Interest: If the annual total is negative, no interest would be credited. S&P 500 ® Index Value S&P 500 ® Monthly Percent Change Monthly Change with 2% Cap End of Year 1 1,085 −− Month 13 1,1001.38% Month 14 1,1050.45% Month 15 1,093-1.09% Month 16 1,2009.79%2.00% Month 17 1,150-4.17% Month 18 1,030-10.43% Month 19 1,020-0.97% Month 20 1,0452.45%2.00% Month 21 1,0500.48% Month 22 1,0530.29% Month 23 1,0741.99% Month 24 1,034-3.72% Sum of 12 Monthly Changes-11.79% Annual Interest Earned0.00%

17. Hypothetical example assumptions: $100,000 premium and 3.00% spread The above example is hypothetical and intended to show how the S&P 500 ® Monthly Average Index Interest Account would perform in certain situations. Spreads are re-declared annually and may be higher or lower than the hypothetical 3.00& spread shown in this example. Guarantees are backed by the claims-paying ability of the issuing insurance company. Understanding the S&P 500 ® MONTHLY AVERAGE Index Interest Account 17 Up Year: Interest is credited, reduced by the spread (3.00% in this example) Up Year: Interest is credited, reduced by the spread (3.00% in this example) S&P 500 ® Index Value Date of Issue1,000 Month 1 1,020 Month 2 1,025 Month 3 1,050 Month 4 950 Month 5 1,000 Month 6 1,115 Month 7 1,100 Month 8 1,200 Month 9 1,170 Month 10 1,000 Month 11 1,200 Month 12 1,250 Sum of 12 monthly values 13,080 How the Annual Interest Earned Is Determined 1. Calculate the Monthly Average Index Value 13,080 ÷ 12 = 1,090 2. Find the difference between the Monthly Average Index Value and the initial S&P 500 value 1,090 – 1,000 = 90 3.Divide the difference by the initial index value to determine the average S&P 500 percentage change 90 ÷1,000 = 9.00% 4.Deduct the spread 9.00% - 3.00% = 6.00% ANNUAL INTEREST EARNED +6.00%

18. Hypothetical example assumptions: $100,000 premium and 3.00% spread (reset at 3.00% in the 2 nd year) Understanding the S&P 500 ® MONTHLY AVERAGE Index Interest Account 18 Down Year: With the Power of Zero, no interest is credited. Down Year: With the Power of Zero, no interest is credited. The above example is hypothetical and intended to show how the S&P 500 ® Monthly Average Index Interest Account would perform in certain situations. Spreads are re-declared annually and may be higher or lower than the hypothetical 3.00% spread shown in this example. Guarantees are backed by the claims-paying ability of the issuing insurance company. S&P 500 ® Index Value End of Year 11,160 Month 13 1,350 Month 14 1,300 Month 15 1,400 Month 16 1,200 Month 17 1,350 Month 18 1,100 Month 19 1,000 Month 20 930 Month 21 860 Month 22 920 Month 23 890 Month 24 900 Sum of 12 monthly values 13,200 How the Annual Interest Earned Is Determined 1. Calculate the Monthly Average Index Value 13,200 ÷ 12 = 1,100 2. Find the difference between the Monthly Average Index Value and the initial S&P 500 value 1,100 - 1,160 = -60 3.Divide the difference by the initial index value to determine the average S&P 500 percentage change -60 ÷1,160 = -5.17% 4.Deduct the spread -5.17% - 3.00% = -8.17% ANNUAL INTEREST EARNED 0.00%

19. Understanding the ML STRATEGIC BALANCED INDEX ® 19

20. Understanding the ML Strategic Balanced Index ® ANNUAL POINT-TO-POINT Index Interest Account 20 Hypothetical example assumptions: $100,000 premium and 3.50% spread (reset at 3.50% every year) The above example is hypothetical and intended only to show how the ML Strategic Balanced Index ® Annual Point-to-Point Index Interest Account would perform in certain situations. Spreads are re- declared annually and may be higher or lower than the hypothetical 3.50% spread shown in this example. Guarantees are backed by the claims-paying ability of the issuing insurance company. Up Year: Interest is credited, reduced by the spread (3.50% in this example) Up Year: Interest is credited, reduced by the spread (3.50% in this example) Down Year: No interest is credited. Down Year: No interest is credited. Anniversary 1 ML Strategic Balanced Index Value ML Strategic Balanced Annual Percent Change Deduct the Spread Annual Interest Earned Date of Issue1,000 Anniversary 11,0838.30%8.30% -3.50% = 4.80%+4.80% Anniversary 21,1445.63%5.63% - 3.50% = 2.13%+2.13% Anniversary 31,092-4.55%-4.55 - 3.50% = -8.05%0.00% Anniversary 41,2009.89%9.89% - 3.50% = 6.39%+6.39% Anniversary 51,2564.67%4.67% - 3.50% = 1.17%+1.17% Anniversary 61,125-10.43%-10.43% - 3.50% = -13.93%0.00%

21. Understanding the ML Strategic Balanced Index ® 2-YEAR POINT-TO-POINT Index Interest Account 21 Hypothetical example assumptions: $100,000 premium and 1.50% annualized spread (3% for 2-year term; reset at 1.50% every 2 years) Up Year: Interest is credited, reduced by the annualized spread multiplied by two (3% in this example) Up Year: Interest is credited, reduced by the annualized spread multiplied by two (3% in this example) Down Year: No interest is credited. Down Year: No interest is credited. The above example is hypothetical and intended only to show how the ML Strategic Balanced Index ® 2-Year Point-to-Point Index Interest Account would perform in certain situations. Spreads are re- declared annually and may be higher or lower than the hypothetical 1.50% annualized spread shown in this example. Guarantees are backed by the claims-paying ability of the issuing insurance company. ML Strategic Balanced Index Value ML Strategic Balanced 2-Year Percent Change Deduct the Annualized Spread Multiplied by Two (1.50% x 2 = 3.00%) Annual Interest Earned Date of Issue1,000 Anniversary 11,083 Anniversary 21,14414.40%14.40% - 3.00% = 11.40%+11.40% Anniversary 31,092 Anniversary 41,2004.90%4.90% - 3.00% = 1.90%+1.90% Anniversary 51,256 Anniversary 61,125-6.25%-6.25% - 3.00% = -9.25%0.00%

22. Lifetime Income: Generate Income That Can Rise and Last For Life For agent use only. Not for dissemination to the public. 22

23. SECURE lifetime withdrawals to 200% of eligible premiums when no withdrawals are taken before the 10 th contract anniversary SECURE lifetime withdrawals to 200% of eligible premiums when no withdrawals are taken before the 10 th contract anniversary DOUBLE your Income Base to 200% of eligible premiums when no withdrawals are taken before the 10 th contract anniversary DOUBLE your Income Base to 200% of eligible premiums when no withdrawals are taken before the 10 th contract anniversary GUARANTEE rising income by locking in the greater of annual interest earned or an income credit of up to 7% for the first 10 contract years GUARANTEE rising income by locking in the greater of annual interest earned or an income credit of up to 7% for the first 10 contract years 3 Ways LIFETIME INCOME PLUS ® May Help Maximize Your Retirement Income 23 Note: The Lifetime Income Plus guaranteed living benefit rider is automatically included with select annuities for an annual fee of 0.95% of the Income Base. This fee is deducted from the contract value on each contract anniversary. Guarantees are backed by the claims-paying ability of the issuing insurer. KEY TERMS AND DEFINITIONS Eligible premium: Premiums paid in the first 30 days of the contract. Income Base: The value on which guaranteed withdrawals are based; it is not used in the calculation of the contract value or any other benefits under the contract, and cannot be withdrawn partially or in a lump sum. The Income Base is initially equal to the first eligible premium. The Income Base is increased each time an eligible premium is made. It is also adjusted for excess withdrawals. On each contract anniversary, the Income Base is set to equal the greater of (1) the highest anniversary value, or (2) the current Income Base increased by any available income credit. On the 10th contract anniversary, the Income Base may be increased to the Minimum Income Base (200% of eligible premiums) if no withdrawals have been taken from the contract. Highest Anniversary Value: The contract value on a contract anniversary that is higher than all previous anniversary values.

24. Lifetime Income Plus Can GUARANTEE RISING INCOME for the First 10 Contract Years 24 1. Earn a 7% annual income credit for the first 10 contract years, when no withdrawals are taken. Keep the difference with a partial income credit of at least 1%, when withdrawals are taken within the rider’s terms. Lock in interest for future income. Your Income Base can continue to step up in years when a highest anniversary value is achieved. KEY TERMS AND DEFINITIONS Income Credit: The amount that may be added to your Income Base in each of the first 10 contract years. The annual income credit is 7% of the Income Credit Base in years when no withdrawals are taken. The annual income credit will be reduced by the percentage of the Income Base withdrawn in years when withdrawals are taken. An income credit is not available in years an excess withdrawal is taken. Income Credit Base: A component of the rider that is used solely to calculate the income credit. Initially, the Income Credit Base is equal to the first eligible premium. If the Income Base steps up to your anniversary value on a contract anniversary, your Income Credit Base will also step up to this amount. The Income Credit Base is not increased if your Income Base rises due to the addition of the income credit. The Income Credit Base is adjusted for excess withdrawals and is increased each time an eligible premium is made. Income Credit Period: The period of time over which an income credit may be added to the Income Base. It begins on the contract issue date and ends 10 years later.

25. You Can Be Confident Your RETIREMENT INCOME WILL RISE for Up to 10 Contract Years 25 Hypothetical example assumptions: Power Series Index Annuity with Lifetime Income Plus, issue age 65 and 5% withdrawals in any of the contract’s first 10 years Your income will increase even after withdrawals begin!

26. FLEXIBILITY to Start and Stop Withdrawals During the Income Credit Period 26 Guarantee rising income of 2% in years when 5% withdrawals are taken. Withdrawals in years 6-8 of this example do not impact the 7% income credit in other years! Note: This hypothetical example is intended solely to depict how Lifetime Income Plus might work and does not reflect the performance of any specific contract. This example assumes an issue age of 60.

27. Hypothetical example assumptions: Power Series Index Annuity with Lifetime Income Plus (Single Life), issue age 55, no withdrawals taken in the first 10 contract years, 5% withdrawals beginning at age 65 Lifetime Income Plus Can DOUBLE Your Retirement Income Potential 27 $100,000 Initial Income Base (Eligible Premium) $200,000 Income Base After 10 Years $10,000 Guaranteed Income For Life That’s the equivalent of a 10% withdrawal from the $100,000 premium! Note: This hypothetical example is provided for illustrative purposes only, is not an actual case and assumes no withdrawals before the 10 th contract anniversary. The chart is intended solely to depict how Lifetime Income Plus might work and does not reflect the performance of any specific contract. 2.

28. Lifetime Income Plus Can Help Guarantee MORE INCOME FOR LIFE 28 Withdraw Up to 6% Per Year For Life Maximum Annual Withdrawal Amount (as a percentage of the Income Base) 3. Age of Covered Person(s) at First Withdrawal One Covered Person (Single Life) Two Covered Persons (Joint Life) 75 and older 6.00%5.50% 70 to 745.50%5.00% 65 to 695.00%4.50% 60 to 644.25%3.75% Note: Withdrawals in excess of the Maximum Annual Withdrawal Amount (MAWA) and taken prior to age 60 are considered excess withdrawals and will reduce future income. The MAWA is based on your age at the time of the first withdrawal taken after age 60. The MAWA is based on the age of the older individual if the contract is jointly owned with one covered person, or the age of the younger individual if two people are covered.

29. Client Profile: Meet Jane 29 Profile 60 years old; plans to retire in 5 years Objective Wants to increase her retirement income potential and help supplement her Social Security and pension checks Needs to grow her retirement income, even after withdrawals begin Solution Power Series Index Annuity with Lifetime Income Plus Note: This hypothetical example is provided for illustrative purposes only and is not an actual case.

30. Jane’s Retirement Income Is GUARANTEED TO INCREASE for 10 Years and Last For Life 30 11 Eligible premiums do not include income credits. Individuals should realize that any withdrawals taken during the contract’s first 10 years, including the 10th contract year, will void the opportunity to double the Income Base. Hypothetical example assumptions: Lifetime Income Plus (Single Life), issue age 60, $100,000 premium, 0% interest credited and 5% withdrawals at age 65

31. Jane’s Retirement Income Can Automatically Rise and Is PROTECTED FOR LIFE 31 This hypothetical example is not to scale. It is provided for illustrative purposes only, is not an actual case and assumes 0% interest credited under the contract and no withdrawals taken until year 6. The chart is intended solely to depict how Lifetime Income Plus (Single Life) might work and does not reflect the performance of any specific contract. Hypothetical example assumptions: Lifetime Income Plus (Single Life), issue age 60, $100,000 premium, 0% interest credited and 5% withdrawals at age 65

32. 32 Additional Product Details Power Series Index Annuity

33. Power Series Index Annuity OTHER KEY FEATURES 33 Premium Enhancement—Available in Select Annuities 3% Bonus on all premiums made in the contract’s first 30 days 10 Premium Enhancement Recapture Applies upon annuitization, full surrender, death or partial withdrawals exceeding the 10% Free Withdrawal amount Declines over the contract’s first 10 years: 100-90-80-70-60-50-40-30-20-10-0% 11 State variations apply 10 The premium enhancement rate may differ by state. 11 Your premium enhancement is subject to a recapture schedule, which begins after the first contract anniversary. Each year thereafter, 10% of your premium enhancement becomes vested or locked into your contract value at the end of the contract year. If you take withdrawals in excess of the Free Withdrawal amount before the full premium enhancement is vested at the beginning of the 11th contract year, American General Life Insurance Company will recapture a portion of your premium enhancement. Upon death, annuitization, full surrender or partial withdrawals subject to withdrawal charges, a premium enhancement recapture will be applied on a pro-rata basis, meaning that your premium enhancement will be reduced by the same percentage that the withdrawal in excess of the Free Withdrawal amount reduced the contract value. See the Owner Acknowledgment and Disclosure Statement for more information.

34. 34 12 Minimum withdrawal value calculation may vary by state. 1-year Fixed Interest Account Rate is set at contract issue, guaranteed for one year and subject to change annually Beneficiary Protection Beneficiary receives the greater of the annuity’s contract value or the Minimum Withdrawal Value (87.5% of premiums, less withdrawals, growing at an annual rate of 1% compounded daily) 12 Free Withdrawals 10% of the contract value (as of the previous contract anniversary) after the first contract year No Free Withdrawals in the first contract year. State variations may apply Power Series Index Annuity OTHER KEY FEATURES

35. Access to Money in Times of Need or Illness 13 Terminal illness rider Extended care rider Activities of daily living rider Withdrawal Charge Applies to amounts that exceed the 10% Free Withdrawal amount and declines over a range of 7-10 years, depending on the annuity selected 14 13 Riders provide for waiver of withdrawal charges and any negative or positive Market Value Adjustments (MVA) under certain circumstances. Not available in all states. 14 Withdrawals are subject to income taxes and an additional early withdrawal tax when taken before age 59½. Withdrawals in excess of the Maximum Annual Withdrawal Amount will also reduce your future income under the rider, even if it is a Free Withdrawal. 35 Power Series Index Annuity OTHER KEY FEATURES

36. Premium Requirements $25,000 initial minimum (qualified and non-qualified); no premiums permitted after the contract’s first 30 days 16 Total premiums exceeding $1 million require prior company approval Issue Age with Lifetime Income Plus 50-80 for both owner and annuitant without premium enhancement 50-75 for both owner and annuitant with premium enhancement 36 16 In Oregon, a Power Series Index Annuity can only be issued as a single premium contract. No other premiums may be paid. Power Series Index Annuity OTHER KEY FEATURES

37. Provide Potentially MORE GROWTH and MORE INCOME for Your Retirement 37 The Power Series of Index Annuities offers the opportunity to: PROTECT your principal from market downturns GROW your retirement assets with interest crediting strategies GUARANTEE rising income through Lifetime Income Plus DOUBLE your retirement income potential with Lifetime Income Plus, when no withdrawals are taken in the first 10 contract years

38. Thank you for your time!

39. Additional Information 39 Index annuities are not a direct investment in the stock market. They are long-term insurance products with guarantees backed by the claims- paying ability of the issuing insurance company. They provide the potential for interest to be credited based in part on the performance of the specified index, without the risk of loss of premium due to market downturns or fluctuations. Index annuities may not be suitable or appropriate for all individuals. Withdrawals may be subject to federal and/or state income taxes. An additional 10% federal tax may apply if you make withdrawals or surrender your annuity before age 59½. You should consult a tax advisor regarding your specific situation. Lifetime Income Plus is automatically included at contract issue for an annual fee of 0.95% of the Income Base. Restrictions and limitations apply. Contract and living benefit guarantees are backed by the claims-paying ability of American General Life Insurance Company. The Income Base is adjusted for excess withdrawals and is increased each time an eligible premium is made. On each contract anniversary, the Income Base can increase to the greater of 1) the anniversary value, if it is higher than all previous anniversary values; or 2) the Income Base plus any available income credit. On the 10th contract anniversary, the Income Base may be increased to the Minimum Income Base (200% of eligible premiums) if no withdrawals have been taken from the contract. The S&P 500 ® Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by American General Life Insurance Company and affiliates. Standard & Poor’s ®, S&P ® and S&P 500 ® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones ® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by American General Life Insurance Company and affiliates. American General Life Insurance Company and affiliates’ products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of purchasing such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 ® Index.

40. Additional Information 40 The ML Strategic Balanced Index™ provides systematic, rules-based access to the blended performance of 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 these two underlying indices. 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 American General Life Insurance Company (AGL). AGL’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 AGL’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 (“BofA Merrill Lynch”) indices and related information, the name “BofA Merrill Lynch”, and related trademarks, are intellectual property licensed from BofA Merrill Lynch, and may not be copied, used, or distributed without BofA 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 BofA Merrill Lynch. BOFA MERRILL LYNCH MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY INDEX, ANY 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.

41. Additional Information 41 This material was prepared to support the marketing of The Power Series of Index Annuities. Please keep in mind that American General Life Insurance Company and its 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. You should seek the advice of an independent tax advisor or attorney for more complete information concerning your particular circumstances and any tax statements made in this material. Annuities are issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019. Power Series Index Annuity Modified Single Premium Deferred Fixed Index Annuity (Single Premium Only in Oregon), Contract Number AG-800 (12/12) and AG- 801 (12/12). American General Life Insurance Company (AGL) is a member of American International Group, Inc. (AIG), a leading international insurance organization serving customers in more than 100 countries and jurisdictions. The underwriting risks, financial and contractual obligations and support functions associated with the annuities issued by AGL are its responsibility. AGL does not solicit business in the state of New York. Annuities and riders may vary by state and are not available in all states. Not FDIC or NCUA/NCUSIF Insured May Lose Value No Bank or Credit Union Guarantee Not a Deposit Not Insured by any Federal Government Agency © American International Group, Inc. All rights reserved. I5429CP1 (5/16)