Updating Summary Prospectus (Form 497VPU)

 

Account Value

The total sum of your Fixed Account Option(s) and/or Variable Investment Option(s) that have not yet been applied to your annuity payments.

 

Advisory Program

The investment advice service provided by your Investment Adviser. Guided Portfolio AdvantageSM / Guided Portfolio Services® are the financial advice services offered by our affiliate, VALIC Financial Advisors, Inc., a registered investment adviser and Company subsidiary ("VFA"). A separate investment advisory fee and agreement are required for either of these services, if available under an employer's retirement plan. Alternatively, you may have enrolled in an Advisory Program offered by a third-party investment adviser who is not affiliated with us. There may also be an advisory fee required by that adviser. You should ask your investment adviser about any fees charged for investment advice provided. For new investors, we no longer honor investment adviser transfer requests in connection with Advisory Programs that are offered through third-party Investment Advisers.

 

Contract

The group and individual fixed and variable deferred annuity contracts summarized in this summary prospectus and described in more detail in the prospectus.

 

Fixed Account Option

An account that is guaranteed to earn at least a minimum rate of interest while invested in VALIC's general account.

 

Fixed Account Plus

A type of Fixed Account Option under the Contract.

 

Investment Adviser

The investment adviser that you have engaged to provide services as part of an Advisory Program. The investment adviser may have been engaged through a third party. For new investors, we only support Advisory Programs that are offered through our affiliate, VALIC Financial Advisors ("VFA"), Inc., a registered investment adviser and our subsidiary. There are typically advisory fees associated with an Advisory Program. Those fees are separate from the Contract's fees and charges.

VALIC is not an investment adviser to any Advisory Program and does not provide any advice under an Advisory Program.

 

Living Benefit

An optional guaranteed minimum withdrawal benefit designed to help you create a guaranteed income stream for a specified period of time or as long as you and your spouse live, even if your entire Account Value has been reduced to zero. Living Benefits are no longer available for purchase.

 

Market Close

The close of regular trading on the NYSE, generally 4:00 p.m., Eastern Time, on each day the NYSE is open for business.

 

Multi-Year Enhanced Option

A type of Fixed Account Option, potentially subject to market value adjustments.

 

Platform Charge

A fee we charge in order to make certain underlying Funds available as an investment option under the Contract.

 

Portfolio Company

The investment portfolio(s) of a registered open-end management investment company, which serves as the underlying investment vehicle for each Division represented in VALIC Separate Account A. Also referred to as Mutual Fund or Fund.

 

Purchase Payment

An amount of money you or your employer pay to VALIC to receive the benefits of a Contract.

 

Short-Term Fixed Account

A type of Fixed Account Option under the Contract.

 

VALIC (we, us, our)

The Variable Annuity Life Insurance Company.

 

Variable Investment Option (or Division)

Any variable investment option under the Contract. Each Variable Investment Option invests in the shares of a single Portfolio Company.

The following is a summary of certain Contract features that have changed since the prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

At a meeting held on April 23, 2025, the Board of Directors (the "Board") of VALIC Company I approved to the investment Sub-Advisory Agreement between The Variable Annuity Life Insurance Company ("VALIC"), the Fund's investment adviser, and T. Rowe Price Associates, Inc. ("T. Rowe Price") and J.P. Morgan Investment Management Inc. ("JPMorgan") with respect to Large Capital Growth Fund. T. Rowe Price and JPMorgan replaced Massachusetts Financial Services Company as the subadvisors to the Fund. In connection with the appointment of T. Rowe Price and JPMorgan, the Board approved a change in the Fund's name to "Large Cap Core Fund", along with changes to the Fund's principal investment strategies and techniques.

At a meeting held on August 5-6, 2025 (the "Meeting"), the Board of Directors (the "Board") of VALIC Company I approved changes to the "Aggressive Growth Lifestyle Fund" name to "Aggressive Allocation Lifestyle Fund", along with changes to the Fund's principal investment strategies and techniques.

At a meeting held on August 5-6, 2025 (the "Meeting"), the Board of Directors (the "Board") of VALIC Company I approved changes to the "Conservative Growth Lifestyle Fund" name to "Conservative Allocation Lifestyle Fund", along with changes to the Fund's principal investment strategies and techniques.

At a meeting held on August 5-6, 2025 (the "Meeting"), the Board of Directors (the "Board") of VALIC Company I approved changes to the "Moderate Growth Lifestyle Fund" name to "Moderate Allocation Lifestyle Fund", along with changes to the Fund's principal investment strategies and techniques.

At a meeting held on January 21-22, 2026 (the "Meeting"), the Board of Directors (the "Board") of VALIC Company I approved to the investment Sub-Advisory Agreement between The Variable Annuity Life Insurance Company ("VALIC"), the fund's investment adviser, and Invesco Advisers, Inc. ("Invesco") with respect to the Small Cap Special Values Fund. In connection with the appointment of Invesco Advisers, Inc. ("Invesco"), the Board approved a change in the Fund's name to "Small Cap Core Fund", along with changes to the Fund's principal investment strategies and techniques.

Important Information You Should Consider About the Contract 

	FEES AND EXPENSES			Location in Prospectus
Are There Charges for Early Withdrawals?	Yes. Your Contract may be subject to surrender charges depending on the series of Contract: •Series 1, 3, 4, 5, 7, 8, 9, and 10. If you withdraw money under the Contract within five years of making a Purchase Payment, you will be assessed a surrender charge of up to 5%, either as a percentage of the amount withdrawn or as a percentage of Purchase Payments made during the last five years, whichever is less. •Series 2, 6, 11, and 12. No surrender charge. For example, if you own a series 1, 3, 4, 5, 7, 8, 9, or 10 Contract and make an early withdrawal, you could pay a surrender charge of up to $5,000 on a $100,000 investment and such surrender charge may be greater if subject to taxes or tax penalities. No surrender charges would apply to a series 2, 6, 11, or 12 Contract. You may be subject to a market value adjustment if you make an early withdrawal or transfer from a Multi-Year Enhanced Option (a type of Fixed Account Option).			Fee Table   Charges and Adjustments - Surrender Charge
Are There Transaction Charges?	Yes. In addition to surrender charges (if applicable), you may also be charged for other transactions. •You may be subject to a market value adjustment if you make an early withdrawal or transfer from a Multi-Year Enhanced Option (a type of Fixed Account Option). •In certain states, you may be subject to a loan application fee and loan interest if you request a loan under the Contract. •Under a series 11 contract, if you transfer amounts from the Fixed Account Plus option to another Investment Option under the Contract (or another funding entity) in excess of the annual limit, you may be subject to a charge of 5% on the excess amount transferred. •There may also be taxes on Purchase Payments.			Fee Table   Charges and Adjustments

If your Contract is through certain employer-sponsored qualified retirement plans, the availability of certain Portfolio Companies can vary based on your employer. Refer to your employer's retirement program documents for a list of the employer-selected Portfolio Companies available in your Contract and any limitations on the number of Portfolio Companies you may choose. All Portfolio Companies may not be available for all plans or Contracts.

The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.corebridgefinancial.com/rs/prospectus-and-reports/annuities. You can also request this information at no cost by calling 1-800-448-2542. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies. See "Investment Restrictions for Optional Living Benefits" in this appendix.

The current expenses and performance information below reflect fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance. 

Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)1	Current Expenses	Platform Charge6	Current Expenses + Platform Charge	Average Annual Total Returns (as of Dec. 31, 2025)
					1 Year	5 Year	10 Year (or life of fund)
Domestic Large-Cap Equity	American Beacon Man Large Cap Growth Fund3, 5 - Investor Class Adviser: American Beacon Advisors, Inc. Sub-Adviser: Numeric Investors LLC	1.12%	None	1.12%	15.86%	11.19%	15.61%*
	Capital Appreciation Fund2 Adviser: VALIC Sub-Adviser: Columbia Management Investment Advisers, LLC	0.73%	None	0.73%	14.19%	14.69%	15.33%
	Dividend Value Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC	0.67%	None	0.67%	18.21%	11.55%	10.40%
	Growth Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock	0.61%	None	0.61%	14.57%	11.57%	15.67%
	Large Cap Core Fund2 Adviser: VALIC Sub-Adviser: JPMIM and T. Rowe Price Company	0.66%	None	0.66%	9.81%	10.02%	14.27%
	Nasdaq-100® Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock	0.42%	None	0.42%	20.42%	14.73%	19.06%
	Stock Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock	0.23%	None	0.23%	17.55%	14.08%	14.46%
	Systematic Core Fund2, 5 Adviser: VALIC Sub-Adviser: Goldman Sachs	0.64%	None	0.64%	14.77%	12.45%	13.89%
	Systematic Growth Fund2, 5 Adviser: VALIC Sub-Advisers: Goldman Sachs Asset Management, L.P. and Wellington Management Company LLP	0.64%	None	0.64%	17.66%	10.29%	14.83%
	Systematic Value Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management	0.65%	None	0.65%	17.41%	13.25%	10.31%
	U.S. Socially Responsible Fund2 Adviser: VALIC Sub-Adviser: BlackRock	0.35%	None	0.35%	14.73%	11.77%	12.91%
	Vanguard Windsor II Fund3 - Investor Shares Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC	0.33%	0.25%	0.58%	18.56%	12.89%	12.61%

Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)1	Current Expenses	Platform Charge6	Current Expenses + Platform Charge	Average Annual Total Returns (as of Dec. 31, 2025)
					1 Year	5 Year	10 Year (or life of fund)
Fixed Income	Core Bond Fund2 Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM	0.48%	None	0.48%	7.64%	-0.16%	2.36%
	Goldman Sachs VIT Government Money Market Fund5 - Institutional Shares Adviser: Goldman Sachs	0.18%	None	0.18%	4.20%	3.18%	2.11%
	Government Securities Fund2 Adviser: VALIC Sub-Adviser: JPMIM	0.58%	None	0.58%	6.66%	-0.49%	1.41%
	High Yield Bond Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management	0.68%	None	0.68%	9.37%	4.20%	5.92%
	Inflation Protected Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management	0.54%	None	0.54%	6.00%	1.06%	2.86%
	International Government Bond Fund2 Adviser: VALIC Sub-Adviser: PineBridge	0.80%	None	0.80%	9.15%	-2.01%	1.64%
	Vanguard Long-Term Investment-Grade Fund3 - Investor Shares Advisers: Wellington Management and Vanguard	0.21%	None	0.21%	7.18%	-3.74%	2.68%
	Vanguard Long-Term Treasury Fund3 - Investor Shares Adviser: Vanguard	0.20%	None	0.20%	5.54%	-7.30%	-0.04%

* Average Annual Total Returns is since inception of the Portfolio Company.

1 The following adviser/sub-adviser abbreviations are used in this table:

2 A VALIC Company I Fund.

3 A Public Fund. If your Contract is a tax-deferred nonqualified annuity that is not part of your employer's retirement plan, the Variable Investment Options that are invested in Portfolio Companies available to the public outside of annuity contracts, life insurance contracts, or certain employer-sponsored retirement plans ("Public Funds") will not be available within your Contract.

4 The Vanguard LifeStrategy Funds' board of trustees allocates each Fund's assets among the underlying funds based on the Fund's investment objective and policies. The board may change these allocations from time to time without shareholder approval. The investment adviser to the underlying funds is Vanguard.

5 This Portfolio Company is subject to an expense reimbursement or fee waiver arrangement resulting in a temporary expense reduction. See the Portfolio Company prospectus for additional information.

6 A Platform Charge may only be increased to the extent that the Base Contract Expense plus the Platform Charge does not exceed 1.05%.

Investment Restrictions For Optional Living Benefits

If you elected an optional Living Benefit, as long as your Living Benefit remains in effect, we require that you allocate your investments in accordance with the investment restrictions applicable to that benefit, as described below. Please see "Appendix B - Living Benefits" for additional information about investment restrictions.

For all optional Living Benefits, investments are not permitted in the following:  

Multi-Year Fixed Option - 3 years

Multi-Year Fixed Option - 5 years

Multi-Year Fixed Option - 7 years

Multi-Year Fixed Option - 10 years

 

IncomeLOCK +6 and IncomeLOCK +8

If you elected IncomeLOCK +6 (Options 1, 2, or 3) on or after February 25, 2013, your Contract is subject to the following investment restrictions while your benefit remains in effect:

Core Bond Fund
Dynamic Allocation Fund
Goldman Sachs VIT Government Money Market Fund
Government Securities Fund
Inflation Protected Fund
International Government Bond Fund
Vanguard Long-Term Investment Grade Fund
Vanguard Long-Term Treasury Fund
Short-Term Fixed Account

If you elected IncomeLOCK +6 (Custom Allocation) on or after February 25, 2013, your Contract is subject to the following investment restrictions while your benefit remains in effect:

Investment Group	Group A: Bond, Cash and Fixed Accounts*	Group B: Equity Maximum	Group C: Limited Equity
Investment Restrictions	30% Minimum 100% Maximum	0% Minimum 70% Maximum	0% Minimum 10% Maximum

Investment Group	Group A: Bond, Cash and Fixed Accounts*	Group B: Equity Maximum	Group C: Limited Equity
Variable Investment Options and/or Fixed Account Options	Fixed Account Plus** Short-Term Fixed Account** Core Bond Fund Goldman Sachs VIT Government Money Market Fund Government Securities Fund Inflation Protected Fund International Government Bond Fund Vanguard Long-Term Investment Grade Fund Vanguard Long-Term Treasury Fund	Aggressive Allocation Lifestyle Fund American Beacon Man Large Cap Growth Fund Asset Allocation Fund Capital Appreciation Fund Conservative Allocation Lifestyle Fund Dividend Value Fund Dynamic Allocation Fund Global Strategy Fund Growth Fund High Yield Bond Fund International Equities Index Fund International Growth Fund International Socially Responsible Fund International Value Fund Large Capi Core Fund Fund Mid Cap Index Fund Mid Cap Value Fund Moderate Allocation Lifestyle Fund Stock Index Fund Systematic Core Fund Systematic Growth Fund Systematic Value Fund T. Rowe Price Retirement 2015 Fund T. Rowe Price Retirement 2020 Fund T. Rowe Price Retirement 2025 Fund T. Rowe Price Retirement 2030 Fund T. Rowe Price Retirement 2035 Fund T. Rowe Price Retirement 2040 Fund T. Rowe Price Retirement 2045 Fund T. Rowe Price Retirement 2050 Fund T. Rowe Price Retirement 2055 Fund T. Rowe Price Retirement 2060 Fund U.S. Socially Responsible Fund Vanguard LifeStrategy Conservative Growth Fund Vanguard LifeStrategy Growth Fund Vanguard LifeStrategy Moderate Growth Fund Vanguard Wellington Fund Vanguard Windsor II Fund	Ariel Appreciation Fund Ariel Fund Emerging Economies Fund Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Core Fund Small Cap Value Fund

* The required allocation to Fixed Account Plus counts against the 30% of your investments that must be allocated to Group A.

** No more than 90% of each Purchase Payment may be allocated on a combined basis to Fixed Account Plus and Short-Term Fixed Account.

If you elected IncomeLOCK +6 (Options 1, 2, or 3) or IncomeLOCK +8 on December 26, 2012 through February 24, 2013, your Contract is subject to the following investment restrictions while your benefit remains in effect:

Core Bond Fund
Dynamic Allocation Fund
Goldman Sachs VIT Government Money Market Fund
Government Securities Fund
Inflation Protected Fund
International Government Bond Fund
Vanguard Long-Term Investment Grade Fund
Vanguard Long-Term Treasury Fund
Short-Term Fixed Account

If you elected IncomeLOCK +6 (Custom Allocation) on December 26, 2012 through February 24, 2013, your Contract is subject to the following investment restrictions while your benefit remains in effect:

Investment Group	Group A: Bond, Cash and Fixed Accounts*	Group B: Equity Maximum	Group C: Limited Equity
Investment Restrictions	30% Minimum 100% Maximum	0% Minimum 70% Maximum	0% Minimum 10% Maximum
Variable Investment Options and/or Fixed Account Options	Fixed Account Plus** Short-Term Fixed Account** Core Bond Fund Goldman Sachs VIT Government Money Market Fund Government Securities Fund Inflation Protected Fund International Government Bond Fund Vanguard Long-Term Investment Grade Fund Vanguard Long-Term Treasury Fund	Aggressive Allocation Lifestyle Fund American Beacon Man Large Cap Growth Fund Asset Allocation Fund Capital Appreciation Fund Conservative Allocation Lifestyle Fund Dividend Value Fund Dynamic Allocation Fund Emerging Economies Fund*** Global Strategy Fund Growth Fund High Yield Bond Fund International Equities Index Fund International Growth Fund International Socially Responsible Fund International Value Fund Large Cap Core Fund Mid Cap Index Fund Mid Cap Value Fund Moderate Allocation Lifestyle Fund Stock Index Fund Systematic Core Fund Systematic Growth Fund Systematic Value Fund T. Rowe Price Retirement 2015 Fund T. Rowe Price Retirement 2020 Fund T. Rowe Price Retirement 2025 Fund T. Rowe Price Retirement 2030 Fund T. Rowe Price Retirement 2035 Fund T. Rowe Price Retirement 2040 Fund T. Rowe Price Retirement 2045 Fund T. Rowe Price Retirement 2050 Fund T. Rowe Price Retirement 2055 Fund T. Rowe Price Retirement 2060 Fund U.S. Socially Responsible Fund Vanguard LifeStrategy Conservative Growth Fund Vanguard LifeStrategy Growth Fund Vanguard LifeStrategy Moderate Growth Fund Vanguard Wellington Fund Vanguard Windsor II Fund	Ariel Appreciation Fund Ariel Fund Emerging Economies Fund*** Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Core Fund Small Cap Value Fund

* The required allocation to Fixed Account Plus counts against the 30% of your investments that must be allocated to Group A.

** No more than 90% of each Purchase Payment may be allocated on a combined basis to Fixed Account Plus and Short-Term Fixed Account.
*** For Living Benefits with an Endorsement Date prior to November 1, 2011, the Emerging Economies Fund (formerly Global Equities Fund) is in Group B. For Living Benefits with an Endorsement Date on or after November 1, 2011, the Emerging Economies Fund is in Group C.

If you elected IncomeLOCK +6 or IncomeLOCK +8 prior to December 26, 2012, your Contract is subject to the following investment restrictions while your benefit remains in effect:

Investment Group	Group A: Bond, Cash and Fixed Accounts*	Group B: Equity Maximum	Group C: Limited Equity
Investment Restrictions	30% Minimum 100% Maximum	0% Minimum 70% Maximum	0% Minimum 10% Maximum

Investment Group	Group A: Bond, Cash and Fixed Accounts*	Group B: Equity Maximum	Group C: Limited Equity
Variable Investment Options and/or Fixed Account Options	Fixed Account Plus Short-Term Fixed Account Core Bond Fund Goldman Sachs VIT Government Money Market Fund Government Securities Fund Inflation Protected Fund International Government Bond Fund Vanguard Long-Term Investment Grade Fund Vanguard Long-Term Treasury Fund	Aggressive Allocation Lifestyle Fund American Beacon Man Large Cap Growth Fund Asset Allocation Fund Capital Appreciation Fund Conservative Allocation Lifestyle Fund Dividend Value Fund Dynamic Allocation Fund Emerging Economies Fund Global Strategy Fund Growth Fund High Yield Bond Fund International Equities Index Fund International Growth Fund International Socially Responsible Fund International Value Fund Large Cap Core Fund Mid Cap Index Fund Mid Cap Value Fund Moderate Allocation Lifestyle Fund Stock Index Fund Systematic Core Fund Systematic Growth Fund Systematic Value Fund T. Rowe Price Retirement 2015 Fund T. Rowe Price Retirement 2020 Fund T. Rowe Price Retirement 2025 Fund T. Rowe Price Retirement 2030 Fund T. Rowe Price Retirement 2035 Fund T. Rowe Price Retirement 2040 Fund T. Rowe Price Retirement 2045 Fund T. Rowe Price Retirement 2050 Fund T. Rowe Price Retirement 2055 Fund T. Rowe Price Retirement 2060 Fund U.S. Socially Responsible Fund Vanguard LifeStrategy Conservative Growth Fund Vanguard LifeStrategy Growth Fund Vanguard LifeStrategy Moderate Growth Fund Vanguard Wellington Fund Vanguard Windsor II Fund	Ariel Appreciation Fund Ariel Fund Emerging Economies Fund** Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Core Fund Small Cap Value Fund

* The required allocation to Fixed Account Plus counts against the 30% of your investments that must be allocated to Group A.

**If you elected your benefit prior to November 1, 2011, the Emerging Economies Fund is in Group B.

IncomeLOCK

If you elected IncomeLOCK on or after July 6, 2010, your Contract is subject to the following investment restrictions while your benefit remains in effect. 

Investment Group	Group A: Bond, Cash and Fixed Accounts	Group B: Equity Maximum	Group C: Limited Equity
Investment Restrictions	20% Minimum 100% Maximum	0% Minimum 70% Maximum	0% Minimum 10% Maximum

Investment Group	Group A: Bond, Cash and Fixed Accounts	Group B: Equity Maximum	Group C: Limited Equity
Variable Investment Options and/or Fixed Account Options	Fixed Account Plus Short-Term Fixed Account Core Bond Fund Goldman Sachs VIT Government Money Market Fund Government Securities Fund Inflation Protected Fund International Government Bond Fund Vanguard Long-Term Investment Grade Fund Vanguard Long-Term Treasury Fund	Aggressive Allocation Lifestyle Fund American Beacon Man Large Cap Growth Fund Asset Allocation Fund Capital Appreciation Fund Conservative Allocation Lifestyle Fund Dividend Value Fund Dynamic Allocation Fund Emerging Economies Fund Global Strategy Fund Growth Fund High Yield Bond Fund International Equities Index Fund International Growth Fund International Socially Responsible Fund International Value Fund Large Cap Core Fund Mid Cap Index Fund Mid Cap Value Fund Moderate Allocation Lifestyle Fund Stock Index Fund Systematic Core Fund Systematic Growth Fund Systematic Value Fund T. Rowe Price Retirement 2015 Fund T. Rowe Price Retirement 2020 Fund T. Rowe Price Retirement 2025 Fund T. Rowe Price Retirement 2030 Fund T. Rowe Price Retirement 2035 Fund T. Rowe Price Retirement 2040 Fund T. Rowe Price Retirement 2045 Fund T. Rowe Price Retirement 2050 Fund T. Rowe Price Retirement 2055 Fund T. Rowe Price Retirement 2060 Fund U.S. Socially Responsible Fund Vanguard LifeStrategy Conservative Growth Fund Vanguard LifeStrategy Growth Fund Vanguard LifeStrategy Moderate Growth Fund Vanguard Wellington Fund Vanguard Windsor II Fund	Ariel Appreciation Fund Ariel Fund Emerging Economies Fund* Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Core Fund Small Cap Value Fund

* If you elected your benefit prior to November 1, 2011, the Emerging Economies Fund is in Group B.

If you elected IncomeLOCK prior to July 6, 2010, your Contract is not subject to investment restrictions while your benefit remains in effect.

Fixed Account Options

The following is a list of Fixed Account Options currently available under the Contract. We may change the features of the Fixed Account Options listed below, offer new Fixed Account Options, and terminate existing Fixed Account Options. We will provide you with written notice before doing so.

Note: If amounts are withdrawn from a Fixed Account Option before the end of its term, we may apply a Contract Adjustment. This may result in a significant reduction in your Contract value.  

Name	Term	Minimum Guaranteed Interest Rate
Fixed Account Plus	1-Year	1%
Short-Term Fixed	1-Year	1%
Multi-Year Enhanced Option (MVA)	3-Year, 5-Year, 7-Year, 10-Year	1%
DCA Fixed Account	6-Month, 12-Month	1%

The Contract is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the "Corporations"). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Contract. The Corporations make no representation or warranty, express or implied to the owners of the Contract or any member of the public regarding the advisability of investing in securities generally or in the Contract particularly, or the ability of the Nasdaq 100 to track general stock market performance. The Corporations' only relationship to the Company ("Licensee") is in the licensing of the Nasdaq® and certain trade names of the Corporations and the use of the Nasdaq 100 which is determined, composed, and calculated by Nasdaq without regard to Licensee or the Contract. Nasdaq has no obligation to take the needs of the Licensee or the owners of the Contract into consideration in determining, composing, or calculating the Nasdaq 100. The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of the Contract to be issued or in the determination or calculation of the equation by which the Contract is to be converted into cash. The Corporations have no liability in connection with the administration, marketing, or trading of the Contract.

THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF NASDAQ 100 OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE CONTRACT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ 100 OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ 100® OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.