POWERFUL TECHNOLOGY Paired with Trusted Advisors

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AIG Retirement Services

What makes AIG Retirement Services truly different is how we serve your employees.

We believe to successfully engage with unique individuals, it’s critical to offer help and support however they prefer — in person, digitally or a combination of both. That’s why we offer powerful technology paired with trusted advisors.

Working together, ours is an important calling — helping people plan for and achieve the retirement they envision.

At AIG Retirement Services, we deliver a full spectrum of care in order to help employees achieve the unique futures they envision. We meet employees wherever they are and serve them in the way they wish to be served.

Through our innovative participant experience called FutureFIT,® AIG engages all of your employees in a highly personal way to help them achieve Freedom. Individually Tailored. ®

A simple and engaging digital experience combined with a dedicated and caring expert — connects with employees on an individual level.

Digital meets personal

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FutureFIT®

Our Digital EdgeOur award-winning participant website and mobile app use behavioral science principles, streamlined navigation and relatable content to motivate employees to take action.

• Engaging design built with mobile in mind• Modular approach that is intuitive and actionable• Smart technology that allows employees

to focus on future monthly income and dynamic results

Plus, added security through multi-factor authentication and biometric capabilities that deliver both simplicity and security for your employees.

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Our Proprietary Participant Experience

We are committed to transforming the way your employees think about retirement planning through a mix of personalized services, innovative online tools and expert in-person advice.

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A powerful experience that guides employees to take action so they are motivated, proud and confident in their futures.

A Personalized Workspace Encourages ActionMost people use their monthly income to budget; that’s why we put a special emphasis on helping participants think about their future goals in the same way.

• Balance and performance information is front and center, and we put a significant focus on what’s really important — estimated future monthly income

• Personalized messages appear right at the top of the screen, helping participants see exactly where they stand • The FutureFIT calculator encourages immediate action and shows participants how to get — and stay — on track

for their future

Engaging content — from the Financial Education Center

Tools, calculators and engaging content from accredited news organizations provide different perspectives on relevant financial topics.

Check out our mobile

app!

Local Financial Professionals

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To Serve Your Employees

* Researchers used actual contribution data from 65,000 new VALIC participant accounts opened in 2013 with any voluntary contributions through 2016. They compared participants who had advisor contact to those who had no advisor contact. Their rigorous analysis isolates the impact of advisor contact, factoring out the influence of salary, age, gender, marital status and employer match. Those other factors would artificially inflate the impact of contact with an advisor.

For the purpose of the study, researchers defined “advisor contact” as one or more of the following meeting types: 1. An annual review of the participant’s account; 2. An ad-hoc review; 3. A working session to develop a participant’s comprehensive, written financial plan (i.e., Financial 360).

FutureFIT includes a targeted, interactive and personal digital experience. When coupled with the power of a personal conversation, you have an employee experience that is effective, measurable and meaningful.

Our financial advisors get to know your employees — and they’re available to meet wherever and whenever your employees prefer.

Plus, they offer a number of benefits, including:

Source: The Value of the Advisor Study, 2018.

• They put your employees’ needs first Our advisors are available to meet anytime, anywhere — driven solely by helping people make the right decisions to meet their financial goals

• They are local Our advisors are not only part of our organization, but they’re also members of your community

• They are experienced Our financial advisors average 20 years of service helping those who help others

This commitment to in-person client meetings helps our advisors understand each employee’s personal needs and goals, so they can tailor their services uniquely to the individual.

On average, meeting with one of our dedicated financial advisors has led to

increase in participant contributions — and greater retirement income potential.*

When it comes to building trust, experience matters. Our advisors have the licenses, qualifications and work experience necessary to develop financial plans, discuss retirement income strategies and answer any retirement-related questions your employees have. 32%

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Participants value our advisors. We believe there’s no better way to prove the value of our advisors than to show how participants interact with them. That’s why we commissioned a third-party study to hear directly from participants.

Researchers found that compared to those with other providers, participants who work with our financial advisors are significantly more likely to:

• Meet with an advisor before deciding to enroll in their retirement plan

• Meet with an advisor at least twice per year• Prefer working one-on-one with an advisor for

savings and investments

Source: The Value of the Advisor Study, VALIC, 2018.

Supported by today’s leading retirement planning tools and technology, our advisors can have a measurable impact on retirement outcomes.

Financial Advisor-Led Educational WorkshopsIn this digital age, person-to-person engagement continues to be an important factor in driving successful retirement outcomes. That is why we offer robust on-site financial wellness workshops led by our financial advisors. These educational sessions provide a more personalized approach to teaching employees about financial topics that are important to them.

Conquering Student Loan Debt

Your Life in Retirement

Social Security and Your

Retirement

Your Retirement Plan at Work

Cash Management

Estate PlanningInvestment Planning

Tax Planning

Retirement Strategies for

Women

Retirement Income Strategies

Planning for Financial Security

Long-term Care

Source: The Value of the Advisor Study, 2018.

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

Our integrated approach offers a personalized, one-of-a-kind experience 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 however

and whenever they prefer.

Finances are personal.

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

Person-to-Person Makes a Difference

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Personalized Retirement Readiness Tools

Where Digital Meets PersonalRetirement Pathfinder® perfectly pairs advanced technology and in-person guidance. Working with our financial advisor, a participant can use this powerful retirement planning software to model various scenarios, optimize savings strategies, and identify the impact of varying market conditions on their retirement savings accounts. This sophisticated software makes it easy for employees to see how small changes today can impact their future savings tomorrow. With this tool, there is a path to better outcomes!

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Personalized Financial Wellness

FutureFIT University Saving for the future combined with personalized ongoing education is important for financial wellness. That’s why we offer a robust financial literacy and education program that includes:

• One-on-one education from financial advisors • In-depth workshops • Our award-winning digital education platform called

FutureFIT University

FutureFIT University is a personalized digital learning experience based on proven behavioral science and insights. FutureFIT University, powered by EverFi, is a digital education program provided to employees and their families, too. With education from grade school to adult, it includes a series of 20 engaging modules that help demystify complex financial topics such as:

• Retirement planning• Investments• Credit scores and reports and more!

FutureFIT University was the recipient of the EverFi

Financial Capability Innovation Award for 2018.

ENVISION MORE When you partner with AIG, you can count on powerful technology paired with

trusted advisors to help increase employee retirement readiness and overall plan

health. Experience the AIG difference.

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

VC 29551 (03/2019) J238301 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.

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AIG Retirement Services