Ivy Tech Community College G74532

Transcription

1 Ivy Tech Community College G74532

2 It s your future. It starts NOW! You have the opportunity to take advantage of a fantastic benefit a tax-advantaged way to invest for your future. This booklet tells you about your qualified retirement plan. All you need is 30 minutes or less to read through the information, so don t put it off until later. Get your future headed in the right direction, right away! How much should I contribute toward retirement? The simple answer is, you should contribute as much as you can! If you re not sure how much you can afford, start small and commit to re-evaluating your contribution level amount every year. The important thing is to contribute something, starting right now. Where should I invest? This is an important question, but the answer is not the same for everyone. Your investment choices will depend largely on your risk tolerance and your time horizon. Fortunately, this booklet will help educate you on your investment options within the plan and help you choose the suitable ones for you. Table of contents Participant education Retirement needs worksheet Investor profile questionnaire Investor profile types Enrollment instructions Forms Investment information Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL.

3 Picture your future What do you see yourself doing when you retire? Maybe you re looking forward to spending more time with family and friends. Maybe you want to immerse yourself in a favorite hobby, or go back to school to study a subject that s always fascinated you. Or maybe you hope to travel the world! Fortunately, your retirement plan provides a way to invest in your future however you picture it! Your retirement plan offers: Flexibility You decide how much to contribute. You decide how your money is invested. Convenience Contributions are automatically deducted from each paycheck. You can select from a variety of investment options to fit your needs. Tax benefits Contributions made on a pre-tax basis reduce your current taxable income. Your contributions can grow tax-deferred until withdrawn from your account. Retirement means different things to different people. No matter what your vision for the future may be, you can make it a reality with a little preparation. Getting started It s like 1 2 3! 1. Learn about investing, then complete the worksheets to help you determine what kind of investor you are. 2. Decide how much to contribute and which investment options are suitable for you. 3. Enroll! About AUL Retirement Services American United Life Insurance Company (AUL) is the founding member of OneAmerica and offers a wide range of products and services for retirement plans of individuals and employers. As a leader in the retirement services industry, AUL provides local service through a national network of experienced professionals focusing on the 401(k), 403(b) and 457 markets. Note: Tax qualified retirement plans from AUL are funded by an AUL group annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by American United Life Insurance Company (AUL) are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. R /23/10 1

4 The important thing is to get started as soon as you can! Don t wait Time is money! The first step toward reaching your retirement goals is making the decision to invest. The sooner you start investing, the easier it may be to reach your financial goals. Contributing a little from each paycheck throughout your working life can be a lot easier than trying to contribute a lot at the end. In addition, the earlier you start investing, the less you may need! That s because your money has more time to grow when you start early. The chart below shows the importance of contributing early. Time is money Contributions Account value Note: All individuals are fictitious and all numeric examples are hypothetical. These hypothetical investment returns are for educational purposes only and are not indicative of any particular investment or performance. Hypothetical returns assume reinvestment of earnings. Actual returns or principal value will vary. Balances shown are before reduction for taxes. Eva Earlysaver saves $200 a month from age 25 to 35, contributing a total of $24,000 to her retirement plan over 10 years, then she stops contributions altogether. Lester Latesaver saves the same $200 per month from age 35 to 65, contributing a total of $72,000 to his retirement plan over 30 years. Assuming they both earn an 8 percent annual return on their investments, Eva would have $365,000 at age 65, while Lester would end up with only $284,000. Why? Eva got a head start on her retirement plan. So not only did she contribute less, but she ended up with more! 2 R /30/09

5 The power of tax-deferral Contributions to your qualified retirement plan are made with pre-tax dollars. This means that your contribution is deducted from your pay first, and then you pay taxes on the remainder of your pay. As a result, your current taxable income is reduced so your current income tax burden is less. Amounts withdrawn from a qualified plan are taxable when distributed. Withdrawals prior to age 59½ may be subject to a 10 percent IRS penalty. As an added bonus, the impact to your take-home pay is actually less than the amount of your contribution. For example, Sarah saves $200 per month, or 8 percent of her pay. Her contribution is deducted from her paycheck on a pre-tax basis. This reduces her current taxable income. Although Sarah is contributing $200 per month, her take-home pay is reduced by only $150. In other words, it costs her only $150 to invest $200 today! Sarah sees only a $150 difference in her paycheck, but she is investing $200 for retirement because of federal tax savings. Gross salary: $30,000 per year, $2,500 per month Before joining the plan: Federal income tax withheld (25 percent): $625 FICA tax: $ Total tax: $ Net monthly pay: $1, After joining the plan: Plan contribution: $200/month Federal income tax withheld (25 percent): $575 FICA tax: $ Total tax: $ Net monthly pay: $1, Difference in net monthly pay: $150 Sarah sees only a $150 difference in her paycheck, but she is investing $200 for retirement because of federal tax savings. Note: This information is provided for general educational purposes only. This is not intended to be nor should it be considered legal or tax advice. Changes in tax law may affect the information provided. Investors should consult their legal or tax advisors for personalized assistance and any specific state law requirements. Tax qualified retirement plans from AUL are funded by an AUL group annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. R /17/09 3

6 The real cost of investing The power of pre-tax investing means that every dollar you contribute costs less than a dollar from your paycheck. You may discover that you are able to contribute more than you thought! The table below will help you understand the real cost of contributing for retirement. Find your gross monthly pay in the left column. Choose a monthly contribution percentage. Find where these two numbers intersect. The top number shows how much you will be contributing. The bottom number shows how much your monthly pay will be reduced today. Cost to your paycheck Gross monthly pay Monthly contribution percentage 3% 6% 8% 10% $2,000 You save: $60 $120 $160 $200 It costs: $51 $102 $136 $170 $3,000 You save: $90 $180 $240 $300 It costs: $68 $135 $180 $225 $4,000 You save: $120 $240 $320 $400 It costs: $90 $180 $240 $300 $5,000 You save: $150 $300 $400 $500 It costs: $113 $225 $300 $375 The top number shows approximately how much goes into your plan each month. The bottom number shows today s estimated paycheck reduction. Note: This information is provided for general educational purposes only. This is not intended to be nor should it be considered legal or tax advice. Changes in tax law may affect the information provided. Investors should consult their legal or tax advisors for personalized assistance and any specific state law requirements. 4 R /17/09

7 Tax-deferred earnings Your qualified plan offers another important tax advantage: the money you contribute can grow tax-deferred. This means that as your retirement contributions grow, you have no current tax liability on the earnings. So your contributions and the earnings on your initial investment may accumulate more quickly than if they were in a taxable account. You will eventually have to pay taxes when you withdraw money from your plan. By then, you may be in a lower tax bracket. Tax-deferred versus taxable vehicles Tax Deferred Account After Tax Value of Account Taxable Account 20 years $148,269 $103,788 $96, years $367,038 $256,926 $218, years $839,343 $587,540 $455,677 Your investment can grow faster tax-deferred! Compare: $3,000 annual pre-tax contribution to a qualified retirement plan; with $2,250 annual after-tax investment in a taxable investment vehicle Assume: Both the taxable investment vehicle and the tax-deferred retirement plan earn 8 percent annually The employee is in the 25 percent federal tax bracket The example above is designed to demonstrate the principal of tax deferred compounding. It depicts two hypothetical accounts, a tax deferred account and a taxable account. Each account receives an 8 percent rate of return annually. The tax deferred account has an annual pre-tax contribution of $3,000 ($250/month). The taxable account assume the same contribution but after a 25 percent ordinary income tax is imposed on the contribution as it is after tax money. This result in a contribution of $2,250 per year or $ monthly. The growth on the taxable account is taxed 15 percent reflecting capital gains and dividend tax rate. The tax deferred account is taxed at ordinary income tax rates as a lump sum distribution and due to the size of the lump sum it is taxed at a 30 percent rate. The 8 percent rate of return does not reflect any specific investment and these returns are not guaranteed. Investing involves risk of loss including the potential loss of principal. Your actual results will vary. Tax laws are complex and subject to change. Neither AUL nor its subsidiaries nor agents provide tax or legal advice. Tax qualified retirement plans from AUL are funded by an AUL group annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. R /23/10 5

8 Social Security benefits Social Security probably won t be your only source of retirement income, but it will likely be an important one. You should receive statements on a regular basis from the Social Security Administration, which include a record of your earnings as well as your estimated future benefits. These figures can be very helpful as you estimate how much you need to save. The power of tax-deferred compound growth Imagine someone offered you a choice between a million dollars or a single penny that doubled in value every day. Which would you choose? Believe it or not, the smart choice would be to take the penny, because it would be worth more than a million dollars after just 27 days. After 30 days it would be worth over ten million dollars! Of course, you ll never find an investment that offers a 100 percent daily return. But compound earnings can still be pretty amazing. The more money you invest and the sooner you start, the more quickly your account balance may grow. Compounding example To find out more, visit the Social Security Administration Web site at or call $1,080 $1,166$1,260 $2,159 This example assumes a consistent annual return of 8 percent over a 10 year period without and current taxation. Note: All individuals are fictitious and all numeric examples are hypothetical. These hypothetical investment returns are for educational purposes only and are not indicative of any particular investment or performance. Hypothetical returns assume reinvestment of earnings. Actual returns or principal value will vary. Balances shown are before reduction for taxes. Year one Let s assume you invest $1,000. Your $1,000 earns 8 percent, so after one year you have $1,080. Year two The second year, both your original $1,000 and your $80 earnings earn 8 percent, so now you have $1,166. Year three The third year, all your earnings and your original $1,000 earn 8 percent. You now have $1,260. Year 10 At an 8 percent annual rate of return, your original $1,000 would more than double to $2,159 in 10 years. 6 R /30/09

9 Diversify As an investor, it s important to find balance. You want stability, but you also want your money to grow. You re willing to take on some investment risk, but only up to a certain point. Diversification may sound complicated, but it s actually a pretty simple concept. If you re familiar with the saying Don t put all your eggs in one basket, you re already halfway there. Diversification is all about making sure your retirement portfolio contains a mix of different investments. Diversification can help smooth out the ups and downs in your portfolio. Although you can reduce volatility and risk with diversification, you can t eliminate investment risk altogether. Asset allocation You also need to decide how much of your retirement savings to put in each of the investment classes: stocks, bonds and cash. This is called asset allocation. The amount of your account that you allocate to each investment type will depend largely on your personal situation. How many years do you have until retirement? What amount of risk are you willing to take? What other sources of retirement income are you anticipating? Are there any special needs you or your dependents may have? The use of diversification and asset allocation as part of an overall investment strategy does not assure a profit or protect against loss in a declining market. While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to asset allocation models neither guarantees a profit nor eliminates the possibility of loss. Diversification Spreading your savings among several investment options. Asset allocation Choosing an appropriate mix of investments based on your personal situation. Stocks Ownership in a company, generally issued in the form of shares. A stock s value generally rises and falls with the success of the company. Bonds Debt securities issued by government agencies, municipalities and corporations. Bonds have a specified maturity date and may pay interest at predetermined times. Cash equivalents Short-term securities such as Treasury Bills and money market investments that provide safety and liquidity, but low potential returns. Note: AUL s Retirement Services products offer flexibility and diversity in investment options through our group annuity contract to help plan participants reach their retirement goals. Participants invest in AUL separate accounts, which in turn invest in underlying funds. The use of multiple leading investment companies on a single platform allows access to quality investments and the ability to select investments by specialty without locking into their company s full product lineup. Plan participants own units of an AUL separate account, not shares of any underlying fund. R /25/10 7

10 Risk versus return Over the long term, stocks have historically outperformed bonds and money market investments. So why doesn t everyone just invest in stocks? The amount of investment risk you are willing to take is a very important decision. Remember, all investments possess some element of risk, including possible loss of principal. The trade-off for higher long-term growth potential is greater short-term volatility. The investments that have produced the highest long-term returns have also had the greatest fluctuations in value. Risk is the potential for an investment to lose value. Return is the change in value on an investment. Understanding the relationship between risk and return is very important as you develop your investment strategy: Increased risk offers the potential for a greater return over time, but there is also a greater potential for loss. Lower risk offers the potential for a lower return over time, but there is also less potential for loss. Risk versus return example Balanced Large-cap stock Mid-cap stock Bonds Small-cap stock Money market International/ Global stock Fixed interest Lower risk: Lower potential return Less potential for loss Higher risk: Higher potential return Greater potential for loss Specialty stock In the investment world, risk refers to the elements that determine whether an investment s value or return will be lower or higher than expected. Generally, the greater the risk, the greater the potential return. The risk/return meter above shows the relative risk and return characteristics of different investment types. Note: Subject to change based on market conditions. 8 R /08/09

11 Dollar cost averaging and rebalancing Dollar cost averaging is investing the same amount of money on a regular basis. By saving through payroll deductions to your retirement plan, you are using the principle of dollar cost averaging and you may not even know it! With dollar cost averaging, the number of units that you purchase is determined by their price at the time of purchase. When investment option prices are high, you buy fewer units at a higher average price. When prices are low, you buy more units at a lower average price. Dollar cost averaging is an investment strategy in which you invest a set dollar amount each period. Contributing to your retirement plan works in roughly the same way, because you contribute the same amount to your plan each pay period. When prices are low, your contribution buys more units. When prices are high, your contribution buys fewer units. Over time, this can help moderate the average price of the units you purchase. Keep in mind that dollar cost averaging does not guarantee a profit or protect against a loss. Rebalancing Over time, your portfolio s asset allocation can move away from your target allocation, because some investments perform better than others. If left unadjusted, your portfolio could become either too risky or too conservative. By periodically reviewing your asset allocation, you can rebalance your portfolio and bring your investment mix back in line with your retirement goals. R /17/09 9

12 Now that you ve learned more about investing and about how your retirement plan works, the next step is to figure out an appropriate mix of investments for you. Creating your investment strategy Beyond diversifying your portfolio among different asset classes, you need to find an appropriate mix of investments for your personal situation. This is known as asset allocation. To determine an appropriate asset allocation for contributions, you ll need to consider three things: Your financial goals Your risk tolerance Your time horizon Financial goals How do you envision your retirement? Are you planning a modest lifestyle, or do you want to travel and pursue hobbies? Your idea of retired life plays a major part in determining how much money you ll need to contribute, and how you ll need to invest. Risk tolerance How comfortable are you with fluctuations in your investment value? Some people are comfortable taking on the risk of frequent ups and downs of the market in return for potentially greater long-term returns. Others prefer the slow, steady return of lower-risk investments. Understanding your personal attitude toward risk will help you find the right allocation for your portfolio. Time horizon It s important to think not only about your general attitude toward risk, but also about how long your money will be invested. How many years until you plan to retire? The longer you plan to be invested, the more risk you can potentially afford to take. If you have a shorter time frame, you may want to limit your exposure to higher-risk investments. 10 R /04/09

13 Retirement needs worksheet Here is a worksheet you can use to estimate how much income you ll need in the future and how much you have to invest to help provide that income. Example Line 1: Current income Enter your current annual income. $30,000 $ Line 2: Income needed in retirement Line 3: Social Security benefit Line 4: Replacement income Line 5: Inflation adjustment Line 6: Current assets Line 7: Goal Line 8: Total contributions needed Line 9: Annual contributions needed Line 10: Your monthly investment Estimate the annual income you ll need at retirement by multiplying line 1 by 80 percent. (Needs may vary.) Estimate your future Social Security benefit. Insert the estimated benefit from the annual statement you receive from the Social Security Administration or from the SSA s benefit calculator available at If your estimated benefit isn t available, multiply line 1 by.25 (up to a maximum of $24,636) for a conservative estimate of your benefits. For the estimated annual income you ll need to replace through retirement savings and personal assets, subtract line 3 from line 2. Now adjust your current replacement income for inflation by multiplying line 4 by an inflation factor from table A. Choose the inflation factor below the number of years you have left until you plan to retire. For our example, we assume 20 years left to retirement. Thus, we multiply $16,500 by Enter the value of your current assets (savings, investments, etc.) adjusted for growth. (Example: $40,000 multiplied by an investment factor of 4.66.) $24,000 $ $7,500 $ $16,500 $ $29,865 $ $186,400 $ How much would you need to have at retirement to give you the annual income in line 5? Multiply line 5 by a payout factor from table B. (Our example assumes 3.4 percent inflation, an 8 percent investment return, and that you will need 15 years of retirement income, so we used a payout factor of ) $309,999 $ To find out how much you ll need to contribute, subtract line 6 from line 7. $123,599 $ How much do you need to set aside each year in order to work toward your retirement goal in line 8? Divide line 8 by the present value factor in table A. (Example: $123,599 divided by ) Divide line 9 by 12 to get the amount you need to invest each month toward retirement. $2,701 $ $225 $ You Table A Number of years until retirement Inflation factor ( 3.4 percent inflation) Investment factor (8 percent return) Present value factor ( 8 percent return) Table B Number of years of retirement Payout factor Note: This hypothetical example assumes 3.4 percent inflation and an 8 percent annual investment return. Actual inflation and your investment returns and principal value will differ. R /20/10 11

14 Investor profile questionnaire This questionnaire will help you select an investor profile based on your time horizon and comfort level with investing. The total score recommends which of the five risk profiles is most appropriate for you. Answer these questions and total your score at the bottom. I expect to begin withdrawing money from my retirement account in: 1 year 2 4 years 5 7 years 8 10 years 11+ years Score Once I begin withdrawing money from my retirement account, I expect the withdrawals to last: I want a lump sum distribution 2 4 years 5 7 years 8 10 years 11+ years Score I would take money out of my retirement savings to pay for a large, unexpected expense. To meet my financial goals, my investments must grow at a high rate of return. I prefer investments that are a low risk, even if the returns are lower than the rate of inflation (the rise in prices over time). I prefer an investment strategy designed to grow steadily and avoid sharp ups and downs. When it comes to investing, protecting the money I have is my highest priority. I am unwilling to wait several years to recover from losses I could incur in an extended down market. I always choose investments with the highest possible return even if the investments may frequently experience large declines in value because of higher risk. If I had $1,000 invested in an account, and its value dropped to $850 after six months, I would move all my money to a more conservative account. Strongly agree Agree Neutral Disagree Strongly disagree Transfer your total score to the next page Score TOTAL Scoring Conservative Moderate Balanced Growth Equity growth 12 R /20/10

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17 Strategic Allocation Funds American Century Investments Diversification Made Easy If your goal is And you are willing to assume Then consider To achieve diversification with a single investment Long-Term Growth More Risk Some Risk Less Risk Strategic Allocation: Aggressive Fund Equities: 78% (range: 63% 93%) Bonds: 20% (range: 10% 30%) Cash: 2% (Range: 0% 15%) Long-Term Growth with Moderate Income Strategic Allocation: Moderate Fund Equities: 63% (range: 53% 73%) Bonds: 32% (range: 21% 41%) Cash: 5% (Range: 0% 15%) Preservation of capital with Moderate Income Strategic Allocation: Conservative Fund Equities: 45% (range: 39% 51%) Bonds: 45% (range: 38% 52%) Cash: 10% (Range: 5% 20%) This chart reflects the projected approximate asset allocations under normal conditions for each underlying fund. These allocations will change due to market conditions between periods of rebalancing. The underlying funds actual asset mixes will vary from the neutral mix based on investment performance. Fund managers regularly review the portfolios and will rebalance the asset mix to stay within the underlying funds preset operating ranges. The risk designations are relative only to the three Strategic Allocation Funds and do not represent comparisons with any other investment. Generally, as interest rates rise, bond prices fall. Diversification does not assure a profit or protect against a loss in a declining market. You should consider the underlying fund s investment objectives, risks, and charges and expenses carefully before you invest. The underlying fund s prospectus, which can be obtained by calling (or by visiting contains this and other information about the underlying fund, and should be read carefully before investing. Note: The American Century Investments discussed here are available to participants under retirement plans serviced by American United Life Insurance Company (AUL) through a separate account under an AUL group variable annuity contract. Contributions under a retirement plan purchase units of the AUL separate account which in turns purchases shares of the underlying American Century Investments. Contributions are not directly invested into the American Century Investments. The information discussed here will provide a basic understanding of the objectives, investment philosophy, and general characteristics of the fund. There can be differences between the costs, fees, and performance of the fund and the investment option within the AUL group variable annuity. Registered Group Variable Annuities are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to American United Life Insurance Company, 433 N. Capitol Ave., Indianapolis, Indiana 46204, Before investing, carefully consider the fund s investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. Securities offered through OneAmerica Securities, Inc., member FINRA, SIPC, 433 N. Capitol Ave., Indianapolis, IN 46204, OneAmerica Securities, Inc. is a wholly owned subsidiary of American United Life Insurance Company. American Century Investment Services, Inc., Distributor 2010 American Century Proprietary Holdings, Inc. All rights reserved. IN-FLY R /20/10 15

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19 Ready, set, GO! Account Services and OneAmerica TeleServe Throughout this booklet, you ve received information to help you understand the importance of saving for retirement. You ve filled out worksheets to help you decide how much you need to save and where to invest it. Now comes the most important part enrolling in the plan. It s easy! Whether you prefer to enroll by phone or online, there s an easy-to-use enrollment tool available to you 24 hours a day, seven days a week. Just follow the instructions below. Don t wait enroll today! Your future. Our goal. Products and financial services provided by American United Life Insurance Company a OneAmerica company Account Services Account Services is AUL s secure, interactive participant Web site, which gives you the ability to manage your retirement account from any computer with Internet access. Registration and enrollment: 1. Go to 2. Click on Register. 3. Complete the three-step registration process: Read the Terms and Conditions. If you agree to the terms, mark I accept. Click Next. Enter your Plan Number and Date of Birth. Click Next. Create and confirm your User ID and password. Click Next. Congratulations! You have successfully registered for Account Services. You will now be directed to log in and complete a quick and easy enrollment process, during which you will enter and confirm your deferral information and investment elections. Electronic enrollment is available for most, but not all, plan types. To manage your account using Account Services, just visit OneAmerica TeleServe OneAmerica TeleServe is an interactive voice response (IVR) system that provides a direct link to your retirement account information. Registration and enrollment: 1. Call Enter your Social Security Number. 3. Re-enter the last four digits of your Social Security number. 4. Enter the numeric portion of your Plan Number. 5. Enter your Birth Date (mm/dd/yyyy). 6. Choose and enter a Password. 7. Answer the questions about whether you want to make a deferral contribution and what percentage you want to defer. 8. Enter your investment option elections (Option 2 from the main menu). 9. Indicate whether you have other retirement accounts that you wish to roll over to your AUL retirement plan. OneAmerica TeleServe enrollment is available for most, but not all plan types. To manage your account using OneAmerica TeleServe, just dial , then enter your Social Security number and password. Note: Tax qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered Group Variable Annuities are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to 433 N. Capitol Ave., Indianapolis, IN 46204, Before investing, carefully consider the fund s investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing. R /25/10 17

20 Account Services/OneAmerica TeleServe Web IVR Enrollment Account information Investment option information Request loan (if applicable) Transfer balances Change addess Change deferral percentage Change investment elections Note: All options may not be available to your plan. 18

21 Participant Enrollment Form RA SRA 457 Products and financial services provided by American United Life Insurance Company a OneAmerica company One American Square, P.O. Box 6011 Indianapolis, IN A. Plan Information Please print in UPPER CASE letters in Black or Dark Blue ink! Plan Number G74532 Plan Name Ivy Tech Community College Division B. Participant Information First Name M.I. Last Name Social Security Number or Taxpayer ID Number Sex - - Date of Birth M F / / M M D D Y Y Y Y Street Address Line 1 Street Address Line 2 City State Zip Code Work Telephone Number - - Home Telephone Number - - Address Ext. - C. Employment Information To be Completed by Employer for Employer Sponsored Plans, or by Participant for Voluntary 403(b) and IRA plans. New Participant Rehired Participant Date of Hire: / / Date of Rehire: / / M M D D Y Y Y Y M M D D Y Y Y Y R Page 1 of 2 R /25/09 19

22 D. Participation and Investment Options Contributions I elect to make contributions to be allocated as indicated on the Investment Option Election Form. I hereby authorize my employer to reduce my compensation by % OR $ per as a contribution to the Plan. I elect NOT to make contributions. I understand that I may be entitled to employer contributions or forfeiture reallocations, if applicable, as permitted by the plan. Note: Plan provisions may not allow you to elect not to contribute. Please refer to your Summary Plan Description (SPD) or contact your plan administrator for additional information. This election applies to compensation earned until changed by me through OneAmerica TeleServe ( ), the Internet ( or by paper form. The effective date of this election will be determined by my employer and is dependent upon plan document provisions. Apply any contributions received on my behalf as indicated on the Investment Option Election Form. E. Acknowledgement and Authorization I acknowledge that I have read and understand the provisions and restrictions and confirm receipt of the current prospectus, if applicable, as described in Participant Enrollment Provisions and Restrictions (R-20340). I agree that the above information and statements contained in Participant Enrollment Provisions and Restrictions (R-20340) are true and correct to best of my knowledge and belief and are made a basis for my application. Under penalties of perjury, by signing below, I hereby certify (1) that the Social Security or Taxpayer I.D. Number above is correct and (2) that I am not subject to backup withholding because (a) I have not notified that I am subject to backup withholding as a result of a failure to report interest and dividends, or (b) the Internal Revenue Service (IRS) has notified me that I am no longer subject to backup withholding. The IRS does not require your consent to any portions of this document other than certifications required to avoid backup withholding. For voluntary plans and/or residents of Florida, does this annuity replace an existing insurance or annuity? Yes No If yes, submit any required replacement forms. Participant Signature Date R Page 2 of 2 R /25/09 20

23 Investment Option Election Form Products and financial services provided by American United Life Insurance Company a ONEAMERICA company One American Square, P.O. Box 6011 Indianapolis, IN Please print in UPPER CASE letters in Black or Dark Blue ink! A. Plan Information Plan Number G74532 Division Plan Name Ivy Tech Community College B. Participant Information First Name M.I. Last Name Social Security Number or Taxpayer ID Number - - C. Investment Elections See Participant Enrollment Provisions and Restrictions (R-20340) prior to proceeding Investment Name Internal Code Investment Category Election Percentage AUL Fixed Account I2 Fix Int/Stable Value/Cash % OneAmerica Money Market A4 Fix Int/Stable Value/Cash % Vanguard Short-Term Federal V1 Short-Term Bonds % PIMCO Total Return Q4 Intermediate-Te rm Bonds % AmCent Strategic Alloc Aggres MA Balanced % AmCent Strategic Alloc Conser MC Balanced % AmCent Strategic Alloc Mod MB Balanced % AmCent Equity Income M7 Large-Cap Stocks % MFS Value U4 Large-Cap Stocks % Amer Fds Fundamental Inv 8D Large-Cap Stocks % Fidelity VIP Contrafund E8 Large-Cap Stocks % R dnfl20089f Page 1 of 2 R /11/08 21

24 C. Investment Elections See Participant Enrollment Provisions and Restrictions (R-20340) prior to proceeding Investment Name Internal Code Investment Category Election Percentage State Street Equity 500 Index X2 Large-Cap Stocks % Invesco Mid Cap Core Equity H2 Mid-Cap Stocks % AmCent VP Capital Appreciation M1 Mid-Cap Stocks % AmCent Small Cap Value M6 Small-Cap Stocks % Vanguard VIF Small Comp Growth V4 Small-Cap Stocks % MFS Intl New Discovery U1 Foreign Stocks % Amer Fds EuroPacific Growth 8B Foreign Stocks % AmCent Real Estate NJ Specialty % Totals: 100% D. Acknowledgement and Authorization Must be completed if not attached to Participant Enrollment Form (R or R-20088) I acknowledge that I have read and understand the provisions and restrictions and confirm receipt of the current prospectus, if applicable, as described in Participant Enrollment Provisions and Restrictions (R-20340). I agree that the information contained in Sections A and B of this form are true and correct to best of my knowledge and belief and are made a basis for my application. I further understand that contributions received after the date this form is processed will be invested according to the elections indicated in Section C. Under penalties of perjury, by signing below, I hereby certify (1) that the Social Security or Taxpayer I.D. Number above is correct and (2) that I am not subject to backup withholding because (a) I have not been notified that I am subject to backup withholding as a result of a failure to report interest and dividends, or (b) the Internal Revenue Service (IRS) has notified me that I am no longer subject to backup withholding. The IRS does not require your consent to any portions of this document other than certifications required to avoid backup withholding. Participant Signature Date R dnfl20089f Page 2 of 2 R /11/08 22

25 Participant Enrollment Provisions and Restrictions Products and financial services provided by American United Life Insurance Company a OneAmerica company One American Square, P.O. Box 6011 Indianapolis, IN CONTRIBUTION ALLOCATION AND ACKNOWLEDGEMENT Contributions, other than those directed to the AUL Fixed Interest Account, the Liquid Interest Fund, Guaranteed Interest Fund, or the AUL Stable Value Account, will be allocated to the variable account of the AUL American Unit Trust. The variable account is divided into investment accounts. Each investment account invests exclusively in shares of a specific mutual fund, a mutual fund portfolio or a pooled separate account. The investment return and principal value of the investment accounts will fluctuate, so that when redeemed, units may be worth more or less than the original cost. A current Statement of Additional Information for the AUL American Unit Trust and the OneAmerica Series Fund, Inc. and for any other Mutual Fund being purchased by the Unit Trust for your variable annuity is available at By signing the Participant Enrollment Form, you acknowledge that if you do not complete and include the Investment Option Election Form with this enrollment, you are directing AUL Retirement Services to apply any contributions received on your behalf to the default investment option for the plan. You further acknowledge that these elections will take effect when this form is processed at AUL s Corporate Office. Contributions received after the date your form is processed will be invested according to the elections indicated on the Participant Enrollment Form or Investment Option Election Form until changed by you. It is your responsibility to use the transfer feature through OneAmerica TeleServe ( ) or to log into your secure retirement services account ( to re-direct any defaulted contributions (for which you can direct), if applicable, made to your account into other investment options available for the plan. If you have not already done so, you will need to register and select a password for account access. TRANSFER RESTRICTIONS All or part of your account value may be transferred between the available investment accounts at any time during the accumulation period, but no more frequently than once per day. You can initiate a transfer through OneAmerica TeleServe ( ), or by registering for and then logging into your secure account at 20% Fixed Interest Account (FIA) Transfer Restriction A. If you have $2,500 or more in the Fixed Interest Account at the beginning of the contract year, up to twenty percent (20%) of that amount may be transferred during that contract year. Or, B. If you have less than $2,500 in the Fixed Interest Account at the beginning of the contract year, you may transfer any amount from the Fixed Interest Account during that contract year. PROSPECTUS RECEIPT CONFIRMATION For registered contracts, this material must be preceded by or accompanied by a current prospectus. By signing the Participant Enrollment Form, you acknowledge receipt of a current electronic prospectus or a paper version of the prospectus, of the OneAmerica Series Fund, Inc., the AUL American Unit Trust and for any other Mutual Fund being purchased by the Unit Trust for your variable annuity account or variable insurance portfolio. If an electronic copy of the prospectus was received, you further acknowledge that you have access to a CD-ROM drive in order to view the prospectus. Payment and values provided by the contract when based on investment performance of the Unit Trust are variable and are not guaranteed as to unit value. For 403(b) or 401/403(b) plans, you further acknowledge that you understand the restrictions on distributions from a 403(b) tax deferred annuity as set out in Section 403(b)(11) of the Internal Revenue Code and in the current AUL American Unit Trust Prospectus. For 457 or 401/457 plans, you further acknowledge that you understand the restrictions on distributions from a 457 deferred compensation plan as set out in Section 457 of the Internal Revenue Code and in the current AUL American Unit Trust Prospectus. R Page 1 of 2 R /2/10 23

26 CATCH-UP CONTRIBUTIONS By signing the Participant Enrollment Form, if allowed by your plan, you understand that if you are eligible to make catch-up contributions, any of your elective deferrals that exceed either the elective deferral dollar limit (the Internal Revenue Code (Code) section 402(g) limit), the annual additions limit (the Code section 415 limit), the plan's deferral limit, or the Actual Deferral Percentage (ADP) limit shall be treated as catch-up contributions, up to the applicable catch-up contributions limit for the calendar year. Furthermore, you understand that for any calendar year you have made elective deferrals to a retirement plan sponsored by an unrelated employer as well as to this plan, you are responsible for determining if you have exceeded the Code section 402(g) limit in effect for such taxable (calendar) year. ADDITIONAL PLAN SPECIFIC PROVISIONS OR LIMITATIONS MAY APPLY. PLEASE REFER TO YOUR SUMMARY PLAN DESCRIPTION (SPD) OR CONTACT YOUR PLAN ADMINISTRATOR FOR ASSISTANCE. STATE NOTIFICATION State Specific Fraud Warning Notices for Retirement Services Contract Applications All States Not Listed Below: Any person who knowingly presents a false for fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties. Colorado: It is unlawful to knowingly provide false, incomplete or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment or fines, denial of insurance and civil damages. Any insurance company or representative of an insurance company who knowingly provides false, incomplete or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the department of regulatory agencies. District of Columbia, Maryland: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Florida: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree. Georgia, Vermont: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to civil fines and criminal penalties. Kentucky: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime. Maine, Tennessee, Virginia, Washington: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or denial of insurance benefits. New Jersey: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal civil penalties. Ohio: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Oklahoma: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. Pennsylvania: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. Rhode Island: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. 24 R Page 2 of 2 R /2/10

27 Participant Beneficiary Designation Form Products and financial services provided by American United Life Insurance Company a OneAmerica company One American Square, P.O. Box 6011 Indianapolis, IN Instructions For Participants 1. Read carefully the Information for Plan Participant section. 2. If you wish to designate a beneficiary, complete the Beneficiary Designation section. 3. Sign and date the form at the bottom of the last page. 4. Keep a copy of this form for your records, and return the original to your plan administrator. Information For Plan Participant Trust Information If your beneficiary is a trust, there shall be no obligation to inquire into the terms of the trust, and payment of the proceeds as provided in the designation will be a full discharge from all liability. If, before payment of the proceeds is made, satisfactory proof is presented that the trust has been revoked or is not in effect at your death, the proceeds shall be paid to the next class of beneficiary or to your estate if there is no such beneficiary. If the trust has been created by a will but fails to come into existence for any reason, the proceeds shall be paid to the next class of beneficiary or to your estate, if there is no such beneficiary. If your beneficiary is to be a living trust, provide the name and location of the trustee and the name and date of the trust agreement. Community Property Information Only applicable in: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin. If there has been no previous written notice of a community property interest, then anyone acting on the information contained herein shall be entitled to rely on his/her good faith belief that no such interest exists. By signing this form, you agree to indemnify and hold any such person harmless from the consequences of his/her action. If there is previous written notice of a community property interest, spousal consent if required. This indemnification shall apply to any later payment to a named beneficiary even though: 1. You have not obtained the consent of a former spouse having a community interest; or 2. You and your spouse subsequently divorced; or, 3. Your spouse dies after the date of execution of this designation; or, 4. You and your spouse subsequently sever your interest in the community. Participant Name: Social Security Number: Plan Name: Birth Date: Plan Number: (Page 1 of 2) P /6/07 25

28 Beneficiary Designation Complete this section to designate a beneficiary or beneficiaries. Enter full names, relationship to you (for example, spouse, child, grandchild, etc.) and date of birth (DOB). Indicate any that apply: Initial Election Change Receiving Annuity Payments Benefits are payable to the survivors within the highest class (first, second or third) in equal shares unless specified otherwise here. The rights of other beneficiaries shall terminate upon such payment. The beneficiary or beneficiaries for the benefit payable at my death should be as follows: First Beneficiary(ies) 1. M F NAME (FIRST, M.I., LAST) SOC. SEC. # RELATIONSHIP DOB ADDRESS CITY, STATE, ZIP 2. M F NAME (FIRST, M.I., LAST) SOC. SEC. # RELATIONSHIP DOB ADDRESS CITY, STATE, ZIP 3. M F NAME (FIRST, M.I., LAST) SOC. SEC. # RELATIONSHIP DOB ADDRESS CITY, STATE, ZIP If no first beneficiary is living at the time of the participant s death, proceeds shall be paid to the second beneficiary. Second Beneficiary(ies) 1. M F NAME (FIRST, M.I., LAST) SOC. SEC. # RELATIONSHIP DOB ADDRESS CITY, STATE, ZIP 2. M F NAME (FIRST, M.I., LAST) SOC. SEC. # RELATIONSHIP DOB ADDRESS CITY, STATE, ZIP 3. M F NAME (FIRST, M.I., LAST) SOC. SEC. # RELATIONSHIP DOB ADDRESS CITY, STATE, ZIP If no first or second beneficiary is living at the time of the participant s death, proceeds shall be paid to the third beneficiary. Third Beneficiary(ies) 1. M F NAME (FIRST, M.I., LAST) SOC. SEC. # RELATIONSHIP DOB ADDRESS CITY, STATE, ZIP 2. M F NAME (FIRST, M.I., LAST) SOC. SEC. # RELATIONSHIP DOB ADDRESS CITY, STATE, ZIP 3. M F NAME (FIRST, M.I., LAST) SOC. SEC. # RELATIONSHIP DOB ADDRESS CITY, STATE, ZIP Participant Signature My signature here certifies that I am designating the beneficiary(ies) defined in the Beneficiary Designation section and that I agree to indemnify and hold harmless from the consequences of his/her action anyone acting on the information contained herein. Participant Signature: Date: REQUIRED TO BE COMPLETED IF ANY COMMUNITY PROPERTY EXISTS IN THIS POLICY. Marital Status: I am married (spouse s signature required below) I am not married I consent to this Designation. Spouse s Signature Witness Signature (Required Cannot be Participant) (Page 2 of 2) P /6/07 26

29 Ivy Tech Community College Direct Transfers Products and financial services provided by American United Life Insurance Company a OneAmerica company One American Square, P.O. Box 6011 Indianapolis, IN To initiate a transfer to American United Life Insurance Company (AUL) from TIAA-CREF, please complete this form and forward to AUL at the above address. Please note, TIAA-CREF may require additional forms to process your transfer request. In order to expedite your transfer, please contact TIAA-CREF to obtain any additional forms necessary to process your request. Section I: To Be Completed By Plan Participant I, request a transfer into my AUL account #: G74532 Transfer From (Please mark one box) SRA Account Transfer (intra-plan transfer) from an Internal Revenue Code 403(b)/TDA plan RA Account Transfer (intra-plan transfer) from an Internal Revenue Code 403(b)/TDA plan 457 Account Transfer from a governmental Code Section 457(b) plan Transfer To (Please mark one box) Code Section 403(b)/Tax Deferred Annuity (TDA) Governmental 457(b) plan Current Carrier/Custodian Name: TIAA-CREF Transfer/Rollover Amount Requested % or $ Account Number Telephone Number: Street Address: 730 Third Avenue City, State, Zip: New York, NY Estimated Total Transfer Amount up to $25,000 $25,000-$50,000 $50,000 and above Section II: Signature Section Participant Signature Date Social Security Number Section III: Instructions To Current Carrier/Custodian Please send check to: American United Life Insurance Company 5391 Reliable Parkway Chicago, IL This document will act as a letter of acceptance and verification that these funds will be deposited into an American United Life Insurance Company Group Annuity contract.this transaction is intended to qualify as a direct transfer/rollover and therefore not constitute actual or constructive receipt for Federal income tax purposes. Please provide the following for Code Section 403(b) plans 12/31/86 Balance $ 12/31/88 Balance $ This Transfer/Rollover is (Please complete all applicable) Pre-Tax Dollars $ Pre-Tax Dollars Amount After Tax Dollars $ After-Tax Dollars Amount $ After-Tax Earnings Authorized Home Office Representative Retirement Services Division American United Life Insurance Company Date R /4/08 27

30 28

31 Annualized performance as of 10/31/2011 Investment Option (internal code) Investment Type Exp. Ratio YTD 1 Year 3 Year 5 Year 10 Year or Inception INV Option Inception Fix Int/Stable Value/Cash OneAmerica Money Market (A4) Cash /12/1990 Money Market Current Yield Short-Term Bonds Vanguard Short-Term Federal (V1) Short Term Govt Bond /31/1987 Intermediate-Term Bonds PIMCO Total Return (Q4) Int Term Bond /31/2002 Balanced AmCent Strategic Alloc Aggres (MA) Balanced /15/1996 AmCent Strategic Alloc Conser (MC) Balanced /15/1996 AmCent Strategic Alloc Mod (MB) Balanced /15/1996 Large-Cap Stocks AmCent Equity Income (M7) Large Cap Value /01/1994 MFS Value (U4) Large Cap Value /02/1996 Amer Fds Fundamental Inv (8D) Large Cap Blend /25/2002 Fidelity VIP Contrafund (E8) Large Cap Blend /03/1995 State Street Equity 500 Index (X2) Large Cap Blend /27/1992 Mid-Cap Stocks Invesco Mid Cap Core Equity (H2) Mid Cap Blend /09/1987 AmCent VP Capital Appreciation (M1) Mid Cap Growth /20/1987 Small-Cap Stocks AmCent Small Cap Value (M6) Small Cap Value /31/1998 Vanguard VIF Small Comp Growth (V4) Small Cap Growth /03/1996 Foreign Stocks MFS Intl New Discovery (U1) Foreign Sm/Mid Growth /09/1997 Amer Fds EuroPacific Growth (8B) Foreign Blend /07/2002 Specialty AmCent Real Estate (NJ) Specialty /21/1995 The above returns are historical and past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. The investment return and principal value of the investment accounts will fluctuate, so that a participant's units when redeemed may be worth more or less than their original cost. Any performance reported before AUL first offered an investment account is hypothetical and was calculated by adjusting the underlying fund's performance by current applicable contract charges. Variable products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to 433 N. Capitol Ave., Indianapolis, IN 46204, Before investing, carefully consider the fund's investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing. Group variable annuity contracts issued by American United Life Insurance Company (AUL) are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. Qualified retirement plans from AUL are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Standardized Average Annual Returns are reported on a calendar quarter basis. The performance data is based on the date the investment account was first offered through the AUL American Unit Trust. These performance results show the percentage change on an annualized basis for each period with dividends, capital gains and income reinvested. The returns reflect the reduction of all recurring expenses. Additional risks associated with international investing include, but are not limited to, currency fluctuations, economic, political and social events, lack of liquidity, differences in accounting and the limited availability of information. 29

32 Annualized performance as of 10/31/2011 Investment Option (internal code) Investment Type Exp. Ratio YTD 1 Year 3 Year 5 Year 10 Year or Inception INV Option Inception Emerging markets involve risks in addition to those generally associated with foreign securities, because political and economic structures in many emerging markets may be undergoing significant evolution and rapid development. Risks for micro, small and mid cap companies can include, for instance, business risks, increased volatility and reduced liquidity. Sector funds may experience greater short-term price volatility than more diversified equity funds, and are most suitable for the aggressive portion of an investment portfolio. Investors cannot invest directly in any index. 30

33 Standardized performance as of 09/30/2011 Investment Option (internal code) Investment Type Exp. Ratio YTD 1 Year 3 Year 5 Year 10 Year or Inception AUL Inception Fix Int/Stable Value/Cash OneAmerica Money Market (A4) Cash /12/1990 Money Market Current Yield Short-Term Bonds Vanguard Short-Term Federal (V1) Short Term Govt Bond /01/2001 Intermediate-Term Bonds PIMCO Total Return (Q4) Int Term Bond /01/2003 Balanced AmCent Strategic Alloc Aggres (MA) Balanced /01/2002 AmCent Strategic Alloc Conser (MC) Balanced /01/2002 AmCent Strategic Alloc Mod (MB) Balanced /01/2002 Large-Cap Stocks AmCent Equity Income (M7) Large Cap Value /01/2001 MFS Value (U4) Large Cap Value /01/2002 Amer Fds Fundamental Inv (8D) Large Cap Blend N/A /23/2006 Fidelity VIP Contrafund (E8) Large Cap Blend /28/1995 State Street Equity 500 Index (X2) Large Cap Blend /01/1993 Mid-Cap Stocks Invesco Mid Cap Core Equity (H2) Mid Cap Blend /01/2002 AmCent VP Capital Appreciation (M1) Mid Cap Growth /01/1994 Small-Cap Stocks AmCent Small Cap Value (M6) Small Cap Value /01/2001 Vanguard VIF Small Comp Growth (V4) Small Cap Growth N/A N/A /27/2010 Foreign Stocks MFS Intl New Discovery (U1) Foreign Sm/Mid Growth /01/2002 Amer Fds EuroPacific Growth (8B) Foreign Blend N/A /23/2006 Specialty AmCent Real Estate (NJ) Specialty N/A /24/2007 The above returns are historical and past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. The investment return and principal value of the investment accounts will fluctuate, so that a participant's units when redeemed may be worth more or less than their original cost. Any performance reported before AUL first offered an investment account is hypothetical and was calculated by adjusting the underlying fund's performance by current applicable contract charges. Variable products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to 433 N. Capitol Ave., Indianapolis, IN 46204, Before investing, carefully consider the fund's investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing. Group variable annuity contracts issued by American United Life Insurance Company (AUL) are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. Qualified retirement plans from AUL are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Standardized Average Annual Returns are reported on a calendar quarter basis. The performance data is based on the date the investment account was first offered through the AUL American Unit Trust. These performance results show the percentage change on an annualized basis for each period with dividends, capital gains and income reinvested. The returns reflect the reduction of all recurring expenses. Additional risks associated with international investing include, but are not limited to, currency fluctuations, economic, political and social events, lack of liquidity, differences in accounting and the limited availability of information. 31

34 Standardized performance as of 09/30/2011 Investment Option (internal code) Investment Type Exp. Ratio YTD 1 Year 3 Year 5 Year 10 Year or Inception AUL Inception Emerging markets involve risks in addition to those generally associated with foreign securities, because political and economic structures in many emerging markets may be undergoing significant evolution and rapid development. Risks for micro, small and mid cap companies can include, for instance, business risks, increased volatility and reduced liquidity. Sector funds may experience greater short-term price volatility than more diversified equity funds, and are most suitable for the aggressive portion of an investment portfolio. Investors cannot invest directly in any index. 32

35 Release Date: AUL Fixed Interest Account... Overall Morningstar Rating Morningstar Return Morningstar Risk... Investment Strategy from investment's prospectus This is an interest-earning investment option, backed by AUL's general account assets. AUL guarantees that interest will be credited at the higher of the rate guaranteed in the group annuity contract and the current rate declared by it. AUL may change the initial interest rate for future contributions. New contributions are guaranteed to earn the applicable initial interest rate for at least a one-year time period from the date contributions are made. Changes in the initial interest rate or in the interest rate for prior contributions will also be effective for at least one year. In no event will the interest rate ever be below the rate guaranteed in the group annuity contract. AUL bears the investment risk for the AUL Fixed Interest Account values and for paying interest. Category Description: Stable Value Stable-value portfolios seek to provide income while preventing price fluctuations. The most common stable-value portfolios invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to guarantee against fluctuations in their share prices. These wrapper agreements typically provide price stability on a day-to-day basis, thereby insulating each portfolio's net asset value from interest-rate volatility. Therefore, their true overall durations are effectively zero. What do Stable Value Funds Invest in? Stable Value funds tend to invest in high-quality bonds with short- to intermediate-term maturities. They also purchase insurance contracts which aim to provide price stability on a day-to-day basis. The horizontal axis of the Morningstar fixed-income Style Box shows duration, a measure of how a fund's price will change in response to interest-rate changes. Because stable value funds insurance contracts usually prevent any fluctuations in the funds prices, these funds are insulated from interest-rate volatility and their duration is effectively zero. The Style Box represents a typical stable value fund and is not based on specific information from this particular fund. Volatility Analysis Category Low Moderate High The volatility measure is not displayed for investments with fewer than three years of history. The category average, however, is shown above. Portfolio Analysis as of Composition as of Bond Cash 1.20 Commingled Mortgages Top 20 Holdings as of FHLB 0.48 GNMA CMO 5% Dreyfus Treasury & Agency Csh Mgmt Instl 0.25 Fifth Third US Treasury MMkt I 0.25 Amer Tower Tr CMO % Fmr 144A 6.5% Lake County Trust 0.24 GNMA CMO 5.5% Catholic Healthcare West Sr Notes GNMA CMO 5.5% Illinois Tool Wks 6.25% Medco Health Solutions 7.125% Tyco Intl Ltd / Tyco Intl Fin 6.875% Western Un 5.93% BlackRock Liquidity TempFund Instl 0.20 FNMA CMO 4% Fonterra Co-Operative Grp Ltd Sr Notes GNMA CMO 5.5% Siemens Fin Nv 144A 6.125% Timberstar Tr CMO 5.668% Total Number of Stock Holdings 45 Total Number of Bond Holdings 1321 Annual Turnover Ratio %. Total Fund Assets ($mil). Operations Redemption Fee. Admin Cost. Advisor. Portfolio Manager(s) No manager information is available. F-I Statistics as of Avg Eff Duration 5.12 Avg Eff Maturity 7.37 Avg Wtd Coupon 5.85 Avg Wtd Price Market Sectors as of % Fund Consumer Non Cyclicals Electric Capital Goods Natural Gas 7.12 Communications 5.84 Credit Analysis as of % Bonds AAA 16 AA 6 A 26 BBB 33 BB 3 B 0 Below B 0 NR/NA 15 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Please refer to the Disclosure document for transfer restrictions from the AUL Fixed Interest Account Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R

36 Release Date: OneAmerica Money Market... Investment Strategy from investment's prospectus The investment seeks to provide current income while preserving assets and maintaining liquidity and investment quality. The fund invests in high-quality, short-term money market instruments that the Investment Adviser has determined present minimal credit risk. It invests only in money market instruments denominated in U.S. dollars that mature in thirteen months or less from the date of purchase, as calculated under Rule 2a-7 under the Investment Company Act. The investment adviser determines whether a money market instrument has the required minimal credit risk under procedures adopted by the Board. Category Description: Money Market-Taxable Taxable money market funds invest in short-term money market securities in order to provide a level of current income that is consistent with the preservation of capital. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year Year Year. 615 Portfolio Analysis as of Composition as of Volatility Analysis Risk: Below Average U.S. Stocks 0.0 Non-U.S. Stocks 0.0 Bonds 0.0 Cash Other 0.0 In the past, this investment has shown a relatively small range of price fluctuations relative to other investments. Based on this measure, currently more than two thirds of all investments have shown higher levels of risk. Consequently, this investment may appeal to investors looking for a conservative investment strategy. Morningstar Style Box as of Ltd Mod Ext High Med Low Operations Redemption Fee. Expense Ratio 0.53% of fund assets Initial Class Inception Date Fund Inception Date Advisor American United Life Insurance Company Total Fund Assets($mil) Portfolio Manager(s) David M. Weisenburger, CFA (1998). B.S., University of Cincinnati, Since Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-13296N

37 Release Date: Vanguard Short-Term Federal... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQ Above Average Average Out of 129 Short Government funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks current income while maintaining limited price volatility. The fund invests at least 80% of assets in short-term bonds issued by the U.S. government and its agencies and instrumentalities, many of which are not backed by the full faith and credit of the U.S. government. It is expected to maintain a dollar-weighted average maturity of 1 to 4 years. Portfolio Analysis as of Composition as of U.S. Stocks 0.0 Non-U.S. Stocks 0.0 Bonds 81.6 Cash 17.9 Other 0.5 Morningstar Style Box as of Avg Eff Duration 2.04 Avg Eff Maturity 2.30 Avg Wtd Coupon 2.54 Avg Wtd Price Ltd Mod Ext High Med Low Category Description: Short Government Short government funds concentrate on bonds backed by the U.S. government or by government-linked agencies. This backing minimizes the credit risk of these funds, as the U.S. government is unlikely to default on its debt. These funds have average durations of between one and 3.5 years, so they have relatively less sensitivity to interest rates, and thus low risk potential. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQQ Year QQQQ Year QQQQ 105 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Top 20 Holdings as of FNMA 0.75% FHLBA 3.625% FHLMC 0.75% FNMA 0.875% FNMA 0.7% FNMA 1.99 FNMA 1.98 FNMA 0.75% FNMA 3.625% FHLMC 0.625% FHLMC 0.75% Fnma 15yr 3.5 Tba Apr 1.55 FNMA 1.625% FNMA 1.51 FNMA 1.50 FHLMC 1% FNMA 2.375% FNMA 2.05% FNMA 2% US Treasury Note 0.625% Total Number of Stock Holdings 0 Total Number of Bond Holdings 337 Annual Turnover Ratio % 211 Total Fund Assets ($mil) 5, Volatility Analysis Investment Category Low Moderate High In the past, this investment has shown a relatively small range of price fluctuations relative to other investments. Based on this measure, currently more than two thirds of all investments have shown higher levels of risk. Consequently, this investment may appeal to investors looking for a conservative investment strategy. Risk Measures as of Port Avg Rel BC Aggr Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund % Category U.S. Credit Non-U.S. Credit Mortgage U.S. Government Credit Analysis as of Operations Redemption Fee. Expense Ratio 0.22% of fund assets Initial Class Inception Date Fund Inception Date Advisor Vanguard Group, Inc. % Bonds AAA 100 AA 0 A 0 BBB 0 BB 0 B 0 Below B 0 NR/NA 0 Portfolio Manager(s) Ronald M. Reardon. M.B.A., University of Rochester. B.S., College of New Jersey. Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-13591N 35

38 Release Date: PIMCO Total Return... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQQ High Average Out of 1017 Intermediate-Term Bond funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks maximum total return. The fund normally invests at least 65% of total assets in a diversified portfolio of Fixed-Income Instruments of varying maturities, which may be represented by forwards or derivatives such as options, futures contracts, or swap agreements. It invests primarily in investment-grade debt securities, but may invest up to 10% of total assets in high-yield securities ( junk bonds ). The fund may invest in derivative instruments, such as options, futures contracts or swap agreements, or in mortgage- or asset-backed securities. Category Description: Intermediate-Term Bond Intermediate-term bond funds have average durations that are greater than 3.5 years and less than six years. Most of the funds rotate among a variety of sectors in the bond market, based upon which appear to offer better values. Whatever types of bonds they hold, these funds are less sensitive to interest rates, and therefore less volatile, than funds that have longer durations. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQQ Year QQQQQ Year QQQQQ 567 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of %Net U.S. Stocks 0.0 Non-U.S. Stocks 0.0 Bonds Cash Other Total Top 20 Holdings as of Pimco Fds Private Account Portfolio Se FNMA 4.5% TBA FNMA 5% TBA FNMA US Treasury (Fut) FNMA FNMA 4% TBA US Treasury Note 1.875% BRAZIL NTN-F US Treasury Note 2.125% FNMA 0.75% Irs Usd R 3ml/ /15/10 Boa US Treasury Note 2.5% US Treasury Bond US Treasury Note 0.5% US Treasury Note 0.625% US Treasury Note 0.75% Cdx Ig15 5y Sp Boa Japan Treasury Disc Bill # US Treasury Note 0.5% Total Number of Stock Holdings 0 Total Number of Bond Holdings Annual Turnover Ratio % 430 Total Fund Assets ($mil) 242, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a relatively small range of price fluctuations relative to other investments. Based on this measure, currently more than two thirds of all investments have shown higher levels of risk. Consequently, this investment may appeal to investors looking for a conservative investment strategy. Morningstar Style Box as of Avg Eff Duration 5.05 Avg Eff Maturity 7.12 Not Avg Wtd Coupon 4.86 Available Avg Wtd Price. Risk Measures as of Port Avg Rel BC Aggr Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund % Category U.S. Credit Non-U.S. Credit Mortgage U.S. Government Credit Analysis Not Available % Bonds Operations Redemption Fee. Expense Ratio 1.10% of fund assets Initial Class Inception Date Fund Inception Date Advisor Pacific Investment Management Co LLC Portfolio Manager(s) William H. Gross, CFA. B.A., Duke University, M.B.A., University of California, Los Angeles (Anderson). Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-17027N

39 Release Date: American Century Strategic Allocation: Aggressive... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQ Above Average Below Average Out of 289 Aggressive Allocation funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks the highest level of total return consistent with its asset mix. The fund is an asset allocation fund and diversifies its assets among various classes of investments such as equity securities, bonds and money market instruments. It usually invests 79% of assets in equities, 20% of assets in bonds, and 1% of assets in cash equivalents. The fund also invests in a variety of debt securities payable in both U.S. and foreign currencies. Category Description: Aggressive Allocation Aggressive-allocation portfolios seek to provide both capital appreciation and income by investing in three major areas: stocks, bonds, and cash. These portfolios tend to hold larger positions in stocks than moderate-allocation portfolios. These portfolios typically have 70% to 90% of assets in equities and the remainder in fixed income and cash. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQ Year QQQQQ Year QQQQ 83 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 57.5 Non-U.S. Stocks 21.1 Bonds 18.7 Cash 2.5 Other 0.2 Top 20 Holdings as of JPMorgan US Treasury Plus MMkt Agency 2.16 US Treasury Note 1.375% ExxonMobil Corporation 1.39 Apple, Inc US Treasury Note 0.625% General Electric Company 0.78 Chevron Corporation 0.71 US Treasury Bond 2.5% Microsoft Corporation 0.67 International Business Machines Corp 0.59 AT&T, Inc ConocoPhillips 0.55 Johnson & Johnson 0.54 Procter & Gamble Company 0.54 Google, Inc Wells Fargo Company 0.53 Accenture PLC 0.52 Oracle Corporation 0.50 FNMA 5% Verizon Communications Inc 0.49 Total Number of Stock Holdings 1197 Total Number of Bond Holdings 581 Annual Turnover Ratio % 98 Total Fund Assets ($mil) 1, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Morningstar Style Box as of (EQ) ; (F-I) Value Blend Growth Large Mid Small Ltd Mod Ext Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 23, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 6.75 Consumer Cyclical Financial Services Real Estate 3.71 Sensitive Communication Services 4.04 Energy Industrials Technology Defensive Consumer Defensive 8.99 Healthcare 8.59 Utilities 1.53 High Med Low Operations Redemption Fee. Expense Ratio 1.21% of fund assets Initial Class Inception Date Fund Inception Date Advisor American Century Inv Mgt, Inc. Portfolio Manager(s) Irina Torelli, CFA. Stanford University. B.A., Rome University. Since Enrique Chang. M.S., New York University, M.B.A., New York University, B.A., Fairleigh Dickinson University, Since Scott Wittman, CFA (1985). M.B.A., Indiana, B.S., Indiana, Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-15419N 37

40 Release Date: American Century Strategic Allocation: Conservative... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQ Average Average Out of 542 Conservative Allocation funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks the highest level of total return consistent with its asset mix. The fund is an asset allocation fund and diversifies its assets among various classes of investments such as equity securities, bonds and money market instruments. It usually invests 45% of assets in equities, 47% of assets in bonds, and 8% of assets in cash equivalents. The fund also invests in a variety of debt securities payable in both U.S. and foreign currencies. Category Description: Conservative Allocation Conservative-allocation funds seek to provide both capital appreciation and income by investing in three major areas: stocks, bonds, and cash. These funds tend to hold smaller positions in stocks than moderate-allocation funds. These funds typically have 20% to 50% of assets in equities and 50% to 80% of assets in fixed income and cash. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQ Year QQQQ Year QQQ 165 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 37.4 Non-U.S. Stocks 7.2 Bonds 46.6 Cash 8.5 Other 0.3 Top 20 Holdings as of JPMorgan US Treasury Plus MMkt Agency 5.85 US Treasury Note 1.375% US Treasury Note 0.625% US Treasury Bond 2.5% US Treasury Note 1.375% FNMA 5.375% FNMA 5.5% US Treasury Note 2.625% GNMA 4% ExxonMobil Corporation 0.80 US Treasury Note 3% GNMA 6.5% US Treasury Note 2.125% Chevron Corporation 0.67 US Treasury Note 1.375% US Treasury Note 1.125% General Electric Company 0.62 US Treasury Bond 4.375% US Treasury Note 1.25% US Treasury Note 0.5% Total Number of Stock Holdings 1111 Total Number of Bond Holdings 456 Annual Turnover Ratio % 74 Total Fund Assets ($mil) Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a relatively small range of price fluctuations relative to other investments. Based on this measure, currently more than two thirds of all investments have shown higher levels of risk. Consequently, this investment may appeal to investors looking for a conservative investment strategy. Morningstar Style Box as of (EQ) ; (F-I) Value Blend Growth Large Mid Small Ltd Mod Ext Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 25, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 4.53 Consumer Cyclical 9.94 Financial Services Real Estate 5.62 Sensitive Communication Services 4.64 Energy Industrials Technology Defensive Consumer Defensive 9.90 Healthcare Utilities 2.72 High Med Low Operations Redemption Fee. Expense Ratio 1.02% of fund assets Initial Class Inception Date Fund Inception Date Advisor American Century Inv Mgt, Inc. Portfolio Manager(s) Irina Torelli, CFA. Stanford University. B.A., Rome University. Since Enrique Chang. M.S., New York University, M.B.A., New York University, B.A., Fairleigh Dickinson University, Since Scott Wittman, CFA (1985). M.B.A., Indiana, B.S., Indiana, Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-15421N

41 Release Date: American Century Strategic Allocation: Moderate... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQ Above Average Below Average Out of 830 Moderate Allocation funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks the highest level of total return consistent with its asset mix. The fund is an asset allocation fund and diversifies its assets among various classes of investments such as equity securities, bonds and money market instruments. It usually invests 64% of assets in equities, 31% of assets in bonds, and 5% of assets in cash equivalents. The fund also invests in a variety of debt securities payable in both U.S. and foreign currencies. Category Description: Moderate Allocation Moderate-allocation funds seek to provide both capital appreciation and income by investing in three major areas: stocks, bonds, and cash. These funds tend to hold larger positions in stocks than conservative-allocation funds. These funds typically have 50% to 70% of assets in equities and the remainder in fixed income and cash. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQ Year QQQQ Year QQQQ 384 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 46.9 Non-U.S. Stocks 15.5 Bonds 30.5 Cash 6.6 Other 0.4 Top 20 Holdings as of JPMorgan US Treasury Plus MMkt Agency 4.37 US Treasury Note 1.375% US Treasury Note 0.625% ExxonMobil Corporation 1.15 US Treasury Bond 2.5% Chevron Corporation 0.79 General Electric Company 0.75 Apple, Inc FNMA 5.5% Microsoft Corporation 0.62 AT&T, Inc FHLMC 2.5% Johnson & Johnson 0.60 Wells Fargo Company 0.58 US Treasury Note 2.625% ConocoPhillips 0.54 GNMA 4% International Business Machines Corp 0.53 US Treasury Note 1.375% Procter & Gamble Company 0.52 Total Number of Stock Holdings 1261 Total Number of Bond Holdings 792 Annual Turnover Ratio % 87 Total Fund Assets ($mil) 1, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a relatively small range of price fluctuations relative to other investments. Based on this measure, currently more than two thirds of all investments have shown higher levels of risk. Consequently, this investment may appeal to investors looking for a conservative investment strategy. Morningstar Style Box as of (EQ) ; (F-I) Value Blend Growth Large Mid Small Ltd Mod Ext Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 25, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 6.52 Consumer Cyclical Financial Services Real Estate 4.21 Sensitive Communication Services 4.47 Energy Industrials Technology Defensive Consumer Defensive 9.37 Healthcare 8.94 Utilities 2.03 High Med Low Operations Redemption Fee. Expense Ratio 1.08% of fund assets Initial Class Inception Date Fund Inception Date Advisor American Century Inv Mgt, Inc. Portfolio Manager(s) Irina Torelli, CFA. Stanford University. B.A., Rome University. Since Enrique Chang. M.S., New York University, M.B.A., New York University, B.A., Fairleigh Dickinson University, Since Scott Wittman, CFA (1985). M.B.A., Indiana, B.S., Indiana, Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-15420N 39

42 Release Date: American Century Equity Income... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQQ High Low Out of 1114 Large Value funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks current income; capital appreciation is a secondary consideration. The fund invests in equity securities with a favorable income-paying history that have prospects for income payments to continue or increase. It invests at least 80% of its assets in equity securities at all times regardless of the movement of stock prices generally and invests at least 85% of its assets in income-paying securities. The fund also invests in equity securities of companies that the advisor believes are undervalued and have the potential for an increase in price. Category Description: Large Value Large-value funds focus on big companies that are less expensive or growing more slowly than other large-cap stocks. These funds often feature investments in energy, financial, or manufacturing sectors. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQQQ Year QQQQQ Year QQQQQ 543 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 67.4 Non-U.S. Stocks 5.1 Bonds 3.1 Cash 1.9 Other 22.6 Top 20 Holdings as of ExxonMobil Corporation 3.94 Bk Amer Pfd 3.91 Annaly Cap Mgmt Cv 4% M Company 3.02 Johnson & Johnson 2.97 Total SA 2.91 Procter & Gamble Company 2.79 Consolidated Edison, Inc Invitrogen Cv 3.25% United Parcel Service, Inc AT&T, Inc Lincare Hldgs Cv 2.75% Chevron Corporation 2.15 Kimberly-Clark Corporation 2.05 Best Buy Cv FRN Bristol-Myers Squibb Company 2.02 SPDR S&P Merck & Co, Inc Marsh & McLennan Companies, Inc General Mills, Inc Total Number of Stock Holdings 66 Total Number of Bond Holdings 3 Annual Turnover Ratio % 146 Total Fund Assets ($mil) 9, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a relatively small range of price fluctuations relative to other investments. Based on this measure, currently more than two thirds of all investments have shown higher levels of risk. Consequently, this investment may appeal to investors looking for a conservative investment strategy. Morningstar Style Box as of % Mkt Cap Giant Large Medium Small Micro 0.00 Value Blend Growth Large Mid Small Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 34, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 0.32 Consumer Cyclical 2.34 Financial Services Real Estate 0.04 Sensitive Communication Services 4.98 Energy Industrials Technology 4.08 Defensive Consumer Defensive Healthcare Utilities Operations Redemption Fee. Expense Ratio 0.97% of fund assets Initial Class Inception Date Fund Inception Date Advisor American Century Inv Mgt, Inc. Portfolio Manager(s) Phillip N. Davidson, CFA. M.B.A., Illinois State University, B.S., Illinois State University, Since Michael Liss, CFA. M.B.A., Indiana University, B.S., Albright College, Since Kevin Toney, CFA. B.A., University of Virginia, M.B.A., University of Pennsylvania, Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-15173N

43 Release Date: MFS Value... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQ Above Average Below Average Out of 1114 Large Value funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks capital appreciation. The fund normally invests its assets in equity securities. Equity securities include common stocks, preferred stocks, securities convertible into stocks, and depositary receipts for those securities. It focuses on the stocks of companies it believes are undervalued compared to their perceived worth (value companies). The fund may invest in companies of any size, while it focuses on companies with large capitalizations. The fund may invest in foreign securities and derivatives. Category Description: Large Value Large-value funds focus on big companies that are less expensive or growing more slowly than other large-cap stocks. These funds often feature investments in energy, financial, or manufacturing sectors. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQ Year QQQQ Year QQQQ 543 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 92.2 Non-U.S. Stocks 6.3 Bonds 0.0 Cash 1.4 Other 0.1 Top 20 Holdings as of Philip Morris International, Inc Lockheed Martin Corporation 3.43 The Goldman Sachs Group Inc 3.00 AT&T, Inc Johnson & Johnson 2.73 JPMorgan Chase & Co 2.66 Pfizer Inc 2.57 Accenture PLC 2.44 United Technologies Corp 2.38 Metlife Inc Chevron Corporation 2.33 International Business Machines Corp 2.30 Bank of New York Mellon 2.27 Oracle Corporation 2.06 Abbott Laboratories 1.92 Wells Fargo & Co 1.84 Exxon Mobil Corporation 1.77 Honeywell International, Inc Diageo PLC 1.53 General Mills, Inc Total Number of Stock Holdings 87 Total Number of Bond Holdings 0 Annual Turnover Ratio % 22 Total Fund Assets ($mil) 17, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Morningstar Style Box as of % Mkt Cap Giant Large Medium 3.93 Small Micro 0.00 Value Blend Growth Large Mid Small Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 55, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 2.29 Consumer Cyclical 8.69 Financial Services Real Estate 0.00 Sensitive Communication Services 4.25 Energy 9.13 Industrials Technology 6.68 Defensive Consumer Defensive Healthcare Utilities 2.32 Operations Redemption Fee. Expense Ratio 0.98% of fund assets Initial Class Inception Date Fund Inception Date Advisor Massachusetts Financial Services Co Portfolio Manager(s) Steven R. Gorham, CFA. B.S., University of New Hampshire. M.B.A., Boston College. Since Nevin P. Chitkara. M.B.A., Massachusetts Institute of Technology (Sloan). B.S., Boston University. Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-15428N 41

44 Release Date: American Funds Fundamental Investors... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQ Average Above Average Out of 1675 Large Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks long-term growth of capital and income. The fund invests primarily in common stocks of companies that appear to offer superior opportunities for capital growth and most of which have a history of paying dividends. It may invest significantly in securities of issuers domiciled outside the United States. Portfolio Analysis as of Composition as of U.S. Stocks 72.3 Non-U.S. Stocks 22.2 Bonds 0.2 Cash 5.3 Other 0.0 Morningstar Style Box as of % Mkt Cap Giant Large Medium Small Micro 0.00 Value Blend Growth Large Mid Small Category Description: Large Blend Large-blend funds have portfolios that are fairly representative of the overall stock market in size, growth rates, and price. They tend to invest across the spectrum of U.S. industries and owing to their broad exposure, the funds' returns are often similar to those of the S&P 500 Index. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQ Year QQQQ Year QQQQQ 813 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Any transfers out of $5,000 or more will preclude a transfer back in for 30 calendar days. Top 20 Holdings as of Suncor Energy, Inc Home Depot, Inc Merck & Co, Inc Union Pacific Corporation 1.71 Verizon Communications Inc 1.48 Microsoft Corporation 1.44 Bristol-Myers Squibb Company 1.42 Syngenta AG 1.41 The Dow Chemical Company 1.39 Texas Instruments, Inc Google, Inc Philip Morris International, Inc Apple, Inc Wells Fargo Company 1.15 Schneider Electric 1.12 Baxter International Inc EMC Corporation 1.07 Occidental Petroleum Corporation 1.06 Walt Disney Company 1.03 Tenaris SA ADR 1.00 Total Number of Stock Holdings 195 Total Number of Bond Holdings 2 Annual Turnover Ratio % 32 Total Fund Assets ($mil) 54, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 38, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 9.08 Consumer Cyclical 9.73 Financial Services Real Estate 0.94 Sensitive Communication Services 5.17 Energy Industrials Technology Defensive Consumer Defensive 5.82 Healthcare 9.88 Utilities 3.39 Operations Redemption Fee. Expense Ratio 0.66% of fund assets Initial Class Inception Date Fund Inception Date Advisor Capital Research and Management Company Portfolio Manager(s) James E. Drasdo. Since Dina N. Perry. M.A., Queens College in New York City. B.A., Queens College in New York City. Since Michael T. Kerr. M.B.A., Harvard University. B.A., Harvard University. Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-18929

45 Release Date: Fidelity VIP Contra... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQ Above Average Average Out of 1675 Large Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks long-term capital appreciation. The fund primarily invests in common stocks of companies whose value the management believes is not fully recognized by the public. It may invest in either growth stocks or value stocks or both of domestic and foreign issuers. Category Description: Large Blend Large-blend funds have portfolios that are fairly representative of the overall stock market in size, growth rates, and price. They tend to invest across the spectrum of U.S. industries and owing to their broad exposure, the funds' returns are often similar to those of the S&P 500 Index. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQ Year QQQQ Year QQQQQ 813 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 80.2 Non-U.S. Stocks 17.5 Bonds 0.0 Cash 2.3 Other 0.0 Top 20 Holdings as of Apple, Inc Procter & Gamble Company 2.07 JPMorgan Chase & Co 1.85 Coca-Cola Company 1.67 Qualcomm, Inc Citigroup Inc 1.52 Visa, Inc Royal Dutch Shell PLC ADR B 1.25 Exxon Mobil Corporation 1.11 Metlife Inc Walt Disney Company 1.04 U.S. Bancorp 1.03 United Technologies Corp 1.03 General Electric Co 1.02 Micron Technology, Inc Pfizer Inc 1.01 CenturyLink Inc 1.00 EMC Corporation 0.98 Check Point Software Technologies, Ltd CVS Caremark Corp 0.92 Total Number of Stock Holdings 329 Total Number of Bond Holdings 0 Annual Turnover Ratio % 117 Total Fund Assets ($mil) 17, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a wide range of price fluctuations relative to other investments. This investment may experience significant price increases in favorable markets or undergo large price declines in adverse markets. Some of this risk may be offset by owning other investments that follow different investment strategies. Morningstar Style Box as of % Mkt Cap Giant Large Medium Small Micro 0.33 Value Blend Growth Large Mid Small Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 31, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 4.00 Consumer Cyclical 9.10 Financial Services Real Estate 1.56 Sensitive Communication Services 4.81 Energy Industrials Technology Defensive Consumer Defensive Healthcare Utilities 3.41 Operations Redemption Fee. Expense Ratio 0.65% of fund assets Initial Class Inception Date Fund Inception Date Advisor Fidelity Mgmt & Research Company (FMR) Portfolio Manager(s) Douglas Simmons. M.B.A., Harvard University. Since Robert E. Stansky, CFA. B.A., Nichols College, M.B.A., New York University, Since John D. Avery. M.B.A., University of Pennsylvania, B.A., Harvard University, Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-13595N 43

46 Release Date: State Street Equity 500 Index... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQ Average Average Out of 1675 Large Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks to provide a return matching the return of the S&P 500 index. The fund invests substantially all of its investable assets in the Equity 500 Index Portfolio, which has the same investment objective as, and investment policies that are substantially similar to those of, the fund. It uses a passive management strategy designed to track the performance of the S&P 500. The fund generally intends to invest in all 500 stocks comprising the S&P 500 in approximate proportion to their weightings in the index. Category Description: Large Blend Large-blend funds have portfolios that are fairly representative of the overall stock market in size, growth rates, and price. They tend to invest across the spectrum of U.S. industries and owing to their broad exposure, the funds' returns are often similar to those of the S&P 500 Index. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQ Year QQQ Year QQQ 813 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 98.3 Non-U.S. Stocks 0.1 Bonds 0.0 Cash 1.6 Other 0.0 Top 20 Holdings as of ExxonMobil Corporation 3.32 Apple, Inc Chevron Corporation 1.69 General Electric Co 1.67 International Business Machines Corp 1.65 Procter & Gamble Company 1.51 AT&T, Inc Microsoft Corporation 1.49 Johnson & Johnson 1.48 JPMorgan Chase & Co 1.38 Pfizer Inc AIM Prime Fund Coca-Cola Company 1.23 Wells Fargo & Co 1.20 Berkshire Hathaway Inc B 1.10 Oracle Corporation 1.07 Google, Inc Philip Morris International, Inc Intel Corporation 0.99 Bank of America Corp DE 0.96 Total Number of Stock Holdings 502 Total Number of Bond Holdings 0 Annual Turnover Ratio % 12 Total Fund Assets ($mil) Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Morningstar Style Box as of % Mkt Cap Giant Large Medium Small Micro 0.00 Value Blend Growth Large Mid Small Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 50, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 2.83 Consumer Cyclical 9.46 Financial Services Real Estate 1.66 Sensitive Communication Services 4.32 Energy Industrials Technology Defensive Consumer Defensive Healthcare Utilities 3.26 Operations Redemption Fee. Expense Ratio 0.24% of fund assets Initial Class Inception Date Fund Inception Date Advisor SSgA Funds Management Inc Portfolio Manager(s) Karl Schneider. M.S., Boston College. B.S., Babson College. Since John Tucker, CFA. B.A., Trinity College. M.S., Boston College. Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-13307R

47 Release Date: Invesco Mid Cap Core Equity... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQ Average Low Out of 372 Mid-Cap Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks long-term growth of capital. The fund normally invests at least 80% of its assets in equity securities of mid-capitalization companies. The fund adviser considers a company to be a mid-capitalization company if it has a market capitalization, at the time of purchase, within the range of the largest and smallest capitalized companies included in the Russell Midcap Index. It may invest up to 25% of its total assets in foreign securities. Category Description: Mid-Cap Blend The typical mid-cap blend fund invests in stocks of various sizes and mixed characteristics, giving it a middle-of-the-road profile. Most shy away from high-priced growth stocks, but aren't so price-conscious that they land in value territory. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQQ Year QQQQQ Year QQQQ 187 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 80.4 Non-U.S. Stocks 5.3 Bonds 0.0 Cash 14.4 Other 0.0 Top 20 Holdings as of Invesco Short Term Inv Liq Assets Instl 7.18 Invesco Treasurer's Ser Tr Prem Instl 7.18 Symantec Corporation 2.85 ITT Corporation 2.69 Safeway Inc Northern Trust Corporation 2.07 Progressive Corporation 2.01 Southwestern Energy Company 1.85 Boston Scientific, Inc Legg Mason, Inc Hologic, Inc Williams Companies, Inc Aetna, Inc CA, Inc People's United Financial, Inc BJ's Wholesale Club, Inc Alliant Techsystems, Inc Marsh & McLennan Companies, Inc International Flavors & Fragrances 1.33 Dresser-Rand Group, Inc Total Number of Stock Holdings 87 Total Number of Bond Holdings 0 Annual Turnover Ratio % 61 Total Fund Assets ($mil) 3, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a relatively moderate range of price fluctuations relative to other investments. This investment may experience larger or smaller price declines or price increases depending on market conditions. Some of this risk may be offset by owning other investments with different portfolio makeups or investment strategies. Morningstar Style Box as of % Mkt Cap Giant Large Medium Small Micro 1.87 Value Blend Growth Large Mid Small Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 7, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 4.53 Consumer Cyclical 8.39 Financial Services Real Estate 0.00 Sensitive Communication Services 2.52 Energy Industrials Technology Defensive Consumer Defensive 7.97 Healthcare Utilities 1.16 Operations Redemption Fee. Expense Ratio 1.21% of fund assets Initial Class Inception Date Fund Inception Date Advisor Invesco Advisers, Inc. Portfolio Manager(s) Ronald S. Sloan, CFA. M.B.A., University of Missouri. B.S., University of Missouri. Since Douglas Asiello, CFA. B.A., Vanderbilt University. M.B.A., University of Pennsylvania. Since Brian T. Nelson, CFA. B.A., University of California Santa Barbara. Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-15417N 45

48 Release Date: American Century VP Capital Appreciation... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQ Above Average Average Out of 681 Mid-Cap Growth funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks capital growth. The portfolio invests mainly in common stocks of medium-sized and smaller companies that may increase in value over time, using an investment strategy developed by American Century Investments. In implementing this strategy, the managers make their investment decisions based primarily on their analysis of individual companies, rather than on broad economic forecasts. Management of the fund is based on the belief that, over the long term, stock price movements follow growth in earnings and revenues. Category Description: Mid-Cap Growth Some mid-cap growth funds invest in stocks of all sizes, thus leading to a mid-cap profile, but others focus on midsize companies. Mid-cap growth funds target firms that are projected to grow faster than other mid-cap stocks, therefore commanding relatively higher prices. Many of these stocks are found in the volatile technology, health-care, and services sectors. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQ Year QQQQQ Year QQQ 404 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 91.0 Non-U.S. Stocks 6.5 Bonds 0.0 Cash 1.3 Other 1.2 Top 20 Holdings as of Netflix, Inc Royal Caribbean Cruises, Ltd Priceline.com, Inc Whole Foods Market, Inc SXC Health Solutions Corporation 2.04 BE Aerospace 2.02 Apple, Inc National Oilwell Varco, Inc O'Reilly Automotive, Inc SBA Communications Corporation 1.71 Alexion Pharmaceuticals, Inc Cognizant Technology Solutions Corporation A 1.63 Concho Resources, Inc Salesforce.com, Inc Rockwell Automation 1.56 CB Richard Ellis Group, Inc VeriSign, Inc Fastenal Company 1.44 Albemarle Corporation 1.40 Cummins, Inc Total Number of Stock Holdings 105 Total Number of Bond Holdings 0 Annual Turnover Ratio % 117 Total Fund Assets ($mil) Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a wide range of price fluctuations relative to other investments. This investment may experience significant price increases in favorable markets or undergo large price declines in adverse markets. Some of this risk may be offset by owning other investments that follow different investment strategies. Morningstar Style Box as of % Mkt Cap Giant Large Medium Small Micro 0.00 Value Blend Growth Large Mid Small Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 8, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 3.38 Consumer Cyclical Financial Services 4.05 Real Estate 2.10 Sensitive Communication Services 2.61 Energy 7.27 Industrials Technology Defensive Consumer Defensive 5.62 Healthcare Utilities 0.66 Operations Redemption Fee. Expense Ratio 1.01% of fund assets Advisor American Century Inv Mgt, Inc. Portfolio Manager(s) Greg Walsh. Since David M. Hollond. M.B.A., University of Pennsylvania. M.A., University of Wisconsin. B.A., Grinnell College. Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-13341N

49 Release Date: American Century Small Cap Value... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQ Above Average Below Average Out of 305 Small Value funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks long-term capital growth; income is a secondary consideration. The fund invests at least 80% of assets in small-cap companies. Equity securities include common stock, preferred stock, and equity-equivalent securities, such as convertible securities, stock futures contracts or stock index futures contracts. The portfolio managers consider small cap companies to include those with a market capitalization no larger than that of the largest company in the S&P Small Cap 600 Index or the Russell 2000 Index. Category Description: Small Value Small-value funds invest in small-caps with valuations and growth rates below other small-cap peers. They tend to invest in manufacturing, financial, and energy sectors. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQQ Year QQQQ Year QQQQ 141 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 93.7 Non-U.S. Stocks 1.5 Bonds 0.0 Cash 3.1 Other 1.6 Top 20 Holdings as of Curtiss-Wright Corporation 1.19 Granite Construction Inc HCC Insurance Holdings Inc Aspen Insurance Holdings Ltd % Perpetual 1.04 Preferred Income Equity Repl Overseas Shipholding Group 0.97 ishares Russell 2000 Value Index 0.91 Alliant Techsystems, Inc Plexus Corp Young Innovations, Inc Quest Software, Inc Apollo Investment Corporation BDC 0.69 First Horizon National Corporation 0.69 Swift Energy Company 0.61 Brady Corporation A 0.60 Total System Services, Inc MDU Resources Group, Inc Great Plains Energy, Inc DST Systems, Inc Nordic American Tanker Shipping, Ltd Portland General Electric Company 0.55 Total Number of Stock Holdings 375 Total Number of Bond Holdings 0 Annual Turnover Ratio % 99 Total Fund Assets ($mil) 2, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a wide range of price fluctuations relative to other investments. This investment may experience significant price increases in favorable markets or undergo large price declines in adverse markets. Some of this risk may be offset by owning other investments that follow different investment strategies. Morningstar Style Box as of % Mkt Cap Giant Large 0.00 Medium Small Micro Value Blend Growth Large Mid Small Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 1, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 7.53 Consumer Cyclical Financial Services Real Estate 7.32 Sensitive Communication Services 1.01 Energy 6.31 Industrials Technology 9.95 Defensive Consumer Defensive 3.78 Healthcare 6.70 Utilities 4.25 Operations Redemption Fee. Expense Ratio 1.42% of fund assets Initial Class Inception Date Fund Inception Date Advisor American Century Inv Mgt, Inc. Portfolio Manager(s) Benjamin Z. Giele, CFA (1999). M.B.A., University of Texas. B.A., Rice University. Since James Pitman. M.B.A., University of Texas, M.A., Baylor University, B.A., Baylor University, Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-15174N 47

50 Release Date: Vanguard VIF Small Company Growth... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQ Average Average Out of 666 Small Growth funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks long-term capital appreciation. The fund invests at least 80% of assets primarily in common stocks of smaller companies. These companies tend to be unseasoned but are considered by the Portfolio's advisors to have superior growth potential. Also, these companies often provide little or no dividend income. Category Description: Small Growth Small-growth funds focus on faster-growing companies whose shares are at the lower end of the market-capitalization range. These funds tend to favor companies in up-and-coming industries or young firms in their early growth stages. As a result, the category tends to move in sync with the market for initial public offerings. Many of these funds invest in the technology, health-care, and services sectors. Because these businesses are fast-growing and often richly valued, their stocks tend to be volatile. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQQQ Year QQQQ Year QQQQ 358 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 91.1 Non-U.S. Stocks 4.1 Bonds 0.0 Cash 4.8 Other 0.0 Top 20 Holdings as of CMT Market Liquidity Rate 4.54 VeriFone Systems, Inc Kennametal Inc Vanguard Small Cap Growth ETF 0.94 Safeguard Scientifics, Inc Durect Corporation 0.86 NetLogic Microsystems, Inc OM Group, Inc Teradyne, Inc AngioDynamics, Inc MKS Instruments, Inc West Pharmaceutical Services, Inc Bruker Corporation 0.71 Parametric Technology Corporation 0.71 Cubist Pharmaceuticals, Inc Kaman Corporation A 0.70 Coinstar, Inc Pricesmart, Inc ABM Industries, Inc CEVA, Inc Total Number of Stock Holdings 516 Total Number of Bond Holdings 0 Annual Turnover Ratio % 62 Total Fund Assets ($mil) Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a wide range of price fluctuations relative to other investments. This investment may experience significant price increases in favorable markets or undergo large price declines in adverse markets. Some of this risk may be offset by owning other investments that follow different investment strategies. Morningstar Style Box as of % Mkt Cap Giant Large 0.08 Medium Small Micro Value Blend Growth Large Mid Small Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 1, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 5.03 Consumer Cyclical Financial Services 3.10 Real Estate 1.59 Sensitive Communication Services 1.08 Energy 4.82 Industrials Technology Defensive Consumer Defensive 3.52 Healthcare Utilities 0.34 Operations Redemption Fee. Expense Ratio 0.43% of fund assets Initial Class Inception Date Fund Inception Date Advisor Granahan Investment Management Inc Portfolio Manager(s) Gary C. Hatton, CFA. M.S., University of Wisconsin, B.S., University of Rhode Island, Since Jane M. White. B.A., Boston University, Since John J. Granahan, CFA. B.A., St. Joseph's University, M.A., Catholic University of America. Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-22278

51 Release Date: MFS International New Discovery... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQ Above Average Below Average Out of 129 Foreign Small/Mid Growth funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks capital appreciation. The fund normally invests primarily in foreign equity securities, including emerging-market equity securities. It generally focuses on companies with small- to medium-capitalizations although it may invest in companies of any size. The fund also invests in derivatives. It may also enter into short sales for the fund. Portfolio Analysis as of Composition as of U.S. Stocks 4.4 Non-U.S. Stocks 91.5 Bonds 0.0 Cash 3.9 Other 0.3 Morningstar Style Box as of % Mkt Cap Giant Large Medium Small Micro 1.30 Value Blend Growth Large Mid Small Category Description: Foreign Small/Mid Growth Foreign small-/mid-growth funds invest in international stocks that are smaller and higher-priced than the market as a whole. Most of these funds divide their assets among a dozen or more developed markets, including Japan, Britain, France, and Germany. These funds typically will have less than 20% of assets invested in U.S. stocks. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQQ Year QQQQ Year QQQQ 60 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Top 20 Holdings as of Mfs Ser Tr Xiv 2.72 Croda International PLC 1.57 Swedish Match AB 1.25 Bunzl PLC 1.20 Hiscox Ltd Christian Dior SA 1.03 Amadeus IT Holding SA 1.01 JGC Corp Bellway PLC 0.93 GEA Group Aktiengesellschaft 0.93 Aberdeen Asset Management PLC 0.90 Miraca Holdings Inc Iluka Resources Limited 0.86 Cairn Energy PLC 0.81 Next PLC 0.79 Schroders PLC 0.79 Synthes Inc Deutsche Wohnen AG 0.76 DSV AS 0.72 Konica Minolta Holdings, Inc Total Number of Stock Holdings 312 Total Number of Bond Holdings 0 Annual Turnover Ratio % 34 Total Fund Assets ($mil) 3, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a wide range of price fluctuations relative to other investments. This investment may experience significant price increases in favorable markets or undergo large price declines in adverse markets. Some of this risk may be offset by owning other investments that follow different investment strategies. Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 3, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar World Regions as of % Fund Americas North America 5.71 Latin America Greater Europe United Kingdom Europe Developed Europe Emerging 0.43 Africa/Middle East 1.58 Greater Asia Japan Australasia 4.46 Asia Developed 8.56 Asia Emerging 5.45 Operations Redemption Fee. Expense Ratio 1.45% of fund assets Initial Class Inception Date Fund Inception Date Advisor Massachusetts Financial Services Co Portfolio Manager(s) David A. Antonelli. M.B.A., University of Pennsylvania (Wharton). B.S., Pennsylvania State University. Since Peter Fruzzetti. B.A., Boston College, Since Jose Luis Garcia. Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-15425N 49

52 Release Date: American Funds EuroPacific Growth... Overall Morningstar Rating Morningstar Return Morningstar Risk QQQQQ High Below Average Out of 714 Foreign Large Blend funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks to provide long-term growth of capital. The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. Growth stocks are stocks that the investment adviser believes have the potential for above-average capital appreciation. It normally invests at least 80% of net assets in securities of issuers in Europe and the Pacific Basin. The fund may invest a portion of its assets in common stocks and other securities of companies in countries with developing economies and/or markets. Category Description: Foreign Large Blend Foreign large-blend funds invest in a variety of big, international stocks. Most of these funds divide their assets among a dozen or more developed markets, including Japan, Britain, France, and Germany. They tend to invest the rest in emerging markets such as Hong Kong, Brazil, Mexico and Thailand. These funds typically will have less than 20% of assets invested in U.S. stocks. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQQQQ Year QQQQQ Year QQQQQ 303 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Any transfers out of $5,000 or more will preclude a transfer back in for 30 calendar days. Portfolio Analysis as of Composition as of U.S. Stocks 0.2 Non-U.S. Stocks 93.3 Bonds 0.0 Cash 6.4 Other 0.0 Top 20 Holdings as of Novo Nordisk A/S 2.70 America Movil S.A.B. de C.V. ADR L 2.68 Softbank Corporation 1.90 Bayer AG 1.77 Novartis AG 1.71 Daimler AG 1.63 Samsung Electronics Co., Ltd Nestle SA 1.43 HTC Corporation 1.29 Anheuser-Busch InBev SA 1.14 Prudential PLC 1.09 Honda Motor Company 1.08 Danone 1.01 Housing Development Finance Corporation Ltd Schneider Electric 0.99 British American Tobacco PLC 0.93 Canon, Inc BP Plc 0.87 Socià tã Gà nã rale 0.85 Deutsche Bank AG 0.84 Total Number of Stock Holdings 316 Total Number of Bond Holdings 0 Annual Turnover Ratio % 31 Total Fund Assets ($mil) 116, Volatility Analysis Investment Low Moderate High Category In the past, this investment has shown a wide range of price fluctuations relative to other investments. This investment may experience significant price increases in favorable markets or undergo large price declines in adverse markets. Some of this risk may be offset by owning other investments that follow different investment strategies. Morningstar Style Box as of % Mkt Cap Giant Large Medium 5.88 Small Micro 0.00 Value Blend Growth Large Mid Small Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 37, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar World Regions as of % Fund Americas 9.55 North America 3.86 Latin America 5.69 Greater Europe United Kingdom Europe Developed Europe Emerging 1.76 Africa/Middle East 2.97 Greater Asia Japan Australasia 1.60 Asia Developed 9.90 Asia Emerging 9.75 Operations Redemption Fee. Expense Ratio 0.85% of fund assets Initial Class Inception Date Fund Inception Date Advisor Capital Research and Management Company Portfolio Manager(s) Stephen E. Bepler, CFA. B.A., Fordham University, Columbia University, Since Mark E. Denning. B.S., London School of Economics. M.B.A., Columbia University. Since Robert W. Lovelace, CFA. A.B., Princeton University. Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R-18925

53 Release Date: American Century Real Estate... Overall Morningstar Rating Morningstar Return Morningstar Risk QQ Average High Out of 228 Real Estate funds. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details. Investment Strategy from investment's prospectus The investment seeks high total investment return through a combination of capital appreciation and current income. The fund invests at least 80% of assets in equity securities issued by real estate investment trusts and companies engaged in the real estate industry. Equity securities include common stock, preferred stock, and equity-equivalent securities, such as convertible securities, stock futures contracts or stock index futures contracts. A real estate investment trust (REIT) invests primarily in income-producing real estate or makes loans to persons involved in the real estate industry. It is non-diversified. Category Description: Real Estate Real estate funds invest primarily in real estate investment trusts (REITs) of various types. REITs are companies that develop and manage real-estate properties. There are several different types of REITs, including apartment, factory-outlet, health-care, hotel, industrial, mortgage, office, and shopping center REITs. Some funds in this category also invest in real-estate operating companies. Morningstar Proprietary Statistics Out of # Morningstar Rating of investments 3 Year QQ Year QQ Year QQ 111 Notes Qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company, a OneAmerica company. Portfolio Analysis as of Composition as of U.S. Stocks 97.7 Non-U.S. Stocks 1.1 Bonds 0.0 Cash 1.2 Other 0.0 Top 20 Holdings as of Simon Property Group, Inc Public Storage 6.85 HCP, Inc Boston Properties, Inc Vornado Realty Trust Shs of Benef Int 5.44 Equity Residential 4.63 AvalonBay Communities, Inc Health Care REIT, Inc ProLogis Trust 3.21 Alexandria Real Estate Equities, Inc SL Green Realty Corporation 2.74 Digital Realty Trust, Inc Host Hotels & Resorts, Inc Essex Property Trust 2.47 AMB Property Corporation 2.33 Camden Property Trust 2.19 Taubman Centers, Inc Macerich Company 1.92 Ventas, Inc Apartment Investment & Management 1.72 Total Number of Stock Holdings 49 Total Number of Bond Holdings 0 Annual Turnover Ratio % 238 Total Fund Assets ($mil) 1, Volatility Analysis Low Moderate High Investment Category In the past, this investment has shown a wide range of price fluctuations relative to other investments. This investment may experience significant price increases in favorable markets or undergo large price declines in adverse markets. Some of this risk may be offset by owning other investments that follow different investment strategies. Morningstar Style Box as of % Mkt Cap Giant Large Medium Small Micro 0.00 Value Blend Growth Large Mid Small Statistics as of Port Avg Rel S&P 500 Rel Cat P/E Ratio P/B Ratio P/C Ratio GeoAvgCap ($mil) 8, Risk Measures as of Port Avg Rel S&P 500 Rel Cat 3 Yr Std Dev Yr Beta Yr Sharpe Ratio Yr Alpha Yr R-squared Morningstar Sectors as of % Fund Cyclical Basic Materials 1.08 Consumer Cyclical 1.58 Financial Services 0.00 Real Estate Sensitive 0.00 Communication Services 0.00 Energy 0.00 Industrials 0.00 Technology 0.00 Defensive 0.00 Consumer Defensive 0.00 Healthcare 0.00 Utilities 0.00 Operations Redemption Fee. Expense Ratio 1.16% of fund assets Initial Class Inception Date Fund Inception Date Advisor American Century Inv Mgt, Inc. Portfolio Manager(s) Steven R. Brown. M.B.A., New York University. B.S., New York University. Since Morningstar, Inc., Morningstar Investment Profiles All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at R

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57 Note: Tax qualified retirement plans from American United Life Insurance Company (AUL) are funded by an AUL group annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, , which is a wholly owned subsidiary of AUL. Registered Group Variable Annuities are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to 433 N. Capitol Ave., Indianapolis, IN 46204, Before investing, carefully consider the fund s investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing.

58 About OneAmerica OneAmerica Financial Partners, Inc., is headquartered in Indianapolis, IN. The companies of OneAmerica can trace their solid foundations back more than 130 years in the insurance and financial services marketplace. OneAmerica s nationwide network of companies offers a variety of products to serve the financial needs of their policyholders and other clients. These products include retirement plans, products and services; individual life insurance, annuities, long-term care solutions and employee benefits. The goal of OneAmerica is to blend the strengths of each company to achieve greater collective results. brokers and other distribution sources that are committed to increasing value to our policyholders by helping them plan to meet their financial goals. About AUL Retirement Services American United Life Insurance Company (AUL) is the founding member of OneAmerica and offers a wide range of retirement plans, products and services for individuals and employers. As a leader in the retirement services industry, AUL provides local service through a national network of experienced professionals specializing on the 401(k), 403(b) and 457 markets. The products of the OneAmerica companies are distributed through a network of employees, agents, American United Life Insurance Company a ONEAMERICA company One American Square, P.O. Box 368 Indianapolis, IN (317) OneAmerica Financial Partners, Inc. All rights reserved. OneAmerica and the OneAmerica banner are all registered trademarks of OneAmerica Financial Partners, Inc. R /04/09