1. In the , open the attached file called SecureMessageAtt.html. Opening the file will launch a new browser window.

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1 Summary Paragraph on Website when you enter the Citi GTS URL Citi Virtual Card Accounts (VCA) provides a secure, convenient way for a client to deliver virtual card number details to a supplier using encrypted . Suppliers receiving the will have all the necessary details to process payment. s are sent through MasterCard s secure infrastructure on behalf of VCA clients. The solution meets both Payment Card Industry (PCI) standards and MasterCard network rules. 1. What are the benefits of receiving a VCA payment for suppliers? The benefit to you is that you will now receive all of your U.S. SunAmerica Financial Group payments electronically via a highly fraud-and-loss-resistant transaction through the MasterCard network. By moving to Citi Virtual Card Accounts Payments, you will improve your cash flow by receiving funds faster and save time while helping the SunAmerica Financial Group to reduce payment errors and fraud risk. You will also be able to receive remittance information electronically via secure . Additional Benefits: Funds will be credited to your merchant account in 1-2 days No waiting for checks to arrive in the mail No need to deposit, scan or process checks Go Green paperless initiative Electronic remittance advice eases reconciliation 2. Why do suppliers need to provide an updated address? U.S. SunAmerica Financial Group requires an updated address to send payment details to the supplier via Citi s Virtual Card Accounts. The supplier will receive an encrypted containing a 16-digit virtual card number, payment amount details, and additional remittance data as supplied by the buyer. The supplier will then be able to process the 16 digit virtual card number to receive payment. 3. How are the s sent to suppliers? s are sent securely over the internet to the specified address using an encrypted delivery feature called Transport Layer Security (TLS). When U.S. SunAmerica Financial Group sends an to you, the VCA server checks to see if your server supports TLS and takes the following action: If TLS is supported, the VCA server encrypts the for secure delivery over the internet. Upon receipt, the is decrypted by your server; you will be able to read these s as usual without any additional steps If your server does not support TLS, the VCA server sends an with an encrypted attachment containing the virtual card number information. You can decrypt the attachment by following instructions included in the . o The process described below addresses the steps needed to be taken by suppliers that do not support TLS. To access and retrieve through a non- TLS-enabled server, those suppliers must follow these steps: 1. In the , open the attached file called SecureMessageAtt.html. Opening the file will launch a new browser window.

2 2. Click the Click to Read message button in the newly opened browser window. 3A. First-Time Recipients: If this is the first time that a supplier is receiving a VCA at this specific address, a Registration screen will appear. The supplier completes the registration process, which includes establishing a username and password. These credentials will be used to access VCA payment details in s sent to this supplier in the future. Click Continue.

3 3B. Repeat Recipients: If this is not the first time a supplier has received a VCA at this address, the supplier will be prompted to enter their previously established password. Enter the password and click Continue. Note: A Forgot Password link allows the recipient to re-set their password if needed.

4 4 Once the supplier has signed in using their password, the will appear in the browser. The supplier can then use the virtual card number and related data within the to process payment. 3. Who should suppliers contact with questions? For U.S. SunAmerica Financial Group Suppliers: Contact Name Wendy Quan Contact Title Manager, Cash Disbursements Contact Phone number Contact address

5 For Western National and VALIC Suppliers: Contact Name Donna Fritsche Contact Title Manager, Disbursements Contact Phone number Contact address

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