or guarantee rising income for up to 12 years?
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1 Income Plus 6% Looking for a Retirement Income Advantage that can Guarantee 7% Withdrawals or guarantee rising income for up to 12 years? Guarantees are backed by the claims-paying ability of the issuing insurance company and are based on an optional income protection feature that is only available with the purchase of a SunAmerica Variable Annuity.
2 Maximize your retirement income with GUARANTEED 7% WITHDRAWALS even when the market is down! For investors who are looking for more income sooner and want to ensure that they won t run out of income in the future, the SunAmerica Variable Annuities offer a powerful income advantage the SunAmerica Income Plus 6% Income Option 2!* With the Single Life version of this option, you can maximize your retirement income by taking 7% withdrawals as early as age 65. If you re looking to build future income, you also have the flexibility to withdraw less than the feature s 6% income credit and still guarantee that your retirement income will rise for up to 12 years, regardless of investment performance. With a SunAmerica Variable Annuity, you can benefit from: GROWTH potential through diverse investment options Access a broad range of investment choices, along with the expertise of professional money managers, to help accumulate more assets for retirement income. INCOME that s guaranteed for life Take advantage of lifetime income options, such as SunAmerica Income Plus 6%, available for an additional fee. Or you can choose annuitization, a process that converts your contract into lifetime income payments at no additional cost. PROTECTION against current taxes and market volatility Through the power of tax deferral, you pay no current income tax on any investment gains until they re withdrawn. Plus, you can access optional benefits that can guarantee the value of your retirement income or legacy in down markets. *SunAmerica Income Plus 6% is subject to additional fees, age restrictions and other limitations. There is no assurance that withdrawal amounts will keep pace with inflation. In a strong market, you may pay for this optional income protection feature and not need to use it. Guarantees, including optional benefits, are backed by the claims-paying ability of the issuing insurer. If Income Plus 6% is elected, investment requirements apply, including an automatic allocation of 10% of each investment to the Secure Value Account (1-year fixed account). Note: 7% withdrawals are only available with Income Option 2 (Single Life). Income Option 1 (Single or Joint Life) is also available with different withdrawal parameters. Please see Key Terms and Definitions for details on how Income Option 2 (Single or Joint Life) works. NOTE: The SunAmerica Variable Annuities are long-term investments designed for retirement purposes. In the accumulation phase, they can help you build assets on a tax-deferred basis. In the income phase, they can provide you with guaranteed income through standard or optional features. Variable annuities are insurance contracts that are subject to insurance-related charges including mortality and expense risk charges and administrative fees, as well as the total operating expenses of the underlying portfolios. Withdrawals of taxable amounts are subject to ordinary income tax, and if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawals may also be subject to withdrawal charges. Investment involves risk, including the possible loss of principal. Your contract value when redeemed may be worth more or less than your original investment. If you fund your IRA or 401(k) with a variable annuity, you should realize that these retirement accounts are already tax deferred. A variable annuity provides no additional tax-deferred benefit beyond that provided by the plan. You should only use a variable annuity in a tax-qualified plan if you want to benefit from features other than tax deferral. Please consult with your financial and tax advisors regarding your individual situation.
3 Three ways to create an Income Advantage with Income Plus 6%: 1 Generate more income sooner with 7% annual withdrawals Research has shown that spending is highest early in retirement and actually declines with age. With the Income Plus 6% Income Option 2 (Single Life), you can generate more income sooner by starting 7% withdrawals as early as age 65. Plus, should your contract value be depleted due to market volatility and/or withdrawals taken within the feature s parameters, you will still benefit from the Protected Income Payment, which guarantees annual income of at least 3% for life. For more information on withdrawals, please see Key Terms and Definitions on inside pages. Research Shows That More Income Is Needed Earlier in Retirement (Retirement spending by age) Age Age 75+ Spending Difference From Early to Late Retirement $41,433 $31,692-24% Note: Based on average annual expenditures for apparel & services, entertainment, food & alcohol, healthcare, housing, transportation, personal insurance and pensions, and miscellaneous expenses. Source: U.S. Department of Labor, Bureau of Statistics, Consumer Expenditure Survey Guarantee rising income for up to 12 years, even in a down market and after withdrawals begin During the first 12 years, Income Plus 6% locks in the greater of investment gains or an annual income credit of up to 6% on contract anniversaries for guaranteed lifetime income. The full 6% income credit is available each year that withdrawals are not taken. If a withdrawal is taken within the parameters of the feature, the annual income credit is simply reduced by the percentage of the Income Base withdrawn. The Income Base is the amount on which lifetime withdrawals are based. Of course, if you withdraw 6% or more, an income credit will not be available on the next contract anniversary (6%-6%=0%). After the first 12 years, you will continue to have the opportunity to increase your retirement income by locking in investment gains on contract anniversaries. You Can Keep The Difference! 6% Income Credit Minus 4% Withdrawal Income Credit for Guaranteed Rising Income 2% 3 Guarantee that your Income Base will double after 12 years If you decide not to take any withdrawals during the first 12 contract years, your Income Base is guaranteed to increase to at least 200% of your eligible first-year investments on the 12th contract anniversary (the Minimum Income Base ), regardless of market performance! Income Base is initially equal to the first eligible purchase payment. On each contract anniversary, the Income Base is set to equal the greater of (a) the anniversary value, if greater than all previous anniversary values or (b) the current Income Base plus the income credit amount (if eligible) during the income credit period. The Income Base is automatically evaluated on contract anniversaries while the contract value is greater than zero and the feature is still in effect, provided you have not reached the Latest Annuity Date. The Income Base is adjusted for excess withdrawals and is increased each time an eligible purchase payment is made. Income Credit is the amount that may be added to your Income Base in each of the contract s first 12 years ( Income Credit Period ). The annual income credit is 6% of the Income Credit Base in years that no withdrawals are taken. The annual income credit will be reduced by the percentage of the Income Base withdrawn in years that withdrawals are taken. When withdrawals are taken that reduce the available income credit, future income may be lower than if a full income credit were received. Income Credit Base is a component of the feature that is used to calculate the annual income credit. Initially, the Income Credit Base is equal to the first eligible purchase payment. If the Income Base steps up to your anniversary value on a contract anniversary, your Income Credit Base will also step up to this amount. The Income Credit Base is not increased if your Income Base rises due to the addition of the income credit. The Income Credit Base is adjusted for excess withdrawals and is increased each time an eligible purchase payment is made. Eligible Purchase Payments equal all investments received in the first contract year, plus any additional contributions made in contract years 2-5 (up to an annual maximum of 200% of first-year investments). All other purchase payments are ineligible. Spousal continuation contributions and payment enhancements (if applicable) are not included in the calculation of eligible purchase payments.
4 SunAmerica Income Plus 6% offers investors more income sooner through 7% GUARANTEED ANNUAL WITHDRAWALS Investor Profile: Meet James Personal Information James is a 65-year-old who is retiring and wants to ensure the safety of his retirement income. Investment Objectives James wants more income now to help maintain his current lifestyle in retirement. He is looking to take advantage of the growth potential of the stock market for his retirement income. He also wants protection guarantees to help safeguard his income from future market losses. SunAmerica Solution James decides to invest a portion of his retirement assets in a Polaris Platinum III Variable Annuity with the optional Income Plus 6% feature. He invests $300,000, elects Income Option 2 (Single Life) and begins to take 7% withdrawals annually. Illustration Highlights: Maximize Income Now: James is guaranteed 7% withdrawals and at least $21,000 in annual income right away. Lock in Market Gains: James Income Base has the opportunity to grow with the market on each contract anniversary. In each of the following illustrations, his Income Base increased to more than $479,000 over 20 years. Rising Income: James annual income increased from $21,000 to more than $33,000 in each illustration. The purpose of these hypothetical illustrations is to show how the performance of the underlying investment portfolios could affect the annuity s account value and contractual benefits, including the optional Income Plus 6% feature. They are not intended to predict or project investment results. Past performance is not a guarantee of future results. The illustrations assume an initial purchase payment and no additional purchase payments. Withdrawals after the first year occur at the beginning of the contract year, on the day following the contract anniversary. The illustrations are based on a portfolio allocated 17.5% to American Funds Growth SAST; 17.5% to American Funds Growth-Income SAST; 17.5% to Capital Appreciation; 17.5% to Growth; 20% to Government and Quality Bond; and 10% to the Secure Value Account (1-year fixed account) on 12/31/1990. Allocation to the Secure Value Account assumes a minimum guaranteed interest rate of 1.25%. This allocation was selected using a combination of portfolios that meet the feature s investment requirements and have the longest track records in their respective allocation categories. Other investment options are available that meet the feature s investment requirements. Allocations to the variable portfolios are rebalanced quarterly. Because asset rebalancing resets the allocation among variable portfolios, it may have a positive or negative impact on the overall performance of your investment. For example, in a strong market rally and depending upon your allocation, rebalancing may cause investments to underperform. Please see a prospectus for more information about the investment requirements. If other investment options had been used, the performance may differ materially from that illustrated. Illustrations reflect total portfolio operating expenses for the portfolios illustrated (a weighted average of 0.84% as of 5/1/10, including 12b-1 fees of 0.25%); insurance-related charges of 1.30%; and 0.25% for the optional Maximum Anniversary Value death benefit. The Maximum Fee Rate Illustration reflects the maximum fee rate that you can pay for the Income Plus 6% Single Life option. It assumes that the initial fee rate is 1.10% of the Income Base for the first year and the fee rate increases quarterly at the maximum annualized rate of 0.25% until it reaches the maximum annual fee rate for the life of the contract of 2.20% in year 3. The fee rate adjustment in the Historical Fee Rate Illustration is based on the historical values of the VIX (see Protection Based Pricing for more information). An annual contract administration charge of $35 also applies, but is currently waived for contracts of $50,000 or more. Your actual insurance-related charges may be higher or lower, depending upon the SunAmerica product you choose and the optional features you elect. Although the illustrations include historical performance of the respective portfolios to show how the optional Income Plus 6% feature can work, the feature was not available during the historical period shown. The performance data quoted represents past performance, which does not guarantee future results. Investment return and principal value of a SunAmerica Variable Annuity will fluctuate so that an investor s shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data quoted. For performance data current to the most recent month-end, please visit our website at Please see the back cover for the required historical performance as of the most recent calendar quarter, including applicable withdrawal charges.
5 Maximum Fee Rate Illustration Year Age Annual Market Return (Net) Contract s Anniversary Value Income Base Withdrawal Amount Cumulative Withdrawals Death Benefit Surrender Value $300,000 $300,000 $21,000 $21,000 $279,000 $279, % 352, ,859 24,700 45, , , % 349, ,859 24,700 70, , , % 348, ,859 24,700 95, , , % 305, ,859 24, , , , % 341, ,859 24, , , , % 350, ,859 24, , , , % 382, ,950 26, , , , % 417, ,330 29, , , , % 479, ,984 33, , , ,984 Step-up from investment gains occurs if the anniversary value is higher than the current Income Base and all previous anniversary values. Guaranteed income as long as withdrawals are taken within certain parameters % 442, ,984 33, , , , % 369, ,984 33, , , , % 270, ,984 33, , , , % 278, ,984 33, , , , % 250, ,984 33, , , , % 219, ,984 33, , , , % 189, ,984 33, , , , % 160, ,984 33, , , , % 77, ,984 33, ,209 90,351 77, % 43, ,984 33, ,808 20,261 43,311 Summary: Income Plus 6% provided James with $594,808 in total income over 20 years while still generating $33,599 per year in guaranteed income. Note: This illustration assumes the maximum fee rate for the SunAmerica Income Plus 6% Single Life option. The initial fee rate for Income Plus 6% (1.10% of the Income Base for Single Life option; 1.35% for the Joint Life option) is guaranteed for one year. After the first year, the fee may vary (see Protection Based Pricing on next page). Please see the next page for an illustration with a fee rate adjustment based on historical values of the VIX. Also keep in mind that an income credit was not available during the first 12 years since James chose to withdraw the 7% maximum annual withdrawal amount each year. In the event the contract value is depleted, James would receive the Protected Income Payment of $14,400 for life (3% of $479,984); please see Protected Income Payment on the next page for details on how this lifetime income is calculated. Figures in the above table are subject to rounding. KEY TERMS AND DEFINITIONS Annual Market Return (Net) is the annual return of the variable portfolios after the deduction of applicable fees. It does not reflect the interest credited or applicable fees associated with the Secure Value Account. The fee for the feature is calculated as a percentage of the Income Base and deducted from the contract value quarterly. As a result, the Annual Market Return (Net) will vary from illustration to illustration. Anniversary Value is the contract value on the contract anniversary, less any ineligible purchase payments, and prior to any withdrawals. Maximum Annual Withdrawal Amount (MAWA) is the maximum amount of income you can take each year. The MAWA percentage for Income Option 2 is: 7.0% of the Income Base for the Single Life option (one covered individual), or 6.0% if withdrawals start before age % of the Income Base for the Joint Life option (two covered individuals), or 5.5% if withdrawals start before age 65. The MAWA percentage will decrease if your contract value is depleted (see Protected Income Payment on the next page). Excess Withdrawals: Withdrawals that exceed the MAWA are considered excess withdrawals and will reduce the Income Base and Income Credit Base in the same proportion by which the contract value is reduced by the excess withdrawal. Death Benefit: The Maximum Anniversary Value death benefit amount, after the Income Plus 6% withdrawal. This feature is optional and available for an additional fee. Surrender Value represents what you would receive if you withdrew all your money and reflects applicable withdrawal charges. Polaris Platinum III withdrawal charges decline over a period of seven years. (Please see back cover for details.) Note: Partial withdrawals up to the feature s maximum annual withdrawal amount are not subject to withdrawal charges.
6 Historical Fee Rate Illustration Year Age Annual Market Return (Net) Contract s Anniversary Value Income Base Withdrawal Amount Cumulative Withdrawals Death Benefit Surrender Value $300,000 $300,000 $21,000 $21,000 $279,000 $279, % 352, ,859 24,700 45, , , % 352, ,859 24,700 70, , , % 357, ,645 25,035 95, , , % 318, ,645 25, , , , % 362, ,305 25, , , , % 378, ,535 26, , , , % 418, ,536 29, , , , % 460, ,169 32, , , , % 533, ,526 37, , , ,526 Step-up from investment gains occurs if the anniversary value is higher than the current Income Base and all previous anniversary values. Guaranteed income as long as withdrawals are taken within certain parameters % 497, ,526 37, , , , % 419, ,526 37, , , , % 313, ,526 37, , , , % 330, ,526 37, , , , % 307, ,526 37, , , , % 282, ,526 37, , , , % 261, ,526 37, , , , % 241, ,526 37, , , , % 133, ,526 37, , , , % 111, ,526 37, ,654 97, ,830 Summary: Income Plus 6% provided James with $644,654 in total income over 20 years while still generating $37,347 per year in guaranteed income. Note: For the Case Study illustration above, the quarterly fee rate adjustment after the first year is based on the historical values of the VIX for the period illustrated. The average annual fee rate for the period illustrated was 1.05%. The initial fee rate for Income Plus 6% (1.10% of the Income Base for the Single Life option; 1.35% for the Joint Life option) is guaranteed for one year. After that time, it will be adjusted quarterly and may decrease or increase. See Protection Based Pricing below for more information. Also keep in mind that an income credit was not available during the first 12 years since James chose to withdraw the 7% maximum annual withdrawal amount each year. In the event the contract value is depleted, James would receive the Protected Income Payment of $16,006 for life (3% of $533,526); please see Protected Income Payment below for details on how this lifetime income is calculated. Figures in the above table are subject to rounding. Protection Based Pricing is the pricing structure that is used to calculate the fee after the first year. The fee rate may change based on a non-discretionary formula tied to the change in the Volatility Index ( VIX ), an index of market volatility reported by the Chicago Board Options Exchange. With Protection Based Pricing, the fee rate decreases in stable markets when the protection guarantee is generally not used and increases in volatile markets when the guarantee can be critical in helping to safeguard your income. The maximum annualized fee rate decrease or increase is 0.25% each quarter. This means the fee rate can decrease or increase by no more than % each quarter (0.25%/4). The minimum fee rate is 0.60% of the Income Base. The maximum fee rate is 2.20% (Single Life) and 2.70% (Joint Life) of the Income Base. Fees are deducted from the contract value quarterly. Please see the prospectus for details on how the fee is calculated. Protected Income Payment is the amount of annual income you will receive for life if your contract value is depleted due to market volatility and/or withdrawals taken within the feature s parameters. The Protected Income Payment for Income Option 2 is: 3.0% of the Income Base (Single and Joint Life). 4.0% of the Income Base (Single and Joint Life) if withdrawals begin prior to age 65 and your Income Base increases due to investment gains on or after your 65th birthday. The Protected Income Payment is based on the highest Income Base achieved, provided withdrawals are taken within the feature s parameters. Age is based on the age of the owner (older owner if the contract is jointly owned) for the Single Life option, or the age of the younger owner for the Joint Life option.
7 James has the opportunity to maximize INCOME Now with 7% annual withdrawals Historical Fee Rate Illustration More income sooner James can begin 7% withdrawals immediately More income in the future James can lock in market gains for rising income that is guaranteed for life. Downside protection at all times James Income Base will never fall due to a drop in the market. $600,000 $500,000 $400,000 $300,000 $200,000 $100,000 0 $0 Income Base: $533,526 Contract Value: $111, Year James received $644,654 in total income over 20 years, more than twice the amount of his initial investment! Initial Withdrawal $ 21,000 $24,700 $24,700 $25,035 $25,035 $25,361 $26,497 $29,298 $32,212 $37,347 $37,347 $37,347 $37,347 $37,347 $37,347 $37,347 $37,347 $37,347 $ 37,347 $37, AGE Tax-qualified plan is a plan that meets the requirements of the Internal Revenue Code and is therefore eligible to receive certain tax benefits. IRAs and 401(k)s are examples of tax-qualified plans. Income Plus 6% may not be appropriate for use with contributory IRAs or other tax-qualified plans if you plan to make ongoing contributions. Latest Annuity Date is the later of your 95th birthday or 10th contract anniversary. If the contract value and the Income Base are greater than zero on the Latest Annuity Date, you will need to select one of these annuity options: 1) annuitize the contract value under the contract s annuity provisions; 2) annuitize the contract and receive payments equal to the maximum annual withdrawal amount as of the Latest Annuity Date for a fixed period of time, as long as you are living. After the fixed period ends, you will then receive the Protected Income Payment amount until the death(s) of the covered person(s); or 3) elect any payment option that is mutually agreeable between you and SunAmerica. Please see a prospectus for details. SunAmerica Income Plus 6% is available at contract issue to clients age Please note, for non-qualified and stand-alone qualified contracts, annuitization must occur by the oldest annuitant s 95th birthday if this contract is purchased through certain broker/dealers. For complete details regarding age restrictions and investment requirements, please see a prospectus.
8 Historical performance for the portfolios used in illustrations inside Total Annual Returns are shown in the 1st row. These returns are net of applicable withdrawal charges, contract charges and management fees but not fees for optional features. These figures show what your return would have been if you withdrew all your money at the end of the stated period. Annual Returns are shown in the 2nd row. These returns are net of contract charges and management fees but not withdrawal charges or fees for optional features. (Actual and Adjusted) as of 6/30/10 Inception Date Variable Portfolio Inception Date Trust American Funds Growth SAST 1 09/05/06 02/08/84 American Funds Growth-Income SAST 1 09/05/06 02/08/84 Capital Appreciation 02/12/93 03/23/87 Growth 02/19/93 09/05/84 Government and Quality Bond 02/22/93 09/05/84 1-year 5-year 10-year 7.76% 14.76% 1.85% 8.85% 12.25% 19.25% 5.93% 12.93% -0.73% 6.26% -2.01% -1.15% -3.54% -2.64% 1.81% 2.55% -2.44% -1.58% 2.26% 2.98% -2.61% -2.61% 0.27% 0.27% -1.32% -1.32% -2.62% -2.62% 3.86% 3.86% Since Variable Portfolio Inception -6.74% -4.88% -7.98% -6.05% 8.29% 8.29% 5.77% 5.77% 4.02% 4.02% Since Trust Inception 9.64% 9.64% 8.07% 8.07% 9.28% 9.28% 7.71% 7.71% 5.94% 5.94% The performance data quoted represents past performance, which does not guarantee future results. Investment return and principal value of a Polaris Platinum III Variable Annuity will fluctuate so that an investor s shares, when redeemed, may be worth more or less than their original cost. Early withdrawals may incur a withdrawal charge. Polaris Platinum III withdrawal charges decline over seven years as follows: %. Current performance may be lower or higher than the performance data quoted. For performance data current to the most recent month-end, please visit our website at More important information about Polaris Platinum III Variable Annuity performance: THE SEPARATE ACCOUNT The Separate Account is comprised of variable portfolios. The Separate Account that funds Polaris Platinum III also funds other contracts that have been available for sale to the public longer than Polaris Platinum III. Many of the variable portfolios available in Polaris Platinum III were available in the predecessor contract, Polaris Platinum II. The variable portfolios have been part of the Separate Account since the portfolio inception dates shown. TRUSTS When you invest in a variable portfolio offered in the Polaris Platinum III Variable Annuity, the Separate Account makes a corresponding investment in an underlying fund of the related trust in this illustration, the SunAmerica Series Trust (SAST) and the Anchor Series Trust (AST). The underlying funds of the trust existed prior to the date that the variable portfolios became available in the Separate Account that funds Polaris Platinum III. The SAST underlies the American Funds Growth portfolio and the American Funds Growth-Income portfolio. The AST underlies the remaining portfolios. RETURNS All returns are annualized and net of total portfolio expenses. Expenses as of 5/1/10 are: American Funds Growth SAST: 0.91%; American Funds Growth-Income SAST: 0.86%; Capital Appreciation: 1.00%; Growth: 1.04%; and Government and Quality Bond: 0.86%. The following types of returns are included: Actual Returns (not shown in italics) are the standardized returns of the variable portfolio since its inception in the Separate Account. These returns are net of certain fees and charges (as disclosed above). Hypothetical Adjusted Historical Returns (shown in italics) are the returns for periods since inception into the Trust, prior to the date the variable portfolio became available in the Separate Account. These returns are derived from the performance of the corresponding underlying fund in the trust (SAST or AST) net of certain fees and charges (as described above). We provide the SAST and AST trust portfolio inception date to help you understand the time frame for the hypothetical adjusted historical returns since the trust s inception. In the case of the American Funds Growth SAST portfolio and the American Funds Growth-Income SAST portfolio, the hypothetical adjusted historical returns are derived from the performance of the corresponding portfolio in the underlying American Funds Insurance Series (AFIS) trust adjusted to reflect certain fees and charges (as disclosed above) as if the portfolio had been available in the Separate Account during the stated period. 1 The American Funds SunAmerica Series Trust ( SAST ) portfolios ( Feeder Funds ) do not invest directly in individual securities; instead they invest all of their assets in corresponding funds ( Master Funds ) of the American Funds Insurance Series. Investing in a Feeder Fund will result in higher fees and expenses than investing directly in a Master Fund. Please see the prospectus and Statement of Additional Information for more information regarding the master-feeder fund structure. The SunAmerica Variable Annuities are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds, which should be considered carefully before investing. Please contact your insurance-licensed financial advisor or call to obtain a prospectus. Please read the prospectus carefully before investing. S&P and Standard & Poor s are trademarks of Standard & Poor s and have been licensed for use by SunAmerica Annuity and Life Assurance Company. CBOE Volatility Index and VIX are trademarks of the Chicago Board Options Exchange, Incorporated ( CBOE ) and have been licensed for use by Standard & Poor s. The Polaris Variable Annuities are not sponsored, endorsed, sold or promoted by Standard & Poor s or the CBOE and neither Standard & Poor s nor the CBOE makes any representation regarding the advisability of investing in a Polaris Variable Annuity. This material was prepared to support the marketing of the SunAmerica Variable Annuities. Please keep in mind that neither SunAmerica, nor its distributors and representatives, may give tax, accounting or legal advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Please seek the advice of an independent tax advisor or attorney for more complete information concerning your particular circumstances and any tax statements made in this material. All contract and optional benefit guarantees, including any fixed account crediting rates or annuity rates, are backed by the claims-paying ability of SunAmerica Annuity and Life Assurance Company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any representations or guarantees regarding the claims-paying ability of SunAmerica Annuity and Life Assurance Company. The SunAmerica Variable Annuities are issued by SunAmerica Annuity and Life Assurance Company. Products and features may not be available in all states. Policy form numbers: AS-972C (4/04), AS-973 (4/04), AS-980C (5/06), AS-981 (5/06), and ASE-6229 (6/07). The purchase of a variable annuity is not required for and is not a term of the provision of any banking service or activity. Distributed by SunAmerica Capital Services, Inc., Oxnard Street, Woodland Hills, CA, 91367, Not FDIC or NCUA/NCUSIF Insured May Lose Value No Bank or Credit Union Guarantee Not a Deposit Not Insured by any Federal Government Agency MSA M4960CN4 (9/10)
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