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Understanding your RetireFIT Statement

As you prepare for retirement, knowing just how much income you will

need to live comfortably should be at the top of your list. The quarterly

EMRI Tracker will provide you with your retirement income target. This

tracker was designed with the goal of helping people like you understand

your retirement needs and your retirement income gap.

QUARTERLY OUTLOOK – Highlights your personal rate of return—quarterly, year-to-date and one-year, your current investment strategy in both pre-tax and Roth contributions, and a summary of the fees charged to your account.

Understanding the Quarterly Estimated Monthly Retirement Income (EMRI) Tracker Statement

Account Summary: Quarterly information as of [mm/dd/yyyy]

Cone Balance $XXX,XXX,XXX.00 • 403(b) $XXX,XXX,XXX.00

• 401(a) $XXX,XXX,XXX.00 • 457(b) $XXX,XXX,XXX.00

Vested Cone Balance and Percentage: $XXX,XXX,XXX.00 XXX%

Investment Earnings $XXX,XXX,XXX.00 Total VALIC Balance $XXX,XXX,XXX.00

Cone ContributionsEmployee $XXX,XXX,XXX.00 Employer $XXX,XXX,XXX.00

ACCOUNT SUMMARY – Gives you a snapshot of your account balances, vesting, investment earnings, and all contributions made to your account.

Quarterly Outlook

Current Strategy

Pre-Tax Roth

Savings Rate $XX,XXX.00 $XX,XXX.00

Take the steps today to get on track for retirement.Personal Rate of Return1

Quarterly YTD 1-YRXXXX.XX% XXXX.XX% XXXXX.XX%

Fees2 Service Fee

Administrative Fee

$XXX,XXX.00 $XXX,XXX.00

1 Personalized rate of return is a measure of the performance of the investments that you hold in your retirement plan account. It indicates the return on investments over a period of time and factors in the activities that affect your account including i) performance of investments, ii) contributions and iii) withdrawals and loans. Remember past performance does not guarantee future results. Your personal rate of return is provided at a portfolio level. For personal rates of return on individual plans, please refer to the Performance Summary section in your account statement.

2 You will see two fees that have already been deducted from your plan account balances displayed above : i) the service fee for on-site services provided by VALIC financial advisors and ii) the administrative fee for recordkeeping associated with the plans.

Copyright © The Variable Annuity Life Insurance Company. All rights reserved.

VC 26773 (04/2015) J95669 EE

Securities and investment advisory services offered through VALIC Financial Advisors, Inc., member FINRA, SIPC and an SEC-registered investment advisor.

Annuities issued by The Variable Annuity Life Insurance Company. Variable annuities distributed by its affiliate, AIG Capital Services, Inc., member FINRA.

VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc. and VALIC Retirement Services Company.

VALIC.com/conehealth

Cone Health System Estimated Monthly Retirement Income (EMRI)

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ARE YOU ON TARGET? – Depending on your situation, one of the images below will appear on your statement, which can help you answer that question. The Retirement Readiness section is designed to help you determine if you are preparing for the retirement you want and deserve.

Estimated Monthly Retirement Income (EMRI) as of [mm/dd/yyyy]

$XXX,XXX,XXXEstimated Annual Retirement Income

$XXX,XXX,XXXEstimated Monthly Retirement Income

IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

VALIC assumes the following: Retirement Income Target: 80% of your current after-tax salary Retirement Age: 65

Estimated Monthly RetirementIncome

EMRI TARGET

GAP

$XXX,XXX,XXX

10K

9K

8K

7K

6K

5K

4K

3K

2K

1K

0

[

[

Retirement Readiness

Don’t delay reviewing your savings strategy; it could make the difference in your retirement.

You have a gap in your retirement strategy.You’re currently on target for the retirement you want.

You have not provided Cone with critical information to assess your retirement strategy.

Retirement Readiness

Estimated Monthly Retirement Income (EMRI) as of [mm/dd/yyyy]

$XXX,XXX,XXX Estimated Annual Retirement Income

$XXX,XXX,XXX Estimated Monthly Retirement Income

IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

VALIC assumes the following: Retirement Income Target: 80% of your current after-tax salary Retirement Age: 65

YOU ARE ON TRACK TO MEET YOUR RETIREMENT

INCOME TARGET.

Don’t delay reviewing your savings strategy; it could make the difference in your retirement.

Estimated Monthly Retirement Income (EMRI) as of [mm/dd/yyyy]

$XXX,XXX,XXX Estimated Annual Retirement Income

$XXX,XXX,XXX Estimated Monthly Retirement Income

VALIC assumes the following: Retirement Income Target: 80% of your current after-tax salary Retirement Age: 65

IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

Retirement Readiness

Don’t delay reviewing your savings strategy; it could make the difference in your retirement.

Want more help? Make an appointment with a financial advisor by calling Andrea Vaughn, assistant to VALIC financial advisors; David Dupont, Kevin Hanner, Jan Walker, at 336-605-6440.