Schwab OneSource Choice - Return of Premium Death Benefit Investment Performance as of 11/30/2018

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1 Schwab OneSource Choice - Return of Premium Death Benefit Investment Performance as of /0/208 Current performance may be lower or higher than performance data shown. Performance data quoted represents past performance and is not a guarantee or prediction of future results. For performance data current to the most recent month-end, please visit This investment option is offered through an individual flexible premium variable annuity, which is sold by prospectus only. Before purchasing an annuity, you should carefully consider its investment options' objectives and all the risks, charges and expenses associated with the annuity and its investment options. For this and other important information, you can view the prospectus for the annuity or its underlying funds online. Please read prospectuses carefully before investing or sending money. An investment in a Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $.00 per share, it is possible to lose money by investing in the fund. For additional fund information, please refer to the Fund Fact Sheet or Prospectus. Guaranteed Retirement Income Returns as of Month Ending /0/208 Returns as of Quarter Ending 09/28/208 Calendar Returns 0 / Since Month 0 / Since GLWB Rider: GW SecureFoundation Bal Inv 2,26,47,0 N/A 0.6 / N/A N/A GLWB Rider: GW Conservative Profile Inv 2,27 N/A 0.87 / N/A N/A N/A N/A N/A N/A N/A.4 N/A N/A N/A GLWB Rider: GW Moderate Profile Inv 2,28 N/A 0.98 / N/A N/A N/A N/A N/A N/A N/A 2.86 N/A N/A N/A GLWB Rider: GW Moderately Cnsrv Pfl Inv 2,27 N/A 0.92 / N/A N/A N/A N/A N/A N/A N/A 2.08 N/A N/A N/A Bond Federated Fd for US Govt Sec II Primary 2,6,2 N/A 0.8 / Great-West Bond Index Inv 2,6,24 N/A 0. / N/A N/A N/A N/A N/A N/A N/A 0.09 N/A N/A N/A Great-West Multi-Sector Bond Inv 2,6,24 N/A 0.9 / N/A N/A N/A N/A.7.7 N/A N/A Invesco VI High Yield I 2,6,6 N/A.02 / Janus Henderson Flexible Bond Svc 2,6 N/A 0.8 / PIMCO VIT Emerging Markets Bond Admin 2,6 N/A.00 / N/A N/A N/A N/A N/A N/A N/A PIMCO VIT High Yield Admin 2,6 N/A 0.76 / PIMCO VIT Low Duration Admin 2,6 N/A 0.6 / PIMCO VIT Real Return Admin 2,6 N/A.04 / N/A N/A Pioneer Bond VCT I 2,6 N/A 0.64 / N/A N/A N/A N/A N/A N/A N/A 0.26 N/A N/A N/A PIMCO VIT Total Return Admin 2,6 N/A 0.69 / Putnam VT Mortgage Securities 2,6,4 N/A 0.9 / Putnam VT Income IA 2,6 N/A 0.8 / N/A N/A N/A Dec Investment Options at a Glance Page of 7

2 Schwab OneSource Choice - Return of Premium Death Benefit (Continued) Returns as of Month Ending /0/208 Returns as of Quarter Ending 09/28/208 Calendar Returns 0 / Since Month 0 / Since Touchstone Bond 2,6,9 N/A 0.74 / Templeton Global Bond Sec Cl2 2,4,6,4 N/A 0.8 / N/A N/A VanEck VIP Uncons Emerg Mkts Bd I 2,,6,0,42 N/A.7 / Index DWS Small Cap Index VIP A 2, N/A 0. / NVIT Mid Cap Index II 2, N/A 0.60 / Schwab S&P 00 Index Portfolio 2,7 N/A 0.0 / Asset Allocation/Other American Century VP Balanced I 2, N/A 0.9 / BlackRock Global Allocation V.I. I 2,4 N/A 0.7 / N/A N/A Great-West Aggressive Profile Inv 2 N/A.4 / N/A N/A N/A N/A N/A N/A N/A 4. N/A N/A N/A Great-West Conservative Profile Inv 2,27 N/A 0.87 / N/A N/A N/A N/A N/A N/A N/A.4 N/A N/A N/A Great-West Lifetime 20 Inv 2,26 N/A 0.89 / N/A N/A N/A N/A N/A N/A N/A 2.7 N/A N/A N/A Great-West Lifetime 2020 Inv 2,22 N/A 0.90 / N/A N/A N/A N/A N/A N/A N/A 2.7 N/A N/A N/A Great-West Lifetime 202 Inv 2,24 N/A 0.90 / N/A N/A N/A N/A N/A N/A N/A 2.76 N/A N/A N/A Great-West Lifetime 200 Inv 2,24 N/A 0.92 / N/A N/A N/A N/A N/A N/A N/A.6 N/A N/A N/A Great-West Lifetime 20 Inv 2 N/A 0.92 / N/A N/A N/A N/A N/A N/A N/A.7 N/A N/A N/A Great-West Lifetime 2040 Inv 2,24 N/A 0.94 / N/A N/A N/A N/A N/A N/A N/A.7 N/A N/A N/A Great-West Lifetime 204 Inv 2,24 N/A 0.94 / N/A N/A N/A N/A N/A N/A N/A.70 N/A N/A N/A Great-West Lifetime 200 Inv 2,24 N/A 0.9 / N/A N/A N/A N/A N/A N/A N/A.7 N/A N/A N/A Great-West Lifetime 20 Inv 2,24 N/A 0.9 / N/A N/A N/A N/A N/A N/A N/A.47 N/A N/A N/A Great-West Moderately Agg Prfl Inv 2,26 N/A.0 / N/A N/A N/A N/A N/A N/A N/A.29 N/A N/A N/A Great-West Moderately Cnsrv Pfl Inv 2,27 N/A 0.92 / N/A N/A N/A N/A N/A N/A N/A 2.08 N/A N/A N/A Great-West Moderate Profile Inv 2,28 N/A 0.98 / N/A N/A N/A N/A N/A N/A N/A 2.86 N/A N/A N/A Janus Henderson Balanced Svc 2 N/A 0.88 / Putnam VT Global Asset Allocation IA 2 N/A 0.86 / N/A N/A N/A N/A N/A N/A Large-Cap Alger Capital Appreciation Ptfl I-2 2 N/A 0.94 / N/A N/A N/A Alger Large Cap Growth I-2 2, N/A 0.90 / AB VPS Growth A 2 N/A.2 / AB VPS Growth and Inc A 2 N/A 0.60 / Dec Investment Options at a Glance Page 2 of 7

3 Schwab OneSource Choice - Return of Premium Death Benefit (Continued) Returns as of Month Ending /0/208 Returns as of Quarter Ending 09/28/208 Calendar Returns 0 / Since Month 0 / Since American Century VP Income & Growth I 2 N/A 0.7 / N/A N/A American Century VP Value I 2, N/A 0.97 / American Funds IS Growth-Income 4 2 N/A 0.78 / N/A N/A N/A N/A N/A N/A N/A 8.07 N/A N/A N/A ClearBridge Variable Large Cap Growth I 2 N/A 0.80 / N/A N/A N/A N/A N/A N/A N/A 0.4 N/A N/A N/A Columbia VP Large Cap Growth 2 2 N/A.00 / * * * * * * N/A N/A Delaware VIP Value Series Std 2 N/A 0.70 / N/A N/A N/A N/A.77 N/A N/A N/A Dreyfus VIF Appreciation Initial 2,0 N/A 0.8 / Dreyfus VIF Growth & Income Init 2 N/A 0.90 / DWS Capital Growth VIP A 2 N/A 0.0 / DWS Core Equity VIP A 2 N/A 0.7 / DWS Croci US VIP A 2,0,6 N/A 0.82 / Invesco VI Comstock I 2 N/A 0.76 / Invesco VI Growth and Income I 2 N/A 0.76 / Pioneer VCT I 2 N/A 0.77 / Putnam VT Equity Income IB 2 N/A 0.82 / Putnam VT Multi-Cap Core IA 2 N/A 0.68 / N/A N/A Touchstone Common Stock 2 N/A 0.72 / Touchstone VST Focused 2 N/A.7 / Wells Fargo VT Omega Growth 2 2,4 N/A.07 / N/A N/A Mid-Cap Alger Mid Cap Growth I-2 2,,0 N/A 0.99 / AB VPS Small/Mid Cp Val A 2, N/A 0.82 / American Century VP Mid Cap Value II 2,,8 N/A.6 / ClearBridge Variable Mid Cap I 2, N/A 0.8 / N/A N/A N/A N/A.0.84 N/A N/A Delaware VIP Smid Cap Core Series Std 2, N/A 0.8 / Dreyfus IP MidCap Stock Init 2, N/A 0.87 / DWS Small Mid Cap Growth VIP A 2, N/A 0.7 / DWS Small Mid Cap Value VIP A 2,,0,22 N/A 0.8 / Great-West Mid Cap Value Inv 2,,29 N/A.9 / N/A N/A N/A N/A N/A N/A Great-West T Rowe Price MdCp Gr Fund Inv 2,,24 N/A.0 / N/A N/A N/A N/A 7.49 N/A N/A N/A Invesco VI Mid Cap Core Equity I 2,,0,7 N/A 0.99 / LVIP Baron Growth Opportunities Svc 2,,20 N/A. / Dec Investment Options at a Glance Page of 7

4 Schwab OneSource Choice - Return of Premium Death Benefit (Continued) Returns as of Month Ending /0/208 Returns as of Quarter Ending 09/28/208 Calendar Returns 0 / Since Month 0 / Since MFS VIT III Mid Cap Value Initial 2, N/A 0.8 / N/A N/A N/A N/A 8.86 N/A N/A N/A Neuberger Berman AMT M/C Intrinsic Val S 2, N/A.26 / Pioneer Mid Cap Value VCT II 2,,0 N/A 0.96 / Pioneer Select Mid Cap Growth VCT I 2, N/A 0.88 / Wells Fargo Advantage VT Discovery 2,,24 N/A.7 / Wells Fargo Advantage VT Opportunity 2 2,,8 N/A. / Small-Cap ClearBridge Variable Small Cap Growth I 2, N/A 0.82 / N/A N/A N/A Columbia VP Small Cap Value 2 2,,2 N/A.29 / Delaware VIP Small Cap Value Series Std 2, N/A 0.78 / Franklin Small Cap Value VIP 2 2,,24 N/A 0.92 / Great-West Invesco SmCap Value Fund Inv 2,,0 N/A.40 / N/A N/A N/A N/A N/A N/A Invesco VI Small Cap Equity I 2, N/A 0.97 / JPMorgan Insurance Tr Small Cap Core 2, N/A 0.8 / Oppenheimer Main Street Small Cap VA 2,, N/A 0.82 / N/A N/A Putnam VT Small Cap Value IA 2, N/A.07 / N/A N/A N/A Touchstone Small Company 2, N/A 0.77 / International AB VPS Intl Growth A 2,4,2 N/A.24 / ALPS/Red Rocks Listed Private Eq I 2,4,9 N/A 2.4 / N/A N/A N/A N/A N/A N/A American Century VP International I 2,4,4 N/A. / N/A N/A American Funds IS New World 2 2,4 N/A.0 / N/A N/A N/A N/A N/A N/A Delaware VIP Emerging Markets Std 2,,4,22 N/A.8 / N/A N/A Delaware VIP Intl Value Equity Ser Std 2,4,22 N/A.06 / N/A N/A N/A N/A N/A N/A N/A -. N/A N/A N/A DWS Global Small Cap VIP A 2,4,2 N/A.08 / N/A N/A Invesco VI International Growth I 2,4,6 N/A 0.94 / Ivy VIP International Core Equity 2,4 N/A.6 / N/A N/A N/A Janus Henderson Global Research Inst 2,4 N/A 0.64 / Lazard Retirement Emerging Mkts Eq Ser 2,,4 N/A.8 / MFS VIT II International Value Svc 2,4,24 N/A.6 / Oppenheimer Global VA Non-Svc 2,4 N/A 0.78 / Dec Investment Options at a Glance Page 4 of 7

5 Schwab OneSource Choice - Return of Premium Death Benefit (Continued) Returns as of Month Ending /0/208 Returns as of Quarter Ending 09/28/208 Calendar Returns 0 / Since Month 0 / Since Oppenheimer International Growth VA 2,4,2 N/A.0 / N/A N/A Putnam VT International Equity IA 2,4 N/A 0.84 / N/A N/A N/A N/A N/A N/A Putnam VT International Value IA 2,4 N/A 0.90 / N/A N/A N/A Templeton Foreign VIP 2 2,4,24 N/A.09 / N/A N/A Speciality AB VPS Real Estate A 2,8,9 N/A.0 / Columbia VP Seligman Global Tech 2 2,4,8,27 N/A. / Goldman Sachs VIT Multi-Strat Alts Svc 2,8, N/A 2.6 / N/A N/A N/A N/A N/A N/A Invesco VI Technology I 2,8,0 N/A.06 / Janus Henderson Global Technology Svc 2,8 N/A.00 / N/A N/A MFS VIT Utilities Svc 2,8 N/A.0 / PIMCO VIT Commodity Real Ret Strat Admin 2,8,,49 N/A.4 / N/A N/A Putnam VT Global Health Care IB 2,8,0 N/A.0 / T. Rowe Price Health Sciences Port II 2,8,40 N/A.20 / N/A N/A VanEck VIP Global Hard Assets S 2,8,49 N/A.4 / Money Market Schwab Government Money Market Portfolio (7-day SEC yield: *%),2,7 N/A 0.0 / These returns and fund operating expenses are expressed as percentages., and 0 /Since returns shown are annualized. For 0 /Since, if the fund was not in existence for 0 years, returns shown are since inception. If the fund is less than one year old, returns are not annualized. Performance returns reflect a deduction for fund operating expenses and the maximum mortality and expense risk (M&E) charge of 0.8%. The M&E charge for your variable annuity may be lower. Returns shown do not reflect the deduction of contingent deferred sales charge (CDSC) or surrender charge of 0.00%. The returns shown would be reduced if this charge was applied. Funds may impose redemption fees and/or transfer restrictions if assets are held for less than the published holding period. For more information, see the fund's prospectus and/or disclosure documents. The principal underwriter of Great-West Funds, Inc. is its affiliate GWFS Equities, Inc., Member FINRA/SIPC. Great-West Capital Management, LLC is the investment adviser. Expense ratios provided are the Funds' total annual operating expense ratios, gross of any fee waivers or expense reimbursement. Great-West Financial(R). Empower Retirement and Great-West Investments (TM) are the marketing names of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life and Annuity Insurance Company of New York, Home Office: New York, NY, and their subsidiaries and affiliates, including registered investment advisers Advised Assests Group, LLC and Great-West Capital Management, LLC You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $ per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. 2 Offered through an individual flexible premium variable annuity issued by Great-West Life & Annuity Insurance Company, or in New York, Great-West Life & Annuity Insurance Company of New York. Returns prior to the date the annuity contract was first offered for sale are hypothetical and are based on the inception date of the underlying investment option, adjusted to reflect the deduction of fees and charges associated with the annuity contract. A ticker symbol is not available for this investment option. Dec Investment Options at a Glance Page of 7

6 Schwab OneSource Choice - Return of Premium Death Benefit (Continued) Equity securities of companies located in emerging markets involve greater risks than investing in more established markets, including currency fluctuations, political developments and share illiquidity. 4 Foreign investments involve special risks, including currency fluctuations, taxation differences and political developments. Equity securities of small and mid-size companies may be more volatile than securities of larger, more established companies. 6 Compared to more highly rated securities, high-yield bond investment options are subject to a greater risk, including the risk of default. A bond fund's yield, share price and total return change daily and are based on changes in interest rates, market conditions, economic and political news and quality and maturity of its investments. In general, bond prices fall when interest rates rise and vice versa. 7 "Standard & Poor's(R)", "S&P(R)", "S&P 00(R)", "Standard & Poor's 00" and "00" are trademarks of the McGraw-Hill Companies, Inc., and have been licensed for use by the Schwab S&P 00 Fund. The Schwab S&P 00 Fund is not sponsored, endorsed, sold or promoted by Standard & Poor's, and Standard & Poor's makes no representation regarding the advisability of investing in the fund. 8 Specialty funds invest in a limited number of companies and are generally non-diversified. As a result, changes in market value of a singular issuer could cause greater volatility than with a more diversified fund. 9 Real estate securities and trusts involve greater risks than other non-diversified investments, including but not limited to: declining property values, varying economic conditions, changes in zoning laws or losses from casualty. Real estate securities that invest in foreign real estate involve additonal risk, including currency fluctuations and political developments. 0 This investment option is no longer available. From time to time an investment option may be closed. Closed investment options are no longer available for new deposits or transfers. The Fund has a Contractual Management Fee Waiver in the amount of.02%. 2 The Fund has a Contractual Waiver in the amount of.0% which expires on 0-MAY The Fund has a Contractual Management Fee Waiver in the amount of.6% which expires on -JUL The Fund has a Contractual Management Fee Waiver in the amount of.2% which expires on -JUL-209. The Fund has a Contractual Management Fee Waiver in the amount of.2% which expires on -JUL The Fund has a Contractual Waiver in the amount of.0% which expires on 0-JUN The Fund has a Contractual Waiver in the amount of.02% which expires on 0-JUN The Fund has a Contractual Management Fee Waiver in the amount of.6% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.9% which expires on 29-APR The Fund has a Contractual Waiver in the amount of.% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.2% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.02% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.0% which expires on 0-APR The Fund has a Voluntary Waiver in the amount of.07% which expires on 0-MAY The Fund has a Contractual Waiver in the amount of.0% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.08% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.06% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.04% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.22% which expires on 0-APR-209. The Fund has a Contractual Waiver in the amount of.27% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.% which expires on 0-APR-209.The Fund has a Voluntary Cap in the amount of %. The Fund has a Voluntary Cap in the amount of.8%.the Fund has a Contractual Waiver in the amount of.02% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.6% which expires on 0-APR-209. The Fund has a Contractual Waiver in the amount of.4%. Dec Investment Options at a Glance Page 6 of 7

7 Schwab OneSource Choice - Return of Premium Death Benefit (Continued) 6 The Fund has a Contractual Waiver in the amount of.09% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.%. 8 The Fund has a Contractual Waiver in the amount of.% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.04% which expires on 26-OCT The Fund has a Contractual Management Fee Waiver in the amount of.0% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.07% which expires on 0-APR The Fund has a Contractual Waiver in the amount of.47% which expires on 0-MAY The Fund has a Contractual Waiver in the amount of.02% which expires on 29-NOV The Fund has a Contractual Waiver in the amount of.04% which expires on -JUL The Fund has a Contractual Waiver in the amount of.% which expires on -OCT Although data is gathered from reliable sources, including but not limited to Morningstar, Inc., the completeness or accuracy of the data shown cannot be guaranteed. Where data obtained from Morningstar, (C)207 Morningstar, Inc. All rights reserved. The Data: () is the proprietary to Moringstar and/or its content providers; (2) may not be copied or distributed and () 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 this information. Past performance is no guarantee of future results. 47 If you purchase shares of (or allocate account value to) the Great-West SecureFoundation Balanced Fund, you are required to purchase the Great-West SecureFoundation guaranteed income benefit offered through a variable annuity rider issued by Great-West Life & Annuity Insurance Company or, in New York, Great-West Life & Annuity Insurance Company of New York. The guaranteed income benefit does not guarantee the investment performance of the Fund, and the expenses associated with the guaranteed income benefit are not reflected in the performance of the Fund. Please see the product prospectus for more information. 48 The Guaranteed Portfolio Fund is backed by the general assets of GWL&A. 49 The value of commodity-linked investments may be affected by financial factors, political developments and natural disasters. As such, investment options that invest primarily in commodities may experience greater volatility than investments in traditional securities. 0 The principal underwriter of Great-West Funds, Inc. is its affiliate GWFS Equities, Inc., Member FINRA/SIPC. The Great-West SecureFoundation ETF Fund is not an Exchange Traded Fund (ETF), instead it is an asset allocation fund that invests in underlying ETFs which are typically open-end investment companies or unit investment trusts. This Fund is managed by Great-West Capital Management, LLC (GWCM) and invests primarily in exchange-traded funds (ETFs) managed by The Vanguard Group, Inc. The Vanguard Group, Inc. is not affiliated with Great-West Funds, Inc., Great-West Capital Management, LLC, or their affiliates. Shares of Great-West Funds, Inc. are not sold directly to the general public but are offered to permitted accounts as defined in the prospectus. Asset allocation funds of Great-West Funds may invest in funds that are advised by Great-West Capital Management, LLC or are sub-advised by affiliates of GWCM. Asset allocation funds may also invest in a fixed-interest contract issued by GWL&A. While certain sub-advised funds may be managed similar to or modeled after other mutual funds with similar names and investment objectives, the Great-West Funds are not directly related to them. Consequently, the investment performance and other features of other mutual funds and any similar named Great-West Funds may differ substantially. Dec Investment Options at a Glance Page 7 of 7