AF Advantage Variable Annuity - American Fidelity Separate Account B * July 31, 2018 Monthly Performance

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1 July 3, 208 Monthly Performance Annuities can provide an effective and systematic method of saving for retirement. Variable annuities offer growth potential which can help build wealth by keeping up with inflation. Variable annuities also offer the potential of greater returns in exchange for a higher degree of risk. The AF Advantage Variable Annuity was designed for people seeking long-term tax-deferred earnings, generally for retirement savings. Investment in a variable annuity contract is subject to risks, including possible loss of the principal amount invested. The shorter the time period for the investment, the greater the possibility of loss. These investment accounts are not insured by the U.S. Government or any other agency. The performance data presented represents past performance, and is not a guarantee of future results. Current performance may be lower or higher than the performance presented here. Investment return and principal value will fluctuate so that an investor s units, when redeemed, may be worth more or less than their original cost. Consider the investment objectives, risks, charges and expenses of the investment product carefully before investing. The separate account and portfolio prospectuses contain this and other important information about the variable annuity product. Please contact your American Fidelity representative to obtain the separate account and portfolio prospectuses, or call American Fidelity directly at The separate account and applicable portfolio prospectus should be read carefully before investing. In certain instances, these pages contain measures of performance earned by the various portfolios, at times prior to their offering as eligible investment options in the AF Advantage Variable Annuity - Separate. This is referred to as pre-dated performance. These pre-dated fund performance measures are hypothetical because the portfolio was not available in the variable annuity prior to its inception date. Because of market volatility, current fund performance may have changed since these returns were compiled. Please reference these notes when reviewing the performance information on the following pages. N/A Performance information not available for all or part of the period indicated. () Date the sub-account was first offered by the AF Advantage Variable Annuity - Separate. (2) The original inception date of each portfolio offered by the AF Advantage Variable Annuity - Separate. (3) May be derived from the portfolio s performance prior to being offered by Separate, if portfolio inception date is before the date of inclusion in Separate. This performance is net of portfolio and Separate expenses, except the early withdrawal charge. The early withdrawal charge is reflected in the Average Annual Total Return With Withdrawal Charges. (4) Reflects Average Annual Total Return Without Withdrawal Charges since the sub-account was first offered by the AF Advantage Variable Annuity - Separate. If less than one year, reflects total return for the period and is not annualized. * FVA-97/FVA-04: Products may not be available in all states. Information Published: August 208 Page of 6 - Not Complete Without All Pages.

2 AF Advantage Variable Annuity - American Fidelity Separate July 3, 208 Monthly Performance () Average Annual Total Return With Withdrawal Charges assumes the funds were offered by the AF Advantage Variable Annuity - Separate for the periods indicated, and the original investment amount is $,000. It is calculated by determining the average annual compounded rate of return over each period, net of portfolio and Separate annual expenses. Separate account annual expenses equal.0% of the average daily account value, plus the $ annual contract maintenance fee. (6) May be derived from the portfolio s performance prior to being offered by the AF Advantage Variable Annuity - Separate, if portfolio inception date is before the date of inclusion in Separate. This performance is net of portfolio and Separate expenses, including the early withdrawal charge. (7) Reflects Average Annual Total Return With Withdrawal Charges since the sub-account was first offered by the AF Advantage Variable Annuity - Separate. This performance is net of portfolio and Separate expenses, including the early withdrawal charge. If less than one year, reflects total return for the period and is not annualized. The variable annuity policy contains a penalty for early withdrawal. The withdrawal charge is a percentage of the amount withdrawn, and would vary depending on the year a policy was surrendered, and if the withdrawal charge applied to the transaction. Withdrawal charges do not apply to 0% withdrawals per year, after the first policy year; death or total disability of the annuitant; or annuitization of funds if taken over 72 months or 7 annual payments. The withdrawal charges are: year one, 8 percent; year two, 7 percent; year three, 6 percent; year four, percent; year five, 4 percent; year six, 3 percent; year seven, 2 percent; year eight, percent; year nine and thereafter, 0 percent. Total early withdrawal charges will never exceed 8 percent of total contributions. Inclusion of the withdrawal charge would affect the net performance. Withdrawals prior to age 9½ may be subject to ordinary income tax and a 0% IRS penalty. American Fidelity Assurance Company 9000 Cameron Parkway Oklahoma City, Oklahoma Page 2 of 6 - Not Complete Without All Pages.

3 Separate Date: October 27, 997 July 3, 208 Monthly Performance () Date (2) Year (3) Average Annual Total Return Without Withdrawal Charge Since 0 If Less Year (3) Year (3) Than 0 Years (3) (4) Vanguard VIF Total Bond Market Index 0-May-200 Apr % 0.48%.98% 3.78% 2.09% Vanguard VIF Balanced 0-May-200 May % 7.00% 6.80% 7.78% 6.30% American Funds IS Blue Chip Income and Growth Fund 0-May-208 July % 0.9% 8.%.24% 2.8% BlackRock Basic Value V.I. Fund 0-May-999 Jul % 7.0% 6.88% 7.87%.30% Dreyfus Stock Index Fund, Inc. 27-Oct-997 Sep % 0.96% 8.49% 7.74%.32% Vanguard VIF Total Stock Market Index 0-Dec-204 Aug % 0.88% 8.84% 8.40% 9.3% Dreyfus Sustainable U.S. Equity, Inc. 27-Oct-997 Oct % 8.29% 7.70% 6.4% 3.99% Vanguard VIF Capital Growth 0-May-200 Dec %.00% 0.86%.02%.28% BlackRock Advantage U.S. Total Market V.I. Fund 27-Oct-997 Apr % 8.99% 7.63% 8.30% 7.90% Dreyfus VIF Opportunistic Small Cap 0-Oct-207 Aug-990.0% 9.78% 8.42% 3.46% 4.90% Vanguard VIF Mid-Cap Index 0-Dec-204 Jan-999.0% 9.74% 8.93% 8.6% 7.64% American Funds IS International Fund 0-Dec-204 May % 6.33% 3.% 6.74%.34% * FVA-97/FVA-04: Products may not be available in all states. Information Published: August 208 Page 3 of 6 - Not Complete Without All Pages.

4 Separate Date: October 27, 997 July 3, 208 Monthly Performance Date Year (6) Average Annual Total Return With Withdrawal Charge Since 0 If Less Year (6) Year (6) Than 0 Years (6) Vanguard VIF Total Bond Market Index 0-May-200 Apr % -0.26%.98% 3.78% 2.09% Vanguard VIF Balanced 0-May-200 May % 6.22% 6.80% 7.78% 6.30% American Funds IS Blue Chip Income and Growth Fund 0-May-208 July % 0.0% 8.%.24% -2.% BlackRock Basic Value V.I. Fund 0-May-999 Jul % 6.27% 6.88% 7.87%.30% Dreyfus Stock Index Fund, Inc. 27-Oct-997 Sep % 0.% 8.49% 7.74%.32% Vanguard VIF Total Stock Market Index 0-Dec-204 Aug % 0.07% 8.84% 8.40% 7.94% Dreyfus Sustainable U.S. Equity, Inc. 27-Oct-997 Oct % 7.0% 7.70% 6.4% 3.99% Vanguard VIF Capital Growth 0-May-200 Dec % 4.6% 0.87%.02%.28% BlackRock Advantage U.S. Total Market V.I. Fund 27-Oct-997 Apr % 8.9% 7.63% 8.30% 7.90% Dreyfus VIF Opportunistic Small Cap 0-Oct-207 Aug % 8.98% 8.42% 3.46%.0% Vanguard VIF Mid-Cap Index 0-Dec-204 Jan % 8.94% 8.93% 8.6% 6.30% American Funds IS International Fund 0-Dec-204 May %.% 3.% 6.74% 4.03% * FVA-97/FVA-04: Products may not be available in all states. Information Published: August 208 Page 4 of 6 - Not Complete Without All Pages. American Fidelity Assurance Company 9000 Cameron Parkway Oklahoma City, Oklahoma

5 Separate Date: October 27, 997 June 30, 208 Quarterly Performance () Date (2) Year (3) Average Annual Total Return Without Withdrawal Charge Since 0 If Less Year (3) Year (3) Than 0 Years (3) (4) Vanguard VIF Total Bond Market Index 0-May-200 Apr-99-2.% 0.%.98% 3.80% 2.% Vanguard VIF Balanced 0-May-200 May-99.03% 7.0% 6.29% 7.67% 6.08% American Funds IS Blue Chip Income and Growth Fund 0-May-208 July %.24% 8.32%.08% 7.2% BlackRock Basic Value V.I. Fund 0-May-999 Jul % 7.3% 6.43% 7.72%.09% Dreyfus Stock Index Fund, Inc. 27-Oct-997 Sep %.26% 7.99% 7.63%.6% Vanguard VIF Total Stock Market Index 0-Dec-204 Aug %.34% 8.40% 8.23% 8.8% Dreyfus Sustainable U.S. Equity, Inc. 27-Oct-997 Oct % 8.42% 7.% 6.27% 3.82% Vanguard VIF Capital Growth 0-May-200 Dec % 4.62% 0.20% 0.72% 4.72% BlackRock Advantage U.S. Total Market V.I. Fund 27-Oct-997 Apr % 9.64% 7.49% 8.23% 7.77% Dreyfus VIF Opportunistic Small Cap 0-Oct-207 Aug %.8% 8.66% 3.0% 6.8% Vanguard VIF Mid-Cap Index 0-Dec-204 Jan % 0.39% 8.2% 8.% 7.0% American Funds IS International Fund 0-Dec-204 May % 6.94% 3.26% 6.73%.2% * FVA-97/FVA-04: Products may not be available in all states. Information Published: July 208 Page of 6 - Not Complete Without All Pages.

6 Separate Date: October 27, 997 June 30, 208 Quarterly Performance Date Year (6) Average Annual Total Return With Withdrawal Charge Since 0 If Less Year (6) Year (6) Than 0 Years (6) Vanguard VIF Total Bond Market Index 0-May-200 Apr % -0.22%.98% 3.80% 2.% Vanguard VIF Balanced 0-May-200 May % 6.26% 6.29% 7.67% 6.08% American Funds IS Blue Chip Income and Growth Fund 0-May-208 July-200.7% 0.43% 8.32%.08% -.3% BlackRock Basic Value V.I. Fund 0-May-999 Jul % 6.6% 6.43% 7.72%.09% Dreyfus Stock Index Fund, Inc. 27-Oct-997 Sep % 0.4% 7.99% 7.63%.6% Vanguard VIF Total Stock Market Index 0-Dec-204 Aug % 0.3% 8.40% 8.23% 7.9% Dreyfus Sustainable U.S. Equity, Inc. 27-Oct-997 Oct % 7.63% 7.% 6.27% 3.82% Vanguard VIF Capital Growth 0-May-200 Dec % 3.79% 0.2% 0.72% 4.72% BlackRock Advantage U.S. Total Market V.I. Fund 27-Oct-997 Apr % 8.84% 7.49% 8.23% 7.77% Dreyfus VIF Opportunistic Small Cap 0-Oct-207 Aug %.00% 8.66% 3.0%.78% Vanguard VIF Mid-Cap Index 0-Dec-204 Jan % 9.8% 8.2% 8.%.73% American Funds IS International Fund 0-Dec-204 May-990.8% 6.6% 3.26% 6.73% 3.87% * FVA-97/FVA-04: Products may not be available in all states. Information Published: July 208 Page 6 of 6 - Not Complete Without All Pages. American Fidelity Assurance Company 9000 Cameron Parkway Oklahoma City, Oklahoma