Current Rates as of. The Power Series of Index Annuities. February 4, 2019

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5 The Power Series of Index Annuities Current s as of s are subject to change at any time until contract purchase February 4, 2019 Power 7 Protector and Power 7 Protector Plus Income offers a choice of four index interest accounts and a xed interest account Higher Target Equity Exposure of Index* Lower S&P 500 Index Interest Account Power 7 Protector Power 7 Protector Plus Income Annual Point-to-Point Initial Index Cap (Premiums of $100,000 or more) Initial Index Cap (Premiums under $100,000) 1 Minimum Index Cap (Years 1-7) Minimum Index Cap (Years 8+) PIMCO Global Optima Index TM Interest Account 2-Year Point-to-Point 2.45% (4.90% 3.25% (6.50% Initial Annualized Spread (Premiums of $100,000 or more) 3.95% (7.90% 3.95% (7.90% Initial Annualized Spread (Premiums under $100,000) 1 Maximum Annualized Spread 9.50% (19.00% 9.50% (19.00% ML Strategic Balanced Index Interest Accounts Annual Point-to-Point Initial Spread (Premiums of $100,000 or more) Initial Spread (Premiums under $100,000) 1 Maximum Spread 2-Year Point-to-Point 9.50% 9.50% Initial Annualized Spread (Premiums of $100,000 or more) 0.00% (0.00% 0.85% (1.70% Initial Annualized Spread (Premiums under $100,000) % (2.20% 1.60% (3.20% Maximum Annualized Spread 9.50% (19.00% 9.50% (19.00% or the nnual Point to Point Index Interest ccount P the Index ate a is the maximum rate of interest ou can earn in one ear For the Annual Point-to-Point Index Interest Account (ML Strategic Balanced), the Spread is the percentage that reduces the rate of Index Interest that ma e credited for that contract ear For the - ear Point-to-Point Index Interest Account (ML Strategic Balanced and PIM lo al ptima Index), the Annuali ed Spread multiplied two is the percentage that reduces the rate of Index Interest that ma e credited for the - ear period he Index ate aps and Spreads are set at contract issue and guaranteed for one index term, after which the are su ect to change at the end of each index term Please see the wner Ac nowledgment and isclosure Statement for more information he actual e uit exposure ma uctuate For more information a out the arget uit xposure of each index, please refer to the Power 7 Protector or Power 7 Protector Plus Income Brochure (I or I ) Fixed Interest Account 1-Year Fixed Interest Account Initial Interest (Premiums of $100,000 or more) Initial Interest (Premiums under $100,000) % 4.25% 4.75% 3.50% 2.00% 2.00% 1.20% 1.80% 2.15% 2.60% 2.00% 2.00% 2.00% 2.00% Minimum Declared Interest he initial interest rate is guaranteed for one ear from the date the contract is issued n each contract anni ersar, the compan will declare the interest rate that will appl for the next contract ear he interest rate ma change on an annual asis, ut will ne er e less than the guaranteed minimum declared interest rate for the life of the contract 1 An initial premium elow 1, recei es the lower initial index rate cap, interest rate or higher spread If multiple premiums are recei ed during the modi ed single premium period, causing the total premiums recei ed to reach 1, or more, the higher initial index rate cap or lower spread would appl to all premiums In regon, Power 7 Protector Plus Income can onl e issued as a single premium product o other premiums ma e paid Lock Policy: our contract pro ides for a rate loc for index interest account rate caps, spreads (if applica le), participation rate (if applica le), and the xed account interest rate ou will recei e the etter of 1) rates effecti e as of the date ou sign our application for this annuit contract or ) the rates effecti e as of the date our contract is issued, pro ided all premiums are recei ed the th da following the date our application for this annuit contract is signed Transition rules ay a ly when rates chan e lock olicy will only a ly to a erwork recei ed in ood order y the s eci ed transition period end date. All other contracts will be issued with effective rates as of the contract issue date. ntil a contract is issued, American eneral Life Insurance ompan (A L) reser es the right to close out an application le and return all funds recei ed to date If A L elects to close out a le, the application is considered oid and ineligi le for a rate loc Please see reverse side for important information.

6 The Power Series of Index Annuities Current s as of s are subject to change at any time until contract purchase February 4, 2019 Power 10 Protector and Power 10 Protector Plus Income offers a choice of four index interest accounts and a xed interest account Higher Target Equity Exposure of Index* Lower S&P 500 Index Interest Account Power 10 Protector Power 10 Protector Plus Income Annual Point-to-Point Initial Index Cap (Premiums of $100,000 or more) Initial Index Cap (Premiums under $100,000) 1 Minimum Index Cap (Years 1-10) Minimum Index Cap (Years 11+) PIMCO Global Optima Index TM Interest Account 2-Year Point-to-Point 2.45% (4.90% 3.25% (6.50% Initial Annualized Spread (Premiums of $100,000 or more) 3.85% (7.70% 3.95% (7.90% Initial Annualized Spread (Premiums under $100,000) % (19.00% 9.50% (19.00% Maximum Annualized Spread ML Strategic Balanced Index Interest Accounts Annual Point-to-Point Initial Spread (Premiums of $100,000 or more) Initial Spread (Premiums under $100,000) 1 Maximum Spread 9.50% 9.50% 2-Year Point-to-Point 0.00% (0.00% 0.75% (1.50% Initial Annualized Spread (Premiums of $100,000 or more) 0.95% (1.90% 1.45% (2.90% Initial Annualized Spread (Premiums under $100,000) % (19.00% 9.50% (19.00% Maximum Annualized Spread or the nnual Point to Point Index Interest ccount P 00 the Index ate a is the maximum rate of interest ou can earn in one ear For the Annual Point-to-Point Index Interest Account (ML Strategic Balanced), the Spread is the percentage that reduces the rate of Index Interest that ma e credited for that contract ear For the - ear Point-to-Point Index Interest Account (ML Strategic Balanced and PIM lo al ptima Index), the Annuali ed Spread multiplied two is the percentage that reduces the rate of Index Interest that ma e credited for the - ear period he Index ate aps and Spreads are set at contract issue and guaranteed for one index term, after which the are su ect to change at the end of each index term Please see the wner Ac nowledgment and isclosure Statement for more information he actual e uit exposure ma uctuate For more information a out the arget uit xposure of each index, please refer to the Power 10 Protector or Power 10 Protector Plus Income Brochure (I 1 or I 1 ) Fixed Interest Account 1-Year Fixed Interest Account Initial Interest (Premiums of $100,000 or more) Initial Interest (Premiums under $100,000) 1 Minimum Declared Interest 6.05% 4.25% 4.80% 3.50% 1.10% 1.75% 1.95% 2.45% 2.10% 2.00% 2.10% 2.00% he initial interest rate is guaranteed for one ear from the date the contract is issued n each contract anni ersar, the compan will declare the interest rate that will appl for the next contract ear he interest rate ma change on an annual asis, ut will ne er e less than the guaranteed minimum declared interest rate for the life of the contract 1 An initial premium elow 100,000 recei es the lower initial index rate cap, interest rate or higher spread If multiple premiums are recei ed during the modi ed single premium period, causing the total premiums recei ed to reach 100,000 or more, the higher initial index rate cap or lower spread would appl to all premiums In regon, Power 10 Protector and Power 10 Protector Plus Income can onl e issued as a single premium product o other premiums ma e paid Lock Policy: our contract pro ides for a rate loc for index interest account rate caps, spreads (if applica le), participation rate (if applica le), and the xed account interest rate ou will recei e the etter of 1) rates effecti e as of the date ou sign our application for this annuit contract or ) the rates effecti e as of the date our contract is issued, pro ided all premiums are recei ed the 0th da following the date our application for this annuit contract is signed Transition rules may apply when rates chan e. lock policy will only apply to paperwork received in ood order y the speci ed transition period end date. All other contracts will be issued with effective rates as of the contract issue date. ntil a contract is issued, American eneral Life Insurance ompan (A L) reser es the right to close out an application le and return all funds recei ed to date If A L elects to close out a le, the application is considered oid and ineligi le for a rate loc Please see reverse side for important information.

7 Power Index 7 The United States Life Insurance Company in the City of New York (USL) Current s as of s are subject to change at any time until contract purchase February 4, 2019 Power Index 7 Annuity, available in New York, offers an index interest account. When you purchase a Power Index 7 Annuity, you have the option to select a return-of-premium guarantee rider. Keep in mind that adding this optional feature will result in a slightly lower interest rate cap than a contract without the feature would receive. The return-of-premium guarantee allows you to return the annuity at any time for an amount equal to the single premium paid, less any prior withdrawals, or the withdrawal value (annuity value less any early withdrawal charges), whichever value is greater. S&P 500 Index Interest Account Annual Point-to-Point (100% participation rate) Initial Index Cap (Single Premium of $100,000 or more) Initial Index Cap (Single Premium under $100,000) Minimum Index Cap (Years 1-7) Guaranteed Return of Premium Without Guaranteed Return of Premium 5.25% 6.25% 4.25% 5.25% Minimum Index Cap (Years 8+) 1.00% 1.00% For the Annual Point-to-Point Index Interest Account, the Index Cap is the maximum rate of interest you can earn in one year. The Index rate caps are set at contract issue and guaranteed for one year, after which they are subject to change on each contract anniversary. If the index has declined from the previous contract anniversary, the annuity will not lose value and is guaranteed to earn interest equal to the minimum fixed interest rate. Please see the Owner Acknowledgment and Disclosure Statement for more information. Fixed Interest Minimum Declared Interest Guaranteed Return of Premium Without Guaranteed Return of Premium Amounts withdrawn on a date other than a contract anniversay will not be credited with interest resulting from the percentage change in the index. Instead, amounts withdrawn will receive daily interest equal to the fixed interest rate from the date of the last contract anniversary to the date of withdrawal. Withdrawals are subject to income taxation, and if made prior to age 59½, an additional 10% federal tax can also apply. Contact your agent or call the Annuity Service Center at for more information. This material is not authorized for use unless preceded or accompanied by the Power Index 7 Annuity consumer brochure (I5432CN2). Please see reverse side for additional disclosures. Please see reverse side for important information.

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10 UL Interest s Effective December 14, 2018 Index Interest Universal Life (Highlighted rate changes indicate variation from previous flyer published on September 14, 2018) Max Accumulator+ (Non-NY) (Policy Form 15646, ICC ) Index Interest Account Type Guaranteed Minimum Interest Cap Maximum Illustrated Current Acc't Value Enhancement (Policy Yrs 6+) 1 Total Illustrated (Policy yrs 6+) Blend Index Global Blend Index 1 yr S&P 500 High Bonus Index 0.00% NA 100% 7.44% 0.65% 8.09% 0.00% NA 80% 7.62% 0.30% 7.92% 0.25% 10.00% 100% 6.16% 0.75% 6.91% 1 yr S&P 500 High Cap Index 0.00% 13% 100% 7.35% 0.25% 7.60% Declared Interest 2.00% NA NA 3.40% 0.25% 3.65% 1. Minimum guaranteed account value enhancement is 0.25% Max Accumulator+ (NY Only) (Policy Form 15646N) Current Acc't Value Guaranteed Minimum Interest Cap Maximum Illustrated Enhancement (Policy Yrs 6+) 2 Index Interest Account Type 1 yr S&P 500 Account 1 yr S&P 500 Cap Index Index Interest Account Type Blend Total Illustrated (Policy yrs 6+) 0.00% NA 55% 6.29% 0.45% 6.74% 0.00% 9.00% 100% 5.60% 0.25% 5.85% Declared Interest 2.00% NA NA 3.40% 0.25% 3.65% 2. Minimum guaranteed account value enhancement is 0.25% Value+ Protector (Non-NY) (Policy Form 16760, ICC ) Current Acc't Value Guaranteed Minimum Interest Cap Maximum Illustrated Enhancement (Policy Yrs 6+) 3 Total Illustrated (Policy yrs 6+) Index 0.00% NA 90% (-10%) 6.32% (+0.23%) 0.80% 7.12% (+0.23%) Global Blend 0.00% NA 65% 6.22% 0.80% 7.02% Index 1 yr S&P % NA 55% 5.85% (+0.25%) 0.75% 6.60% (+0.30%) Index 1 yr S&P 500 Cap Index 0.00% 9.50% (0.50%) 100% 5.85% (+0.25%) 0.75% 6.60% (+0.30%) Declared Interest 2.00% NA NA 3.25% 0.75% 4.00% 3. Minimum guaranteed account value enhancement is 0.75% Value+ IUL (NY Only) (Policy Form 14779N, 14779NU) Index Interest Account Type Guaranteed Minimum Interest Cap Maximum Illustrated Current Acc't Value Enhancement (Policy Yrs 6+) 4 Total Illustrated (Policy yrs 6+) 1 yr S&P % NA 55% 0.75% 5.93% Index 5.18% 1 yr S&P 500 Cap 0.25% 7.50% 100% Index 5.18% 0.75% 5.93% Declared Interest 2.00% NA NA 2.95% NA NA 4. Minimum guaranteed account value enhancement is 0.75% FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION Page1

11 AG Platinum Choice VUL 2 (Non-NY) (Policy Form 14904, ICC ) Interest Account Type Guaranteed Minimum Interest Cap Maximum Illustrated Declared Interest 2.00% NA NA 2.55% AG Extend IUL SM AG Extend IULSM (NY and Non NY) (Conversion product, Policy Form 12436, ICC ; 12436N, 12436NU) Index Interest Guaranteed Minimum Interest Cap Account Type Maximum Illustrated 1 yr S&P % NA 55% 4.92% Index 1 yr S&P 500 Cap Index 1.00% 6.50% 100% 4.92% Declared Interest 2.00% NA NA 3.15% Fixed Universal Life 5 Products Interest Secure Survivor GUL II (Non NY) (Policy Form ICC , 13239) 4.25% Secure Lifetime GUL 3 (NY and Non NY) (Policy Form 15442, ICC , 15442N, 15442NU) 4.25% 5. Sales quotes for fixed universal life products are designed to reflect guaranteed cash values only. Upon completion of the first policy year, inforce illustrations will be available and will include current cash accumulation values, along with guaranteed cash values. Policies issued by American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. Please refer to your contract AIG. All rights reserved. AGLC REV1218 FOR FINANCIAL PROFESSIONAL USE ONLY NOT FOR PUBLIC DISTRIBUTION Page 2