Schwab OneSource Variable Annuity New York Investment Performance as of 12/31/2018

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1 Schwab OneSource Variable Annuity New York Investment Performance as of 2//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. Bond Returns as of Month Ending 2//208 Returns as of Quarter Ending 2//208 Calendar Returns 0 / Since Month 0 / Since Federated Fd for US Govt Sec II Primary 2,6 N/A 0.8 / Invesco VI High Yield I 2,6 N/A.02 / Janus Henderson Flexible Bond Svc 2,6 N/A 0.8 / PIMCO VIT High Yield Admin 2,6 N/A 0.76 / PIMCO VIT Low Duration Admin 2,6 N/A 0.6 / PIMCO VIT Total Return Admin 2,6 N/A 0.69 / Putnam VT Mortgage Securities 2,6 N/A 0.9 / Touchstone Bond 2,6 N/A 0.74 / Templeton Global Bond Sec Cl2 2,4,6 N/A 0.8 / N/A N/A VanEck VIP Uncons Emerg Mkts Bd I 2,,6 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 Janus Henderson Balanced Svc 2 N/A 0.88 / Large-Cap Jan Investment Options at a Glance Page of

2 Returns as of Month Ending 2//208 Returns as of Quarter Ending 2//208 Calendar Returns 0 / Since Month 0 / Since 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 / 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 / Columbia VP Large Cap Growth 2 2,0 N/A.00 / * * * * * * N/A Dreyfus VIF Appreciation Initial 2 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 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 / Prudential Series Equity II 2,0 N/A 0.87 / 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 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, N/A.6 / 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, N/A 0.8 / Invesco VI Mid Cap Core Equity I 2,,0 N/A 0.99 / LVIP Baron Growth Opportunities Svc 2, N/A. / Neuberger Berman AMT M/C Intrinsic Val S 2, N/A.26 / Pioneer Mid Cap Value VCT II 2, N/A 0.96 / Jan Investment Options at a Glance Page 2 of

3 Returns as of Month Ending 2//208 Returns as of Quarter Ending 2//208 Calendar Returns 0 / Since Month 0 / Since Pioneer Select Mid Cap Growth VCT I 2, N/A 0.88 / N/A N/A Wells Fargo VT Discovery 2 2, N/A.7 / Wells Fargo VT Opportunity 2 2, N/A. / Small-Cap Columbia VP Small Cap Value 2 2, N/A.29 / Delaware VIP Small Cap Value Series Std 2, N/A 0.78 / Franklin Small Cap Value VIP 2 2, N/A 0.92 / Invesco VI Small Cap Equity I 2, N/A 0.97 / JPMorgan Insurance Tr Small Cap Core 2, N/A 0.8 / N/A N/A Oppenheimer Main Street Small Cap VA 2, N/A 0.82 / N/A N/A Royce Capital Small-Cap Svc 2,,0 N/A.4 / Touchstone Small Company 2, N/A 0.77 / International AB VPS Intl Growth A 2,4,0 N/A.24 / American Century VP International I 2,4 N/A. / Delaware VIP Emerging Markets Std 2,,4 N/A.8 / N/A N/A DWS Global Small Cap VIP A 2,4 N/A.08 / N/A N/A Invesco VI International Growth I 2,4 N/A 0.94 / 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 N/A.6 / Oppenheimer Global VA Non-Svc 2,4 N/A 0.78 / Oppenheimer International Growth VA 2,4 N/A.0 / N/A N/A Templeton Foreign VIP 2 2,4 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 N/A. / Invesco VI Technology I 2,8 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 2,8,2 N/A.4 / N/A N/A Jan Investment Options at a Glance Page of

4 Returns as of Month Ending 2//208 Returns as of Quarter Ending 2//208 Calendar Returns 0 / Since Month 0 / Since Prudential Series Natural Resources II 2,8,0 N/A 0.94 / Putnam VT Global Health Care IB 2,8,0 N/A.0 / T. Rowe Price Health Sciences Port II 2,8 N/A.20 / N/A N/A VanEck VIP Global Hard Assets S 2,8,2 N/A.4 / Money Market Schwab Government Money Market Portfolio (7-day SEC yield: *%),2 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. GWFS Equities, Inc. is the principal underwriter for the Schwab OneSource Choice AnnuityTM (Form ICC4-J46/J46 Series), Schwab OneSource Advisor Choice AnnuityTM (Form ICC4-J466/J466 Series), Schwab OneSource Annuity (Form J444 Series), and Schwab Select Annuity (Form J44), flexible premium variable annuity contracts issued by GWL&A. GWL&A is not licensed to do business in New York. These variable annuity contracts are not available in all states. GWFS Equities, Inc. is a wholly owned subsidiary of GWL&A. In New York, the Schwab OneSource Choice AnnuityTM (Form J46ny Series), Schwab OneSource Advisor Choice AnnuityTM (Form J466ny Series), Schwab OneSource Annuity (J444NY Series), and Schwab Select Annuity (Form J44NY and J464NY Series) are issued by GWL&A of NY. Charles Schwab & Co., Inc. is the selling broker-dealer and insurance agency and is not affiliated with GWL&A, GWL&A of NY or GWFS Equities, Inc. 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. 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. Jan Investment Options at a Glance Page 4 of

5 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 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. Jan Investment Options at a Glance Page of