Product & Service Comparison Guide

Product & Service Comparison Guide Polaris Platinum III Polaris Choice IV Not FDIC or NCU/NCUSIF Insured May Lose Value No ank or Credit Union Guarantee Not a Deposit Not Insured by any Federal Government gency See prospectus for details. Summary information as of 11/12/12.

Polaris: Products and features designed for today s market Summary information as of 11/12/12. Please see the prospectus for details. Maximum issue age Minimum initial investment Minimum additional investment nnualized separate account charge 1.30% nnual contract charge Total portfolio operating expenses Free withdrawals during the withdrawal charge period Polaris Platinum III -share 7-year withdrawal charge: 8-7-6-5-4-3-2-0% 85 (lower if certain features are elected) $10,000 (Non-Qualified); $4,000 (Qualified) $500 (NQ and Q); $100 utomated ank Draft $50, currently waived for contracts of $75,000 or more. 0.72%-1.57% (as of 12/31/11 and 1/31/12, respectively) Greater of: 10% of purchase payments not yet withdrawn each contract year or, if an income protection option is elected, the maximum annual withdrawal amount Nursing home waiver Performance Investment options Included in contract 53 variable portfolios, 4 Ibbotson-designed models, 1-year fixed account DC fixed accounts (Not available in all states) utomatic asset rebalancing Free transfers 6-month, 1-year, or 2-year Quarterly, semiannual or annual 15 per year; $25 thereafter. Transfers made under DC or utomatic sset Rebalancing do not count towards 15 free. Protection Income Protection (Must be elected at issue) Issue ges 45-80 Sunmerica Income Plus (Fee rate guaranteed for one year; adjusted quarterly thereafter. Minimum annual fee rate is 0.60%. Maximum annual fee rate for the life of the contract is 2.20% for Single Life; 2.70% for Joint Life.) Sunmerica Income uilder sm (Fee rate guaranteed for one year; adjusted quarterly thereafter. Minimum annual fee rate is 0.60%. Maximum annual fee rate for the life of the contract is 2.20% for Single Life; 2.70% for Joint Life.) Family Protection (Must elect death benefit at issue) Standard death benefit: Greater of contract value or purchase payments adjusted for withdrawals Maximum nniversary Value: Greatest of: contract value; or purchase payments; or maximum anniversary value on any contract anniversary prior to the 83rd birthday, each adjusted for withdrawals 1.10% of Income ase (Single Life option) 1.35% of Income ase (Joint Life option) 1.10% of Income ase (Single Life option) 1.35% of Income ase (Joint Life option) Included in contract 0.25%. Maximum issue age: 80 Separate account charge and optional death benefit fee deducted from average daily ending net asset value. Fee for income protection feature deducted from contract value quarterly. Income Plus and Income uilder: The maximum annualized fee rate decrease or increase is 0.25% each quarter. This means the fee rate can decrease or increase by no more than 0.0625% each quarter (0.25%/4). Fee rate adjustment is based on a predetermined, non-discretionary formula. O n l y one optional income protection feature may be elected per contract. Once elected, the feature may not be changed. In addition, the Maximum nniversary Value death benefit, if elected, cannot be cancelled. When calculating the standard or enhanced death benefit value, adjustments are made to account for withdrawals, any charges applicable to withdrawals and additional purchase payments. The calculation will differ if the client has elected an income protection option. Please see the prospectus. The 1-year fixed account is not available if an income protection feature is elected. nnuitization must occur by the 95th birthday. Upon annuitization, the death benefit will no longer apply. See prospectus for details on the living benefit. Purchase payments that cause the total of all contracts issued to the same owner or annuitant to exceed $1.5 million in total require prior approval. dditional investments accepted through age 85. The ability to make additional investments is limited in certain states. Please see the prospectus for details. Contract and optional benefit guarantees are backed by the claims-paying ability of the issuing insurance company. 2

Polaris Choice IV L-share 4-year withdrawal charge: 8-7-6-5-0% 85 (lower if certain features are elected) $25,000 (Non-Qualified and Qualified) $500 (NQ and Q); $100 utomated ank Draft 1.65% $50, currently waived for contracts of $75,000 or more. 0.72%-1.57% (as of 12/31/11 and 1/31/12, respectively) Greater of: 10% of purchase payments not yet withdrawn each contract year or, if an income protection option is elected, the maximum annual withdrawal amount * Included in contract 53 variable portfolios, 4 Ibbotson-designed models, 1-year fixed account 6-month, 1-year, or 2-year Quarterly, semiannual or annual 15 per year; $25 thereafter. Transfers made under DC or utomatic sset Rebalancing do not count towards 15 free. Issue ges 45-80 1.10% of Income ase (Single Life option) 1.35% of Income ase (Joint Life option) 1.10% of Income ase (Single Life option) 1.35% of Income ase (Joint Life option) Included in contract 0.25%. Maximum issue age: 80 Need assistance? Marketing and Sales Support: 1-888-502-2900 Customer Service: 1-800-445-7862 Website: www.sunamerica.com Please note: In Washington, the 1-year fixed account and 2-year DC fixed account are not available. Polaris Choice IV and Polaris Platinum III: In Kentucky, Minnesota, Oklahoma, Texas and Washington, the ability to make additional investments is limited. dditional state variations may apply to products and features described in the table above. Please check with customer service and refer to the prospectus for details. * merican Funds SST Portfolios and the Protected sset llocation SST Portfolio invest in the merican Funds Insurance Series, which has the same investment manager (Capital Research and Management Company) as merican Funds. These money managers are available through the Sunmerica Dynamic llocation Portfolio, the Sunmerica Dynamic Strategy Portfolio and the Managed llocation Portfolios (MPs) offered in Polaris. 31

The Retirement Protection Suite Key Terms Income Plus Income uilder Lifetime Income For an individual (single life) or two people (joint life). For an individual (single life) or two people (joint life). Income ase Evaluated on each contract anniversary as described Locks in greater of investment gains or an annual income credit of up to 6% during the first 12 years. (Partial income credit available in years withdrawals are taken provided total withdrawals are less than 6% and do not exceed maximum annual withdrawal amount associated with income option elected.) fter first 12 years, locks in investment gains only. Locks in greater of investment gains or an annual income credit of 8% during the first 12 years. (8% income credit is only available in years withdrawals are not taken.) fter first 12 years, locks in investment gains only. Minimum Income ase on 12th contract anniversary Impact of Withdrawals on Income Credit 200% of eligible first-year investments if no withdrawals are taken in the contract s first 12 years. Income credit is reduced by the percentage of the Income ase withdrawn (provided withdrawals are less than 6% of the Income ase and do not exceed the maximum annual withdrawal amount associated with income option elected). No income credit in years that excess withdrawals are taken, unless the withdrawal is to meet the contract s RMD and is less than 6%. (RMD must be set up on systematic withdrawal program administered by the annuity service center to qualify.) 200% of eligible first-year investments if no withdrawals are taken in the contract s first 12 years. No income credit in years that withdrawals are taken. Income Credit Period Contract s first 12 years. Contract s first 12 years. Maximum nnual Withdrawal mount (MW) MW and Protected Income Payment (PIP) are a percentage of the Income ase, and based on age of covered individual at time of first withdrawal. ges referenced based on older individual if jointly owned (Single Life) or younger individual (Joint Life). Please see the prospectus for more information including details about joint ownership. Income Option 1 Sunmerica Income uilder Single Life Joint Life Single Life Joint Life 45 or later 5.5% 5% 65 or later 4.75% for life 4.25% for life PIP: 4% (3%* if withdrawals begin before age 65) 45 to 64 3.75% for life 3.25% for life MW percentage guaranteed for life Income Option 2 Single Life Joint Life 65 or later 6.5% 6% 45 to 64 5.5% 5% PIP: 3%* Income Option 3 Single Life Joint Life 65 or later 5% for life 4.5% for life 45 to 64 3.75% for life 3.25% for life MW percentage guaranteed for life Custom llocation Income Option Single Life Joint Life 45 or later 4.5% 4% PIP: 4% (3%* if withdrawals begin before age 65) *If withdrawals begin before age 65 and the Income ase increases due to investment gains on a contract anniversary on or after the 65th birthday, PIP automatically increases to 4%. MW: Maximum amount of annual income investors can withdraw while contract value remains. Withdrawals that exceed the MW (except for a contract s RMD) are considered excess withdrawals and will reduce the Income ase and Income Credit ase in the same proportion by which the contract value is reduced by the excess withdrawal. Excess withdrawals will generally not eliminate the lifetime income guarantee, except as noted (see Excess Withdrawals below). PIP: Ensures guaranteed lifetime income in the event the contract value is completely depleted due to market volatility and/or withdrawals taken within the feature s parameters. (Note: With Income Plus Income Option 3 or Income uilder, the annual percentage available for lifetime income will not change if the contract value is completely depleted due to market volatility and/or withdrawals taken within the feature s parameters; annual income paid after this point is simply referred to as the Protected Income Payment.) More important information about income protection features: n Income ase is the amount on which guaranteed withdrawals are based. It is initially equal to the first eligible purchase payment. On each contract anniversary, the Income ase is set to equal the greater of (a) the anniversary value, if greater than all previous anniversary values, or (b) the Income ase plus the income credit amount (if eligible) during the income credit period. The Income ase is automatically evaluated on contract anniversaries while the contract value is greater than zero and the feature is still in effect, provided the client has not reached the Latest nnuity Date (95th birthday). The Income ase will be increased each time an Eligible Purchase Payment is made and adjusted for excess withdrawals. n Eligible Purchase Payments are 100% of purchase payments received in the first contract year only. Income credits and spousal continuation contributions are not included in the calculation of eligible purchase payments. n nniversary Value is the contract value on the contract anniversary (including any payment enhancements and spousal continuation contributions), less ineligible purchase payments. n Income Credit is the annual amount that may be added to the Income ase during the Income Credit Period. For Income Plus, the annual income credit is 6% of the Income Credit ase in years that no withdrawals are taken. If withdrawals are less than 6% annually and do not exceed the MW associated with the income option elected, the annual income credit percentage will be reduced by the percentage of the Income ase withdrawn; any excess withdrawals taken (except for a contract s RMD as noted) in a given year will void the annual income 2

Investment Requirements Dynamic llocation: Income Plus Income Option 1, Income Option 2, Income Option 3 and Income uilder n 80% of initial and additional investments can be allocated as follows to one of four Check the ox options: 1. Sunmerica Dynamic llocation Portfolio (80%) 2. Sunmerica Dynamic Strategy Portfolio (80%) 3. Sunmerica Dynamic llocation Portfolio (40%) Sunmerica Dynamic Strategy Portfolio (40%) n ctively managed fund-of-funds drawing on the expertise of more than 20 Polaris money managers.* Each Portfolio invests in a diversified mix of more than 25 underlying portfolios.* n Seek capital appreciation and current income while managing net equity exposure. n dynamic asset allocation technique is employed within each Portfolio to help manage net equity exposure and the effects of volatile equity markets. The subadviser will use the overlay component to adjust the overall level of equity exposure up or down in an effort to maintain a relatively stable exposure to equity market volatility over time. 4. Sunmerica Dynamic llocation Portfolio (35%) Sunmerica Dynamic Strategy Portfolio (35%) Protected sset llocation SST Portfolio (10%) n 20% of initial and additional investments will be allocated to the Secure Value ccount (a fixed account with a oneyear term). Note: s an alternative to these four Check the ox options, clients may invest a total of 80% in one or a combination of these individual portfolios: Cash Management, Corporate ond, Global ond, Government and Quality ond, Real Return, Sunmerica Dynamic llocation Portfolio, Sunmerica Dynamic Strategy Portfolio, and/or Total Return ond. The Sunmerica Dynamic Portfolios Highlights n The Sunmerica Dynamic llocation Portfolio draws on research provided by Wilshire Funds Management with respect to the allocation of the fund-of-funds component, which is generally divided among growth equity and value equity portfolios. n The Sunmerica Dynamic Strategy Portfolio draws on research provided by Ibbotson ssociates, Inc. with respect to the allocation of the fund-of-funds component, which generally invests a greater portion of its assets in value equity portfolios than growth equity portfolios. n Manager: Sunmerica sset Management Corp. (SMCo); subadviser to the overlay component: llianceernstein L.P. *The number and selection of money managers represented will vary over time based on the underlying portfolios included in each Portfolio. It may be more or less than 20. The number of underlying portfolios included in each of the Portfolios will vary over time; it may be more or less than 25. Protected sset llocation SST Portfolio Highlights n balanced portfolio offering growth potential plus risk management. The Portfolio employs a risk-management overlay that seeks to provide volatility management by monitoring and adapting to changing market conditions, primarily through the use of hedge instruments such as short positions in exchange-traded futures contracts. n Seeks high total return, including income and capital gains, consistent with the preservation of capital over the long term while seeking to manage volatility and provide downside protection. n Manager: Capital Research and Management Company (investment manager of the merican Funds); subadviser to the risk-management overlay: Milliman Financial Risk Management LLC. The Sunmerica Dynamic Portfolios and the Protected sset llocation SST Portfolio are subject to risks. Please see back cover for additional information. DC and utomatic Rebalancing Clients may use a Dollar Cost veraging (DC) fixed account to systematically invest into the investment choices available with Income Plus or Income uilder. Target DC instructions must follow the investment requirements described on pages 3 and 4. Participation in quarterly automatic asset rebalancing is required. mounts allocated to the Secure Value ccount (SV) will not be rebalanced and are not available for transfer as long as the feature is in effect. The SV is not available for investment beyond the required automatic allocation. credit available on the next contract anniversary. For Income uilder, the annual income credit is 8% of the Income Credit ase in years that no withdrawals are taken. If any withdrawals are taken with Income uilder in a given year, the annual income credit will not be available on the next contract anniversary. n Income Credit ase is a component of the feature that is used to calculate the annual income credit. Initially, the Income Credit ase is equal to the first eligible purchase payment. If the Income ase steps up to the highest anniversary value on a contract anniversary, the Income Credit ase will also step up to this amount. The Income Credit ase will not increase due to the addition of the income credit. The Income Credit ase will be increased each time an eligible purchase payment is made and adjusted for excess withdrawals. n Income Credit Period is the number of years the annual income credit is available. It begins on the contract issue date and ends 12 years later. n Excess Withdrawals are withdrawals that exceed the annual maximums specified for each feature. Excess withdrawals will reduce the value of the Income ase and also reduce the Income Credit ase. If an excess withdrawal reduces the contract value to zero, the feature will terminate and the client will no longer be eligible to take withdrawals or receive lifetime income payments. n Cancellation: Features may be cancelled on the 5th contract anniversary or any contract quarter anniversary after that. 3

Investment Requirements Income Plus Custom llocation Income Option n 90% of initial and additional investments can be invested as follows: 1. Polaris Portfolio llocator model Model 1 / Model 2 / Model 3 Or evenly divided combination of these models and the corresponding Managed llocation Portfolio 2. One or a combination of designated balanced portfolios 3. Cash Management portfolio 4. Customized allocation that meets these requirements: llocate at least 20% to Group portfolio(s) or a DC fixed account The remaining balance may be allocated to Group and Group C portfolios (allocation to Group C cannot exceed 10%) n 10% of initial and additional investments will be allocated to the Secure Value ccount See llocation Group in the Polaris portfolios section on the next page if building a customized allocation or selecting a balanced portfolio. Polaris Portfolio llocator Models Updated as of 4/30/12 Model 1 Target llocation: 50% Stocks; 50% Fixed Income Total portfolio operating expenses: 0.97%* merican Funds Growth SST 1 2% MFS Massachusetts Investors Trust 5% Equity Opportunities 2% merican Funds 2% Growth-Income SST 1 Davis Venture Value 4% Invesco VK V.I. Comstock Fund 2 4% Invesco VK V.I. Growth and 5% Income Fund 2 Growth-Income 5% Lord bbett Growth and Income 3 1% Dogs of Wall Street 3% Small & Mid Cap Value 1% Small Company Value 1% Growth Opportunities 1% Mid-Cap Growth 1% Capital ppreciation 2% Real Estate 2% merican Funds 4% Global Growth SST 1 International Diversified Equities 1% Foreign Value 4% Corporate ond 9% Global ond 3% Total Return ond 12% Gov t and Quality ond 10% Real Return 12% High-Yield ond 4% Model 2 Target llocation: 60% Stocks; 40% Fixed Income Total portfolio operating expenses: 1.00%* merican Funds Growth SST 1 2% Marsico Focused Growth 1% MFS Massachusetts Investors Trust 5% Equity Opportunities 2% merican Funds 2% Growth-Income SST 1 Davis Venture Value 4% Invesco VK V.I. Comstock Fund 2 4% Invesco VK V.I. Growth and 5% Income Fund 2 Growth-Income 5% Lord bbett Growth and Income 3 1% Dogs of Wall Street 3% Small & Mid Cap Value 2% Small Company Value 2% Growth Opportunities 2% Mid-Cap Growth 1% Capital ppreciation 2% Real Estate 3% merican Funds 6% Global Growth SST 1 International Diversified Equities 2% Foreign Value 5% Emerging Markets 1% Corporate ond 8% Global ond 3% Total Return ond 11% Gov t and Quality ond 8% Real Return 8% High-Yield ond 2% Model 3 Target llocation: 70% Stocks; 30% Fixed Income Total portfolio operating expenses: 1.02%* merican Funds Growth SST 1 2% Marsico Focused Growth 2% MFS Massachusetts Investors Trust 6% Equity Opportunities 2% merican Funds 2% Growth-Income SST 1 Davis Venture Value 4% Invesco VK V.I. Comstock Fund 2 4% Invesco VK V.I. Growth and 5% Income Fund 2 Growth-Income 6% Lord bbett Growth and Income 3 1% Dogs of Wall Street 3% Small & Mid Cap Value 4% Small Company Value 2% merican Funds Growth SST 1 3% Marsico Focused Growth 3% MFS Massachusetts Investors Trust 8% Equity Opportunities 2% merican Funds 3% Growth-Income SST 1 Davis Venture Value 5% Invesco VK V.I. Comstock Fund 2 5% Invesco VK V.I. Growth and 6% Income Fund 2 Growth-Income 8% Lord bbett Growth and Income 3 2% Dogs of Wall Street 3% Small & Mid Cap Value 5% Small Company Value 3% Growth Opportunities 3% Mid-Cap Growth 1% Capital ppreciation 2% Real Estate 4% merican Funds 6% Global Growth SST 1 International Diversified Equities 3% Foreign Value 6% Emerging Markets 2% Corporate ond 7% Global ond 2% Total Return ond 10% Gov t and Quality ond 7% Real Return 3% High-Yield ond 1% Model 4 Target llocation: 90% Stocks; 10% Fixed Income Total portfolio operating expenses: 1.06%* Growth Opportunities 4% Mid-Cap Growth 2% Capital ppreciation 3% Real Estate 4% merican Funds 7% Global Growth SST 1 International Diversified Equities 3% Foreign Value 8% Emerging Markets 3% Corporate ond 1% Global ond 2% Total Return ond 5% Gov t and Quality ond 2% 2012 Ibbotson ssociates, Inc. * s of most recent fiscal year-end for the applicable trust. Certain portfolio expenses reflect a contractual or non-contractual waiver or reimbursement. ctual allocations may differ from target allocations. Polaris Portfolio llocator Models: Model 4 not available with the Income Plus Custom llocation Income Option. sset allocation does not ensure a profit or protect against loss in a declining market. Polaris Portfolio llocator is not intended to provide investment advice. The program is considered static because once your clients have selected a model, the portfolios and the percentages of contract value allocated to each portfolio within the model will not be changed by us. Inclusion in an asset allocation model does not indicate that a portfolio is superior to any portfolio not included in a model. 1 The merican Funds Sunmerica Series Trust ( SST ) Portfolios ( Feeder Funds ) do not invest directly in individual securities; instead they invest all of their assets in corresponding funds ( Master Funds ) of the merican Funds Insurance Series. Investing in a Feeder Fund will result in higher fees and expenses than investing directly in a Master Fund. Please see a prospectus and Statement of dditional Information for more information regarding the master-feeder fund structure. 2 IM Variable Insurance Funds (Invesco Variable Insurance Funds) Series II Shares. 3 Lord bbett Series Fund, Inc. 4

Polaris portfolios Total portfolio operating expenses (Share class) Portfolio inception date Trust inception date Length of track record as of 11/12/12 Custom llocation Group* Large Growth lliance Growth merican Funds Growth SST 1 Marsico Focused Growth Capital Growth (OppenheimerFunds, Inc.) lue Chip Growth (Sunmerica sset Management Corp.) Fundamental Growth (Wells Capital Management Incorporated) 0.94% (Class 3) 0.88% (Class 3) 1.21% (Class 3) 1.25% (Class 3) 1.09% (Class 3) 1.17% (Class 3) 2/9/93 9/5/06 12/29/00 7/5/00 7/10/00 2/9/93 2/9/93 2/8/84 12/29/00 7/5/00 7/5/00 2/9/93 28 yrs 11 yrs 12 yrs 12 yrs C Large Core Managed llocation Growth (Ibbotson ssociates, Inc.) 1.42% (Class 3) 1/19/10 2/13/05 7 yrs MFS Massachusetts Investors Trust 1.03% (Class 3) 2/9/93 2/9/93 Equity Opportunities (OppenheimerFunds, Inc.) 1.16% (Class 3) 6/3/96 6/3/96 16 yrs Large Value merican Funds Growth-Income SST 1 0.83% (Class 3) 9/5/06 2/8/84 28 yrs Davis Venture Value 1.03% (Class 3) 10/28/94 10/28/94 18 yrs Invesco Van Kampen V.I. Comstock Fund 2 0.97% (Series II) 10/15/01 4/30/99 13 yrs Invesco Van Kampen V.I. Growth and Income Fund 2 0.97% (Series II) 10/15/01 12/23/96 15 yrs Growth-Income (J.P. Morgan Investment Management Inc.) 0.97% (Class 3) 2/9/93 2/9/93 Lord bbett Growth and Income 3 0.92% (Class VC) 5/1/02 12/11/89 22 yrs Dogs of Wall Street (Sunmerica sset Management Corp.) 0.99% (Class 3) 4/1/98 4/1/98 14 yrs Small and Mid Cap Small & Mid Cap Value (llianceernstein L.P.) 1.20% (Class 3) 8/1/02 8/1/02 10 yrs Small Company Value (Franklin dvisory Services, LLC) 1.32% (Class 3) 5/1/06 12/14/98 13 yrs C Growth Opportunities (Invesco dvisers, Inc.) 1.07% (Class 3) 7/6/00 7/5/00 12 yrs C Mid-Cap Growth (J.P. Morgan Investment Management Inc.) 1.10% (Class 3) 4/1/99 4/1/99 13 yrs C ggressive Growth (Wells Capital Management Incorporated) 1.15% (Class 3) 6/3/96 6/3/96 16 yrs Multi Cap Invesco Van Kampen V.I. merican Franchise Fund 2 1.14% (Series II) 10/15/01 7/3/95 17 yrs Capital ppreciation (Wellington Management Company, LLP) 1.04% (Class 3) 2/12/93 3/23/87 25 yrs Growth (Wellington Management Company, LLP) 1.08% (Class 3) 2/19/93 9/5/84 28 yrs Specialty Technology (Columbia Management Investment dvisers, LLC) 1.36% (Class 3) 7/5/00 7/5/00 12 yrs C Real Estate (Davis dvisors) 1.08% (Class 3) 6/2/97 6/2/97 15 yrs C Telecom Utility (Massachusetts Financial Services Company) 1.42% (Class 3) 6/3/96 6/3/96 16 yrs Natural Resources (Wellington Management Company, LLP) 1.12% (Class 3) 10/31/94 1/4/88 24 yrs C Foreign and Global Stock merican Funds Global Growth SST 1 1.09% (Class 3) 9/5/06 4/30/97 15 yrs Global Equities (J.P. Morgan Investment Management Inc.) 1.31% (Class 3) 2/9/93 2/9/93 International Diversified Equities (Morgan Stanley Investment 1.26% (Class 3) 10/28/94 10/28/94 18 yrs Management Inc.) International Growth and Income (Putnam Investment Management, LLC) 1.24% (Class 3) 6/2/97 6/2/97 15 yrs Foreign Value (Templeton Investment Counsel, LLC) 1.16% (Class 3) 8/1/02 8/1/02 10 yrs Emerging Markets Emerging Markets (Putnam Investment Management, LLC) 1.54% (Class 3) 6/2/97 6/2/97 15 yrs C alanced merican Funds sset llocation SST 1 Protected sset llocation SST Portfolio sset llocation (Edge sset Management, Inc.) Franklin Income Securities Fund Franklin Templeton VIP Founding Funds llocation Fund Managed llocation alanced (Ibbotson ssociates, Inc.) Managed llocation Moderate (Ibbotson ssociates, Inc.) Managed llocation Moderate Growth (Ibbotson ssociates, Inc.) alanced (J.P. Morgan Investment Management Inc.) MFS Total Return Sunmerica Dynamic llocation Portfolio Sunmerica Dynamic Strategy Portfolio Corporate/Gov t ond Corporate ond (Federated Investment Management Company) Global ond (Goldman Sachs sset Management International) Total Return ond (Pacific Investment Management Company LLC) Government and Quality ond (Wellington Management Company, LLP) Real Return (Wellington Management Company, LLP) High-Yield ond 0.89% (Class 3) 1.31% (Class 3) 1.06% (Class 3) 0.72% (Class 2) 1.00% (Class 2) 1.29% (Class 3) 1.31% (Class 3) 1.33% (Class 3) 1.08% (Class 3) 0.96% (Class 3) 1.22% (Class 3) 1.19% (Class 3) 0.83% (Class 3) 0.97% (Class 3) 0.91% (Class 3) 0.87% (Class 3) 0.97% (Class 3) 9/5/06 10/15/12 2/4/08 2/4/08 1/19/10 1/19/10 1/19/10 6/3/96 10/28/94 1/23/12 7/16/12 10/28/94 2/22/93 1/19/10 8/1/89 9/28/12 1/24/89 7/2/07 2/13/05 2/13/05 2/13/05 6/3/96 10/28/94 1/23/12 7/16/12 10/28/94 9/5/84 2/13/05 High-Yield ond (Pineridge Investments LLC) 0.97% (Class 3) 2/9/93 2/9/93 Money Market Cash Management (of dvisors, LLC) 0.76% (Class 3) 2/9/93 2/9/93 23 yrs 23 yrs 5 yrs 7 yrs 7 yrs 7 yrs 16 yrs 18 yrs 9 mos 3 mos 18 yrs 28 yrs 7 yrs C Managed similarly to: llianceernstein Large Cap Growth (PGX) Growth Fund of merica (GTHX) Marsico Focus (MFOCX) Oppenheimer Capital ppreciation (OPTFX) Wells Fargo dvantage Capital Growth (WFCGX) MFS Massachusetts Investors Trust (MITTX) Oppenheimer Main Street (MSIGX) Investment Company of merica (IVSX) Davis New York Venture (NYVTX) Invesco Van Kampen Comstock (CSTX) Invesco Van Kampen Growth & Income (CGIX) JPMorgan Equity Income (OIEIX) llianceernstein Small-Mid Cap Value (SX) Franklin Small Cap Value (FRVLX) Invesco Van Kampen Small Cap Growth (VSCX) JPMorgan Mid Cap Growth (HLGEX) Wells Fargo dvantage Discovery (WFDX) Invesco Van Kampen merican Franchise (VFX) Seligman Global Technology (SHGTX) Davis Real Estate (RPFRX) MFS Utilities (MMUFX) New Perspective (NWPX) Morgan Stanley Institutional ctive International llocation (MSCX) Putnam International Value (PNGX) Franklin Income (FKINX) Franklin Templeton Founding Funds llocation (FFLX) MFS Total Return (MSFRX) Federated ond (FDX) PIMCO Total Return (PTTX) s of most recent fiscal year-end for the applicable trust except for the Protected sset llocation SST Portfolio, the Sunmerica Dynamic llocation Portfolio and the Sunmerica Dynamic Strategy Portfolio, which are based on estimated expenses for a full fiscal year. Certain portfolio expenses reflect a contractual or noncontractual waiver or reimbursement. * These identifiers can help build a customized portfolio that meets the investment requirements of the Income Plus Custom llocation Income Option, if elected. Portfolio also qualifies as a designated balanced portfolio for purposes of meeting the investment requirements of the Income Plus Custom llocation Income Option, if elected. The investment objectives and policies of certain portfolios may be similar to those of other funds managed by the same investment advisor. No representation is made, and there can be no assurance given, that any portfolio s investment results will be comparable to the investment results of any other fund, including another fund with the same investment advisor or manager. 5

dditional information about Polaris Portfolio llocator and Managed llocation Portfolios: The Polaris Portfolio llocator models are designed and licensed by Ibbotson ssociates, Inc. ( Ibbotson ). The models are provided for educational purposes only and should not be considered investment advice. Ibbotson does not endorse and/or recommend specific financial products that may be used in conjunction with the models. Clients should consult their financial advisor for assistance in developing a portfolio specific to their needs and objectives before investing. The Managed llocation Portfolios investment adviser, Sunmerica sset Management Corp. (SMCo), has chosen Ibbotson ssociates, Inc. to serve as a subadviser to the Managed llocation Portfolios (MPs). Ibbotson ssociates, Inc. is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Ibbotson is not acting in the capacity of an advisor to individual investors. Ibbotson ssociates, Inc. and Morningstar are not affiliated with SMCo. dditional information about the Sunmerica Dynamic Portfolios and the Protected sset llocation SST Portfolio: While diversification and asset allocation are both proven investment strategies, they cannot guarantee greater or more consistent returns over time and they cannot protect against loss. y investing in a fund that is designed to reduce volatility risk, clients may have less risk from market downturns, but may also have less opportunity to benefit from market gains. The Portfolios are subject to derivative and leverage risks. These investment strategies may be riskier than other investment strategies and may result in gains or losses substantially greater than the cost of the position. While these strategies can be useful and inexpensive ways of reducing risk, they are sometimes ineffective due to unexpected changes in the market, exchange rates or other factors. When the Portfolios use derivatives for leverage, the Portfolios will tend to be more volatile, resulting in larger gains or losses in response to the fluctuating prices of the Portfolios investments. The Portfolios are subject to counterparty risk (i.e., the risk that a counterparty will not perform its obligations) and short sales risk. Losses from short sales are potentially unlimited, whereas losses from purchases can be no greater than the total amount invested. Credit risk (i.e., the risk that an issuer might not pay interest when due or repay principal at maturity of the obligation) could affect the value of the investments in the Portfolio. There is no assurance that each Portfolio s investment process will achieve its specific investment objectives. dditional information about the Sunmerica Dynamic Portfolios: The overall level of exposure to the equity market may be increased or decreased through investments made in both the fund-of-funds component and the overlay component of the Portfolio. These investments are subject to certain risks including stock market and interest rate fluctuations, as well as additional risks associated with investments in certain asset classes. The Portfolios and underlying portfolios may engage in frequent trading of portfolio securities to achieve their investment goals. ctive trading may result in high portfolio turnover and correspondingly greater transaction costs for the Portfolios and underlying portfolios. Small movements in interest rates (both increases and decreases) may quickly and significantly reduce the value of certain mortgage-backed securities. These securities also are subject to risk of default, particularly during periods of economic downturn. The portfolio operating expenses for a fund-of-funds are typically higher than those of a traditional portfolio because investors pay the expenses of that portfolio and indirectly pay a proportionate share of the expenses of the underlying portfolios. The Portfolios are subject to risk of conflict with insurance company interests given certain aspects of portfolio management are intended to mitigate the financial risks the insurer faces in connection with optional income protection guarantees. Ibbotson provides consulting services to Sunmerica sset Management Corp. but is not acting in the capacity of advisor to individual investors. The Ibbotson name and logo are either trademarks or service marks of Ibbotson ssociates, Inc. Ibbotson ssociates is not affiliated with Sunmerica sset Management Corp. or the insurance companies listed below. Wilshire is a registered service mark of Wilshire ssociates Incorporated, Santa Monica, California. ll other trade names, trademarks, and/or service marks are the property of their respective holders. Wilshire is not an affiliate of Sunmerica sset Management Corp. or the insurance companies listed below. dditional information about the Protected sset llocation SST Portfolio: The Protected sset llocation SST Portfolio ( Feeder Fund ) does not invest directly in individual securities; instead it invests in shares of the merican Funds Insurance Series Protected sset llocation SM Fund (the Master Protected Fund ). In turn, the Master Protected Fund invests in shares of an underlying fund, the merican Funds Insurance Series sset llocation Fund (the Underlying Fund ), hedge instruments (primarily exchange-traded futures) and cash or cash equivalents. Investing in a Feeder Fund will result in higher fees and expenses than investing in a portfolio that invests directly in securities. Please see the prospectus for more information regarding the master-feeder fund structure. Hedge assets include cash and liquid transparent financial futures contracts that are tailored to the underlying holdings in the merican Funds Insurance Series sset llocation Fund. Futures contracts on major equity indices, U.S. Treasury bonds, and currencies are typically used. Futures contracts are used only to reduce risk relative to a long-equity portfolio. In situations of extreme market volatility, the exchange-traded futures could potentially reduce the Master Protected Fund s net economic exposure to equity securities to 0%. Milliman Financial Risk Management LLC is not an affiliate or member of Capital Research and Management Company or The Capital Group Companies. dditional information about the risks associated with the variable portfolios: Portfolios that invest in stocks and bonds are subject to risk, including stock market and interest rate fluctuations. Portfolios that invest in bonds are subject to changes in their value when prevailing interest rates change. Portfolios that invest in non-u.s. stocks and bonds, including emerging market investments, are subject to additional risks, such as political and social instability, differing securities regulations and accounting standards, limited public information, plus special risks that may include foreign taxation, currency risks, risks associated with possible differences in financial standards, and other monetary and political risks associated with future political and economic developments. Investments that concentrate on one economic sector or geographic region are generally subject to greater volatility than more diverse investments. Portfolios that invest in high-yield bonds tend to be subject to greater price swings than portfolios that invest in higher-rated bonds. Payment of interest and principal is not assured. Investments in securities related to gold and other precious metals and minerals are considered speculative and are impacted by a host of worldwide economic, financial and political factors. Money market instruments generally offer stability and income, but an investment in these securities, like investments in the other portfolios, is not guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Portfolios that invest in technology companies are generally subject to additional risks. They may be affected by short product cycles, aggressive pricing of products and services, competition from new market entrants, and obsolescence of existing technology. s a result, a technology portfolio s returns may be considerably more volatile than a fund that does not invest in technology companies. Please refer to the prospectus for more information about the contract and the variable portfolios. nnuities are long-term investments designed for retirement. Early withdrawals may be subject to withdrawal charges. Partial withdrawals may reduce benefits available under the contract, as well as the amount available upon a full surrender. Withdrawals of taxable amounts are subject to ordinary income tax and if taken prior to age 59½, an additional 10% federal tax may apply. n investment in Polaris involves investment risk, including possible loss of principal. The contract, when redeemed, may be worth more or less than the total amount invested. Polaris Variable nnuities are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds, which should be considered carefully before investing. prospectus may be obtained by calling 1-800-445-7862. Investors should read the prospectus carefully before investing. This material was prepared to support the marketing of Polaris Variable nnuities. Please keep in mind that neither Sunmerica nnuity nor US Life, nor their distributors and representatives, may give tax, accounting or legal advice. ny tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Clients should seek the advice of an independent tax advisor or attorney for more complete information concerning their particular circumstances and any tax statements made in this material. llianceernstein L.P. is not an affiliate of SMCo or the insurance companies listed below. Polaris Variable nnuities are issued by Sunmerica nnuity and Life ssurance Company (Sunmerica nnuity) except in New York, where they are issued by The United States Life Insurance Company in the City of New York (US Life). Products are marketed by Sunmerica, The Retirement Specialist. Products and features may not be available in all states. State variations may apply. We reserve the right to change fees for features described in this brochure; however, once a contract is issued, the fees will not change, except for income protection features as described. The purchase of Polaris is not required for, and is not a term of, the provision of any banking service or activity. Distributed by Sunmerica Capital Services, Inc. 5082FI.6 (11/12)