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SAVING : INVESTING : PLANNING March, 2010

Communication, Education and Investment Management for the Tennessee Optional Retirement Program. SAVING : INVESTING : PLANNING March, 2010. VALIC Points to Consider. VALIC Background Participant Services Investment Management Contact Us. VALIC Background. VALIC advantages

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SAVING : INVESTING : PLANNING March, 2010

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  1. Communication, Education and Investment Management for the Tennessee Optional Retirement Program SAVING : INVESTING : PLANNING March, 2010

  2. VALIC Points to Consider • VALIC Background • Participant Services • Investment Management • Contact Us 2

  3. VALIC Background • VALIC advantages • More than $58 billion in assets • Service for 2 million investors • 2,000 FINRA licensed financial advisors • 50 years of experience managing tax-qualified retirement plans • Organizational stability and financial strength • High levels of participant retention and plan sponsor satisfaction • Frequent communication of investment information • Increased participant understanding of asset allocation • Consistent objective investment advice 3

  4. Client Care Center • 24-hour automated voice response system • Client Service Professionals available Mon-Fri, 8 am - 9 pm ET • 150 CSPs • Spanish-speaking staff • AT&T language line (all languages, real-time translation) (New)Retirement Education Center • Flexible alternative to in-person consultation • Retirement planning • Asset allocation modeling • At-retirement counseling • Investment advisory services • Targeted education programs • Available Mon - Fri, 8 am - 8 pm ETSat, 10 am - 5 pm ET Participant Services Spectrum of Client Care ExceptionalTechnology Personal Service Targeted Communication Materials • Literature • Webcasts • E-mail • Video (New)Custom Web Site • Easy account access • Transactional • Online financial planning and educational tools • Custom messaging • Plan-specific details Local Financial Advisor • Individual counseling • Retirement planning • At-retirement counseling • Seminars, workshops and employee orientation meetings • Asset allocation modeling • Investment advisory services 4

  5. Objective Fund Selection & Monitoring Complete open architecture with no proprietary mutual fund requirements Fund Line Up picked from Universe of 100 mutual fund families with more than 5,200 mutual funds Flexible Best in Class Fund Line Up You may transfer your existing balances to the new platform. All contributions will be directed to the new platform effective 7/1/2010 23 New Low Cost Mutual Funds plus VALIC Fixed Account. Name Brand Fund Managers such as Vanguard, PIMCO, Wells Fargo, and American Funds. Investment Management 5

  6. Investment Management New General Account Fixed Interest Option • Current rate: 3.6%* • Guaranteed minimum for 2010: 3.00% • Life of contract: 2.00% • Portfolio-based method of determining interest rate • Daily interest-rate crediting • A VALIC fixed annuity (policy no. GFA-504) *VALIC declares a portfolio interest rate monthly for the Fixed-Interest Option. That declared portfolio interest rate is guaranteed until the end of the month and is credited to all new and old deposits as well as credited interest. The contractual lifetime minimum guaranteed interest rate is 2.00%; however, VALIC guarantees – for calendar year 2009 – a minimum portfolio interest rate of 3.25%. All interest is compounded daily at the declared annual effective rate. VALIC’s interest-crediting policy is subject to change, but any changes will not reduce the current rate below the contractually guaranteed minimum or money already credited to the account. Guarantees are subject to the claims-paying ability of the insurance company. 6

  7. Contact Us • 14 Advisors State Wide • Visit www.valic.com • Call 800-44-VALIC 7

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