FOR PRODUCER USE ONLY—NOT FOR DISSEMINATION TO THE PUBLIC

The Internal Rate of Return (IRR) supplemental illustration is a tool available to help you and your clients review the efficiency of both Elite Global Plus® and Elite Global Survivor.® This report can be generated via WinFlex and WinFlex Web by clicking on the “Report“ tab (by default the report is on automatically). The report is also available on eConnections Desktop.

Once calculated, the IRR Report provides internal rates of return on the cash surrender values and on the death benefit at both the current rate and at the alternate rate (if entered) at current charges. Below is a snapshot of the IRR report from Winflex.

Elite Global Plus and Elite Global Survivor are designed to be funded at maximum levels, to provide death benefits and to accumulate cash for future needs. Disbursements are even taken into account as part of the IRR calculation so you can see how efficient the product continues to be throughout your client’s life.

To find out how to run the report or to answer any questions you may have, contact your American General Life Companies representative today!

Internal Rate of Return (IRR)

Policies issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019. Elite Global Plus Policy Form Number 08444, Elite Global Survivor Policy Form Number 08414.

The United States Life Insurance Company in the City of New York, 70 Pine Street, New York, New York 10270. Elite Global Plus Policy Form Number 08444N, Elite Global Survivor Policy Form Number 08414N.

The underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life Insurance Company (AGL) or The United States Life Insurance Company in the City of New York (USL) are the issuing insurer’s responsibility. Guarantees are subject to the claims-paying ability of the issuing insurance company. USL is authorized to conduct insurance business in New York. Policies and riders not available in all states. These product specifications are not intended to be all-inclusive of product information. State variations may apply. Please refer to the policy for complete details. American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including AGL and USL. Do not state or imply that the purchase of Elite Global Plus or Elite Global Survivor is like an investment or a means of participating in “securities,” “markets,” “stocks,” “stock market index,” or “S&P 500 Index.”

IMPORTANT: Prior to soliciting business, be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the insurer in that state. If uncertain, contact your American General Life Companies representative for assistance.

FOR PRODUCER USE ONLY—NOT FOR DISSEMINATION TO THE PUBLIC

© 2010. All rights reserved.AGLC103393 REV0710

“I’VE GOT A CLIENT…SM

Who needs low-cost protection to last until retirement.“

WE HAVE THE SOLUTION:

AG ROP Select-a-Term® Insurance

With AG ROP Select-a-Term, you can offer your client affordable, guaranteed protection with something extra when coverage ends—their premiums paid back in cash, to help transition into retirement.

Many people buy term life insurance to provide basic coverage for their families during their working years. But what happens when coverage ends? With AG ROP Select-a-Term, when your client lives until the end of the level premium period, they have the option of surrendering their policy to receive back the base premiums paid over the life of the policy. That’s guaranteed money back—and zero net cost (excluding any adjustment for time value of money) for long-term, guaranteed coverage!1

Paul, 32 years old* 33 year level term period, $500,000 faceAG ROP Select-a-Term Annual Premium: ..................................$955Cash value available at age 65: ..............................................$31,515*Preferred Plus class. For illustrative purposes only.

RAPIDRATERRUN

Get an AG ROP Select-a-Term quote instantly. Click below.

n 17 durations provide guaranteed level term coverage up to 35 years—an ideal choice for young, healthy clients

n Low-cost, portable life insurance coverage not tied to employment

n Family is protected throughout the insured’s working life

n Return of premium provides cash to help make the transition to retirement: mortgage or business loan payoff, down payment on a second home, start-up funds for new business, or any other need. No restrictions apply.

For more information,

contact

FOR PRODUCER USE ONLY—NOT FOR DISSEMINATION TO THE PUBLIC

Policies issued by: American General Life Insurance Company2727-A Allen ParkwayHouston, Texas 77019

AG ROP Select-a-Term Policy Form number 10001

The United States Life Insurance Company in the City of New York70 Pine StreetNew York, NY 10270

AG ROP Select-a-Term Policy Form number 10001N

The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) and The united States Life Insurance Company in the City of New York (USL) are the issuing insurer’s responsibility. Guarantees are subject to the claims-paying ability of the issuing insurance company. USL is authorized to conduct insurance business in New York. Policies and riders not available in all states. American Genera; Life Companies, www.americangeneral.com , it the marketing names for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including AGL and USL.

FOR PRODUCER USE ONLY—NOT FOR DISSEMINATION TO THE PUBLIC

© 2010. All rights reserved.AGLC104398

1 AG ROP Select-a-Term accumulates a cash value that starts no later than the fifth policy year. At the end of the level premium period, the cash value of the in-force policy equals the total of cumulative premiums paid, less any charges for substandard ratings and riders. If the client surrenders the policy, this amount is paid out, minus any outstanding loan balance. The cash surrender payment does not take into account the time value of money. Alternatively, the same amount may be rolled into a permanent plan of insurance should the insured be eligible for and choose to exercise the conversion option. Coverage may also be continued beyond the level premium period by payment of increasing annual premiums, and the policy will continue to build cash value until the policy anniversary nearest the insured’s 95th birthday when the cash value will equal the face amount of the policy. The cash value, minus any outstanding loan balance, will then be distributed as the endowment benefit if the policy is in force and the insured is then living. The cash value and endowment benefit are subject to all terms and conditions detailed in the policy.

UPDATEL&C

American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company and The United States Life Insurance Company in the City of New York. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Bulletin 10-060August 2, 2010

Introducing L&C Electronic Self Service Solution – eForms

Licensing and Commissions is excited to announce a new addition to our Electronic Solutions! Launched in 2009, eAppoint is the easiest way to complete and submit new agent contracting. Now, eForms enables your producers to request certain account updates electronically, resulting in a shorter processing time. Together, both eForms and eAppoint help you get your L&C paperwork completed faster, no mailing or faxing required!

What types of account updates can be completed using eForms?

Address Change

Name Change

Adding or Changing Direct Deposit Authorization (EFT)

Adding an Assignment of Commissions

Request Terminations

What are the benefits of using eForms?

Your request submitted directly to the Home Office for handling

Expedited request processing

Online completion of forms

To access eForms, log on to the producer Web site, eStation.aglife.com, and go to L&C>eSolutions. Check it out today!

Any questions regarding this communication may be directed to the L&C Call Center.

American General Life Companies

UPDATEL&C

American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company and The United States Life Insurance Company in the City of New York. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Bulletin 10-061July 29, 2010

New Agent Contracting Requests Now Accepted via E-Mail

We’ve received many inquiries from you, our valued producers, regarding the use of e-mail to transmit your contracting paperwork to the home office for processing. We listened! Now, we are able to accept these types of documents via e-mail.

Effective immediately you can e-mail appropriate contracting documents to the Licensing & Commissions department at getappointed@aglife.com. The new e-mail option is not meant to replace our current methods of submission; rather our goal is to give you more flexibility when transmitting your contracting paperwork to the home office.

We accept the following submission methods for contracting paperwork:

Fax: Fax documents to 1-877-484-3142 for automatic home office processing.

Image-In: Available through ExamOne, all L&C requests (Agent Onboarding, Contract Maintenance and Terminations) can be uploaded directly to the home office via Image-In.

eAppoint: Available through eStation, eAppoint provides the appropriate new agent appointment paperwork; once completed, the paperwork is electronically submitted to the home office.

eStation Messaging: Attach completed, required forms to Web messages sent to the home office via eStation.

NEW! E-Mail: Submit messages and attachments directly to getappointed@aglife.com for home office processing.

For additional information on any of these options, please contact the L&C Call Center.

American General Life Companies

UPDATECOMPLIANCE

American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company and The United States Life Insurance Company in the City of New York. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Bulletin 10-064August 2, 2010

Continued on the next page

Reminder of Company Policy:Approval and Use of Producer-Generated Sales Material

A quick review of the Agency Agreement and the Compliance Manual will remind you the Company must approve all producer-generated sales material, including materials distributed or posted on the Internet, prior to its use for soliciting or recruiting. Agents and agencies must also resubmit advertising material if it is to be used more than 12 months after the date of the initial or subsequent approval, or if any aspect of the content, audience, format or distribution of the material has changed. There are no exceptions to this policy. Note the approval is only effective for the purpose for which approval was sought and will expire 12 months from the date of approval or sooner if the item is rendered obsolete by Company changes with respect to the subject of the sales material.

For a complete description of what is included as “sales material” and further information concerning Company policy for use and approval of sales material and Internet advertising, please refer to the Compliance Manual.

1. Forward your “Cover Notice” and sales material to the following:

Mailing Address: American General Life Companies Advertising Review Department 2727-A Allen Parkway, 2-G7 Houston, Texas 77019

For Faster Service: E-mail ARD@aglife.com

2. Required Documentation. In your submission cover note, tell us:

How the material will be distributed (newspaper, video, periodical, Internet [including Web site address], flyer, mailer, etc.)

State(s) where the material will be distributed

Frequency of distribution and duration of use

Target audience (producer recruiting or consumer)

Publication deadlines

3. Plan Ahead. Submit materials sufficiently in advance (at least one week) to allow for the complete review process.

American General Life Companies

Important Update: For your convenience an interactive “Cover Notice” in PDF format was created to facilitate the submission of producer generated sales material for review. The “Cover Notice” allows the end user to type directly on the form, save it, attach to e-mail and submit to ARD. We strongly encourage the use of this “Cover Notice” as it captures valuable information essential to begin the review process. The “Cover Notice” is located at the end of this field bulletin.

American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company and The United States Life Insurance Company in the City of New York. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

4. Internet Web Sites. The same guidelines that apply to advertisements in other media apply to those found on Internet Web sites. However, the disclosures set forth below must also be included.

“Products and agency services may not be available in all states.”

“(Name of producer) is licensed for life and health products in (those states where the producer is properly licensed).”

The disclosures should be positioned on the first page of the site if the system is non-interactive, or on a separate page (i.e., pop-up screen) if the system is partially interactive. The “pop-up” page must appear prior to any actual rates shown.

If the site is interactive, it must have a disclosure notice appear each time the applicant inputs his or her state of residence (e.g., applicant inputs state of residence as “Utah,” and the producer is not licensed there or the product is not available in that state, then a disclosure must appear which informs the applicant of this fact and terminates the process.) Thus, no rates will be shown until the site logic determines that the product is available and the producer is properly licensed.

Under no circumstances should pages be made available to print from a Web site without the above referenced disclosures.

5. American General Life Companies Logo Usage. The following guidelines apply when using the American General Life Companies Logo:

The American General Life Companies logo may be used only on (1) a producer only use/recruiting print advertising; or (2) a producer public Web site, provided the logo is hyperlinked to the American General Life Companies Web site, (www.americangeneral.com).

For printed advertising distributed for public use, the American General Life Companies logo should be relegated to text form only.

Continued on the next page

American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company and The United States Life Insurance Company in the City of New York. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Sales Material Compliance Checklist______ 1. Is the advertising truthful and not misleading in fact or by implication or omission?

______ 2. Is the form and content accurate, clear and complete so as to avoid deception or the capacity or tendency to mislead or deceive?

______ 3. Is the advertisement free of the following terms: founder’s plan, charter plan, expansion plan, profit, profits, profit sharing, deposit, deposit premium, interest plan, savings, savings plan, retirement plan, vanish, vanishing premium, pension plan, free, no cost, magical and any other misleading or confusing terms?

______ 4. Does the product marketing name indicate the contract is an annuity or life insurance policy, or is the product clearly disclosed as an annuity contract or life insurance policy, as applicable?

______ 5. Is the product marketing name clear and not confusing or misleading?

______ 6. Is the full name of the insurer prominently displayed on the front of the material?

______ 7. Is the use of the terms investment, investment plan or rate of return used only in connection with a variable product?

______ 8. Is the policy form number included?

______ 9. Does the agency’s name used in the sales material differ from the agency’s licensed name?

Illustrations (and depiction of rates)______ 10. Does the policy form that is being advertised allow the use of illustrations or rate depictions in its marketing?

______ 11. Does the illustration or rate depiction contain the required disclosures applicable to the subject company and product being marketed?

______ 12. Is the statistical information accurate, and if applicable, is the source cited?

______ 13. If for a cash value product, does the advertisement contain appropriate information about non- guaranteed elements?

______ 14. Do the illustrated rates or rate depictions contain and/or disclose all the fees (e.g., surrender charges)?

Tax Effects______ 15. If the tax liability is postponed or deferred, does the advertisement clearly and accurately describe the nature of the tax effect as tax-deferred rather than tax-free or tax-exempt, and are the tax consequences on surrenders disclosed?

______ 16. For tax-deferred annuities, is the 10 percent federal tax penalty fully disclosed?

______ 17. For tax-deferred products, does the advertisement indicate there are no current taxes and that taxes will be paid upon withdrawal?

______ 18. Is the following included when tax effects are discussed? “Statements made are based on general understanding of current federal tax laws. Such laws and interpretation by the Internal Revenue Service may change, and applicable state laws should be considered. You should seek qualified legal and tax advice, since (insert name of insurance company) and its producers do not give tax or legal advice.”

Continued on the next page

American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company and The United States Life Insurance Company in the City of New York. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Bank Checklist (if bank product)______ 19. Bank Box included?–no bank or federal agency guarantee/not a deposit/not FDIC insured (variable product/may lose money)

______ 20. Does the piece contain the mandatory disclosure boxed, or is it bulleted?

______ 21. Is the type size of the disclosure equal to or greater than the predominant type?

______ 22. Is the disclosure on the front page or the beginning page prior to the introductory text?

______ 23. Is the relationship between the agency, or insurance company, and the depository institution disclosed?

______ 24. If the bank logo is used, does it appear smaller than that of the agency or insurance company, as applicable?

______ 25. Does the piece clearly indicate that the life insurance policy or annuity is not a bank product?

______ 26. Are surrender charges accurately described?

______ 27. Are tax implications clearly described? For example, a 10 percent federal tax penalty may apply to distributions made prior to age 59½.

______ 28. Does the piece clearly communicate the nature of the product to customers?

______ 29. Does the piece state that the insurance company, and not the depository institution, stands behind the insurance or annuity product?

Letterhead, Business Cards and Titles______ 30. Are the following titles and terms avoided in relation to sale of insurance and annuity instruments: financial planner, investment advisor, financial consultant, investment planner, CFP, financial counseling, investment counseling, and similar terms or titles?

______ 31. Does the title reflect no more than the producer’s actual role and proper license?

______ 32. For bank producers, is the mandatory bank disclosure contained on the card?

______ 33. For variable producers, is the broker/dealer disclosed along with any required information?

______ 34. Is the appropriate insurance agency disclosed?

______ 35. Does it meet company requirements as to use of logos and identification of company?

Endorsements and Testimonials (can only be used with non-variable products)______ 36. Is the product to be marketed with an endorsement or testimonial a non-variable product?

______ 37. Does the endorsement or testimonial state the current view of the speaker?

______ 38. Has the documentation about the endorsement or testimonial been maintained in the appropriate advertising file?

______ 39. Is the speaker’s relationship to the company disclosed?

______ 40. If there is consideration paid to the speaker, is it revealed?

______ 41. Is the endorsement or testimonial accurately stated?

______ 42. If there is any consideration paid to the endorsing entity, is it disclosed?

Competitors______ 43. Is there any information about competitors?

______ 44. Is the information about competitors and their products accurate, complete, fair and not disparaging?

Continued on the next page

American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company and The United States Life Insurance Company in the City of New York. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Internet and Home Page______ 45. Does the advertisement have appropriate disclaimer language regarding sale to U.S. residents and product not available in all states?

______ 46. Has a search been conducted on the Internet for unauthorized communication about this product?

______ 47. Does the Web site avoid attempting to communicate with individuals residing in states where the producer is not licensed and appointed by the insurance company and where the products to be advertised are not available?

Gifts

______ 48. Is there any information about gifts in the advertisement?

______ 49. Is the value of the gift allowed in the state where the advertisement or solicitation will be made?

Telemarketing/Telephone Solicitation______ 50. Is the producer aware of the federal and applicable state restrictions and prohibitions on telemarketing and telephone solicitation, including “do-not-call” requirements?

______ 51. Does the producer subscribe to the company’s “do-not-call” compliance program?

______ 52. Does the insurance producer’s telemarketing or telephone solicitation script identify him or her as an insurance producer, the purpose of the call, and the type of insurance or annuity being offered?

______ 53. Has any sales material that the producer plans to send out after making a telephone solicitation been reviewed for compliance with advertising statutes in the relevant states?