Broadridge On-Demand Document Retirement Plan... · 2019. 8. 12. · Your plan offers target date...

PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE COMPANY®, A ONEAMERICA® COMPANY

GETTINGSTARTED

3 STEPS TO RETIREMENT PREPARATION

For educational use only.

Taking action toward your financial futureParticipate in your retirement plan

Lutheran Senior Services Retirement Match PlanG62205

ESTIMATE YOUR NEED

DETERMINE YOUR CONTRIBUTIONS

CHOOSE YOUR INVESTMENTS

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2

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3Steps to retirement preparation

When it comes to retirement, it can be easy to think “I will get to that one day,” or “One day

that will be more of a priority.” To have a better chance of reaching your retirement goals, it is

important to make that “one day” today. By offering a retirement plan your employer has put

you on a good path, but now it is up to you to take advantage of this important benefit. Read

on for more information about the three steps you can take now to prepare for retirement.

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It is important that you start preparing to reach your retirement income goals early, because waiting even one year can make a big difference.

$174,469

Total at age 65 if

contributions begin at:$3,000 Annualcontribution

= $0Age 40

$161,594Age 41 = $12,875

COST OF WAITING

(ONE YEAR)

Lisa

Age 40

Assumptions: Earns $50,000/year

Plans to retire at age 65

Contributions assume a constant

rate of return of 6 percent

$246,072

Total at age 65 if

contributions begin at:$1,500 Annualcontribution

= $0Age 25

$230,643Age 26 = $15,429 David

Age 25

Assumptions: Earns $30,000/year

Plans to retire at age 65

Contributions assume a constant

rate of return of 6 percent

COST OF WAITING

(ONE YEAR)

With the average life expectancy increasing,uncertainty around Social Security, rising healthcarecosts and inflation continuing to erode the purchasingpower of your money, participating in your retirementplan is more important than ever.

The amount you need in retirement income could playa significant role in reaching your future financialgoals. It is important to take the time to look at yourspecific situation and retirement income needs beforedetermining how much to contribute to yourretirement account.

Only 48 percent of workers report that they and/ortheir spouses have taken the time to complete aretirement needs calculation, according to the 2015Retirement Confidence Survey from Employee BenefitResearch Institute and Mathew Greenwald& Associates.

Note: All individuals are fictitious and all numeric examples arehypothetical. These hypothetical investment returns are foreducational purposes only and are not indicative of any particularinvestment or performance. Hypothetical returns assumereinvestment of earnings. Actual returns or principal value will vary.Balances shown are before reduction for taxes.

Use the “Retirement Income Strategy” tool at www.oneamerica.com/retirementstrategy to determine a suitable amount for your situation.

— 3 —

Compounding example

Thanks in part to compounding, the difference between the contributions to Michael’s account and his actual account balance at retirement is $151,149!

Note: This hypothetical investment return and fictitious name is designed to demonstrate the impact of compounding returns and is not

indicative of any particular investment or performance. Hypothetical returns assume reinvestment of earnings and a 6 percent average return

on investment. Actual returns or principal value will vary. Balance shown is before reduction of taxes.

$100Monthly contribution over 40 years

Michael

Age 25

$48kTotal contribution

= $199,149at retirement

It is a smart idea to participate in your retirement planas soon as possible. If you start contributing right away,your account may have more time to grow or weatherups and downs.

Your retirement plan contributionsThe money you contribute to your retirement accountis automatically deducted from your paycheck – beforetaxes are taken out. It goes directly into your retirementaccount, so your paycheck is actually less than it wouldhave been. This means you are paying less in currentincome taxes for the year. This can help reduce theimpact of contributing to your retirement plan on yourtake-home pay.

Put tax deferral to work for youTax deferral simply means the contributions to yourretirement plan are not currently taxed. You areputting off paying taxes on that money until youwithdraw it from your retirement account.

How can putting off paying taxes be a benefit? Not onlyare your contributions invested, but the deferred taxesallow your money to stay invested.

Roth ContributionsUnlike traditional qualified plan contributions, Rothcontributions are made with after-tax dollars, whichmeans that you are taxed on the full amount you earnfirst, and then your contribution is deducted. Rothcontributions and earnings accumulate tax-free. Whenyou reach retirement, your qualified distributions canbe withdrawn tax-free.

The Roth option may make more sense for you if:● You believe you will be in a higher tax bracket when

you retire● You prefer to reduce your future tax liability instead

of your current tax liability● You want tax-free growth

However, Roth is not for everyone. Weigh your optionscarefully.

The benefits of compoundingCompounding occurs when your initial investmentgenerates a gain that is reinvested and experiences anadditional earning. When the new balance (theoriginal investment plus the gain) generates furtherearnings, the initial gain increases the total return ofyour initial investment. When the following gains arereinvested, future positive earnings are furthercompounded.

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3. Choose yourinvestments

An important and sometimes confusing step inretirement preparation is choosing which options toinvest in. Because each investor has different goals anddifferent circumstances, there is no set strategy thatworks for everyone.

Investment typesThere are different types of investments in which youmay choose to invest your retirement plancontributions. The three main types are:● Stocks

— Stocks have historically had the greatest risk andhighest returns among the three majorinvestment types.

● Bonds— Bonds are generally less volatile than stocks but

offer more modest returns.● Cash equivalents

— Cash equivalents – such as certificates of deposit,treasury bills and money market funds – aregenerally the most conservative investments, butoffer a lower potential for return than the othermajor investment types.

Another type of investment, called an Asset Allocationinvestment, provides investors with a blended portfolioof different types of investments in a single option.These investments are a good option for investors whowould prefer to allow professional money managers tomake adjustments to their investments as the marketfluctuates.

AUL’s Retirement Services products offer flexibility anddiversity in investment options through our groupannuity contract to help plan participants reach theirretirement goals. Participants invest in an AULseparate account, which in turn invests in underlyingfunds. Plan participants are credited with units of theAUL separate account, not shares of any underlyingfund.

Understanding risk and returnInvestment risk is the potential for an investment tolose value. Return is the change in value on aninvestment. Higher returns are usually associated with

greater risks, while investments with lower returnsgenerally have a lower risk level. Understanding therelationship between risk and return is very importantas you develop your investment strategy.

The amount of investment risk you are willing to take,also known as your "risk tolerance," is a personaldecision, which can be shaped by many factorsincluding the amount of time you have untilretirement, also known as your "time horizon."● Risk tolerance

— Some people are comfortable taking on the risk offrequent ups and downs of the stock market inreturn for potentially greater long-term returns.Others prefer the possibility of a slow, steadyreturn with lower risk investments.Understanding your personal attitude toward riskcan help you find the right mix of investments foryour portfolio.

● Time horizon— The longer you have until retirement, the more

risk you can potentially afford to take.

Mixing it up with diversificationBecause different investment types have varying levelsof risk and return, it is important to make sure youhave a good mix of investments in your portfolio. Thisstrategy, called diversification, aims to balance risk andreward by allocating assets according to your goals,risk tolerance and investment horizon.

Note: Each group of investments carries its own unique risks. Beforeinvesting, please read each fund prospectus for a detailedexplanation of the risks, fees, and costs associated with eachunderlying investment. Although you might reduce volatility and riskwith diversification, you can’t eliminate investment risk altogether.Diversification does not ensure a profit or protect against loss. Bondfunds have the same interest rate, inflation and credit risks that areassociated with the underlying bonds owned by the fund.

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Money Market funds are not typically insured or guaranteedby the Federal Deposit Insurance Corporation or any otherfederal government agency. Although they seek to preservethe value of your investment at $1.00 per share, it’s possible tolose money by investing in money market funds.

What type of investor are you? Findout by completing the AssetAllocation Builder questionnaire onthe following pages.

Investment supportBecause choosing investment options can be difficult,the Lutheran Senior Services Retirement Match Planoffers you assistance with these important decisions,including tools and resources provided by AUL andothers available from independent, third parties.

Target date investment optionsYour plan offers target date investments. Target dateinvestments are types of Asset Allocation investmentsdesigned for investors who prefer to be less "hands-on"when it comes to their investment management.

With target date investments, which are based on youranticipated date of retirement, investments areprogressively rebalanced for you from riskierinvestments to more conservative investments as younear retirement.

More information on your plan’s investment optionscan be found in your enrollment materials, duringonline enrollment or by logging in to your secureaccount.

Note: Target Date Funds are designed for people who plan to retireand begin taking withdrawals during or near a specific year. Thesefunds use a strategy that reallocates equity exposure to a higherpercentage of fixed investments; the funds will shift assets fromequities to fixed-income investments over time as you nearretirement. It’s important to remember that no strategy can assure aprofit or prevent a loss in a declining market and the principal valueof the Target Date Funds is not guaranteed at any time, including thetarget date. Target Date Funds are designed to providediversification and asset allocation across several types ofinvestments and asset classes, primarily by investing in underlyingfunds. Therefore, in addition to the expenses of the Target DateFunds, an investor is indirectly paying a proportionate share of theapplicable fees and expenses of the underlying funds. The principal

amounts invested into these funds are not guaranteed at any pointand may lose value.

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What type of investor are you?Based on your personal situation and comfort level with investing, this questionnaire can help you select your investor profile. Answer these questions and total your score at the bottom. The total score recommends which of the five risk profiles is most appropriate for you.

If you’d prefer to complete this questionnaire online, visit www.oneamerica.com/AssetAllocation.

1 year 2–4 years 5–7 years 8–10 years 11+ years ScoreI expect to begin withdrawing money from my retirement account in: 1 2 3 4 5

I want a lump sum

distribution 2–4 years 5–7 years 8–10 years 11+ years ScoreOnce I begin withdrawing money from my retirement account, I expect the withdrawals to last:

1 2 3 4 5

Strongly agree Agree Neutral Disagree

Strongly disagree Score

I would take money out of my retirement account to pay for a large, unexpected expense. 1 2 3 4 5

To meet my financial goals, my investments must grow at a high rate of return. 5 4 3 2 1

I prefer investments that are a low risk, even if the returns are lower than the rate of inflation (the rise in prices over time).

1 2 3 4 5

I prefer an investment strategy designed to grow steadily and avoid sharp ups and downs. 1 2 3 4 5

When it comes to investing, protecting the money I have is my highest priority. 1 2 3 4 5

I am unwilling to wait several years to recover from losses I could incur in an extended down market.

1 2 3 4 5

I always choose investments with the highest possible return, even if the investments may frequently experience large declines in value because of higher risk.

5 4 3 2 1

If I had $1,000 invested in an account, and its value dropped to $850 after six months, I would move all my money to a more conservative account.

1 2 3 4 5

TOTAL

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Selecting an investor model to suit your style

Conservative strategy

Score 10–19The conservative investment strategy seeks to provide high current income and low long-term capital appreciation.

Moderate strategy

Score 20–26The moderate strategy seeks to provide high current income and moderate long-term capital appreciation.

Balanced strategy

Score 27–33The balanced strategy seeks to provide above average capital appreciation and a moderate level of current income.

Growth strategy

Score 34–40The growth investment strategy seeks to provide high long-term capital appreciation with low current income.

Equity growth strategy

Score 41–50An equity growth strategy seeks to provide high long-term capital appreciation.

Note: Not all plans offer investment options in all categories. Note: While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to asset allocation models neither guarantees a profit nor eliminates the possibility of loss.

Investment Percentagen Stocks 20%

n Bonds 80%


n Bonds 60%


n Bonds 40%


n Bonds 20%


n Bonds 0%

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Plan highlightsThe following information is a brief summary of your retirement plan’s features. While this

information outlines many of the provisions of the plan, it does not provide you with every

plan detail. Additional plan-specific provisions or limitations may apply. Plan documents

govern this plan and contain a full set of rules for the plan. If there are discrepancies between

this summary and the plan documents, the plan documents will govern. Please refer to your

summary plan description (SPD), summary of material modifications (SMM), or contact your

plan representative for more information.

In this section, learn more about:• Eligibility• Contributions• Vesting• Withdrawals/Distributions• ERISA Section 404(c)• ERISA Section 404(c)(5)• Enrollment and Account management

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Eligibility

When am I eligible to participate in theplan?You are immediately eligible to participate in the plan.

To receive employer contributions, you must be at leastage 21 and have completed 1 year of service and 1,000hours of service.

Note: Certain employees may be ineligible to participate in the plan.Please refer to your SPD or SMM for additional information.

When am I eligible to enroll in theplan?For employee contributions, you may enroll at any time.

For employer contributions, you may enroll in the planeffective on January 1, April 1, July 1, or October 1,following completion of the plan eligibility requirements.

Note: Requirements may differ for employer contributions made to youraccount.

Contributions

How much can I contribute to the planin pre-tax contributions?Through payroll deduction you can contribute up to 80%of your wages, salary, earnings (and bonus, if applicable).

Can I make Roth contributions to theplan?The plan allows you to make Roth after-tax contributions.The Internal Revenue Service (IRS) dollar limit appliescumulatively to pre-tax and Roth after-tax contributions.

Note: An Internal Revenue Service (IRS) dollar limit cap applies. Thedollar limit is $19,000 for the 2019 calendar year. Additional plan-specificprovisions or limitations may apply.

Can I make catch-up contributions tothe plan?If you are age 50 or older (or will turn age 50 during thecalendar year) you may be eligible to make catch-upcontributions.

If you have completed at least 15 years of service with youremployer, and the employer is a “qualified organization,”you may be eligible to make “qualified organization catch-up deferrals” which exceed the elective deferral limit.

Note: Before you can make catch-up contributions, you must first reachthe elective deferral dollar limit (the Internal Revenue Code (Code)section 402(g) limit), the annual additions limit (the Code section 415limit), the plan’s deferral limit, or the Actual Deferral Percentage (ADP)limit. The maximum catch-up contribution limit is $6,000 for the 2019calendar year.

When can I change or stop mycontributions to the plan?You can change your contributions or stop yourcontributions in accordance with plan provisions.

Note: If you stop your contributions, you can only start contributing againin accordance with plan provisions.

Will my employer make contributionsto my account?The plan provides for an employer matching contributionequal to 50% of your elective contribution up to 8% of youreligible compensation.

Note: Your eligibility to contribute to the plan may be different from youreligibility to receive an employer contribution to your account.

Vesting

What is “vesting”?Vesting is the non-forfeitable ownership (or partialownership) by an employee of the retirement accountbalances or benefits contributed to that employee’saccount.

You are always 100% vested in your deferral contributionsto the plan, any rollovers or transfers to the plan, plus anyearnings they generate.

You will be vested in your company’s employercontributions plus any earnings they generate according

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to the following schedule:

Years of service Vesting percentageLess than 1 year 0%

1 year 20%

2 years 40%

3 years 60%

4 years 80%

5 or more years 100%

Note: Additional plan-specific provisions or limitations may apply. Pleaserefer to your SPD or SMM for more information.

Withdrawals/Distributions

Once invested, when can I withdrawmoney from my account?

While your plan may provide for additional withdrawaloptions, in general withdrawals or distributions from youraccount can be made at death, at the plan’s normalretirement age of 65, in the event of a disability, or upontermination of employment.

In-service withdrawals are allowed at age 59 1/2.

The plan may also allow you to withdraw all or part of yourvested account if you can prove financial hardship and areunable to meet your financial needs another way. The plandefines a hardship as an "immediate and severe financialneed" and establishes the allowable reasons for which youmay receive such a withdrawal. Other requirements,limitations or fees may apply.

Note: Because withdrawals/distributions from your account may betaxable to you, and withdrawals prior to reaching age 59½ may besubject to an additional 10% penalty tax, consider talking with your taxadvisor before withdrawing money from your account.

ERISA Section404(c) statementThe plan is intended to be an ERISA Section 404(c) plan.This means that you "exercise control" over theinvestments in your plan account.

You will choose which investments to put your money innow and you can choose different investment options asyour needs change. This allows you to invest in the waythat best meets your personal goals. Your investmentelections remain in force until changed. Your employerand the fiduciaries of the plan may be relieved of liabilityfor any losses that your account may experience as a resultof investment choices made by you or your beneficiary.

If you do not make any investment option elections, yourcontributions will be credited to the default investmentoption identified in the contract. Monies defaulted to thedefault investment option will remain invested in thatoption until you transfer such amounts to anotherinvestment option. Once you provide investment optionelections, new contributions will be allocated according tothose elections.

All or a part of your account value may be transferredbetween the available variable investment options at anytime during the Accumulation Period, but no morefrequently than once per day. However, the companies ofOneAmerica reserve the right to reject any transfer requestwhich it reasonably determines to be made in connectionwith abusive trading practices, such as market timing orexcessive trading by an investor or by accounts of investorsunder common control.

The following transfer restriction will apply to monies inthe Fixed Interest Account (FIA), including moniesdefaulted to the FIA:

One hundred percent (100%) may be transferred from theFIA at any time. However, once a transfer has been madefrom your FIA, transfers back into the FIA are allowed onlyafter 90 days have elapsed since your last transfer from theFIA.

Your plan does not offer a brokerage window, thereforepass-through of voting, tender, and similar rights do notapply.

You may request information such as annual operatingexpenses of each investment option available under theplan that reduce the rate of return; prospectuses, financialstatements, reports, or other materials relating toinvestment options available under the plan; a list ofassets comprising each investment option whichconstitutes plan assets and the value of those assets; thevalue of units in investment options available under theplan and the past and current performance of each suchinvestment option; and information on the value of unitsin those investment options held in your own account,from:

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Michelle WetterLutheran Senior Services1150 Hanley Industrial CourtSt. Louis, MO 63144(314) 446-2487

ERISA Section 404(c)(5)noticeThe plan is also intended to be an ERISA Section 404(c)(5)compliant plan. This means that if you do not make anyinvestment option elections, your contributions will becredited to the default investment option identified in thecontract (which is intended to be a “Qualified DefaultInvestment Alternative”, or “QDIA”). Once you provideinvestment option elections, new contributions will beallocated according to those elections. Monies defaultedto the default investment option will remain invested inthat option until you transfer such amounts to anotherinvestment option. The QDIA for the plan is: TIAA-CREFLifecycle Index Funds.

Enrollment andAccount management

Am I automatically enrolled in theplan?Your employer has given you a start on your retirementpreparation by automatically enrolling you in the plan.This means that 2% of your wages, salary, earnings (andbonus, if applicable) will be invested in the followinginvestment(s): TIAA-CREF Lifecycle Index Funds.

Note: You can opt out of being automatically enrolled in the plan bycompleting the enrollment process and electing not to make contributionsor completing the enrollment process and electing to make contributionsat a different limit or selecting different investments to invest in.

Where can I go to access my accountinformation or receive assistance?

● Website: www.oneamerica.com● Voice response system and customer service:

1-800-249-6269— Representatives are available Monday through

Friday from 8 a.m. – 8 p.m. Eastern Time (ET).

Plan-specific provisions or limitationsmay apply. Please see your SPD orSMM.

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Investment informationThe quality of the options in which your retirement assets are invested is an important part of

reaching your retirement goals. Understanding the characteristics of each investment, such

as risk, return and expense in addition to routinely reviewing the performance of your plan’s

investment offerings is key. Read on to learn more about the options offered by your plan.

In this section, you will find:• Information on how to read investment performance• Investment performance for options offered by your plan• Tips on reading investment option summary pages• Investment option summary pages for your plan’s options

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How to read investmentperformance informationWhen determining suitable investment options, it is important to look at the performance of the options available in your plan. While past performance does not guarantee future results, this information can give you some background data to use when choosing where to invest your retirement assets.

1. Investment Option (Internal Code)— Shows the investment options

available for the plan.

2. Investment Type— e category in which the

option falls. when comparing options and determining where you’d like to invest.

3. Gross Expense Ratio—

annual operating expenses of the underlying investment vehicle divided by the average net assets of the underlying investment vehicle, exclusive of any waiver of fees or expense reimbursements.

4. Net Expense Ratio— e Net Expense Ratio is the

annual operating expenses of the underlying investment vehicle divided by the average net assets of the underlying investment vehicle, inclusive of any applicable waiver of fees or expense reimbursements.

5. Expense Waiver Expiration— The Expense Waiver is the

amount the fund company waives or assumes in order to keep the fund’s actual (net) expenses low. expiration indicates when the waiver is set to expire.

6. Year to Date (YTD), 1-year, 3-year, 5-year and 10-year or inception performance— Shows the investment option’s

performance for the spec time period.

7. Investment Option Inception Date— date the investment option

was st made available to investors.

Note:While investment performance is

available for most investment options,

it is not available for all options. Some

performance data may be provided by the

investment’s manager or not available

at this time. • In addition to Annualized

performance, Standardized performance

is also included for your plan’s investment

options. Standardized performance is

updated quarterly. Additionally, standardized

performance contains an AUL Inception

Date, which is the date the option became

available to AUL plans. This may differ from

the Investment Option Inception Date shown

on Annualized performance.

Th

The Gross Expense Ratio is the

The

This is helpful

Th

The

ific

fir

— 14 —

Annualized performanceas of 12/31/2018

Note: Variable products are sold by prospectus.Both the product prospectus and underlying fundprospectuses can be obtained from yourinvestment professional or by writing to OneAmerican Square, Indianapolis, IN 46282,1-800-249-6269. Before investing, carefullyconsider the fund's investment objectives, risks,charges and expenses. The product prospectus andunderlying fund prospectus contain this and otherimportant information. Read the prospectusescarefully before investing.

Note: Returns are historical and past performancedoes not guarantee future results. Currentperformance may be lower or higher than theperformance quoted. The investment return andprincipal value of the investment accounts willfluctuate, thus a participant's units/shares may beworth more or less than their original costwhen redeemed.

Note: Annualized total return figures shown are netof the ordinary operating expenses for each fund,

but may not reflect a deduction for any contractrelated charges and fees such as mortality &expense risk charges, administrative expenses,premium tax charges, maintenance fees or otherexpenses that might be incurred under a groupvariable annuity contract. If included in these totalreturn figures, any such charges would lower theperformance shown. For a complete description ofthe charges, expenses or fees that apply to yourcontract, please contact your Employer or PlanAdministrator. For a more complete description ofthe performance calculation and other importantinformation, write to One American Square,Indianapolis, IN 46282, 1-800-249-6269.

Note: The performance reported includes themortality and expense risk charge (1.25% on anannualized basis) but does not reflect the deductionof withdrawal charges or a pro rata portion of anyadministrative charge. Based on the type ofcontract, administrative fees may range from $0 -$7.50 per quarter.

Annualized performance as of 12/31/2018

Investment Option /Internal Code Investment Type

GrossExp.Ratio

NetExp.Ratio

Exp.WaiverExpiration YTD 1 Year 3 Years 5 Years

10 Years /Inception

INVOptionInception

Intermediate-Term Bonds

PGIM Total Return Bond R6/CFRK1 Int Term Bond 0.41 0.41 Voluntary -1.87 -1.87 2.40 2.53 3.18 12/27/2010

Large-Cap Stocks

AmerFds Washington Mutual R6/

CFJW

Large Cap

Value

0.29 0.29 Voluntary -3.88 -3.88 8.86 7.20 12.56 05/01/2009

Vanguard 500 Index Adm/CFVW Large Cap

Blend

0.04 0.04 Voluntary -5.62 -5.62 7.99 7.35 12.04 11/13/2000

AmerFds Grth Fd of America R6/

CFJV

Large Cap

Growth

0.33 0.33 Voluntary -3.82 -3.82 9.04 8.10 12.61 05/01/2009

Mid-Cap Stocks

JPMorgan Mid Cap Value R6/

CG3M2, 6Mid Cap Blend 0.76 0.73 10/31/2019 -12.76 -12.76 N/A N/A 1.61 09/09/2016

TRowePrice MidCap Grth I/CFRY2 Mid Cap

Growth

0.62 0.62 Voluntary -3.13 -3.13 8.07 N/A 4.43 08/28/2015

Small-Cap Stocks

AmBeacon Sm Cap Val R6/CH4N2 Small Cap

Value

0.81 0.81 Voluntary -16.57 -16.57 N/A N/A -6.28 02/28/2017

Vanguard SmCap Grth Idx Adm/

CFW92Small Cap

Growth

0.07 0.07 Voluntary -6.86 -6.86 7.20 3.88 10.84 09/27/2011

continues— 15 —

Annualized performance as of 12/31/2018


GrossExp.Ratio

NetExp.Ratio

Exp.WaiverExpiration YTD 1 Year 3 Years 5 Years

10 Years /Inception

INVOptionInception

Foreign Stocks

Vanguard Emrg Mkts Stk Idx Adm/

CFV33Diversified

Emerg Mkt

0.14 0.14 Voluntary -15.64 -15.64 6.62 0.29 6.46 06/23/2006

AmerFds EuroPac Grth R6/CFJM3 Foreign

Growth

0.49 0.49 Voluntary -15.97 -15.97 2.91 0.82 6.70 05/01/2009

Specialty

Vanguard REIT Index Adm/CFW44 Specialty 0.12 0.12 Voluntary -7.13 -7.13 1.16 6.30 10.99 11/12/2001

Managed Asset Allocation

TIAA-CREF Lifecycle Idx 2010 I/

CFT45, 6Mgd Asset

Allocation

0.25 0.10 09/30/2019 -4.08 -4.08 3.34 2.88 5.19 09/30/2009


CFT65, 6Mgd Asset

Allocation

0.23 0.10 09/30/2019 -4.50 -4.50 3.65 3.08 5.59 09/30/2009


CFT75, 6Mgd Asset

Allocation

0.21 0.10 09/30/2019 -4.95 -4.95 4.09 3.34 6.11 09/30/2009


CFT95, 6Mgd Asset

Allocation

0.20 0.10 09/30/2019 -5.62 -5.62 4.58 3.64 6.62 09/30/2009


CFVG5, 6Mgd Asset

Allocation

0.20 0.10 09/30/2019 -6.23 -6.23 5.03 3.90 7.14 09/30/2009


CFVH5, 6Mgd Asset

Allocation

0.19 0.10 09/30/2019 -6.91 -6.91 5.48 4.15 7.62 09/30/2009


CFVJ5, 6Mgd Asset

Allocation

0.19 0.10 09/30/2019 -7.53 -7.53 5.90 4.38 7.92 09/30/2009


CFVK5, 6Mgd Asset

Allocation

0.20 0.10 09/30/2019 -8.09 -8.09 6.02 4.44 7.95 09/30/2009


CFVM5, 6Mgd Asset

Allocation

0.20 0.10 09/30/2019 -8.17 -8.17 6.15 4.52 7.99 09/30/2009


CFVN5, 6Mgd Asset

Allocation

0.24 0.10 09/30/2019 -8.30 -8.30 6.24 4.56 6.32 04/29/2011


CFVP5, 6Mgd Asset

Allocation

0.48 0.10 09/30/2019 -8.29 -8.29 6.32 N/A 4.34 09/26/2014

TIAA-CREF Lifecycle Idx Inc I/

CFVR5, 6Mgd Asset

Allocation

0.31 0.10 09/30/2019 -3.87 -3.87 3.13 2.73 4.75 09/30/2009

— 16 —

Standardized performanceas of 12/31/2018

Note: Standardized Average Annual Returns arereported on a calendar quarter basis. Theperformance data is based on the date theinvestment account was first offered through theAUL American Unit Trust. These performance

results show the percentage change on an annualizedbasis for each period with dividends, capital gainsand income reinvested. The returns reflect thereduction of all recurring expenses.

Standardized performance as of 12/31/2018


GrossExp.Ratio

NetExp.Ratio

ExpenseWaiverExpiration YTD 1 Year

3Years

5Years

10Years /Inception

AULInception

Intermediate-Term Bonds

PGIM Total Return Bond R6/CFRK1 Int Term Bond 0.41 0.41 Voluntary -1.87 -1.87 N/A N/A 1.83 12/08/2016

Large-Cap Stocks

AmerFds Washington Mutual R6/

CFJW

Large Cap

Value

0.29 0.29 Voluntary -3.88 -3.88 N/A N/A 6.73 12/08/2016

Vanguard 500 Index Adm/CFVW Large Cap

Blend

0.04 0.04 Voluntary -5.62 -5.62 N/A N/A 6.18 12/08/2016

AmerFds Grth Fd of America R6/

CFJV

Large Cap

Growth

0.33 0.33 Voluntary -3.82 -3.82 N/A N/A 8.65 12/08/2016

Mid-Cap Stocks

JPMorgan Mid Cap Value R6/

CG3M2, 6Mid Cap Blend 0.76 0.73 10/31/2019 -12.76 -12.76 N/A N/A -4.35 06/22/2017

TRowePrice MidCap Grth I/CFRY2 Mid Cap

Growth

0.62 0.62 Voluntary -3.13 -3.13 N/A N/A 7.94 12/08/2016

Small-Cap Stocks

AmBeacon Sm Cap Val R6/CH4N2 Small Cap

Value

0.81 0.81 Voluntary N/A N/A N/A N/A -16.85 03/15/2018

Vanguard SmCap Grth Idx Adm/

CFW92Small Cap

Growth

0.07 0.07 Voluntary -6.86 -6.86 N/A N/A 4.26 12/08/2016

Foreign Stocks

Vanguard Emrg Mkts Stk Idx Adm/

CFV33Diversified

Emerg Mkt

0.14 0.14 Voluntary -15.64 -15.64 N/A N/A 3.42 12/08/2016

AmerFds EuroPac Grth R6/CFJM3 Foreign Growth 0.49 0.49 Voluntary -15.97 -15.97 N/A N/A 3.45 12/08/2016

Specialty

Vanguard REIT Index Adm/CFW44 Specialty 0.12 0.12 Voluntary -7.13 -7.13 N/A N/A -1.36 12/08/2016

Managed Asset Allocation


CFT45, 6Mgd Asset

Allocation

0.25 0.10 09/30/2019 -4.08 -4.08 N/A N/A 2.35 12/08/2016


CFT65, 6Mgd Asset

Allocation

0.23 0.10 09/30/2019 -4.50 -4.50 N/A N/A 2.61 12/08/2016


CFT75, 6Mgd Asset

Allocation

0.21 0.10 09/30/2019 -4.95 -4.95 N/A N/A 2.99 12/08/2016


CFT95, 6Mgd Asset

Allocation

0.20 0.10 09/30/2019 -5.62 -5.62 N/A N/A 3.34 12/08/2016

continues— 17 —

Standardized performance as of 12/31/2018


GrossExp.Ratio

NetExp.Ratio

ExpenseWaiverExpiration YTD 1 Year

3Years

5Years

10Years /Inception

AULInception

Managed Asset Allocation (Cont)


CFVG5, 6Mgd Asset

Allocation

0.20 0.10 09/30/2019 -6.23 -6.23 N/A N/A 3.70 12/08/2016


CFVH5, 6Mgd Asset

Allocation

0.19 0.10 09/30/2019 -6.91 -6.91 N/A N/A 4.06 12/08/2016


CFVJ5, 6Mgd Asset

Allocation

0.19 0.10 09/30/2019 -7.53 -7.53 N/A N/A 4.40 12/08/2016


CFVK5, 6Mgd Asset

Allocation

0.20 0.10 09/30/2019 -8.09 -8.09 N/A N/A 4.40 12/08/2016


CFVM5, 6Mgd Asset

Allocation

0.20 0.10 09/30/2019 -8.17 -8.17 N/A N/A 4.49 12/08/2016


CFVN5, 6Mgd Asset

Allocation

0.24 0.10 09/30/2019 -8.30 -8.30 N/A N/A 4.52 12/08/2016


CFVP5, 6Mgd Asset

Allocation

0.48 0.10 09/30/2019 -8.29 -8.29 N/A N/A 4.56 12/08/2016

TIAA-CREF Lifecycle Idx Inc I/

CFVR5, 6Mgd Asset

Allocation

0.31 0.10 09/30/2019 -3.87 -3.87 N/A N/A 2.19 12/08/2016

Additional information about your investment options

Note: Any performance reported before AUL first offered aninvestment account is hypothetical and was calculated by adjustingthe underlying fund's performance by current applicablecontract charges.

Note: Unit values are based on net asset values provided by thefund company and not independently verified by OneAmerica. IfOneAmerica receives corrected information, the net asset value willbe recomputed and your account will be recalculated, if necessary,to reflect the corrected net asset value, provided that the error wasmaterial under federal securities laws.

Asset Class and Investment Option Specific Disclosures

1. Note: Bond funds have the same interest rate, inflation and creditrisks that are associated with the underlying bonds owned bythe fund.

2. Note: Funds investing in stocks of small, mid-sized, and emergingcompanies may have less liquidity than those investing in larger,established companies and may be subject to greater price volatilityand risk than the overall stock market.

3. Note: Investing in international markets involves risks notassociated with investing solely in the U.S., such as currencyfluctuation, potential political and diplomatic instability, liquidityrisks, and differences in accounting, taxes, and regulations.

4. Note: Sector funds may experience greater short-term pricevolatility than more diversified equity funds. Funds that invest in aconcentrated sector or focus on a relatively small number ofsecurities may be subject to greater volatility than a morediversified investment.

5. Note: Target Date Funds are designed for people who plan toretire and begin taking withdrawals during or near a specific year.These funds use a strategy that reallocates equity exposure to ahigher percentage of fixed investments; the funds will shift assetsfrom equities to fixed-income investments over time. As a result, thefunds become more conservative over time as you approachretirement. It's important to remember that no strategy can assure aprofit or prevent a loss in a declining market and the principal valueof the Target Date Funds is not guaranteed at any time, including thetarget date. Target Date Funds are designed to providediversification and asset allocation across several types ofinvestments and asset classes, primarily by investing in underlyingfunds. Therefore, in addition to the expenses of the Target DateFunds, an investor is indirectly paying a proportionate share of theapplicable fees and expenses of the underlying funds. The principalamounts invested into these funds are not guaranteed at any pointand may lose value.

6. Note: The investment manager or adviser has agreed to limit theportfolios' expenses by waiving fees and or reimbursing certainexpenses of the fund. Contractual waivers expire at the prescribed

— 18 —

date and may be renewed. Voluntary waivers can be discontinued atany time.

Additional Notes

Note: The use of asset allocation or diversification does not assure aprofit or guarantee against a loss.

Note: Group annuity contracts are issued by American United LifeInsurance Company® (AUL) and registered variable annuity productsare distributed by OneAmerica Securities, Inc., Member FINRA, SIPC,a Registered Investment Advisor, One American Square,Indianapolis, IN 46282, 1-877-285-3863. While a participant in anannuity contract may benefit from additional investment and annuityrelated benefits under the annuity contract, any tax deferral isprovided by the plan and not the annuity contract.

Note: Participants invest in AUL separate accounts, which in turninvest in underlying funds. Plan participants own units of an AULseparate account, not shares of any underlying fund.

Note: If a participant invests in assets held with another company,recordkeeper or vendor, they will receive more than one statementdetailing their investments. Examples of these types of assetsinclude self-directed brokerage accounts, real estate, life insurance,or assets with another vendor.

Note: Log into your secure account at www.oneamerica.com toobtain the most current calendar month end performance.

— 19 —

A fund’s overall Morningstar Rating, based on its risk-adjusted return, is

h

A fund’s overall Morningstar Rating, based on its risk-adjusted return, is A fund’s overall Morningstar Rating, based on its risk-adjusted return, isa weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for details.

hh

kk

Sectors, which are comprised of 11 sectors according to their primary business.

» Sensitive Super Sector: Communication Services, Energy, Industrials and Technology

» Defensive Super Sector: Healthcare, Consumer Defensive and Utilities

» Cyclical Super Sector: Basic Materials, Consumer Cyclical, Financial Services and Real Estate

— A summary of theinvestment’s past price fluctuation

— Alpha: The difference between the investment’s active returns and its expected performance (given its level of risk)

— Beta: A measurement of the investment’s sensitivity to market movements

— R-Squared: The percentage of the investment’s movements as explained by movements in its benchmark index

— Sharpe Ratio: Uses standard deviation and excess return to determine reward per unit of risk

— Standard Deviation: A statistical measure of the volatility of the investment’s returns

— Information on inception dates, availability and restrictions, as well as the portfolio manager’s name and contact information

Note: Some of the sections on this example may vary based on investment option. • While investment options summary pages are available for most investment options, they are not available for all options. Some summary pages may be provided by the investment’s manager or not available at this time.

— The name of theinvestment option

— The category in which thisinvestment falls

— A measurement byMorningstar of how this investment has performed relative to similar offerings after costs and risks are taken into consideration

— The objective of theinvestment and how the portfolio manager intends to reach that objective

— The holdings of theinvestment, broken down by general investment class

— A visual representation of where the investment option falls in terms of size, style and risk

— The top 5 stocks and bondswith the most influence on the returns of this investment option

— How much of theinvestment is held in each of Morningstar’s three Super

2 3

45 6

7 8

109

11

1

1. Investment name

2. Morningstar category

3. Overall Morningstar Rating™

4. Investment strategy

5. Composition

6. Morningstar Style Box™

7. Top 5 holdings

8. Morningstar EquitySuper Sectors

9. Volatility analysis

10. Risk measures

11. Operations

— 20 —

See Disclosure page for more information.

©2016 Morningstar, Inc., Morningstar Investment Profiles™ 312-69 6-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed;

and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future

performance. Visit our investment website at www.morningstar.com

AUL Fixed Interest Account Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskStable Value

Out of 474 Stable Value investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted averageof its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThis is an interest-earning investment option, backed by AUL's general account assets. AUL guarantees that interest will be credited at the higher of the rate guaranteed in the group annuity contract and the current rate declared by it. AUL may change the initial interest rate for future contributions. New contributions are guaranteed to earn the applicable initial interest rate for at least a one-year time period from the date contributions are made. Changes in the initial interest rate or in the interest rate for prior contributions will also be effective for at least one year. In no event will the interest rate ever be below the rate guaranteed in the group annuity contract. AUL bears the investment risk for the AUL Fixed Interest Account values and for paying interest.

Composition as of 09-30-18 % Assets

Bonds 65.00Cash 5.00Commingled Mortgages 30.00

OperationsFund Inception Date 12-01-06Management CompanyPortfolio Manager(s) No manager information availableGross Expense RatioExpense RatioRedemption Fee

Morningstar Fixed Income Style Box™ as of 09-30-18HighM

edLow

Ltd Mod Ext

Market Sectors as of 09-30-18 % Fund

Corporate Bonds 65.00Mortgage & Asset Backed Securities 15.00Direct Commercial Mortgages 15.00Other 5.00

Volatility AnalysisRisk:

The volatility measure is not displayed for investments withfewer than three years of history. The category average,however, is shown above.

PGIM Total Return Bond R6 Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskIntermediate-Term Bond High High

Out of 902 Intermediate-Term Bond investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weightedaverage of its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks total return. The fund will seek to achieve its objective through a mix of current income and capital appreciation as determined by the fund's investment subadviser. It invests, under normal circumstances, at least 80% of the fund's investable assets in bonds. For purposes of this policy, bonds include all fixed-income securities, other than preferred stock, with a maturity at date of issue of greater than one year. The fund may invest up to 30% of its investable assets in high risk, below investment-grade securities having a rating of not lower than CCC. It may invest up to 30% of its investable assets in foreign debt securities.

Volatility AnalysisRisk: Below Average

In the past, this investment has shown a relatively smallrange of price fluctuations relative to other investments.Based on this measure, currently more than two-thirds of allinvestments have shown higher levels of risk. Consequently,this investment may appeal to investors looking for aconservative investment strategy.

Composition as of 09-30-18 % Net

U.S. Stocks 0.0Non-U.S. Stocks 0.0Bonds 98.3Cash 0.8Other 0.9

..........................................................................................-100 -50 0 50 100 Total 100.0

Morningstar Fixed Income Style Box™ as of 09-30-18

HighM

edLow

Ltd Mod Ext

Avg Eff Duration 6.58Avg Eff MaturityAvg Wtd CouponAvg Wtd Price30 Day SEC Yield 3.25

Top 5 Holdings as of 09-30-18 % Assets

US 5 Year Note (CBT) Dec18 12-31-18 22.95US 10 Year Note (CBT) Dec18 12-18-18 17.60Payb Fra 4.12 10/10/2018 10-10-18 8.72Recv Fra 2.9275 10/10/18 10-10-18 8.72Payb Fra 2.9275 10/10/18 10-10-18 8.71.......................................................................................................Total Number of Stock Holdings 1Total Number of Bond Holdings 2364Annual Turnover Ratio % 95.00Total Fund Assets ($mil) 35,299.19

Credit Analysis: % Bonds as of 09-30-18

AAA 42 BB 7AA 7 B 4A 14 Below B 0BBB 20 Not Rated 7

OperationsFund Inception Date 12-27-10Management Company PGIM Investments LLCPortfolio Manager(s) Robert Tipp

Gross Expense Ratio 0.41% of fund assetsExpense Ratio 0.41% of fund assetsRedemption Fee

— 21 —





American Funds Washington Mutual R6 Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskLarge Blend High Below Average

Out of 1196 Large Blend investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted averageof its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing. The fund invests primarily in common stocks of established companies that are listed on, or meet the financial listing requirements of, the New York Stock Exchange and have a strong record of earnings and dividends. Its advisor strives to maintain a fully invested, diversified portfolio, consisting primarily of high-quality common stocks.

Volatility AnalysisRisk: Average

In the past, this investment has shown a relatively moderaterange of price fluctuations relative to other investments. Thisinvestment may experience larger or smaller price declines orprice increases depending on market conditions. Some of thisrisk may be offset by owning other investments with differentportfolio makeups or investment strategies.

Composition as of 09-30-18 % AssetsU.S. Stocks 87.0Non-U.S. Stocks 7.9Bonds 0.0Cash 4.6Other 0.5

Morningstar Equity Style Box™ as of 09-30-18 % Mkt CapLarge

Mid

Small

Value Blend Growth

Giant 62.73........................................................Large 33.99Medium 3.28Small 0.00........................................................Micro 0.00


Microsoft Corp 6.22The Home Depot Inc 3.57Intel Corp 2.76Boeing Co 2.74Royal Dutch Shell PLC ADR Class B 2.54.......................................................................................................Total Number of Stock Holdings 128Total Number of Bond Holdings 0Annual Turnover Ratio % 25.00Total Fund Assets ($mil) 105,346.19

Morningstar Super Sectors as of 09-30-18 % FundCyclical 29.82Sensitive 46.05Defensive 24.14

OperationsFund Inception Date 05-01-09Management Company Capital Research and Management

CompanyPortfolio Manager(s) Alan N. Berro


Vanguard 500 Index Admiral Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskLarge Blend Above Average Average

Out of 1196 Large Blend investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted averageof its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Standard & Poor's 500 Index, a widely recognized benchmark of U.S. stock market performance that is dominated by the stocks of large U.S. companies. The advisor attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index.




Morningstar Equity Style Box™ as of 09-30-18 % Mkt Cap

LargeM

idSmall

Value Blend Growth



Apple Inc 4.19Microsoft Corp 3.55Amazon.com Inc 3.32Berkshire Hathaway Inc B 1.62Facebook Inc A 1.60.......................................................................................................Total Number of Stock Holdings 509Total Number of Bond Holdings 2Annual Turnover Ratio % 3.00Total Fund Assets ($mil) 332,111.29


OperationsFund Inception Date 11-13-00Management Company Vanguard Group IncPortfolio Manager(s) Donald M. Butler


— 22 —





American Funds Growth Fund of Amer R6 Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskLarge Growth Average Below Average

Out of 1258 Large Growth investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted averageof its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks growth of capital. The fund invests primarily in common stocks and seeks to invest in companies that appear to offer superior opportunities for growth of capital. It may invest up to 25% of its assets in securities of issuers domiciled outside the United States. The investment adviser uses a system of multiple portfolio managers in managing the fund's assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers who decide how their respective segments will be invested.





Mid

Small

Value Blend Growth



Amazon.com Inc 6.18Netflix Inc 4.21Facebook Inc A 3.83Microsoft Corp 3.74Alphabet Inc Class C 3.35.......................................................................................................Total Number of Stock Holdings 238Total Number of Bond Holdings 13Annual Turnover Ratio % 25.00Total Fund Assets ($mil) 180,156.49



CompanyPortfolio Manager(s) Donald D. O'Neal


JPMorgan Mid Cap Value R6 Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskMid-Cap Blend

Out of 371 Mid-Cap Blend investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted averageof its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks growth from capital appreciation. Under normal circumstances, the fund invests at least 80% of its assets in equity securities of mid cap companies. "Assets" means net assets, plus the amount of borrowings for investment purposes. Mid cap companies are companies with market capitalizations equal to those within the universe of the Russell Midcap Value Index and/or between $1 billion and $20 billion at the time of purchase.





LargeM

idSmall

Value Blend Growth



Jpmorgan U.S. Government Money 12-31-49 3.92Energen Corp 2.45Ball Corp 1.82Loews Corp 1.72CMS Energy Corp 1.70.......................................................................................................Total Number of Stock Holdings 107Total Number of Bond Holdings 0Annual Turnover Ratio % 13.00Total Fund Assets ($mil) 17,314.97


OperationsFund Inception Date 09-09-16Management Company J.P. Morgan Investment

Management, Inc.Portfolio Manager(s) Jonathan K.L. Simon


— 23 —





T. Rowe Price Mid-Cap Growth I Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskMid-Cap Growth Average Average

Out of 540 Mid-Cap Growth investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weightedaverage of its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks long-term capital appreciation. The fund normally invests at least 80% of its net assets (including any borrowings for investment purposes) in a diversified portfolio of common stocks of mid-cap companies whose earnings T. Rowe Price expects to grow at a faster rate than the average company. The advisor defines mid-cap companies as those whose market capitalization falls within the range of either the S&P MidCap 400 Index or the Russell Midcap Growth Index. While most assets will typically be invested in U.S. common stocks, the fund may invest in foreign stocks in keeping with the fund's objectives.





Mid

Small

Value Blend Growth



Reserve Invt Fds 09-19-34 6.39Textron Inc 2.32Teleflex Inc 2.27The Cooper Companies Inc 1.93Tapestry Inc 1.87.......................................................................................................Total Number of Stock Holdings 135Total Number of Bond Holdings 0Annual Turnover Ratio % 25.80Total Fund Assets ($mil) 30,118.32


OperationsFund Inception Date 08-28-15Management Company T. Rowe Price Associates, Inc.Portfolio Manager(s) Brian W.H. Berghuis


American Beacon Small Cap Value R6 Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskSmall Value

Out of 362 Small Value investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average ofits applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks long-term capital appreciation and current income. Under normal circumstances, at least 80% of the fund's net assets (plus the amount of any borrowings for investment purposes) are invested in equity securities of small market capitalization U.S. companies. These companies have market capitalizations of $5 billion or less at the time of investment. The fund's investments may include common stocks, real estate investment trusts ("REITs"), American Depositary Receipts ("ADRs") and U.S. dollar-denominated foreign stocks traded on U.S. exchanges (collectively, "stocks").





LargeM

idSmall

Value Blend Growth



U.S. Government Money Market S 01-01-50 3.22E-Mini Russ 2000 Dec18 Xcme 20 12-21-18 3.13Portland General Electric Co 0.89American Axle & Mfg Holdings Inc 0.87ARRIS International PLC 0.87.......................................................................................................Total Number of Stock Holdings 547Total Number of Bond Holdings 0Annual Turnover Ratio % 48.00Total Fund Assets ($mil) 6,547.01


OperationsFund Inception Date 02-28-17Management Company American Beacon Advisors IncPortfolio Manager(s) James B. Miles


— 24 —





Vanguard Small Cap Growth Index Admiral Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskSmall Growth Average Below Average

Out of 606 Small Growth investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted averageof its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks to track the performance of a benchmark index that measures the investment return of small-capitalization growth stocks. The fund employs an indexing investment approach designed to track the performance of the CRSP US Small Cap Growth Index, a broadly diversified index of growth stocks of small U.S. companies. The advisor attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index.

Volatility AnalysisRisk: Above Average

In the past, this investment has shown a wide range of pricefluctuations relative to other investments. This investmentmay experience significant price increases in favorablemarkets or undergo large price declines in adverse markets.Some of this risk may be offset by owning other investmentsthat follow different investment strategies.



Mid

Small

Value Blend Growth



Cmt Market Liquidity Rate 1.45PTC Inc 0.65Burlington Stores Inc 0.64Neurocrine Biosciences Inc 0.64Sarepta Therapeutics Inc 0.59.......................................................................................................Total Number of Stock Holdings 654Total Number of Bond Holdings 0Annual Turnover Ratio % 19.00Total Fund Assets ($mil) 14,292.22


OperationsFund Inception Date 09-27-11Management Company Vanguard Group IncPortfolio Manager(s) Gerard C. O’Reilly


Vanguard Emerging Mkts Stock Idx Adm Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskDiversified Emerging Mkts Average Average

Out of 708 Diversified Emerging Mkts investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is aweighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in emerging market countries. The fund employs an indexing investment approach designed to track the performance of the FTSE Emerging Markets All Cap China A Inclusion Index, a market-capitalization-weighted index that is made up of approximately 4,032 common stocks of large-, mid-, and small-cap companies located in emerging markets around the world.





LargeM

idSmall

Value Blend Growth



Tencent Holdings Ltd 4.38Cmt Market Liquidity Rate 3.45Alibaba Group Holding Ltd ADR 3.27Taiwan Semiconductor Manufacturing Co Lt 2.35Naspers Ltd Class N 1.73.......................................................................................................Total Number of Stock Holdings 3997Total Number of Bond Holdings 5Annual Turnover Ratio % 6.00Total Fund Assets ($mil) 20,028.68

Morningstar Super World Regions as of 09-30-18 % Fund

Americas 13.05Greater Europe 14.34Greater Asia 72.61

OperationsFund Inception Date 06-23-06Management Company Vanguard Group IncPortfolio Manager(s) Michael Perre


— 25 —





American Funds Europacific Growth R6 Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskForeign Large Growth Above Average Below Average

Out of 347 Foreign Large Growth investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weightedaverage of its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks long-term growth of capital. The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. Growth stocks are stocks that the investment adviser believes have the potential for above-average capital appreciation. It normally will invest at least 80% of its net assets in securities of issuers in Europe and the Pacific Basin. The fund may invest a portion of its assets in common stocks and other securities of companies in emerging markets.





Mid

Small

Value Blend Growth



AIA Group Ltd 2.70Airbus SE 2.49Nintendo Co Ltd 2.35Samsung Electronics Co Ltd 2.34Reliance Industries Ltd 2.32.......................................................................................................Total Number of Stock Holdings 269Total Number of Bond Holdings 11Annual Turnover Ratio % 29.00Total Fund Assets ($mil) 147,385.56

Morningstar Super World Regions as of 09-30-18 % Fund

Americas 10.53Greater Europe 38.75Greater Asia 50.72


CompanyPortfolio Manager(s) Mark E. Denning


Vanguard Real Estate Index Admiral Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskReal Estate Average Above Average

Out of 222 Real Estate investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weighted average ofits applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of the MSCI US Investable Market Real Estate 25/50 Index that measures the performance of publicly traded equity REITs and other real estate-related investments. The advisor attempts to track the index by investing all, or substantially all, of its assets-either directly or indirectly through a wholly owned subsidiary, which is itself a registered investment company-in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index. The fund is non-diversified.





LargeM

idSmall

Value Blend Growth



Vanguard Real Estate II Index 10.80American Tower Corp 5.39Simon Property Group Inc 4.60Crown Castle International Corp 3.88Prologis Inc 3.58.......................................................................................................Total Number of Stock Holdings 184Total Number of Bond Holdings 1Annual Turnover Ratio % 6.00Total Fund Assets ($mil) 26,684.79


OperationsFund Inception Date 11-12-01Management Company Vanguard Group IncPortfolio Manager(s) Gerard C. O’Reilly


— 26 —





TIAA-CREF Lifecycle Index 2010 Instl Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskTarget-Date 2010 High Average

Out of 113 Target-Date 2010 investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weightedaverage of its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks high total return over time through a combination of capital appreciation and income. The fund is a "fund of funds" that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products. It has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in underlying funds that are managed to seek investment returns that track particular market indices. The Adviser expects to allocate approximately 41.00% of its assets to equity underlying funds and 59.00% of its assets to fixed-income underlying funds.




Morningstar Style Box™ as of 09-30-18(EQ) ; 06-30-18(F-I)LargeM

idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext


TIAA-CREF Bond Index W 39.61TIAA-CREF Equity Index W 29.22TIAA-CREF Inflation Link Bd W 9.29TIAA-CREF Short-Term Bond Index W 9.29TIAA-CREF International Eq Idx W 9.18.......................................................................................................Total Number of Holdings 7Annual Turnover Ratio % 16.00Total Fund Assets ($mil) 409.30


OperationsFund Inception Date 09-30-09Management Company Teachers Advisors LLCPortfolio Manager(s) Hans L. Erickson



..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskTarget-Date 2015 Above Average Average







idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext


TIAA-CREF Bond Index W 38.58TIAA-CREF Equity Index W 32.71TIAA-CREF International Eq Idx W 10.28TIAA-CREF Short-Term Bond Index W 7.29TIAA-CREF Inflation Link Bd W 7.28.......................................................................................................Total Number of Holdings 7Annual Turnover Ratio % 11.00Total Fund Assets ($mil) 796.05




— 27 —













idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext


TIAA-CREF Equity Index W 36.96TIAA-CREF Bond Index W 36.56TIAA-CREF International Eq Idx W 11.61TIAA-CREF Inflation Link Bd W 5.29TIAA-CREF Short-Term Bond Index W 5.29.......................................................................................................Total Number of Holdings 7Annual Turnover Ratio % 8.00Total Fund Assets ($mil) 1,877.13












idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext


TIAA-CREF Equity Index W 42.54TIAA-CREF Bond Index W 32.53TIAA-CREF International Eq Idx W 13.36TIAA-CREF Emerging Markets Eq Idx W 4.79TIAA-CREF Inflation Link Bd W 3.29.......................................................................................................Total Number of Holdings 7Annual Turnover Ratio % 7.00Total Fund Assets ($mil) 2,277.88




— 28 —













idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext


TIAA-CREF Equity Index W 48.11TIAA-CREF Bond Index W 28.55TIAA-CREF International Eq Idx W 15.09TIAA-CREF Emerging Markets Eq Idx W 5.41TIAA-CREF Inflation Link Bd W 1.30.......................................................................................................Total Number of Holdings 7Annual Turnover Ratio % 5.00Total Fund Assets ($mil) 2,419.44












idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext


TIAA-CREF Equity Index W 53.76TIAA-CREF Bond Index W 23.17TIAA-CREF International Eq Idx W 16.87TIAA-CREF Emerging Markets Eq Idx W 6.05.......................................................................................................Total Number of Holdings 5Annual Turnover Ratio % 5.00Total Fund Assets ($mil) 2,216.50




— 29 —













idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext


TIAA-CREF Equity Index W 59.32TIAA-CREF International Eq Idx W 18.60TIAA-CREF Bond Index W 15.17TIAA-CREF Emerging Markets Eq Idx W 6.66.......................................................................................................Total Number of Holdings 5Annual Turnover Ratio % 3.00Total Fund Assets ($mil) 2,377.23







Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks high total return over time through a combination of capital appreciation and income. The fund is a "fund of funds" that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products. It has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in underlying funds that are managed to seek investment returns that track particular market indices. The advisor expects to allocate approximately 90.25% of its assets to equity underlying funds and 9.75% of its assets to fixed-income underlying funds.





idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext






— 30 —








Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks high total return over time through a combination of capital appreciation and income. The fund is a "fund of funds" that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products. It has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in underlying funds that are managed to seek investment returns that track particular market indices. The advisor expects to allocate approximately 91.50% of its assets to equity underlying funds and 8.50% of its assets to fixed-income underlying funds.





idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext







..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskTarget Date 2055 High Below Average

Out of 173 Target Date 2055 investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weightedaverage of its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks high total return over time through a combination of capital appreciation and income. The fund is a "fund of funds" that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products. It has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in underlying funds that are managed to seek investment returns that track particular market indices. The adviser expects to allocate approximately 92.75% of its assets to equity underlying funds and 7.25% of its assets to fixed-income underlying funds.





idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext


TIAA-CREF Equity Index W 65.06TIAA-CREF International Eq Idx W 20.38TIAA-CREF Emerging Markets Eq Idx W 7.31TIAA-CREF Bond Index W 7.06.......................................................................................................Total Number of Holdings 5Annual Turnover Ratio % 5.00Total Fund Assets ($mil) 429.35




— 31 —






..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskTarget-Date 2060+ High Average

Out of 76 Target-Date 2060+ investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weightedaverage of its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks high total return over time through a combination of capital appreciation and income. The fund is a "fund of funds" that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products (collectively, the "underlying funds"). The adviser expects to allocate approximately 94.00% of the fund's assets to equity underlying funds and 6.00% of its assets to fixed-income underlying funds.





idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext


TIAA-CREF Equity Index W 65.81TIAA-CREF International Eq Idx W 20.66TIAA-CREF Emerging Markets Eq Idx W 7.40TIAA-CREF Bond Index W 5.79.......................................................................................................Total Number of Holdings 5Annual Turnover Ratio % 32.00Total Fund Assets ($mil) 103.47




TIAA-CREF Lifecycle Index Ret Inc Instl Release Date:09-30-2018

..........................................................................................................................................................................................................................................................................................................................................Morningstar Category Overall Morningstar Rating™ Morningstar Return Morningstar RiskTarget-Date Retirement High Average

Out of 164 Target-Date Retirement investments. An investment's overall Morningstar Rating, based on its risk-adjusted return, is a weightedaverage of its applicable 3-, 5-, and 10-year Ratings. See disclosure page for details.

Investment Strategy from investment's prospectus Portfolio AnalysisThe investment seeks high total return over time primarily through income, with a secondary emphasis on capital appreciation. The fund is a "fund of funds" that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products. It has a policy of investing at least 80% of its assets in underlying funds that are managed to seek investment returns that track particular market indices. The Adviser expects to allocate approximately 40.00% of its assets to equity underlying funds and 60.00% of its assets to fixed-income underlying funds.





idSmall

Value Blend Growth

HighM

edLow

Ltd Mod Ext


TIAA-CREF Bond Index W 39.97TIAA-CREF Equity Index W 28.04TIAA-CREF Short-Term Bond Index W 10.00TIAA-CREF Inflation Link Bd W 9.98TIAA-CREF International Eq Idx W 8.81.......................................................................................................Total Number of Holdings 7Annual Turnover Ratio % 26.00Total Fund Assets ($mil) 304.47




— 32 —

The Investment Profile is supplemental sales literature and mustbe preceded or accompanied by the fund's current prospectusas well as this disclosure statement. The performance datagiven represents past performance and should not beconsidered indicative of future results. Principal value andinvestment return will fluctuate, so that an investor's shareswhen redeemed may be worth more or less than the originalinvestment. Fund portfolio statistics change over time. The fundis not FDIC-insured, may lose value and is not guaranteed by abank or other financial institution.

Performance Total return reflects performance without adjusting for salescharges or the effects of taxation, but is adjusted to reflect allactual ongoing fund expenses and assumes reinvestment ofdividends and capital gains. If adjusted, sales charges wouldreduce the performance quoted. Standardized Total Return is total return adjusted for salescharges. NAV Return is based on net asset value for a fund. Net assetvalue is calculated by dividing the total net assets of the fundby the total number of shares. NAVs come directly from thefund company. ETF investors purchase shares on an exchangeat the market price, which may be different than the NAV. Market Return is the price at which an exchange-traded fund(ETF) may be bought or sold. The price listed may or may notbe the same as the fund's NAV. The fund's performance is compared with that of an index.The index is an unmanaged portfolio of specified securities andthe index does not reflect any initial or ongoing expenses. Theindex cannot be invested in directly. A fund's portfolio may differsignificantly from the securities in the index. The index is chosenby Morningstar.

Morningstar CategoryMorningstar Category is assigned by placing funds into peergroups based on their underlying holdings. The underlyingsecurities in each portfolio are the primary factor in our analysisas the investment objective and investment strategy stated ina fund’s prospectus may not be sufficiently detailed for ourproprietary classification methodology. Funds are placed in acategory based on their portfolio statistics and compositionsover the past three years. Analysis of performance and otherindicative facts are also considered. If the fund is new and hasno portfolio history, Morningstar estimates where it will fallbefore giving it a permanent category assignment. Categoriesmay be changed based on recent changes to the portfolio. Total Annual Operating Expense This is the percentage of fund assets paid for operatingexpenses and management fees. The expense ratio typicallyincludes the following types of fees: accounting, administrator,advisor, auditor, board of directors, custodial, distribution(12b-1), legal, organizational, professional, registration,shareholder reporting, sub-advisor, and transfer agency. Theexpense ratio does not reflect the fund's brokerage costs or anyinvestor sales charges. In contrast to the net expense ratio, thegross expense ratio does not reflect any fee waivers in effectduring the time period. Also known as the Prospectus Gross Expense Ratio,Morningstar pulls the prospectus gross expense ratio from thefund's most recent prospectus.

Expense Ratio %The expense ratio is the annual fee that all funds charge theirshareholders. It expresses the percentage of assets deductedeach fiscal year for fund expenses, including 12b-1 fees,

management fees, administrative fees, operating costs, and allother asset-based costs incurred by the fund. Portfoliotransaction fees, or brokerage costs, as well as front-end ordeferred sales charges are not included in the expense ratio.The expense ratio, which is deducted from the fund’s averagenet assets, is accrued on a daily basis. The gross expense ratio,in contrast to the net expense ratio, does not reflect any feewaivers in effect during the time period.

Sales Fees Also known as loads, sales fees list the maximum level of initial(front-end) and deferred (back-end) sales charges imposed bya fund. The scales of minimum and maximum charges are takenfrom a fund's prospectus. Because fees change frequently andare sometimes waived, it is wise to examine the fund'sprospectus carefully for specific information before investing.

12b1 Expense %A 12b-1 fee is a fee used to pay for a mutual fund’s distributioncosts. It is often used as a commission to brokers for selling thefund. The amount of the fee is taken from a fund’s returns. Maximum Redemption Fee %The Maximum Redemption Fee is the maximum amount a fundmay charge if redeemed in a specific time period after the fund’spurchase (for example, 30, 180, or 365 days). Asset Allocation Asset Allocation reflects asset class weightings of the portfolio.The “Other” category includes security types that are not neatlyclassified in the other asset classes, such as convertible bondsand preferred stocks, or cannot be classified by Morningstar asa result of missing data. Morningstar may display assetallocation data in several ways, including tables or pie charts.In addition, Morningstar may compare the asset classbreakdown of the fund against its three-year average, categoryaverage, and/or index proxy. Asset allocations shown in tables may include a breakdownamong the long, short, and net (long positions net of short)positions. These statistics summarize what the fund’smanagers are buying and how they are positioning the fund’sportfolio. When short positions are captured in these portfoliostatistics, investors get a more robust description of the fund’sexposure and risk. Long positions involve buying the securityoutright and selling it later, with the hope the security’s pricerises over time. Short positions are taken with the hope ofbenefitting from anticipated price declines. The investorborrows the security from another investor, sells it and receivescash, and then is obligated to buy it back at some point in thefuture. If the price falls after the short sale, the investor will havesold high and can buy low to close the short position and lockin a profit. However, if the price of the security increases afterthe short sale, the investor will experience a loss buying it at ahigher price than the sale price. Most fund portfolios hold fairly conventional securities, suchas long positions in equities and bonds. Morningstar maygenerate a colored pie chart for these portfolios. Other portfoliosuse other investment strategies or securities, such as shortpositions or derivatives, in an attempt to reduce transactioncosts, enhance returns, or reduce risk. Some of these securitiesand strategies behave like conventional securities, while otherhave unique return and risk characteristics. Portfolios thatincorporate investment strategies resulting in short positions orportfolio with relatively exotic derivative positions often reportdata to Morningstar that does not meet the parameters of thecalculation underlying a pie chart’s generation. Because of thenature of how these securities are reported to Morningstar, we

may not always get complete portfolio information to reportasset allocation. Morningstar, at its discretion, may determineif unidentified characteristics of fund holdings are material.Asset allocation and other breakdowns may be rescaledaccordingly so that percentages total to 100 percent.(Morningstar used discretion to determine if unidentifiedcharacteristics of fund holdings are material, pie charts andother breakdowns may rescale identified characteristics to100% for more intuitive presentation.) Note that all other portfolio statistics presented in this reportare based on the long (or long rescaled) holdings of the fundonly. Sector WeightingsSuper Sectors represent Morningstar's broadest classificationof equity sectors by assigning the 11 equity sectors into threeclassifications. The Cyclical Super Sector includes industriessignificantly impacted by economic shifts, and the stocksincluded in these sectors generally have betas greater than 1.The Defensive Super Sector generally includes industries thatare relatively immune to economic cycles, and the stocks inthese industries generally have betas less than 1. The SensitiveSuper Sector includes industries that ebb and flow with theoverall economy, but not severely so. Stocks in the SensitiveSuper Sector generally have betas that are close to 1. Morningstar Rating™ The Morningstar Rating™ for funds, or "star rating", iscalculated for managed products (including mutual funds,variable annuity and variable life subaccounts, exchange-tradedfunds, closed-end funds, and separate accounts) with at leasta three-year history. Exchange-traded funds and open-endedmutual funds are considered a single population for comparativepurposes. It is calculated based on a Morningstar Risk-AdjustedReturn measure that accounts for variation in a managedproduct's monthly excess performance, placing more emphasison downward variations and rewarding consistentperformance. The Morningstar Rating does not include anyadjustment for sales loads. The top 10% of products in eachproduct category receive 5 stars, the next 22.5% receive 4stars, the next 35% receive 3 stars, the next 22.5% receive 2stars, and the bottom 10% receive 1 star. The OverallMorningstar Rating for a managed product is derived from aweighted average of the performance figures associated withits three-, five-, and 10-year (if applicable) Morningstar Ratingmetrics. The weights are: 100% three-year rating for 36-59months of total returns, 60% five-year rating/40% three-yearrating for 60-119 months of total returns, and 50% 10-yearrating/30% five-year rating/20% three-year rating for 120 ormore months of total returns. While the 10-year overall starrating formula seems to give the most weight to the 10-yearperiod, the most recent three-year period actually has thegreatest impact because it is included in all three ratingperiods. For private funds, the Morningstar Rating presented ishypothetical, because Morningstar does not independentlyanalyze private funds. Rather, the rating is assigned as a meansto compare these funds with the universe of mutual funds thatMorningstar rates. The evaluation of this investment does notaffect the retail mutual fund data published by Morningstar.

Morningstar Return The Morningstar Return rates a fund’s performance relative toother managed products in its Morningstar Category. It is anassessment of a product's excess return over a risk-free rate(the return of the 90-day Treasury Bill) in comparison with theproducts in its Morningstar category. In each Morningstar

Important Disclosures

©2018 Morningstar, Inc., Morningstar® Investment Profiles™ 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or itscontent providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsiblefor any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at www.morningstar.com. ß

®

— 33 —

category, the top 10% of products earn a High MorningstarReturn (High), the next 22.5% Above Average (+Avg), themiddle 35% Average (Avg), the next 22.5% Below Average (-Ave), and the bottom 10% Low (Low). Morningstar Return ismeasured for up to three time periods (three, five, and 10years). These separate measures are then weighted andaveraged to produce an overall measure for the product. Products with less than three years of performance history arenot rated.

Morningstar Risk Morningstar Risk evaluates a fund’s downside volatility relativeto that of other products in its Morningstar Category. It is anassessment of the variations in monthly returns, with anemphasis on downside variations, in comparison with theproducts in its Morningstar category. In each Morningstarcategory, the 10% of products with the lowest measured riskare described as Low Risk (Low), the next 22.5% BelowAverage (-Avg), the middle 35% Average (Avg), the next 22.5%Above Average (+Avg), and the top 10% High (High). Morningstar Risk is measured for up to three time periods(three, five, and 10 years). These separate measures are thenweighted and averaged to produce an overall measure for theproduct. Products with less than three years of performancehistory are not rated.

Morningstar Style Box™ The Morningstar Style Box reveals a fund's investment strategyas of the date noted on this report. For equity funds the vertical axis shows the marketcapitalization of the long stocks owned and the horizontal axisshows investment style (value, blend, or growth). For fixed-income funds, the vertical axis shows the creditquality of the long bonds owned and the horizontal axis showsinterest rate sensitivity as measured by a bond's effectiveduration. Morningstar seeks credit rating information from fundcompanies on a periodic basis (e.g., quarterly). In compilingcredit rating information, Morningstar instructs fund companiesto only use ratings that have been assigned by a NationallyRecognized Statistical Rating Organization (NRSRO). If twoNRSROs have rated a security, fund companies are to reportthe lowest rating; if three or more NRSROs have rated the samesecurity differently, fund companies are to report the rating thatis in the middle. For example, if NRSRO X rates a security AA-,NRSRO Y rates the same security an A and NRSRO Z rates it aBBB+, the fund company should use the credit rating of 'A' inits reporting to Morningstar. PLEASE NOTE: Morningstar, Inc.is not itself an NRSRO nor does it issue a credit rating on thefund. An NRSRO rating on a fixed-income security can changefrom time-to-time. For credit quality, Morningstar combines the credit ratinginformation provided by the fund companies with an averagedefault rate calculation to come up with a weighted-averagecredit quality. The weighted-average credit quality is currentlya letter that roughly corresponds to the scale used by a leadingNRSRO. Bond funds are assigned a style box placement of"low", "medium", or "high" based on their average credit quality.Funds with a low credit quality are those whose weighted-average credit quality is determined to be less than "BBB-";medium are those less than "AA-", but greater or equal to"BBB-"; and high are those with a weighted-average creditquality of "AA-" or higher. When classifying a bond portfolio,Morningstar first maps the NRSRO credit ratings of theunderlying holdings to their respective default rates (asdetermined by Morningstar's analysis of actual historical defaultrates). Morningstar then averages these default rates to

determine the average default rate for the entire bond fund.Finally, Morningstar maps this average default rate to itscorresponding credit rating along a convex curve. For interest-rate sensitivity, Morningstar obtains from fundcompanies the average effective duration. Generally,Morningstar classifies a fixed-income fund's interest-ratesensitivity based on the effective duration of the MorningstarCore Bond Index (MCBI), which is currently three years. Theclassification of Limited will be assigned to those funds whoseaverage effective duration is between 25% to 75% of MCBI'saverage effective duration; funds whose average effectiveduration is between 75% to 125% of the MCBI will be classifiedas Moderate; and those that are at 125% or greater of theaverage effective duration of the MCBI will be classified asExtensive. For municipal bond funds, Morningstar also obtains from fundcompanies the average effective duration. In these cases staticbreakpoints are utilized. These breakpoints are as follows: (i)Limited: 4.5 years or less; (ii) Moderate: more than 4.5 yearsbut less than 7 years; and (iii) Extensive: more than 7 years. Inaddition, for non-US taxable and non-US domiciled fixed incomefunds static duration breakpoints are used: (i) Limited: less thanor equal to 3.5 years; (ii) Moderate: greater than 3.5 and lessthan equal to 6 years; (iii) Extensive: greater than 6 years.

Principal Risks The specific risks associated with investing in this fund. Pleasesee the Risk Definitions document for more information on eachtype of risk.

Investment Risk Foreign Securities Funds/Emerging Markets Funds: Theinvestor should note that funds that invest in foreign securitiesinvolve special additional risks. These risks include, but are notlimited to, currency risk, political risk, and risk associated withvarying accounting standards. Investing in emerging marketsmay accentuate these risks. Specialty/Sector Funds: The investor should note that fundsthat invest exclusively in one sector or industry involveadditional risks. The lack of industry diversification subjects theinvestor to increased industry-specific risks. Non-Diversified Funds: The investor should note that fundsthat invest more of their assets in a single issuer involveadditional risks, including share price fluctuations, because ofthe increased concentration of investments. Small Cap Funds: The investor should note that funds thatinvest in stocks of small companies involve additional risks.Smaller companies typically have a higher risk of failure, andare not as well established as larger blue-chip companies.Historically, smaller-company stocks have experienced agreater degree of market volatility than the overall marketaverage. Mid Cap Funds: The investor should note that funds thatinvest in companies with market capitalizations below $10billion involve additional risks. The securities of thesecompanies may be more volatile and less liquid than thesecurities of larger companies. High-Yield Bond Funds: The investor should note that fundsthat invest in lower-rated debt securities (commonly referredto as junk bonds) involve additional risks because of the lowercredit quality of the securities in the portfolio. The investorshould be aware of the possible higher level of volatility, andincreased risk of default. Tax-Free Municipal Bond Funds: The investor should note thatthe income from tax-free municipal bond funds may be subjectto state and local taxation and the Alternative Minimum Tax.

Important Disclosures

©2018 Morningstar, Inc., Morningstar® Investment Profiles™ 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or itscontent providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither Morningstar nor its content providers are responsiblefor any damages or losses arising from any use of information. Past performance is no guarantee of future performance. Visit our investment website at www.morningstar.com. ß

®

— 34 —

Participant Enrollment Form

R-20087 6/17/13 R-20087 4/1/15

Products and financial services provided byamerican united life insurance company®a OneAmerica® companyOne American Square, P.O. Box 6011Indianapolis, IN 46206-60111-800-249-6269

Products and financial services provided byAmerican United Life Insurance Company®

a OneAmer ica® companyOne American Square, P.O. Box 6011Indianapolis, IN 46206-60111-800-249-6269

Participant Enrollment Form

Plan Information

Plan Number Division

Plan Name

Participant Information

First Name M.I. Last Name

M FSocial Security (or Taxpayer ID) Number n Date of Birth

Street Address

Street Address

City State Zip Code

Work PersonalTelephone Number (including area code) E-mail Address

Participant Election

Employment Information

To be completed by the Employer for Employer Sponsored Plans or by the Participant for Voluntary 403(b), 457(b), orIRA plans.

Date of Hire

der Ge

Date of Rehire

G62205

Lutheran Senior Services Retirement Match Plan

[ ] I authorize my employer to reduce my compensation by _____% or $_____ as a pre-tax deferral to the Plan.

[ ] I authorize my employer to reduce my compensation by _____% or $_____ as a Roth after-tax deferral to

the Plan.

[ ] I elect NOT to make contributions. I understand that I may be entitled to employer contributions or forfeiture

reallocations, if applicable, as permitted by the Plan.

NOTE: Your Plan contains an automatic enrollment feature. You can opt out of being automatically enrolled in the

plan by electing not to make contributions or electing to make contributions at a different limit or by selecting

different investments to invest in on the “Investment Option Election Form” (R-20089).

Page 1 of 2

R-20087 6/17/13 R-20087 4/1/15

Information for Participant

1. The election made in the “Participant Election” section of this form applies until changed by you. Elections can

be changed by logging into your secure account at www.oneamerica.com or by contacting your plan

representative. The effective date of your election will be determined by your employer and is dependent upon

Plan document provisions.

2. If allowed and if you are eligible to make catch-up contributions, any of your elective deferrals that exceed

either the elective deferral dollar limit (the Internal Revenue Code (Code) section 402(g) limit), the annual

additions limit (the Code section 415 limit), the plan's deferral limit, or the Actual Deferral Percentage (ADP) limit

shall be treated as catch-up contributions, up to the applicable catch-up contributions limit for the calendar year.

3. For any calendar year that you make elective deferrals to a retirement plan sponsored by an unrelated employer

as well as to this Plan, you are responsible for determining if you have exceeded the Code section 402(g) limit in

effect for such taxable (calendar) year.

4. Contributions received on your behalf will be directed based on elections selected by you, if your employer is

not directing the investment of your contributions, by logging into your secure account

at www.oneamerica.com, by completing an “Investment Option Election Form” (R-20089), or by calling

1-800-249-6269.

5. If you do not select investment options through one of the means mentioned above, if your employer is not

directing the investment of your contributions, contributions received on your behalf will be directed to the

applicable default investment option. It is your responsibility to log into your secure account

at www.oneamerica.com or to call 1-800-249-6269 to transfer contributions to other available

investment options.

Additional plan-specific provisions or limitations may apply. Please refer to your summary plan description (SPD)

or contact your plan representative for assistance.

Participant Acknowledgement and Signature

I confirm receipt of a current Prospectus for the AUL American Unit Trust (which includes a Statement of Additional

Information) and additional mutual fund prospectuses, either by receipt of a CD-ROM, by receipt of paper versions

(available by calling 1-800-249-6269) or by accessing online versions (available

at www.oneamerica.com/prospectuses.)

I understand that (1) if I am a participant in a 403(b) or a 457 plan that restrictions on distributions may apply as set

forth in Section 403(b)(11) or Section 457 of the Internal Revenue Code; (2) I have a duty to review my pay records

(pay stub, etc.) to confirm that my election is implemented by my employer as requested under the “Participant

Election” section of this form.

I also understand that (1) tax-qualified retirement plans from American United Life Insurance Company® (AUL) are

funded by an AUL group annuity contract; (2) while a participant in an annuity contract may benefit from additional

investment and annuity-related benefits under the annuity contract, any tax deferral is provided by the Plan and not

the annuity contract; and (3) this material must be preceded by or accompanied by the “State Specific Fraud

Warning Notices for Retirement Services” (R-20402) form.

Under penalties of perjury, by signing the below, I hereby certify (1) that the Social Security (or Taxpayer ID)

Number provided under the “Participant Information” section of this form is correct; and (2) that I am not subject

to backup withholding because (a) I have not been notified that I am subject to backup withholding as a result of a

failure to report interest and dividends, or (b) the Internal Revenue Service (IRS) has notified me that I am no longer

subject to backup withholding.

NOTE: The IRS does not require your consent to any portions of this document other than certifications required

to avoid backup withholding.

Do you own existing in-force life insurance or annuities? [ ] Yes [ ] No

Does this annuity replace, discontinue or change any existing insurance or an annuity? [ ] Yes [ ] No

R-20087 6/17/13 Page 2 of 2 R-20087 6/17/13


1. The election made in the “Participant Election” section of this form applies until changed by you. Elections canbe changed by logging into your secure account at [www.accountservices.aul.com] or by contacting your planrepresentative. The effective date of your election will be determined by your employer and is dependent upon Plandocument provisions.

2. If allowed and if you are eligible to make catch-up contributions, any of your elective deferrals that exceed eitherthe elective deferral dollar limit (the Internal Revenue Code (Code) section 402(g) limit), the annual additions limit(the Code section 415 limit), the plan's deferral limit, or the Actual Deferral Percentage (ADP) limit shall be treated ascatch-up contributions, up to the applicable catch-up contributions limit for the calendar year.

3. For any calendar year that you make elective deferrals to a retirement plan sponsored by an unrelated employer aswell as to this Plan, you are responsible for determining if you have exceeded the Code section 402(g) limit in effectfor such taxable (calendar) year.

4. Contributions received on your behalf will be directed based on elections selected by you, if your employer isnot directing the investment of your contributions, by logging into your secure account at[www.accountservices.aul.com], by completing an “Investment Option Election Form” (R-20089), or bycalling [1-800-249-6269].

5. If you do not select investment options through one of the means mentioned above, if your employer is not directingthe investment of your contributions, contributions received on your behalf will be directed to the applicable defaultinvestment option. It is your responsibility to log into your secure account at [www.accountservices.aul.com] or tocall [1-800-249-6269] to transfer contributions to other available investment options.

Additional plan-specific provisions or limitations may apply. Please refer to your summary plan description (SPD) orcontact your plan representative for assistance.


[I confirm receipt of a current electronic prospectus, which includes a Statement of Additional Information, andacknowledge that I have access to a CD-ROM drive in order to view the prospectus. I understand that if I need or prefer toreceive paper prospectuses, that I can request paper prospectuses by calling [1-800-249-6269]. I also understand thatrestrictions on distributions may apply as set forth in Section 403(b)(11) or Section 457 of the Internal Revenue Code.]

Under penalties of perjury, by signing below, I hereby certify (1) that the Social Security (or Taxpayer ID) Number providedunder the “Participant Information” section of this form is correct; and (2) that I am not subject to backup withholdingbecause (a) I have not been notified that I am subject to backup withholding as a result of a failure to report interest anddividends, or (b) the Internal Revenue Service (IRS) has notified me that I am no longer subject to backup withholding.

I understand that (1) tax-qualified retirement plans from American United Life Insurance Company® (AUL) are funded byan AUL group annuity contract; (2) while a participant in an annuity contract may benefit from additional investment andannuity-related benefits under the annuity contract, any tax deferral is provided by the Plan and not the annuity contract;and (3) this material must be proceeded by or accompanied by the “State Specific Fraud Warning Notices forRetirement Services” (R-20402) form.

The IRS does not require your consent to any portions of this document other than certifications required to avoidbackup withholding.

Participants in voluntary plans and/or residents of the state of Florida, does this annuity replace existing insurance or anannuity? Yes No If Yes, submit any required replacement forms.

Participant Signature Date

[ Broker/Dealer Authorization Date

Print Producer/Broker Dealer Name Producer/Broker Dealer Signature Date]

(if applicable) AUL Producer/Broker Dealer # (if applicable) Florida Producer/Dealer License #

(if applicable) OneAmerica Securities, Inc. Broker/Dealer Firm: Please send this signed completed form and theNew Account Form (10-14719) to OneAmerica Securities, Inc.

Please make a copy of this form for your records and return the original to your plan representative.

(if applicable) OneAmerica Securities, Inc. Broker/Dealer Firm: Please send this signed completed form and the

New Account Form (I-23383) to OneAmerica Securities, Inc.

Please make a copy of this form for your records and return the original to your plan representative.

Page 2 of 2

Investment Option Election Form

R-20089

Plan Information

Plan Number Division

Plan Name

Participant Information

First Name M.I. Last Name

Social Security (or Taxpayer ID) Number

Inve

8/27/14


a OneAmerica® companyOne American Square, P.O. Box 6011Indianapolis, IN 46206-60111-800-249-6269

G62205

Lutheran Senior Services Retirement Match Plan

Investment ElectionsInvestment Name Internal ID Investment Type Initial Elections

AUL Fixed Account FIXD Fixed Int/Stable Val %

PGIM Total Return Bond R6 CFRK Int Term Bond %

AmerFds Washington Mutual R6 CFJW Large Cap Value %

Vanguard 500 Index Adm CFVW Large Cap Blend %

AmerFds Grth Fd of America R6 CFJV Large Cap Growth %

JPMorgan Mid Cap Value R6 CG3M Mid Cap Blend %

TRowePrice MidCap Grth I CFRY Mid Cap Growth %

AmBeacon Sm Cap Val R6 CH4N Small Cap Value %

Vanguard SmCap Grth Idx Adm CFW9 Small Cap Growth %

Vanguard Emrg Mkts Stk Idx Adm CFV3 Diversified Emerg Mkt %

AmerFds EuroPac Grth R6 CFJM Foreign Growth %

Vanguard REIT Index Adm CFW4 Specialty %

TIAA-CREF Lifecycle Idx 2010 I CFT4 Mgd Asset Allocation %




TIAA-CREF Lifecycle Idx 2030 I CFVG Mgd Asset Allocation %

TIAA-CREF Lifecycle Idx 2035 I CFVH Mgd Asset Allocation %

TIAA-CREF Lifecycle Idx 2040 I CFVJ Mgd Asset Allocation %

TIAA-CREF Lifecycle Idx 2045 I CFVK Mgd Asset Allocation %

TIAA-CREF Lifecycle Idx 2050 I CFVM Mgd Asset Allocation %

TIAA-CREF Lifecycle Idx 2055 I CFVN Mgd Asset Allocation %

TIAA-CREF Lifecycle Idx 2060 I CFVP Mgd Asset Allocation %

TIAA-CREF Lifecycle Idx Inc I CFVR Mgd Asset Allocation %

TOTAL 100%

Enter whole percentages only. Elections must total 100%.


1. Investment elections will take effect when this form is processed by the record keeper. Contributions received

after the date this form is processed will be invested according to your elections, if your employer is not

Page 1 of 2

R-20089

8/27/14

directing the investment of your contributions, until changed by you. Contributions received prior to the date

this form is processed will be invested according to elections already on file, if applicable, or will be directed to

the applicable default investment option. It is your responsibility to log into your secure account

at www.oneamerica.com or to call 1-800-249-6269 to transfer contributions to other available investment

options.

2. If you do not complete the “Investment Elections” section of this form, if your employer is not directing the

investments of your contributions, contributions received on your behalf will be directed to the applicable

default investment option. It is your responsibility to log into your secure account at www.oneamerica.com or

to call 1-800-249-6269 to transfer contributions to other available investment options.

3. All or part of your account value may be transferred between available investment options at any time during

the accumulation period, subject to the following:

a. Only one transfer may be made per day.

b. You may be limited to the number of investments selected in a single transfer request.

c. Your reallocated investment total must equal the current investment total.

d. The investment return and principal value of the investment accounts will fluctuate, so that when redeemed,

units may be worth more or less than the original cost.

4. Contributions, other than those directed to the AUL general account (fixed interest investment option), will be

credited to the AUL separate account, which is divided into variable investment accounts. Each variable

investment account invests exclusively in shares of a specific mutual fund, mutual fund portfolio, or other entity

in which it is authorized to invest. Due to the fluctuation in value of the assets underlying the AUL separate

account, the value of variable investment account units credited to the contractholder or the participant will also

fluctuate, so that units may be worth more or less than the original cost when redeemed.

5. The following transfer restriction will apply to monies in the Fixed Interest Account (FIA):

One hundred percent (100%) may be transferred from the Fixed Interest Account (FIA) at any time. However,

once a transfer has been made from the FIA, transfers back into the FIA are allowed only after 90 days have

elapsed since your last transfer from the FIA.

Additional plan-specific provisions or limitations may apply. Please refer to your summary plan description (SPD)

or contact your plan representative for assistance.


This section must be completed if not attached to the Participant Enrollment Form.

I confirm receipt of a current Prospectus for the AUL American Unit Trust (which includes a Statement of Additional

Information) and additional mutual fund prospectuses, either by receipt of a CD-ROM, by receipt of paper versions

(available by calling 1-800-249-6269) or by accessing online versions (available at

www.oneamerica.com/prospectuses.)

I understand that (1) if I am a participant in a 403(b) or a 457 plan that restrictions on distributions may apply as set

forth in Section 403(b)(11) or Section 457 of the Internal Revenue Code; (2) this material must be preceded by or

accompanied by the “State Specific Fraud Warning Notices for Retirement Services” (R-20402) form.

Under penalties of perjury, by signing the below, I hereby certify (1) that the Social Security (or Taxpayer ID)

Number above is correct; and (2) that I am not subject to backup withholding because (a) I have not been notified

that I am subject to backup withholding as a result of a failure to report interest and dividends, or (b) the Internal

Revenue Service (IRS) has notified me that I am no longer subject to backup withholding.

NOTE: The IRS does not require your consent to any portions of this document other than certifications required

to avoid backup withholding.

Page 2 of 2 R-20089 4/23/13

Information for Participant 1. Investment elections will take effect when this form is processed by the record keeper. Contributions received after

the date this form is processed will be invested according to your elections, if your employer is not directing theinvestment of your contributions, until changed by you. Contributions received prior to the date this form isprocessed will be invested according to elections already on file, if applicable, or will be directed to the applicabledefault investment option. It is your responsibility to log into your secure account at [www.accountservices.aul.com]or to call [1-800-249-6269] to transfer contributions to other available investment options.

2. If you do not complete the “Investment Elections” section of this form, if your employer is not directing theinvestment of your contributions, contributions received on your behalf will be directed to the applicable defaultinvestment option. It is your responsibility to log into your secure account at [www.accountservices.aul.com] or tocall [1-800-249-6269] to transfer contributions to other available investment options.

3. All or part of your account value may be transferred between available investment options at any time during theaccumulation period, subject to the following:

a. Only one transfer may be made per day. b. You may be limited to the number of investments selected in a single transfer request. c. Your reallocated investment total must equal the current investment total. d. The investment return and principal value of the investment accounts will fluctuate, so that when redeemed, units

may be worth more or less than the original cost. 4. Contributions, other than those directed to the AUL Fixed Interest Account, the Liquid Interest Fund, Guaranteed

Interest Fund or the AUL Stable Value Account, will be allocated to the variable account of the AUL American UnitTrust. The variable account is divided into investment accounts. Each investment account invests exclusively in sharesof a specific mutual fund, a mutual fund portfolio or a pooled separate account. The investment return and principalvalue of the investment accounts will fluctuate, so that when redeemed, units may be worth more or less than theoriginal cost.

[5. The following transfer restriction will apply to monies in the Fixed Interest Account (FIA): [If you have $2,500 or more in the Fixed Interest Account (FIA) at the beginning of the contract year, up to twenty

percent (20%) of that amount may be transferred during the contract year. Or, if you have less than $2,500 in the FIAat the beginning of the contract year, you may transfer any amount from the FIA during that contract year.

• Participants in retirement plans with a $500 minimum transfer rule for moving amounts out of fixed interestaccounts (Fixed Interest Account and Interest Fund) will no longer have restrictions on balances below $2,500.The maximum transfer rule of 20 percent per year for account balances of $2,500 and over will still apply.

• For example: If you had a fixed interest account with a balance of $2,300 on January 1, 2013, prior to this change,you would be able to transfer only $500 of this account during the contract year. With this change in transferrestrictions, the entire account balance of $2,300 may be transferred without restrictions or penalty.(Note: for those accounts with a balance of $2,500 or more, the current rule of 20 percent per contract yearremains in effect.)]

[One hundred percent (100%) may be transferred from the Fixed Interest Account (FIA) at any time. However, once atransfer has been made from your FIA, transfers back into the FIA are allowed only after 90 days have elapsed sinceyour last transfer from the FIA.]

[Your Plan does not contain a Fixed Interest Account (FIA) restriction.]]

Additional plan-specific provisions or limitations may apply. Please refer to your summary plan description (SPD)or contact your plan representative for assistance.

Participant Acknowledgement and Signature[I confirm receipt of a current electronic prospectus, which includes a Statement of Additional Information, andacknowledge that I have access to a CD-ROM drive in order to view the prospectus. I understand that if I needor prefer to receive paper prospectuses, that I can request paper prospectuses by calling [1-800-249-6269]. I alsounderstand that restrictions on distributions may apply as set forth in Section 403(b)(11) or Section 457 of theInternal Revenue Code.]

Under penalties of perjury, by signing below, I hereby certify (1) that the Social Security (or Taxpayer ID) Numberabove is correct; and (2) that I am not subject to backup withholding because (a) I have not been notified that I amsubject to backup withholding as a result of a failure to report interest and dividends, or (b) the Internal RevenueService (IRS) has notified me that I am no longer subject to backup withholding, and that I received a copy of theState Specific Fraud Warning Notices for Retirement Services (R-20402).

The IRS does not require your consent to any portions of this document other than certifications required to avoidbackup withholding.

Participant Signature Date

Please make a copy of this form for your records and return the original to your plan representative.Please make a copy of this form for your records and return the original to your plan representative.

Page 2 of 2


a OneAmerica® companyOne American Square, P.O. Box 368Indianapolis, IN 46206-0368(317) 285-1877

State Specific Fraud Warning Noticesfor Retirement ServicesContract Applications

R-20402 6/17/13 R-20402 2/27/15

All States Not Listed Below: Any person who knowingly presents a false or fraudulent claim for payment of aloss or benefit or knowingly presents false information in an application for insurance is guilty of a crime andmay be subject to civil fines and criminal penalties.

Alabama: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit orwho knowingly presents false information in an application for insurance is guilty of a crime and may be subjectto restitution fines or confinement in prison, or any combination thereof.

Colorado: It is unlawful to knowingly provide false, incomplete or misleading facts or information to aninsurance company for the purpose of defrauding or attempting to defraud the company. Penalties may includeimprisonment or fines, denial of insurance and civil damages. Any insurance company or representative of aninsurance company who knowingly provides false, incomplete or misleading facts or information to apolicyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant withregard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division ofInsurance within the department of regulatory agencies.

Florida: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement ofclaim or an application containing any false, incomplete, or misleading information is guilty of a felony of thethird degree.

Georgia, Oregon, Vermont: Any person who knowingly presents a false or fraudulent claim for payment of aloss or benefit or knowingly presents false information in an application for insurance may be guilty of a crimeand may be subject to civil fines and criminal penalties.

Kentucky: Any person who knowingly and with intent to defraud any insurance company or other person filesan application for insurance containing any materially false information or conceals, for the purpose ofmisleading, information concerning any fact material thereto commits a fraudulent insurance act, which is acrime.

Maine, Tennessee, Washington: It is a crime to knowingly provide false, incomplete or misleading information toan insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and adenial of insurance benefits.

Maryland: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss orbenefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crimeand may be subject to fines and imprisonment.

New Jersey: Any person who includes any false or misleading information on an application for an insurancepolicy is subject to criminal and civil penalties.

New Mexico: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit orknowingly presents false information in an application for insurance is guilty of a crime and may be subject to civilfines and criminal penalties.

Ohio: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer,submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

Oklahoma: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer,makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleadinginformation is guilty of a felony.

Pennsylvania: Any person who knowingly and with intent to defraud any insurance company or other personfiles an application for insurance or statement of claim containing any materially false information or concealsfor the purpose of misleading, information concerning any fact material thereto commits a fraudulent insuranceact, which is a crime and subjects such person to criminal and civil penalties.

Virginia: Any person who, with the intent to defraud or knowing that he is facilitating a fraud against an insurer,submits an application or files a claim containing a false or deceptive statement may have violated the state law.

Sterling Capital Total Return Bond I BIBTX Release Date03-31-2013

....................................................................................................................................................................................................................................................................................................................................................Morningstar CategoryIntermediate-Term Bond

Overall Morningstar Rating™ Morningstar Return Morningstar RiskQQQQ Above Average AverageOut of 1004 Intermediate-Term Bond funds. An investment's overall Morningstar Rating, based on itsrisk-adjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure fordetails.

Investment Objective & StrategyFrom investment's prospectus

The investment seeks a high level of current income and acompetitive total return.

The fund normally invests at least 80% of its net assetsplus borrowings for investment purposes in a diversifiedportfolio of bonds, including: securities issued or guaranteedby the U.S. government, its agencies or instrumentalities,corporate bonds, asset-backed securities, mortgage-backedsecurities, including commercial mortgage-backed securitiesand collateralized mortgage obligations, municipal securities,and convertible securities. It will invest the portion of itsassets invested in corporate bonds primarily in investmentgrade.



Portfolio AnalysisComposition as of 02-28-13 % Assets

U.S. Stocks 0.0Non-U.S. Stocks 0.0Bonds 95.2Cash 2.3Other 2.5

Morningstar Fixed Income Style Box ™ as of 12-31-12

HighM

edLow

Ltd Mod Ext

Avg Eff Duration 4.88Avg Eff Maturity 7.17Avg Wtd Coupon 4.72Avg Wtd Price 109.49


Fannie Mae Single Family TBA 2.5% 2028 03-01-28 2.82Federated Treasury Obligs Instl 03-01-13 2.11Avis Budget Rental Fdg 2012-3 2.1% 03-20-19 1.51FHLMC 3.5% 04-01-32 1.33FNMA 4% 01-01-42 1.29

...........................................................................................................Total Number of Stock Holdings 0Total Number of Bond Holdings 315Annual Turnover Ratio % 110.82Total Fund Assets ($mil) 539.58

Credit Analysis: % Bonds as of 12-31-12

AAA 48 BB 4AA 12 B 4A 11 Below B 1BBB 20 Not Rated 1

Risk Measures as of 03-31-13 Port Avg Rel LB Aggr Rel Cat

3 Yr Std Dev 2.56 1.06 0.943 Yr Beta 0.89 . 1.113 Yr Alpha 1.22 . 0.72

Operations

Fund Inception Date 12-01-99Portfolio Manager Mark M. Montgomery

Management Company Sterling Capital Management LLCWeb Site www.sterlingcapitalfunds.com

Page 1 of 4 P-13353 4/8/13


a OneAmerica® companyOne American Square, P.O. Box 6011Indianapolis, IN 46206-60111-800-249-6269

Participant Beneficiary Designation Form

(For plans offering QualifiedPre-Retirement Survivor Annuities)

1. Complete the “Participant Marital Status” section of this form.2. To elect that a pre-retirement benefit be distributed in a form other than a life annuity, complete the “Election of

Pre-Retirement Death Benefit” section of this form.3. To designate a Beneficiary or Beneficiaries, complete the “Beneficiary Designation” section of this form.4. Read, then complete the “Participant Signature” section of this form.5. If you are married and have met any of the requirements necessary for spousal consent, have your spouse read,

then complete the “Spousal Authorization” section of this form.6. Keep a copy of the completed form with your other important records and return the original to your plan

representative.

Instructions for the Plan Participant

Trust InformationIf your Beneficiary is a trust, there shall be no obligation to inquire into the terms of the trust, and payment of theproceeds as provided in the designation will be a full discharge from all liability. If, before payment of theproceeds is made, satisfactory proof is presented that the trust has been revoked or is not in effect at your death,the proceeds shall be paid to the next class of Beneficiary or to your estate if there is no such Beneficiary. If thetrust has been created by a will but fails to come into existence for any reason, the proceeds shall be paid to thenext class of Beneficiary or to your estate if there is no such Beneficiary.Community Property Information(Only applicable to plans not subject to the Employee Retirement Income Security Act (ERISA) of 1974 and in thestates of Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington andWisconsin. This is also applicable in Alaska if you and your spouse agree to make it community property througha community property agreement or a community property trust.)If there has been no previous written notice of community property interest and the space for the consent of yourspouse is not completed, then anyone acting on the information contained herein shall be entitled to rely onhis/her good faith belief that no such interest exists.This good faith reliance shall apply to any payment to a named Beneficiary even though:1. You have not obtained the consent of a former spouse having a community interest; or,2. You and your spouse subsequently divorce; or,3. Your spouse dies after the date of execution of this designation; or,4. You and your spouse subsequently sever your interest in the community.Qualified Pre-Retirement Survivor Annuity (QPSA) InformationThis form assumes that your plan provides for a QPSA of 100% of your vested account balance at death. Plandocuments may differ in their provisions concerning such items as revocability of spousal consent, the minimumpercentage for a QPSA, and other significant matters. Contact your plan representative if you have questionsabout your plan document or provisions specific to your plan.Many plan documents provide that if you do not waive the QPSA benefit then your spouse has the option tochoose the QPSA or another form of available distribution under the plan. Contact your plan representative if youhave questions about your plan document or provisions specific to your plan.Your plan provides that a Qualified Pre-Retirement Survivor Annuity (QPSA) be paid to your spouse in the eventthat your death occurs before the benefit under the plan becomes payable. A portion of the value of your vestedaccount balance at death (between 50% and 100%, according to your plan) is used to provide a monthly paymentto your spouse for life. This form of benefit is a “life annuity.”You may elect a form of distribution other than a QPSA if your plan allows. In order for such an election to beeffective, it must be in writing and must include the consent of your spouse, witnessed by a plan representativeor a Notary Public.The plan may provide that any such election may be revoked at any time, thereby reinstating the QPSA. You maychoose to decline the automatic QPSA, but only under certain circumstances, as described below. The periodduring which you may elect to decline the automatic QPSA starts on the latest of:1. The first day of the plan year in which you attain age 35, or2. The date on which you first become a participant, or3. The date on which you are married.

Information for Plan Participant

Your election period ends at the earlier of:1. Your death, or2. Your annuity starting date.However, if you separate from service of the plan sponsor prior to attaining age 35, the election period begins onyour separation from service.Note: If you are under age 35, you also may elect (with appropriate written spousal consent) to decline theautomatic QPSA. This election expires at the beginning of the plan year in which you attain age 35, unless youthen renew the election and the spousal consent. If you are under age 35 and you want to make this election,you must:1. Notify the plan representative,2. Secure written spousal consent, and3. During the plan year in which you attain age 34, if you wish to renew your election so that it extends beyond the

first day of the plan year in which you attain age 35, you will need to complete this form again.Financial Effect of a Married Participant’s Election to Waive QPSAIf you are married and do not waive the QPSA, the plan will pay your surviving spouse the QPSA. The QPSA willnot pay any further benefits after your spouse dies. If you are married and waive the QPSA (with spousal consent), your entire vested account balance will be paid toyour designated Primary Beneficiary (or Beneficiaries) then living, otherwise to the next class of livingBeneficiaries you designate. If any amount remains in the plan when your Beneficiary (or Beneficiaries) die, theremaining benefit will be paid under the terms of your elections herein if specified or, if not so specified, under theterms of the plan. You may designate different Beneficiaries to receive their respective portions of your vestedaccount balance under the plan.

Information for Plan Participant (continued)

Participant Marital StatusIf you are married, federal law (and/or the terms of your plan) generally requires that death benefits from the plan bepaid to your spouse when you die.

Married.If you are married and have designated a Beneficiary other than, or in addition to, your spouse, your spouse’ssignature is required in order to complete your designation. And/or, if you elected a pre-retirement death benefitother than a life annuity, your spouse’s signature is required in order to complete your designation. Your spouse’sconsent must be witnessed by a plan representative or a Notary Public.Married but unable to locate my spouse.If you are married and cannot locate your spouse, spousal consent is not required to elect a form of distributionother than QPSA; however, your election must be witnessed by a plan representative or a Notary Public. Your planrepresentative may request evidence for the plan’s records.Unmarried.Because your spouse would have certain rights to your death benefit, your Beneficiary designation(s) becomesinvalid if you are married at the time of your death, unless your spouse has consented in writing to yourdesignations. You should immediately inform your plan representative of any change in your marital status.

Page 2 of 4 P-13353 4/8/13

Election of Pre-Retirement Death BenefitI hereby elect a form of pre-retirement death benefit other than a life annuity. If married, I hereby waive the QPSA.

Option 1 – Lump Sum.Option 2 – Certain and Life Annuity. The period certain (select a period) is to be 5 10 15 years.Monthly payments are to continue for the life of my Primary Beneficiary (or Beneficiaries). If my PrimaryBeneficiary (or Beneficiaries) should die before the end of the certain period, monthly payments are to continueto my secondary Beneficiary (or Beneficiaries) in the same amount for the remainder of the period. If the lastliving payee dies before all period certain monthly payments are made, that last payee’s estate will receivethose payments.Option 3 – Discretionary. The form of benefit shall be elected by my Beneficiary (or Beneficiaries) uponmy death.

Participant Name: Social Security Number:

Plan Name: Plan Number:

Page 3 of 4 P-13353 4/8/13

1. M F %NAME (FIRST, M.I., LAST) SOC. SEC. # RELATIONSHIP DOB

ADDRESS CITY, STATE, ZIP





If naming a Trust:

FULL NAME OF TRUST FULL NAME OF TRUSTEE(S) DATE OF TRUST

If no primary Beneficiary is living at the time of your death, benefits will be paid to the second class of Beneficiaries.

Primary Beneficiary

Participant Name: Social Security Number:

Plan Name: Plan Number:

Designatedpercentage(s)

must total 100%.







If naming a Trust:


If no secondary Beneficiary is living at the time of your death, benefits will be paid to the tertiary class of Beneficiaries.


must total 100%.

Secondary Beneficiary

Beneficiary DesignationComplete this section to designate a Beneficiary or Beneficiaries. Enter full names, relationship to you (forexample, spouse, child, grandchild, etc.) and date of birth.Benefits are payable to the survivors within the highest class (Primary, Secondary or Tertiary) in equal sharesunless specified otherwise here. The rights of other Beneficiaries shall terminate upon such payment.The Beneficiary or Beneficiaries for the benefit payable at my death shall be as follows:







If naming a Trust:



must total 100%.

Tertiary Beneficiary

Page 4 of 4 P-13353 4/8/13

Participant SignatureBy signing below, I hereby designate the Beneficiary (or Beneficiaries) as listed; that I am electing a form of pre-retirement death benefit other than a life annuity (if the “Election of Pre-Retirement Death Benefit” section iscompleted); and certify that the marital status I’ve indicated is correct. In the event of my death, I authorize the planrepresentative to make distributions to the listed Beneficiary (or Beneficiaries), but acknowledge that if spousalconsent to my designation is required, such designation is invalid unless my spouse has consented in writing andsuch consent is witnessed by a plan representative or a Notary Public.

Participant’s Printed Name Participant’s Signature Date

Note: If you certified that you are married, but you are unable to locate your spouse, your election must bewitnessed by a plan representative or a Notary Public.

Witnessed by:

Plan Representative’s Signature Date

IF NOT WITNESSED BY PLAN REPRESENTATIVE, NOTARY PUBLIC MUST WITNESS.

Subscribed and sworn before me this day of ,

Notary Public

County of Residence: My Commission Expires:

Spousal AuthorizationSelect ALL applicable:

I am the spouse of the plan participant named above and understand that my spouse is designating a Beneficiaryother than, or in addition to, myself. I approve of and consent to the designation of all Beneficiaries listed in the“Beneficiary Designation” section. If applicable, I hereby transfer any community property interest I have in, or wouldotherwise acquire in, this account into the separate property of my spouse for disposition consistent with thisdesignation. I understand that if the plan gives me the right to revoke this consent, that I may do so by delivering tothe plan representative a written revocation of this consent prior to the death of my spouse. Upon the death of myspouse, the consent contained herein, if not previously revoked, shall be irrevocable.

I am the spouse of the plan participant named above and consent to the election of a pre-retirement death benefitother than a QPSA. I understand that if the plan gives me the right to revoke this consent, that I may do so bydelivering to the plan representative a written revocation of this consent prior to the death of my spouse. Upon thedeath of my spouse, the consent contained herein, if not previously revoked, shall be irrevocable.I understand that, but for this consent, should my spouse die before his or her benefit commencement date under theplan, I would be entitled to receive a surviving spouse's benefit in the form of a life annuity. I have been provided withall information that I may have requested from the plan administrator as to the economic effect of my consent and asto whether I may revoke my consent. I understand fully the consequences of this action on my part and the loss ofbenefits that I may experience if I survive the participant. I have participated in the participant's decision to designatea Beneficiary other than me and/or to decline coverage under the QPSA form of benefit.

Spouse’s Printed Name Spouse’s Signature Date

Witnessed by:

Plan Representative’s Signature Date

IF NOT WITNESSED BY PLAN REPRESENTATIVE, NOTARY PUBLIC MUST WITNESS.

Subscribed and sworn before me this day of ,

Notary Public

County of Residence: My Commission Expires:

Instructions for Plan RepresentativeRetain the original Beneficiary Designation with your plan’s important documents. American United Life InsuranceCompany® does not require a copy for its records.

Participating in your planeEnrollmentRegistration1. Go to www.oneamerica.com/enrollment2. Click on “Register for a new account”.3. Select the “Account Services” link.4. Complete the step-by-step registration process, which

includes:- Entry of your plan number and personal information- Complete account setup

Enrollment1. Enter your User ID and Password created during

registration. Click Login.2. Complete the step-by-step enrollment process, which

includes:- Determine what you will contribute- Select your investment options

Paper enrollmentPaper forms are available. Please complete and returnthem following the instructions given by your planrepresentative.

Consolidating retirement accountsYou are able to roll over or transfer an existing qualifiedretirement plan account from a prioremployer immediately.

Benefits of account consolidation include:● One point of contact for your retirement questions● Reporting of your retirement assets on a single account

statement● One account for allocation and diversification of your

retirement portfolio

Considerations include:● Your prior account’s investment options and cost

structure● Possibility of moving your account(s) into an Individual

Retirement Account (IRA)

You will have an opportunity to initiate a rollover ortransfer of your accounts during the enrollment process.For assistance in initiating a rollover or transfer, call1-800-249-6269 Monday through Friday from 8 a.m.to 8p.m. Eastern Time (ET).

Enroll todayat www.oneamerica.com/enrollment,by filling out the enrollment forms or bycalling 1-800-249-6269.

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Notes

Products issued and underwritten by American United Life Insurance Company® (AUL), a OneAmerica company.

This information is provided for overview or general educational purposes only. This is not to be considered, or intended to be legal or tax advice. Changes in the tax law may affect the information provided. Investors should consult with their legal or tax advisors for personalized assistance, including any specific state law requirements.

Investing always involves risk, including the potential loss of principal. Participants should carefully consider their risk tolerance, investing time horizon, needs, and objectives as well as the specific risks and limitations associated with each of the investment options before investing. It is important to note that there are costs associated with the group annuity including investment costs associated with each of the investment options, as well as expense fees and contract charges.

Investment options summary pages and performance information are available for most investment options, but not all options.

The retirement plan discussed is funded by a group annuity. A variable annuity contract is a long-term, tax-deferred investment designed for retirement that will fluctuate in value. The annuity has underlying investment options. These investment options may not be available for purchase outside the variable annuity. Contributions are used to purchase units of an investment account within an AUL separate account and AUL in turn purchases shares of the corresponding investment option.

Group annuity contracts issued by AUL and registered variable annuity products are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, One American Square, Indianapolis, IN 46282, 1-877-285-3863.

Tax qualified retirement plans from American United Life Insurance Company® (AUL) are funded by an AUL group annuity contract. While a participant in an annuity contract may benefit from additional

investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract.

Investments made into the plan are tax-deferred. The tax deferral is a result of the tax treatment of the plan itself and not the group annuity. The group annuity adds no additional tax benefit. Withdrawals from the plan may be taxed as ordinary income and, remember, if withdrawals are made before age 59½, there may be an additional 10 percent tax penalty in addition to the ordinary income tax due.

AUL’s Retirement Services products offer flexibility and diversity in investment options through our group annuity contract to help plan participants reach their retirement goals. Participants invest in AUL separate accounts, which in turn invest in underlying funds. The use of multiple leading investment companies on a single platform allows access to quality investments and the ability to select investments by specialty without locking into their company’s full product lineup. Plan participants own units of an AUL separate account, not shares of any underlying fund.

Variable products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to OneAmerica Securities, Inc, One American Square, Indianapolis, IN 46282, 1-800-249-6269. Before investing, carefully consider the fund’s investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing.

Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice.

Your plan may offer the services of a third party advisor not affiliated with the companies of OneAmerica.

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As a part of a mutual organization, we answer to our customers, not outside shareholders or Wall Street. Our solid ratings are proof that you can feel confident your retirement plan is serviced by a highly reputable company.

Financial ratings

A.M. BestA+ (Superior) — Stable outlookA.M. Best’s A+ (Superior) rating is second highest of 16 possible ratings, according to the July 20, 2017 press release and reflects:• Consistently strong sales, excellent

retention and positive net flows which contribute to strong operating earnings

• Strong risk-based capital position• Diversified sources of revenue and earnings from

established niche positions in core RetirementServices and Individual Life segments

• Growth in core markets — full-servicesmall and mid-sized retirement plans, lifeinsurance and asset-based long-term care

• Well-developed enterprise riskmanagement framework

• Well-managed investment portfolio

S&PAA- — Stable outlookStandard and Poor’s AA- rating is fourth highest of 21 possible ratings, according to the October 4, 2017 report and reflects:• Strong competitive position supported by a

leading market position in its Care Solutions line, consistent sales growth, especially in retirement services, and strong retention

• Growing captive agency anddiversified distribution network

• Extremely strong capital and earnings• Low product risk profile• Strong liquidity• A well-developed and clearly articulated

risk management program

The companies of OneAmerica offer other ways to help!

Retirement preparation is an important part of helping you reach your overall life goals, but there are other ways the companies of OneAmerica can help you and your family:

Life insuranceWe offer a variety of life insurance products, including whole life, term and universal options. Our competitively priced policies can help provide peace of mind for you and your loved ones.

Care solutionsPreparing for the possibility of long-term care means weighing your options and positioning your assets to protect you and your family. We offer several options, including life insurance and deferred annuities that provide a way to increase your long term care benefits while passing your assets to your heirs if care is never needed.

Disability income insuranceMake sure you and your family are financially insured in the event that a disability keeps you out of work for an extended period of time. Count on our professionals to help design a policy that protects your income.

Note: While the companies of OneAmerica offer these products and services, it is important that you work with your financial professional to determine if such services are suitable for you and your future goals.

These ratings reflect assessments of the claims-paying ability of American United Life Insurance Company® (AUL), The State Life Insurance Company® (State Life), and Pioneer Mutual Life Insurance Company® (PML). S&P does not provide an assessment of the claims paying ability of PML. They are not intended to reflect the investment experience or financial strength of any variable account, which is subject to market risk. Ratings are under continuous review and subject to change and/or affirmation.

The strength of OneAmerica

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© 2017 OneAmerica Financial Partners, Inc. All rights reserved. OneAmerica® and the OneAmerica banner are all registered trademarks of OneAmerica Financial Partners, Inc.

About OneAmerica® A national leader in the insurance and financial services marketplace for nearly 140 years, the companies of OneAmerica help customers build and protect their financial futures.

OneAmerica offers a variety of products and services to serve the financial needs of their policyholders and customers. These products include retirement plan products and recordkeeping services, individual life insurance, annuities, asset based long-term care solutions and employee benefit plan products.

Products are issued and underwritten by the companies of OneAmerica and distributed through a nationwide network of employees, agents, brokers and other sources that are committed to providing value to our customers.

To learn more about our products, services and the companies of OneAmerica, visit OneAmerica.com/companies.

For educational use only.

Questions? Visit us onlineat www.oneamerica.com orcall 1-800-249-6269.

Your plan’s financial professional(s):Steven FinertyMoneta Group

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