1. 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and agents of the insurers of American General Life Companies. This presentation must be used with the accompanying narrative notes which are included in the presentation. You must take the following steps to access these notes: 1.Save the presentation to your laptop or PC 2.Open the saved presentation; then click the “View” option in your menu bar in the upper left corner of your screen 3.From the “View” drop down, click “Notes Page” This will open the presentation with the narrative notes at the bottom of each slide. When making the presentation, these notes must be used without modification. Please contact your American General Life Companies representative with additional questions. Important Notice

2. 1 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC to offer Generation S clients? …the clients who have saved money and aren’t using it… NOT FDIC INSURED. MAY LOSE VALUE. NOT A DEPOSIT. NO BANK GUARANTEE. NOT INSURED BY ANY FEDERAL AGENCY. Do you need something new…

3. 2 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC Strategies for Generation “S” Wealth transfer solutions for a generation of savers  Savers, not spenders  Modest but comfortable lifestyle  Pension + savings  Other investments  Risk averse  Family first

4. 3 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC Strategies for Generation “S” Wealth transfer solutions for a generation of savers According to an AARP study in 2001… Average Inheritance actually received was $49,000

5. 4 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC Is the middle-class inheritance threatened?  Stock market volatility  Low yields  Taxes and inflation Strategies for Generation “S” Wealth transfer solutions for a generation of savers

6. 5 What can you earn on $50,000 without stock market risk? Strategies for Generation “S” Wealth transfer solutions for a generation of savers  1-year CD = 1.02%  Bank money market account = 0.817%  5-year CD = 2.27%  10-year Treasury note = 2.61% Source: Bankrate.com 12/30/2010: average national yields FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

7. 6 It might take a while…. 0.50% >>> 144 years 1.00% >>> 72 years 2.00% >>> 36 years 2.50% >>> 29 years 3.00% >>> 24 years Want to double that investment? Rule of 72 72/Interest Rate = Years to Double Strategies for Generation “S” Wealth transfer solutions for a generation of savers FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC 6

8. 7 Smart. Secure. Simple. Inheritance Life®

9. 8 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC SMART. Tax-advantaged means of transferring wealth  LEVERAGE:  One-time premium produces a larger death benefit Inheritance Life

10. 9 Inheritance Life® Leverage Immediately increase a legacy FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

11. 10 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC Inheritance Life provides Leverage Example assumes Preferred risk class. Rates current as of Jan 11, 2011.

12. 11 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC SMART. Tax-advantaged means of transferring wealth  LEVERAGE:  One-time premium produces a larger death benefit  Death benefit is guaranteed  Earnings grow tax-deferred 1  Avoids probate 2  Passes to heirs income-tax free 1 1 Based on current federal income tax laws 2 Subject to state probate laws Inheritance Life

13. 12 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC SECURE. Clients have the security of guarantees  Guaranteed Return of Premium  Clients can access funds if they need them  Partial Withdrawals each year of 10% of accumulated value (beginning yr 2)  Loans available anytime  Terminal Illness Rider (not available in NY)  Surrender charges waived upon qualifying medical stay Inheritance Life

14. 13 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC SIMPLE.  Easy transition for annuity agents  New product for existing clients  Slight modification to talk track  New solution that doesn’t take away from your existing business Inheritance Life

15. 14 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC Strategies for Generation “S” Wealth transfer solutions for a generation of savers Safety Tax Efficient Yield Liquidity Easy Create an Inheritance with…

16. 15 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC SIMPLE. Wealth transfer solution as easy as…  5 questions  Signature  10 minutes No medical exams! Inheritance Life

17. 16 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC Inheritance Life

18. 17 Strategies for Generation “S” Wealth transfer solutions for a generation of savers Birthdays impact leverage

19. 18 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC Smart. Secure. Simple. Inheritance Life

20. 19 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC Important Information Policies issued by: American General Life Insurance Company 2727-A Allen Parkway, Houston, TX 77019 Inheritance Life Policy Form Number 06440 Terminal Illness Rider Form Number 91401 Waiver of Surrender Charge Rider Form Number 06422 The United States Life Insurance Company in the City of New York One World Financial Center, 200 Liberty Street, New York, NY 10281 Inheritance Life Policy Form Number 06440N, 06440NU Waiver of Surrender Charge Rider Form Number 06422N The underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life Insurance Company, Houston, TX (AGL) and The United States Life Insurance Company in the City of New York, NY, NY (USL) are the issuing insurer’s responsibility. USL is authorized to conduct insurance business in New York. Policies and riders not available in all states. American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including AGL and USL. Important: Prior to soliciting business, be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the insurer in that state. If uncertain, contact your American General Life Companies representative for assistance. © All rights reserved. AGLC104701