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(2) It’s your future. It starts NOW! You have the opportunity to take advantage of a fantastic benefit – a tax-advantaged way to invest for your future. This booklet tells you about your qualified retirement plan. All you need is 30 minutes or less to read through the information, so don’t put it off until later. Get your future headed in the right direction, right away! How much should I contribute toward retirement?. The simple answer is, you should contribute as much as you can! If you’re not sure how much you can afford, start small and commit to re-evaluating your contribution level amount every year. The important thing is to contribute something, starting right now. Where should I invest?. This is an important question, but the answer is not the same for everyone. Your investment choices will depend largely on your risk tolerance and your time horizon. Fortunately, this booklet will help educate you on your investment options within the plan and help you choose the suitable ones for you.. Table of contents Participant education . . . . . . . . . . . . . . . . . . . . . 1 Retirement needs worksheet . . . . . . . . . . . . . . . . .11 Investor profile questionnaire . . . . . . . . . . . . . . . . 12 Investor profile types . . . . . . . . . . . . . . . . . . . . 13 Enrollment instructions . . . . . . . . . . . . . . . . . . . 17 Forms . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 Investment information . . . . . . . . . . . . . . . . . . . 29. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863, which is a wholly owned subsidiary of AUL..

(3) Picture your future What do you see yourself doing when you retire? Maybe you’re looking forward to spending more time with family and friends. Maybe you want to immerse yourself in a favorite hobby, or go back to school to study a subject that’s always fascinated you. Or maybe you hope to travel the world! Fortunately, your retirement plan provides a way to invest in your future — however you picture it! Your retirement plan offers:. Flexibility • You decide how much to contribute. • You decide how your money is invested. Convenience • Contributions are automatically deducted from each paycheck. • You can select from a variety of investment options to fit your needs.. Retirement means different things to different people. No matter what your vision for the future may be, you can make it a reality with a little preparation.. Tax benefits • Contributions made on a pre-tax basis reduce your current taxable income. • Your contributions can grow tax-deferred until withdrawn from your account. Getting started — It’s like 1–2–3!. 1. Learn about investing, then complete the worksheets to help you determine what kind of investor you are. 2. Decide how much to contribute and which investment options are suitable for you. 3. Enroll! About AUL Retirement Services. American United Life Insurance Company® (AUL) is the founding member of OneAmerica® and offers a wide range of products and services for retirement plans of individuals and employers. As a leader in the retirement services industry, AUL provides local service through a national network of experienced professionals focusing on the 401(k), 403(b) and 457 markets. Note: Tax qualified retirement plans from 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. Registered group variable annuity contracts issued by American United Life Insurance Company® (AUL) are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863, which is a wholly owned subsidiary of AUL. R-21124 02/23/10. 1.

(4) Don’t wait — Time is money! The important thing is to get started as soon as you can!. The first step toward reaching your retirement goals is making the decision to invest. The sooner you start investing, the easier it may be to reach your financial goals. Contributing a little from each paycheck throughout your working life can be a lot easier than trying to contribute a lot at the end. In addition, the earlier you start investing, the less you may need! That’s because your money has more time to grow when you start early. The chart below shows the importance of contributing early.. Time is money. Contributions. Note: All individuals are fictitious and all numeric examples are hypothetical. These hypothetical investment returns are for educational purposes only and are not indicative of any particular investment or performance. Hypothetical returns assume reinvestment of earnings. Actual returns or principal value will vary. Balances shown are before reduction for taxes. 2. Account value. Eva Earlysaver saves $200 a month from age 25 to 35, contributing a total of $24,000 to her retirement plan over 10 years, then she stops contributions altogether. Lester Latesaver saves the same $200 per month from age 35 to 65, contributing a total of $72,000 to his retirement plan over 30 years. Assuming they both earn an 8 percent annual return on their investments, Eva would have $365,000 at age 65, while Lester would end up with only $284,000. Why? Eva got a head start on her retirement plan. So not only did she contribute less, but she ended up with more!. R-21125 12/30/09.

(5) The power of tax-deferral Contributions to your qualified retirement plan are made with pre-tax dollars. This means that your contribution is deducted from your pay first, and then you pay taxes on the remainder of your pay. As a result, your current taxable income is reduced — so your current income tax burden is less. Amounts withdrawn from a qualified plan are taxable when distributed. Withdrawals prior to age 59½ may be subject to a 10 percent IRS penalty. As an added bonus, the impact to your take-home pay is actually less than the amount of your contribution. For example, Sarah saves $200 per month, or 8 percent of her pay. Her contribution is deducted from her paycheck on a pre-tax basis. This reduces her current taxable income. Although Sarah is contributing $200 per month, her take-home pay is reduced by only $150. In other words, it costs her only $150 to invest $200 today!. Sarah sees only a $150 difference in her paycheck, but she is investing $200 for retirement because of federal tax savings.. Gross salary: $30,000 per year, $2,500 per month Before joining the plan:. • • • •. Federal income tax withheld (25 percent): $625 FICA tax: $191.25 Total tax: $816.25 Net monthly pay: $1,683.75. After joining the plan:. • • • • •. Plan contribution: $200/month Federal income tax withheld (25 percent): $575 FICA tax: $191.25 Total tax: $766.25 Net monthly pay: $1,533.75. Difference in net monthly pay: $150. Sarah sees only a $150 difference in her paycheck, but she is investing $200 for retirement because of federal tax savings.. R-21126 11/17/09. Note: This information is provided for general educational purposes only. This is not intended to be nor should it be considered legal or tax advice. Changes in tax law may affect the information provided. Investors should consult their legal or tax advisors for personalized assistance and any specific state law requirements. Tax qualified retirement plans from 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. 3.

(6) The real cost of investing The power of pre-tax investing means that every dollar you contribute costs less than a dollar from your paycheck.. You may discover that you are able to contribute more than you thought!. The table below will help you understand the real cost of contributing for retirement. • Find your gross monthly pay in the left column. • Choose a monthly contribution percentage. • Find where these two numbers intersect. The top number shows how much you will be contributing. The bottom number shows how much your monthly pay will be reduced today.. Cost to your paycheck Gross monthly pay $2,000 $3,000 $4,000 $5,000. Monthly contribution percentage 3% 6% 8%. 10%. You save:. $60. $120. $160. $200. It costs:. $51. $102. $136. $170. You save:. $90. $180. $240. $300. It costs:. $68. $135. $180. $225. You save:. $120. $240. $320. $400. It costs:. $90. $180. $240. $300. You save:. $150. $300. $400. $500. It costs:. $113. $225. $300. $375. The top number shows approximately how much goes into your plan each month. The bottom number shows today’s estimated paycheck reduction.. Note: This information is provided for general educational purposes only. This is not intended to be nor should it be considered legal or tax advice. Changes in tax law may affect the information provided. Investors should consult their legal or tax advisors for personalized assistance and any specific state law requirements. 4. R-21127 11/17/09.

(7) Tax-deferred earnings Your qualified plan offers another important tax advantage: the money you contribute can grow tax-deferred. This means that as your retirement contributions grow, you have no current tax liability on the earnings. So your contributions — and the earnings on your initial investment — may accumulate more quickly than if they were in a taxable account. You will eventually have to pay taxes when you withdraw money from your plan. By then, you may be in a lower tax bracket.. Your investment can grow faster tax-deferred!. Tax-deferred versus taxable vehicles Tax Deferred Account. After Tax Value of Account. Taxable Account. 20 years. $148,269. $103,788. $96,387. 30 years. $367,038. $256,926. $218,983. 40 years. $839,343. $587,540. $455,677. Compare:. • $3,000 annual pre-tax contribution to a qualified retirement plan; with • $2,250 annual after-tax investment in a taxable investment vehicle Assume:. • Both the taxable investment vehicle and the tax-deferred retirement plan earn 8 percent annually • The employee is in the 25 percent federal tax bracket The example above is designed to demonstrate the principal of tax deferred compounding. It depicts two hypothetical accounts, a tax deferred account and a taxable account. Each account receives an 8 percent rate of return annually. The tax deferred account has an annual pre-tax contribution of $3,000 ($250/month). The taxable account assume the same contribution but after a 25 percent ordinary income tax is imposed on the contribution as it is after tax money. This result in a contribution of $2,250 per year or $187.50 monthly. The growth on the taxable account is taxed 15 percent reflecting capital gains and dividend tax rate. The tax deferred account is taxed at ordinary income tax rates as a lump sum distribution and due to the size of the lump sum it is taxed at a 30 percent rate. The 8 percent rate of return does not reflect any specific investment and these returns are not guaranteed. Investing involves risk of loss including the potential loss of principal. Your actual results will vary. Tax laws are complex and subject to change. Neither AUL nor its subsidiaries nor agents provide tax or legal advice.. R-21128 02/23/10. Tax qualified retirement plans from 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. 5.

(8) The power of tax-deferred compound growth Social Security benefits Social Security probably won’t be your only source of retirement income, but it will likely be an important one. You should receive statements on a regular basis from the Social Security Administration, which include a record of your earnings as well as your estimated future benefits. These figures can be very helpful as you estimate how much you need to save.. Imagine someone offered you a choice between a million dollars or a single penny that doubled in value every day. Which would you choose? Believe it or not, the smart choice would be to take the penny, because it would be worth more than a million dollars after just 27 days. After 30 days it would be worth over ten million dollars! Of course, you’ll never find an investment that offers a 100 percent daily return. But compound earnings can still be pretty amazing. The more money you invest and the sooner you start, the more quickly your account balance may grow.. Compounding example. $2,159. To find out more, visit the Social Security Administration Web site at www.ssa.gov. or call 1-800-772-1213.. $1,260 $1,080. $1,166. This example assumes a consistent annual return of 8 percent over a 10 year period without and current taxation. Note: All individuals are fictitious and all numeric examples are hypothetical. These hypothetical investment returns are for educational purposes only and are not indicative of any particular investment or performance. Hypothetical returns assume reinvestment of earnings. Actual returns or principal value will vary. Balances shown are before reduction for taxes. 6. Year one • Let’s assume you invest $1,000. Your $1,000 earns 8 percent, so after one year you have $1,080. Year two • The second year, both your original $1,000 and your $80 earnings earn 8 percent, so now you have $1,166. Year three • The third year, all your earnings and your original $1,000 earn 8 percent. You now have $1,260. Year 10 • At an 8 percent annual rate of return, your original $1,000 would more than double to $2,159 in 10 years. R-21129 12/30/09.

(9) Diversify As an investor, it’s important to find balance. You want stability, but you also want your money to grow. You’re willing to take on some investment risk, but only up to a certain point. Diversification may sound complicated, but it’s actually a pretty simple concept. If you’re familiar with the saying “Don’t put all your eggs in one basket,” you’re already halfway there. Diversification is all about making sure your retirement portfolio contains a mix of different investments. Diversification can help smooth out the ups and downs in your portfolio. Although you can reduce volatility and risk with diversification, you can’t eliminate investment risk altogether.. Diversification Spreading your savings among several investment options.. Asset allocation Choosing an appropriate mix of investments based on your personal situation.. Asset allocation. You also need to decide how much of your retirement savings to put in each of the investment classes: stocks, bonds and cash. This is called asset allocation. The amount of your account that you allocate to each investment type will depend largely on your personal situation. How many years do you have until retirement? What amount of risk are you willing to take? What other sources of retirement income are you anticipating? Are there any special needs you or your dependents may have? The use of diversification and asset allocation as part of an overall investment strategy does not assure a profit or protect against loss in a declining market. 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.. Stocks Ownership in a company, generally issued in the form of shares. A stock’s value generally rises and falls with the success of the company.. Bonds Debt securities issued by government agencies, municipalities and corporations. Bonds have a specified maturity date and may pay interest at predetermined times.. Cash equivalents Short-term securities such as Treasury Bills and money market investments that provide safety and liquidity, but low potential returns.. Note: 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. R-21130 02/25/10. 7.

(10) Risk versus return Over the long term, stocks have historically outperformed bonds and money market investments. So why doesn’t everyone just invest in stocks?. The amount of investment risk you are willing to take is a very important decision. Remember, all investments possess some element of risk, including possible loss of principal.. The trade-off for higher long-term growth potential is greater short-term volatility. The investments that have produced the highest long-term returns have also had the greatest fluctuations in value. Risk is the potential for an investment to lose value. Return is the change in value on an investment. Understanding the relationship between risk and return is very important as you develop your investment strategy: • Increased risk offers the potential for a greater return over time, but there is also a greater potential for loss. • Lower risk offers the potential for a lower return over time, but there is also less potential for loss.. Risk versus return example. Large-cap stock Balanced. Mid-cap stock. Bonds. Small-cap stock International/ Global stock. Money market Fixed interest. Specialty stock. Lower risk: Lower potential return Less potential for loss. Higher risk: Higher potential return Greater potential for loss. In the investment world, risk refers to the elements that determine whether an investment’s value or return will be lower or higher than expected. Generally, the greater the risk, the greater the potential return. The risk/return meter above shows the relative risk and return characteristics of different investment types.. Note: Subject to change based on market conditions.. 8. R-21131 07/08/09.

(11) Dollar cost averaging and rebalancing Dollar cost averaging is investing the same amount of money on a regular basis. By saving through payroll deductions to your retirement plan, you are using the principle of dollar cost averaging — and you may not even know it! With dollar cost averaging, the number of “units” that you purchase is determined by their price at the time of purchase. When investment option prices are high, you buy fewer units at a higher average price. When prices are low, you buy more units at a lower average price.. Dollar cost averaging is an investment strategy in which you invest a set dollar amount each period.. Contributing to your retirement plan works in roughly the same way, because you contribute the same amount to your plan each pay period. When prices are low, your contribution buys more units. When prices are high, your contribution buys fewer units. Over time, this can help moderate the average price of the units you purchase. Keep in mind that dollar cost averaging does not guarantee a profit or protect against a loss. Rebalancing. Over time, your portfolio’s asset allocation can move away from your target allocation, because some investments perform better than others. If left unadjusted, your portfolio could become either too risky or too conservative. By periodically reviewing your asset allocation, you can rebalance your portfolio and bring your investment mix back in line with your retirement goals.. R-21132 11/17/09. 9.

(12) Creating your investment strategy Now that you’ve learned more about investing and about how your retirement plan works, the next step is to figure out an appropriate mix of investments for you.. Beyond diversifying your portfolio among different asset classes, you need to find an appropriate mix of investments for your personal situation. This is known as “asset allocation.” To determine an appropriate asset allocation for contributions, you’ll need to consider three things: • Your financial goals • Your risk tolerance • Your time horizon Financial goals. How do you envision your retirement? Are you planning a modest lifestyle, or do you want to travel and pursue hobbies? Your idea of retired life plays a major part in determining how much money you’ll need to contribute, and how you’ll need to invest. Risk tolerance. How comfortable are you with fluctuations in your investment value? Some people are comfortable taking on the risk of frequent ups and downs of the market in return for potentially greater long-term returns. Others prefer the slow, steady return of lower-risk investments. Understanding your personal attitude toward risk will help you find the right allocation for your portfolio. Time horizon. It’s important to think not only about your general attitude toward risk, but also about how long your money will be invested. How many years until you plan to retire? The longer you plan to be invested, the more risk you can potentially afford to take. If you have a shorter time frame, you may want to limit your exposure to higher-risk investments.. 10. R-21133 12/04/09.

(13) Retirement needs worksheet Here is a worksheet you can use to estimate how much income you’ll need in the future and how much you have to invest to help provide that income.. Example Line 1: Current income Enter your current annual income.. You. $30,000. $. Line 2: Income needed in Estimate the annual income you’ll need at retirement by multiplying line 1 retirement by 80 percent. (Needs may vary.). $24,000. $. Line 3: Social Security Estimate your future Social Security benefit. Insert the estimated benefit benefit from the annual statement you receive from the Social Security. $7,500. $. $16,500. $. $29,865. $. $186,400. $. $309,999. $. $123,599. $. $2,701. $. $225. $. Administration or from the SSA’s benefit calculator available at www.ssa.gov. If your estimated benefit isn’t available, multiply line 1 by .25 (up to a maximum of $24,636) for a conservative estimate of your benefits. Line 4: Replacement For the estimated annual income you’ll need to replace through retirement income savings and personal assets, subtract line 3 from line 2. Line 5: Inflation adjustment Now adjust your current replacement income for inflation by multiplying. line 4 by an inflation factor from table A. Choose the inflation factor below the number of years you have left until you plan to retire. For our example, we assume 20 years left to retirement. Thus, we multiply $16,500 by 1.95. Line 6: Current assets Enter the value of your current assets (savings, investments, etc.) adjusted. for growth. (Example: $40,000 multiplied by an investment factor of 4.66.) Line 7: Goal How much would you need to have at retirement to give you the annual. income in line 5? Multiply line 5 by a payout factor from table B. (Our example assumes 3.4 percent inflation, an 8 percent investment return, and that you will need 15 years of retirement income, so we used a payout factor of 10.67.) Line 8: Total contributions To find out how much you’ll need to contribute, subtract line 6 from line 7. needed Line 9: Annual How much do you need to set aside each year in order to work toward your contributions needed retirement goal in line 8? Divide line 8 by the present value factor in table A.. (Example: $123,599 divided by 45.76.) Line 10: Your monthly Divide line 9 by 12 to get the amount you need to invest each month toward investment retirement.. Table A Number of years until retirement. 5. 10. 15. 20. 25. 30. 35. 40. Inflation factor ( 3.4 percent inflation). 1.18. 1.40. 1.65. 1.95. 2.31. 2.73. 3.22. 3.81. Investment factor (8 percent return). 1.47. 2.16. 3.17. 4.66. 6.85. 10.06. 14.79. 21.72. Present value factor ( 8 percent return). 5.87. 14.49. 27.15. 45.76. 73.11. 113.28. 172.32. 259.06. Table B Number of years of retirement Payout factor. 10. 15. 20. 25. 7.87. 10.67. 12.90. 14.68. Note: This hypothetical example assumes 3.4 percent inflation and an 8 percent annual investment return. Actual inflation and your investment returns and principal value will differ.. R-21156 01/20/10. 11.

(14) Investor profile questionnaire This questionnaire will help you select an investor profile based on your time horizon and comfort level with investing. The total score recommends which of the five risk profiles is most appropriate for you. Answer these questions and total your score at the bottom.. 1 year I expect to begin withdrawing money from my retirement account in:. 2–4 years. 5–7 years. 2. 3. 1. I want a lump sum distribution 2–4 years Once I begin withdrawing money from my retirement account, I expect the withdrawals to last:. 1. Strongly agree. 2. Agree. 5–7 years. 8–10 years 11+ years 4. Neutral. 5. 8–10 years 11+ years. 3. 4. Disagree. Score. Score. 5. Strongly disagree. I would take money out of my retirement savings 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. Score. TOTAL Transfer your total score to the next page. Scoring 10–19. 20–26. 27–33. 34–40. 41–50. Conservative. Moderate. Balanced. Growth. Equity growth. 12 R-21156 01/20/10.

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(17) Strategic Allocation Funds American Century Investments® Diversification Made Easy. If your goal is. Long-Term Growth. Long-Term Growth with Moderate Income. Preservation of capital with Moderate Income. And you are willing to assume. More Risk. Some Risk. Less Risk. Then consider. Strategic Allocation: Aggressive Fund. Strategic Allocation: Moderate Fund. Strategic Allocation: Conservative Fund. Equities: 78% (range: 63%–93%). Equities: 63% (range: 53%–73%). Equities: 45% (range: 39%–51%). Bonds: 20% (range: 10%–30%). Bonds: 32% (range: 21%–41%). Bonds: 45% (range: 38%–52%). Cash: 2% (Range: 0%–15%). Cash: 5% (Range: 0%–15%). Cash: 10% (Range: 5%–20%). To achieve diversification with a single investment. This chart reflects the projected approximate asset allocations under normal conditions for each underlying fund. These allocations will change due to market conditions between periods of rebalancing. The underlying funds’ actual asset mixes will vary from the neutral mix based on investment performance. Fund managers regularly review the portfolios and will rebalance the asset mix to stay within the underlying funds’ preset operating ranges. The risk designations are relative only to the three Strategic Allocation Funds and do not represent comparisons with any other investment. Generally, as interest rates rise, bond prices fall. Diversification does not assure a profit or protect against a loss in a declining market. You should consider the underlying fund’s investment objectives, risks, and charges and expenses carefully before you invest. The underlying fund’s prospectus, which can be obtained by calling 1-800-345-6488 (or by visiting www.americancentury.com), contains this and other information about the underlying fund, and should be read carefully before investing.. Note: The American Century Investments® discussed here are available to participants under retirement plans serviced by American United Life Insurance Company® (AUL) through a separate account under an AUL group variable annuity contract. Contributions under a retirement plan purchase units of the AUL separate account which in turns purchases shares of the underlying American Century Investments®. Contributions are not directly invested into the American Century Investments®. The information discussed here will provide a basic understanding of the objectives, investment philosophy, and general characteristics of the fund. There can be differences between the costs, fees, and performance of the fund and the investment option within the AUL group variable annuity. Registered Group Variable Annuities are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to American United Life Insurance Company®, 433 N. Capitol Ave., Indianapolis, Indiana 46204, 1-877-285-3863. 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. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863, which is a wholly owned subsidiary of AUL. Securities offered through OneAmerica Securities, Inc., member FINRA, SIPC, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863. OneAmerica Securities, Inc. is a wholly owned subsidiary of American United Life Insurance Company®. American Century Investment Services, Inc., Distributor ©2010 American Century Proprietary Holdings, Inc. All rights reserved. IN-FLY-67209. R-21165 01/20/10. 15.

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(19) It’s easy! Whether you prefer to enroll by phone or online, there’s an easy-to-use enrollment tool available to you 24 hours a day, seven days a week. Just follow the instructions below. Don’t wait — enroll today! Account Services — www.accountservices.aul.com Account Services is AUL’s secure, interactive participant Web site, which gives you the ability to manage your retirement account from any computer with Internet access. Registration and enrollment: 1. Go to www.accountservices.aul.com. 2. Click on Register. 3. Complete the three-step registration process: — Read the Terms and Conditions. If you agree to the terms, mark “I accept.” Click Next. — Enter your Plan Number and Date of Birth. Click Next. — Create and confirm your User ID and password. Click Next. Congratulations! You have successfully registered for Account Services. You will now be directed to log in and complete a quick and easy enrollment process, during which you will enter and confirm your deferral information and investment elections.. Electronic enrollment is available for most, but not all, plan types. To manage your account using Account Services, just visit www.accountservices.aul.com. OneAmerica TeleServe® — 1-800-249-6269 OneAmerica TeleServe® is an interactive voice response (IVR) system that provides a direct link to your retirement account information. Registration and enrollment: 1. Call 1-800-249-6269. 2. Enter your Social Security Number. 3. Re-enter the last four digits of your Social Security number. 4. Enter the numeric portion of your Plan Number. 5. Enter your Birth Date (mm/dd/yyyy). 6. Choose and enter a Password. 7. Answer the questions about whether you want to make a deferral contribution and what percentage you want to defer. 8. Enter your investment option elections (Option 2 from the main menu). 9. Indicate whether you have other retirement accounts that you wish to roll over to your AUL retirement plan. OneAmerica TeleServe® enrollment is available for most, but not all plan types. To manage your account using OneAmerica TeleServe®, just dial 1-800-249-6269, then enter your Social Security number and password. R-21169 01/25/10. a OneAmerica® company. Products and financial services provided by. Throughout this booklet, you’ve received information to help you understand the importance of saving for retirement. You’ve filled out worksheets to help you decide how much you need to save and where to invest it. Now comes the most important part — enrolling in the plan.. American United Life Insurance Company®. Account Services and OneAmerica TeleServe®. Your future. Our goal.®. Ready, set, GO!. Note: 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. Registered Group Variable Annuities are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877285-3863. 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.. 17.

(20) 18 • Transfer balances • Change addess • Change deferral percentage • Change investment elections. Note: All options may not be available to your plan.. • Enrollment • Account information • Investment option information • Request loan (if applicable). Web www.accountservices.aul.com IVR 1-800-249-6269. Account Services/OneAmerica TeleServe®.

(21) Participant Enrollment Form. Products and financial services provided by American United Life Insurance Company® a OneAmerica® company One American Square, P.O. Box 6011 Indianapolis, IN 46206-6011 1-800-249-6269. RA SRA 457. Please print in UPPER CASE letters in Black or Dark Blue ink!. A. Plan Information. G74532 Plan Name Ivy Tech Community College Plan Number. Division. B. Participant Information First Name. M.I.. Last Name. Social Security Number or Taxpayer ID Number. -. -. Sex. Date of Birth. M. F M M. /. D. D. /. Y. Y. Y. Y. Street Address Line 1. Street Address Line 2. City. State. Zip Code. Work Telephone Number. -. Ext.. -. Home Telephone Number. -. -. Email Address. C. Employment Information To be Completed by Employer for Employer Sponsored Plans, or by Participant for Voluntary 403(b) and IRA plans. New Participant. Date of Hire: M M. Rehired Participant. /. D. D. /. Date of Rehire: Y. Y. Y. Y. M M. /. D. D. /. Y. Y. Y. Y. R-21427. Page 1 of 2. R-21427-1. 3/25/09 19.

(22) D. Participation and Investment Options – Contributions I elect to make contributions to be allocated as indicated on the Investment Option Election Form. I hereby authorize my employer to reduce my compensation by per as a contribution to the Plan.. % OR $. 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: Plan provisions may not allow you to elect not to contribute. Please refer to your Summary Plan Description (SPD) or contact your plan administrator for additional information. This election applies to compensation earned until changed by me through OneAmerica TeleServe® (1-800-249-6269), the Internet (www.accountservices.aul.com), or by paper form. The effective date of this election will be determined by my employer and is dependent upon plan document provisions. Apply any contributions received on my behalf as indicated on the Investment Option Election Form.. E. Acknowledgement and Authorization I acknowledge that I have read and understand the provisions and restrictions and confirm receipt of the current prospectus, if applicable, as described in Participant Enrollment Provisions and Restrictions (R-20340). I agree that the above information and statements contained in Participant Enrollment Provisions and Restrictions (R-20340) are true and correct to best of my knowledge and belief and are made a basis for my application. Under penalties of perjury, by signing below, I hereby certify (1) that the Social Security or Taxpayer I.D. Number above is correct and (2) that I am not subject to backup withholding because (a) I have not 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. The IRS does not require your consent to any portions of this document other than certifications required to avoid backup withholding. For voluntary plans and/or residents of Florida, does this annuity replace an existing insurance or annuity? Yes. No. If yes, submit any required replacement forms.. Participant Signature. Date. R-21427. Page 2 of 2. 20. R-21427-2. 3/25/09.

(23) Investment Option Election Form. Products and financial services provided by American United Life Insurance Company® a ONEAMERICA® company One American Square, P.O. Box 6011 Indianapolis, IN 46206-6011 1-800-249-6269. Please print in UPPER CASE letters in Black or Dark Blue ink!. A. Plan Information Plan Number G74532 Plan Name Ivy Tech Community College. Division. B. Participant Information First Name. M.I.. Last Name. Social Security Number or Taxpayer ID Number. -. -. C. Investment Elections — See Participant Enrollment Provisions and Restrictions (R-20340) prior to proceeding Investment Name. Internal Code. Investment Category. Election Percentage. AUL Fixed Account. I2. Fix Int/Stable Value/Cash. %. OneAmerica Money Market. A4. Fix Int/Stable Value/Cash. %. Vanguard Short-Term Federal. V1. Short-Term Bonds. %. PIMCO Total Return. Q4. Intermediate-Te rm Bonds. %. AmCent Strategic Alloc Aggres. MA. Balanced. AmCent Strategic Alloc Conser. MC. Balanced. AmCent Strategic Alloc Mod. MB. Balanced. AmCent Equity Income. M7. Large-Cap Stocks. %. MFS Value. U4. Large-Cap Stocks. %. Amer Fds Fundamental Inv. 8D. Large-Cap Stocks. %. Fidelity VIP Contrafund. E8. Large-Cap Stocks. %. % % %. R-20089. fndl20089f. Page 1 of 2. R-20089. 3/11/08. 21.

(24) C. Investment Elections — See Participant Enrollment Provisions and Restrictions (R-20340) prior to proceeding Investment Name. Internal Code. Investment Category. Election Percentage. State Street Equity 500 Index. X2. Large-Cap Stocks. Invesco Mid Cap Core Equity. H2. Mid-Cap Stocks. AmCent VP Capital Appreciation. M1. Mid-Cap Stocks. AmCent Small Cap Value. M6. Small-Cap Stocks. %. Vanguard VIF Small Comp Growth. V4. Small-Cap Stocks. %. MFS Intl New Discovery. U1. Foreign Stocks. Amer Fds EuroPacific Growth. 8B. Foreign Stocks. AmCent Real Estate. NJ. Specialty. % % %. % % %. 100%. Totals: D. Acknowledgement and Authorization Must be completed if not attached to Participant Enrollment Form (R-20087 or R-20088). I acknowledge that I have read and understand the provisions and restrictions and confirm receipt of the current prospectus, if applicable, as described in Participant Enrollment Provisions and Restrictions (R-20340). I agree that the information contained in Sections A and B of this form are true and correct to best of my knowledge and belief and are made a basis for my application. I further understand that contributions received after the date this form is processed will be invested according to the elections indicated in Section C. Under penalties of perjury, by signing below, I hereby certify (1) that the Social Security or Taxpayer I.D. 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. The IRS does not require your consent to any portions of this document other than certifications required to avoid backup withholding.. _____________________________________________________________ Participant Signature. ______________________________________ Date. R-20089. fndl20089f 22. Page 2 of 2. R-20089. 3/11/08.

(25) Participant Enrollment Provisions and Restrictions. Products and financial services provided by American United Life Insurance Company® a OneAmerica® company One American Square, P.O. Box 6011 Indianapolis, IN 46206-6011 1-800-249-6269. CONTRIBUTION ALLOCATION AND ACKNOWLEDGEMENT 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 Unit Trust. The variable account is divided into investment accounts. Each investment account invests exclusively in shares of a specific mutual fund, a mutual fund portfolio or a pooled separate account. 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. A current Statement of Additional Information for the AUL American Unit Trust and the OneAmerica Series Fund, Inc. and for any other Mutual Fund being purchased by the Unit Trust for your variable annuity is available at www.oneamerica.com. By signing the Participant Enrollment Form, you acknowledge that if you do not complete and include the Investment Option Election Form with this enrollment, you are directing AUL Retirement Services to apply any contributions received on your behalf to the default investment option for the plan. You further acknowledge that these elections will take effect when this form is processed at AUL’s Corporate Office. Contributions received after the date your form is processed will be invested according to the elections indicated on the Participant Enrollment Form or Investment Option Election Form until changed by you. It is your responsibility to use the transfer feature through OneAmerica TeleServe® (1-800-249-6269) or to log into your secure retirement services account (www.accountservices.aul.com) to re-direct any defaulted contributions (for which you can direct), if applicable, made to your account into other investment options available for the plan. If you have not already done so, you will need to register and select a password for account access.. TRANSFER RESTRICTIONS All or part of your account value may be transferred between the available investment accounts at any time during the accumulation period, but no more frequently than once per day. You can initiate a transfer through OneAmerica TeleServe® (1-800-249-6269), or by registering for and then logging into your secure account at www.accountservices.aul.com. 20% Fixed Interest Account (FIA) Transfer Restriction A. If you have $2,500 or more in the Fixed Interest Account at the beginning of the contract year, up to twenty percent (20%) of that amount may be transferred during that contract year. Or, B. If you have less than $2,500 in the Fixed Interest Account at the beginning of the contract year, you may transfer any amount from the Fixed Interest Account during that contract year.. PROSPECTUS RECEIPT CONFIRMATION For registered contracts, this material must be preceded by or accompanied by a current prospectus. By signing the Participant Enrollment Form, you acknowledge receipt of a current electronic prospectus or a paper version of the prospectus, of the OneAmerica Series Fund, Inc., the AUL American Unit Trust and for any other Mutual Fund being purchased by the Unit Trust for your variable annuity account or variable insurance portfolio. If an electronic copy of the prospectus was received, you further acknowledge that you have access to a CD-ROM drive in order to view the prospectus. Payment and values provided by the contract when based on investment performance of the Unit Trust are variable and are not guaranteed as to unit value. For 403(b) or 401/403(b) plans, you further acknowledge that you understand the restrictions on distributions from a 403(b) tax deferred annuity as set out in Section 403(b)(11) of the Internal Revenue Code and in the current AUL American Unit Trust Prospectus. For 457 or 401/457 plans, you further acknowledge that you understand the restrictions on distributions from a 457 deferred compensation plan as set out in Section 457 of the Internal Revenue Code and in the current AUL American Unit Trust Prospectus. R-20340. Page 1 of 2. R-20340 2/2/10. 23.

(26) CATCH-UP CONTRIBUTIONS By signing the Participant Enrollment Form, if allowed by your plan, you understand that 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. Furthermore, you understand that for any calendar year you have made 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. ADDITIONAL PLAN SPECIFIC PROVISIONS OR LIMITATIONS MAY APPLY. PLEASE REFER TO YOUR SUMMARY PLAN DESCRIPTION (SPD) OR CONTACT YOUR PLAN ADMINISTRATOR FOR ASSISTANCE.. STATE NOTIFICATION State Specific Fraud Warning Notices for Retirement Services Contract Applications All States Not Listed Below: Any person who knowingly presents a false for fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties. Colorado: It is unlawful to knowingly provide false, incomplete or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment or fines, denial of insurance and civil damages. Any insurance company or representative of an insurance company who knowingly provides false, incomplete or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the department of regulatory agencies. District of Columbia, Maryland: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Florida: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree. Georgia, Vermont: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and 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 files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime. Maine, Tennessee, Virginia, Washington: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or denial of insurance benefits. New Jersey: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal civil 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 misleading information is guilty of a felony. Pennsylvania: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. Rhode Island: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.. 24. R-20340. Page 2 of 2. R-20340 2/2/10.

(27) Participant Beneficiary Designation Form. Products and financial services provided by American United Life Insurance Company® a OneAmerica® company One American Square, P.O. Box 6011 Indianapolis, IN 46206-6011 1-800-249-6269. Instructions For Participants 1. Read carefully the “Information for Plan Participant” section. 2. If you wish to designate a beneficiary, complete the “Beneficiary Designation” section. 3. Sign and date the form at the bottom of the last page. 4. Keep a copy of this form for your records, and return the original to your plan administrator.. Information For Plan Participant Trust Information If your beneficiary is a trust, there shall be no obligation to inquire into the terms of the trust, and payment of the proceeds as provided in the designation will be a full discharge from all liability. If, before payment of the proceeds 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 the trust has been created by a will but fails to come into existence for any reason, the proceeds shall be paid to the next class of beneficiary or to your estate, if there is no such beneficiary. If your beneficiary is to be a living trust, provide the name and location of the trustee and the name and date of the trust agreement.. Community Property Information Only applicable in: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin. If there has been no previous written notice of a community property interest, then anyone acting on the information contained herein shall be entitled to rely on his/her good faith belief that no such interest exists. By signing this form, you agree to indemnify and hold any such person harmless from the consequences of his/her action. If there is previous written notice of a community property interest, spousal consent if required. This indemnification shall apply to any later 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 divorced; 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.. Participant Name: Social Security Number:. Birth Date:. Plan Name:. Plan Number:. (Page 1 of 2). P-15967. 12/6/07. 25.

(28) Beneficiary Designation Complete this section to designate a beneficiary or beneficiaries. Enter full names, relationship to you (for example, spouse, child, grandchild, etc.) and date of birth (DOB). Indicate any that apply: Initial Election Change Receiving Annuity Payments Benefits are payable to the survivors within the highest class (first, second or third) in equal shares unless specified otherwise here. The rights of other beneficiaries shall terminate upon such payment. The beneficiary or beneficiaries for the benefit payable at my death should be as follows: First Beneficiary(ies) 1. NAME (FIRST, M.I., LAST) ADDRESS. SOC. SEC. #. RELATIONSHIP. DOB. RELATIONSHIP. DOB. ADDRESS. SOC. SEC. #. RELATIONSHIP. DOB. ADDRESS. M. F. M. F. CITY, STATE, ZIP. 3. NAME (FIRST, M.I., LAST). F. CITY, STATE, ZIP. 2. NAME (FIRST, M.I., LAST). M. SOC. SEC. # CITY, STATE, ZIP. If no first beneficiary is living at the time of the participant’s death, proceeds shall be paid to the second beneficiary. Second Beneficiary(ies) 1. NAME (FIRST, M.I., LAST) ADDRESS. SOC. SEC. #. RELATIONSHIP. DOB. RELATIONSHIP. DOB. ADDRESS. SOC. SEC. #. RELATIONSHIP. DOB. ADDRESS. M. F. M. F. CITY, STATE, ZIP. 3. NAME (FIRST, M.I., LAST). F. CITY, STATE, ZIP. 2. NAME (FIRST, M.I., LAST). M. SOC. SEC. # CITY, STATE, ZIP. If no first or second beneficiary is living at the time of the participant’s death, proceeds shall be paid to the third beneficiary. Third Beneficiary(ies) 1. NAME (FIRST, M.I., LAST) ADDRESS. SOC. SEC. #. RELATIONSHIP. DOB. RELATIONSHIP. DOB. ADDRESS. SOC. SEC. #. RELATIONSHIP. DOB. ADDRESS. M. F. M. F. CITY, STATE, ZIP. 3. NAME (FIRST, M.I., LAST). F. CITY, STATE, ZIP. 2. NAME (FIRST, M.I., LAST). M. SOC. SEC. # CITY, STATE, ZIP. Participant Signature My signature here certifies that I am designating the beneficiary(ies) defined in the “Beneficiary Designation” section and that I agree to indemnify and hold harmless from the consequences of his/her action anyone acting on the information contained herein. Participant Signature: Date: REQUIRED TO BE COMPLETED IF ANY COMMUNITY PROPERTY EXISTS IN THIS POLICY. Marital Status: I am married (spouse’s signature required below) I am not married I consent to this Designation. Spouse’s Signature. Witness Signature (Required – Cannot be Participant) (Page 2 of 2). 26. P-15967. 12/6/07.

(29) Ivy Tech Community College Direct Transfers. Products and financial services provided by American United Life Insurance Company® a OneAmerica® company One American Square, P.O. Box 6011 Indianapolis, IN 46206-6011 1-800-249-6269. To initiate a transfer to American United Life Insurance Company® (AUL) from TIAA-CREF, please complete this form and forward to AUL at the above address. Please note, TIAA-CREF may require additional forms to process your transfer request. In order to expedite your transfer, please contact TIAA-CREF to obtain any additional forms necessary to process your request.. Section I: To Be Completed By Plan Participant I,. request a transfer into my AUL account #: G74532. Transfer From (Please mark one box). Transfer To (Please mark one box). SRA Account Transfer (intra-plan transfer) from an Internal Revenue Code 403(b)/TDA plan RA Account Transfer (intra-plan transfer) from an Internal Revenue Code 403(b)/TDA plan 457 Account Transfer from a governmental Code Section 457(b) plan. Code Section 403(b)/Tax Deferred Annuity (TDA) Governmental 457(b) plan. Current Carrier/Custodian Name: TIAA-CREF Transfer/Rollover Amount Requested % or $ Account Number Telephone Number: 1-800-842-2776 Street Address: 730 Third Avenue City, State, Zip: New York, NY 10017-3206 Estimated Total Transfer Amount up to $25,000 $25,000-$50,000 $50,000 and above. Section II: Signature Section. Participant Signature. Date. Social Security Number. Section III: Instructions To Current Carrier/Custodian Please send check to: American United Life Insurance Company® 5391 Reliable Parkway Chicago, IL 60686-0053 This document will act as a letter of acceptance and verification that these funds will be deposited into an American United Life Insurance Company® Group Annuity contract. This transaction is intended to qualify as a direct transfer/rollover and therefore not constitute actual or constructive receipt for Federal income tax purposes. Please provide the following for Code Section 403(b) plans 12/31/86 Balance $ This Transfer/Rollover is (Please complete all applicable) Pre-Tax Dollars After Tax Dollars. Authorized Home Office Representative Retirement Services Division American United Life Insurance Company®. 12/31/88 Balance $ $ $ $. Pre-Tax Dollars Amount After-Tax Dollars Amount After-Tax Earnings. Date. R-20716. 12/4/08. 27.

(30) 28.

(31) Annualized performance as of 10/31/2011 Investment Option (internal code). Investment Type. Exp. Ratio YTD. Fix Int/Stable Value/Cash OneAmerica Money Market (A4). Cash. Short-Term Bonds Vanguard Short-Term Federal (V1). Short Term Govt Bond. 0.22. Intermediate-Term Bonds PIMCO Total Return (Q4). Int Term Bond. Balanced AmCent Strategic Alloc Aggres (MA) AmCent Strategic Alloc Conser (MC) AmCent Strategic Alloc Mod (MB). 0.53 - 1.04 Money Market Current Yield - 1.24. 1 Year. 3 Year. 5 Year. 10 Year or INV Option Inception Inception. - 1.24. - 1.15. 0.30. 0.46. 04/12/1990. 1.41. 0.09. 2.87. 3.38. 2.61. 12/31/1987. 1.10. 1.69. - 0.63. 8.57. 5.92. 4.40. 12/31/2002. Balanced Balanced Balanced. 1.21 1.02 1.08. - 1.52 2.44 0.24. 3.41 4.36 3.74. 10.38 7.89 9.44. 1.48 2.45 1.98. 4.50 3.55 4.36. 02/15/1996 02/15/1996 02/15/1996. Large-Cap Stocks AmCent Equity Income (M7) MFS Value (U4) Amer Fds Fundamental Inv (8D) Fidelity VIP Contrafund (E8) State Street Equity 500 Index (X2). Large Cap Value Large Cap Value Large Cap Blend Large Cap Blend Large Cap Blend. 0.97 0.98 0.66 0.65 0.24. - 0.21 - 1.47 - 3.04 - 2.36 - 0.10. 4.70 4.41 2.81 5.31 6.34. 7.53 7.53 10.63 12.48 9.77. 0.24 - 1.13 - 0.19 0.48 - 1.15. 5.00 3.83 6.99 5.71 2.21. 08/01/1994 01/02/1996 07/25/2002 01/03/1995 08/27/1992. Mid-Cap Stocks Invesco Mid Cap Core Equity (H2) AmCent VP Capital Appreciation (M1). Mid Cap Blend Mid Cap Growth. 1.21 1.01. - 5.44 - 3.28. 0.70 5.38. 8.97 15.06. 1.60 7.02. 5.12 6.68. 06/09/1987 11/20/1987. Small-Cap Stocks AmCent Small Cap Value (M6) Vanguard VIF Small Comp Growth (V4). Small Cap Value Small Cap Growth. 1.42 0.43. - 8.59 1.77. 1.73 12.42. 14.51 19.44. 1.70 2.47. 7.47 5.77. 07/31/1998 06/03/1996. Foreign Stocks MFS Intl New Discovery (U1) Amer Fds EuroPacific Growth (8B). Foreign Sm/Mid Growth Foreign Blend. 1.45 0.85. - 7.23 -10.16. - 2.40 - 8.21. 18.02 10.46. 1.05 - 0.52. 9.86 6.18. 10/09/1997 06/07/2002. Specialty AmCent Real Estate (NJ). Specialty. 1.16. 9.62. 13.83. 14.55. - 3.67. 9.37. 09/21/1995. The above returns are historical and past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. The investment return and principal value of the investment accounts will fluctuate, so that a participant's units when redeemed may be worth more or less than their original cost. Any performance reported before AUL first offered an investment account is hypothetical and was calculated by adjusting the underlying fund's performance by current applicable contract charges. 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 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863. 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. Group variable annuity contracts issued by American United Life Insurance Company® (AUL) are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863, which is a wholly owned subsidiary of AUL. Qualified retirement plans from AUL are funded by an AUL group variable 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. Standardized Average Annual Returns are reported on a calendar quarter basis. The performance data is based on the date the investment account was first offered through the AUL American Unit Trust. These performance results show the percentage change on an annualized basis for each period with dividends, capital gains and income reinvested. The returns reflect the reduction of all recurring expenses. Additional risks associated with international investing include, but are not limited to, currency fluctuations, economic, political and social events, lack of liquidity, differences in accounting and the limited availability of information.. 29.

(32) Annualized performance as of 10/31/2011 Investment Option (internal code). Investment Type. Exp. Ratio YTD. 1 Year. 3 Year. 5 Year. 10 Year or INV Option Inception Inception. Emerging markets involve risks in addition to those generally associated with foreign securities, because political and economic structures in many emerging markets may be undergoing significant evolution and rapid development. Risks for micro, small and mid cap companies can include, for instance, business risks, increased volatility and reduced liquidity. Sector funds may experience greater short-term price volatility than more diversified equity funds, and are most suitable for the aggressive portion of an investment portfolio. Investors cannot invest directly in any index.. 30.

(33) Standardized performance as of 09/30/2011 Investment Option (internal code). Investment Type. Exp. Ratio YTD. Fix Int/Stable Value/Cash OneAmerica Money Market (A4). Cash. Short-Term Bonds Vanguard Short-Term Federal (V1). Short Term Govt Bond. 0.22. Intermediate-Term Bonds PIMCO Total Return (Q4). Int Term Bond. Balanced AmCent Strategic Alloc Aggres (MA) AmCent Strategic Alloc Conser (MC) AmCent Strategic Alloc Mod (MB). 0.53 - 0.93 Money Market Current Yield - 1.24. 1 Year. 3 Year. 5 Year. 10 Year or AUL Inception Inception. - 1.24. - 1.10. 0.38. 0.48. 04/12/1990. 1.44. 0.49. 2.83. 3.46. 2.72. 05/01/2001. 1.10. 0.46. - 0.96. 7.75. 5.75. 4.30. 10/01/2003. Balanced Balanced Balanced. 1.21 1.02 1.08. -10.17 - 2.91 - 7.02. - 2.84 0.67 - 1.21. 1.43 3.02 2.29. 0.17 1.69 0.91. 3.35 3.02 3.44. 06/01/2002 06/01/2002 06/01/2002. Large-Cap Stocks AmCent Equity Income (M7) MFS Value (U4) Amer Fds Fundamental Inv (8D) Fidelity VIP Contrafund (E8) State Street Equity 500 Index (X2). Large Cap Value Large Cap Value Large Cap Blend Large Cap Blend Large Cap Blend. 0.97 0.98 0.66 0.65 0.24. - 7.24 -11.51 -12.66 -11.72 - 9.78. - 0.76 - 3.55 - 4.08 - 1.16 - 0.49. 0.56 - 2.31 - 0.34 1.65 - 0.10. - 0.70 - 2.62 N/A - 0.83 - 2.54. 4.27 2.03 - 2.21 4.73 1.34. 05/01/2001 06/01/2002 10/23/2006 04/28/1995 05/01/1993. Mid-Cap Stocks Invesco Mid Cap Core Equity (H2) AmCent VP Capital Appreciation (M1). Mid Cap Blend Mid Cap Growth. 1.21 1.01. -14.23 - 14.10. - 6.95 - 1.88. - 1.35 3.32. 0.17 5.29. 3.02 5.49. 06/01/2002 05/01/1994. Small-Cap Stocks AmCent Small Cap Value (M6) Vanguard VIF Small Comp Growth (V4). Small Cap Value Small Cap Growth. 1.42 0.43. -19.31 -11.99. - 7.68 1.38. 2.10 N/A. - 0.06 N/A. 6.58 4.90. 05/01/2001 05/27/2010. Foreign Stocks MFS Intl New Discovery (U1) Amer Fds EuroPacific Growth (8B). Foreign Sm/Mid Growth Foreign Blend. 1.45 0.85. -14.36 -18.13. - 6.71 -13.76. 5.50 - 0.75. 0.22 N/A. 7.78 - 2.31. 06/01/2002 10/23/2006. Specialty AmCent Real Estate (NJ). Specialty. 1.16. - 4.71. 3.47. - 5.27. N/A. - 7.14. 05/24/2007. The above returns are historical and past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. The investment return and principal value of the investment accounts will fluctuate, so that a participant's units when redeemed may be worth more or less than their original cost. Any performance reported before AUL first offered an investment account is hypothetical and was calculated by adjusting the underlying fund's performance by current applicable contract charges. 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 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863. 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. Group variable annuity contracts issued by American United Life Insurance Company® (AUL) are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863, which is a wholly owned subsidiary of AUL. Qualified retirement plans from AUL are funded by an AUL group variable 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. Standardized Average Annual Returns are reported on a calendar quarter basis. The performance data is based on the date the investment account was first offered through the AUL American Unit Trust. These performance results show the percentage change on an annualized basis for each period with dividends, capital gains and income reinvested. The returns reflect the reduction of all recurring expenses. Additional risks associated with international investing include, but are not limited to, currency fluctuations, economic, political and social events, lack of liquidity, differences in accounting and the limited availability of information.. 31.

(34) Standardized performance as of 09/30/2011 Investment Option (internal code). Investment Type. Exp. Ratio YTD. 1 Year. 3 Year. 5 Year. 10 Year or AUL Inception Inception. Emerging markets involve risks in addition to those generally associated with foreign securities, because political and economic structures in many emerging markets may be undergoing significant evolution and rapid development. Risks for micro, small and mid cap companies can include, for instance, business risks, increased volatility and reduced liquidity. Sector funds may experience greater short-term price volatility than more diversified equity funds, and are most suitable for the aggressive portion of an investment portfolio. Investors cannot invest directly in any index.. 32.

(35) Release Date: 06-30-2011. AUL Fixed Interest Account. .................................................................................................................................................................................................................................................................................................................................................... Overall Morningstar Rating™ Morningstar Return Morningstar Risk. .. . Investment Strategy from investment's prospectus This 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. Category Description: Stable Value. Stable-value portfolios seek to provide income while preventing price fluctuations. The most common stable-value portfolios invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to guarantee against fluctuations in their share prices. These wrapper agreements typically provide price stability on a day-to-day basis, thereby insulating each portfolio's net asset value from interest-rate volatility. Therefore, their true overall durations are effectively zero. What do Stable Value Funds Invest in?. Stable Value funds tend to invest in high-quality bonds with short- to intermediate-term maturities. They also purchase insurance contracts which aim to provide price stability on a day-to-day basis. The horizontal axis of the Morningstar fixed-income Style Box shows duration, a measure of how a fund's price will change in response to interest-rate changes. Because stable value funds insurance contracts usually prevent any fluctuations in the funds prices, these funds are insulated from interest-rate volatility and their duration is effectively zero. The Style Box represents a typical stable value fund and is not based on specific information from this particular fund.. Portfolio Analysis as of 06-30-11 Composition as of 06-30-11. % Assets. Bond Cash Commingled Mortgages. 81.60 1.20 13.30. Top 20 Holdings as of 03-31-11. 0.48 0.27 0.25 0.25 0.24. Fmr 144A 6.5% 12-14-40 Lake County Trust GNMA CMO 5.5% 10-16-22 Catholic Healthcare West Sr Notes 05-28-18 GNMA CMO 5.5% 04-20-35. 0.24 0.24 0.22 0.21 0.21. Illinois Tool Wks 6.25% 04-01-19 Medco Health Solutions 7.125% 03-15-18 Tyco Intl Ltd / Tyco Intl Fin 6.875% 01-15-21 Western Un 5.93% 10-01-16 BlackRock Liquidity TempFund Instl. 0.21 0.21 0.21 0.21 0.20. FNMA CMO 4% 03-25-19 Fonterra Co-Operative Grp Ltd Sr Notes 05-29-18 GNMA CMO 5.5% 07-16-37 Siemens Fin Nv 144A 6.125% 08-17-26 Timberstar Tr 2006-1 CMO 5.668% 10-15-36. 0.20 0.20 0.20 0.20 0.20. ............................................................................................................ Avg Eff Duration Avg Eff Maturity Avg Wtd Coupon Avg Wtd Price. 5.12 7.37 5.85 175.35. Market Sectors as of 06-30-11. % Fund. Consumer Non Cyclicals Electric Capital Goods Natural Gas Communications. 14.47 11.11 10.75 7.12 5.84. Credit Analysis as of 03-31-11. % Bonds. AAA AA A BBB BB B Below B NR/NA. ............................................................................................................ ............................................................................................................ -100. -50. 0. 50. 16 6 26 33 3 0 0 15. 100. ............................................................................................................ Total Number of Stock Holdings Total Number of Bond Holdings Annual Turnover Ratio % Total Fund Assets ($mil). 45 1321 . .. Operations Redemption Fee Admin Cost Advisor. . . .. Portfolio Manager(s). Volatility Analysis Moderate. F-I Statistics as of 03-31-11. % Assets. FHLB GNMA CMO 5% 07-20-35 Dreyfus Treasury & Agency Csh Mgmt Instl Fifth Third US Treasury MMkt I Amer Tower Tr 2007-1 CMO 5.4197% 04-15-37. No manager information is available.. Low. .. High. Category. The volatility measure is not displayed for investments with fewer than three years of history. The category average, however, is shown above.. ©2011 Morningstar, Inc., Morningstar Investment Profiles™ 312-696-6000. 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. Notes Qualified retirement plans from American United Life Insurance Company® (AUL) are funded by an AUL group variable 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. Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, INC., Members FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863, which is a wholly owned subsidiary of AUL. For registered products, this material must be preceded or accompanied by prospectuses. For a current prospectus on these variable annuities and prospectuses for the underlying investment options, which contain more complete information including mortality and expense risk charges, administrative costs, portfolio management fees, risks and limitations, please contact your representative or the company. The investment option is not FDIC insured, may lose value and is not guaranteed by a bank or other financial institution. Please read the prospectus carefully before you invest or send money. Products and financial services provided by American United Life Insurance Company®, a OneAmerica company. Please refer to the Disclosure document for transfer restrictions from the AUL Fixed Interest Account. R-13396. 33.

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