Investment options are offered through a group variable annuity contract (Forms 902-GAQC-09 or 902-GAQC-09(CT) or 902-GAQC-09(OR)) underwritten by United of Omaha Life Insurance Company for contracts issued in all states except New York. United of Omaha Life Insurance Company, Omaha, NE 68175 is not licensed in New York. In New York, Companion Life Insurance Company, Hauppauge, NY 11788 underwrites the group variable annuity (Form 900-GAQC-07(NY)). Each company accepts full responsibility for each of their respective contractual obligations under the contract but does not guarantee any contributions or investment returns except as to the Guaranteed Account and the Lifetime Guaranteed Income Account as provided under the contract. Neither United of Omaha Life Insurance Company, Companion Life Insurance Company, nor their representatives or affiliates offers investment advice in connection with the contract.

AFN40101-0411

Amount shown is an estimate and (i) is based upon participant's date of birth, (ii) assumes participant is fully vested pursuant to the terms of the plan, (iii) assumes participant will retire and commence benefits at age 65, or if older than 65, assumes current age, and (iv) is calculated based upon the contribution amount entered above. Amount shown may be adjusted to account for any forfeited amounts. Retirement age of 65 is used for illustrative purposes only; plan provisions control participant's eligibility for retirement and early or late retirement will cause the guaranteed benefit to differ. Amounts shown are for illustrative purposes only and are based on current annuity purchase factors. Annuity purchase factors are subject to change for future contributions. Please refer to your Summary Plan Description for additional information regarding contribution limits, vesting schedule and eligibility requirements for distribution and contact your plan administrator with any questions.