# EDGAR Filing Document

**Accession Number:** 0002041358
**File Stem:** 0001193125-26-176536
**Filing Date:** 2026-4
**Character Count:** 35871
**Document Hash:** 7de025bf13f1fde614eeab134a9e8560
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-176536.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001193125-26-176536

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**EFFECTIVENESS DATE**: 20260424

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** USL Separate Account RS
- **CENTRAL INDEX KEY:** 0002041358

**ORGANIZATION NAME:**
- **EIN:** 135459480
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-283470
- **FILM NUMBER:** 26892230

**BUSINESS ADDRESS:**
- **STREET 1:** 1133 AVENUE OF THE AMERICAS
- **STREET 2:** 33RD FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 2125515440

**MAIL ADDRESS:**
- **STREET 1:** 1133 AVENUE OF THE AMERICAS
- **STREET 2:** 33RD FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036

## Series and Classes Contracts Data

### USL Separate Account RS (Series ID: S000090299)

| Class ID   | Class Name               | Ticker Symbol   |
|:---|:---|:---|
| C000257296 | Portfolio Director NY SP |  |

**The United States Life Insurance Company in the City of New York**

**Portfolio Director**<sup>®</sup> **NY SP**

For Series 11.80

**Updating Summary Prospectus** <br>**May 1, 2026**

This summary prospectus summarizes key features of the Portfolio Director<sup>®</sup> NY SP Series, comprising group variable deferred annuity contracts issued by The United States Life Insurance Company in the City of New York. The prospectus for the [Contract](#bookmark_contract_5f0b27f3-1935-4f05-8a24-c693ae15fcf4)contains more information about the Contract's features, benefits, and risks. You can find the current prospectus and other information about the Contract online at www.corebridgefinancial.com/rs/suny/prospectus-and-reports. You can also obtain this information at no cost by calling us at 1-800-448-2542, or by writing to our Annuity Service Center, P.O. Box 15648, Amarillo, Texas 79105.

\* \* \* \* \* \* \* \* \* \* \* \*

The Contract is available to participants who receive certificates in certain employer-sponsored qualified retirement plans. The Contracts permit Participants to invest in and receive retirement benefits in one or more Fixed Account Options and/or an array of Variable Investment Options described in this prospectus. This Contract is part of your employer's retirement program which will describe which Variable Investment Options are available to you.

**The Contract is a complex investment and involves risks that may cause the value of the Contract Owner's investment to fluctuate including potential loss of principal. When the Contract is surrendered, the value may be higher or lower than the Purchase Payments. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in surrender charges, taxes, and tax penalties, as applicable. Any amounts or obligations that we may pay are subject to our financial strength, claims-paying ability, and our long-term ability to make such payments**.

The Contract may be used where you have engaged an Investment Adviser to provide investment advice regarding the periodic allocation of investments within the Contract. We call this an "Advisory Program." The Investment Adviser must be our affiliate, VALIC Financial Advisors ("VFA"), Inc., a registered investment adviser. The Investment Adviser will charge a fee for such services, and any fee is in addition to the Contract's fees and expenses.

Investment adviser fees deducted from the Contract may reduce the death benefit and annuity benefits, and may be subject to surrender charges, federal and state income taxes and a 10% federal penalty tax.

**An employer purchasing the Contract for a retirement plan may cancel a newly purchased Contract within 20 days of receiving it without paying fees or penalties.**

In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply. The right of cancellation under this Contract does not apply to Participants in a group plan except in a limited number of states.

\* \* \* \* \* \* \* \* \* \* \* \*

Additional information about certain investment products, including variable annuities, has been prepared by the SEC's staff and is available at www.Investor.gov.

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**Special Terms Used in this Summary Prospectus**

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|:---|:---|
| **Account Value** | &nbsp;&nbsp; The total sum of your Variable Investment Option(s) and/or Fixed Account Option(s) that has not yet <br> been applied to your annuity payments.<br>|

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| **Advisory Program** | &nbsp;&nbsp; The investment advice service provided by your Investment Adviser. Guided Portfolio Advantage<sup>SM</sup> / <br> Guided Portfolio Services<sup>®</sup> are the financial advice services offered by our affiliate, VALIC Financial <br> Advisors, Inc., a registered investment adviser and Company subsidiary (VFA). A separate investment <br> advisory fee and agreement are required for either of these services, if available under an employer's <br> retirement plan. Alternatively, you may have enrolled in an Advisory Program offered by a third-party <br> investment adviser who is not affiliated with us. There may also be an advisory fee required by that <br> adviser. You should ask your investment adviser about any fees charged for investment advice <br> provided. *For new investors, we no longer honor investment adviser transfer requests in connection* <br> *with Advisory Programs that are offered through third-party Investment Advisers.*<br>|

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| **Contract** | &nbsp;&nbsp; The group fixed and variable deferred annuity contracts summarized in this summary prospectus and <br> described in more detail in the prospectus.<br>|

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| **Fixed Account Option** | &nbsp;&nbsp; An account that is guaranteed to earn at least a minimum rate of interest while invested in USL's <br> general account.<br>|

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| **Fixed Account Plus** | A type of Fixed Account Option under the Contract. |

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|:---|:---|
| **Investment Adviser** | &nbsp;&nbsp; The investment adviser that you have engaged to provide services as part of an Advisory Program. The <br> investment adviser may have been engaged through a third party. For new investors, we only support <br> Advisory Programs that are offered through our affiliate, VALIC Financial Advisors ("VFA"), Inc., a <br> registered investment adviser and our subsidiary. There are typically advisory fees associated with an <br> Advisory Program. Those fees are separate from the Contract's fees and charges.<br>|
|  | &nbsp;&nbsp; USL is not an investment adviser to any Advisory Program and does not provide any advice under an <br> Advisory Program.<br>|

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| **Market Close** | &nbsp;&nbsp; The close of regular trading on the NYSE, generally 4:00 p.m., Eastern Time, on each day the NYSE is <br> open for business.<br>|

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|:---|:---|
| **Platform Charge** | &nbsp;&nbsp; A fee we charge in order to make certain underlying Portfolio Companies available as an investment <br> option under the Contract.<br>|

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| **Portfolio Company** | &nbsp;&nbsp; The investment portfolio(s) of a registered open-end management investment company, which serves <br> as the underlying investment vehicle for each Division represented in USL Separate Account RS. Also <br> referred to as Mutual Fund or Fund.<br>|

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| **Purchase Payment** | An amount of money you or your employer pay to USL to receive the benefits of a Contract. |

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|:---|:---|
| **Short-Term Fixed Account** | A type of Fixed Account Option under the Contract. |

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|:---|:---|
| **USL (we, us, our)** | The United States Life Insurance Company in the City of New York. |

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|:---|:---|
| **Variable Investment** <br> **Option (or Division)**<br>| &nbsp;&nbsp; Any variable investment option under the Contract. Each Variable Investment Option invests in the <br> shares of a single Fund.<br>|

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**Updated Information About Your Contract**

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There were no material changes to the Contract features since the prospectus dated September 8, 2025.

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**Key Information** 

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**Important Information You Should Consider About the Contract** 

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|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **Location in** <br>**Prospectus**<br>|
| **Are There Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| **No**. There are no surrender or withdrawal charges under the Contract. | **No**. There are no surrender or withdrawal charges under the Contract. | **No**. There are no surrender or withdrawal charges under the Contract. | &nbsp;&nbsp; **Fee Table**<br>**Charges and** <br> **Adjustments –** <br> **Surrender Charge**<br>|
| **Are There Transaction** <br> **Charges?**<br>| &nbsp;&nbsp;&nbsp; **Yes**. You may be charged for other transactions other than surrenders.<br> •In certain states, you may be subject to a loan application fee and loan <br> interest if you request a loan under the Contract.<br>•If you transfer amounts from the Fixed Account Plus option to another <br> investment option under the Contract (or to another funding entity while <br> you are still employed with the group) in excess of the annual limit, you <br> may be subject to a charge of 5% on the excess amount transferred.<br>•There may also be taxes on Purchase Payments. | &nbsp;&nbsp;&nbsp; **Yes**. You may be charged for other transactions other than surrenders.<br> •In certain states, you may be subject to a loan application fee and loan <br> interest if you request a loan under the Contract.<br>•If you transfer amounts from the Fixed Account Plus option to another <br> investment option under the Contract (or to another funding entity while <br> you are still employed with the group) in excess of the annual limit, you <br> may be subject to a charge of 5% on the excess amount transferred.<br>•There may also be taxes on Purchase Payments. | &nbsp;&nbsp;&nbsp; **Yes**. You may be charged for other transactions other than surrenders.<br> •In certain states, you may be subject to a loan application fee and loan <br> interest if you request a loan under the Contract.<br>•If you transfer amounts from the Fixed Account Plus option to another <br> investment option under the Contract (or to another funding entity while <br> you are still employed with the group) in excess of the annual limit, you <br> may be subject to a charge of 5% on the excess amount transferred.<br>•There may also be taxes on Purchase Payments. | &nbsp;&nbsp; **Fee Table**<br>**Charges and** <br> **Adjustments**<br>|
| **Are There Ongoing** <br> **Fees and Expenses?**  | &nbsp;&nbsp; **Yes**. The table below describes the fees and expenses that you may pay *each* <br> *year*, depending on the options you choose. Please refer to your Contract <br> specifications page for information about the specific fees you will pay each <br> year based on the options you have elected. The fees and expenses do not <br> reflect any advisory fees paid to an investment adviser from the Contract. If <br> such charges were reflected, the fees and expenses would be higher. Interest <br> on Contract loans is not reflected below. | &nbsp;&nbsp; **Yes**. The table below describes the fees and expenses that you may pay *each* <br> *year*, depending on the options you choose. Please refer to your Contract <br> specifications page for information about the specific fees you will pay each <br> year based on the options you have elected. The fees and expenses do not <br> reflect any advisory fees paid to an investment adviser from the Contract. If <br> such charges were reflected, the fees and expenses would be higher. Interest <br> on Contract loans is not reflected below. | &nbsp;&nbsp; **Yes**. The table below describes the fees and expenses that you may pay *each* <br> *year*, depending on the options you choose. Please refer to your Contract <br> specifications page for information about the specific fees you will pay each <br> year based on the options you have elected. The fees and expenses do not <br> reflect any advisory fees paid to an investment adviser from the Contract. If <br> such charges were reflected, the fees and expenses would be higher. Interest <br> on Contract loans is not reflected below. | &nbsp;&nbsp; **Charges and** <br> **Adjustments** |
| **Are There Ongoing** <br> **Fees and Expenses?**  | **Annual Fee** | **Minimum** | **Maximum** | &nbsp;&nbsp; **Charges and** <br> **Adjustments** |
| **Are There Ongoing** <br> **Fees and Expenses?**  | Base Contract<sup>1</sup> <br>| 0.20% | 0.20% | &nbsp;&nbsp; **Charges and** <br> **Adjustments** |
| **Are There Ongoing** <br> **Fees and Expenses?**  | &nbsp;&nbsp; Portfolio Company fees and <br> expenses<sup>2</sup> <br>| 0.015% | 0.89% | &nbsp;&nbsp; **Charges and** <br> **Adjustments** |
| **Are There Ongoing** <br> **Fees and Expenses?**  | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net asset value allocated to a Variable <br> Account Option.<br> <sup>2</sup> As a percentage of Portfolio Company net assets. | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net asset value allocated to a Variable <br> Account Option.<br> <sup>2</sup> As a percentage of Portfolio Company net assets. | &nbsp;&nbsp; <sup>1</sup> As a percentage of average daily net asset value allocated to a Variable <br> Account Option.<br> <sup>2</sup> As a percentage of Portfolio Company net assets. | &nbsp;&nbsp; **Charges and** <br> **Adjustments** |
| **Are There Ongoing** <br> **Fees and Expenses?**  | &nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay *each* <br> *year*, based on current charges. This estimate assumes that you do not take <br> withdrawals from the Contract, **which could add surrender charges that** <br> **substantially increase costs**. | &nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay *each* <br> *year*, based on current charges. This estimate assumes that you do not take <br> withdrawals from the Contract, **which could add surrender charges that** <br> **substantially increase costs**. | &nbsp;&nbsp; Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay *each* <br> *year*, based on current charges. This estimate assumes that you do not take <br> withdrawals from the Contract, **which could add surrender charges that** <br> **substantially increase costs**. | &nbsp;&nbsp; **Charges and** <br> **Adjustments** |
| **Are There Ongoing** <br> **Fees and Expenses?**  | **Lowest Annual Cost: $220** | **Highest Annual Cost: $1,111** | **Highest Annual Cost: $1,111** | &nbsp;&nbsp; **Charges and** <br> **Adjustments** |
| **Are There Ongoing** <br> **Fees and Expenses?**  | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Least expensive combination of <br> Contract Classes and Portfolio <br> Company fees and expenses<br> •No optional benefits<br> •No sales charge or advisory fees<br> •No additional Purchase Payments, <br> transfers, or withdrawals<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> Contract Classes, optional <br> benefits, and Portfolio Company <br> fees and expenses<br> •No sales charge or advisory fees<br> •No additional Purchase Payments, <br> transfers, or withdrawals | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> Contract Classes, optional <br> benefits, and Portfolio Company <br> fees and expenses<br> •No sales charge or advisory fees<br> •No additional Purchase Payments, <br> transfers, or withdrawals | &nbsp;&nbsp; **Charges and** <br> **Adjustments** |

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|  | **RISKS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Is There a Risk of Loss** <br> **from Poor** <br> **Performance?** <br>| &nbsp;&nbsp; **Yes**. You can lose money by investing in this Contract, including your <br> principal investment. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **Is this a Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp;&nbsp; •**No**. This Contract is not designed for short-term investing and is not <br> appropriate for an investor who needs ready access to cash.<br>•Withdrawals may reduce or terminate Contract guarantees and may result <br> in taxes and tax penalties.<br>•If you select the Fixed Account Plus option for investment, your ability to <br> transfer amounts from that option is subject to an annual limit. It may take <br> several years to transfer all amounts from the Fixed Account Plus option. If <br> you transfer amounts from the Fixed Account Plus option in excess of that <br> annual limit (including withdrawals from the Fixed Account Plus option for <br> the purpose of transferring assets to another funding entity), you may be <br> subject to a charge.<br>•The benefits of tax deferral, if applicable, and long-term income mean the <br> Contract is generally more beneficial to investors with a long investment <br> time horizon. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **What Are the Risks** <br> **Associated with** <br> **Investment Options?**<br>| &nbsp;&nbsp;&nbsp; •An investment in this Contract is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> Investment Options available under the Contract.<br>•Each Variable Investment Option and each Fixed Account Option has its <br> own unique risks.<br>•You should review the Variable Investment Options and Fixed Account <br> Options before making an investment decision. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |
| **Whar Are the Risks** <br> **Related to the** <br> **Insurance Company?**<br>| &nbsp;&nbsp; An investment in the Contract is subject to the risks related to us, USL. Any <br> obligations (including under any Fixed Account Options), guarantees, and <br> benefits of the Contract are subject to the claims-paying ability of USL. If we <br> experience financial distress, we may not be able to meet our obligations to <br> you. More information about us, including our financial strength ratings, is <br> available upon request by calling 1-800-448-2542 or visiting <br> www.corebridgefinancial.com/rs. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract** |

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|  | **RESTRICTIONS** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **Are There Restrictions** <br> **on the Investment** <br> **Options?** <br>| &nbsp;&nbsp;&nbsp; •**Yes**. There are restrictions that may limit the Variable Investment Options <br> and Fixed Account Options that you may choose as well as limitations on <br> the transfer of the contract value among the Variable Investment Options <br> and Fixed Account Options. Certain Investment Options may not be <br> available under your Contract.<br>•You may transfer funds between the Investment Options, subject to certain <br> restrictions.<br>•If you are enrolled in an Advisory Program, you are personally prohibited <br> from making transfers among Investment Options in the Contract. During <br> such period, transfer instructions may only be provided by the Investment <br> Adviser. If you terminate the Advisory Program, you may make transfers <br> among the Investment Options subject to certain restrictions.<br>•Transfers between the Investment Options, as well as certain purchases <br> and redemptions, are subject to policies designed to deter market timing <br> and frequent transfers.<br>•Transfers to and from the Fixed Account Options are subject to special <br> restrictions.<br>•We reserve the right to remove or substitute Portfolio Companies as <br> Investment Options<br>•We reserve the right to stop accepting additional Purchase Payments  | &nbsp;&nbsp; **Variable Account** <br> **Options and Fixed** <br> **Account Options**<br>**Transfers Between** <br> **Investment Options**<br>|
| **Are There any** <br> **Restrictions on** <br> **Contract Benefits?**<br>| &nbsp;&nbsp;&nbsp; •If you are participating in an Advisory Program and your Investment <br> Adviser's fees are deducted from your Contract, the deduction of those <br> fees may reduce the death benefit and any other guaranteed benefit, and <br> may be subject to surrender charges, federal and state income taxes and a <br> 10% federal penalty tax. | &nbsp;&nbsp; **Advisory Program**<br>**Taxes**<br>|
|  | **TAXES** |  |
| **What Are the Contract's** <br> **Tax Implications?**<br>| &nbsp;&nbsp;&nbsp; •You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under the <br> Contract.<br>•If you purchase the Contract through a tax-qualified plan, there is no <br> additional tax benefit under the Contract.<br>•Withdrawals, including withdrawals to pay your Investment Adviser's fees, <br> may be subject to ordinary income tax. You may have to pay a tax penalty <br> if you take a withdrawal before age 59½. | **Taxes** |

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|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **Location in**<br> **Prospectus**<br>|
| **How Are Investment** <br> **Professionals** <br> **Compensated?** <br>| &nbsp;&nbsp; Your investment professional may receive compensation for selling this <br> Contract to you in the form of commissions, additional cash compensation, <br> and non-cash compensation. We may share the revenue we earn on this <br> Contract with your investment professional's firm, which may be an affiliate. <br> This conflict of interest may influence your investment professional to <br> recommend this Contract over another investment for which the investment <br> professional is not compensated or compensated less.<br> You may determine to engage our affiliate registered investment adviser, VFA, <br> to provide investment advice to you for the Contract. VFA will charge an <br> Advisory Program Fee. We do not set your investment advisory fee. While <br> USL will deduct the Advisory Program Fee from your Account Value based on <br> instructions from your Investment Adviser, we do not retain any portion of <br> these fees. USL, as an affiliate of VFA, will indirectly benefit from VFA's <br> receipt of Advisory Program Fees.<br> In addition, investment professionals and their managers are eligible for <br> benefits from us or our affiliates, such as non-cash compensation items.<br> One or more of these conflicts of interest may influence your investment <br> professional to recommend this Contract over another investment.  | &nbsp;&nbsp; **Description of** <br> **Insurance Company,** <br> **Registered Separate** <br> **Account, and** <br> **Investment Options**<br>**Advisory Program** |
| **Should I Exchange My** <br> **Contract?** <br>| &nbsp;&nbsp; Some investment professionals may have a financial incentive to offer you a <br> new contract in place of the one you already own. You should only exchange <br> a contract you already own only if you determine, after comparing the <br> features, fees, and risks of both contracts as well as any fees or penalties to <br> terminate the existing contract, that it is preferable for you to purchase the <br> new contract rather than continue to own your existing contract. | &nbsp;&nbsp; **Description of** <br> **Insurance Company,** <br> **Registered Separate** <br> **Account, and** <br> **Investment Options**<br>**Advisory Program** |

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**Appendix A — Investment Options Available Under the Contract**

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**The availability of certain Portfolio Companies can vary based on your employer. Refer to your employer's retirement program documents for a list of the employer-selected Portfolio Companies available in your Contract and any limitations on the number of Portfolio Companies you may choose. All Portfolio Companies may not be available for all plans or Contracts.**

The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.corebridgefinancial.com/rs/suny/prospectus-and-reports. You can also request this information at no cost by calling 1-800-448-2542.

The current expenses and performance information below reflect fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

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| **Type/Investment** <br> **Objective** | **Portfolio Company and Adviser/Subadviser**<sup>1</sup>  | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2025)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2025)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2025)** |
| **Type/Investment** <br> **Objective** | **Portfolio Company and Adviser/Subadviser**<sup>1</sup>  | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 Year** | **5 Year** | &nbsp;&nbsp; **10 Year**<br> **(or life of fund)**<br>|
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2020 Fund<br> *Adviser*: *The Vanguard Group, Inc*.<br>| 0.08% | 12.15% | 4.77% | 6.87% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2025 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 14.60% | 5.90% | 7.87% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2030 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 16.24% | 6.83% | 8.66% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2035 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 17.54% | 7.71% | 9.40% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2040 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 18.76% | 8.57% | 10.13% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2045 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 19.99% | 9.41% | 10.74% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2050 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 21.41% | 9.95% | 11.02% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2055 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 21.43% | 9.96% | 11.02% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2060 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 21.42% | 9.96% | 11.02% |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2065 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 21.43% | 9.98% | 10.62%\* |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement 2070 Fund<br> *Adviser: Vanguard*<br>| 0.08% | 21.42% | N/A | 16.13%\* |
| **Target Date Funds** | &nbsp;&nbsp; Vanguard Target Retirement Income Fund<br> *Adviser: Vanguard*<br>| 0.08% | 11.31% | 3.82% | 5.33% |

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|:---|:---|:---|:---|:---|:---|
| **Type/Investment** <br> **Objective** | **Portfolio Company and Adviser/Subadviser**<sup>1</sup> | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2025)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2025)** | &nbsp;&nbsp; **Average Annual Total Returns**<br> **(as of Dec. 31, 2025)** |
| **Type/Investment** <br> **Objective** | **Portfolio Company and Adviser/Subadviser**<sup>1</sup> | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 Year** | **5 Year** | &nbsp;&nbsp; **10 Year**<br> **(or life of fund)**<br>|
| **Index Funds** | &nbsp;&nbsp; Fidelity 500 Index<br> *Adviser: Fidelity Management & Research Company LLC*<br> *Sub-Adviser: Geode Capital Management, LLC*<br>| 0.015% | 17.86% | 14.41% | 14.81% |
| **Index Funds** | &nbsp;&nbsp; Vanguard FTSE Social Index I<br> *Adviser: Vanguard*<br>| 0.03% | 17.31% | 13.54% | 15.17% |
| **Index Funds** | &nbsp;&nbsp; Fidelity Mid Cap Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode* <br>| 0.025% | 10.57% | 8.67% | 11.01% |
| **Index Funds** | &nbsp;&nbsp; Fidelity Small Cap Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode*<br>| 0.025% | 12.93% | 6.20% | 9.76% |
| **Index Funds** | &nbsp;&nbsp; Fidelity Total International Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode*<br>| 0.06% | 32.62% | 7.87% | 8.40% |
| **Index Funds** | &nbsp;&nbsp; Fidelity U.S. Bond Index<br> *Adviser: Fidelity*<br> *Sub-Adviser: Geode*<br>| 0.03% | 7.13% | -0.43% | 1.96% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Allspring Core Plus Bond – Class R6<br> *Adviser: Allspring Funds Management, LLC*<br> *Sub-Adviser: Allspring Global Investments, LLC*<br>| 0.30% | 7.41% | 0.34% | 2.84% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; EUPAC Fund– Class R6<br> *Adviser: Capital Research and Management Company*<br>| 0.47% | 29.18% | 4.59% | 8.46% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Fidelity Advisor Focused Emerging Markets – Class Z<br> *Adviser: Fidelity*<br>| 0.80% | 40.26% | 5.47% | 10.71% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Fidelity Inflation-Protected Bond Index<br> *Adviser: Fidelity*<br>| 0.05% | 6.79% | 1.04% | 3.03% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Franklin Small Cap Value – Class R6<br> *Adviser: Franklin Mutual Advisers, LLC*<br>| 0.60% | 7.67% | 9.14% | 10.16% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Impax Global Environmental Markets – Institutional Class<br> *Adviser: Impax Asset Management LLC*<br> *Sub-Adviser: Impax Asset Management Ltd*.<br>| 0.89% | 13.97% | 5.84% | 9.97% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; JPMorgan Large Cap Growth – Class R6<br> *Adviser: J.P. Morgan Investment Management Inc.*<br>| 0.44% | 14.40% | 12.97% | 18.56% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Nuveen Core Impact Bond – Class R6<br> *Adviser: Teachers Advisors, LLC*<br>| 0.35% | -7.50% | -0.10% | 2.32% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Parnassus Core Equity – Investor Shares<br> *Adviser: Parnassus Investment, LLC*<br>| 0.81% | 11.64% | 11.41% | 13.32% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; PGIM High Yield – Class R6<br> *Adviser: PGIM Fixed Income*<br> *Sub-Adviser: PGIM Limited*<br>| 0.38% | 9.14% | 4.60% | 6.59% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; T. Rowe Price Diversified Mid-Cap Growth – I Class<br> *Adviser: T. Rowe Price Associates, Inc.*<br>| 0.67% | 10.54% | 7.36% | 12.95% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Vanguard Equity- Income – Admiral Shares<br> *Advisers: Vanguard and Wellington Management Company LLP*<br>| 0.17% | 17.22% | 12.82% | 11.73% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Vanguard Explorer – Admiral Shares<br> *Advisers: Vanguard, ArrowMark Colorado Holdings, LLC, ClearBridge Investments,* <br> *LLC, Stephens Investment Management Group, LLC, Wellington Management* <br> *Company LLP*<br>| 0.28% | 7.23% | 4.88% | 11.47% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Vanguard Federal Money Market – Investor Class<br> *Adviser: Vanguard*<br>| 0.11% | 4.22% | 3.20% | 2.14% |
| **Actively Managed** <br> **Funds** | &nbsp;&nbsp; Victory Sycamore Established Value – Class R6<br> *Adviser: Victory Capital Management Inc.*<br>| 0.54% | 2.68% | 9.95% | 10.98% |

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\* Since inception of the Portfolio Company

<sup>1</sup> The following adviser/sub-adviser abbreviations are used in this table:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fidelity – Fidelity Management & Research Company LLC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Geode – Geode Capital Management, LLC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Vanguard – The Vanguard Group

**Fixed Account Options** 

The following is a list of Fixed Account Options currently available under the Contract. We may change the features of the Fixed Account Options listed below, offer new Fixed Account Options, and terminate existing Fixed Account Options. We will provide you with written notice before doing so.

**Note: If amounts are withdrawn from a Fixed Account Option before the end of its term, we may apply a Contract Adjustment. This may result in a significant reduction in your Contract value.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate** |
| Fixed Account Plus | 1-Year | 1% |
| Short-Term Fixed | 1-Year | 1% |

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The Statement of Additional Information (SAI) contains additional information about the Contract, the Company, and the Separate Account, including financial statements. The SAI is dated the same date as this prospectus, and the SAI is incorporated by reference into this prospectus. To request a free copy of the SAI, to request other information about the Contract or to make investor inquiries, you may contact us by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mailing: Annuity Service Center, P.O. Box 15648, Amarillo, Texas 79105

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Calling: 1-800-448-2542

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Visiting: www.corebridgefinancial.com/rs/suny/prospectus-and-reports

You may also obtain reports and other information about the Separate Account on the SEC's website at www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

EDGAR Contract Identifier: C000257296

<sup>©</sup> 2026 Corebridge Financial, Inc.

All Rights Reserved.

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