# EDGAR Filing Document

**Accession Number:** 0000856341
**File Stem:** 0001104659-26-051698
**Filing Date:** 2026-4
**Character Count:** 753467
**Document Hash:** 3da1fc1913d57ea3c696ca489e0a0caf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-051698.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001104659-26-051698

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 18

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AUL AMERICAN UNIT TRUST
- **CENTRAL INDEX KEY:** 0000856341

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-05929
- **FILM NUMBER:** 26917861

**BUSINESS ADDRESS:**
- **STREET 1:** PO BOX 6148
- **CITY:** INDIANAPOLIS
- **STATE:** IN
- **ZIP:** 46206-6148
- **BUSINESS PHONE:** 317-285-1213

**MAIL ADDRESS:**
- **STREET 1:** PO BOX 6148
- **CITY:** INDIANAPOLIS
- **STATE:** IN
- **ZIP:** 46206-6148
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AUL AMERICAN UNIT TRUST
- **CENTRAL INDEX KEY:** 0000856341

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 033-31375
- **FILM NUMBER:** 26917860

**BUSINESS ADDRESS:**
- **STREET 1:** PO BOX 6148
- **CITY:** INDIANAPOLIS
- **STATE:** IN
- **ZIP:** 46206-6148
- **BUSINESS PHONE:** 317-285-1213

**MAIL ADDRESS:**
- **STREET 1:** PO BOX 6148
- **CITY:** INDIANAPOLIS
- **STATE:** IN
- **ZIP:** 46206-6148

## Series and Classes Contracts Data

### AUL AMERICAN UNIT TRUST (Series ID: S000012187)

| Class ID   | Class Name              | Ticker Symbol   |
|:---|:---|:---|
| C000033246 | AUL AMERICAN UNIT TRUST |  |

?xml version='1.0' encoding='ASCII'?

**File No. 033-31375**

**811-5929**

**As filed with the Securities and Exchange Commission on April 29, 2026**

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION** **Washington, D.C. 20549**

**FORM N-4**

**REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933** ☒

**Pre-Effective Amendment No.** ☐

**Post-Effective Amendment No. 62** ☒

**and/or**

**REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940** ☒

**AMENDMENT NO. 64**

(Check appropriate box or boxes)

**AUL AMERICAN UNIT TRUST**

(Exact Name of Registrant)

**AMERICAN UNITED LIFE INSURANCE COMPANY(R)**

(Name of Depositor)

**One American Square, Indianapolis, Indiana 46206-0368**

(Address of Depositor's Principal Executive Offices) (Zip Code)

Depositor's Telephone Number: **(317) 285-1880**

**Sean P. McGoff**

Chief Compliance Officer of the Separate Accounts

**American United Life Insurance Company One American Square Indianapolis, Indiana 46206-0368**

(Name and Address of Agent for Service)

It is proposed that this filing will become effective (Check appropriate Space)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ☐ immediately upon filing pursuant to paragraph (b) of Rule 485

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ☒ On May 1, 2026 pursuant to paragraph (b) of Rule 485

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ☐ 60 days after filing pursuant to paragraph (a)(1) of Rule 485

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ☐ on (date) pursuant to paragraph (a)(1) of Rule 485

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ☐ this post-effective amendment designates a new effective date for a previously filed amendment

Title of Securities Being Registered: Units of Interest in a Separate Account Under Variable Annuity Contracts.

PROSPECTUS FOR

AUL AMERICAN UNIT TRUST

![](j2630062_ac001.jpg)

*Products and financial services provided by:*

*American United Life Insurance Company<sup>®</sup>*

*a* OneAmerica Financial *company*

*P.O. Box 368, Indianapolis, Indiana 46206-0368*

*Telephone: (800) 249-6269*

THIS PROSPECTUS DOES NOT CONSTITUTE AN OFFERING IN ANY JURISDICTION IN WHICH SUCH OFFERING MAY NOT BE LAWFULLY MADE. NO PERSON IS AUTHORIZED TO MAKE ANY REPRESENTATIONS IN CONNECTION WITH THE OFFERING OTHER THAN THOSE CONTAINED IN THIS PROSPECTUS, THE STATEMENT OF ADDITIONAL INFORMATION, THE PROSPECTUSES OF THE FUNDS, OR THE STATEMENTS OF ADDITIONAL INFORMATION OF THE FUNDS.

May 1, 2026

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**Prospectus**

**AUL AMERICAN UNIT TRUST Group Variable Annuity Contracts**

**Offered By**

**American United Life Insurance Company<sup>®</sup> One American Square Indianapolis, Indiana 46206-0368 (800) 249-6269 — www.oneamerica.com**

*Annuity Service Officer Mailing Address: P.O. Box 6148, Indianapolis, Indiana 46206-6148*

The Date of this Prospectus is May 1, 2026.

This Prospectus describes group variable annuity contracts ("Contracts") offered by American United Life Insurance Company<sup>®</sup> ("AUL" or the "Company"). Any qualified Employer, trust, custodian, association, or other entity may enter into the contracts.

This Prospectus describes contracts that allow ongoing Contributions that can vary in amount and frequency ("Recurring Contribution Contracts") and contracts that allow only a single contribution to be made ("Single Contribution Contracts"). All of the contracts provide for the accumulation of values on a variable basis, a fixed basis, or both. The contracts also provide several options for fixed Annuity payments to begin on a future date.

A Participant may allocate Contributions to the AUL American Unit Trust, a separate account of AUL (the "Variable Account"). The Variable Account is divided into Investment Accounts. These Investment Accounts invest in the corresponding Funds listed in the Appendix: Funds Available Under the Contract.

A Contract Participant does not own shares of the Fund; instead, units in the Variable Account are credited to his or her Account. For example, if a Participant decides to allocate his or her Contributions to the Pioneer Equity Income Portfolio, units of that Investment Account would be credited to the Participant's Account based on the amount of those Contributions and the then-current Accumulation Unit Value of that Investment Account. The Variable Account would, in turn, buy shares of the Pioneer Equity Income Portfolio.

A Participant's Account Value will fluctuate depending on the investment performance of the underlying Fund. These amounts are not guaranteed. Alternatively, instead of allocating Contributions to the Variable Account, a Participant may allocate Contributions to AUL's Fixed Interest Account ("FIA") or Stable Value Account ("SVA"). A contract contains either the FIA or the SVA. Contributions to the FIA will earn interest at rates that are paid by AUL as described in "The Fixed Interest Account." Contributions to the SVA will earn interest at rates that are paid by AUL as described in the "The Stable Value Account." A Participant may allocate Contributions to one or more of the Investment Accounts, but not all of the Investment Accounts may be available under a specific contract. The Investment Accounts available under a contract depend on which Investment Accounts the Contract Owner chooses.

This Prospectus provides information about the contracts and the Variable Account that a prospective investor should know before investing. Additional information is contained in a Statement of Additional Information ("SAI") dated May 1, 2026, which has been filed with the Securities and Exchange Commission (the "SEC"). The SAI is incorporated by reference into this Prospectus. A prospective investor may obtain a copy of the SAI without charge by calling or writing AUL at the telephone number or address indicated above.

If you are a new investor in the contract, you may cancel your contract within 10 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, whichever is greater. You should review this prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

Neither the SEC nor any state securities commission has approved or disapproved of these securities or passed upon the adequacy or accuracy of the Prospectus. Any representation to the contrary is a criminal offense.

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

**The date of this Prospectus is May 1, 2026.**

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***TABLE OF CONTENTS***

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| | |
|:---|:---|
| *Description* | *Page* |
| KEY INFORMATION TABLE | 9 |
| FEES AND EXPENSES | 9 |
| RISKS | 9 |
| RESTRICTIONS | 10 |
| TAXES | 10 |
| CONFLICTS OF INTEREST | 11 |
| OVERVIEW OF THE CONTRACT | 12 |
| Purpose of the Contracts | 12 |
| Types of Contracts |  |
| The Variable Account and the Funds |  |
| Fixed Interest Account and Stable Value Account |  |
| Contributions |  |
| Transfers |  |
| Withdrawals |  |
| The Death Benefit |  |
| Death Benefits and Multiple Beneficiaries |  |
| Annuity Options |  |
| Charges |  |
| Withdrawal Charge |  |
| Premium Tax Charge |  |
| Asset Charge |  |
| Administrative Charge |  |
| Additional Charges and Fees |  |
| Expenses of the Funds |  |
| Ten-Day Free Look |  |
| Termination by the Owner |  |
| EXPENSE TABLE |  |
| Annual Fees |  |
| Fees Paid Per Occurrence |  |
| Optional Fees |  |
| Total Fund Annual Operating Expenses |  |
| Example |  |
| Additional Assumptions: |  |
| PRINCIPAL RISKS OF INVESTING IN THE CONTRACT | 16 |
| Fluctuating Investment Performance | 16 |
| Unsuitable for Short-Term Investment | 16 |
| Consequences of Early Withdrawals | 16 |
| Account Values in the Fixed Account | 16 |
| Financial Strength and Claims Paying Ability Risk | 16 |
| Tax Consequences | 17 |
| Cyber-Security and Business Interruption Risks | 17 |
| GENERAL INFORMATION ABOUT AUL, THE VARIABLE ACCOUNT, AND THE FUNDS | 17 |
| American United Life Insurance Company<sup>®</sup> | 17 |
| Variable Account | 18 |
| The Funds | 18 |

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***TABLE OF CONTENTS** (continued)*

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| | |
|:---|:---|
| *Description* | *Page* |
| THE CONTRACTS | 19 |
| CONTRIBUTIONS AND CONTRACT VALUES DURING THE ACCUMULATION PERIOD | 20 |
| Contributions under the Contracts | 20 |
| Ten-Day Free-Look | 20 |
| Initial and Single Contributions | 20 |
| Allocation of Contributions | 20 |
| Subsequent Contributions Under Recurring Contribution Contracts | 21 |
| Transfers of Account Value | 21 |
| Abusive Trading Practices | 21 |
| Late Trading | 21 |
| Market Timing | 22 |
| Participant's Variable Account Value | 22 |
| Accumulation Units | 22 |
| Accumulation Unit Value | 22 |
| Net Investment Factor | 23 |
| Dollar Cost Averaging Program | 23 |
| CASH WITHDRAWALS AND THE DEATH BENEFIT | 23 |
| Cash Withdrawals | 23 |
| SYSTEMATIC WITHDRAWAL SERVICE FOR 403(B), 408, 408A, 457 AND 409A PROGRAMS | 24 |
| CONSTRAINTS ON WITHDRAWALS | 24 |
| General | 24 |
| 403(b) Programs | 24 |
| Texas Optional Retirement Program | 25 |
| The Death Benefit | 25 |
| Death Benefits and Multiple Beneficiaries | 26 |
| Termination by the Owner | 26 |
| Termination by AUL | 27 |
| Payments from the Variable Account | 27 |
| CHARGES AND DEDUCTIONS | 27 |
| Premium Tax Charge | 27 |
| Withdrawal Charge | 28 |
| Asset Charge | 28 |
| Commissions Paid to Broker-Dealers | 29 |
| Variable Investment Plus | 29 |
| Administrative Charge | 29 |
| Additional Charges and Fees | 29 |
| Other Charges | 30 |
| Variations in Charges | 30 |
| Guarantee of Certain Charges | 30 |
| Expenses of the Funds | 30 |

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***TABLE OF CONTENTS** (continued)*

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| | |
|:---|:---|
| *Description* | *Page* |
| ANNUITY PERIOD | 30 |
| General | 30 |
| Annuity Options | 31 |
| Option 1 — Life Annuity | 31 |
| Option 2 — Certain and Life Annuity | 31 |
| Option 3 — Survivorship Annuity | 31 |
| Option 4 — Installment Refund Life Annuity | 31 |
| Option 5 — Fixed Periods | 31 |
| Selection of an Option | 32 |
| BENEFITS AVAILABLE UNDER THE CONTRACT | 32 |
| THE FIXED INTEREST ACCOUNT ("FIA") | 34 |
| Interest | 34 |
| Withdrawals and Transfers | 35 |
| Transfer of Interest Option | 35 |
| Contract Charges | 36 |
| Payments from the Fixed Interest Account | 36 |
| 403(b) Plan Loans | 36 |
| THE STABLE VALUE ACCOUNT ("SVA") | 36 |
| In General | 36 |
| Guaranteed SVA Account Value | 37 |
| Transfers to and from the SVA | 37 |
| Benefits Paid from the SVA | 37 |
| Annuities Paid from the SVA | 38 |
| Contract Termination | 38 |
| OTHER INFORMATION ABOUT THE CONTRACTS | 38 |
| Designation and Change of Beneficiary | 38 |
| Assignability | 39 |
| Proof of Age and Survival | 39 |
| Misstatements | 39 |
| Termination of Recordkeeping Services | 39 |
| TAX CONSIDERATIONS | 39 |
| Introduction | 39 |
| Tax Status of the Company and the Variable Account | 39 |
| Tax Treatment of Retirement Programs | 40 |
| 401 Employee Benefit Plans | 40 |
| 403(b) Plans | 40 |
| 408 and 408A Programs | 41 |
| 409A and 457 Programs | 41 |
| HSA, HRA, and OPEB Employee Benefit Plans | 41 |
| Tax Penalty | 42 |
| Withholding | 42 |

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***TABLE OF CONTENTS** (continued)*

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| | |
|:---|:---|
| *Description* | *Page* |
| OTHER INFORMATION | 42 |
| Mixed and Shared Funding | 42 |
| Voting of Shares of the Funds | 43 |
| Substitution of Investments | 43 |
| Redemption Fees | 44 |
| Changes to Comply with Law and Amendments | 44 |
| Reservation of Rights | 44 |
| Periodic Reports | 44 |
| Payments to Agents, Intermediaries and Other Financial Professionals | 44 |
| Legal Proceedings | 44 |
| Legal Matters | 45 |
| Financial Statements | 45 |
| APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT | A-1 |

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**DEFINITIONS OF TERMS**

Various terms commonly used in this Prospectus are defined as follows:

**Account Date –** The date on which a Participant's initial Contribution is credited to a Participant's Account and on which AUL begins to determine account values. It is the date used to determine account years and account anniversaries.

**Accumulation Period –** The period commencing on a Participant's Account Date and terminating when the Participant's Account is closed, either through withdrawal, annuitization, payment of charges, payment of the death benefit, or a combination thereof.

**Accumulation Unit –** A unit of measure used to record amounts of increases to, decreases from, and accumulations in the Investment Accounts of the Variable Account during the Accumulation Period.

**Annuitant –** The person or persons upon whose life or lives Annuity payments depend.

**Annuity –** A series of payments made to an Annuitant or Beneficiary during the period specified in the Annuity Option.

**Annuity Commencement Date –** The first day of any month in which an Annuity begins under a contract, which shall not be later than the required beginning date under applicable federal requirements.

**Annuity Options –** Options under a contract that prescribe the provisions under which a series of Annuity payments are made.

**Annuity Period –** The period during which Annuity payments are made.

**AUL –** American United Life Insurance Company<sup>®</sup>

**Beneficiary –** The person having the right to the death benefit, if any, payable upon the death of a Participant, an Annuitant or another Beneficiary.

**Benefit Responsive –** Certain types of contracts in which withdrawal charges are not applied for payment of benefits associated with retirement, death, disability, certain terminations of employment, unforeseeable emergency, hardship, loans, required minimum distribution under the Internal Revenue Code, or long-term care facility and terminal illness benefit riders.

**Business Day –** A day on which AUL's Home Office, Voya and the New York Stock Exchange are customarily open for business.

**Code -** The U.S. Internal Revenue Code of 1986, as amended.

**Contract Date –** The date shown as the Contract Date in a contract. It will not be later than the date any Contribution is accepted under a contract, and it is the date used to determine Contract Years and contract anniversaries.

**Contract Owner Account –** Any account of a contract owner, participant, annuitant, or beneficiary to which (net) purchase payments under a variable annuity contract are added and from which administrative or transaction charges may be subtracted.

**Contract Year –** A period beginning with one contract anniversary, or, in the case of the first Contract Year, beginning on the Contract Date, and ending the day before the next contract anniversary. The first Contract Year may, at the request of the Owner, be less than twelve (12) months so that the Contract Year will coincide with the Owner's accounting year. Thereafter, each Contract Year will consist of a twelve (12) month period, unless a change in the Owner's accounting year is made.

**Contributions –** Any amount deposited under a contract by a Participant or by an Owner or other duly authorized entity on behalf of a Participant under a 403(b) Program, a 408 or 408A Program, an Employee Benefit Plan, or a 457 or 409A Program. Depending on the type of contract, Contributions may be made on a recurring basis or on a single-premium basis.

**Depositor –** American United Life Insurance Company is the Depositor for contracts and is primarily responsible for the organization of the Registrant and the person, other than the trustee or custodian, who has continuing functions or responsibilities for the administration of the affairs of the Registrant, including establishing and maintaining the separate account.

**Employee Benefit Plan –** A pension or profit-sharing plan established by an Employer for the benefit of its employees, and which is qualified under Section 401 of the Internal Revenue Code. This term also includes Health Savings Accounts, Health Reimbursement Arrangements, and other post-employment benefit plans discussed on page seven (7).

**Employer –** An Employer, such as a tax-exempt or public-school organization, with respect to which a contract has been entered into for the benefit of its employees. In some cases, a trustee or custodian may act as the Owner for Participants. In this case, certain rights usually reserved to the Employer will be exercised either directly by the employees or through such trustee or custodian, who will act as the agent of such employees.

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**DEFINITIONS OF TERMS (continued)**

**Employer Sponsored 403(b) Program –** A 403(b) Program funded with a contract that allows the Owner to terminate the contract and transfer the contract assets to another funding medium.

**Fixed Interest Account ("FIA") –** An account that is part of AUL's General Account in which all or a portion of a Participant's Account Value may be held for accumulation at fixed rates of interest paid by AUL. The FIA may not be available under all contracts.

**Funds –** A diversified, open-end management investment company in which the Registrant invests and may be selected as an option by the Contract Owner.

**General Account –** All assets of AUL other than those allocated to the Variable Account or to any other separate account of AUL.

**Home Office –** The Annuity Service Office at AUL's principal business office, One American Square, Indianapolis, Indiana 46206-0368.

**Investment Account –** One or more of the subdivisions of the Variable Account. Each Investment Account invests in a corresponding portfolio of a particular Fund. Not all of the Investment Accounts may be available under a particular contract and some of the Investment Accounts are not available for certain types of contracts.

**IRS –** Internal Revenue Service.

**Owner –** Also referenced herein as "Contract Owner", Employer, association, trust, or other entity entitled to the ownership rights under the contract and in whose name or names the contract is issued. A trustee, custodian, administrator, or other person performing similar functions may be designated to exercise an Owner's rights and responsibilities under certain contracts. The term "Owner," as used in this Prospectus, shall include, where appropriate, such a trustee, custodian, administrator, or other person.

**Participant –** An eligible employee, member, or other person who is entitled to benefits under the Plan or retirement program as determined and reported to us by the Owner or other duly authorized entity.

**Participant's Account –** An account established for each Participant. In some contracts, Participants' Accounts are not maintained.

**Participant's Account Value –** The current value of a Participant's Account under a contract, which is equal to the sum of a Participant's Fixed Interest Account Value, Stable Value Account Value and Variable Account Value. When the account is established, it is equal to the initial Contribution, and thereafter will reflect the net result of Contributions, investment performance, charges deducted, loans, and any withdrawals taken.

**Participant's Fixed Interest Account Value –** The total value of a Participant's interest in the FIA.

**Participant's Variable Account Value –** The total value of a Participant's interest in the Investment Accounts of the Variable Account.

**Participant's Withdrawal Value –** A Participant's Account Value minus the applicable withdrawal charge and minus the Participant's outstanding loan balances, if any, and any expense charges due thereon.

**Plan –** The retirement plan or other type of Employee Benefit Plan, in connection with which the contract is issued, and any subsequent amendment to such a plan.

**Registrant –** The term "Registrant" means the separate account (as defined in Section 2(a)(37) of the 1940 Act [15 U.S.C. 80a-2(a)(37)] which offers the variable annuity contracts. Throughout this Prospectus, "Registrant" refers to AUL American Unit Trust.

**Securities Act –** The Securities Act of 1933 [15 U.S.C. 77a et seq.].

**Stable Value Account ("SVA") –** An account that is part of AUL's General Account in which all or a portion of a Participant's Account Value may be held for accumulation at fixed rates of interest paid by AUL. The SVA may not be available under all contracts.

**Statement of Additional Information ("SAI") –** This information is required by Part B of this Form.

**Statutory Prospectus –** A prospectus that satisfies the requirements of section 10(a) of the Securities Act [15 U.S.C. 77j(a)].

**Summary Prospectus –** A prospectus that satisfies the requirements by paragraph (a)(11) of rule 498A under the Securities Act [17 CFR 230.498A(a)(11)].

**Valuation Date –** Each date on which the Variable Account is valued, which currently includes each Business Day.

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**DEFINITIONS OF TERMS (continued)**

**Valuation Period –** A period used in measuring the investment experience of each Investment Account of the Variable Account. The Valuation Period begins following the close of one Valuation Date and ends at the close of the next succeeding Valuation Date.

**Variable Account –** The AUL American Unit Trust, which is a separate account of AUL, whose assets and liabilities are maintained separately from those of AUL's General Account.

**Variable Annuity Contract or Contract –** Any accumulation contract or annuity contract, any portion thereof, or any unit of interest participation therein pursuant to which the value of the contract, either during an accumulation period or after annuitization, or both, varies according to the investment experience of the separate account in which the contract participates. Unless the contract otherwise requires, the term refers to the variable annuity contracts being offered pursuant to the Registration Statement prepared on this Form.

**Vested –** A legally fixed immediate right of ownership.

**Voya –** Voya Financial, Inc. and Voya Retirement Insurance and Annuity Company.

**We/Us –** American United Life Insurace Company, Voya Financial, Inc., and Voya Retirement Insurance and Annuity Company.

**403(b) Program –** An arrangement by a public-school organization or a religious, charitable, educational, or scientific organization that is described in Section 501(c)(3) of the Internal Revenue Code under which employees are permitted to take advantage of the federal income tax deferral benefits provided in Section 403(b) of the Internal Revenue Code.

**408 or 408A Program –** A program of individual retirement annuities, including a traditional IRA, a Simplified Employee Pension, SIMPLE IRA, or Roth IRA established by an Employer, that meets the requirements of Section 408 or 408A of the Internal Revenue Code.

**457 or 409A Program –** A 457 Program is a plan established by a unit of a state or local government or a tax-exempt organization (other than a church) under Section 457 of the Internal Revenue Code. A 409A Program is a deferred compensation plan that does not qualify as an eligible 457(b) deferred compensation plan.

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**KEY INFORMATION TABLE**

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

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| | | | | |
|:---|:---|:---|:---|:---|
| | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **Location in <br>Prospectus** |
| **Charges for Early Withdrawals** | If a Participant withdraws money from the contract within the first 10 years, he or she will be assessed a surrender charge. Maximum surrender charges are assessed as follows: 8% in years 1-5 and 4% in years 6-10. For example, if a Participant makes a withdrawal on a $100,000 Account Value in year 5, he or she will be assessed a surrender charge of $8,000. A withdrawal or surrender may also be subject to a withdrawal charge and a market value adjustment. | If a Participant withdraws money from the contract within the first 10 years, he or she will be assessed a surrender charge. Maximum surrender charges are assessed as follows: 8% in years 1-5 and 4% in years 6-10. For example, if a Participant makes a withdrawal on a $100,000 Account Value in year 5, he or she will be assessed a surrender charge of $8,000. A withdrawal or surrender may also be subject to a withdrawal charge and a market value adjustment. | If a Participant withdraws money from the contract within the first 10 years, he or she will be assessed a surrender charge. Maximum surrender charges are assessed as follows: 8% in years 1-5 and 4% in years 6-10. For example, if a Participant makes a withdrawal on a $100,000 Account Value in year 5, he or she will be assessed a surrender charge of $8,000. A withdrawal or surrender may also be subject to a withdrawal charge and a market value adjustment. | **Charges and Deductions** |
| **Transaction Charges** | In addition to surrender charges, you may also be charged for other transactions. Transaction charges include a Loan Initiation Fee of up to $100 per loan, a loan administration fee of up to $50 per loan annually, a service fee of up to $5 per transfer for non-electronic transfers between investment options, a Distribution Fee of up to $60 for each Participant for whom a withdrawal is made in which the entire Participant Account is distributed in a lump sum, and a fee of up to $100 for each Participant for whom an individual check is prepared upon contract termination. These charges are discussed in further detail in the Fee Table. | In addition to surrender charges, you may also be charged for other transactions. Transaction charges include a Loan Initiation Fee of up to $100 per loan, a loan administration fee of up to $50 per loan annually, a service fee of up to $5 per transfer for non-electronic transfers between investment options, a Distribution Fee of up to $60 for each Participant for whom a withdrawal is made in which the entire Participant Account is distributed in a lump sum, and a fee of up to $100 for each Participant for whom an individual check is prepared upon contract termination. These charges are discussed in further detail in the Fee Table. | In addition to surrender charges, you may also be charged for other transactions. Transaction charges include a Loan Initiation Fee of up to $100 per loan, a loan administration fee of up to $50 per loan annually, a service fee of up to $5 per transfer for non-electronic transfers between investment options, a Distribution Fee of up to $60 for each Participant for whom a withdrawal is made in which the entire Participant Account is distributed in a lump sum, and a fee of up to $100 for each Participant for whom an individual check is prepared upon contract termination. These charges are discussed in further detail in the Fee Table. | **Expense Table; Charges and Deductions** |
| **Ongoing Fees and Expenses (annual charges)** | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. | **Expense Table; Charges and Deductions** |
|  | **Annual Fee**<br> Base contract<br>Investment options (Fund fees and expenses)<br>Optional benefits available for an additional charge (for a single optional benefit, if elected) | **Minimum**<br> 0%<br>0.02%<br>0% | **Maximum**<br> 1.25%<br>8.68%<br>1.20% |  |
| **Lowest and Highest Annual Cost Table\*** | Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take withdrawals from the contract, **which could add surrender charges that substantially increase costs.** | Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take withdrawals from the contract, **which could add surrender charges that substantially increase costs.** | Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take withdrawals from the contract, **which could add surrender charges that substantially increase costs.** | **Expense Table; Charges and Deductions** |
|  | **Lowest Annual Cost: $20**<br> Assumes:<br>• Investment of $100,000<br>• 5% annual appreciation<br>• Least expensive combination of Fund fees and expenses<br>• No optional benefits<br>• No sales charges<br>• No additional purchase payments, transfers or withdrawals | **Lowest Annual Cost: $20**<br> Assumes:<br>• Investment of $100,000<br>• 5% annual appreciation<br>• Least expensive combination of Fund fees and expenses<br>• No optional benefits<br>• No sales charges<br>• No additional purchase payments, transfers or withdrawals | **Highest Annual Cost: $11,130**<br> Assumes:<br>• Investment of $100,000<br>• 5% annual appreciation<br>• Most expensive combination of optional benefits and Fund fees and expenses<br>• No sales charges<br>• No additional purchase payments, transfers or withdrawals |  |

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| | | |
|:---|:---|:---|
| | **RISKS** | **Location in <br>Prospectus** |
| **Risk of Loss** | You can lose money by investing in the contract, including loss of principal (your contributions). | **Principal Risks of Investing in the Contract** |
| **Not a Short-Term Investment** | This contract is not a short-term investment vehicle and is not appropriate for an investor who needs ready access to cash.<br>• Surrender Charges apply for up to 10 years from the Contract Date.<br>• Tax deferral is more beneficial to investors with a long-time horizon. | **Principal Risks of Investing in the Contract; Contract Charges and Fees** |

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| | | |
|:---|:---|:---|
| | **RISKS** | **Location in <br>Prospectus** |
| **Risks Associated with Investment Accounts** | An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the contract (e.g. Funds), each investment option including the Fixed Interest Account and/or the Stable Value Account Investment option will have its own unique risks, and the investor should review these investment options before making an investment decision.<br>You should review each Fund's prospectus before making an investment decision. | **Principal Risks of Investing in the Contract** |
| **Insurance Company Risks** | An investment in the contract is subject to the risk related to AUL, including that any obligations (including the Fixed Interest Account and/or the Stable Value Account investment option), guarantees, and benefits of the contract are subject to the claims-paying ability of AUL. If AUL experiences financial distress, it may not be able to meet its obligations to you. More information about AUL, including its financial strength ratings, is available upon request from AUL or by visiting https://www.oneamerica.com/about-us/who-we-are/strength-and-ratings. | **Principal Risks of Investing in the Contract; AUL, the Separate Account and the General Account** |
|  | **RESTRICTIONS** | **Location in<br>Prospectus** |
| **Investments** | • We reserve the right to limit the number of transfers or to restrict transfers from being made on consecutive Valuation Dates. The Maximum Number of Transfers in any Contract Year is 20.<br>• The contract limits the amount you can transfer from the Fixed Account within a Policy Year.<br>• A Participant may transfer part or all of the Participant's Fixed Interest Account Value (subject to the outstanding loan provision mentioned above) to one (1) or more of the available Investment Accounts during the Accumulation Period, provided, however, that if a Participant's FIA Value is $2,500 or more on the first (1st) day of a Contract Year, then amounts transferred from the FIA to an Investment Account during any given Contract Year cannot exceed 20 percent of the Participant's Fixed Interest Account Values as of the beginning of that Contract Year.<br>• All or a portion of the Participant's SVA Account Value may be transferred from the SVA. Contract Owner-directed transfers to and from the SVA are subject to AUL's approval.<br>• We reserve the right to close, add, substitute or remove Investment Accounts as investment options under the contract. A Fund may also be merged into another Fund. | **Transfer Fee Sub-Account Availability and Substitution of Funds Fixed Account; The Fixed Interest Account; The Stable Value Account** |
| **Optional Benefits** | The optional benefits available to you are specific to your contract. Please review your contract for more details. The contracts offer several investment portfolio options, and these portfolios may change over time. |  |
|  | **TAXES** | **Location in<br>Prospectus** |
| **Tax Implications** | • You should consult with a tax professional to determine the tax implications of an investment in and payments received under the contract.<br>• There is no additional tax benefit to you if the contract is purchased through a tax-qualified plan or individual retirement account ("IRA").<br>• Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. | **Tax Considerations** |

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| | | |
|:---|:---|:---|
| | **CONFLICTS OF INTEREST** | **Location in<br>Prospectus** |
| **Investment Professional Compensation** | • Some investment professionals may receive compensation for selling the contract.<br>• Compensation can take the form of commissions on premiums paid.<br>• These investment professionals may have a financial incentive to offer or recommend the contract over another investment. | **Charges and Deductions** |
| **Exchanges** | • Some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own.<br>• You should only exchange your contract if you determine, after comparing the features, fees, and risks of both policies, that it is preferable for you to purchase the new policy rather than continue to own the existing contract. | **Charges and Deductions** |

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**OVERVIEW OF THE CONTRACT**

***Purpose of the Contracts***

The group variable annuity contracts ("Contracts") described in this Prospectus were generally designed by AUL for use with group retirement programs that qualify for favorable tax-deferred treatment as retirement programs under Sections 401, 403(b), 408, 408A, 457 or 409A of the Internal Revenue Code. While variable annuities may provide a Contract Owner or a Participant with additional investment and insurance or annuity-related benefits when used in connection with such a tax-qualified program, any tax deferral is provided by the program or plan and not the annuity contract. A variable annuity contract presents a dynamic concept in retirement planning designed to give Employers and employees and other Participants in programs flexibility to attain their investment goals. A contract provides for the accumulation of values on a variable basis, a fixed basis, or both, and provides several options for fixed annuity payments.

Additionally, a contract may be used to accept Contributions as a funding vehicle for a Plan Sponsor- provided: (1) Health Savings Account (HSA) established pursuant to Internal Revenue Code Section 223 that is used exclusively to reimburse incurred qualified medical expenses for "medical care" as defined in Code Section 213(d); (2) Health Reimbursement Arrangement (HRA) accident and health plan that is used exclusively to reimburse expenses incurred for such medical care; or (3) plan that is used to provide post-employment non-pension benefits (which may include unused sick and vacation leave time benefits or certain health care benefits) for former employees.

AUL offers several types of contracts that are described in this Prospectus. Recurring Contribution Contracts are available for use in connection with retirement programs that meet the requirements of Sections 401, 403(b), 408, 408A, 457 or 409A of the Internal Revenue Code and also for use with HRA, HSA and other post-employment benefit ("OPEB") plans. AUL also offers single Contribution Contracts which are only available for use in connection with retirement programs that meet the requirements of Sections 403(b), 408 and 408A of the Internal Revenue Code.

***Phases of the Contract***

The contract exists in two separate phases: accumulation (savings) and annuitization (income).

During the Accumulation Period, the Owner or a Participant (depending on the contract) can allocate Contributions to the various Investment Accounts of the Variable Account or to the FIA or SVA. AUL will allocate Contributions designated to accumulate on a variable basis to the Variable Account. See the Section "Variable Account" later in this Prospectus. The Variable Account is currently divided into subaccounts referred to as Investment Accounts. Each Investment Account invests exclusively in shares of one (1) of the Funds listed in the Appendix: Funds Available Under the Contract. Each of the Funds has different principal investment strategies, investment objectives and risks. An Owner or a Participant (depending on the contract) may allocate Contributions to one or more of the Investment Accounts available under a contract. A Participant's Account Value will increase or decrease in dollar value depending upon the investment performance of the corresponding Fund in which the Investment Account invests. These amounts are not guaranteed. The Owner or the Participant bears the investment risk for amounts allocated to an Investment Account of the Variable Account.

Additional information about the underlying Funds is available in Appendix: Funds Available Under the Contract.

An Owner or a Participant (depending on the contract) may allocate Contributions to the FIA or to the SVA, which are part of AUL's General Account. Amounts allocated to the FIA or to the SVA earn interest at rates periodically determined by AUL. The FIA rates are guaranteed to be at least equal to a minimum effective annual rate ranging from 1 percent to 4 percent, depending on the contract. The SVA has no minimum credited interest rate guarantee. See the Sections "The Fixed Interest Account" and "The Stable Value Account" later in this Prospectus. A Participant may find information regarding the availability of the FIA or SVA in the contract certificate issued to the Participant.

During the annuitization phase, AUL makes periodic income payments to the Annuitant. At the time of annuitization, the Annuitant elects the duration of the annuity payments – either for a fixed period of time or for the duration of the Annuitant's (and possibly the Annuitant's spouse's) life. Annuity payments are fixed, meaning each annuity payment will be the same amount. After annuitization begins, the only value associated with the contract is the stream of annuity payments; unless otherwise specified in the annuity option, the Annuitant cannot withdraw value from the contract over and above the annuity payments. Additionally, once annuitization has begun, there is no death benefit, which means that upon the death of the Annuitant (and the Annuitant's spouse if a joint annuity option was elected), all payments stop and the contract terminates, unless the particular annuitization option provides otherwise.

If an investor annuitizes, he or she will receive a stream of income payments, however (i) he or she will be unable to make withdrawals, and (ii) death benefits and living benefits will terminate.

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***Contract Features***

***Withdrawals.*** ****The Participant may surrender or take a withdrawal from the Account Value at any time before the Annuity Commencement Date, subject to the limitations under any applicable Plan, the contract and applicable law. See the Section "Cash Withdrawals" later in this Prospectus. Certain retirement programs, such as 403(b) Programs, are subject to constraints on withdrawals and surrenders. See "Constraints on Withdrawals." In addition, distributions under certain retirement programs may result in a tax penalty. See the Section "Tax Penalty" later in this Prospectus. A withdrawal or surrender may also be subject to a withdrawal charge and a market value adjustment ("MVA"). See the Sections "Withdrawal Charge" and "The Fixed Interest Account" later in this Prospectus.

***The Death Benefit.*** If a Participant dies during the Accumulation Period, AUL will pay a death benefit to the Beneficiary. Generally, the amount of the death benefit is equal to the Vested portion of the Participant's Account value minus any outstanding loan balances and any due and unpaid charges on those loans. Some contracts may contain a provision for a guaranteed minimum death benefit in which case the amount of the death benefit is the greater of the Participant's Account Value as of the date the death benefit is calculated or the guaranteed minimum death benefit. A Participant may find in the contract certificate issued to the Participant information regarding whether the optional guaranteed minimum death benefit is selected. A death benefit will not be payable if the Participant dies on or after the Annuity Commencement Date, except as may be provided under the Annuity Option elected. See the Sections "The Death Benefit" and "Annuity Options" later in this Prospectus.

***Death Benefits and Multiple Beneficiaries.*** Where there are multiple Beneficiaries, death benefits payable to a Beneficiary remains fully invested in the separate account options selected by the Participant and remain subject to market volatility until that Beneficiary provides proof of death and establishes Beneficiary status. AUL will administer the death benefits as otherwise described herein.

***Guaranteed Minimum Death Benefit.*** This optional benefit allows a Beneficiary to receive the greater of the Participant's Account Value as of the date the death benefit is calculated or the guaranteed minimum death benefit. Participants of certain IRA contracts will incur an additional fee for selection of this optional benefit.

***Dollar Cost Averaging Program.*** Contract Owners and Participants who wish to purchase units of an Investment Account over a period of time in an attempt to reduce the aggregate average cost per Accumulation Unit may do so through the Dollar Cost Averaging ("DCA") Program. See the Section "Dollar Cost Averaging Program" later in this Prospectus.

***Brokerage Window.*** Brokerage Window service, available under certain Employer Sponsored Contracts at certain asset levels, allows a Participant the ability to invest a portion of the Account Value in a brokerage account, to be invested with the brokerage window account custodian. Participants will incur an additional fee for selection of this service.

***Investment Advice Provider with Managed Account Service.*** Selection of this service allows Contract Owners and Participants access to investment professionals that offer individualized investment advice. Participants will incur an additional fee for selection of this service.

***Plan Sponsor Investment Option.*** This optional benefit allows Contract Owners to offer plan-level investment portfolios constructed to meet the needs of the Participants. Participants will incur an additional fee for selection of this optional benefit.

***403(b) Plan Loans.*** If a 403(b) Plan allows, a loan may be taken at any time prior to the Annuity Commencement Date. The minimum loan that can be taken at any time is specified in the Plan. Participants may incur additional charges and fees for services such as loan initiation and loan maintenance. See the Section "403(b) Plan Loans" later in this Prospectus.

***Annuity Options.*** The contracts provide for several fixed Annuity Options, any one of which may be elected if permitted by the applicable Plan and applicable law. AUL will pay fixed and guaranteed payments under the Annuity Options. While an annuitization will provide a stream of income payments, it will also prevent additional withdrawals and terminate the death benefit except as may be provided under the Annuity Option elected. See the Section "Annuity Period" later in this Prospectus.

***Ten-Day Free Look.*** Under 403(b), 408, 408A and certain HRA, HSA, and post- employment benefit plan contracts, the Owner has the right to return the contract for any reason within ten (10) days (or, in some states, twenty (20) days) of receipt. If this right is exercised, the contract will be considered void from its inception and AUL will fully refund the amount you paid with your application or your total contract value, whichever is greater.

***Termination by the Owner.*** ****An Owner of a contract acquired in connection with an Employee Benefit Plan, a 457 or 409A Program, or an Employer Sponsored 403(b) Program may terminate the contract by sending proper written notice of termination to AUL at the Home Office. Upon termination of such a contract, the Owner may elect from the payment options offered under the contract.

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**FEE TABLE**

**The following tables describe the fees and expenses that the Owner or Participant will pay when buying, owning or surrendering the contract. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.**

**The first table describes the fees and expenses that the Owner or Participant will pay at the time that the Owner or Participant buys the contract, surrenders the contract, or takes a withdrawal from the Participant's Account Value or transfers Participant's Account Value between Investment Accounts. State Premium taxes may also be deducted. See "Premium Tax Charge."**

***Transaction Expenses***

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| | |
|:---|:---|
| | **Charge** |
| Maximum Deferred Sales Load (Withdrawal Charge)<sup>(1)</sup> | 8% |
| Maximum Loan Initiation Fee<sup>(2)</sup> | $100 |
| Maximum Loan Administration Fee<sup>(3)</sup> | $50 |
| Maximum Annual Charge for Non-Electronic Transfers<sup>(4)</sup> | $5 |
| Maximum Charge for Non-Electronic Contributions | $1000 |
| Maximum Distribution Fee<sup>(5)</sup> | $60 |
| Maximum Contract Termination Individual Participant Check Fee<sup>(6)</sup> | $100 |

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<sup>(1)</sup> The withdrawal charge varies based on the contract.

<sup>(2)</sup> AUL may assess a Loan Initiation Fee of up to $100 per loan against the Account of any Participant for whom a Plan loan withdrawal is requested. See "Additional Information about Fees" later in this Prospectus. Please refer to your contract for details regarding the availability of Plan loans and the interest rates applicable to you.

<sup>(3)</sup> AUL may charge a loan administration fee of up to $50 per loan annually, which will either be billed to the Owner or deducted from the Participant's Account.

<sup>(4)</sup> AUL may charge a service fee of up to $5 per transfer for non-electronic transfers between investment options, which will either be billed to the Owner or deducted from the Participant's Account.

<sup>(5)</sup> AUL may bill the Owner for a Distribution Fee of up to $60 for each Participant for whom a withdrawal is made in which the entire Participant Account is distributed in a lump sum. Alternatively, AUL may assess this Distribution Fee against the affected Participant Accounts if permitted by applicable law, regulations or rulings.

<sup>(6)</sup> AUL may bill the Owner a fee of up to $100 for each Participant for whom an individual check is prepared upon contract termination. See "Additional Information about Fees" later in this Prospectus.

**The next table describes the fees and expenses that you will pay each year during the time that you own the contract (not including Fund fees and expenses).**

**If you choose to purchase an optional benefit, you will pay additional charges, as shown below.**

***Annual Contract Expenses***

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| | |
|:---|:---|
| | **Charge** |
| Maximum Total Separate Account Annual Expenses (Asset Charges)<sup>(1)</sup> | 1.25% |
| Maximum Administrative Charge<sup>(2)</sup> | $75 |
| ***Optional Benefit Expenses*** | ***Optional Benefit Expenses*** |
| Maximum Brokerage Window Fee<sup>(3)</sup> | $100 |
| Maximum Managed Account Service Fee<sup>(4)</sup> | 1.00% |
| Maximum Plan Sponsor Investment Option Advisory Fee<sup>(5)</sup> | 0.03% |
| Maximum Guaranteed Minimum Death Benefit Option (per year)<sup>(6)</sup> | 0.20% |

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<sup>(1)</sup> This charge may be less than 1.25 percent for certain contracts. See "Asset Charge" later in this Prospectus. Please refer to your contract for details regarding the Asset Charge applicable to you.

<sup>(2)</sup> The Administrative Charge may be less than $75 per year, based on the size of the Participant's Account and/or the type of contract.

<sup>(3)</sup> Brokerage Window service allows a Participant the ability to invest a portion of the Account Value in a brokerage account, to be invested with the brokerage window account custodian. The Brokerage Window is only available with certain Employer Sponsored Contracts at certain asset levels. AUL may bill the Owner for this charge or deduct the charge from the Participant's Account, depending on the contract. The fee does not include any charges that may be assessed by the Brokerage Window account custodian.

<sup>(4)</sup> AUL may bill the Owner for an investment advice provider fee in an amount separately agreed upon by the Owner and the third-party investment advice provider. See "Additional Information about Fees" later in this Prospectus.

<sup>(5)</sup> This charge is applicable to Plans sold after January 1, 2017. For certain Plans sold before January 1, 2017, the maximum fee for Plan Sponsor Investment Option Advisory Fee is $1,500 if the Plan has less than $500,000 in assets. If the Plan has more than $500,000 in assets, the benefit is included at no additional charge. Please refer to your contract for details regarding the Plan Sponsor Investment Advisory Option Fee applicable to you.

<sup>(6)</sup> This charge only applies to certain IRA contracts. See "Additional Information about Fees" later in this Prospectus.

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**FEE TABLE (continued)**

**The next table shows the minimum and maximum total operating expenses charged by the Funds that the Owner or Participant may pay periodically during the time that the Owner owns the contract. More detail concerning each Fund's fees and expenses is contained in the prospectus for each Fund.**

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| | | |
|:---|:---|:---|
| ***Total Fund Annual Operating Expenses*** | ***Minimum*** | ***Maximum*** |
| (expenses that are deducted from Fund assets, <br>including management fees, distribution fees and/or <br>service (12b-1) fees, and other expenses) | 0.02% | 8.68% |

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***Example***

**The Example is Intended to help you compare the cost of investing in the contract with the cost of investing in other variable annuity contracts. These costs include contract owner transaction expenses, contract fees, separate account annual expenses, and Fund fees and expenses.**

**The Example assumes that you invest $100,000 in the contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year and assumes the maximum fees and expenses of any of the funds. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:**

(1) If you surrender your contract at the end of the applicable time period:

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| | | | |
|:---|:---|:---|:---|
| 1 Year | 3 Years | 5 Years | 10 Years |
| $14599 | $29913 | $43216 | $87667 |

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(2) If you annuitize at the end of the applicable time period:

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| | | | |
|:---|:---|:---|:---|
| 1 Year | 3 Years | 5 Years | 10 Years |
| $7585 | $23262 | $39701 | $84910 |

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(3) If you do not surrender your contract:

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| | | | |
|:---|:---|:---|:---|
| 1 Year | 3 Years | 5 Years | 10 Years |
| $7585 | $23262 | $39701 | $84910 |

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***Additional Assumptions:***

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| | |
|:---|:---|
| Annual M&E Charge: | 1.25% Maximum |
| GMDB Option: | 0.20% Maximum |
| Admin. Charge: | $75 |
| Brokerage Window: | $100 |
| Investment Advice <br>Provider with Managed <br>Account Services: | 1.00% |
| Plan Sponsor Investment <br>Option: | 0.03% |
| Surrender Charges: | 8% for years 1-5; 4% for years 6-10; 0% for years 11+ |
|  | These surrender charges are reduced by 10% due to the free out provision in these contracts. |
|  | This is the maximum surrender charge scale imposed on such contracts. |
|  | For example, if the participant surrenders at the end of the fifth year, there will be a Surrender Charge of <br>8% x 0.90 = 7.2% of the Account Value charged to the participant. |

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**PRINCIPAL RISKS OF INVESTING IN THE CONTRACT**

***Fluctuating Investment Performance***

Account Values in an Investment Account are not guaranteed and will increase and decrease in value according to investment performance of the Fund. If you put money into an Investment Account, you assume all the investment risk on that money. A comprehensive discussion of each Investment Account's and Fund's objective and risk is found in this prospectus and in each Fund's prospectus, respectively. You should review these prospectuses before making your investment decision. Your choice of Investment Accounts and the performance of the Funds will impact the Policy's Account Value.

***Unsuitable for Short-Term Investment***

The contract is not suitable as short-term savings investments and is not appropriate for an investor who needs ready access to cash.

***Consequences of Early Withdrawals***

Surrender Charges are assessed if you request full or partial withdrawals from your contract within the first ten (10) years. Surrender charges are assessed as follows: 8% in years 1-5 and 4% in years 6-10 with charges reduced by 10% due to the free-out provision of the contract. Full or Partial Surrenders may result in tax consequences and penalties in the event the Owner is under the age of 59<sup>1</sup>/<sub>2</sub>. A withdrawal or surrender may also be subject to an MVA.

***Account Values in the Fixed Account***

Contributions allocated to the Fixed Account are held in AUL's General Account. There are limitations on your right to transfer amounts from the Fixed Account and, due to these limitations, if you want to transfer the entire balance of the Fixed Account to one or more Investment Accounts, it may take several years to do so. Therefore, you should carefully consider whether the Fixed Account meets your investment needs.

***Account Values in the Stable Value Account***

Contributions allocated to the Stable Value Account are held in AUL's General Account. There are limitations on your right to transfer amounts from the Stable Value Account and, due to these limitations, if you want to transfer the entire balance of the Stable Value Account to one or more Investment Accounts, it may take several years to do so. Therefore, you should careful consider whether the Stable Value Account meets your investment needs.

***Financial Strength and Claims Paying Ability Risk***

AUL issues other types of financial products. In addition to any amounts, AUL is obligated to pay in excess of Account Value under the contract, it also pays obligations under these products from assets in the General Account. Unlike assets held in the Variable Account, the assets of the General Account are subject to the general liabilities of AUL and, therefore, to AUL's General Account creditors. In the event of an insolvency of receivership, payments we make from our General Account to satisfy claims under the contract would generally receive the same priority as our other Owners' obligations.

The General Account is not segregated or insulated from the claims of the insurance company's creditors. Therefore, guarantees provided by the insurance company as to benefits promised in the prospectus are subject to the claims paying ability of the insurance company and are subject to the risk that the insurance company may not be able to cover or may default on its obligations under those guarantees.

***Risks Associated with the Investment Advice Provider with Managed Account Services***

As discussed below, for additional charge, Contract Owners and Participants may access investment professionals who offer individualized investment advice by selecting the Investment Advice Provider with Managed Account Services. Although such service is designed to help Contract Owners and Participants make individualized investment decisions based on various levels of risk and circumstances, there is no assurance that following such investment advice will not result in loss of money or that investment results will not experience volatility.

***Risks Associated with the Plan Sponsor Investment Option***

As discussed below, for additional charge, Contract Owners may choose the Plan Sponsor Investment Option and receive recommendation from Mesirow Financial a plan-level investment portfolio based on the Plan Sponsor's unique employee

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profile. Although such portfolios are designed to optimize returns given the employee profile, there is no assurance that a portfolio will not lose money or that investment results will not experience volatility. Additionally, although the portfolios are intended to optimize returns given various levels of risk tolerance, a portfolio may not perform as intended. Contract Owner should review the employees' financial needs, investment time horizon, and risk comfort level to determine whether to invest in the recommended portfolio.

***Tax Consequences***

As noted in greater detail in the section headed "Tax Considerations", you should consult a tax professional to determine the implications of an investment in and withdrawals from the contract. There is no additional tax benefit to you if the contract is purchased through a tax-qualified plan or IRA. Withdrawals will be subject to ordinary income tax and may be subject to tax penalties.

***Cyber-Security and Business Interruption Risks***

We rely heavily on interconnected computer systems and digital data to conduct our variable products business. Because our business is highly dependent upon the effective operation of our computer systems and those of our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyber-attacks. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on websites and other operational disruption and unauthorized release of confidential customer information. Such systems failures and cyber-attacks affecting us, any third-party administrator, the Funds, intermediaries and other affiliated or third-party service providers may adversely affect us and your Account Value. For instance, systems failures and cyber-attacks may interfere with our processing of policy transactions, including the processing of orders from our website or with the Funds, impact our ability to calculate your Account Value, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cyber security risks may also impact the issuers of securities in which the Funds invest, which may cause the funds underlying your contract to lose Account Value. There can be no assurance that we or the Funds or our service providers will avoid losses affecting your contract due to cyber-attacks or information security breaches in the future.

In addition to cyber security risks, we are exposed to risks related to natural and man-made disasters and catastrophes, such as (but not limited to) storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts, any of which could adversely affect our ability to conduct business. A natural or man-made disaster or catastrophe, including a pandemic, could affect the ability or willingness of our employees or the employees of our service providers to perform their job responsibilities. Even if our employees and the employees of our service providers are able to work remotely, those remote work arrangements could result in our business operations being less efficient than under normal circumstances and could lead to delays in our processing of contract-related transactions, including orders from contract owners. Catastrophic events may negatively affect the computer and other systems on which we rely, impact our ability to calculate accumulation unit values, or have other possible negative impacts. There can be no assurance that we or our service providers will be able to successfully avoid negative impacts associated with natural and man-made disasters and catastrophes.

**GENERAL INFORMATION ABOUT AUL, THE VARIABLE ACCOUNT, AND THE FUNDS**

***American United Life Insurance Company*<sup>®</sup>**

AUL is a stock insurance company existing under the laws of the State of Indiana. It was originally incorporated as a fraternal society on November 7, 1877, under the laws of the federal government, and reincorporated as a mutual insurance company under the laws of the State of Indiana in 1933. On December 17, 2000, AUL converted from a mutual life insurance company to a stock life insurance company ultimately controlled by a mutual holding company, American United Mutual Insurance Holding Company ("MHC").

After conversion, MHC issued voting stock to a newly formed stock holding company, OneAmerica Financial Partners, Inc. (the "Stock Holding Company"). The Stock Holding Company may, at some future time, offer shares of its stock publicly or privately; however, MHC must always hold at least 51 percent of the voting stock of the Stock Holding Company, which in turn owns 100 percent of the voting stock of AUL. No plans have been formulated to issue any shares of capital stock of the Stock Holding Company at this time. In 2003, the Stock Holding Company issued $200 million aggregate principal amount of its 7 percent senior notes due in 2033.

AUL conducts a conventional life insurance and annuity business. The principal underwriter for the contracts is OneAmerica Securities, Inc., a wholly owned subsidiary of AUL. OneAmerica Securities, Inc. is registered as a broker-dealer with the SEC. The principal business address for OneAmerica Securities, Inc. is One American Square, Indianapolis, Indiana 46206-0368.

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If your plan is administered by Voya Financial and you have questions pertaining to recordkeeping services or investments, contact Voya Financial Customer Service at 1-800-584-6001 or visit www.voyaretirementplans.com/sponsor.

***Variable Account***

The AUL American Unit Trust was established by AUL on August 17, 1989, under procedures established under Indiana law. The income, gains, or losses of the Variable Account, whether realized or not realized, are credited to or charged against the assets of the Variable Account without regard to other income, gains, or losses of AUL. AUL owns the assets in the Variable Account and is required to maintain sufficient assets in the Variable Account to meet all Variable Account obligations under the contracts. The assets of the Variable Account may not be charged with the liabilities arising out of any other business of AUL. All obligations arising under the contracts are general corporate obligations of AUL. AUL may invest and accumulate its own assets, including the proceeds it receives as contract charges and investment results applicable to those assets, in the Variable Account.

The Variable Account is currently divided into sub-accounts referred to as Investment Accounts. Each Investment Account invests exclusively in shares of a specific Fund. Contributions may be allocated to one (1) or more Investment Accounts available under a contract. Not all of the Investment Accounts may be available under a particular contract and some of the Investment Accounts are not available for certain types of contracts. AUL may in the future establish additional Investment Accounts of the Variable Account, which may invest in other Funds or in other securities, funds, or investment vehicles. The Investment Accounts available under a contract depend on which Investment Accounts the Contract Owner chooses.

The Variable Account is registered with the SEC as a unit investment trust under the Investment Company Act of 1940 (the "1940 Act"). Registration with the SEC does not involve supervision by the SEC of the administration or investment practices of the Variable Account or of AUL.

***The Funds***

Each of the Funds is an open-end management investment company commonly referred to as a Fund. Each of the Funds is registered with the SEC under the 1940 Act. Such registration does not involve supervision by the SEC of the investments or investment policies or practices of the Fund. Each Fund has its own investment objective and policies. The shares of each Fund are purchased by AUL for the corresponding Investment Account at the Fund's net asset value per share, i.e., without any sales load. All dividends and capital gain distributions received from a Fund are automatically reinvested in such Fund at net asset value, unless AUL instructs otherwise. AUL has entered into agreements with AGM Funds, LLC, AllianceBernstein, LP, Allianz Global Investors U.S. LLC, Allspring Global Investments Holdings, LLC, Amana Funds American Beacon Advisors, Inc., American Century Investments Management, Inc., Amundi Asset Management, Inc., AQR Capital Management, LLC, Ariel Investments, LLC, Auxier Asset Management, LLC, Ave Maria Mutual Funds, Baron Capital Group, Inc., BlackRock Advisors, LLC, BNYM Investment Adviser, Inc., Calamos Advisors, LLC, Calvert Research and Management, Capital Research and Management Company, Cohen & Steers Capital Management, Inc., Columbia Mgmt. Investment Advisers, LLC, Cramer Rosenthal McGlynn, LLC, Crossmark Global Investments, Inc., Delaware Management Company, Dimensional Fund Advisors LP, DWS Investment Management Americas, Inc., Federated Investment Management Company, Fidelity Management & Research Company, LLC, First Eagle Investment Management, LLC, Franklin Templeton Institutional, LLC, Fred Alger Management Inc., Frost Investment Advisors, LLC, Geneva Capital Management, LLC, Goldman Sachs Asset Management, L.P., Guidestone Capital Management, Harbor Capital Advisors, Inc., Harris Associates, LP, Hartford Funds Management Company, LLC, Hensler Asset Management, LLC Impax Asset Management LLC, Invesco Advisers, Inc., J.P. Morgan Investment Management, Inc., Janus Henderson Investors US, LLC, John Hancock Advisers, LLC, Knights of Columbus Asset Advisors LLC, Lazard Asset Management LLC, Legg Mason Partners Fund Advisor, LLC, Lord, Abbett & Co LLC, Manning & Napier Advisors, LLC, Metropolitan West Asset Management, LLC, MFS Fund Distributors, Inc., MML Investment Advisers, LLC, Needham Funds Neuberger Berman Investment Advisers LLC, New York Life Investment Management Holdings LLC, North Square Investments, LLC, Northern Funds Distributors, LLC, Nuveen Securities, LLC, Pacific Investment Management Company, LLC, Park Place Capital Corporation, Parnassus Investments, LLC, Payden & Rygel, Principal Global Investors, LLC, Prudential Financial, Inc., Putnam Investments Management, LLC, Renaissance Investment Management, Robert W. Baird & Co., Russell Investment Company, SSGA Funds Management, Inc., Smead Funds, Steward Funds, Inc. T. Rowe Price Investment Management, Thornburg Investment Management, Inc. TIAA-CREF Investment Management, LLC, Timothy Plan, Ltd., Touchstone Securities, Inc., Vanguard Group, Inc., Victory Capital Management, Inc., Virtus Investment Partners Inc., Voya Investments Distributor, LLC, Waddell & Reed Financial, Inc., and William Blair & Company, LLC, under which AUL has agreed to render certain services and to provide information about these Funds to its Contract Owners and/or Participants who invest in the Investment Accounts that invest in these Funds.

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The investment advisers of the Funds are identified in the Appendix: Funds Available Under the Contract. All of the investment advisers are registered with the SEC as investment advisers. The Funds offer their shares as investment vehicles to support variable annuity contracts. The advisers or distributors of the Funds may advise and distribute to other investment companies that offer their shares directly to the public, some of which have names similar to the names of the Funds in which the Investment Accounts invest. These investment companies offered to the public should not be confused with the Funds in which the Investment Accounts invest. The Funds are described in their prospectuses, which accompany this prospectus.

The Owner and/or Participant should consult his or her registered representative or financial advisor who may provide information on the Funds, as not all of them may be suitable for an Owner's and/or Participant's long-term investment needs. The Owner and/or Participant can lose money by investing in a contract, and the underlying Funds could underperform other investments. Although the investment objectives and policies of certain Funds are similar to the investment objectives and policies of other Funds that may be managed or sponsored by the same investment adviser, sub-adviser, manager, or sponsor, AUL does not represent or assure that the investment results will be comparable to those of any other Funds, even where the investment adviser, sub-adviser, or manager is the same. Certain Funds available through the contract have names similar to Funds not available through the contract. The performance of a Fund not available through the contract does not indicate performance of a similarly named Fund available through the contract. Differences in portfolio size, actual investments held, fund expenses, and other factors all contribute to differences in Fund performance. For all these reasons, investment results are expected to differ.

THE FUNDS ARE DESCRIBED IN THEIR PROSPECTUSES. FOR MORE COMPLETE INFORMATION CONCERNING THE FUNDS, PLEASE SEE THE APPLICABLE FUND'S PROSPECTUS, WHICH SHOULD BE READ CAREFULLY BEFORE INVESTING.

***Revenue AUL Receives***

Under the agreements referenced in the immediately preceding section, AUL has agreed to render certain services and to provide information about the Funds in the preceding section to its Contract Owners and/or Participants who invest in the Investment Accounts that invest in these Funds. Further, under these agreements, AUL may directly or indirectly receive payments from the underlying Funds, their advisers, sub-advisers, distributors or affiliates thereof, in connection with these administrative, marketing and other services AUL provides and expenses AUL incurs. AUL generally receives these types of payments:

***Rule 12b-1 Fees***

By virtue of the agreements entered into between the Funds, AUL and AUL's affiliated broker dealer, OneAmerica Securities, Inc. (OAS), OAS receives compensation from the distributor of the Funds, ranging from 0.0 percent until a certain level of Fund assets have been purchased to an annual service fee of up to 0.75 percent based on the average daily market value of shares owned by the separate account. OAS generally receives such 12b-1 fees for providing marketing and distribution services to a Fund. OAS retains 12b-1 fees and AUL retains any other fees received that are attributable to AUL's variable insurance products.

***Administrative, Marketing, and Other Support Service Fees***

As noted, AUL receives Support Service Fees from each Fund. This fee is described in greater detail within the agreement for each Fund. These payments may be derived, in whole or in part, from the advisory fee deducted from the underlying Fund's assets. Contract Owners and/or Participants, through their investment in the Investment Accounts that invest in underlying Fund, bear the costs of these advisory fees. The amount of the payments AUL and OAS receive is based on a percentage of the assets of the particular underlying Funds attributable to the contract and to certain other variable insurance products that AUL issues. These percentages differ and may be significant. Some advisers or sub-advisors pay AUL and/or OAS more than others.

Since not all Funds pay the same amount of 12b-1 Fees to OAS or Support Service Fees to AUL, the amount of the fees received by AUL and OAS may be greater or smaller depending upon the manner in which the money that makes up a Participant's Account Value is allocated.

Pursuant to the terms of the transaction AUL entered into with Voya, AUL and OAS pass all revenue received from 12b-1 fees, administrative fees, marketing fees, and other support service fees to Voya.

**THE CONTRACTS**

The contracts are offered for use in connection with retirement programs that meet the requirements of Sections 401, 403(b), 408, 408A, 457 or 409A of the Internal Revenue Code and HRA, HSA and OPEB Plans. Certain federal tax advantages are currently available to retirement programs that qualify as (1) self-employed individuals' retirement plans under Section 401, (2) pension or profit- sharing plans established by an Employer for the benefit of its employees under Section 401, (3) Annuity purchase plans sponsored by certain tax-exempt organizations or public school organizations under Section 403(b), (4) individual retirement annuities, including a traditional IRA and those established by an Employer as a simplified employee

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pension plan or SIMPLE IRA plan under Section 408, or a Roth IRA under Section 408A, or (5) deferred compensation plans for employees established by a unit of a state or local government or by a tax-exempt organization under Section 457 or 409A, and to (6) HRAs, HSAs and OPEB Plans.

A contract is issued to the Owner. Generally, persons eligible to participate in the Owner's Plan are eligible to become Participants under the contract. In certain contracts, the Owner shall be responsible for determining persons who are eligible to become Participants and for designating such persons to us. For purposes of determining benefits under a contract, an account called a Participant's Account is established for each Participant during the Accumulation Period. However, in some contracts, Participant Accounts are not maintained.

The Owner of the contract or the Plan Sponsor (depending on the contract) is generally responsible for providing all communications and instructions concerning Participant Accounts to us. However, in some instances a Participant may communicate directly with us. For example, a Participant in an IRA may request a withdrawal directly from us. While the Owner generally is responsible for remitting Contributions and instructions for Participants, the Participant may be permitted or required to make certain decisions and elections under the contract, as specified by the Owner in the Plan, trust, or another appropriate document. The pertinent Plan document and, if applicable, the Employer's plan administrator should be consulted with any questions about benefits under the contract.

**CONTRIBUTIONS AND CONTRACT VALUES DURING THE ACCUMULATION PERIOD**

***Contributions Under the Contracts***

Contributions under Recurring Contribution Contracts may be made by or on behalf of a Participant at any time during the Participant's life and before the Participant's Annuity Commencement Date. Contributions must be at least equal to the minimum required Contribution under any of the Plans or programs. In Single Contribution Contracts, the minimum Contribution for each Participant is either $1,000 or $5,000, depending on the contract. A Participant may find information regarding any applicable maximum and minimum Contribution limits in the contract certificate issued to the Participant. We may change the minimum Contribution permitted under a contract, but any such change in the minimum required Contribution shall apply only to Participant Accounts established on or after the effective date of the change. We may, at our discretion, waive any minimum required Contribution.

Annual Contributions under any of the Plans are subject to maximum limits imposed under federal tax law. See the Statement of Additional Information for a discussion of these limits or consult the pertinent Plan document. Limitations on the amount of contributions to an Investment Account, if any, are imposed by the Funds and described in the prospectus of such Fund(s).

***Ten-Day Free-Look***

Under 403(b), 408, 408A and certain HRA, HSA, and post- employment benefit plan contracts, the Owner has the right to return the contract for any reason within ten (10) days (or, in some states, twenty (20) days) of receipt. If this right is exercised, the contract will be considered void from its inception and we will fully refund any Contributions.

***Initial and Single Contributions***

Initial Contributions received for a Participant will be credited to the Participant's Account no later than the end of the Business Day following the Business Day in which it is received by us if it is preceded or accompanied by all the information necessary for opening the Participant's Account. If we do not receive the necessary information, we will notify the Owner or individual that we do not have the necessary information to open the Account. If the necessary information is not provided to us at the time we receive the Contribution, we will return the Contribution to the contributing party within five (5) Business Days. However, in some contracts, funds received from a prior plan provider which cannot be allocated to Participant Accounts will not be returned to the Owner or to the provider, but instead will be allocated to an Owner-level account and invested in those Investment Accounts, FIA or SVA approved by the Owner. When the allocation data is received from the prior plan provider, such funds (plus gains/minus losses) are transferred from the Owner-level account to the appropriate Participant Account(s). If such Funds have been allocated to the SVA, an amount equal to the SVA Account Value will be transferred to appropriate Participant Accounts on a pro rata basis.

***Allocation of Contributions***

Initial and subsequent Contributions under the contracts will be allocated among the Investment Accounts of the Variable Account, the FIA or the SVA as instructed by the Owner or Participant and as provided by the terms of the contract. The investment allocation of the initial Contribution is to be designated at the time the enrollment is completed to open an account for a Participant. Depending on the type of contract, the enrollment application specifies that, in the absence of an investment

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allocation form or other instructions, initial and subsequent Contributions shall be allocated to the Goldman Sachs Financial Square Resource Money Market Investment Account ("MMIA"), AUL's General Account, or when allowed by us, to another default Investment Option otherwise selected by the Owner. Allocation will be made to AUL's General Account only if the MMIA Option is not available under a particular contract.

A Participant's Account Value that has been initially allocated to the default Investment Option may be transferred to other available Investment Options by the affected participant(s) via the web site. Allocation to any Investment Account, the SVA or the FIA must be made in one percent increments or in increments permitted by AUL. The FIA, the SVA and all of the Investment Accounts may not be available under a particular contract. In addition, some of the Investment Accounts are not available for certain types of contracts.

Any change in allocation instructions will be effective upon receipt by AUL at the Home Office and will continue in effect until subsequently changed. Changes in the allocation of future Contributions have no effect on amounts already contributed on behalf of a Participant. Such amounts, however, may be transferred among the Investment Accounts of the Variable Account, the FIA, or the SVA in the manner described in "Transfers of Account Value."

***Subsequent Contributions Under Recurring Contribution Contracts***

When forwarding Contributions to us, the amount being contributed on behalf of each Participant must be specified unless Participant Accounts are not maintained under the contract. Participant Accounts may not be maintained under the contract if the Owner elects to allocate Plan assets to investments other than an AUL contract, or in our judgment, the Plan's recordkeeping practices impose an administrative or financial burden on us. In such circumstances, we would be unable to allocate amounts as specified for each Participant because we would not be providing recordkeeping services for the Plan. The Contributions shall be allocated among the Investment Accounts of the Variable Account that are available under a contract and the FIA or SVA (if available) as described above in "Allocation of Contributions." Contributions (other than the initial Contribution for each Participant) are credited as of the end of the Valuation Period in which they are received by us if we have received full payment for the Contribution, the information needed to establish the Participant's Account, and proper instructions regarding the application and allocation of the Contributions among Participants. Contributions may also be forwarded to us electronically. When this method of Contribution is used, an allocation list describing the Contribution to be allocated to each Participant is sent to us by the Owner. We process the allocation list and then initiates an ACH (Automated Clearinghouse) debit on the Owner's account for the amount of the Contribution. Following receipt of the funds, a confirmation is sent to the Owner which lists the amount or amounts allocated to each Participant's Account and the amount of the ACH debit to the Owner's account. ACH or other electronic payment methods generally allow more efficient and timely processing of Contributions. We reserve the right to impose an annual charge on Owners who do not elect to use ACH or other electronic payment methods. The annual fee for manual processing is currently $1,000, but we reserve the right to increase this fee.

***Transfers of Account Value***

All or part of a Participant's Variable Account Value may be transferred among the Investment Accounts of the Variable Account that are available under a contract or to the FIA or SVA (if available under a contract) at any time during the Accumulation Period upon receipt of a proper written request by us, through interactive voice response or through the website.

Generally, there are no limitations on the number of transfers between Investment Accounts available under a contract. See "The Fixed Interest Account" and "The Stable Value Account" for restrictions on transfers involving the FIA or the SVA. In addition, no charges are currently imposed upon transfers. However, if we determine that transfers are being made on behalf of one (1) or more Owners to the disadvantage of other Owners or Participants, the transfer right may be restricted. We reserve the right in certain contracts to impose a minimum or maximum transfer amount, to assess transfer charges, to change the limit on remaining balances, to limit the number and frequency of transfers, and to suspend the transfer privilege or the telephone authorization, interactive voice response, or internet-based transfers.

Any transfer from an Investment Account of the Variable Account shall be effective as of the end of the Valuation Date in which we receive the request in proper form.

***Abusive Trading Practices***

***Late Trading***

Some investors attempt to profit from trading in Funds after the close of the market, but before the Fund has actually been priced. Because the market has closed, these investors have actual knowledge of the price of the securities prior to its calculation. They are, therefore, executing trades in the Funds with information that is not readily available to the market, thereby benefiting financially to the detriment of other shareholders.

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We prohibit late trading. The administrator of the separate accounts of AUL dates and time stamps all trades from whatever source and allows only those trades received prior to the close of the market to receive that day's share value. All trades received after this point will receive the next day's calculated share value.

***Market Timing***

Some investors attempt to profit from various short-term or frequent trading strategies commonly known as market timing. Excessive purchases and redemptions disrupt underlying Fund management, hurt underlying Fund performance and drive underlying Fund expenses higher. These costs are borne by all Owners, including long-term investors who do not generate these costs.

We discourage market timing and excessive trading. If the Owner intends to engage in such practices, they should not invest in the Variable Account. We reserve the right to reject any request to purchase units which it reasonably determines to be in connection with market timing or excessive trading by an investor or by accounts of investors under common control (for example, related Contract Owners, or a financial advisor with discretionary trading authority for multiple accounts).

We do not always know and cannot always reasonably detect such trading. Our policies and procedures only address market timing after the fact and are not prophylactic measures; they will only prevent market timing going forward once discovered. AUL has entered into agreements, pursuant to SEC Rule 22c-2, with all Funds offered under the contract. The agreements require us to provide requested transaction detail to the Funds in order for the Funds to monitor market timing according to each Fund's respective policy. Once a possible abuse is flagged, we may restrict trading to the extent permitted under applicable laws and the contract.

Generally, Participant trading history is reviewed to confirm if the trading activity is indeed abusive. This procedure is enforced against all Participants consistently.

If it is determined that the Participant's trading activity violates any Fund's trading policy, then the Participant shall be notified of restrictions on his or her account. The Participant's access to internet and interactive voice response trades are turned off and they are limited to a specific number of trades per month, as determined by us or the respective Funds. We will not enter into any agreement with any individual, corporation, Plan or other entity that would permit such activity for that entity while discouraging it for other Owners.

Some Funds may charge a redemption fee for short term- trading in their Funds. Furthermore, as stated above, the Funds monitor trading at the omnibus level and enforce their own policies and procedures based on their respective policies. We will cooperate and may share Participant-level trading information with the Funds to the extent necessary to assist in the enforcement of these policies. Please consult the Funds' Prospectuses for more details.

***Participant's Variable Account Value***

***Accumulation Units***

Contributions to be allocated to the Investment Accounts available under a contract will be credited to the Participant's Account in the form of Accumulation Units. The number of Accumulation Units to be credited is determined by dividing the dollar amount allocated to the particular Investment Account by the Accumulation Unit value for the particular Investment Account at the end of the Valuation Period in which the Contribution is received by us. The number of Accumulation Units so credited to the Account shall not be changed by a subsequent change in the value of an Accumulation Unit, but the dollar value of an Accumulation Unit may vary from Valuation Date to Valuation Date depending upon the investment experience of the Investment Account and charges against the Investment Account.

***Accumulation Unit Value***

AUL determines the Accumulation Unit value for each Investment Account of the Variable Account on each Valuation Date. The Accumulation Unit value for each Investment Account is established on the inception date. Subsequently, the Accumulation Unit value for each Investment Account is determined by multiplying the Net Investment Factor for the particular Investment Account by the Accumulation Unit value for the Investment Account as of the immediately preceding Valuation Period. The Accumulation Unit value for each Investment Account may increase, decrease, or remain the same from Valuation Period to Valuation Period in accordance with the Net Investment Factor.

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***Net Investment Factor***

The Net Investment Factor is used to measure the investment performance of an Investment Account from one Valuation Period to the next. For any Investment Account for a Valuation Period, the Net Investment Factor is determined by dividing (a) by (b) and then subtracting (c) from the result where:

(a) is equal to:

(1) the net asset value per share of the Fund in which the Investment Account invests, determined as of the end of the Valuation Period, plus

(2) the per share amount of any dividend or other distribution, if any, paid by the Fund during the Valuation Period, plus or minus

(3) a credit or charge with respect to taxes paid, if any, or reserved for by AUL during the Valuation Period that are determined by AUL to be attributable to the operation of the Investment Account (although no federal income taxes are applicable under present law and no such charge is currently assessed).

(b) is the net asset value per share of the Fund, determined as of the end of the preceding Valuation Period; and

(c) is a daily charge factor determined by AUL to reflect the fee assessed against the assets of the Investment Account for the asset charge.

***Dollar Cost Averaging Program***

Contract Owners and Participants who wish to purchase units of an Investment Account over a period of time may do so through the Dollar Cost Averaging ("DCA") Program. The theory of DCA is that greater numbers of Accumulation Units are purchased at times when the unit prices are relatively lower than are purchased when the prices are higher. This has the effect, when purchases are made at different prices, of reducing the aggregate average cost per Accumulation Unit to less than the average of the Accumulation Unit prices on the same purchase dates. However, participation in the DCA Program does not assure a Contract Owner or Participant of greater profits from the purchases under the Program, nor will it prevent or necessarily alleviate losses in a declining market.

Under a DCA Program, the Owner deposits premiums into the MMIA, FIA or the SVA (if available under the contract) and then authorizes us to transfer a specific dollar amount for a specific length of time from such Account into one (1) or more other Investment Accounts at the unit values determined on the dates of the transfers. This may be done monthly, quarterly, semi-annually, or annually on the last Business Day of such period. These transfers will continue automatically until the earliest of: the date we receive notice to discontinue the Program; until there is not enough money in the MMIA,FIA or SVA to continue the Program; until the expiration of the length of time selected; or if the transfers are being drawn from the FIA, until the time a transfer would exceed the 20 percent or ninety (90) day equity wash limitations on transfers from the FIA, if a particular contract contains the 20 percent or ninety (90) day restriction.

Currently, the minimum required amount of each transfer is $100, although we reserve the right to change this minimum transfer amount in the future. DCA transfers to the FIA, MMIA and to the SVA are not permitted under the DCA Program. At least ten (10) days advance written notice to us is required before the date of the first proposed transfer under the DCA Program. AUL offers the DCA Program to Contract Owners and Participants at no charge, and we reserve the right to temporarily discontinue, terminate, or change the Program at any time. Contract Owners and Participants may discontinue participation in the Program at any time by providing written notice to us, provided that we must receive written notice of such a change at least five (5) days before a previously scheduled transfer is to occur.

Contract Owners or Participants may initially elect to participate in the DCA Program, and if this election is made at the time the contract is applied for, the Program will take effect on the first monthly, quarterly, semi-annual, or annual transfer date following the premium receipt by us. The Contract Owner or Participant may select the month, quarter, or year that the transfers are to be made and such transfers will automatically be performed on the last Business Day of such period. To participate in the Program, a minimum balance of $10,000 in the MMIA, FIA or SVA is required.

**CASH WITHDRAWALS AND THE DEATH BENEFIT**

***Cash Withdrawals***

During the lifetime of the Participant, at any time before the Annuity Commencement Date and subject to the limitations under the applicable Plan and applicable law, a withdrawal may be taken from a Participant's Account Value. A withdrawal request will be effective as of the end of the Valuation Date that a proper written request is received by us. Withdrawal requests and payments are processed and paid in accordance with applicable law and applicable contract terms, if any.

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A withdrawal of a Participant's entire Variable Account Value will result in a withdrawal payment equal to the value of the Participant's Variable Account Value as of the end of the Valuation Period during which a proper withdrawal request is received by us, minus any applicable withdrawal charge.

A withdrawal may be requested for a specified percentage or dollar amount of a Participant's Variable Account Value. In some contracts, the minimum amount that may be withdrawn from a Participant's Variable Account Value in an Investment Account is the lesser of $500 or the Participant's entire Account Value in the Investment Account as of the date the withdrawal request is received by us. A request for a withdrawal will result in a payment by us equal to the amount specified in the withdrawal request. Upon payment, the Participant's Variable Account Value will be reduced by an amount equal to the payment and any applicable withdrawal charge. If a withdrawal is requested that would leave a Participant's Variable Account Value in any Investment Account less than $500, then such withdrawal request will be treated as a request for a full withdrawal from the Investment Account.

The amount of a withdrawal will be taken from the Investment Accounts and the FIA or the SVA as instructed. A withdrawal will not be affected until proper instructions are received by us.

A withdrawal may result in the deduction of a withdrawal charge and application of an MVA. See "Withdrawal Charge," "The Fixed Interest Account" and "The Stable Value Account."

In addition, distributions under certain retirement programs may result in a tax penalty. See "Tax Penalty."

**SYSTEMATIC WITHDRAWAL SERVICE FOR 403(B), 408, 408A, 457 AND 409A PROGRAMS**

A Participant in a contract used in connection with a 403(b) plan (other than an Employer Sponsored 403(b) plan) or 408 or 408A Program who is at least age 59<sup>1</sup>/<sub>2</sub> can generally arrange to have systematic cash withdrawals from his or her Account Value paid on a regular monthly, quarterly, or annual basis. Systematic cash withdrawals are also available for Participants in a contract used in connection with a 457 or 409A Program, but there is no age limitation. Each withdrawal payment must be at least $100. An application form containing details of the service is available upon request from AUL. The service is voluntary and can be terminated at any time by the Participant or Owner. AUL does not currently deduct a service charge for withdrawal payments but reserves the right to do so in the future and, similarly, reserves the right to increase the minimum required amount for each withdrawal payment. Systematic withdrawals are not available for some 403(b) contracts due to the Benefit Responsive features of the contracts.

Participants will pay a withdrawal charge in connection with the systematic cash withdrawals to the extent the withdrawal charge is applicable. See "Withdrawal Charge" and "Federal Tax Matters."

**CONSTRAINTS ON WITHDRAWALS**

***General***

Since the contracts offered by this Prospectus will be issued in connection with retirement programs that meet the requirements of Section 401, Section 403(b), Section 408, 408A, 409A or Section 457 of the Internal Revenue Code, or with HRA, HSA, or OPEB plans, reference should be made to the terms of the particular Plan or contract for any limitations or restrictions on cash withdrawals. A withdrawal that results in receipt of proceeds by a Participant may result in receipt of taxable income to the Participant and, in some instances, in a tax penalty. The tax consequences of a withdrawal under the contracts should be carefully considered. See "Federal Tax Matters."

***403(b) Programs***

Section 403(b) of the Internal Revenue Code permits public school employees and employees of certain types of charitable, educational, and scientific organizations specified in Section 501(c)(3) of the Internal Revenue Code to purchase Annuity contracts, and, subject to certain limitations, to exclude the amount of purchase payments from gross income for federal tax purposes. Section 403(b) imposes restrictions on certain distributions from tax deferred Annuity contracts meeting the requirements of Section 403(b) that apply to tax years beginning on or after January 1, 1989.

Amounts attributable to Code Section 403(b) elective deferral Contributions made pursuant to a salary reduction agreement may be distributed to a Participant pursuant to the provisions of the Plan provided that the distribution shall not occur until the Participant has either attained age 59<sup>1</sup>/<sub>2</sub>, severed employment, died, become totally disabled, experienced a hardship, or a withdrawal is made to provide a Plan loan. In the case of a hardship withdrawal, any gain credited to such Contributions may not be withdrawn. Hardship for this purpose is generally defined as an immediate and heavy financial need, such as paying for medical expenses, the purchase of a principal residence, paying certain tuition expenses, or prevention of foreclosure or eviction. These timing restrictions do not apply to Contributions (but do apply to earnings thereon) that were contributed before 1989, to withdrawals to correct excess Contributions, or to distributions due to Plan termination.

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Payments made to Participants at Plan termination are also permitted if the Plan Sponsor does not make Contributions to another 403(b) plans during the period beginning on the date of Plan termination and ending twelve (12) months after distribution of all assets.

A Participant in a contract purchased as a tax-deferred Section 403(b) Annuity contract will not, therefore, be entitled to exercise the right of surrender or withdrawal, as described in this Prospectus, in order to receive his or her Account Value attributable to Contributions made under a salary reduction agreement or any income or gains credited to such Participant after December 31, 1988, under the contract unless one of the above-described conditions has been satisfied, or unless the withdrawal is otherwise permitted under applicable federal tax law. In the case of transfers of amounts accumulated in a different Section 403(b) contract to this contract under a Section 403(b) Program, the withdrawal constraints described above would not apply to the amount transferred to the contract attributable to a Participant's December 31, 1988, account balance under the old contract, provided that the amounts transferred between contracts qualifies as a tax- free transfer or exchange under the Internal Revenue Code.

For 403(b) contracts issued after 2008, any distribution of non-elective deferrals cannot occur unless the Participant severs employment or upon the occurrence of an event specified in the Plan, such as the attainment of a specified age, after a fixed number of years of service or disability (although this restriction does not apply to withdrawals to correct excess Contributions, distributions of after-tax employee Contributions and earnings thereon, and distributions due to Plan termination). A Participant's Withdrawal Value in a contract may be able to be transferred to certain other investment alternatives meeting the requirements of Section 403(b) that are available under an Employer's Section 403(b) arrangement.

***Texas Optional Retirement Program***

AUL intends to offer the contract within the Texas Optional Retirement Program. Under the terms of the Texas Optional Retirement Program, if a Participant makes the required Contribution, the State of Texas will contribute a specified amount to the Participant's Account. If a Participant does not commence the second year of participation in the plan as a "faculty member," as defined in Title 110B of the State of Texas Statutes, AUL will return the State's contribution. If a Participant does begin a second year of participation, the Employer's first-year Contributions will then be applied as a Contribution under the contract, as will the Employer's subsequent Contributions.

The Attorney General of the State of Texas has ruled that, under Title 110B of the State of Texas Statutes, withdrawal benefits of contracts issued under the Texas Optional Retirement Program are available only in the event of a Participant's death, retirement, termination of employment due to total disability, or other termination of employment in a Texas public institution of higher education. A Participant under a contract issued in connection with the Texas Optional Retirement Program will not, therefore, be entitled to exercise the right of withdrawal to receive the Account Value credited to such Participant unless one of the foregoing conditions has been satisfied. The Withdrawal Value of such Participant's Account may, however, be transferred to other contracts or other carriers during the period of participation in the program.

***The Death Benefit***

If a Participant dies during the Accumulation Period, we will pay a death benefit to the Beneficiary upon receipt of due proof of the Participant's death and instructions regarding payment to the Beneficiary. If there is no designated Beneficiary living on the date of death of the Participant, we will pay the death benefit in one sum to the estate of the Participant upon receipt of due proof of death of both the Participant and the designated Beneficiary and instructions regarding payment. If the death of the Participant occurs on or after the Annuity Commencement Date, no death benefit will be payable under the contract except as may be provided under the Annuity Option elected.

The amount of the death benefit equals the Vested portion of the Participant's Account Value minus any outstanding loan balances and any due and unpaid charges on those loans. Under contracts acquired in connection with 408 and 408A Programs and some 403(b) Programs, the Vested portion of a Participant's Account Value shall be the Participant's entire Account Value. Under Employee Benefit Plans, 409A or 457 Programs and some 403(b) Programs, the Vested portion of a Participant's Account Value is the amount to which the Participant is entitled upon death or separation from service under a vesting schedule contained in the pertinent Plan. If the death benefit is less than a Participant's Account Value, the death benefit shall be paid pro rata from the Investment Accounts and the FIA or SVA, and the remainder of the Account Value shall be distributed to the Owner or as directed by the Owner. Prior to such distribution, any remaining Account Value in the Investment Accounts shall be transferred to AUL's General Account or to the default Investment Account directed by the contract. Certain contracts have a death benefit which is the greater of the Participant's Account Value as of the date the death benefit is calculated or a Guaranteed Minimum Death Benefit ("GMDB") on the contract anniversary immediately preceding the date of death. In this calculation, the GMDB is increased by any Contributions made since the last contract anniversary and is reduced proportionately to reflect any withdrawals made since the last contract anniversary. The GMDB is reset on each contract anniversary and is the greater of (1) the GMDB on the prior contract anniversary, increased by any prior year Contributions,

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and reduced proportionately to reflect any prior year withdrawals, or (2) if the Participant is younger than age 81, the Participant's Account Value on the current contract anniversary. As of the Participant's death, the GMDB will cease to increase or decrease in value.

The death benefit will be paid to the Beneficiary in a single sum or under one of the Annuity Options, as directed by the Participant or as elected by the Beneficiary. If the Beneficiary is to receive Annuity payments under an Annuity Option, there may be limits under applicable law on the amount and duration of payments that the Beneficiary may receive, and requirements respecting timing of payments. A tax advisor should be consulted in considering payout options.

***Death Benefits and Multiple Beneficiaries***

Where there are multiple Beneficiaries, death benefits payable to a Beneficiary remains fully invested in the separate account options selected by the Participant and remain subject to market volatility until that Beneficiary provides proof of death and establishes Beneficiary status. AUL will administer the death benefits as otherwise described herein.

***Termination by the Owner***

An Owner of a contract funding an Employee Benefit Plan, a 409A or 457 Plan, or an Employer-Sponsored 403(b) Plan may terminate the contract by sending proper written notice to us. Termination is effective as of the end of the Valuation Date that the notice is received by us. Proper notice of termination must include an election of the method of payment, an indication of the person(s) to whom payment is to be made, and the Owner's (and, in some contracts, the Plan Sponsor's) agreement that AUL will not be held responsible for any losses or claims that may arise against AUL in connection with making the termination payout as requested by the Owner (provided that such an agreement is not prohibited by the contract or an amendment).

Upon termination of such a contract, generally the Owner may direct AUL to pay an amount equal to the contract's aggregate Variable Account Withdrawal Value (determined as of the end of the Valuation Date that the termination is effective) in a lump sum.

Depending on contract provisions, for contracts funding certain Employee Benefit Plans or 409A or 457 Plans, the Owner may direct AUL to pay the contract's FIA Withdrawal Value in a lump sum subject to an Investment Liquidation Charge ("ILC") or MVA (see discussion below) or if the dollar-weighted average rate of interest AUL credits to amounts withdrawn from the FIA or General Account equals or exceeds the current interest rate credited to new contributions in seven (7) approximately equal installments over six (6) years (for certain Employee Benefit Plan Contracts) or six (6) approximately equal annual installments over five (5) years (for other Employee Benefit Plan Contracts and for some 409A or 457 Plan Contracts).

For some contracts issued prior to 1999 which fund Employer- Sponsored 403(b) Plans, the Owner may direct AUL to pay the contract's FIA Withdrawal Value in seven (7) approximately equal annual installments over six (6) years.

In contracts issued prior to 1999 which fund a Code Section 401(a) Employee Benefit Plan or an Employer-Sponsored 403(b) Plan, the Owner may terminate the contract and elect to receive (within ninety (90) days of written notice by the Owner, and without penalty as defined by law) either:

(1) a lump-sum equal to the contract's aggregate General Account Withdrawal Value, plus or minus an MVA to the extent allowed, which is determined by AUL as of the calculation date by multiplying a specified percentage times the aggregate General Account Withdrawal Value being paid, or

(2) all amounts invested under the contract in AUL's General Account as of the date of calculation, excluding any amounts previously used or set aside to purchase annuities, in eleven (11) approximately equal annual installments over a ten (10) year period (without application of the General Account Withdrawal Charge or an MVA).

Further details regarding options (1) and (2) above and their applicability to a given contract may be found in a contract Supplement.

Similar provisions (without application of an MVA) regarding Participant withdrawals apply to some contracts issued prior to 1999 which fund SEP and SIMPLE IRA Plans.

For some contracts issued after 1998 that fund Employer- Sponsored 403(b) Plans, or for some contracts wherein no Participant Accounts are maintained, no FIA or other General Account Withdrawal Value lump-sum option is available, only installment payments. However, AUL may amend these contracts to permit lump-sum payouts of FIA or other General Account funds, subject to a Withdrawal Charge and an MVA to the extent allowed or may otherwise allow such lump-sum payouts if the dollar-weighted average rate of interest AUL credits to amounts withdrawn from the FIA or General Account equals or exceeds the current interest rate credited to new Contributions. Termination options may be negotiated with individual Plan Sponsors depending on unique or special circumstances.

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Until all of the terminating contract's funds invested in AUL's FIA or other General Account Investment Option have been paid by AUL under any of the installment payments discussed above, the interest rate determined under the contract will be credited to the remaining Withdrawal Values. Interest will be paid with each installment payment.

When making lump-sum payouts of FIA or other General Account funds other than the SVA, AUL applies an ILC or MVA, depending on the contract. The ILC or MVA is equal to a certain percentage, as described in the contract, multiplied by the FIA or other General Account Withdrawal Value. In some contracts, the ILC percentage is 6(i – j), where "i" is the Current Rate of Interest being credited by AUL to new Contributions as of the date of calculation and "j" is the average rate of interest being credited by AUL to various portions of the General Account as of the date of calculation. In some contracts, the MVA percentage is 5(i – j) when "i" exceeds "j," and is deducted from the amount paid. The MVA percentage is 4(j – i) when "i" exceeds "j," and is added to the amount paid. Payment of FIA or any other General Account amounts may be delayed for up to six (6) months after the effective date of termination.

***Termination by AUL***

AUL has the right, subject to applicable state law, to terminate any Participant's Account established under a contract acquired in connection with some Employee Benefit Plans, a 457 or 409A Program, or an Employer Sponsored 403(b) Program at any time during the Contract Year if the Participant's Account Value falls below $300 ($200 for an Employer Sponsored 403(b) Program or for a contract with both 403(b) and 401(a) Funds) during the first (1st) Contract Year, or $500 ($400 for an Employer Sponsored 403(b) Program or for a contract with both 403(b) and 401(a) Funds) during any subsequent Contract Year, provided that at least six (6) months have elapsed since the Owner's last Contribution to the contract. AUL will give notice to the Owner and the Participant that the Participant's Account is to be terminated. Termination shall be effective six (6) months from the date that AUL gives such notice, provided that any Contributions made during the six (6) month notice period are insufficient to bring the Participant's Account Value up to the applicable minimum. Single Contribution Contracts have a minimum required Contribution of $5,000.

Upon termination of a Participant's Account by AUL, AUL will pay an amount equal to the Participant's Account Value as of the close of business on the effective date of termination (or, if the termination effective date is not a Valuation Date, on the next Valuation Date). Payment of this amount will be made within seven (7) days from such effective date of termination.

AUL may, at its option, terminate any contract if there are no Participant Accounts in existence under the contract. There may be no Participant Accounts under the contract if the Owner elects to allocate Plan assets to investments other than an AUL contract, or in AUL's judgment, the Plan's recordkeeping practices impose an administrative or financial burden on AUL.

***Payments from the Variable Account***

Payment of an amount from the Variable Account resulting from a cash withdrawal, transfer from a Participant's Variable Account Value, payment of the death benefit, or payment upon termination by the Owner will be made within seven (7) days from the date a proper request is received at AUL's Home Office. However, AUL can postpone the calculation or payment of such an amount to the extent permitted under applicable law, which is currently permissible only for any period: (a) during which the New York Stock Exchange is closed other than customary weekend and holiday closings, (b) during which trading on the New York Stock Exchange is restricted as determined by the SEC, (c) during which an emergency, as determined by the SEC, exists as a result of which disposal of securities held by the Variable Account is not reasonably practicable, or it is not reasonably practicable to determine the value of the assets of the Variable Account, or (d) for such other periods as the SEC may, by order, permit for the protection of investors. For information concerning payment of an amount from the Fixed Interest Account, see "The Fixed Interest Account" and "Termination by the Owner."

**CHARGES AND DEDUCTIONS**

***Premium Tax Charge***

Various states impose a tax on premiums received by insurance companies. Whether or not a premium tax is imposed will depend on, among other things, the Owner's state of residence, the Annuitant's state of residence, and the insurance tax laws and AUL's status in a particular state. Premium tax rates currently range from 0 percent (0%) to 3.5 percent (3.5%) but are subject to change by such governmental entities. AUL may assess a premium tax charge on certain contracts at the time of annuitization to reimburse itself for such premium taxes incurred, which are directly related to amounts received for the Participant from the balance applied to purchase an Annuity.

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***Withdrawal Charge***

No deduction for sales charges is made from Contributions for a contract. However, if a cash withdrawal is made or the contract is terminated by the Owner, then, depending on the type of contract, a withdrawal charge (which may also be referred to as a contingent deferred sales charge) may be assessed by AUL. In most contracts, the withdrawal charge only applies if the Participant's Account (or, in some contracts, the contract) has not been in existence for a certain period of time. For some contracts, for the first two (2) Contract Years that a Participant's Account exists, the amount withdrawn during a Contract Year that will not be subject to a withdrawal charge is 10 percent of: (1) the total of all Contributions made during the year that the withdrawal is being made, plus (2) the Participant's Account Value at the beginning of the Contract Year. After the first two (2) Contract Years, and until the withdrawal charge has decreased to 0 percent, the amount withdrawn during a Contract Year that will not be subject to an otherwise applicable withdrawal charge is 10 percent of the Participant's Account Value at the beginning of the Contract Year in which the withdrawal is being made. Certain contracts do not contain a 10 percent free-out provision since they are "Benefit Responsive" in nature.

The withdrawal charge varies based on the contract. The maximum withdrawal charge is 8 percent of Account Value in excess of any 10 percent (10%) free-out in contracts containing a 10 percent (10%) free-out provision, for the first five (5) years; 4 percent (4%) of Account Value in excess of any applicable10 percent (10%) free-out, for the next five (5) years; and no withdrawal charge beyond the tenth (10th) year. Your charges may be less than the charges described. Please consult your contract for more details.

Withdrawal charges are not imposed for payment of benefits for retirement provided under "Benefit Responsive" contracts. Under a Benefit Responsive Contract, withdrawal charges are not imposed for payment of benefits for retirement, death, disability, most terminations of employment, hardship (or unforeseeable emergencies, depending on the contract), loans, age 72 required minimum distributions, or benefits upon attainment of age 59<sup>1</sup>/<sub>2</sub> (provided that the age 59<sup>1</sup>/<sub>2</sub> benefit is a taxable distribution paid to the Participant and not to any other person or entity, including any alternative or substitute funding medium). Notwithstanding the above, for some 403(b) Benefit Responsive Contracts, withdrawal charges will not be waived if the amount withdrawn is transferred directly by AUL to another tax-deferred Annuity funding vehicle at the Participant's direction.

Under a modified Benefit Responsive Contract, withdrawal charges are not imposed for cash lump-sum payments of death benefits, or provided the Participant has (1) attained age 55 and has ten (10) years of service with the Employer identified in the Plan, or (2) attained age 62, for the Plan benefits listed in the previous paragraph. However, even in Benefit Responsive or modified Benefit Responsive Contracts, withdrawal charges (and a MVA in some Employee Benefit Plan and Employer Sponsored 403(b) Contracts, to the extent allowed) will be applied to any withdrawal to pay a termination of employment Plan benefit prior to notification of contract termination if the benefit is payable because of, or the underlying reason for payment of the benefit results in, the termination or partial termination of the Plan, as determined under applicable IRS guidelines. In some contracts, withdrawal charges and a MVA will apply if the termination of employment occurs after the Plan Sponsor files for bankruptcy protection or ceases operations, or if such benefits exceed 20 percent of the Contract's Value as of the first (1st) day of the Contract Year.

In no event will the amount of any withdrawal charge, when added to any withdrawal charges previously assessed against any amount withdrawn from a Participant's Account, exceed 8.5 percent (8.5%) of the Contributions made by or on behalf of a Participant under a contract. In addition, no withdrawal charge will be imposed upon payment of a death benefit under the contract.

The withdrawal charge will be used to recover certain expenses relating to sales of the contracts, including commissions paid to sales personnel and other promotional costs. AUL reserves the right to increase the withdrawal charge for any Participant Accounts established on or after the effective date of the change.

***Asset Charge***

AUL deducts a daily charge from the assets of each Investment Account, (the "Asset Charge"). The charge is equal to an annual rate of 0.00 percent, 0.25 percent, 0.50 percent, 0.75 percent, 0.90 percent, 1.00 percent or 1.25 percent of the average daily net assets of each Investment Account. (Please refer to your contract for details regarding the Asset Charge applicable to you.) This amount is intended to compensate AUL for its professional services, administrative services (including systems recordkeeping and Investment Account accounting), case acquisition costs, compliance support, sales office expenses, overhead, sales commissions, Annuity purchase rate guarantees, reasonable profit, and other related costs. The charge is effectively reduced by any applicable Variable Investment Plus factor. You can learn more about the Variable Investment Plus factor later in this prospectus. Pursuant to the terms of the transaction AUL entered into with Voya, AUL will pass all revenue received from the Asset Charge to Voya. The Contract Owner may arrange to have the Asset Charge billed to it on an agreed-upon basis in lieu of the above daily deduction.

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***Variable Investment Plus***

Certain contracts may have a portion of the Asset Charge offset, but never increased, by Variable Investment Plus (VIP) credits. The credit is calculated each month-end, is applied by AUL to purchase Accumulation Units for each Participant under the contract and is reported to Participants as Earnings.

The level of the credit, as a percentage of Investment Account assets, will depend on the aggregate Investment Account assets for the contract at the end of each month, the amount of the Contributions (both for first year and for subsequent years), the level of sales expenses under the contract, and other charges that the Owner has agreed in writing to pay to AUL. Please consult your contract to determine whether a Variable Investment Plus credit applies to your contract and, if it does apply, what the factors are for determining the credit.

AUL reserves the right to change the credit factors upon sixty (60) days' notice of such change.

***Administrative Charge***

AUL may deduct an administrative charge from each Participant's Account equal to a maximum of $75 per year, deducted quarterly if the account exists on the quarterly contract anniversary. The charge is only assessed during the Accumulation Period. When a Participant annuitizes or surrenders on any day other than a quarterly contract anniversary, a pro rata portion of the charge for that portion of the quarter will not be assessed. The charge is deducted proportionately from the Participant's Account Value allocated among the Investment Accounts and the General Account. An administrative charge will not be imposed under certain contracts if the value of a Participant's Account is equal to or more than $35,000 ($25,000 in some contracts) on the quarterly contract anniversary. The purpose of this charge is to reimburse AUL for the expenses associated with administration of the contracts and operation of the Variable Account and are amortized in full in the year in which they are assessed. Administrative and operational expenses to be reimbursed may include, but are not limited to, audit, compliance, legal, billing, system expenses.

***Commissions Paid to Broker-Dealers***

The compensation paid to broker-dealers is based on a percentage of assets in the contract. The compensation will vary based on the specific arrangement AUL has with the financial professional's broker-dealer, but it will not exceed 1.00% of the assets in the contract in the first year. AUL will pay ongoing compensation to broker-dealers for each subsequent year the plan is in-force. Trail compensation will not exceed 1.00% of the assets in the contract.

***Additional Charges and Fees***

Some contracts may also contain the following fees:

(1) Loan Initiation Fees: AUL may assess a Loan Initiation Fee of up to $100 per loan against the Account of any Participant for whom a Plan loan withdrawal is requested.

(2) Loan Administration Fee: AUL may charge an annual fee of up to $50 per loan from the Participant's Account for loan administration.

(3) Charge for Non-Electronic Transfers: AUL may charge a service fee per non-electronic transfer of up to $5 for non- electronic transfers between Investment Options, which will either be billed to the Owner or deducted from the Participant's Account.

(4) Distribution Fee: AUL may bill the Owner for a Distribution Fee of up to $60 for each Participant for whom a withdrawal is made in which the entire Participant Account is distributed in a lump-sum. Alternatively, AUL may assess this Distribution Fee against the affected Participant Accounts if permitted by applicable law, regulations or rulings.

(5) Non-Electronic Contribution Fee: AUL may bill the Owner a fee of $1,000 for non-electronic Contributions. AUL reserves the right to increase this fee.

(6) Brokerage Window Account: AUL may bill the Owner or deduct from the Participant's Account an annual fee of up to $100 for a Brokerage Window Account, available in some Employer-sponsored Plans, which provides the Participant the ability to invest a portion of his or her Account Value in a brokerage account, to be invested with the brokerage window account custodian.

(7) Contract Termination Individual Participant Check Fee: AUL may bill the Owner a fee of up to $100 for each Participant for whom an individual check is prepared upon contract termination. This Fee will not apply to a lump-sum payment to the Owner upon contract termination. Alternatively, AUL may assess this Fee against the affected Participant Accounts if permitted by applicable law, regulations or rulings.

(8) Investment Advice Provider Fee: AUL may bill the Owner for an investment advice provider fee in an amount separately agreed upon by the Owner and the third-party investment advice provider. There is no cost to the Participant when using the basic investment

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advice service. AUL may also assess an account management fee directly against the Account of each Participant who utilizes the more detailed, hands-on managed accounts service. The fee for the managed account service is a maximum of one percent of the total Account Value, paid in 0.25 percent quarterly installments. AUL will forward the fee to the investment advice providers.

(9) Guaranteed Minimum Death Benefit: AUL may charge a maximum of 0.20 percent of the Account Value for a Guaranteed Minimum Death Benefit. Some contracts offer this benefit at no charge. Please consult your contract for details regarding this benefit and the applicable charge.

(10) Plan Sponsor Investment Option Advisory Fee: AUL may bill the Owner for a Plan Sponsor Investment Option Fee. If this option is chosen, Mesirow Financial will recommend a plan- level investment portfolio based on the Plan Sponsor's unique employee profile. For contracts purchased before July 20, 2010, a maximum fee of $1,500 applies, depending on plan assets. Plans with assets greater than $20,000,000 must contact AUL to determine the applicable fee. For contracts purchased after July 20, 2010, Plans with assets less than $500,000 are charged a fee of $500. Plans with assets greater than $500,000 are not charged a fee. AUL will forward the fee to the investment advice providers.

***Other Charges***

AUL may charge the Investment Accounts of the Variable Account for the federal, state, or local income taxes incurred by AUL that are attributable to the Variable Account and its Investment Accounts. No such charge is currently assessed. In certain contracts, unpaid charges due AUL (for which the Plan is responsible and which the Owner has, in writing, agreed to pay) will be deducted from Participant Accounts or the Contract Owner's Account (if Participant Accounts are not maintained) if not paid by the Owner in a timely manner. In certain contracts, the Plan Sponsor may engage a Third-Party Administrator ("TPA") to provide services to it. TPAs are unaffiliated with AUL. TPA fees agreed to by the Plan Sponsor will be deducted from the Contract Owner Account and paid to the TPA. An ILC or a MVA, which applies only to Participants' Fixed Interest Account Values under a contract, may be imposed upon termination by an Owner of some contracts acquired in connection with an Employee Benefit Plan, Employer Sponsored 403(b) (to the extent allowed), 409A or 457 Program and upon certain withdrawals in an Employee Benefit Plan Contract. See "Termination by the Owner" and "The Fixed Interest Account."

***Variations in Charges***

AUL may reduce or waive the amount of the withdrawal charge, the administrative charge, or the Asset Charge for a contract where the expenses associated with the sale of the contract or the administrative costs associated with the contract are reduced. The Asset Charge may be offset by applying the Variable Investment Plus Option. As an example, these charges may be reduced in connection with acquisition of the contract in exchange for another Annuity contract or in exchange for another Annuity contract issued by AUL. AUL may also reduce or waive these charges on contracts sold to the directors or employees of AUL or any of its affiliates or to directors or any employees of any of the Funds.

***Guarantee of Certain Charges***

AUL guarantees that the Asset Charge shall not increase on in-force contracts. However, the Asset Charge may be increased on future contracts. AUL also guarantees that the administrative charge will increase only to the extent necessary to recover the expenses associated with administration of the contracts and operation of the Variable Account.

***Expenses of the Funds***

Each Investment Account of the Variable Account purchases shares at the net asset value of one (1) of the Funds. The net asset value reflects the investment advisory fee and other expenses that are deducted from the assets of the Fund. The advisory fees and other expenses are more fully described in the Funds' Prospectuses.

**ANNUITY PERIOD**

***General***

On the Annuity Commencement Date, the adjusted value of the Participant's Account may be applied to provide an Annuity under one (1) of the options described below. The adjusted value will be equal to the value of the Participant's Account as of the Annuity Commencement Date, reduced by any applicable premium or similar taxes and any outstanding loan balances and unpaid expense charges on those loans.

Generally, the contracts provide for at least two (2) Annuity options, any one of which may be elected if permitted by the particular Plan or applicable law. A lump-sum distribution may also be elected under most Plans. Other Annuity Options may be available upon request at the discretion of AUL. All Annuity Options are fixed, and the Annuity payments remain constant

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throughout the Annuity Period. Annuity payments are based upon Annuity rates that vary with the Annuity Option selected and the age of the Annuitant (except that in the case of a Fixed Period Option, age is not a consideration). The Annuity rates are based upon an assumed interest rate identified in the contracts.

Once Annuity payments have commenced, a Participant cannot surrender his or her Annuity and receive a lump-sum settlement in lieu thereof and cannot change the Annuity Option. If, under any option, monthly payments are less than $25 each, AUL has the right to make either a lump-sum settlement or to make larger payments at quarterly, semiannual, or annual intervals. AUL also reserves the right to change the minimum payment amount. AUL will not allow annuitization of a Participant's Account if the total Account Value is less than the amount specified in the contract. Should this occur, a Participant will receive the Account Value in a lump-sum settlement. Annuity payments will begin on the Annuity Commencement Date. No withdrawal charge will be applied on this Date.

A Participant or, depending on the contract, an Owner on behalf of a Participant, may designate an Annuity Commencement Date, Annuity Option, contingent Annuitant, and Beneficiary on an Annuity Election Form that must be received by AUL at the Home Office at least thirty (30) days prior to the Annuity Commencement Date. However, a Participant may not designate an assumed investment return. AUL may also require additional information before Annuity payments commence. During the lifetime of the Participant and up to thirty (30) days prior to the Annuity Commencement Date, the Annuity Option, the Annuity Commencement Date, or the designation of a contingent Annuitant or Beneficiary, if any, under an Annuity Option may be changed. To help ensure timely receipt of the first (1st) Annuity payment, on the date AUL receives an Annuity purchase request, it will transfer the value of a Participant's Account to the FIA (or the SVA) if it is available as an Investment Option, or to the MMIA (or other default Investment Option(s)), if the FIA (or the SVA) is not available under the contract. The Participant's Account Value will remain in the FIA (or the SVA), or the MMIA or other default Investment Option(s) (depending on the contract) until the full Account Value (reflecting gains and losses) is applied to purchase the Annuity on the last Business Day of the month preceding the Annuity Commencement Date. As of the date the Annuity is purchased, a Participant's funds are no longer maintained under the contract.

***Annuity Options***

***Option 1 — Life Annuity***

An Annuity payable monthly during the lifetime of the Annuitant that ends with the last monthly payment before the death of the Annuitant. The election of this option is automatically canceled if the Participant dies before the Annuity Commencement Date.

***Option 2 — Certain and Life Annuity***

An Annuity payable monthly during the lifetime of the Annuitant with the promise that if, at the death of the Annuitant, payments have been made for less than a stated period, which may be five (5), ten (10), fifteen (15), or twenty (20) years, as elected, Annuity payments will be continued during the remainder of such period to the Beneficiary.

***Option 3 — Survivorship Annuity***

An Annuity payable monthly during the lifetime of the Annuitant, and, after the death of the Annuitant, an amount equal to 50 percent, 66<sup>2</sup>/<sub>3</sub> percent, or 100 percent (as specified in the election) of such Annuity will be paid to the contingent Annuitant named in the election if and so long as such contingent Annuitant lives. The election of this option is automatically cancelled if either the Participant or the contingent Annuitant dies before the Annuity Commencement Date. Another form of benefit would then be elected by the survivor.

***Option 4 — Installment Refund Life Annuity***

An Annuity payable monthly during the lifetime of the Annuitant except, that at the death of the Annuitant, the Beneficiary will receive additional Annuity payments until the amount paid to purchase the Annuity has been distributed.

***Option 5 — Fixed Periods***

An Annuity payable monthly for a fixed period (not less than five (5) years or more than thirty (30) years) as elected, with the guarantee that if, at the death of the Annuitant, payments have been made for less than the selected fixed period, Annuity payments will be continued during the remainder of said period to the Beneficiary. This option is not available in all contracts.

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***Selection of an Option***

Participants should carefully review the Annuity Options with their financial or tax advisors, and reference should be made to the terms of a particular Plan for pertinent limitations respecting Annuity payments and other matters. The duration of annuity payments may affect the amount of the payments. For instance, under requirements for retirement plans that qualify for treatment under Sections 401, 403(b), 408, 409A or 457 of the Internal Revenue Code, Annuity payments generally must begin no later than April 1 of the calendar year following the calendar year in which the Participant reaches age 72, provided the Participant is no longer employed. For Options 2 and 5, the period elected for receipt of Annuity payments under the terms of the Annuity Option generally may be no longer than the joint life expectancy of the Annuitant and Beneficiary in the year that the Annuitant reaches age 72 and must be shorter than such joint life expectancy if the Beneficiary is not the Annuitant's spouse and is more than ten (10) years younger than the Annuitant. Under Option 3, if the contingent Annuitant is not the Annuitant's spouse and is more than ten (10) years younger than the Annuitant's spouse and is more than ten (10) years younger than the Annuitant, the 66<sup>2</sup>/<sub>3</sub> percent and 100 percent elections specified above may not be available.

**BENEFITS AVAILABLE UNDER THE CONTRACT**

The following table summarizes information about the standard and optional benefits available under the contract. More detailed information about the fees associated with each benefit included in the table may be found in the Expense Table.

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| | | | | |
|:---|:---|:---|:---|:---|
| **<br>Name of Benefit** | **<br>Purpose** | **Is Benefit<br>Standard or<br>Optional** | **Maximum<br>Annual<br>Fee** | **<br>Brief Description<br>of Restrictions/Limitations** |
| Dollar Cost Averaging ("DCA") Program | Allows Contract Owners and Participants to purchase units of an Investment Account over a period of time in an attempt to reduce the aggregate average cost per Accumulation Unit. | Standard | $0 | • To participate in the DCA Program, a minimum balance of $10,000 in the MMIA, FIA or SVA is required.<br>• The minimum required amount of each transfer is $100.<br>• At least 10 days advance written notice to AUL is required before the date of the first proposed transfer.<br>• AUL reserves the right to temporarily discontinue, terminate, or change the Program at any time in the future. |
| Brokerage Window | Allows the Participant the ability to invest a portion of the Account Value in a brokerage account, to be invested with the brokerage window account custodian. | Optional  | $100 | • Only available with certain Employer Sponsored Contracts at certain asset levels. |
| Investment Advice Provider with Managed Account Services | Allows Contract Owners and Participants access to investment professionals that offer individualized investment advice. | Optional  | 1.00% | • Investment advice provider is not affiliated with AUL.<br>• There is no cost to the Participant when using the basic investment advice service.<br>• Account management fees are assessed against the Account of each Participant who utilizes a more detailed, hands-on managed account service. |

| Guaranteed Minimum Death Benefit ("GMDB") | Allows a Beneficiary to receive the greater of the Participant's Account Value as of the date the death benefit is calculated or the GMDB. | Optional  | 0.20% | • The charge only applies to certain IRA contracts. |

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***Dollar Cost Averaging ("DCA") Program***

The DCA Program, if elected, enables Contract Owners and Participants to transfer systematically and automatically, on a monthly basis, specified dollar amounts from the MMIA to other Investment Accounts. By allocating on a regularly scheduled basis, as opposed to allocating the total amount at one particular time, the Owner may be less susceptible to the impact of market fluctuations. However, participation in the DCA Program does not assure a Contract Owner of greater profits from the purchases under the Program, nor will it prevent or necessarily alleviate losses in a declining market.

The Owner specifies the fixed dollar amount to be transferred automatically from the MMIA. The minimum required amount of each transfer is $100. At the time that the Owner elects the DCA Program, a minimum balance of $10,000 in the MMIA, FIA or SVA is required. At least 10 days advance written notice to AUL is required before the date of the first proposed transfer.

The Owner may elect this DCA Program at the time of application by completing the authorization on the application or at any time after the contract is issued by properly completing and returning the election form. Transfers made under the DCA Program will commence on the Monthiversary following the election.

Once elected, transfers from the MMIA will be processed until the value of the Investment Account is completely depleted or the Owner sends AUL Proper Notice instructing AUL to cancel the transfers.

Currently, transfers made under the DCA Program will not be subject to any transfer charge and will not count against the number of free transfers permitted in a Policy Year. Owners can only elect one transfer program at a time. AUL also reserves the right to alter the terms or suspend or eliminate the availability of the Ongoing DCA Program at any time.

***Brokerage Window***

The brokerage window is an optional benefit that allows the Participant the ability to invest a portion of the Account Value in a brokerage account.

The maximum annual fee for the brokerage window is $100. We will deduct the annual fee on a pro-rata basis from each Contribution and each investment made through the Brokerage Window tracked under that Participant's Account. This fee will be deducted on the date the Participant is enrolled in the brokerage window account and on each anniversary of that date upon which the Participant has a non-zero brokerage window account balance. We may increase the brokerage window account annual fee no more frequently than annually upon 60 days notice to Contract Owners and Participants. The brokerage window account annual fee is in addition to any other fee charged by the brokerage window account custodian or any other entity in connection with the brokerage window account.

Participation in the brokerage window is only available with certain Employer Sponsored Contracts at certain asset levels.

While the brokerage account window allows access to a wider range of investment options, there is no guarantee that those options will perform better than the standard Funds offered with the contract.

***Investment Advice Provider with Managed Account Services***

The Investment Advice Provider with Managed Account Services benefit is an optional benefit that allows Contract Owners and Participants access to investment professionals that offer individualized investment advice. The investment advice provider is ProNvest, LLC, doing business as Future Capital ("Future Capital") which is a registered investment adviser that provides independent investment advice to employer sponsored plans. Future Capital is not affiliated with AUL.

There is no cost to the Participant when using the basic investment advice service. However, account management fees of up to 1.00% are assessed against the Account of each Participant who utilizes a more detailed, hands-on managed account service. There is an investment advisory relationship between Future Capital and Contract Owners and Participants who select this service, and Future Capital's Form ADV Part 2A and Client Relationship Summary are provided in electronic format through the Contract Owner's and Participant's account. You may request these disclosures in written form by contacting ProNvest directly.

Depending on the level of services selected, Future Capital allocates a Participant's Account Value in the various Funds available in the contract to meet the Participant's individual financial needs by considering various factors, including but not limited to, age, investment objectives, risk tolerance, time horizon and any other relevant factors. The investment advice provided by Future Capital does not guarantee better investment performance.

***Plan Sponsor Investment Option***

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Investment Manager for the Employee Benefit Plan, as defined in Section 3(21) or 3(38) of the Employee Retirement Income Security Act of 1974 ("ERISA") , as applicable. To select this optional benefit, the Contract Owner will execute an investment management agreement directly with MFIM

MFIM will construct Portfolios made up solely of Funds selected by MFIM from among the investment options offered on the contract. MFIM will construct the portfolios to provide varying degrees of long-term appreciation and capital preservation through a mix of equity and fixed income exposures base on Participants' target retirement dates in five-year increments. MFIM will change the Portfolio's respective asset allocations and associated risk levels over time with the intent of decreasing investment risk as each target retirement date approaches.

The maximum annual fee for the investment option is 0.03%. This fee is administered by AUL, but it is paid to MFIM. AUL does not retain any portion of the fee. The selection of this optional benefit does not guarantee better investment performance.

***Guaranteed Minimum Death Benefit ("GMDB")***

The GMDB is an optional benefit that allows a Beneficiary to receive the greater of the Participant's Account Value as of the date the death benefit is calculated or the GMDB. The GMDB is increased by any Contributions made since the last contract anniversary and is reduced proportionately to reflect any withdrawals made since the last contract anniversary. The GMDB is reset on each contract anniversary and is the greater of (1) the GMDB on the prior contract anniversary, increased by any prior year Contributions, and reduced proportionately to reflect any prior year withdrawals, or (2) if the Participant is younger than 81, the Participant's Account Value on the current contract anniversary. As of the Participant's death, the GMDB will cease to increase or decrease in value. Excessive withdrawals could impact the value of the GMDB.

The GMDB is subject to an annual fee of 0.20% of the Owner's Account Value. This charge only applies to certain IRA contracts.

**THE FIXED INTEREST ACCOUNT ("FIA")**

Contributions or transfers to the FIA become part of AUL's General Account. The General Account is subject to regulation and supervision by the Indiana Insurance Department as well as the insurance laws and regulations of other jurisdictions in which the contracts or certificates issued under the contracts are distributed. In reliance on certain exemptive and exclusionary provisions, interests in the General Account have not been registered as securities under the Securities Act of 1933 (the "1933 Act") and the General Account has not been registered as an investment company under the 1940 Act. Accordingly, neither the General Account nor any interests therein are generally subject to the provisions of the 1933 Act or the 1940 Act. This disclosure is subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in the Prospectus. This Prospectus is generally intended to serve as a disclosure document only for aspects of a contract involving the Variable Account and contains only selected information regarding the General Account. For more information regarding the General Account, see the contract.

***Interest***

A Participant's FIA Value earns interest at fixed rates that are paid by AUL. The Account Value in the FIA earns interest at one (1) or more interest rates determined by AUL at its discretion and declared in advance ("Current Rate"), which are guaranteed to be at least an annual effective rate ("Guaranteed Rate") specified in the contract. Contributions or transfers to a Participant's Account which are credited to the FIA during the time the Current Rate is in effect are guaranteed to earn interest at that particular Current Rate for at least one (1) year, except for a "portfolio rate" contract where the rate may be changed each January 1, although increases in the rate may occur at any time. AUL may declare a different Current Rate for a particular contract based on costs of acquisition to AUL or the level of service provided by AUL. Transfers from other AUL annuity contracts may be transferred at a rate of interest different than the Current Rate.

Except for transfers from other AUL annuity contracts, amounts contributed or transferred to the FIA earn interest at the Current Rate then in effect. Amounts transferred from other AUL Annuity contracts may not earn the Current Rate, but may, at AUL's discretion, continue to earn the rate of interest which was paid under the former contract. If AUL changes the Current Rate, such amounts contributed or transferred on or after the effective date of the change earn interest at the new Current Rate; however, amounts contributed or transferred prior to the effective date of the change may earn interest at the prior Current Rate or other Current Rate determined by AUL. Therefore, at any given time, various portions of a Participant's Fixed Interest Account Value may be earning interest at different Current Rates for different periods of time, depending upon when such portions were originally contributed or transferred to the FIA. AUL bears the investment risk for Participant's Fixed Interest Account Values and for paying interest at the Current Rate on amounts allocated to the FIA.

For certain contracts, AUL reserves the right at any time to change the Guaranteed Rate of interest for any Participant Accounts established on or after the effective date of the change, although once a Participant Account is established, the Guaranteed Rate may not be changed for the duration of that Account.

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***Withdrawals and Transfers***

A Participant (or a Contract Owner on behalf of a Participant) may withdraw his or her Fixed Interest Account value, subject to the provisions of the contract. This Fixed Interest Account value is determined as of the day the withdrawal is affected, minus any applicable withdrawal charge, plus or minus a MVA in certain contracts, and minus the Participant's outstanding loan balance(s), if any, and any expense charges due thereon.

A withdrawal may be requested for a specified percentage or dollar amount of the Participant's FIA Value. Where a Participant has outstanding collateralized policy loans under a contract, a withdrawal will be permitted only to the extent that the Participant's remaining FIA Withdrawal Value equals twice the total of the outstanding loans under the Participant's Account.

In some contracts, the minimum amount that may be withdrawn from a Participant's FIA Value is the lesser of $500 or the Participant's entire FIA Value as of the date the withdrawal request is received by AUL at the Home Office. If a withdrawal is requested that would leave the Participant's FIA Value less than $500, then such withdrawal request will be treated as a request for a full withdrawal from the FIA. In other contracts, withdrawals from a Participant's Account Value may not be made in an amount less than the smaller of $5,000 or the Participant's entire Account Value. In these contracts, AUL reserves the right to pay out the Participant's remaining Account Value if a withdrawal reduces the Participant's remaining Account Value to an amount less than $5,000.

If a Participant has more than one (1) Account, then the Account from which the withdrawal is to be taken must be specified and any withdrawal restrictions shall be effective at an Account level. For a further discussion of withdrawals as generally applicable to a Participant's Variable Account Value and Fixed Interest Account Value, see "Cash Withdrawals".

A Participant's FIA Value may be transferred from the FIA to the Variable Account subject to certain limitations. Where a Participant has outstanding collateralized policy loans under a contract, a transfer will be permitted only to the extent that the Participant's remaining FIA Withdrawal Value in the FIA equals twice the total of the outstanding loans under the Participant's Account. A Participant may transfer part or all of the Participant's Fixed Interest Account Value (subject to the outstanding loan provision mentioned above) to one (1) or more of the available Investment Accounts during the Accumulation Period, provided, however, that if a Participant's FIA Value is $2,500 or more on the first (1st) day of a Contract Year, then amounts transferred from the FIA to an Investment Account during any given Contract Year cannot exceed 20 percent of the Participant's Fixed Interest Account Values as of the beginning of that Contract Year. Transfers and withdrawals of a Participant's Fixed Interest Account Values will be affected on a first-in, first-out basis. If a Participant has more than one Account, then the Account from which the transfer is to be taken must be specified and any transfer restrictions shall be effective at an Account level.

The 20 percent restriction on transfers during any given Contract Year from the FIA to an Investment Account shall not apply to some contracts funding Employer Sponsored 403(b) Programs, Employee Benefit Plans, or 408 SEP or SIMPLE IRA contracts if: (1) the Owner (or Plan Sponsor) selects the FIA as an Investment Option to Participants under the contract; and (2) the Owner (or Plan Sponsor) does not select either the MMIA or the Vanguard Short- Term Federal Bond Investment Accounts as available Investment Option to Participants under the contract. Then, in lieu of the 20 percent restriction and following a transfer from the FIA to the Variable Account by a Participant, a transfer back to the FIA shall be allowed only after ninety (90) days have elapsed since the last previous transfer from the FIA.

In some contracts where no Participant Accounts are maintained, transfers from the FIA may not be permitted at contract termination or for certain non-benefit responsive benefits when the FIA is to be paid in installments.

Except as noted previously, generally there are no limitations on the number of transfers between Investment Accounts available under a contract or the FIA. However, if AUL determines that transfers are being made on behalf of one or more Owners to the disadvantage of other Owners or Participants, the transfer right may be restricted.

AUL reserves the right, at a future date, to impose a minimum or maximum transfer amount, to assess transfer charges, to change the limit on remaining balances, to limit the number and frequency of transfers, and to suspend the transfer privilege or the telephone authorization, interactive voice response, or internet-based transfers.

In addition, in some contracts, Owner-directed transfers from the FIA are subject to a MVA. Any transfer from an Investment Account of the Variable Account shall be effective as of the end of the Valuation Date in which AUL receives the request in proper form.

***Transfer of Interest Option***

Participants may elect to use interest earned in their FIA to purchase Accumulation Units in one (1) or more Variable Accounts. Upon receipt at AUL's Home Office of properly executed written instructions to do so, AUL will, on the last Business Day of each month and monthly thereafter, use the interest earned in the FIA during that month to purchase Accumulation Units at the corresponding Accumulation Unit Value on each date that a purchase is made. To elect this Option, the Participant must have previously provided AUL with instructions specifying the Variable Investment Account or Accounts to be purchased and a

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percentage allocation among Investment Accounts if more than one (1) Investment Account has been elected. If no such instructions are received by AUL, then the Participant's prior investment allocation instructions will be used by AUL to allocate purchases under this Option.

To participate in this Option, a Participant's FIA Value must be greater than $10,000 and the Participant's Account must have been in existence for a period of at least one (1) year. Amounts transferred out of the FIA under this Option will be considered a part of the 20 percent maximum amount that can be transferred from the FIA to a Variable Account during any given Contract Year or will be subject to the 90-day equity wash restriction, whichever FIA transfer restriction is applicable under the contract.

***Contract Charges***

The withdrawal charge will be the same for amounts withdrawn from a Participant's General Account Value as for amounts withdrawn from a Participant's Variable Account Value. In addition, the administrative charge will be the same whether or not a Participant's Account Value is allocated to the Variable Account or the General Account. The Asset Charge will not be assessed against the General Account, and any amounts that AUL pays for income taxes allocable to the Variable Account will not be charged against the General Account. In addition, the investment advisory fees and operating expenses paid by the Funds will not be paid directly or indirectly by Participants to the extent the Account Value is allocated to the General Account; however, such Participants will not participate in the investment experience of the Variable Account. See "Charges and Deductions."

An ILC or MVA, depending on the contract, may be imposed upon termination by an Owner of a contract and upon certain withdrawals in certain contracts. See "Termination by the Owner" and "The Fixed Interest Account."

***Payments from the Fixed Interest Account***

Withdrawals and transfers from the FIA or other distribution based upon a Participant's FIA Value may be delayed for up to six (6) months after a written request in proper form is received by AUL at the Home Office. During the period of deferral, interest at the applicable interest rate or rates will continue to be credited to the Participant's FIA Value. For information on payment upon termination by the Owner of a contract acquired in connection with an Employee Benefit Plan, an Employer Sponsored 403(b) Program, or a 409A or 457 Program, see "Termination by the Owner."

***403(b) Plan Loans***

If a 403(b) Plan allows, a loan may be taken at any time prior to the Annuity Commencement Date. The minimum loan that can be taken at any time is specified in the Plan. The maximum amount that can be borrowed at any time is an amount which, when combined with the largest loan balance during the prior twelve (12) months, does not exceed the lesser of (1) 50 percent of the Participant's Withdrawal Value in the General Account, or (2) $50,000.

Interest will be charged for the loan and will accrue on the loan balance from the effective date of any loan. The interest rate will be determined under the Plan.

Loans to Participants must be repaid within a term of five (5) years, unless the Participant certifies to AUL that the loan is to be used to acquire a principal residence for the Participant, in which case the term may be longer. Loan repayments must be made at least quarterly.

The restrictions or limitations stated above may be modified, or new restrictions and limitations added, to the extent necessary to comply with Section 72(p) of the Internal Revenue Code or its regulations, under which a loan will not be treated as a distribution under a 403(b) Program, or other applicable law. It should be noted that the IRS has issued regulations which cause the outstanding balance of a loan to be treated as a taxable distribution if the loan is not repaid in a timely manner. As the lender in the collateralized loan setting, AUL may, by contract amendment, limit the availability of future collateralized loans under the contract

**THE STABLE VALUE ACCOUNT ("SVA")**

***In General***

The "Stable Value Account" or "SVA" is an Investment Option in which Contributions to contracts used to fund 401(a), 403(b), and 457 Plans are accumulated at a current interest rate. Like the Fixed Interest Account ("FIA"), the SVA constitutes a portion of AUL's General Account. New Contract Owners who want a General Account investment option must choose either the FIA or the SVA but cannot choose both. The SVA may be offered to existing Contract Owners at AUL's discretion.

With the SVA, the Contract Owner may elect any "Variable Account Competing Investment Account" subject to the following restriction: A Contract Owner or Participant may not transfer any amount from the SVA to a Variable Account Competing

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Investment Account. A Contract Owner or Participant who transfers amounts from the SVA to a non-Variable Account Competing Investment Account may not transfer amounts to the SVA or a Variable Account Competing Investment Account until ninety (90) days have passed from the date of the Contract Owner's or Participant's last transfer from the SVA, whichever is later. A "Variable Account Competing Investment Account" is any Investment Account with an average effective duration of three (3) years or less, a money market Investment Account, a stable value Investment Account that is not the AUL SVA, or any other Investment Account deemed competing by AUL. Please see the Appendix: "Funds Available under the Contract" for more information.

All Contributions and transfers to the SVA will earn the current interest rate in effect at the time the Contribution or transfer is made, until that rate is changed. Each year, at least thirty-five (35) days prior to January 1, AUL will declare a new rate for the SVA that will apply for the subsequent calendar year. All monies in the SVA will earn interest at the rate in effect. At the time AUL declares a new rate for the next year, the Contract Owner has the option of rejecting the new rate, provided that notice of such rejection is received by AUL at its Home Office at least five (5) days prior to the date that the new rate takes effect. If the new rate is rejected, the Owner will have terminated the contract. Until such time as SVA funds are ultimately paid out, they will continue to earn interest at the rate in effect for the SVA as of the Business Day that AUL receives notice of rejection of the new rate at its Home Office. This rate should never be less than the NAIC indexed rate then in effect (see the following discussion in "Guaranteed SVA Account Value." There is no minimum current interest rate guarantee and no Market Value Adjustment (MVA).

***Guaranteed SVA Account Value***

AUL maintains a "Guaranteed SVA Account Value" for Participant Accounts and Contract Owner-level accounts that is equal to the greater of:

(a) a Participant's or Contract Owner's SVA Account Value, or

(b) an amount equal to the total of all Contributions, transfers, reallocations and interest credited to the SVA for the Participant or the Contract Owner that have not been previously withdrawn, at a rate of interest equal to the National Association of Insurance Commissioners (NAIC) Model Standard Nonforfeiture Rate [i.e., the average 5-year Constant Maturity Treasury Rate reported by the Federal Reserve for the month of October of the calendar year immediately preceding each calendar year in which monies are invested in the SVA (rounded to the nearest 0.05%), minus 1.25%. This interest rate will never be less than 1% nor greater than 3%.]

When amounts are withdrawn from the SVA to provide a partial benefit or any transfer, both the SVA Account Value and the amount described in (b) above will be reduced by the same percentage to reflect the transaction if, at that time, the amount described in (b) above is less than or equal to the SVA Account Value. However, both the SVA Account Value and the amount described in (b) above will be reduced by the same dollar amount to reflect the transaction if, at that time, the amount described in (b) above is greater than the SVA Account Value.

AUL may elect at any time to credit the Participant's or Contract Owner's SVA Account Value as additional earnings an amount equal to any excess by which the amount described in (b) above exceeds the SVA Account Value.

If a Participant has a distributable event and is less than 100% Vested under the Plan, and if he receives all or a portion of his Vested Account Value as a Plan benefit, his entire non-Vested Account Value as of such date of withdrawal (including an amount equal to any excess by which the amount described in (b) above exceeds the SVA Account Value) shall be transferred and credited as of such date to a Contract Owner-level forfeiture account in the contract. However, if none of the Participant's Vested Account Value is withdrawn to provide a benefit, an amount equal to his non-Vested Account Value (including an amount equal to any excess by which the amount described in (b) above exceeds the SVA Account Value) shall only be transferred and credited to the Contract Owner-level forfeiture account as of the date that a permanent break in service has occurred under the Plan. If the Participant is rehired after terminating employment and if the Plan allows, he may repay the amount of his withdrawal into his Account and any amount that had been transferred and credited to the Contract Owner-level forfeiture account will be transferred from that account and re-credited to the Participant's Account.

***Transfers to and from the SVA***

All or a portion of the Participant's SVA Account Value may be transferred from the SVA. Contract Owner-directed transfers to and from the SVA are subject to AUL's approval.

***Benefits Paid from the SVA***

If a Participant's entire Account is withdrawn to provide a Plan benefit, the Participant's Guaranteed SVA Account Value is used to provide the benefit from the SVA, subject to any applicable withdrawal charge as provided in the contract.

If the Participant's Beneficiary elects not to take a distribution and an account for the Beneficiary is maintained under the contract, the Guaranteed SVA Account Value transferred to his account will continue to be maintained for the Beneficiary.

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***Annuities Paid from the SVA***

On the date AUL receives a request to withdraw a Participant's Account to provide an Annuity, AUL transfers the amount requested to the SVA. These amounts remain in the SVA until the SVA Account Value (or the Guaranteed SVA Account Value if the entire Account is withdrawn) is applied to purchase the Annuity on the last day of the month preceding the Annuity Commencement Date.

***Contract Termination***

As soon as administratively feasible following the Business Day that AUL receives the Contract Owner's request to terminate its contract, but no later than five (5) Business Days following the Business Day that AUL receives that request, no transfers to or from the SVA may be made, and Plan benefits are paid as described below.

The contract termination effective date is the Business Day that AUL receives the Contract Owner's notice of intent to terminate. Rejection of a new interest rate declared for the SVA constitutes notice of contract termination if received by AUL at least five (5) days prior to the effective date of the new rate.

At contract termination, the Contract Owner may elect one of the following options:

(a) (1) The Variable Account Value of each Participant, minus any applicable withdrawal charge, will be paid in a lump-sum.

(2) The SVA amounts shall earn interest in a specific calendar year at the rate as in effect for the SVA as of termination effective date but shall never be less than a minimum interest rate equal to the average five (5) year Constant Maturity Treasury Rate reported by the Federal Reserve for the month of October of the calendar year immediately preceding such specific calendar year (rounded to the nearest 0.05%), minus 1.25%. This minimum guaranteed interest rate shall not be less than 1% nor greater than 3%. Such accumulated amounts, subject to a withdrawal charge, will be paid out 365 days or, in some contracts, up to 1,095 days following the contract termination effective date. Only Plan benefit payments payable as an Annuity or for retirement, death, disability, termination of employment and required minimum distributions pursuant to Code Section 401(a)(9) that are not subject to a withdrawal charge according to the contract's provisions will be allowed during this 365-day or up to 1,095-day period. An earlier payout within the 365-day or up to 1,095-day period may be arranged with the Contract Owner at AUL's option.

(b) If the Contract Owner's plan is terminating, the Contract Owner may permit a Participant to transfer his Variable Account Value and his Guaranteed SVA Account Value to any group Annuity contract that AUL may make available. The transfer of the Variable Account Value will occur on the contract termination effective date and no withdrawal charge will be assessed. SVA monies can be transferred subject to the same limitations described in (a) above. AUL will not maintain individual Participant Accounts during the 365-day or up to 1,095 day period, will not continue Plan recordkeeping services, and will cease to provide quarterly statements of Account Value, but will be able to determine the proper payout amount for each Participant.

**OTHER INFORMATION ABOUT THE CONTRACTS**

***Designation and Change of Beneficiary***

The Beneficiary designation will remain in effect until changed. Payment of benefits to any Beneficiary are subject to the specified Beneficiary surviving the Participant. Unless otherwise provided, if no designated Beneficiary is living upon the death of the Participant prior to the Annuity Commencement Date, the Participant's estate is the Beneficiary. Unless otherwise provided, if no designated Beneficiary under an Annuity Option is living after the Annuity Commencement Date, upon the death of the Annuitant, the Annuitant's estate is the Beneficiary.

Subject to the rights of an irrevocably designated Beneficiary, the designation of a Beneficiary may be changed or revoked at any time while the Participant is living by filing a written Beneficiary designation or revocation in such form as we may require. The change or revocation will not be binding until it is received by us. When it is so received, the change or revocation will be effective as of the date on which the Beneficiary designation or revocation was signed, but the change or revocation will be without prejudice to us if any payment has been made or any action has been taken by us prior to receiving the change or revocation.

Reference should be made to the terms of the particular Plan and any applicable law for any restrictions on the Beneficiary designation. For instance, under an Employee Benefit Plan or ERISA- compliant Employer Sponsored 403(b) Program, the Beneficiary (or contingent Annuitant) must be the Participant's spouse if the Participant is married, unless the spouse properly consents to the designation of a Beneficiary (or contingent Annuitant) other than the spouse.

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***Assignability***

In some contracts, no benefit or privilege under a contract may be sold, assigned, discounted, or pledged as collateral for a loan or as security for the performance of an obligation or for any other purpose to any person or entity other than AUL.

***Proof of Age and Survival***

AUL may require proof of age or survival of any person on whose life annuity payments depend.

***Misstatements***

If the age of an Annuitant or contingent Annuitant has been misstated, the correct amount paid or payable by AUL shall be such as the Participant's Account Value would have provided for the correct age.

***Termination of Recordkeeping Services***

We generally provide Plan recordkeeping services when all of a Plan's Funds are held under a contract. We reserve the right to terminate an administrative services agreement for a Plan or a contract if the Owner elects to allocate Plan assets to investments other than an AUL contract, or if in our judgment, the Plan's recordkeeping practices impose an administrative or financial burden on us. If we ceases to provide Plan recordkeeping for any reason, any administrative services agreement between the Owner and us regarding the Owner's Plan, and our responsibilities under such administrative services agreement will automatically cease. Likewise, if an administrative services agreement is terminated by us for any reason, individual Participant Accounts will not continue to be maintained under the contract.

**TAX CONSIDERATIONS**

***Introduction***

The contracts described in this Prospectus are designed for use as funding vehicles for retirement plans under the provisions of Sections 401, 403(b), 408, 408A, 409A and 457 of the Internal Revenue Code and certain other Employee Benefit Plans such as HRA, HSA and OPEB plans. The ultimate effect of federal income taxes on values under a contract, the Participant's Account, on Annuity payments, and on the economic benefits to the Owner, the Participant, the Annuitant, and the Beneficiary or other payee may depend upon the type of Plan for which the contract is purchased and a number of different factors. The discussion contained herein and in the Statement of Additional Information is general in nature. It is based upon AUL's understanding of the present federal income tax laws as currently interpreted by the IRS and is not intended as tax advice. No representation is made regarding the likelihood of continuation of the present federal income tax laws or of the current interpretations by the IRS. Moreover, no attempt is made to consider any applicable state or other laws. Because of the inherent complexity of such laws and the fact that tax results will vary according to the particular circumstances of the Plan or individual involved, any person contemplating the purchase of a contract, or becoming a Participant under a contract, or receiving Annuity payments under a contract should consult a qualified tax advisor.

AUL DOES NOT MAKE ANY GUARANTEE OR REPRESENTATION REGARDING THE TAX STATUS, FEDERAL, STATE, OR LOCAL, OF ANY CONTRACT OR PARTICIPANT'S ACCOUNT OR ANY TRANSACTION INVOLVING THE CONTRACTS.

***Tax Status of the Company and the Variable Account***

AUL is taxed as a life insurance company under Part I, Subchapter L of the Code. Because the Variable Account is not taxed as a separate entity and its operations form a part of AUL, AUL will be responsible for any federal income taxes that become payable with respect to the income of the Variable Account. However, each Investment Account will bear its allocable share of such liabilities. Under current law, no item of dividend income, interest income, or realized capital gain attributable, at a minimum, to appreciation of the Investment Accounts will be taxed to AUL to the extent it is applied to increase reserves under the contracts.

Each of the Funds in which the Variable Account invests has advised AUL that it intends to qualify as a "regulated investment company" under the Code. AUL does not guarantee that any Fund will so qualify. If the requirements of the Code are met, a Fund will not be taxed on amounts distributed on a timely basis to the Variable Account. If a Fund does not qualify, the tax status of the contracts as annuities might be lost, which could result in immediate taxation of amounts earned under the contracts (except those held in Employee Benefit Plans and 408 Programs).

Under regulations promulgated under Code Section 817(h), each Investment Account must meet certain diversification standards. Generally, compliance with these standards are determined by taking into account an Investment Account's share of

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assets of the appropriate underlying Fund. To meet this test, on the last day of each calendar quarter, no more than 55 percent of the total assets of a Fund may be represented by any one investment, no more than 70 percent may be represented by any two investments, no more than 80 percent may be represented by any three investments, and no more than 90 percent may be represented by any four investments. For the purposes of Section 817(h), securities of a single issuer generally are treated as one investment, but obligations of the U.S. Treasury and each U.S. Governmental agency or instrumentality generally are treated as securities of separate issuers.

***Tax Treatment of Retirement Programs***

The contracts described in this Prospectus are offered for use with several types of retirement programs as described in the contracts. The tax rules applicable to Participants in such retirement programs vary according to the type of retirement plan and its terms and conditions. Therefore, no attempt is made herein to provide more than general information about the use of the contracts with the various types of retirement programs. Participants under such programs, as well as Owners, Annuitants, Beneficiaries and other payees are cautioned that the rights of any person to any benefits under these programs may be subject to the terms and conditions of the Plans themselves, regardless of the terms and conditions of the contracts issued in connection therewith.

Generally, no taxes are imposed on the increases in the value of a contract by reason of investment experience or Employer Contributions until a distribution occurs, either as a lump-sum payment or Annuity payments under an elected Annuity Option or in the form of cash withdrawals, surrenders, or other distributions prior to the Annuity Commencement Date.

The amounts that may be contributed to the Plans are subject to limitations that may vary depending on the type of Plan. In addition, early distributions from some Plans may be subject to penalty taxes, or in the case of distributions of amounts contributed under salary reduction agreements, could cause the Plan to be disqualified. Furthermore, distributions from most Plans are subject to certain minimum distribution rules. Failure to comply with these rules could result in disqualification of the Plan or subject the Participant to penalty taxes. As a result, the minimum distribution rules could limit the availability of certain Annuity Options to Participants and their Beneficiaries.

Below are brief descriptions of various types of retirement programs and the use of the contracts in connection therewith.

***401 Employee Benefit Plans***

Code Section 401 permits business employers and certain associations to establish various types of retirement plans for employees. Such retirement plans may permit the purchase of contracts to provide benefits thereunder.

If a Participant under a 401 Employee Benefit Plan receives a lump-sum distribution, the portion of the distribution equal to any contribution that was taxable to the Participant in the year when paid is received tax-free. The balance of the distribution will be treated as ordinary income. Special ten-year averaging and a capital-gains election may be available to a Participant who reached age 50 before 1986.

Under an Employee Benefit Plan under Section 401 of the Code, when Annuity payments commence (as opposed to a lump-sum distribution), under Section 72 of the Code, the portion of each payment attributable to Contributions that were taxable to the Participant in the year made, if any, is excluded from gross income as a return of the Participant's investment. The portion so excluded is determined at the time the payments commence by dividing the Participant's investment in the contract by the expected return. The periodic payments in excess of this amount are taxable as ordinary income. Once the Participant's investment has been recovered, the full Annuity payment will be taxable. If the Annuity should stop by reason of the Annuitant's death before the entire investment has been received, the unrecovered portion is deductible on the Annuitant's final return. If the Participant made no Contributions that were taxable to the Participant in the year made, there would be no portion excludable.

***403(b) Plans***

Section 403(b) of the Code permits the purchase of "tax- deferred annuities" by public schools and organizations described in Section 501(c)(3) of the Code, including certain charitable, educational and scientific organizations. These qualifying employers may make contributions under the contracts for the benefit of their employees. Such contributions are not included in the gross income of the employee until the employee receives distributions from the contract. The amount of contributions to the tax-deferred Annuity is limited to certain maximums imposed by the Code. Furthermore, the Code sets forth additional restrictions governing such items as transferability, distributions, nondiscrimination and withdrawals.

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***408 and 408A Programs***

**1. *Individual Retirement Annuities***

Code Sections 219 and 408 permit eligible individuals to contribute to an individual retirement program, including a Simplified Employee Pension Plan, a Simple IRA Plan and a traditional Individual Retirement Annuity/Account ("IRA"). These IRA annuities are subject to limitations on the amount that may be contributed, the persons who may be eligible, and on the time when distributions must commence. In addition, certain distributions from some other types of retirement plans may be placed on a tax- deferred basis in an IRA. Sale of the contracts for use with IRAs may be subject to special requirements imposed by the IRS. Purchasers of the contracts for such purposes will be provided with such supplementary information as may be required by the IRS or other appropriate agency and will have the right to revoke the contract under certain circumstances.

If a Participant under a 408 Program makes a withdrawal from the Participant's Account, the Participant generally will realize income taxable at ordinary tax rates on the full amount received. Since, under a 408 Program, Contributions generally are deductible from the taxable income of the employee, the full amount received will usually be taxable as ordinary income when Annuity payments commence.

***2. Roth IRA***

A Roth IRA under Code Section 408A is available for retirement savings for individuals with earned income. The contract may be purchased as a Roth IRA. A Roth IRA allows an individual to contribute non-deductible Contributions for retirement purposes, with the earnings income tax-deferred, and the potential ability to withdraw the money income tax-free under certain circumstances. Roth IRAs are subject to limitations on the amount that may be contributed, the persons who may be eligible, and the time when distributions may commence. Roth IRAs may not be transferred, sold, assigned, discounted, or pledged as collateral for a loan or other obligation. The annual Premium for a Roth IRA may not exceed certain limits. In addition, a taxpayer may elect to convert an IRA to a Roth IRA, accelerating deferred income taxes on previous earnings in the IRA to a current year.

***409A and 457 Programs***

Section 457 of the Code permits employees of state and local governments and instrumentalities and agencies of state and local governments as well as tax-exempt organizations described in Section 501(c)(3) of the Code (excluding churches) to defer a portion of their compensation without paying current taxes in either a 457(b) eligible Plan or a 457(f) ineligible Plan. If the Employer sponsoring a 457(b) Program requests and receives a withdrawal for an eligible employee in connection with the Program, then the amount received by the employee will be taxed as ordinary income. Since, under a 457(b) Program, Contributions are excludable from the taxable income of the employee, the full amount received will be taxable as ordinary income when Annuity payments commence, or other distribution is made (governmental) or when paid or made available (non- governmental).

In a 457(f) Plan, Contributions to the Plan are includible in the employee's gross income for the first taxable year when these amounts are no longer subject to substantial risk of forfeiture (i.e., no longer conditioned upon future performance of substantial services).

The nonqualified deferred compensation Plan of any Employer who is not eligible to establish a 457 Plan — and any 457(f) Plan — are subject to Section 409A of the Code. A Section 409A Plan may allow an employee to defer a portion of his compensation without paying current taxes. Such deferrals are taxable in the first taxable year when they are no longer subject to a substantial risk of forfeiture.

***HSA, HRA, and OPEB Employee Benefit Plans***

A Health Savings Account (HSA) is a Plan sponsor-provided tax-exempt trust established pursuant to Internal Revenue Code Section 223 that is used exclusively to pay or reimburse incurred "qualified medical expenses" incurred by an employee for "medical care" as defined in Code Section 213(d). With an HSA, the employee can claim a tax deduction for Contributions he or she makes to the HSA, Employer Contributions to the HSA may be excluded from the employee's gross income, Contributions remain in the employee's account from year to year until used, interest or other earnings on the assets in the account are tax-free, distributions for qualified medical expenses are tax-free, and the HSA remains with the employee should he or she change employers or leave the work force.

A Health Reimbursement Arrangement (HRA) is a Plan sponsor-provided accident and health Plan that is used exclusively to reimburse expenses incurred by an employee for medical care as defined in Code Section 213(d). An HRA is funded solely by the Employer. Employees are reimbursed tax-free for qualified medical expenses up to a maximum dollar amount for a

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coverage period. Employer Contributions can be excluded from the employee's gross income, and any unused amounts in the HRA can be carried forward for reimbursement in later years.

A GASB ("Governmental Accounting Standards Board") 75 OPEB ("Other Post-Employment Benefit") Plan is a Plan sponsor-provided non-pension benefit Plan that is used to provide post-employment benefits for former employees typically through a Voluntary Employees Beneficiary Association (VEBA) or a Grantor Trust. These benefits generally include certain health care benefits. Employer Contributions and trust earnings are tax-exempt, and reimbursements of medical costs are excludible from the employee's gross income.

***Tax Penalty***

Any distribution made to a Participant from a 401 Employee Benefit Plan, 403(b) Program, or a 408 Program other than on account of one or more of the following events will be subject to a 10 percent penalty tax on the amount distributed:

(a) the Participant has attained age 59<sup>1</sup>/<sub>2</sub>

(b) the Participant has died; or

(c) the Participant is disabled.

In addition, a distribution from an Employee Benefit Plan will not be subject to a 10 percent penalty tax on the amount distributed to a Participant after separation from service after attainment of age 55. Distributions received at least annually as part of a series of substantially equal periodic payments made for the life of the Participant will not be subject to a penalty tax. Certain amounts paid for medical care also may not be subject to a penalty tax.

***Withholding***

Distributions from an Employee Benefit Plan under Code Section 401(a) or a 403(b) Program to an employee, surviving spouse, or former spouse who is an alternate payee under a qualified domestic relations order, in the form of a lump-sum settlement or periodic Annuity payments for a fixed period of fewer than ten (10) years, are subject to mandatory federal income tax withholding of 20 percent of the taxable amount of the distribution, unless the distributee directs the transfer of such amounts to another eligible retirement program. The taxable amount is the amount of the distribution, less the amount allocable to after-tax Contributions.

All other types of distributions from 401 Employee Benefit Plans and 403(b) Programs and all distributions from Individual Retirement Accounts, are subject to federal income tax withholding on the taxable amount unless the distributee elects not to have the withholding apply. The amount withheld is based on the type of distribution. Federal tax will be withheld from Annuity payments (other than those subject to mandatory 20 percent withholding) pursuant to the recipient's withholding certificate. If an adequate withholding certificate is not submitted to AUL, tax will generally be withheld on the basis that the payee is single, except in limited circumstances. Tax on all surrenders and lump- sum distributions from Individual Retirement Accounts will be withheld at a flat 10 percent rate.

Withholding on Annuity payments and other distributions from the contract will be made in accordance with regulations of the IRS.

**OTHER INFORMATION**

***Mixed and Shared Funding***

The Funds serve as the underlying investment medium for amounts invested in AUL's separate accounts funding both variable life insurance policies and variable annuity contracts (mixed funding), and as the investment medium for such policies and contracts issued by both AUL and other unaffiliated life insurance companies (shared funding). Shared funding also occurs when the Fund is used by both a life insurance company to fund its policies or contracts and a participating qualified plan to fund plan benefits. It is possible that there may be circumstances where it is disadvantageous for either: (i) the owners of variable life insurance policies and variable annuity contracts to invest in the Funds at the same time, or (ii) the owners of such policies and contracts issued by different life insurance companies to invest in the Fund at the same time, or (iii) participating qualified Plans to invest in shares of the Funds at the same time as one or more life insurance companies. Neither the Funds nor AUL currently foresees any disadvantage, but if the Funds determine that there is any such disadvantage due to a material conflict of interest between such policyowners and contract owners, or between different life insurance companies, or between participating qualified Plans and one or more life insurance companies, or for any other reason, a Fund's Board of Directors will notify the life insurance companies and participating qualified Plans of such conflict of interest or other applicable event. In that event, the life insurance companies or participating qualified Plans may be required to sell Fund shares with respect to certain groups of policy owners or contract owners, or certain participants in participating qualified Plans, in order to resolve

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any conflict. The life insurance companies and participating qualified Plans will bear the entire cost of resolving any material conflict of interest.

***Voting of Shares of the Funds***

AUL is the legal Owner of the shares of the Funds held by the Investment Accounts of the Variable Account. In accordance with its view of present applicable law, AUL will exercise voting rights attributable to the shares of the Funds held in the Investment Accounts at regular and special meetings of the shareholders of the Funds on only matters requiring shareholder voting under the 1940 Act.

AUL will exercise these voting rights based on instructions received from persons having the voting interest in corresponding Investment Accounts of the Variable Account and consistent with any requirements imposed on AUL under contracts with any of the Funds, or under applicable law. However, if the 1940 Act or any regulations thereunder should be amended, or if the present interpretation thereof should change, and as a result AUL determines that it is permitted to vote the shares of the Funds in its own right, it may elect to do so.

The person having the voting interest under a contract is the Owner or the Participant, depending on the type of contract. Generally, a Participant will have a voting interest under a contract to the extent of the Vested portion of his or her Account Value. AUL shall send to each Owner or Participant a Fund's proxy materials and forms of instruction by means of which instructions may be given to AUL on how to exercise voting rights attributable to the Funds' shares. In the case of a contract acquired in connection with an Employee Benefit Plan or an Employer Sponsored 403(b) Program, AUL may furnish the Owner with sufficient Fund proxy materials and voting instruction forms for all Participants under a contract with any voting interest.

Unless otherwise required by applicable law or under a contract with any of the Funds, with respect to each of the Funds, the number of Fund shares of a particular Fund as to which voting instructions may be given to AUL is determined by dividing Accumulation Units of the corresponding Investment Account attributable to a Contract or a Participant's Account by the total Accumulation Units of all Contracts or Participants' Accounts on a particular date times shares owned by AUL of that portfolio as of the same date. Fractional votes will be counted. The number of votes as to which voting instructions may be given will be determined as of the date coinciding with the date established by a Fund for determining shareholders eligible to vote at the meeting of the Fund. If required by the SEC or under a contract with any of the Funds, AUL reserves the right to determine in a different fashion the voting rights attributable to the shares of the Fund. Voting instructions may be cast in person or by proxy.

Voting rights attributable to the Contracts or Participant Accounts for which no timely voting instructions are received will be voted by AUL in the same proportion as the voting instructions which are received in a timely manner for all Contracts and Participant Accounts participating in that Investment Account. AUL will vote shares of any Investment Account, if any, that it owns beneficially in its own discretion, except that if a Fund offers its shares to any insurance company separate account that funds variable life insurance contracts or if otherwise required by applicable law, AUL will vote its own shares in the same proportion as the voting instructions that are received in a timely manner for Contracts and Participant Accounts participating in the Investment Account.

Neither the Variable Account nor AUL is under any duty to inquire as to the instructions received or the authority of Owners or others to instruct the voting of shares of any of the Funds.

***Substitution of Investments***

AUL reserves the right, subject to compliance with applicable law, to make additions to, deletions from, substitutions for, or combinations of, the securities that are held by any Investment Account or that any Investment Account may purchase. AUL also reserves the right, subject to compliance with applicable law, to eliminate shares of any of the eligible Funds or other entities and to substitute shares of, or interests in, another Fund or another investment vehicle, for shares already purchased or to be purchased in the future under the contract, if the shares of any or all eligible Funds or other entities are no longer available for investment or if further investment in any or all eligible Funds or other entities become inappropriate in view of the purposes of the contract.

Where required under applicable law, AUL will not substitute any shares attributable to an Owner's interest in an Investment Account without notice, Owner or Participant approval, or prior approval of the Securities and Exchange Commission or a state insurance commissioner, and without following the filing or other procedures established by applicable state insurance regulators.

Nothing contained herein will prevent the Variable Account from purchasing other securities for other series or classes of contracts, or from effecting a conversion between series or classes of contracts on the basis of requests made by a majority of Contract Owners or as permitted by federal law.

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AUL additionally reserves the right to establish additional Investment Accounts, each of which would invest in a corresponding Fund or other entity, or in other securities or investment vehicles. AUL may also eliminate or combine existing Investment Accounts if marketing, tax, or investment conditions warrant, subject to compliance with applicable law, and may provide other investment options at any time. Subject to any required regulatory approvals, AUL reserves the right to transfer assets from any Investment Account to another separate account of AUL or Investment Account.

In the event of any such substitution or change, AUL may, by appropriate amendment, make such changes in this and other contracts as may be necessary or appropriate to reflect such substitution or change. Any transfer request or investment option election received on or after the effective date of such substitution or change that reflects the previous investment option that has been substituted or changed will be transacted using the new substituted or changed investment option. If deemed by AUL to be in the best interests of persons or entities having voting rights under the contracts, the Variable Account may be operated as a management investment company under the Act, or it may be combined with other separate accounts of AUL or an affiliate thereof. Subject to compliance with applicable law, AUL also may combine one or more Investment Accounts and may establish a committee, board, or other group to manage one or more aspects of the Investment Accounts.

***Redemption Fees***

Some Funds may charge a redemption fee for short-term trading in their Fund. We will assess any applicable fee against the Account Value and forward the fee on to the Fund. Please consult the Fund prospectus to determine whether redemption fees apply to the Fund and for details regarding the fee.

***Changes to Comply with Law and Amendments***

We reserve the right, without the consent of Owners or Participants, to make any change to the provisions of the contracts to comply with, or to give Owners or Participants the benefit of, any federal or state statute, rule, or regulation, including, but not limited to, requirements for Annuity contracts and retirement plans under the Internal Revenue Code and regulations thereunder or any state statute or regulation.

We reserve the right to make certain changes in the contracts. Depending on the contract, we have the right at any time to change the Guaranteed Rate of interest defined in the contract credited to amounts allocated to the FIA for any Participant Accounts established on or after the effective date of the change, although once a Participant's Account is established, the Guaranteed Rate may not be changed for the duration of the Account.

Depending on the contract, after the fifth (5th) anniversary of a contract, we have the right to change any Annuity tables included in the contract, but any such change shall apply only to Participant Accounts established on or after the effective date of such a change. We have also the right to change the withdrawal charge and, within the limits described under "Guarantee of Certain Charges," the administrative charge.

***Reservation of Rights***

We reserve the right to refuse to accept new Contributions under a contract and to refuse to accept new Participants under a contract.

***Periodic Reports***

We will send quarterly statements showing the number, type, and value of Accumulation Units credited to the contract or to the Participant's Account, as the case may be. We will also send statements reflecting transactions in a Participant's Account as required by applicable law. In addition, every person having voting rights will receive such reports or Prospectuses concerning the Variable Account and the Funds as may be required by the 1940 Act and the 1933 Act.

***Payments to Agents, Intermediaries and Other Financial Professionals***

American United Life Insurance Company, Inc. or its related companies may pay agents, intermediaries and other financial professionals for the sale of the AUL American Unit Trust and related services. These payments may create a conflict of interest by influencing the agent, intermediary or other financial professional, and/or your salesperson to recommend the AUL American Unit Trust over another product or service. Ask your salesperson for more information.

***Legal Proceedings***

There are no legal proceedings pending to which the Variable Account is a party, or which would materially affect the Variable Account.

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***Legal Matters***

Legal matters in connection with the issue and sale of the contracts described in this Prospectus and the organization of AUL, its authority to issue the contracts under Indiana law, and the validity of the forms of the contracts under Indiana law have been passed upon by Stephen L. Due, Deputy General Counsel of AUL.

Legal matters relating to the federal securities and federal income tax laws have been passed upon by Dechert LLP.

***Financial Statements***

Financial statements of AUL as of December 31, 2025 are included in the Statement of Additional Information.

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*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

**APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT**

The following is a list of Funds available under the contract. The availability of Funds vary by Employee Benefit Plan. Please refer to your Plan Documents for a list of Funds available to you. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.oneamerica.com/prospectuses. You can request this information at no cost by calling 1-877-285-3863 or by sending an email to investments.rs@oneamerica.com.

The current expenses and performance information below reflects fees and expenses of the Funds, 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 charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
|<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GKC | Mid Cap Growth | **AB Discovery Growth Z: Class Inst**<br> Investment Adviser: AllianceBernstein L.P. | 0.67 | 6.87 | 1.28 | 11.06 |
| 06-GKF | Small Cap Value | **AB Discovery Value Z: Class Inst**<br> Investment Adviser: AllianceBernstein L.P. | 0.81 | 2.78 | 8.54 | 8.43 |
| 06-3GC | World Bond | **AB Global Bond Z: Class Inst**<br> Investment Adviser: AllianceBernstein L.P. | 0.51<br> \* | 5.10 | 0.21 | 2.28 |
| 06-4PJ | Balanced | **AB Global Risk Allocation I: Class Inst**<br> Investment Adviser: AllianceBernstein L.P. | 1.17<br> \* | 13.86 | 5.78 | 6.56 |
| 06-3FY | Large Cap Growth | **AB Large Cap Growth Z: Class Inst**<br> Investment Adviser: AllianceBernstein L.P. | 0.50 | 13.28 | 12.04 | 16.06 |
| 06-GKG | Small Cap Growth | **AB Small Cap Growth Z: Class Inst**<br> Investment Adviser: AllianceBernstein L.P. | 0.78 | 5.09 | -0.17 | 11.57 |
| 06-3GX | Large Cap Growth | **Alger Capital Appreciation Instl Y: Class Inst**<br> Investment Adviser: Fred Alger Management, LLC | 0.86<br> \* | 32.49 | 16.48 |  |
| 06-CPH | Large Cap Growth | **Alger Capital Appreciation Z: Class Inst\*\*\***<br> Investment Adviser: Fred Alger Management, LLC | 0.95 | 31.62 | 16.27 | 18.17 |
| 06-6RH | Large Cap Growth | **Alger Focus Equity Y: Class Inst**<br> Investment Adviser: Fred Alger Management, LLC | 0.58<br> \* | 40.42 | 19.01 |  |
| 06-3GY | Small Cap Growth | **Alger Small Cap Focus Y: Class Inst**<br> Investment Adviser: Fred Alger Management, LLC | 0.86<br> \* | 7.41 | -6.16 |  |
| 06-3MP | Small Cap Growth | **Alger Small Cap Focus Z: Class Inst**<br> Investment Adviser: Fred Alger Management, LLC | 0.89 | 7.32 | -6.18 | 8.38 |

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\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

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*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4YK | Intermediate Term Bond | **Allspring Core Plus Bond R6: Class Retirement**<br> Investment Adviser: Allspring Funds Management, LLC<br>Investment Subadviser: Allspring Global Investments (UK) Limited;<br>Allspring Global Investments, LLC; | 0.30<br> \* | 7.41 | 0.34 |  |
| 06-3J7 | Foreign Value | **Allspring International Equity R6: Class Retirement**<br> Investment Adviser: Allspring Funds Management, LLC<br>Investment Subadviser: Allspring Global Investments, LLC | 0.80<br> \* | 31.28 | 7.52 | 6.52 |
| 06-3J6 | Mid Cap Value | **Allspring Special Mid Cap Value R6: Class Retirement**<br> Investment Adviser: Allspring Funds Management, LLC<br>Investment Subadviser: Allspring Global Investments, LLC | 0.70 | 6.23 | 9.93 | 10.24 |
| 06-3JF | Small Cap Value | **Allspring Special Small Cap Value R6: Class Retirement**<br> Investment Adviser: Allspring Funds Management, LLC<br>Investment Subadviser: Allspring Global Investments, LLC | 0.82 | -2.70 | 6.59 | 8.44 |
| 06-74T | Diversified Emerging Markets | **Amana Developing World Institutional: Class Inst**<br> Investment Adviser: Saturna Capital Corporation | 0.98 | 20.24 | 5.35 | 6.91 |
| 06-74R | Large Cap Growth | **Amana Growth Institutional: Class Inst**<br> Investment Adviser: Saturna Capital Corporation | 0.61 | 17.89 | 12.91 | 16.66 |
| 06-74P | Large Cap Blend | **Amana Income Institutional: Class Inst**<br> Investment Adviser: Saturna Capital Corporation | 0.76 | 16.65 | 11.04 | 11.88 |
| 06-74V | World Bond | **Amana Participation Institutional: Class Inst**<br> Investment Adviser: Saturna Capital Corporation | 0.59 | 6.32 | 1.71 | 2.63 |
| 06-7CC | Large Cap Value | **American Beacon Large Cap Value R6: Class Retirement**<br> Investment Adviser: American Beacon Advisors Inc<br>Investment Subadviser: Barrow Hanley Mewhinney & Strauss LLC;<br>Hotchkis and Wiley Capital Mgmt LLC;<br>Massachusetts Financial Services Company; | 0.62 | 14.53 | 12.68 |  |
| 06-6RJ | Foreign Growth | **American Funds International Vntg R-6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.54<br> \* | 28.29 | 6.63 |  |
| 06-33Y | Foreign Value | **American Beacon International Eq R6: Class Retirement**<br> Investment Adviser: American Beacon Advisors Inc<br>Investment Subadviser: Lazard Asset Management LLC;American <br>Century Investment Management Inc;Causeway Capital Management LLC; | 0.70<br> \* | 37.13 | 10.93 |  |

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\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

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*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-46F | Large Cap Value | **American Beacon Large Cap Value R5: Class Retirement**<br> Investment Adviser: American Beacon Advisors Inc<br>Investment Subadviser: Barrow Hanley Mewhinney & Strauss LLC;<br>Hotchkis and Wiley Capital Mgmt LLC;<br>Massachusetts Financial Services Company; | 0.66 | 14.53 | 12.65 | 11.25 |
| 06-6J6 | Small Cap Value | **American Beacon Shapiro SMID Cap Eq R5: Class Retirement**<br> Investment Adviser: American Beacon Advisors Inc | 0.90<br> \* | -2.76 | 4.04 |  |
| 06-34C | Small Cap Value | **American Beacon Small Cap Value R6: Class Retirement**<br> Investment Adviser: American Beacon Advisors Inc<br>Investment Subadviser: Westwood Management Corp;Barrow Hanley <br>Mewhinney & Strauss LLC;Brandywine Global Investment Mgmt, LLC;<br>DePrince Race & Zollo Inc;Hotchkis and Wiley Capital Mgmt LLC; | 0.77 | 4.83 | 9.24 |  |
| 06-6TN | Specialty | **American Beacon SSI Alternative Inc R5: Class Retirement**<br> Investment Adviser: American Beacon Advisors Inc<br>Investment Subadviser: SSI Investment Management LLC | 1.35<br> \* | 7.40 | 4.62 |  |
| 06-69V | Mid Cap Growth | **American Beacon Stephens Mid-Cap Gr R6: Class Retirement**<br> Investment Adviser: American Beacon Advisors Inc<br>Investment Subadviser: Stephens Inv Mgmt Group LLC | 0.89 | 12.89 | 5.40 |  |
| 06-CPK | Diversified Emerging Markets | **American Century Emerging Markets R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.92 | 35.82 | 1.79 | 7.95 |
| 06-CPM | Large Cap Value | **American Century Equity Income R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.59 | 12.26 | 8.12 | 9.34 |
| 06-CPN | Large Cap Growth | **American Century Growth R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.49<br> \* | 15.61 | 13.14 | 16.49 |
| 06-CPP | Mid Cap Growth | **American Century Heritage R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.65 | 7.00 | 5.47 | 11.82 |
| 06-3KW | Inflation-Protec Bond | **American Century Inflation-Adjs Bond R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.29 | 6.96 | 1.10 |  |
| 06-CRJ | Mid Cap Value | **American Century Mid Cap Value R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.62 | 9.34 | 9.15 | 9.43 |
| 06-CPV | Mgd Asset Allocation | **American Century One Choice 2030 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.45<br> \* | 11.97 | 5.21 | 7.16 |
| 06-CPW | Mgd Asset Allocation | **American Century One Choice 2035 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.48<br> \* | 12.57 | 5.54 | 7.64 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CPX | Mgd Asset Allocation | **American Century One Choice 2040 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.50<br> \* | 13.49 | 5.96 | 8.19 |
| 06-CPY | Mgd Asset Allocation | **American Century One Choice 2045 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.52<br> \* | 14.47 | 6.42 | 8.77 |
| 06-CRC | Mgd Asset Allocation | **American Century One Choice 2050 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.53<br> \* | 15.15 | 6.96 | 9.33 |
| 06-CRF | Mgd Asset Allocation | **American Century One Choice 2055 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.54<br> \* | 15.79 | 7.40 | 9.66 |
| 06-CRG | Mgd Asset Allocation | **American Century One Choice 2060 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.54<br> \* | 16.16 | 7.64 | 9.85 |
| 06-63X | Mgd Asset Allocation | **American Century One Choice 2065 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.54<br> \* | 16.46 | 7.82 |  |
| 06-CRH | Mgd Asset Allocation | **American Century One Choice In Ret R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.41<br> \* | 11.33 | 4.94 | 6.38 |
| 06-66X | Mgd Asset Allocation | **American Century One Chc Blnd+ 2025 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.24<br> \* | 13.37 |  |  |
| 06-66Y | Mgd Asset Allocation | **American Century One Chc Blnd+ 2030 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.24<br> \* | 14.36 |  |  |
| 06-67C | Mgd Asset Allocation | **American Century One Chc Blnd+ 2035 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.24 | 15.77 |  |  |
| 06-67F | Mgd Asset Allocation | **American Century One Chc Blnd+ 2040 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.24 | 17.22 |  |  |
| 06-67G | Mgd Asset Allocation | **American Century One Chc Blnd+ 2045 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.24 | 18.41 |  |  |
| 06-67H | Mgd Asset Allocation | **American Century One Chc Blnd+ 2050 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.24 | 19.63 |  |  |
| 06-67J | Mgd Asset Allocation | **American Century One Chc Blnd+ 2055 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.24 | 20.51 |  |  |
| 06-67K | Mgd Asset Allocation | **American Century One Chc Blnd+ 2060 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.24 | 20.63 |  |  |
| 06-67M | Mgd Asset Allocation | **American Century One Chc Blnd+ 2065 R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.24 | 20.47 |  |  |
| 06-66W | Mgd Asset Allocation | **American Century One ChcBlnd+InRet R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.24<br> \* | 12.03 |  |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CRK | Specialty | **American Century Real Estate R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.80 | 1.17 | 5.45 | 5.32 |
| 06-6C7 | Small Cap Growth | **American Century Small Cap Growth R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.79 | 9.40 | 3.31 | 12.60 |
| 06-CRM | Small Cap Value | **American Century Small Cap Value R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.73 | -2.98 | 7.41 | 9.33 |
| 06-CRN | Balanced | **American Century Strat Allc: Agrsv R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.44<br> \* | 16.27 | 8.36 | 10.09 |
| 06-CRP | Balanced | **American Century Strat Allc: Cnsrv R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.48<br> \* | 11.01 | 5.00 | 6.61 |
| 06-CRR | Balanced | **American Century Strat Allc: Mod R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.48<br> \* | 14.07 | 6.73 | 8.52 |
| 06-CRT | Large Cap Growth | **American Century Ultra<sup>®</sup> R6: Class Retirement**<br> Investment Adviser: American Century Investment Management Inc | 0.52<br> \* | 13.01 | 12.10 | 17.54 |
| 06-CRV | Mgd Asset Allocation | **American Funds 2010 Trgt Date Ret Inc R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.28 | 13.14 | 5.72 | 6.63 |
| 06-CRW | Mgd Asset Allocation | **American Funds 2015 Trgt Date Ret Inc R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.30 | 13.42 | 5.94 | 6.97 |
| 06-CRX | Mgd Asset Allocation | **American Funds 2020 Trgt Date Ret Inc R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.30 | 14.26 | 6.24 | 7.40 |
| 06-CRY | Mgd Asset Allocation | **American Funds 2025 Trgt Date Ret Inc R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.31 | 14.52 | 6.39 | 8.12 |
| 06-CTC | Mgd Asset Allocation | **American Funds 2030 Trgt Date Retire R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.33 | 15.72 | 7.28 | 9.16 |
| 06-CTF | Mgd Asset Allocation | **American Funds 2035 Trgt Date Retire R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.34 | 17.17 | 8.36 | 10.38 |
| 06-CTG | Mgd Asset Allocation | **American Funds 2040 Trgt Date Retire R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.36 | 19.50 | 9.54 | 11.25 |
| 06-CTH | Mgd Asset Allocation | **American Funds 2045 Trgt Date Retire R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.37 | 20.42 | 9.82 | 11.51 |
| 06-CTJ | Mgd Asset Allocation | **American Funds 2050 Trgt Date Retire R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.37 | 20.43 | 9.82 | 11.58 |
| 06-CTK | Mgd Asset Allocation | **American Funds 2055 Trgt Date Retire R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.38 | 20.74 | 9.85 | 11.59 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CTM | Mgd Asset Allocation | **American Funds 2060 Trgt Date Retire R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.39 | 20.77 | 9.84 | 11.58 |
| 06-4R4 | Mgd Asset Allocation | **American Funds 2065 Trgt Date Retire R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.39 | 20.73 | 9.85 |  |
| 06-6Y9 | Mgd Asset Allocation | **American Funds 2070 Trgt Date Retire R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.39 | 20.81 |  |  |
| 06-CTN | Large Cap Growth | **American Funds AMCAP R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.33 | 18.14 | 10.84 | 13.02 |
| 06-CTP | Balanced | **American Funds American Balanced R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.25 | 18.85 | 9.92 | 10.14 |
| 06-3MC | High Yield Bond | **American Funds American High-Inc R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.36 | 8.65 | 5.88 | 7.04 |
| 06-3M3 | Large Cap Value | **American Funds American Mutual R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.27 | 16.47 | 12.10 | 11.67 |
| 06-39V | Intermediate Term Bond | **American Funds Bond Fund of Amer R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.24<br> \* | 7.52 | -0.02 | 2.57 |
| 06-3M6 | World Allocation | **American Funds Capital Income Bldr R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.26 | 20.74 | 9.44 | 8.17 |
| 06-GFN | World Bond | **American Funds Capital World Bond R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.48 | 9.32 | -2.25 | 1.54 |
| 06-CTR | World Stock | **American Funds Capital World Gr&Inc R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.41 | 25.15 | 10.62 | 11.24 |
| 06-CTT | Foreign Growth | **American Funds EUPAC R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.47 | 29.18 | 4.59 | 8.46 |
| 06-CTV | Large Cap Blend | **American Funds Fundamental Invs R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.28 | 24.66 | 14.82 | 14.44 |
| 06-3M9 | World Allocation | **American Funds Global Balanced R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.47 | 17.48 | 6.18 | 7.31 |
| 06-CVC | Large Cap Growth | **American Funds Growth Fund of Amer R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.29 | 20.28 | 12.16 | 15.51 |
| 06-3M7 | Balanced | **American Funds Income Fund of Amer R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.26 | 18.11 | 9.39 | 8.97 |
| 06-3G9 | Inflation-Protec Bond | **American Funds Inflation Linked Bd R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.29 | 7.20 | 0.51 | 3.08 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GKH | Short Term Bond | **American Funds Interm Bd Fd of Amer R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.25<br> \* | 7.16 | 1.39 | 2.35 |
| 06-3M4 | Foreign Blend | **American Funds Intl Gr and Inc R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.53 | 35.53 | 8.73 | 8.86 |
| 06-3GH | Large Cap Blend | **American Funds Invmt Co of Amer R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.27 | 20.86 | 15.72 | 14.43 |
| 06-3KY | World Stock | **American Funds New Economy R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.40 | 31.51 | 10.87 | 14.22 |
| 06-CTW | World Stock | **American Funds New Perspective R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.40 | 21.62 | 9.37 | 13.05 |
| 06-CTX | Diversified Emerging Markets | **American Funds New World R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.57 | 28.60 | 5.62 | 9.92 |
| 06-CTY | World Stock | **American Funds SMALLCAP World R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.65 | 14.44 | 1.78 | 9.25 |
| 06-3TK | Int Government Bond | **American Funds US Government Sec R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.25<br> \* | 7.96 | 0.01 | 1.90 |
| 06-CVF | Large Cap Value | **American Funds Washington Mutual R6: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.26 | 17.52 | 14.31 | 13.49 |
| 06-6C4 | Mid Cap Growth | **AMG TimesSquare Mid Cap Growth Z: Class Inst**<br> Investment Adviser: AMG Funds LLC<br>Investment Subadviser: TimesSquare Capital Management, LLC | 0.87 | 9.01 | 6.41 | 12.16 |
| 06-4JY | Large Cap Value | **Auxier Focus Institutional: Class Inst**<br> Investment Adviser: Auxier Asset Management LLC | 0.80<br> \* | 15.34 | 10.18 | 9.69 |
| 06-6W6 | Diversified Emerging Markets | **Avantis<sup>®</sup> Emerging Markets Equity Instl: Class Inst**<br> Investment Adviser: American Century Investment Management Inc | 0.33 | 32.09 | 7.12 |  |
| 06-6Y3 | Small Cap Value | **Avantis<sup>®</sup> U.S. Small Cap Value Instl: Class Inst**<br> Investment Adviser: American Century Investment Management Inc | 0.25 | 8.88 | 14.26 |  |
| 06-4TP | Intermediate Term Bond | **Baird Aggregate Bond Inst: Class Inst**<br> Investment Adviser: Robert W. Baird & Co. Incorporated | 0.30 | 7.36 | -0.13 | 2.43 |
| 06-4RC | Intermediate Term Bond | **Baird Core Plus Bond Inst: Class Inst**<br> Investment Adviser: Robert W. Baird & Co. Incorporated | 0.30 | 7.47 | 0.32 | 2.87 |
| 06-6N3 | Intermediate Term Bond | **Baird Intermediate Bond Inst: Class Inst**<br> Investment Adviser: Robert W. Baird & Co. Incorporated | 0.30 | 7.01 | 1.07 | 2.57 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4XC | Short Term Bond | **Baird Short-Term Bond Inst: Class Inst\*\***<br> Investment Adviser: Robert W. Baird & Co. Incorporated | 0.30 | 5.67 | 2.38 | 2.60 |
| 06-6RR | Short Term Bond | **Baird Ultra Short Bond Institutional: Class Inst\*\***<br> Investment Adviser: Robert W. Baird & Co. Incorporated | 0.15<br> \* | 4.81 | 3.44 | 2.67 |
| 06-47Y | Mid Cap Growth | **Baron Asset R6: Class Retirement**<br> Investment Adviser: BAMCO Inc | 1.05 | 8.21 | 3.55 |  |
| 06-3J9 | Diversified Emerging Markets | **Baron Emerging Markets R6: Class Retirement**<br> Investment Adviser: BAMCO Inc | 1.11 | 30.12 | 1.16 |  |
| 06-6YW | Mid Cap Growth | **Baron Growth R6: Class Retirement**<br> Investment Adviser: BAMCO Inc | 1.13 | -14.18 | -0.69 |  |
| 06-4YM | Small Cap Blend | **BlackRock Advantage Small Cap Core K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC | 0.45<br> \* | 13.70 | 6.42 |  |
| 06-46J | Small Cap Growth | **BlackRock Advantage Small Cap Gr K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC | 0.46<br> \* | 15.29 | 3.99 |  |
| 06-FRW | Large Cap Value | **BlackRock Equity Dividend K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC | 0.59 | 21.84 | 11.84 |  |
| 06-FRX | World Allocation | **BlackRock Global Allocation K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.77<br> \* | 19.76 | 5.84 |  |
| 06-CVH | World Stock | **BlackRock Global Dividend K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited | 0.71 | 19.41 | 9.26 |  |
| 06-CVJ | Specialty | **BlackRock Health Sciences Opps K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC | 0.75 | 16.38 | 5.95 |  |
| 06-33K | High Yield Bond | **BlackRock High Yield K: Class Other**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited | 0.48 | 9.44 | 5.13 | 6.56 |
| 06-3N3 | Inflation-Protec Bond | **BlackRock Inflation Protected Bond K: Class Other**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 1.04<br> \* | 7.05 | 1.17 | 3.09 |
| 06-CVN | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Index 2030 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09<br> \* | 14.19 | 5.89 | 7.95 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CVP | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Index 2035 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09<br> \* | 16.09 | 7.23 | 9.01 |
| 06-CVR | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Index 2040 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09<br> \* | 17.66 | 8.48 | 9.95 |
| 06-CVT | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Index 2045 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09<br> \* | 19.10 | 9.60 | 10.75 |
| 06-CVV | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Index 2050 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09<br> \* | 20.72 | 10.44 | 11.27 |
| 06-CVW | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Index 2055 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09<br> \* | 21.59 | 10.79 | 11.45 |
| 06-CVX | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Index 2060 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09<br> \* | 21.71 | 10.81 |  |
| 06-4H3 | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Index 2065 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09<br> \* | 21.72 | 10.83 |  |
| 06-79W | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Index 2070 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09<br> \* | 22.48 |  |  |
| 06-CVY | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Index Retire K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09<br> \* | 12.48 | 4.02 | 6.00 |
| 06-GHH | Mid Cap Growth | **BlackRock Mid-Cap Growth Equity K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC | 0.71 | 0.49 | 0.85 |  |
| 06-6NR | Mid Cap Value | **BlackRock Mid-Cap Value K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC | 0.70<br> \* | 13.79 | 11.24 |  |
| 06-FTF | Balanced | **BlackRock Multi-Asset Income Portfolio K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock Asset Management North Asia Ltd;<br>BlackRock International Limited;BlackRock (Singapore) Ltd; | 0.52<br> \* | 11.86 | 4.85 |  |
| 06-4PX | World Bond | **BlackRock Strategic Global Bond K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Ltd;<br>BlackRock (Singapore) Ltd; | 0.49<br> \* | 8.53 | -0.32 | 2.67 |
| 06-FTH | Intermediate Term Bond | **BlackRock Strategic Income Opps K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.62 | 8.69 | 3.26 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-6CG | Specialty | **BlackRock Systematic Multi-Strat K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock Asset Management North Asia Ltd;<br>BlackRock International Limited; | 0.82 | 5.12 | 4.33 |  |
| 06-CWC | Intermediate Term Bond | **BlackRock Total Return K: Class Other**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.37 | 8.19 | -0.08 | 2.49 |
| 06-6KH | Specialty | **Blackstone Alternative Multi-Strategy Y: Class Inst**<br> Investment Adviser: Blackstone Alternative Investment Advisors LLC<br>Investment Subadviser: Nephila Capital Ltd;Oak Hill Advisors, L.P.;<br>Blackstone Real Estate Special Situations Advisors LLC;D.E. Shaw <br>Investment Management LLC;FORT LP;Mariner Investment Group, LLC;<br>Harvest Fund Advisors LLC;Two Sigma Advisers, LLC;Caspian Capital LP;<br>Bayview Asset Management, LLC;Blackstone Liquid Credit Strategies LLC;<br>Callodine Capital Management, LP;Bayforest Capital Limited;TrailStone <br>Commodity Trading US, LLC;Seiga Asset Management Limited;Mesarete <br>Capital LLP;SEVEN GRAND MANAGERS, LLC;North Reef Capital <br>Management LP;Merritt Point Partners LLC;Varick Capital Partners LP;<br>Maren Capital LLC;OT Research;Catalio Capital Management, LP; | 3.75 | 10.47 | 5.26 | 3.89 |
| 06-47M | Intermediate Term Bond | **BNY Mellon Bond Market Index I: Class Inst**<br> Investment Adviser: BNY Mellon Investment Adviser, Inc | 0.15<br> \* | 7.04 | -0.57 | 1.82 |
| 06-39Y | Specialty | **BNY Mellon Natural Resources Y: Class Inst**<br> Investment Adviser: BNY Mellon Investment Adviser, Inc<br>Investment Subadviser: Newton Investment Management <br>North America, LLC | 0.80 | 15.12 | 17.23 | 12.80 |
| 06-74N | Small Cap Blend | **BNY Mellon Small Cap Stock Index I: Class Inst**<br> Investment Adviser: BNY Mellon Investment Adviser, Inc | 0.26 | 5.75 | 7.06 |  |
| 06-3WY | Large Cap Blend | **BNY Mellon Sust US Equity Y: Class Inst**<br> Investment Adviser: BNY Mellon Investment Adviser, Inc<br>Investment Subadviser: Newton Investment Management Ltd | 0.70<br> \* | 15.85 | 11.88 |  |
| 06-6KT | Mid Cap Blend | **Boston Trust SMID Cap: Class Other**<br> Investment Adviser: Boston Trust Walden Inc. | 0.75<br> \* | 0.73 | 7.58 | 10.25 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4PC | High Yield Bond | **BrandywineGLOBAL Corporate Credit IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: Brandywine Global Investment Mgmt, LLC | 0.49<br> \* | 5.59 | 4.60 | 6.66 |
| 06-66T | Large Cap Value | **BrandywineGLOBAL Div US Large Value IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: Brandywine Global Investment Mgmt, LLC | 0.71<br> \* | 17.33 | 13.90 | 11.52 |
| #N/A | #N/A | **BrandywineGLOBAL Global Opp Bond IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: Brandywine Global Investment Mgmt, LLC | #N/A | 13.60 | -2.45 | 2.05 |
| 06-66R | Specialty | **Calamos Market Neutral Income R6: Class Retirement**<br> Investment Adviser: Calamos Advisors LLC | 0.89 | 7.23 | 4.85 | 0.00 |
| 06-4FJ | Balanced | **Calvert Balanced R6: Class Retirement**<br> Investment Adviser: Calvert Research and Management | 0.60 | 11.65 | 8.65 |  |
| 06-4FN | Small Cap Blend | **Calvert Small-Cap R6: Class Retirement**<br> Investment Adviser: Calvert Research and Management | 0.86 | -6.09 | 3.57 |  |
| 06-3FX | Large Cap Blend | **Calvert US Large Cap Core Rspnb Idx R6: Class Retirement**<br> Investment Adviser: Calvert Research and Management | 0.19<br> \* | 15.94 | 12.55 |  |
| 06-6NJ | Mid Cap Growth | **Carillon Eagle Mid Cap Growth R6: Class Retirement**<br> Investment Adviser: Carillon Tower Advisers, Inc.<br>Investment Subadviser: Eagle Asset Management, Inc. | 0.66 | 4.92 | 3.50 | 11.45 |
| 06-6PX | Intermediate Term Bond | **Catholic Responsible Investments Bd Ins: Class Inst**<br> Investment Adviser: Christian Brothers Inv Srvc Inc<br>Investment Subadviser: Loomis, Sayles & Company LP;<br>Brandywine Global Investment Mgmt, LLC;Mercer Investments LLC;<br>Sun Life Capital Management (U.S) LLC;Teachers Advisors, LLC; | 0.35 | 6.88 |  |  |
| 06-6R6 | Large Cap Blend | **Catholic Rsp Invst Mlt-Styl US Eq Ins: Class Inst**<br> Investment Adviser: Christian Brothers Inv Srvc Inc<br>Investment Subadviser: Mar Vista Investment Partners, LLC;T. Rowe Price <br>Associates, Inc.;Mercer Investments LLC;Boston Partners Global <br>Investors, Inc;William Blair Investment Management, LLC; | 0.65 | 15.36 |  |  |
| 06-6R7 | Large Cap Blend | **Catholic Rspnsbl Invst Equity Idx Ins: Class Inst**<br> Investment Adviser: Christian Brothers Inv Srvc Inc<br>Investment Subadviser: Rhumbline Advisers;Mercer Investments LLC; | 0.09<br> \* | 16.81 |  |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-6PY | Foreign Small/Mid Eqty | **Catholic Rspnsbl Invst Intl Sm-Cp Ins: Class Inst**<br> Investment Adviser: Christian Brothers Inv Srvc Inc<br>Investment Subadviser: Lazard Asset Management LLC;Parametric <br>Portfolio Associates LLC;Mercer Investments LLC;Allspring Global <br>Investments, LLC; | 1.15<br> \* | 27.06 |  |  |
| 06-6R3 | Foreign Blend | **Catholic Rspnsbl Invstmnts Intl Eq Inv: Class Inv**<br> Investment Adviser: Christian Brothers Inv Srvc Inc<br>Investment Subadviser: Causeway Capital Management LLC;<br>Principal Global Investors LLC;WCM Investment Management;<br>Mercer Investments LLC; | 0.95 | 26.11 |  |  |
| 06-6R4 | Small Cap Blend | **Catholic Rspnsbl Invstmnts Small-Cap Ins: Class Inst**<br> Investment Adviser: Christian Brothers Inv Srvc Inc<br>Investment Subadviser: Rhumbline Advisers;Mercer Investments LLC; | 0.28 | 5.86 |  |  |
| 06-3G6 | Large Cap Blend | **ClearBridge Appreciation IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 0.56 | 14.70 | 12.94 | 13.51 |
| 06-3XJ | Foreign Growth | **ClearBridge International Growth IS: Class Inst**<br> Investment Adviser: ClearBridge Investments, LLC | 0.70 | 23.19 | 4.48 |  |
| 06-GJT | Foreign Value | **ClearBridge International Value IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 0.84<br> \* | 38.94 | 11.21 | 6.97 |
| 06-GJW | Large Cap Growth | **ClearBridge Large Cap Growth IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 0.64 | 8.90 | 10.72 | 14.56 |
| 06-47N | Mid Cap Blend | **ClearBridge Mid Cap I: Class Inst\*\*\***<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 0.85<br> \* | 4.52 | 4.84 | 7.77 |
| 06-6TR | Mid Cap Blend | **ClearBridge Mid Cap IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 0.75<br> \* | 4.61 | 4.94 | 7.87 |
| 06-6NT | Mid Cap Growth | **ClearBridge Select IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 0.98 | 7.26 | 5.48 | 16.08 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-64M | Small Cap Growth | **ClearBridge Small Cap Growth IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 0.78 | 9.69 | 0.08 | 9.75 |
| 06-3XF | Large Cap Blend | **ClearBridge Sustainability Leaders IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 0.75<br> \* | 10.47 | 7.81 | 13.11 |
| 06-6PK | World Stock | **Cohen & Steers Preferred Sec & Inc Z: Class Inst**<br> Investment Adviser: Cohen & Steers Capital Management, Inc. | 0.80 | 8.50 | 2.96 | 4.94 |
| 06-3KT | Specialty | **Cohen & Steers Real Estate Securities Z: Class Inst**<br> Investment Adviser: Cohen & Steers Capital Management, Inc. | 0.75 | 4.41 | 5.78 | 6.74 |
| 06-3KV | Specialty | **Cohen & Steers Realty Shares L: Class Other**<br> Investment Adviser: Cohen & Steers Capital Management, Inc. | 0.88<br> \* | 2.82 | 5.72 | 6.33 |
| 06-CWF | Foreign Small/Mid Eqty | **Columbia Acorn International Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.84<br> \* | 12.46 | -0.76 | 4.62 |
| 06-66M | Balanced | **Columbia Capital Alloc Mod Agrsv Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.65 | 17.29 | 7.79 | 8.97 |
| 06-66P | Balanced | **Columbia Capital Allocation Agrsv Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.71 | 19.32 | 9.51 | 10.32 |
| 06-66J | Balanced | **Columbia Capital Allocation Mod Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.62 | 15.84 | 6.13 | 7.52 |
| 06-46K | Large Cap Blend | **Columbia Contrarian Core Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.61 | 17.51 | 14.26 | 14.39 |
| 06-4FK | Large Cap Value | **Columbia Dividend Income Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.54 | 15.92 | 12.18 | 12.46 |
| 06-CWG | Emerging Market Bond | **Columbia Emerging Markets Bond Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.67 | 13.20 | 1.90 | 4.56 |
| 06-67R | Large Cap Growth | **Columbia Integrated Large Cap Gr Ins 3: Class Retirement\*\*\***<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.43<br> \* | 15.17 | 15.17 | 16.66 |
| 06-FTP | Foreign Value | **Columbia Overseas Value Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.78<br> \* | 45.90 | 13.21 | 9.66 |
| 06-FTT | Intermediate Term Bond | **Columbia Quality Income Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.52<br> \* | 9.66 | -0.54 | 1.81 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4GF | Large Cap Growth | **Columbia Select Large Cap Growth Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.69<br> \* | 10.99 | 6.02 | 12.45 |
| 06-4GG | Large Cap Value | **Columbia Select Large Cap Value Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.48<br> \* | 28.07 | 14.04 | 12.83 |
| 06-64W | Mid Cap Value | **Columbia Select Mid Cap Value Instl 3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.75 | 13.99 | 11.47 | 10.63 |
| 06-6PN | Specialty | **Columbia Seligman Global Tech Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.91<br> \* | 35.56 | 19.05 |  |
| 06-FTR | Specialty | **Columbia Seligman Tech & Info Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.82 | 37.86 | 19.54 |  |
| 06-4YY | Small Cap Value | **Columbia Small Cap Value Discv Inst 3: Class Inst**<br> Investment Adviser: Columbia Management Investment Advisers | 0.81<br> \* | 15.04 | 12.58 | 11.49 |
| 06-6RP | Small Cap Growth | **Columbia Small Cap Growth Inst3: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.83 | 21.86 | 3.47 | 15.09 |
| 06-GKJ | Specialty | **DFA Commodity Strategy Institutional: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP<br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.32 | 15.17 | 9.66 | 5.73 |
| 06-3F9 | Diversified Emerging Markets | **DFA Emerging Markets Core Equity 2 I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.40 | 28.77 | 7.14 | 9.26 |
| 06-3CV | Diversified Emerging Markets | **DFA Em Mkts Sustnby Cor 1 Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.42<br> \* | 27.87 | 5.17 |  |
| 06-CWJ | Diversified Emerging Markets | **DFA Emerging Markets I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.36<br> \* | 33.57 | 6.59 | 9.17 |
| 06-6MG | Diversified Emerging Markets | **DFA Emerging Markets Value I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.44<br> \* | 29.49 | 9.95 | 9.84 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3C4 | World Bond | **DFA Five-Year Global Fixed-Income I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.21 | 4.33 | 1.30 | 1.75 |
| 06-CWK | Balanced | **DFA Global Allocation 25/75 I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.24<br> \* | 8.67 | 4.30 | 4.80 |
| 06-CWM | Balanced | **DFA Global Allocation 60/40 I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.25<br> \* | 14.06 | 7.74 | 8.35 |
| 06-CWN | World Stock | **DFA Global Equity I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.26<br> \* | 20.17 | 11.94 | 11.93 |
| 06-3CW | Specialty | **DFA Global Real Estate Securities Port: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.22<br> \* | 7.89 | 3.72 | 4.67 |
| 06-GKK | Inflation-Protec Bond | **DFA Inflation-Protected Securities I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.11 | 7.03 | 1.01 | 3.11 |
| 06-4FV | Int Government Bond | **DFA Intermediate Govt Fixed-Income I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.12 | 7.14 | -1.08 | 1.46 |
| 06-4NH | Intermediate Term Bond | **DFA Intermediate-Term Extnd Qlty I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.20<br> \* | 8.04 | -0.02 | 2.99 |
| 06-CWR | Foreign Small/Mid Eqty | **DFA International Small Company I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.39 | 36.33 | 8.92 | 8.73 |
| 06-6MH | Foreign Value | **DFA International Value I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.28<br> \* | 45.21 | 15.93 | 10.33 |
| 06-CWP | Foreign Blend | **DFA International Core Equity 2 I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.23 | 36.15 | 10.38 | 9.12 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3C7 | Foreign Blend | **DFA Intl Sustainability Core 1: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.24 | 32.95 | 8.80 | 8.86 |
| 06-CWT | Intermediate Term Bond | **DFA Investment Grade I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.19 | 7.22 | -0.12 | 2.36 |
| 06-6HT | Foreign Blend | **DFA Large Cap International I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.17 | 33.91 | 10.12 | 9.02 |
| 06-CWV | Specialty | **DFA Real Estate Securities I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.18<br> \* | 1.51 | 4.86 | 5.54 |
| 06-4NG | Short Term Bond | **DFA Short-Term Extended Quality I: Class Inst\*\***<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.18 | 4.92 | 1.92 | 2.17 |
| 06-4NF | Large Cap Blend | **DFA US Core Equity 1 I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.15 | 16.00 | 13.41 | 13.79 |
| 06-CWW | Large Cap Growth | **DFA US Large Cap Growth Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.18 | 12.62 | 13.29 | 15.01 |
| 06-3C3 | Large Cap Value | **DFA US Large Cap Value I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.23<br> \* | 16.36 | 12.03 | 10.64 |
| 06-CWX | Large Cap Blend | **DFA US Large Company I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.08<br> \* | 17.76 | 14.33 | 14.75 |
| 06-3YM | Small Cap Blend | **DFA US Micro Cap I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.41 | 9.66 | 10.97 | 10.33 |
| 06-CWY | Small Cap Growth | **DFA US Small Cap Growth Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.32 | 5.95 | 8.65 | 10.53 |
| 06-GFK | Small Cap Blend | **DFA US Small Cap I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.27<br> \* | 8.07 | 9.87 | 10.00 |
| 06-4NC | Small Cap Value | **DFA US Small Cap Value I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.31 | 8.38 | 13.76 | 10.38 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-6Y7 | Large Cap Blend | **DFA US Social Core Equity 2 Portfolio: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.22 | 15.96 | 13.34 | 13.53 |
| 06-3C6 | Large Cap Blend | **DFA US Sustainability Core 1: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.17 | 15.93 | 13.43 | 14.55 |
| 06-CXC | Small Cap Value | **DFA US Targeted Value I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.29<br> \* | 9.55 | 13.60 | 10.81 |
| 06-CXF | World Bond | **DFA World ex US Government Fxd Inc I: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP <br>Investment Subadviser: Dimensional Fund Advisors Ltd;DFA <br>Australia Limited; | 0.20 | 3.15 | -2.28 | 1.47 |
| 06-6YT | Intermediate Term Bond | **Diamond Hill Core Bond Y: Class Inst**<br> Investment Adviser: Diamond Hill Capital Management Inc | 0.35 | 7.39 | 0.74 |  |
| 06-3PM | Mgd Asset Allocation | **Dimensional 2015 Target Dt Rtr Inc Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.17<br> \* | 10.32 | 3.31 | 5.58 |
| 06-3PN | Mgd Asset Allocation | **Dimensional 2020 Target Dt Rtr Inc Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.18<br> \* | 9.99 | 2.34 | 5.60 |
| 06-3PP | Mgd Asset Allocation | **Dimensional 2025 Target Dt Rtr Inc Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.16 | 9.45 | 1.70 | 5.89 |
| 06-3PR | Mgd Asset Allocation | **Dimensional 2030 Target Dt Rtr Inc Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.17 | 10.35 | 2.48 | 6.69 |
| 06-3PT | Mgd Asset Allocation | **Dimensional 2035 Target Dt Rtr Inc Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.18 | 12.10 | 4.46 | 7.67 |
| 06-3PV | Mgd Asset Allocation | **Dimensional 2040 Target Dt Rtr Inc Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.19 | 14.48 | 7.68 | 9.23 |
| 06-3PW | Mgd Asset Allocation | **Dimensional 2045 Target Dt Rtr Inc Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.20<br> \* | 17.17 | 10.56 | 11.12 |
| 06-3PX | Mgd Asset Allocation | **Dimensional 2050 Target Dt Rtr Inc Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.21<br> \* | 19.64 | 11.73 | 11.81 |
| 06-3PY | Mgd Asset Allocation | **Dimensional 2055 Target Dt Rtr Inc Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.22<br> \* | 20.21 | 11.84 | 11.87 |
| 06-3R3 | Mgd Asset Allocation | **Dimensional 2060 Target Dt Rtr Inc Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.22<br> \* | 20.28 | 11.85 | 11.87 |
| 06-3R4 | Mgd Asset Allocation | **Dimensional Retirement Income Instl: Class Inst**<br> Investment Adviser: Dimensional Fund Advisors LP | 0.18<br> \* | 8.81 | 3.82 | 4.70 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-6RK | Intermediate Term Bond | **Dodge & Cox Income X: Class Other**<br> Investment Adviser: Dodge & Cox | 0.33<br> \* | 8.39 |  |  |
| 06-6Y6 | Foreign Value | **Dodge & Cox International Stock X: Class Other**<br> Investment Adviser: Dodge & Cox | 0.52<br> \* | 38.84 |  |  |
| 06-6MT | Large Cap Value | **Dodge & Cox Stock X: Class Other**<br> Investment Adviser: Dodge & Cox | 0.41<br> \* | 13.76 | 0.00 | 0.00 |
| 06-6J4 | Diversified Emerging Markets | **Driehaus Emerging Markets Growth Instl: Class Inst**<br> Investment Adviser: Driehaus Capital Management LLC | 0.98 | 30.22 | 3.59 | 0.00 |
| 06-3VJ | Diversified Emerging Markets | **DWS Emerging Markets Equity R6: Class Retirement**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: DWS International GmbH | 0.92<br> \* | 28.90 | 0.47 |  |
| 06-6M6 | World Allocation | **DWS RREEF Real Assets R6: Class Retirement**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: RREEF America L.L.C. | 0.89<br> \* | 13.16 | 6.55 | 7.07 |
| 06-CWH | Specialty | **DWS RREEF Real Estate Securities R6: Class Retirement**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: RREEF America L.L.C. | 0.54 | -0.08 | 4.44 | 5.45 |
| 06-6MK | Cash | **Federated Hermes Govt Obl Premier: Class Inst\*\***<br> Investment Adviser: Federated Investment Management Company | 0.15<br> \* | 4.22 | 3.19 | 2.12 |
| 06-6GY | Intermediate Term Bond | **Federated Hermes Total Return Bond R6: Class Retirement**<br> Investment Adviser: Federated Investment Management Company | 0.38<br> \* | 7.31 | 0.19 | 2.81 |
| 06-4NJ | Intermediate Term Bond | **Federated Hermes Corporate Bond R6: Class Retirement**<br> Investment Adviser: Federated Investment Management Company | 0.59<br> \* | 7.22 | 0.40 |  |
| 06-3GV | High Yield Bond | **Federated Hermes Instl High Yield Bd R6: Class Retirement**<br> Investment Adviser: Federated Investment Management Company | 0.49<br> \* | 8.38 | 3.91 |  |
| 06-GKN | Foreign Blend | **Federated Hermes Intl Leaders R6: Class Retirement**<br> Investment Adviser: Federated Global Investment Management Corp | 0.74<br> \* | 37.33 | 8.90 | 8.38 |
| 06-CXG | Large Cap Growth | **Federated Hermes Kaufmann Large Cap R6: Class Retirement**<br> Investment Adviser: Federated Global Investment Management Corp | 0.78<br> \* | 17.92 | 9.32 | 13.66 |
| 06-4PW | Small Cap Growth | **Federated Hermes Kaufmann Small Cap IS: Class Inst**<br> Investment Adviser: Federated Global Investment Management Corp | 0.90<br> \* | 11.45 | -0.11 | 11.79 |
| 06-6XP | World Bond | **Nomura Global Bond Fund Class R6: Class Retirement**<br> Investment Adviser: Delaware Management Company | 0.56<br> \* | 4.84 | 0.94 | 3.38 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3MG | Small Cap Blend | **Federated Hermes MDT Small Cap Core R6: Class Retirement**<br> Investment Adviser: Federated MDTA LLC | 0.88<br> \* | 14.15 | 9.63 |  |
| 06-FTX | Small Cap Growth | **Federated Hermes MDT Small Cap Growth R6: Class Retirement**<br> Investment Adviser: Federated MDTA LLC | 0.88<br> \* | 17.11 | 6.46 |  |
| 06-GKM | High Yield Bond | **Federated Hermes Opportunistic HY Bd R6: Class Retirement**<br> Investment Adviser: Federated Investment Management Company | 0.72<br> \* | 8.31 | 4.51 |  |
| 06-3HR | Large Cap Blend | **Fidelity 500 Index: Class Other**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.02 | 17.86 | 14.41 | 14.81 |
| 06-6XJ | Mgd Asset Allocation | **Fidelity Freedom Blend 2010 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.21 | 11.23 | 3.25 |  |
| 06-6XK | Mgd Asset Allocation | **Fidelity Freedom Blend 2015 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.22 | 13.00 | 4.02 |  |
| 06-6WG | Mgd Asset Allocation | **Fidelity Freedom Blend 2020 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.23 | 14.56 | 4.74 |  |
| 06-6XF | Mgd Asset Allocation | **Fidelity Freedom Blend 2025 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.24 | 16.12 | 5.50 |  |
| 06-6WY | Mgd Asset Allocation | **Fidelity Freedom Blend 2030 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.26 | 17.16 | 6.33 |  |
| 06-6X4 | Mgd Asset Allocation | **Fidelity Freedom Blend 2035 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.27 | 18.66 | 7.71 |  |
| 06-6XM | Mgd Asset Allocation | **Fidelity Freedom Blend 2040 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.27 | 21.35 | 9.25 |  |
| 06-6X6 | Mgd Asset Allocation | **Fidelity Freedom Blend 2045 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.27 | 22.90 | 9.77 |  |
| 06-6XG | Mgd Asset Allocation | **Fidelity Freedom Blend 2050 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.27 | 22.89 | 9.79 |  |
| 06-6XN | Mgd Asset Allocation | **Fidelity Freedom Blend 2055 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.27 | 22.85 | 9.77 |  |
| 06-6X7 | Mgd Asset Allocation | **Fidelity Freedom Blend 2060 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.27 | 22.85 | 9.78 |  |
| 06-6XH | Mgd Asset Allocation | **Fidelity Freedom Blend 2065 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.27 | 22.90 | 9.77 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-77N | Mgd Asset Allocation | **Fidelity Freedom Blend 2070 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.27 | 22.42 |  |  |
| 06-6WX | Mgd Asset Allocation | **Fidelity Freedom Blend Ret K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.21 | 10.30 | 2.58 |  |
| 06-76P | World Stock | **Fidelity Advisor<sup>®</sup> Global EquityInc Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd;FIL Investment Advisors (FIA);<br>FIL Investment Advisors (UK) Ltd; | 0.82 | 26.10 |  |  |
| 06-GHM | Mgd Asset Allocation | **Fidelity Advisor Freedom 2010 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.24 | 11.45 | 3.41 |  |
| 06-GHN | Mgd Asset Allocation | **Fidelity Advisor Freedom 2015 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.26 | 13.20 | 4.16 |  |
| 06-GHP | Mgd Asset Allocation | **Fidelity Advisor Freedom 2020 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.28 | 14.85 | 4.91 |  |
| 06-GHR | Mgd Asset Allocation | **Fidelity Advisor Freedom 2025 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.32 | 16.44 | 5.64 |  |
| 06-GHT | Mgd Asset Allocation | **Fidelity Advisor Freedom 2030 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.36 | 17.57 | 6.46 |  |
| 06-GHV | Mgd Asset Allocation | **Fidelity Advisor Freedom 2035 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.40 | 19.04 | 7.80 |  |
| 06-GHW | Mgd Asset Allocation | **Fidelity Advisor Freedom 2040 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.44 | 21.77 | 9.33 |  |
| 06-GHX | Mgd Asset Allocation | **Fidelity Advisor Freedom 2045 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.46 | 23.32 | 9.87 |  |
| 06-GHY | Mgd Asset Allocation | **Fidelity Advisor Freedom 2050 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.46 | 23.41 | 9.86 |  |
| 06-GJC | Mgd Asset Allocation | **Fidelity Advisor Freedom 2055 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.46 | 23.37 | 9.86 |  |
| 06-GJF | Mgd Asset Allocation | **Fidelity Advisor Freedom 2060 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.46 | 23.45 | 9.87 |  |
| 06-63Y | Mgd Asset Allocation | **Fidelity Advisor Freedom 2065 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.46 | 23.33 | 9.86 |  |
| 06-77P | Mgd Asset Allocation | **Fidelity Advisor Freedom 2070 K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.46 | 22.90 |  |  |

---

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*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GJG | Mgd Asset Allocation | **Fidelity Advisor Freedom Retirement K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.24 | 10.48 | 2.72 |  |
| 06-FVF | Balanced | **Fidelity Advisor<sup>®</sup> Balanced Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.39 | 15.30 |  |  |
| 06-4N6 | Foreign Growth | **Fidelity Advisor China Region Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd;FIL Investment Advisors (FIA);<br>FIL Investment Advisors (UK) Ltd; | 0.77 | 42.79 | 3.05 |  |
| 06-FVG | Foreign Growth | **Fidelity Advisor Diversified Intl Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd;FIL Investment Advisors (FIA);<br>FIL Investment Advisors (UK) Ltd; | 0.72 | 27.90 | 6.75 | 8.53 |
| 06-FVH | Large Cap Blend | **Fidelity Advisor Diversified Stock Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd; | 0.44 | 13.96 | 13.99 | 15.31 |
| 06-4RH | Large Cap Growth | **Fidelity Advisor Growth Opps Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.60 | 22.60 | 11.45 | 20.34 |
| 06-4G3 | Specialty | **Fidelity Advisor Industrials Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.59 | 24.91 | 14.82 |  |

---

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*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-FVJ | Foreign Growth | **Fidelity Advisor Intl Cap App Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd;FIL Investment Advisors (FIA);<br>FIL Investment Advisors (UK) Ltd; | 0.78 | 18.89 | 6.33 |  |
| 06-4G4 | Specialty | **Fidelity Advisor Intl Real Estate Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;FIL Investment <br>Advisors (FIA);FIL Investment Advisors (UK) Ltd;Fidelity Management & <br>Research (HK) Ltd; | 0.78 | 22.92 | -0.91 |  |
| 06-4XH | Foreign Small/Mid Eqty | **Fidelity Advisor Intl Small Cap Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd;FIL Investment Advisors (FIA);<br>FIL Investment Advisors (UK) Ltd; | 0.83 | 24.82 | 7.26 |  |
| 06-6JF | Intermediate Term Bond | **Fidelity Advisor Investment Gr Bd Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management &<br>Research (HK) Ltd; | 0.36<br> \* | 7.30 | 0.01 |  |
| 06-3HN | Mid Cap Value | **Fidelity Advisor Mid Cap Value Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.75 | 13.12 | 13.82 |  |
| 06-6YV | Balanced | **Fidelity Advisor Multi-Asset Income Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management &<br>Research (HK) Ltd; | 0.74 | 14.23 | 7.62 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-FVK | Large Cap Growth | **Fidelity Advisor New Insights Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.53 | 23.18 | 15.62 | 15.89 |
| 06-73J | High Yield Bond | **Fidelity Advisor Short Dur Hi Inc Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Fidelity Management & Research (Japan) Limited;<br>Fidelity Management & Research (Hong Kong) Ltd; | 0.66<br> \* | 7.81 | 4.60 |  |
| 06-4TT | Small Cap Value | **Fidelity Advisor Small Cap Value Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.84 | 8.28 | 10.93 |  |
| 06-74C | Small Cap Blend | **Fidelity Advisor Stock Selector Sm Cp Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd; | 0.73 | 14.50 | 9.97 |  |
| 06-FVM | Intermediate Term Bond | **Fidelity Advisor Total Bond Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;FIL Investment <br>Advisors (FIA);FIL Investment Advisors (UK) Ltd;Fidelity Management & <br>Research (HK) Ltd; | 0.36<br> \* | 7.59 | 0.66 | 3.16 |
| 06-6PM | Mid Cap Value | **Fidelity Advisor Value Z: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd; | 0.68 | 11.51 | 12.72 |  |
| 06-6FN | Large Cap Growth | **Fidelity Blue Chip Growth K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.45 | 21.33 | 14.81 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-6HR | Large Cap Growth | **Fidelity Contrafund K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.45 | 22.27 | 15.57 | 0.00 |
| 06-77R | Mgd Asset Allocation | **Fidelity Freedom Index 2070 Investor: Class Inv**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 21.43 |  |  |
| 06-67W | Mgd Asset Allocation | **Fidelity Freedom Index Ret Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 9.32 | 2.61 |  |
| 06-49Y | Mgd Asset Allocation | **Fidelity Freedom Index 2010 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 10.21 | 3.19 | 5.36 |
| 06-4C4 | Mgd Asset Allocation | **Fidelity Freedom Index 2015 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 11.69 | 3.91 | 6.20 |
| 06-4C6 | Mgd Asset Allocation | **Fidelity Freedom Index 2020 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 13.35 | 4.63 | 6.93 |
| 06-4C7 | Mgd Asset Allocation | **Fidelity Freedom Index 2025 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 14.84 | 5.33 | 7.61 |
| 06-4C9 | Mgd Asset Allocation | **Fidelity Freedom Index 2030 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 15.89 | 6.13 | 8.58 |
| 06-4CC | Mgd Asset Allocation | **Fidelity Freedom Index 2035 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 17.32 | 7.47 | 9.77 |
| 06-4CF | Mgd Asset Allocation | **Fidelity Freedom Index 2040 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 19.88 | 8.98 | 10.70 |
| 06-4CG | Mgd Asset Allocation | **Fidelity Freedom Index 2045 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 21.40 | 9.52 | 10.96 |
| 06-4CH | Mgd Asset Allocation | **Fidelity Freedom Index 2050 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 21.40 | 9.51 | 10.96 |
| 06-4CJ | Mgd Asset Allocation | **Fidelity Freedom Index 2055 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 21.40 | 9.51 | 10.97 |
| 06-4CK | Mgd Asset Allocation | **Fidelity Freedom Index 2060 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 21.38 | 9.51 | 10.96 |
| 06-4F3 | Mgd Asset Allocation | **Fidelity Freedom Index 2065 Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 21.45 | 9.51 |  |
| 06-4F4 | Mgd Asset Allocation | **Fidelity Freedom Index Ret Investor: Class Inv\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.12 | 9.23 | 2.55 | 4.10 |

---

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-6H7 | Managed Asset Allocation | **Fidelity Freedom Index 2010 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 10.16 | 3.22 | 5.41 |
| 06-67Y | Mgd Asset Allocation | **Fidelity Freedom Index 2010 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 10.28 | 3.26 |  |
| 06-6H9 | Managed Asset Allocation | **Fidelity Freedom Index 2015 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 11.81 | 3.96 | 6.25 |
| 06-69C | Mgd Asset Allocation | **Fidelity Freedom Index 2015 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 11.83 | 3.98 |  |
| 06-6HW | Managed Asset Allocation | **Fidelity Freedom Index 2020 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 13.40 | 4.66 | 6.98 |
| 06-69F | Mgd Asset Allocation | **Fidelity Freedom Index 2020 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 13.43 | 4.69 |  |
| 06-6HC | Managed Asset Allocation | **Fidelity Freedom Index 2025 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 14.94 | 5.39 | 7.66 |
| 06-69G | Mgd Asset Allocation | **Fidelity Freedom Index 2025 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 14.92 | 5.41 |  |
| 06-6HF | Managed Asset Allocation | **Fidelity Freedom Index 2030 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 15.93 | 6.18 | 8.63 |
| 06-69H | Mgd Asset Allocation | **Fidelity Freedom Index 2030 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 15.97 | 6.20 |  |
| 06-6HG | Managed Asset Allocation | **Fidelity Freedom Index 2035 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 17.36 | 7.52 | 9.82 |
| 06-69J | Mgd Asset Allocation | **Fidelity Freedom Index 2035 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 17.39 | 7.55 |  |
| 06-6HH | Managed Asset Allocation | **Fidelity Freedom Index 2040 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 19.93 | 9.04 | 10.75 |
| 06-69K | Mgd Asset Allocation | **Fidelity Freedom Index 2040 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 19.97 | 9.06 |  |
| 06-6HJ | Managed Asset Allocation | **Fidelity Freedom Index 2045 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 21.44 | 9.56 | 11.01 |
| 06-69M | Mgd Asset Allocation | **Fidelity Freedom Index 2045 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 21.43 | 9.57 |  |
| 06-6HK | Managed Asset Allocation | **Fidelity Freedom Index 2050 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 21.42 | 9.55 | 11.01 |

---

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-69N | Mgd Asset Allocation | **Fidelity Freedom Index 2050 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 21.49 | 9.59 |  |
| 06-6HM | Managed Asset Allocation | **Fidelity Freedom Index 2055 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 21.48 | 9.55 | 11.01 |
| 06-69P | Mgd Asset Allocation | **Fidelity Freedom Index 2055 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 21.46 | 9.58 |  |
| 06-6HN | Managed Asset Allocation | **Fidelity Freedom Index 2060 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 21.47 | 9.56 | 11.02 |
| 06-69R | Mgd Asset Allocation | **Fidelity Freedom Index 2060 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 21.50 | 9.58 |  |
| 06-6HP | Managed Asset Allocation | **Fidelity Freedom Index 2065 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 21.48 | 9.56 | 0.00 |
| 06-69T | Mgd Asset Allocation | **Fidelity Freedom Index 2065 Premier: Class Other\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 21.51 | 9.58 |  |
| 06-77T | Mgd Asset Allocation | **Fidelity Freedom Index 2070 Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 21.45 |  |  |
| 06-77V | Mgd Asset Allocation | **Fidelity Freedom Index 2070 Premier: Class A\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.05 | 21.57 |  |  |
| 06-6H6 | Managed Asset Allocation | **Fidelity Freedom Index Ret Instl Prem: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.08 | 9.26 | 2.59 | 4.15 |
| 06-3WN | Diversified Emerging Markets | **Fidelity Emerging Markets Idx: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.08 | 33.94 | 3.95 | 8.26 |
| 06-6WW | Diversified Emerging Markets | **Fidelity Emerging Markets K: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd;FIL Investment Advisors (FIA);<br>FIL Investment Advisors (UK) Ltd; | 0.74 | 31.18 | 3.65 | 10.30 |
| 06-3WJ | Mid Cap Blend | **Fidelity Extended Market Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.04 | 11.40 | 6.20 | 11.02 |

---

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-77Y | Mid Cap Growth | **Fidelity Growth Strategies K6: Class Retirement**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.46 | 12.76 | 9.36 |  |
| 06-3WK | Inflation-Protec Bond | **Fidelity Inflation-Prot Bd Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.05 | 6.79 | 1.04 | 3.03 |
| 06-3HX | Foreign Blend | **Fidelity International Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.04 | 31.96 | 9.13 | 8.42 |
| 06-4H6 | Foreign Blend | **Fidelity Intl Sustainability Idx: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.20 | 29.82 | 6.56 |  |
| 06-6PP | Cash | **Fidelity Inv MM Government Instl: Class Inst\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.14<br> \* | 4.24 | 3.19 | 2.12 |
| 06-4RK | Large Cap Growth | **Fidelity Large Cap Growth Idx: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.04 | 18.53 | 15.30 |  |
| 06-4RJ | Large Cap Value | **Fidelity Large Cap Value Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.04 | 15.89 | 11.31 |  |
| 06-3HW | Mid Cap Blend | **Fidelity Mid Cap Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.03 | 10.57 | 8.67 | 11.01 |
| 06-4N3 | Balanced | **Fidelity Multi-Asset Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.11<br> \* | 20.15 | 9.23 | 10.56 |
| 06-73Y | Large Cap Growth | **Fidelity Nasdaq Composite Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.29 | 21.11 | 13.46 | 17.59 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3WP | Specialty | **Fidelity Real Estate Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.07 | 3.03 | 4.70 | 3.81 |
| 06-74H | Specialty | **Fidelity Select Health Care: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.63 | 14.40 | 3.97 | 8.99 |
| 06-74M | Small Cap Growth | **Fidelity Small Cap Growth K6: Class Retirement\*\*\***<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.61 | 11.38 | 5.99 |  |
| 06-3HV | Small Cap Blend | **Fidelity Small Cap Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.03 | 12.93 | 6.20 | 9.76 |
| 06-4H4 | Intermediate Term Bond | **Fidelity Sustainability Bond Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.10 | 7.01 | -0.50 |  |
| 06-3WH | Foreign Blend | **Fidelity Total International Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.06 | 32.62 | 7.87 |  |
| 06-3MR | Large Cap Blend | **Fidelity Total Market Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.02 | 17.05 | 13.09 | 14.23 |
| 06-3X3 | Large Cap Blend | **Fidelity U.S. Sustainability Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: Geode Capital Management, LLC | 0.11 | 18.78 | 14.72 |  |
| 06-3HT | Intermediate Term Bond | **Fidelity U.S. Bond Index: Class No Load**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.03 | 7.13 | -0.43 | 1.96 |

---

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3VC | World Allocation | **First Eagle Global R6: Class Retirement**<br> Investment Adviser: First Eagle Investment Management, LLC | 0.79 | 31.98 | 12.08 |  |
| 06-6NG | Specialty | **First Eagle Gold R6: Class Retirement**<br> Investment Adviser: First Eagle Investment Management, LLC | 0.83 | 129.08 | 20.02 |  |
| 06-3VF | Foreign Blend | **First Eagle Overseas R6: Class Retirement**<br> Investment Adviser: First Eagle Investment Management, LLC | 0.80 | 39.15 | 9.78 |  |
| 06-6MW | Small Cap Value | **First Eagle Small Cap Opportunity R6: Class Retirement**<br> Investment Adviser: First Eagle Investment Management, LLC | 1.01 | 13.40 |  |  |
| 06-74K | Specialty | **Franklin Convertible Securities R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.51<br> \* | 13.88 | 5.84 | 12.49 |
| 06-CXH | Intermediate Term Bond | **Franklin Core Plus Bond Fund R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.37<br> \* | 7.68 | 2.21 | 3.49 |
| 06-3RY | Large Cap Growth | **Franklin DynaTech R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.44 | 18.85 | 8.84 | 17.12 |
| 06-3T3 | Large Cap Value | **Franklin Equity Income R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.50<br> \* | 17.30 | 12.28 | 11.52 |
| 06-4PN | Large Cap Growth | **Franklin Growth Opportunities R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.57 | 8.34 | 7.34 | 13.33 |
| 06-FXP | Large Cap Growth | **Franklin Growth R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.46 | 15.62 | 9.97 | 14.16 |
| 06-GKR | Balanced | **Franklin Income R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.42 | 12.47 | 8.07 | 7.88 |
| 06-3T4 | Foreign Growth | **Franklin Intl Growth R6: Class Retirement**<br> Investment Adviser: Franklin Templeton Institutional, LLC | 0.76<br> \* | 10.60 | -2.29 | 6.92 |
| 06-3TN | Balanced | **Franklin Managed Income R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.59<br> \* | 10.62 | 6.21 | 7.34 |
| 06-FXR | World Stock | **Franklin Mutual Global Discovery R6: Class Retirement**<br> Investment Adviser: Franklin Mutual Advisers, LLC | 0.88 | 23.73 | 12.35 | 9.03 |
| 06-3T6 | World Allocation | **Franklin Mutual Quest R6: Class Retirement**<br> Investment Adviser: Franklin Mutual Advisers, LLC | 0.72<br> \* | 17.71 | 8.06 | 6.57 |
| 06-4PG | Specialty | **Franklin Real Estate Securities R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.66<br> \* | 2.63 | 4.49 | 4.76 |
| 06-3T7 | Large Cap Blend | **Franklin Rising Dividends R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.52 | 12.24 | 9.85 | 12.35 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3T9 | Small Cap Growth | **Franklin Small Cap Growth R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.66 | 7.92 | 2.21 | 10.57 |
| 06-GKT | Small Cap Value | **Franklin Small Cap Value R6: Class Retirement\*\*\***<br> Investment Adviser: Franklin Mutual Advisers, LLC | 0.60<br> \* | 7.67 | 9.14 | 10.16 |
| 06-3TC | Mid Cap Growth | **Franklin Small-Mid Cap Growth R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.51<br> \* | 3.11 | 1.54 | 10.62 |
| 06-3RV | Int Government Bond | **Franklin US Government Secs R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.52<br> \* | 7.25 | -0.05 | 1.17 |
| 06-FNP | Specialty | **Franklin Utilities R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.50<br> \* | 15.37 | 11.11 | 11.05 |
| 06-GKV | Short Term Bond | **Frost Credit Institutional: Class Inst**<br> Investment Adviser: Frost Investment Advisors, LLC | 0.66 | 5.46 | 4.39 | 5.48 |
| 06-GKW | Large Cap Growth | **Frost Growth Equity Inst: Class Inst**<br> Investment Adviser: Frost Investment Advisors, LLC | 0.66 | 15.15 | 13.23 | 16.16 |
| 06-GKX | Short Term Bond | **Frost Total Return Bond Inst: Class Inst**<br> Investment Adviser: Frost Investment Advisors, LLC | 0.46 | 5.77 | 3.68 | 3.87 |
| 06-4PV | Intermediate Term Bond | **Goldman Sachs Core Fixed Income R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.37<br> \* | 7.69 | -0.38 | 2.31 |
| 06-3GG | Diversified Emerging Markets | **Goldman Sachs Emerging Markets Eq R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 1.03<br> \* | 32.79 | 1.09 | 8.02 |
| 06-CXJ | Cash | **Goldman Sachs FS Government R6: Class Retirement\*\***<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.18 | 4.21 | 3.19 | 2.12 |
| 06-74J | Foreign Growth | **Goldman Sachs GQG Ptnrs Intl Opps R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P.<br>Investment Subadviser: GQG Partners LLC | 0.75<br> \* | 20.88 | 9.22 |  |
| 06-6YX | Foreign Value | **Goldman Sachs International Eq Inc R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.83<br> \* | 34.28 | 12.83 |  |
| 06-CXM | Foreign Blend | **Goldman Sachs Intl Eq Insghts R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.81<br> \* | 40.64 | 11.43 | 9.55 |
| 06-CXN | Large Cap Growth | **Goldman Sachs Large Cap Gr Insghts R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.55<br> \* | 15.56 | 14.61 | 16.30 |
| 06-CXP | Large Cap Value | **Goldman Sachs Large Cp Val Insghts R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.55<br> \* | 15.31 | 12.32 | 10.64 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CXR | Mid Cap Blend | **Goldman Sachs Mid Cap Value R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.83 | 9.65 | 10.08 | 10.10 |
| 06-CXK | Mid Cap Growth | **Goldman Sachs Mid Cap Growth R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.84<br> \* | 7.44 | 4.88 | 11.75 |
| 06-46M | Small Cap Blend | **Goldman Sachs Small Cap Eq Insghts R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.83<br> \* | 15.57 | 10.32 | 10.61 |
| 06-CXT | Small Cap Value | **Goldman Sachs Small Cap Value R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.96<br> \* | 10.71 | 7.48 | 8.06 |
| 06-4NP | Mid Cap Growth | **Goldman Sachs Small/Mid Cap Growth R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.92 | 1.98 | 0.29 | 10.04 |
| 06-FXT | Large Cap Blend | **Goldman Sachs US Equity Insights R6: Class Retirement**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.56<br> \* | 15.52 | 13.97 | 13.95 |
| 06-6KG | Intermediate Term Bond | **Guggenheim Macro Opportunities R6: Class Retirement**<br> Investment Adviser: Guggenheim Partners Investment Mgmt LLC | 0.94<br> \* | 7.57 | 3.61 |  |
| 06-6KF | Intermediate Term Bond | **Guggenheim Total Return Bond R6: Class Retirement**<br> Investment Adviser: Guggenheim Partners Investment Mgmt LLC | 0.42<br> \* | 8.25 | 0.25 |  |
| 06-3MT | World Stock | **GuideStone Funds Aggressive Allc Inv: Class Other**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Parametric Portfolio Associates LLC | 1.09 | 19.59 | 9.01 | 10.46 |
| 06-3MV | Balanced | **GuideStone Funds Balanced Allc Inv: Class Other**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Parametric Portfolio Associates LLC | 0.98 | 12.48 | 4.31 | 6.24 |
| 06-3MW | Balanced | **GuideStone Funds Conservative Allc Inv: Class Other**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Parametric Portfolio Associates LLC | 0.94 | 9.46 | 3.45 | 4.42 |
| 06-3MX | Balanced | **GuideStone Funds Defensv Mkt Strats Inv: Class Other**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Shenkman Capital Management Inc;Parametric <br>Portfolio Associates LLC;PGIM LLC;Wellington Management Company <br>LLP;Neuberger Berman Investment Advisers LLC; | 0.92 | 10.12 | 6.18 | 8.11 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3YV | Diversified Emerging Markets | **GuideStone Funds Emerging Mkts Eq Instl: Class Inst**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Goldman Sachs Asset Management, L.P.;<br>Parametric Portfolio Associates LLC;Wellington Management <br>Company LLP;AQR Capital Management LLC;RBC Global Asset <br>Management (UK) Limited; | 1.05<br> \* | 34.85 | 4.58 | 8.46 |
| 06-3YW | Large Cap Blend | **GuideStone Funds Equity Index Instl: Class Inst**<br> Investment Adviser: GuideStone Capital Management, LLC <br>Investment Subadviser: Legal & General Investment Management America Inc | 0.12 | 17.07 | 14.04 | 14.67 |
| 06-3YY | World Bond | **GuideStone Funds Global Bond Instl: Class Inst**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Loomis, Sayles & Company LP;MFS Institutional <br>Advisors Inc;Parametric Portfolio Associates LLC;Neuberger Berman <br>Investment Advisers LLC; | 0.57 | 7.93 | -0.51 | 2.74 |
| 06-43C | Specialty | **GuideStone Funds Global Rl Est Secs Inst: Class Inst**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Heitman Real Estate Securities LLC;<br>RREEF America L.L.C.; | 0.91 | 8.98 | 3.88 | 4.73 |
| 06-43F | Large Cap Growth | **GuideStone Funds Growth Equity Instl: Class Inst**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Loomis, Sayles & Company LP;J.P. Morgan <br>Investment Management, Inc.;Sands Capital Management, LLC;<br>Parametric Portfolio Associates LLC;William Blair Investment <br>Management, LLC; | 0.65 | 13.17 | 10.10 | 14.66 |
| 06-43G | Foreign Blend | **GuideStone Funds International Eq Instl: Class Inst**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Altrinsic Global Advisors LLC;MFS Institutional <br>Advisors Inc;Parametric Portfolio Associates LLC;WCM Investment <br>Management;Wellington Management Company LLP;AQR Capital <br>Management LLC; | 0.85 | 28.12 | 8.30 | 8.49 |
| 06-43H | Intermediate Term Bond | **GuideStone Funds Medium-Dur Bd Instl: Class Inst**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Loomis, Sayles & Company LP;Goldman Sachs <br>Asset Management, L.P.;Guggenheim Partners Investment Mgmt LLC;<br>Parametric Portfolio Associates LLC;Pacific Investment Management <br>Company, LLC; | 0.41 | 8.22 | -0.41 | 2.30 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-43J | Small Cap Blend | **GuideStone Funds Small Cap Equity Instl: Class Inst**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: TimesSquare Capital Management, LLC;<br>American Century Investment Management Inc;Jacobs Levy Equity <br>Management, Inc.;Parametric Portfolio Associates LLC;Driehaus Capital <br>Management LLC;Nomura Investments Fund Advisers; | 0.95 | 6.06 | 6.22 | 9.04 |
| 06-43M | Large Cap Value | **GuideStone Funds Value Equity Instl: Class Inst**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: TCW Investment Management Co LLC;<br>Parametric Portfolio Associates LLC;American Century Investment <br>Management;Barrow Hanley Mewhinney & Strauss; | 0.63 | 14.23 | 11.51 | 10.36 |
| 06-3MY | Balanced | **GuideStone Funds Mod Agrsv Allc Inv: Class Other**<br> Investment Adviser: GuideStone Capital Management, LLC<br>Investment Subadviser: Parametric Portfolio Associates LLC | 1.05 | 16.11 | 6.76 | 8.45 |
| 06-49R | Large Cap Growth | **Harbor Capital Appreciation Retirement: Class Retirement**<br> Investment Adviser: Harbor Capital Advisors Inc<br>Investment Subadviser: Jennison Associates LLC | 0.59<br> \* | 14.04 | 10.57 |  |
| 06-6JR | Intermediate Term Bond | **Harbor Core Bond Retirement: Class Retirement**<br> Investment Adviser: Harbor Capital Advisors Inc<br>Investment Subadviser: Income Research + Management | 0.26<br> \* | 7.10 | -0.34 | 0.00 |
| 06-49T | Mid Cap Value | **Harbor Mid Cap Value Retirement: Class Retirement**<br> Investment Adviser: Harbor Capital Advisors Inc<br>Investment Subadviser: LSV Asset Management | 0.77<br> \* | 16.01 | 13.24 |  |
| 06-6Y4 | Small Cap Growth | **Harbor Small Cap Growth Retirement: Class Retirement**<br> Investment Adviser: Harbor Capital Advisors Inc<br>Investment Subadviser: Westfield Capital Management Company, L.P. | 0.80 | 11.47 | 4.08 |  |
| 06-3P9 | Balanced | **Hartford Balanced Income R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company LLP | 0.56 | 11.09 | 5.17 | 7.01 |
| 06-3XH | World Stock | **Hartford Climate Opportunities R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Schroder Investment Management North <br>America Ltd;Wellington Management Company LLP;Schroder <br>Investment Management North America Inc.; | 0.69<br> \* | 18.98 | 5.92 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3YJ | Large Cap Blend | **Hartford Core Equity R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company | 0.36 | 14.75 | 12.23 | 13.64 |
| 06-3NY | Large Cap Value | **Hartford Dividend and Growth R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company | 0.63 | 17.21 | 12.57 | 12.41 |
| 06-6W9 | Large Cap Value | **Hartford Equity Income R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company | 0.65 | 15.26 | 11.27 | 10.97 |
| 06-3P4 | Large Cap Growth | **Hartford Growth Opportunities R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company | 0.73 | 13.69 | 9.24 | 15.64 |
| 06-3WC | Foreign Growth | **Hartford International Growth R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company LLP | 0.85<br> \* | 27.29 | 4.26 |  |
| 06-3F7 | Foreign Blend | **Hartford International Opportunities R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company LLP | 0.69 | 30.32 | 6.95 | 8.15 |
| 06-39T | Mid Cap Growth | **Hartford MidCap R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company | 0.76 | -0.50 | 0.26 | 8.06 |
| 06-3NX | Foreign Blend | **Hartford Schroders International Stk SDR: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Schroder Investment Management North <br>America Ltd;Schroder Investment Management North America Inc.; | 0.69 | 26.16 | 7.56 | 9.75 |
| 06-3NW | Foreign Value | **Hartford Schroders Intl Multi-Cp Val SDR: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Schroder Investment Management North <br>America Ltd;Schroder Investment Management North America Inc.; | 0.76 | 46.09 | 12.37 | 9.36 |
| 06-3P6 | Intermediate Term Bond | **Hartford Total Return Bond R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company | 0.32 | 7.28 | 0.06 | 2.76 |
| 06-3P7 | World Bond | **Hartford World Bond R6: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company | 0.63 | 5.12 | 1.73 | 2.34 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4PM | Large Cap Value | **Invesco Comstock R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.44 | 17.53 | 15.67 | 12.34 |
| 06-7F3 | Large Cap Growth | **Invesco American Franchise R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.61 | 11.93 | 10.65 | 15.15 |
| 06-3G7 | Intermediate Term Bond | **Invesco Core Plus Bond R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.44<br> \* | 7.54 | 0.20 | 3.00 |
| 06-3W4 | Intermediate Term Bond | **Invesco Corporate Bond R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.34 | 7.73 | 0.33 | 4.06 |
| 06-DDD | Diversified Emerging Markets | **Invesco Developing Markets R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Asset Management Ltd | 0.88 | 28.84 | -0.14 | 6.43 |
| 06-3F3 | Mid Cap Growth | **Invesco Discovery Mid Cap Growth R6: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.67 | 5.18 | 4.16 | 11.52 |
| 06-6XY | Small Cap Growth | **Invesco Discovery R6: Class Retirement\*\*\***<br> Investment Adviser: Invesco Advisers, Inc. | 0.65 | 16.96 | 6.23 | 13.90 |
| 06-CXV | Large Cap Value | **Invesco Diversified Dividend R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.47 | 15.95 | 11.09 | 9.44 |
| 06-46C | Large Cap Blend | **Invesco Equally-Wtd S&P 500 R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Capital Management LLC | 0.18 | 11.25 | 10.28 | 11.53 |
| 06-CXW | Foreign Growth | **Invesco EQV International Equity R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.86 | 16.38 | 3.69 | 6.22 |
| 06-4FY | Foreign Small/Mid Eqty | **Invesco International Small Company R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Asset Management Limited | 1.06<br> \* | 26.42 | 8.52 | 9.01 |
| 06-FXV | Specialty | **Invesco Floating Rate ESG R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Senior Secured Management Inc | 0.81 | 4.86 | 5.71 | 5.34 |
| 06-FYW | World Stock | **Invesco Global Opportunities R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.77 | 7.51 | -7.09 | 5.71 |
| 06-FYV | World Stock | **Invesco Global R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.72 | 15.61 | 7.42 | 11.20 |
| 06-34Y | Specialty | **Invesco Gold & Special Minerals R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.66 | 131.89 | 18.00 | 21.56 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-FYX | World Bond | **Invesco International Bond R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.76 | 17.20 | 0.47 | 3.20 |
| 06-FCC | Foreign Small/Mid Eqty | **Invesco International Small-Mid Com R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.99 | 17.19 | -0.43 | 6.81 |
| 06-FNC | Foreign Growth | **Invesco International Growth R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.73 | 16.29 | 2.40 | 6.02 |
| 06-GCC | Specialty | **Invesco Senior Floating Rate R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Senior Secured Management Inc | 0.78 | 5.41 | 6.95 | 4.90 |
| 06-CXX | Small Cap Growth | **Invesco Small Cap Growth R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.75 | 6.11 | -0.48 | 9.45 |
| 06-6PR | Small Cap Value | **Invesco Small Cap Value R6: Class Retirement\*\*\***<br> Investment Adviser: Invesco Advisers, Inc. | 0.72 | 18.06 | 21.18 |  |
| 06-6CH | Specialty | **Invesco SteelPath MLP Income R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 8.68 | 7.94 | 24.31 | 10.88 |
| 06-6KP | Mid Cap Value | **Invesco Value Opportunities R6: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 0.67 | 20.59 | 20.30 |  |
| 06-3VK | Foreign Blend | **iShares MSCI EAFE Intl Idx K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock Fund Advisors | 0.05 | 31.73 | 9.12 | 8.37 |
| 06-46N | Foreign Blend | **iShares MSCI Total Intl Idx K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.09 | 32.57 | 7.71 | 8.36 |
| 06-46P | Large Cap Blend | **iShares Russell 1000 Large-Cap Idx K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.06 | 17.27 | 13.54 | 14.51 |
| 06-3GR | Small Cap Blend | **iShares Russell 2000 Small-Cap Idx K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock Fund Advisors | 0.07 | 12.83 | 6.11 | 9.66 |
| 06-3GM | Mid Cap Blend | **iShares Russell Mid-Cap Index K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock Fund Advisors | 0.04 | 10.48 | 8.67 | 10.99 |
| 06-3G4 | Large Cap Blend | **iShares S&P 500 Index K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors | 0.03 | 17.83 | 14.38 | 14.79 |
| 06-3XR | Large Cap Blend | **iShares Total US Stock Market Idx K: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock Fund Advisors | 0.02 | 17.11 | 13.18 | 14.32 |

---

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3VM | Intermediate Term Bond | **iShares US Aggregate Bond Index K: Class Other**<br> Investment Adviser: BlackRock Fund Advisors | 0.05 | 7.15 | -0.41 | 1.96 |
| 06-CYC | Balanced | **Janus Henderson Balanced N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.57 | 15.14 | 8.53 | 10.22 |
| 06-4TJ | World Bond | **Janus Henderson Developed World Bond N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.57<br> \* | 6.56 | -0.95 | 2.66 |
| 06-CYF | Mid Cap Growth | **Janus Henderson Enterprise N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.66 | 7.75 | 7.72 | 12.79 |
| 06-CYG | Intermediate Term Bond | **Janus Henderson Flexible Bond N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.40<br> \* | 7.62 | -0.05 | 2.51 |
| 06-3CM | Specialty | **Janus Henderson Glb Tech and Innovt N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.69 | 25.05 | 13.66 |  |
| 06-GMJ | Foreign Value | **Janus Henderson Global Equity Income N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.69 | 30.25 | 10.42 | 7.96 |
| 06-3WT | Specialty | **Janus Henderson Global Life Sciences N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.68 | 24.99 | 7.77 |  |
| 06-3GW | Multisector Bond | **Janus Henderson Multi-Sector Income N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.58<br> \* | 9.69 | 3.39 | 4.87 |
| 06-6CC | Foreign Blend | **Janus Henderson Overseas N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.69 | 28.94 | 9.47 | 9.30 |
| 06-FCH | Small Cap Value | **Janus Henderson Small Cap Value N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.98 | 7.89 | 7.64 | 7.81 |
| 06-CYH | Small Cap Growth | **Janus Henderson Triton N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.67 | 9.80 | 2.68 | 9.70 |
| 06-3P3 | Small Cap Growth | **Janus Henderson Venture N: Class N**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.67 | 9.10 | 3.46 | 9.84 |
| 06-3GN | Mgd Asset Allocation | **JHancock 2010 Lifetime Blend Ptf R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.32<br> \* | 10.74 | 4.13 | 5.93 |
| 06-3H3 | Mgd Asset Allocation | **JHancock 2015 Lifetime Blend Ptf R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.37<br> \* | 11.58 | 4.49 | 6.37 |
| 06-3H4 | Mgd Asset Allocation | **JHancock 2020 Lifetime Blend Ptf R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.36<br> \* | 12.50 | 4.83 | 6.91 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3H6 | Mgd Asset Allocation | **JHancock 2025 Lifetime Blend Ptf R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.35<br> \* | 13.36 | 5.42 | 7.71 |
| 06-3H7 | Mgd Asset Allocation | **JHancock 2030 Lifetime Blend Ptf R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.33<br> \* | 15.19 | 6.42 | 8.64 |
| 06-3H9 | Mgd Asset Allocation | **JHancock 2035 Lifetime Blend Ptf R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.32<br> \* | 16.91 | 7.47 | 9.50 |
| 06-3J3 | Mgd Asset Allocation | **JHancock 2040 Lifetime Blend Ptf R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.32<br> \* | 18.18 | 8.52 | 10.27 |
| 06-3HF | Mgd Asset Allocation | **JHancock 2045 Lifetime Blend Ptf R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.32<br> \* | 19.25 | 9.38 | 10.73 |
| 06-3HG | Mgd Asset Allocation | **JHancock 2050 Lifetime Blend Ptf R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.32<br> \* | 20.03 | 9.78 | 10.93 |
| 06-3HH | Mgd Asset Allocation | **JHancock 2055 Lifetime Blend Pft R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.31<br> \* | 20.04 | 9.78 | 10.93 |
| 06-3HJ | Mgd Asset Allocation | **JHancock 2060 Lifetime Blend Pft R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.32<br> \* | 20.12 | 9.80 |  |
| 06-3TF | Balanced | **JHancock Balanced R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.62<br> \* | 16.09 | 8.79 | 9.86 |
| 06-3HM | Intermediate Term Bond | **JHancock Bond R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.35<br> \* | 7.77 | 0.15 | 2.92 |
| 06-4TN | Mid Cap Value | **JHancock Disciplined Value Mid Cap R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Boston Partners Global Investors, Inc | 0.74<br> \* | 11.39 | 11.17 | 10.33 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3VV | Large Cap Blend | **JHancock Fundamental Large Cap Core R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.66<br> \* | 10.32 | 11.70 | 12.63 |
| 06-79C | World Stock | **JHancock Global Environmental Opps R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Pictet Asset Management SA | 0.85<br> \* | 6.52 |  |  |
| 06-64P | Foreign Growth | **JHancock International Growth R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Wellington Management Company LLP | 0.89<br> \* | 29.93 | 5.61 | 8.99 |
| 06-3TG | Intermediate Term Bond | **JHancock Investment Grade Bond R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.38<br> \* | 7.74 | -0.17 | 2.36 |
| 06-4FG | Balanced | **JHancock Multimanager Lifestyle Agrsv R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 1.02 | 17.50 | 8.44 | 10.35 |
| 06-4FC | Balanced | **JHancock Multimanager Lifestyle Bal R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.92 | 13.72 | 5.89 | 7.77 |
| 06-4F7 | Balanced | **JHancock Multimanager Lifestyle Cnsrv R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.81 | 9.47 | 3.04 | 4.63 |
| 06-4FF | Balanced | **JHancock Multimanager Lifestyle Gr R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.98 | 16.08 | 7.41 | 9.20 |
| 06-4F9 | Balanced | **JHancock Multimanager Lifestyle Mod R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.88 | 11.43 | 4.49 | 6.22 |
| 06-3VT | Large Cap Growth | **JHancock U.S. Global Leaders Growth R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Sustainable Growth Advisers, LP | 0.77<br> \* | 3.17 | 5.98 | 12.35 |
| 06-6HY | Intermediate Term Bond | **JPMorgan Core Bond R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.30<br> \* | 7.54 | 0.25 | 2.43 |
| 06-3W6 | Intermediate Term Bond | **JPMorgan Core Plus Bond R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.38<br> \* | 8.06 | 0.63 | 2.79 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4CN | Diversified Emerging Markets | **JPMorgan Emerging Markets Equity R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.74<br> \* | 40.37 | 0.87 | 9.79 |
| 06-FXY | Large Cap Value | **JPMorgan Equity Income R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.45 | 14.87 | 10.92 | 11.12 |
| 06-4FH | World Allocation | **JPMorgan Global Allocation R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.65<br> \* | 15.05 | 4.75 |  |
| 06-4GH | World Bond | **JPMorgan Global Bond Opportunities R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.51<br> \* | 8.62 | 2.86 | 4.57 |
| 06-FYF | Int Government Bond | **JPMorgan Government Bond R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.30<br> \* | 7.14 | -0.35 |  |
| 06-3W3 | Balanced | **JPMorgan Income Builder R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.52<br> \* | 13.59 | 4.96 |  |
| 06-4GJ | Multisector Bond | **JPMorgan Income R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.39<br> \* | 7.64 | 3.36 | 4.68 |
| 06-3GJ | Large Cap Growth | **JPMorgan Large Cap Growth R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.44<br> \* | 14.40 | 12.97 | 18.56 |
| 06-3GF | Large Cap Value | **JPMorgan Large Cap Value R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.44<br> \* | 15.95 | 13.24 | 12.46 |
| 06-FYH | Mid Cap Growth | **JPMorgan Mid Cap Growth R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.65<br> \* | 8.78 | 4.50 | 12.35 |
| 06-FYK | Mid Cap Value | **JPMorgan Mid Cap Value R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.60<br> \* | 5.09 | 9.89 |  |
| 06-4MR | Small Cap Blend | **JPMorgan Small Cap Equity I: Class Inst**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.99<br> \* | -2.64 | 3.13 | 8.60 |
| 06-3JM | Small Cap Growth | **JPMorgan Small Cap Growth R6: Class Retirement\*\*\***<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.74<br> \* | 6.60 | -2.43 | 11.10 |
| 06-44Y | Small Cap Value | **JPMorgan Small Cap Value R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.74<br> \* | 12.41 | 9.93 | 9.01 |
| 06-46T | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> 2025 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.35<br> \* | 12.69 | 5.04 | 6.98 |
| 06-46V | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> 2030 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.35<br> \* | 14.45 | 6.19 | 7.96 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-46W | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> 2035 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.39<br> \* | 15.73 | 7.58 | 9.02 |
| 06-46X | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> 2040 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.39<br> \* | 16.86 | 8.48 | 9.77 |
| 06-46Y | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> 2045 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.39<br> \* | 17.63 | 9.21 | 10.23 |
| 06-47C | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> 2050 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.39<br> \* | 18.19 | 9.45 | 10.34 |
| 06-47F | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> 2055 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.39<br> \* | 18.18 | 9.45 | 10.35 |
| 06-47G | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> 2060 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.39<br> \* | 18.15 | 9.46 |  |
| 06-6RC | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> 2065 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.40<br> \* | 18.09 |  |  |
| 06-GGP | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2025 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.17<br> \* | 13.55 | 5.34 | 7.15 |
| 06-GGR | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2030 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.17<br> \* | 15.63 | 6.59 | 8.20 |
| 06-GGT | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2035 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.17<br> \* | 17.39 | 7.91 | 9.17 |
| 06-GGV | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2040 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.17<br> \* | 18.77 | 8.88 | 9.93 |
| 06-GGW | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2045 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.17<br> \* | 19.70 | 9.65 | 10.38 |
| 06-GGX | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2050 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.17<br> \* | 20.41 | 9.92 | 10.55 |
| 06-GGY | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2055 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.17<br> \* | 20.37 | 9.93 | 10.53 |
| 06-GHC | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2060 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.17<br> \* | 20.45 | 9.97 |  |
| 06-6R9 | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2065 R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.17<br> \* | 20.04 |  |  |
| 06-GHF | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend Inc R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.17<br> \* | 13.19 | 4.72 | 5.90 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-47H | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Income R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.34<br> \* | 12.40 | 4.50 | 5.78 |
| 06-4TC | Large Cap Blend | **JPMorgan US Equity R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.44<br> \* | 14.74 | 13.69 | 15.00 |
| 06-6XT | Large Cap Blend | **JPMorgan US Research Enhanced Equity R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.25<br> \* | 16.67 | 14.86 | 14.90 |
| 06-FYN | Small Cap Blend | **JPMorgan US Small Company R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.72 | 10.33 | 7.67 | 9.27 |
| 06-GJJ | Large Cap Value | **JPMorgan Value Advantage R6: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.50<br> \* | 9.85 | 11.91 |  |
| 06-FRN | Intermediate Term Bond | **Knights of Columbus Core Bond I: Class Inst**<br> Investment Adviser: Knights of Columbus Asset Advisors LLC | 0.50<br> \* | 6.93 | -0.59 | 2.03 |
| 06-FRP | Foreign Blend | **Knights of Columbus International Eq I: Class Inst**<br> Investment Adviser: Knights of Columbus Asset Advisors LLC | 1.10<br> \* | 28.68 | 7.21 | 8.79 |
| 06-FRV | Small Cap Blend | **Knights of Columbus Small Cap I: Class Inst**<br> Investment Adviser: Knights of Columbus Asset Advisors LLC | 0.90 | 11.49 | 8.02 | 8.85 |
| 06-FRR | Large Cap Growth | **Knights of Columbus Large Cap Growth I: Class Inst**<br> Investment Adviser: Knights of Columbus Asset Advisors LLC | 0.76 | 20.21 | 11.67 | 14.17 |
| 06-FRT | Large Cap Value | **Knights of Columbus Large Cap Value I: Class Inst**<br> Investment Adviser: Knights of Columbus Asset Advisors LLC | 0.76 | 17.11 | 13.70 | 11.39 |
| 06-4YN | Diversified Emerging Markets | **Lazard Developing Markets Equity Instl: Class Inst**<br> Investment Adviser: Lazard Asset Management LLC | 1.10<br> \* | 33.66 | 1.69 | 7.91 |
| 06-3XN | Multisector Bond | **Loomis Sayles Income N: Class N**<br> Investment Adviser: Loomis, Sayles & Company LP | 0.59<br> \* | 9.21 | 2.64 | 3.99 |
| 06-3JG | Small Cap Growth | **Loomis Sayles Small Cap Growth N: Class N**<br> Investment Adviser: Loomis, Sayles & Company LP | 0.82 | 3.75 | 2.62 | 10.10 |
| 06-3WF | Large Cap Value | **Lord Abbett Affiliated R6: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.39 | 16.10 | 11.73 | 10.69 |
| 06-4F6 | Multisector Bond | **Lord Abbett Bond Debenture R6: Class Retirement**<br> Investment Adviser: Lord Abbett | 0.62 | 8.88 | 2.50 | 5.14 |
| 06-CYJ | Small Cap Growth | **Lord Abbett Developing Growth R6: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.60 | 14.77 | -0.86 | 11.41 |
| 06-4XK | Small Cap Value | **Lord Abbett Focused Small Cap Value R6: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.99<br> \* | 0.29 | 6.47 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CYK | High Yield Bond | **Lord Abbett High Yield R6: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.63 | 7.55 | 3.62 | 5.69 |
| 06-3WG | Intermediate Term Bond | **Lord Abbett Income R6: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.45 | 8.56 | 1.10 | 3.98 |
| 06-36G | Foreign Small/Mid Eqty | **Lord Abbett International Opp R6: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.92 | 24.35 | 4.80 | 6.12 |
| 06-4GK | Mid Cap Value | **Lord Abbett Mid Cap Stock R6: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.67 | 7.61 | 10.69 | 8.58 |
| 06-73H | Short Term Bond | **Lord Abbett Short Duration Income R6: Class Retirement\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 0.32 | 6.26 | 2.72 | 3.08 |
| 06-3RJ | Intermediate Term Bond | **Lord Abbett Total Return R6: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.36 | 7.56 | 0.39 | 2.56 |
| 06-FYP | Mid Cap Blend | **Lord Abbett Value Opportunities R6: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.84 | 0.92 | 6.16 | 8.17 |
| 06-CXY | Balanced | **Nomura Balanced Fund Class R6: Class Retirement**<br> Investment Adviser: Delaware Management Company | 0.65<br> \* | 12.11 | 8.30 | 8.83 |
| 06-3YK | Diversified Emerging Markets | **Nomura Emerging Markets R6: Class Retirement**<br> Investment Adviser: Delaware Management Company <br>Investment Subadviser: Macquarie Investment Management <br>Global Limited | 1.06<br> \* | 87.21 | 10.47 |  |
| 06-GMF | High Yield Bond | **Nomura High Income Fund Class R6: Class Retirement**<br> Investment Adviser: Delaware Management Company | 0.54<br> \* | 6.20 | 3.89 | 5.89 |
| 06-3VY | Mid Cap Growth | **Nomura Mid Cap Growth R6: Class Retirement**<br> Investment Adviser: Delaware Management Company | 0.68<br> \* | 1.24 | 0.32 | 11.07 |
| 06-GMG | Specialty | **Nomura Science and Technology R6: Class Retirement**<br> Investment Adviser: Delaware Management Company | 0.84<br> \* | 34.22 | 14.42 | 18.00 |
| 06-3CN | Small Cap Value | **Nomura Small Cap Value R6: Class Retirement**<br> Investment Adviser: Delaware Management Company | 0.70 | 8.10 | 9.31 |  |
| 06-3GP | Small Cap Blend | **Nomura Small Cap Core R6: Class Retirement**<br> Investment Adviser: Delaware Management Company <br>Investment Subadviser: Macquarie Investment Management <br>Global Limited | 0.68 | 4.73 | 6.50 |  |
| 06-FNR | Small Cap Blend | **Nomura Smid Cap Core R6: Class Retirement**<br> Investment Adviser: Delaware Management Company | 0.77<br> \* | 9.07 | 8.72 | 10.41 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3XY | Diversified Emerging Markets | **Nomura Systematic Emerging Markets Eq R6: Class Retirement**<br> Investment Adviser: Delaware Management Company | 0.64<br> \* | 27.13 | 1.33 | 8.60 |
| 06-7FG | Intermediate Term Bond | **MML Barings Core Bond I: Class Inst**<br> Investment Adviser: MML Investment Advisers, LLC<br>Investment Subadviser: Barings LLC | 0.33<br> \* | 8.13 | 0.46 | 2.72 |
| 06-4TW | Small Cap Growth | **MassMutual Small Cap Gr Eq I: Class Inst**<br> Investment Adviser: MML Investment Advisers, LLC <br>Investment Subadviser: Wellington Management Company LLP;Invesco <br>Advisers, Inc.; | 0.88 | 11.42 | 4.30 | 11.73 |
| 06-47P | Intermediate Term Bond | **TCW MetWest Total Return Bd Plan: Class Other**<br> Investment Adviser: Metropolitan West Asset Management, LLC. | 0.37 | 7.86 | -0.48 | 2.17 |
| 06-3W7 | Large Cap Blend | **MFS Core Equity R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.55<br> \* | 12.76 | 11.79 | 13.99 |
| 06-CYM | Emerging Market Bond | **MFS Emerging Markets Debt R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.71<br> \* | 12.65 | 2.15 | 4.61 |
| 06-4TK | World Bond | **MFS Global Opportunistic Bd R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.61<br> \* | 5.96 | 0.49 | 2.99 |
| 06-4FM | Specialty | **MFS Global Real Estate R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.84<br> \* | 3.67 | 1.26 | 4.89 |
| 06-CYN | Large Cap Growth | **MFS Growth R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.49<br> \* | 12.41 | 11.48 | 15.73 |
| 06-3MF | Foreign Blend | **MFS Intl Diversification R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.73<br> \* | 27.96 | 6.88 |  |
| 06-6W7 | Foreign Blend | **MFS International Equity R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.64<br> \* | 23.23 | 8.43 | 9.39 |
| 06-49X | Foreign Growth | **MFS International Growth R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.69<br> \* | 21.23 | 7.24 | 10.03 |
| 06-CYR | Foreign Blend | **MFS International Intrinsic Value R6: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 0.66<br> \* | 33.29 | 7.60 | 10.24 |
| 06-CYP | Foreign Small/Mid Eqty | **MFS International New Discovery R6: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 0.91<br> \* | 17.05 | 2.77 | 6.36 |
| 06-CYT | Large Cap Growth | **MFS Massachusetts Inv Gr Stk R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.37 | 10.23 | 10.46 | 14.70 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GNF | Mid Cap Growth | **MFS Mid Cap Growth R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.65<br> \* | 3.81 | 3.46 | 11.52 |
| 06-CYV | Mid Cap Value | **MFS Mid Cap Value R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.61<br> \* | 6.49 | 10.43 | 10.15 |
| 06-CYW | Specialty | **MFS Technology R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.77<br> \* | 16.47 | 12.40 | 18.60 |
| 06-3TH | Intermediate Term Bond | **MFS Total Return Bond R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.36<br> \* | 7.32 | 0.23 | 2.67 |
| 06-3JR | Balanced | **MFS Total Return R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.40 | 11.40 | 6.63 | 7.83 |
| 06-39X | Specialty | **MFS Utilities R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.66<br> \* | 15.23 | 7.78 | 9.70 |
| 06-CYX | Large Cap Value | **MFS Value R6: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.44<br> \* | 13.27 | 10.20 | 10.33 |
| 06-47R | Mid Cap Growth | **Nationwide Geneva Mid Cap Gr R6: Class Retirement**<br> Investment Adviser: Nationwide Fund Advisors<br>Investment Subadviser: Geneva Capital Management, LLC | 0.75 | -2.08 | 3.63 | 9.73 |
| 06-47T | Small Cap Growth | **Nationwide Geneva Small Cap Gr R6: Class Retirement**<br> Investment Adviser: Nationwide Fund Advisors<br>Investment Subadviser: Geneva Capital Management, LLC | 0.83 | -8.24 | 1.17 | 9.30 |
| 06-4MT | Specialty | **Nationwide NYSE Arca Tech 100 Idx R6: Class Retirement**<br> Investment Adviser: Nationwide Fund Advisors<br>Investment Subadviser: Mellon Investments Corporation | 0.29 | 20.29 | 13.72 | 16.82 |
| 06-6YM | Small Cap Growth | **Needham Aggressive Growth Institutional: Class Inst**<br> Investment Adviser: Needham Investment Management, LLC | 1.20<br> \* | 27.09 | 15.33 |  |
| 06-4FW | High Yield Bond | **Neuberger High Income Bond R6: Class Retirement**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 0.61 | 8.78 | 3.96 | 5.68 |
| 06-47J | Small Cap Blend | **Neuberger Intrinsic Value R6: Class Retirement**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 0.86 | 18.38 | 8.03 |  |
| 06-4XP | Large Cap Value | **Neuberger Large Cap Value R6: Class Retirement**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 0.50 | 20.97 | 11.00 |  |
| 06-3XP | Small Cap Growth | **Neuberger Small Cap Growth R6: Class Retirement**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 0.81<br> \* | 10.15 | 3.96 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-64R | Multisector Bond | **Neuberger Strategic Income R6: Class Retirement**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 0.50 | 9.52 | 3.37 | 4.60 |
| 06-3R7 | Large Cap Blend | **Neuberger Quality Equity R6: Class Retirement**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 0.59 | 17.69 | 14.19 | 13.78 |
| 06-49V | Large Cap Blend | **Northern US Quality ESG K: Class Other**<br> Investment Adviser: Northern Trust Investments Inc | 0.39<br> \* | 15.21 | 13.18 |  |
| 06-FGV | Intermediate Term Bond | **Nuveen Bond Index R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.07 | 7.11 | -0.45 | 1.89 |
| 06-FGW | Large Cap Blend | **Nuveen Core Equity R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.40 | 14.11 | 13.80 | 14.12 |
| 06-GCW | Intermediate Term Bond | **Nuveen Core Impact Bond R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35 | 7.50 | -0.10 | 2.32 |
| 06-3F4 | Intermediate Term Bond | **Nuveen Core Plus Bond R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.30 | 7.34 | 0.47 | 2.84 |
| 06-FGX | Foreign Blend | **Nuveen International Eq Idx R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.05 | 31.58 | 9.02 | 8.36 |
| 06-6H3 | Foreign Growth | **Nuveen International Opps R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.60 | 20.39 | 1.78 | 7.68 |
| 06-GCY | Foreign Blend | **Nuveen International Res Eq R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.34 | 28.59 | 8.58 | 8.33 |
| 06-FGY | Large Cap Growth | **Nuveen Large Cap Gr Idx R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.05 | 18.50 | 15.26 | 18.06 |
| 06-GCX | Large Cap Blend | **Nuveen Large Cap Responsible Eq R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.17 | 16.61 | 11.93 | 13.68 |
| 06-FHC | Large Cap Value | **Nuveen Large Cap Value Idx R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.05 | 15.84 | 11.27 | 10.48 |
| 06-36J | Mgd Asset Allocation | **Nuveen Lifecycle 2010 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.36<br> \* | 11.42 | 4.49 | 6.29 |
| 06-36K | Mgd Asset Allocation | **Nuveen Lifecycle 2015 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.37<br> \* | 11.68 | 4.67 | 6.60 |
| 06-36M | Mgd Asset Allocation | **Nuveen Lifecycle 2020 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.39<br> \* | 12.41 | 5.06 | 7.07 |
| 06-36N | Mgd Asset Allocation | **Nuveen Lifecycle 2025 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.39<br> \* | 13.00 | 5.59 | 7.69 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-36P | Mgd Asset Allocation | **Nuveen Lifecycle 2030 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.40<br> \* | 14.18 | 6.35 | 8.43 |
| 06-36R | Mgd Asset Allocation | **Nuveen Lifecycle 2035 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.41<br> \* | 15.30 | 7.19 | 9.18 |
| 06-36T | Mgd Asset Allocation | **Nuveen Lifecycle 2040 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.42<br> \* | 17.02 | 8.28 | 10.05 |
| 06-36V | Mgd Asset Allocation | **Nuveen Lifecycle 2045 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.43<br> \* | 18.13 | 9.01 | 10.63 |
| 06-36W | Mgd Asset Allocation | **Nuveen Lifecycle 2050 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.44<br> \* | 18.74 | 9.33 | 10.84 |
| 06-37C | Mgd Asset Allocation | **Nuveen Lifecycle 2055 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.45<br> \* | 18.88 | 9.44 | 10.95 |
| 06-36Y | Mgd Asset Allocation | **Nuveen Lifecycle 2060 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.45<br> \* | 19.08 | 9.55 | 11.06 |
| 06-64H | Mgd Asset Allocation | **Nuveen Lifecycle 2065 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.45<br> \* | 19.19 | 9.71 |  |
| 06-FHF | Mgd Asset Allocation | **Nuveen Lifecycle Index 2010 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 12.08 | 4.47 | 6.28 |
| 06-FHG | Mgd Asset Allocation | **Nuveen Lifecycle Index 2015 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 12.91 | 4.95 | 6.78 |
| 06-FHH | Mgd Asset Allocation | **Nuveen Lifecycle Index 2020 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 13.73 | 5.42 | 7.31 |
| 06-FHJ | Mgd Asset Allocation | **Nuveen Lifecycle Index 2025 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 14.49 | 6.02 | 8.01 |
| 06-FHK | Mgd Asset Allocation | **Nuveen Lifecycle Index 2030 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 15.74 | 6.84 | 8.80 |
| 06-FHM | Mgd Asset Allocation | **Nuveen Lifecycle Index 2035 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 17.00 | 7.77 | 9.63 |
| 06-FHN | Mgd Asset Allocation | **Nuveen Lifecycle Index 2040 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 18.83 | 8.97 | 10.58 |
| 06-FHP | Mgd Asset Allocation | **Nuveen Lifecycle Index 2045 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 20.11 | 9.80 | 11.22 |
| 06-FHR | Mgd Asset Allocation | **Nuveen Lifecycle Index 2050 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 20.72 | 10.13 | 11.46 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-FHT | Mgd Asset Allocation | **Nuveen Lifecycle Index 2055 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 20.93 | 10.27 | 11.59 |
| 06-FHV | Mgd Asset Allocation | **Nuveen Lifecycle Index 2060 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 21.08 | 10.41 | 11.72 |
| 06-4XR | Mgd Asset Allocation | **Nuveen Lifecycle Index 2065 R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 21.22 | 10.59 |  |
| 06-FHW | Mgd Asset Allocation | **Nuveen Lifecycle Index Ret Inc R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.10<br> \* | 12.93 | 4.79 | 6.37 |
| 06-36X | Mgd Asset Allocation | **Nuveen Lifecycle Retire Income R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.37<br> \* | 11.78 | 4.55 | 6.23 |
| 06-3CK | Balanced | **Nuveen Lifestyle Aggressive Gr R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.66<br> \* | 19.97 | 9.91 | 11.41 |
| 06-3CG | Balanced | **Nuveen Lifestyle Conservative R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.50<br> \* | 11.99 | 4.69 | 6.29 |
| 06-3CJ | Balanced | **Nuveen Lifestyle Growth R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.61<br> \* | 17.37 | 8.05 | 9.77 |
| 06-3CF | Balanced | **Nuveen Lifestyle Income R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.44<br> \* | 9.19 | 3.19 | 4.47 |
| 06-3CH | Balanced | **Nuveen Lifestyle Moderate R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.56<br> \* | 14.81 | 6.14 | 8.08 |
| 06-3KX | Mid Cap Growth | **Nuveen Small/Mid Cap Growth Opp R6: Class Retirement**<br> Investment Adviser: Nuveen Fund Advisors, LLC.<br>Investment Subadviser: Nuveen Asset Management, LLC | 0.80<br> \* | 7.98 | 1.59 | 9.41 |
| 06-3JK | Mid Cap Value | **Nuveen Mid Cap Value Opportunities R6: Class Retirement**<br> Investment Adviser: Nuveen Fund Advisors, LLC.<br>Investment Subadviser: Nuveen Asset Management, LLC | 0.75<br> \* | 10.10 | 11.46 |  |
| 06-76F | Mid Cap Value | **Nuveen Mid Cap Value R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.46 | 10.22 | 10.75 | 8.55 |
| 06-73G | Small Cap Blend | **Nuveen Quant Small Cap Equity R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.41 | 16.48 | 11.20 | 11.18 |
| 06-3MH | Specialty | **Nuveen Real Estate Sec Sel R6: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.50 | 2.09 | 3.69 | 6.00 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-FYR | Specialty | **Nuveen Real Estate Securities R6: Class Retirement**<br> Investment Adviser: Nuveen Fund Advisors, LLC.<br>Investment Subadviser: Nuveen Asset Management, LLC | 0.78<br> \* | 2.75 | 5.39 | 5.12 |
| 06-FYT | Small Cap Value | **Nuveen Small Cap Value R6: Class Retirement**<br> Investment Adviser: Nuveen Fund Advisors, LLC.<br>Investment Subadviser: Nuveen Asset Management, LLC | 0.79<br> \* | 3.38 | 9.63 |  |
| 06-3HY | Large Cap Growth | **NYLI Winslow Large Cap Growth Class R6: Class Retirement**<br> Investment Adviser: New York Life Investment Management LLC<br>Investment Subadviser: Winslow Capital Management, LLC | 0.62<br> \* | 14.72 | 12.86 | 16.32 |
| 06-6NH | Large Cap Value | **NYLI WMC Value Class R6: Class Retirement**<br> Investment Adviser: New York Life Investment Management LLC<br>Investment Subadviser: Wellington Management Company LLP | 0.70 | 14.72 |  |  |
| 06-3XM | Balanced | **Oakmark Equity and Income Institutional: Class Inst**<br> Investment Adviser: Harris Associates L.P. | 0.59 | 11.37 | 8.72 |  |
| 06-74G | Foreign Small/Mid Eqty | **Oakmark International Small Cap Instl: Class Inst**<br> Investment Adviser: Harris Associates L.P. | 1.08 | 29.76 | 9.14 |  |
| 06-73X | Large Cap Value | **Oakmark R6: Class Retirement**<br> Investment Adviser: Harris Associates L.P. | 0.61 | 14.43 | 15.35 |  |
| 06-47V | Diversified Emerging Markets | **Parametric Emerging Markets R6: Class Retirement**<br> Investment Adviser: Eaton Vance Management<br>Investment Subadviser: Parametric Portfolio Associates LLC | 1.17<br> \* | 27.51 | 6.63 | 7.03 |
| 06-6XW | Intermediate Term Bond | **PGIM Absolute Return Bond R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income | 0.63<br> \* | 5.29 | 4.40 | 4.23 |
| 06-FCX | Specialty | **PGIM Global Real Estate R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Real Estate;PGIM Real Estate (UK) Limited; | 0.81 | 9.37 | 3.53 | 4.34 |
| 06-3XW | World Bond | **PGIM Global Total Return R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income | 0.54 | 11.13 | -2.01 | 2.52 |
| 06-FCY | High Yield Bond | **PGIM High Yield R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income;PGIM Limited; | 0.38 | 9.14 | 4.60 | 6.59 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GNJ | Large Cap Growth | **PGIM Jennison Focused Growth R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.67<br> \* | 16.30 | 8.17 | 16.10 |
| 06-4R9 | World Stock | **PGIM Jennison Global Opportunities R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.82 | 5.41 | 3.56 | 13.77 |
| 06-4Y6 | Large Cap Growth | **PGIM Jennison Growth R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.57 | 14.95 | 10.78 |  |
| 06-FFC | Specialty | **PGIM Jennison Health Sciences R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.80 | 19.68 | 7.07 |  |
| 06-6WK | Foreign Growth | **PGIM Jennison International Opps R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.84 | 14.59 | 1.06 | 10.36 |
| 06-FFF | Mid Cap Growth | **PGIM Jennison Mid-Cap Growth R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.60 | -2.29 | 2.45 | 10.11 |
| 06-FFG | Specialty | **PGIM Jennison Natural Resources R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.82 | 39.21 | 17.23 | 11.57 |
| 06-GJN | Small Cap Growth | **PGIM Jennison Small Company R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.69 | 7.39 | 7.70 | 10.97 |
| 06-GCF | Mid Cap Value | **PGIM Quant Solutions Mid-Cap Val R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM LLC | 0.73<br> \* | 13.22 | 11.65 | 7.99 |
| 06-GJP | Small Cap Value | **PGIM Quant Solutions Small-Cap Val R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM LLC | 0.68<br> \* | 13.81 | 12.04 | 8.97 |
| 06-6PV | High Yield Bond | **PGIM Short Duration High Yield Income R6: Class Retirement\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income | 0.70<br> \* | 7.86 | 5.19 | 5.53 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-44K | Mgd Asset Allocation | **PGIM Target Date 2020 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 11.23 | 5.32 |  |
| 06-44M | Mgd Asset Allocation | **PGIM Target Date 2025 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 11.89 | 5.95 |  |
| 06-44N | Mgd Asset Allocation | **PGIM Target Date 2030 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 12.71 | 6.76 |  |
| 06-44P | Mgd Asset Allocation | **PGIM Target Date 2035 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 14.62 | 7.98 |  |
| 06-44R | Mgd Asset Allocation | **PGIM Target Date 2040 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 16.39 | 8.97 |  |
| 06-44T | Mgd Asset Allocation | **PGIM Target Date 2045 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 17.69 | 9.54 |  |
| 06-44V | Mgd Asset Allocation | **PGIM Target Date 2050 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 18.67 | 10.06 |  |
| 06-44W | Mgd Asset Allocation | **PGIM Target Date 2055 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 19.63 | 10.38 |  |
| 06-44X | Mgd Asset Allocation | **PGIM Target Date 2060 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 19.92 | 10.47 |  |
| 06-7C4 | Mgd Asset Allocation | **PGIM Target Date 2065 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 20.15 | 10.66 |  |
| 06-7C6 | Mgd Asset Allocation | **PGIM Target Date 2070 R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 20.11 |  |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-44G | Mgd Asset Allocation | **PGIM Target Date Income R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM DC Solutions LLC | 0.25<br> \* | 10.52 | 4.46 |  |
| 06-FFH | Intermediate Term Bond | **PGIM Total Return Bond R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income | 0.39<br> \* | 7.79 | 0.15 | 3.01 |
| 06-79Y | Specialty | **PGIM US Real Estate R6: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Real Estate;PGIM Real Estate (UK) Limited; | 1.01 | 2.55 | 7.69 | 0.00 |
| 06-3FC | Balanced | **PIMCO All Asset Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC<br>Investment Subadviser: Research Affiliates LLC | 1.84<br> \* | 14.66 | 5.79 | 7.06 |
| 06-GNG | Specialty | **PIMCO Commodity Real Ret Strat Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.90<br> \* | 19.27 | 10.94 | 6.79 |
| 06-6NP | Specialty | **PIMCO CommoditiesPLUS<sup>®</sup> Strategy Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.82<br> \* | 6.63 | 15.31 | 9.89 |
| 06-4YF | Specialty | **PIMCO Extended Duration Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 6.80 | 3.00 | -11.99 | -1.41 |
| 06-4CM | World Bond | **PIMCO Global Bond Opps (USD-Hdg) Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.61 | 9.29 | 2.95 | 3.86 |
| 06-49W | Int Government Bond | **PIMCO GNMA and Government Secs Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 1.89 | 8.64 | 0.33 | 1.84 |
| 06-FCJ | High Yield Bond | **PIMCO High Yield Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.62<br> \* | 8.57 | 3.94 | 5.62 |
| 06-FCK | Multisector Bond | **PIMCO Income Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.54 | 11.04 | 3.89 | 5.09 |
| 06-6FR | Specialty | **PIMCO International Bond (Unhedged)Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.71 | 10.89 | -2.51 | 1.62 |
| 06-3MJ | World Bond | **PIMCO International Bond (USD-Hdg) Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.57 | 4.31 | 1.36 | 3.32 |
| 06-GNH | Intermediate Term Bond | **PIMCO Investment Grade Credit Bond Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.95 | 8.50 | 0.23 | 3.51 |
| 06-4Y7 | Specialty | **PIMCO Long Duration Total Return Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 3.89 | 8.76 | -3.98 | 2.84 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4Y9 | Specialty | **PIMCO Long-Term Credit Bond Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 1.24 | 8.54 | -2.68 | 3.92 |
| 06-4YC | Specialty | **PIMCO Long-Term US Government Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 3.66 | 6.43 | -6.78 | 0.19 |
| 06-4R7 | Short Term Bond | **PIMCO Low Duration Instl: Class Inst\*\***<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.48 | 5.56 | 1.88 | 2.15 |
| 06-4YH | Intermediate Term Bond | **PIMCO Moderate Duration Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.95 | 8.68 | 1.46 | 2.76 |
| 06-6JG | Small Cap Value | **PIMCO RAE US Small Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC<br>Investment Subadviser: Research Affiliates LLC | 0.50 | 6.29 | 15.83 | 12.64 |
| 06-FCM | Inflation-Protec Bond | **PIMCO Real Return Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.55 | 8.17 | 1.40 | 3.39 |
| 06-49G | Mgd Asset Allocation | **PIMCO RealPath Blend 2030 Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.72<br> \* | 15.13 | 5.74 | 8.34 |
| 06-49H | Mgd Asset Allocation | **PIMCO RealPath Blend 2035 Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.54<br> \* | 16.91 | 7.37 | 9.31 |
| 06-49J | Mgd Asset Allocation | **PIMCO RealPath Blend 2040 Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.39<br> \* | 18.34 | 8.51 | 9.97 |
| 06-49K | Mgd Asset Allocation | **PIMCO RealPath Blend 2045 Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.29<br> \* | 19.81 | 9.40 | 10.50 |
| 06-49M | Mgd Asset Allocation | **PIMCO RealPath Blend 2050 Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.21<br> \* | 20.61 | 9.96 | 10.80 |
| 06-49N | Mgd Asset Allocation | **PIMCO RealPath Blend 2055 Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.16<br> \* | 20.99 | 10.29 | 10.90 |
| 06-6FF | Mgd Asset Allocation | **PIMCO RealPath Blend 2060 Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.15<br> \* | 20.95 | 10.51 |  |
| 06-6RV | Mgd Asset Allocation | **PIMCO Realpath Blend 2065 Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.15<br> \* | 21.05 |  |  |
| 06-7C7 | Mgd Asset Allocation | **PIMCO Realpath Blend 2070 Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.16<br> \* | 20.75 |  |  |
| 06-49P | Mgd Asset Allocation | **PIMCO RealPath Blend Inc Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.82<br> \* | 13.57 | 4.05 | 6.66 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4K3 | Large Cap Blend | **PIMCO StocksPLUS<sup>®</sup> Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.79 | 18.07 | 13.49 | 14.42 |
| 06-3WR | Foreign Blend | **PIMCO StocksPLUS<sup>®</sup> Intl (USD-Hedged) Inst: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.97 | 25.35 | 13.44 | 11.22 |
| 06-4YG | Balanced | **PIMCO StocksPLUS<sup>®</sup> Long Duration Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 3.65 | 20.33 | 4.88 | 14.27 |
| 06-4K4 | Small Cap Blend | **PIMCO StocksPLUS<sup>®</sup> Small Institutional: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.98 | 14.92 | 5.63 | 9.94 |
| 06-6YY | Intermediate Term Bond | **PIMCO Total Return II Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 1.62 | 8.24 | -0.02 | 2.50 |
| 06-FCN | Intermediate Term Bond | **PIMCO Total Return Instl: Class Inst**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.53 | 9.33 | 0.31 | 2.56 |
| 06-4XN | Large Cap Growth | **Principal Blue Chip R6: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC | 0.57<br> \* | 9.23 | 10.06 |  |
| 06-3JP | Specialty | **Principal Global Real Estate Sec R6: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC<br>Investment Subadviser: Principal Real Estate Investors LLC | 0.90 | 7.61 | 1.70 | 3.80 |
| 06-3JJ | Intermediate Term Bond | **Principal Core Fixed Income R6: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC | 0.33 | 7.13 | -0.23 | 2.57 |
| 06-3JH | Large Cap Growth | **Principal LargeCap Growth I R6: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC<br>Investment Subadviser: Brown Advisory LLC;T. Rowe Price Associates, Inc.; | 0.59<br> \* | 11.48 | 9.54 | 15.04 |
| 06-6H4 | Mid Cap Growth | **Principal MidCap R6: Class Retirement\*\*\***<br> Investment Adviser: Principal Global Investors LLC | 0.59 | 1.65 | 8.20 |  |
| 06-3RN | Mid Cap Blend | **Principal MidCap S&P 400 Index R6: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC | 0.16 | 7.31 | 8.92 |  |
| 06-3CP | Specialty | **Principal Real Estate Securities Fd R6: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC<br>Investment Subadviser: Principal Real Estate Investors LLC | 0.81 | 1.25 | 4.85 |  |
| 06-3RP | Small Cap Growth | **Principal SmallCap Growth I R6: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC<br>Investment Subadviser: Emerald Advisers, LLC;Brown Advisory LLC;<br>AllianceBernstein L.P.; | 0.87<br> \* | 12.83 | 2.84 | 11.06 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4TV | Small Cap Blend | **Principal SmallCap S&P 600 Index R6: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC | 0.16 | 5.91 | 7.08 |  |
| 06-6M7 | Small Cap Value | **Principal SmallCap Value II R6: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC<br>Investment Subadviser: Hotchkis & Wiley Capital Management LLC;<br>Vaughan Nelson Investment Management, LP; | 0.88<br> \* | 8.22 | 10.42 | 9.17 |
| 06-6RM | Large Cap Blend | **Putnam Core Equity Fund R6: Class Retirement**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc. | 0.63 | 17.39 | 15.96 |  |
| 06-GNK | Intermediate Term Bond | **Putnam Diversified Income R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Putnam Investment Management, LLC;<br>Franklin Templeton Investment Management; | 0.63 | 9.17 | 1.99 | 3.33 |
| 06-GNN | Balanced | **Putnam Dynamic Asset Allocation Bal R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Putnam Advisory Company, LLC;<br>Franklin Templeton Inv Mgmt Ltd;Putnam Investment Management, LLC; | 0.59 | 15.18 | 8.75 | 8.82 |
| 06-GNT | Balanced | **Putnam Dynamic Asset Allocation Cnsrv R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Putnam Advisory Company, LLC;<br>Franklin Templeton Inv Mgmt Ltd;Putnam Investment Management, LLC; | 0.64 | 11.23 | 4.36 | 5.41 |
| 06-GNX | Balanced | **Putnam Dynamic Asset Allocation Gr R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Franklin Templeton Inv Mgmt Ltd;<br>Putnam Investment Management, LLC;Putnam Advisory Company LLC; | 0.67 | 18.82 | 10.91 | 10.67 |
| 06-64J | Diversified Emerging Markets | **Putnam Emerging Markets Equity R6: Class Retirement**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc.;Putnam Advisory Co LLC;<br>Franklin Templeton Investment Management; | 0.89<br> \* | 33.76 | 4.11 |  |
| 06-6PT | Specialty | **Putnam Global Health Care R6: Class Retirement**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Putnam Advisory Company, LLC;<br>Franklin Advisers, Inc.;Franklin Templeton Investment Management; | 0.70 | 15.57 | 8.04 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GCG | Large Cap Growth | **Putnam Large Cap Growth R6: Class Retirement**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc.;<br>Franklin Templeton Investment Management; | 0.60 | 14.62 | 13.77 | 17.98 |
| 06-36H | Large Cap Value | **Putnam Large Cap Value R6: Class Retirement**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc.;<br>Franklin Templeton Investment Management; | 0.54 | 20.46 | 15.57 | 13.56 |
| 06-6N4 | Small Cap Growth | **Putnam Small Cap Growth R6: Class Retirement\*\*\***<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc.;<br>Franklin Templeton Investment Management; | 0.76 | 9.34 | 6.61 | 13.76 |
| 06-3XC | Mid Cap Growth | **Putnam Sustainable Future R6: Class Retirement**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc. | 0.66 | 2.86 | 1.53 |  |
| 06-3XG | Large Cap Growth | **Putnam Sustainable Leaders R6: Class Retirement**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc.;<br>Franklin Templeton Investment Management; | 0.55 | 11.25 | 10.75 |  |
| 06-GCH | Diversified Emerging Markets | **Russell Inv Emerging Markets R6: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Axiom Investors, LLC;Numeric Investors LLC;<br>Barrow Hanley Mewhinney & Strauss LLC;Sands Capital Management, <br>LLC;Pzena Investment Management, LLC;Oaktree Fund Advisors, LLC; | 1.04<br> \* | 34.20 | 4.31 |  |
| 06-FFM | Specialty | **Russell Inv Global Real Estate Secs R6: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Cohen & Steers Asia Limited;Cohen & Steers <br>UK Limited;DWS Investments Australia Limited;RREEF America L.L.C.;<br>Cohen & Steers Capital Management, Inc.;DWS Alternatives Global Limited; | 0.92<br> \* | 8.56 | 2.45 |  |
| 06-GCJ | Intermediate Term Bond | **Russell Inv Investment Grade Bond R6: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Schroder Investment Management North <br>America Inc.;MetLife Investment Management, LLC; | 0.38<br> \* | 7.48 | -0.68 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GCK | Intermediate Term Bond | **Russell Inv Strategic Bond R6: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: RBC Global Asset Management (U.S.) Inc.;<br>RBC Global Asset Management (UK) Limited;Schroder Investment <br>Management North America Inc.;Allspring Global Investments, LLC; | 0.45<br> \* | 7.63 | -0.82 |  |
| 06-GCM | Small Cap Blend | **Russell Inv US Small Cap Equity R6: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Ancora Advisors LLC;Calamos Advisors LLC;<br>DePrince Race & Zollo Inc;Jacobs Levy Equity Management, Inc.;<br>Lord, Abbett & Co LLC;Ranger Investment Management LP;<br>Penn Capital Management Company LLC;Boston Partners Global <br>Investors, Inc;Copeland Capital Management, LLC; | 0.95<br> \* | 8.91 | 7.32 |  |
| 06-6XX | Large Cap Value | **Smead Value Y: Class Inst**<br> Investment Adviser: Smead Capital Management Inc | 0.80 | 5.45 | 12.65 | 11.32 |
| 06-73C | Balanced | **State Street Balanced Index K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.05<br> \* | 13.23 |  |  |
| 06-3TV | Mgd Asset Allocation | **State Street Target Retirement 2025 K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 13.17 | 5.62 | 8.05 |
| 06-3TW | Mgd Asset Allocation | **State Street Target Retirement 2030 K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 16.15 | 6.46 | 8.96 |
| 06-3VR | Mgd Asset Allocation | **State Street Target Retirement 2035 K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 18.09 | 7.07 | 9.55 |
| 06-3TY | Mgd Asset Allocation | **State Street Target Retirement 2040 K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 19.22 | 7.64 | 10.03 |
| 06-3V3 | Mgd Asset Allocation | **State Street Target Retirement 2045 K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 20.19 | 8.10 | 10.45 |
| 06-3V4 | Mgd Asset Allocation | **State Street Target Retirement 2050 K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 20.93 | 8.49 | 10.69 |
| 06-3V6 | Mgd Asset Allocation | **State Street Target Retirement 2055 K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 21.30 | 8.58 | 10.75 |
| 06-3V7 | Mgd Asset Allocation | **State Street Target Retirement 2060 K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 21.31 | 8.60 | 10.72 |
| 06-64F | Mgd Asset Allocation | **State Street Target Retirement 2065 K: Class Other**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 21.12 | 8.58 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-79X | Mgd Asset Allocation | **State Street Target Retirement 2070 K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 23.78 |  |  |
| 06-3V9 | Mgd Asset Allocation | **State Street Target Retirement K: Class Retirement**<br> Investment Adviser: SSIM Funds Management Inc | 0.09<br> \* | 11.13 | 4.60 | 5.81 |
| 06-6YR | Small Cap Blend | **Steward Values Enhanced SmMidCapR6: Class Retirement**<br> Investment Adviser: Crossmark Global Investments, Inc. | 0.53 | 6.10 | 8.07 |  |
| 06-3CY | Large Cap Growth | **T. Rowe Price All-Cap Opportunities-I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.66 | 16.48 | 12.46 | 17.20 |
| 06-FFN | Large Cap Growth | **T. Rowe Price Blue Chip Growth I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.57 | 18.94 | 11.85 | 15.81 |
| 06-4GM | Balanced | **T. Rowe Price Capital Appreciation I: Class Inst\*\*\***<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Investment Management,Inc. | 0.58<br> \* | 12.61 | 9.60 | 11.39 |
| 06-4GN | Specialty | **T. Rowe Price Comm & Tech I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.67 | 7.16 | 6.16 |  |
| 06-4TR | Mid Cap Growth | **T. Rowe Price Diversified Mid Cap Gr I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.67 | 10.54 | 7.36 |  |
| 06-3W9 | Large Cap Blend | **T. Rowe Price Dividend Growth I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.50 | 14.83 | 11.00 | 12.80 |
| 06-4PK | Diversified Emerging Markets | **T. Rowe Price Emerging Markets Stock I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Hong Kong Limited;<br>T. Rowe Price International Ltd; | 0.98<br> \* | 32.78 | -1.64 | 6.36 |
| 06-FFP | Large Cap Value | **T. Rowe Price Equity Income I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.56 | 14.72 | 11.43 | 10.78 |
| 06-GPC | Specialty | **T. Rowe Price Financial Services I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.78<br> \* | 18.90 | 17.16 |  |
| 06-47W | World Allocation | **T. Rowe Price Global Allocation I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Hong Kong Limited;<br>T. Rowe Price Singapore Private Ltd;T. Rowe Price Japan, Inc;<br>T. Rowe Price International Ltd;T. Rowe Price Australia Limited; | 0.83<br> \* | 15.19 | 6.19 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-64T | World Bond | **T. Rowe Price Global Multi-Sector Bd I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Hong Kong Limited;<br>T. Rowe Price International Ltd; | 0.48<br> \* | 6.54 | 1.22 |  |
| 06-4GP | Specialty | **T. Rowe Price Global Technology I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.78 | 27.48 | 5.43 |  |
| 06-FFR | Large Cap Growth | **T. Rowe Price Growth Stock I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.52 | 15.80 | 9.50 | 14.31 |
| 06-4GC | Specialty | **T. Rowe Price Health Sciences I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.67 | 17.89 | 4.34 |  |
| 06-6YN | Mid Cap Growth | **T. Rowe Price Instl Mid-Cap Equity Gr: Class Inst\*\*\***<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Investment Management,Inc. | 0.61 | 3.79 | 4.03 | 10.22 |
| 06-FFT | Foreign Value | **T. Rowe Price International Value Eq I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price International Ltd | 0.68 | 44.16 | 14.01 | 9.02 |
| 06-6RT | Small Cap Growth | **T. Rowe Price Integrated US Sm Gr Eq I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.65 | 10.32 | 5.56 |  |
| 06-FFV | Mid Cap Growth | **T. Rowe Price Mid-Cap Growth I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Investment Management,Inc. | 0.63 | 3.74 | 4.08 | 10.07 |
| 06-FFW | Mid Cap Value | **T. Rowe Price Mid-Cap Value I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.71 | 6.27 | 11.97 | 11.20 |
| 06-4GR | Specialty | **T. Rowe Price New Era I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.57 | 19.15 | 11.24 | 8.50 |
| 06-3XK | Mid Cap Growth | **T. Rowe Price New Horizons I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.66 | 3.29 | -2.00 | 11.29 |
| 06-3RR | Foreign Blend | **T. Rowe Price Overseas Stock I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price International Ltd | 0.67 | 31.95 | 8.54 | 8.50 |
| 06-GFP | Specialty | **T. Rowe Price Real Estate I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.63<br> \* | 0.21 | 5.28 | 3.60 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-74F | Small Cap Blend | **T. Rowe Price Small-Cap Value I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Investment Management,Inc. | 0.66 | 8.35 | 6.74 | 9.83 |
| 06-4GT | Small Cap Growth | **T. Rowe Price Small-Cap Stock I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Investment Management,Inc. | 0.77 | 8.48 | 5.08 | 11.04 |
| 06-4MP | Balanced | **T. Rowe Price Spectrum Mod Gr Allc I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price International Limited;<br>T. Rowe Price Hong Kong Limited;T. Rowe Price Investment <br>Management,Inc.; | 0.63<br> \* | 17.23 | 7.51 |  |
| 06-4GV | Large Cap Value | **T. Rowe Price Value I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.57<br> \* | 12.30 | 10.88 | 10.90 |
| 06-GCR | Foreign Value | **Templeton Foreign R6: Class Retirement**<br> Investment Adviser: Templeton Global Advisors Limited | 0.74<br> \* | 28.99 | 9.17 | 7.01 |
| 06-FGT | World Bond | **Templeton Global Bond R6: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.59<br> \* | 17.16 | -0.88 | 0.33 |
| 06-4GW | Diversified Emerging Markets | **Thornburg Developing World R6: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 0.94<br> \* | 27.97 | 0.99 | 7.20 |
| 06-GPF | Foreign Blend | **Thornburg International Equity R6: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 0.72<br> \* | 34.41 | 9.45 | 9.43 |
| 06-4GX | Foreign Growth | **Thornburg International Growth R6: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 0.91<br> \* | 10.76 | -0.90 | 5.72 |
| 06-39W | World Allocation | **Thornburg Investment Income Builder R6: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 0.83<br> \* | 37.01 | 15.30 |  |
| 06-GCV | Short Term Bond | **Thornburg Limited Term Income R6: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 0.42<br> \* | 7.08 | 2.00 |  |
| 06-4XJ | Multisector Bond | **Thornburg Strategic Income R6: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 0.53<br> \* | 7.72 | 3.28 |  |
| 06-GPG | Large Cap Blend | **Touchstone Focused Instl: Class Inst**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Fort Washington Investment Advisors Inc | 0.84<br> \* | 16.03 | 12.40 | 12.95 |
| 06-3GK | Large Cap Blend | **Touchstone Large Cap Focused Instl: Class Inst**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Fort Washington Investment Advisors Inc | 0.70<br> \* | 17.90 | 13.13 | 15.01 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GPJ | Mid Cap Growth | **Touchstone Mid Cap Growth Inst: Class Inst\*\*\***<br> Investment Adviser: Touchstone Advisors Inc;Westfield Capital <br>Management Company, L.P.; | 0.87<br> \* | 9.52 | 6.48 | 12.11 |
| 06-4Y4 | Mid Cap Growth | **Touchstone Mid Cap Growth R6: Class Retirement**<br> Investment Adviser: Touchstone Advisors Inc;Westfield Capital <br>Management Company, L.P.; | 0.78<br> \* | 9.60 | 6.58 |  |
| 06-6PW | Mid Cap Blend | **Touchstone Mid Cap R6: Class Retirement**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: London Company of Virginia | 0.81<br> \* | 4.97 |  |  |
| 06-4PF | Small Cap Blend | **Touchstone Small Company R6: Class Retirement**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Fort Washington Investment Advisors Inc | 0.80<br> \* | 9.98 | 9.03 | 11.13 |
| 06-6RX | Mgd Asset Allocation | **T. Rowe Price Retirement 2005 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.34 | 11.45 |  |  |
| 06-6RY | Mgd Asset Allocation | **T. Rowe Price Retirement 2010 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.34 | 11.87 |  |  |
| 06-6T3 | Mgd Asset Allocation | **T. Rowe Price Retirement 2015 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.34 | 12.26 |  |  |
| 06-6T4 | Mgd Asset Allocation | **T. Rowe Price Retirement 2020 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.36 | 12.70 |  |  |
| 06-6T6 | Mgd Asset Allocation | **T. Rowe Price Retirement 2025 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.37 | 13.14 |  |  |
| 06-6T7 | Mgd Asset Allocation | **T. Rowe Price Retirement 2030 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.39 | 14.57 |  |  |
| 06-6T9 | Mgd Asset Allocation | **T. Rowe Price Retirement 2035 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.41 | 16.34 |  |  |
| 06-6TC | Mgd Asset Allocation | **T. Rowe Price Retirement 2040 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.42 | 17.63 |  |  |
| 06-6TF | Mgd Asset Allocation | **T. Rowe Price Retirement 2045 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.43 | 18.68 |  |  |
| 06-6TG | Mgd Asset Allocation | **T. Rowe Price Retirement 2050 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.44 | 19.06 |  |  |
| 06-6TH | Mgd Asset Allocation | **T. Rowe Price Retirement 2055 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.45 | 19.15 |  |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-6TJ | Mgd Asset Allocation | **T. Rowe Price Retirement 2060 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.46 | 19.19 |  |  |
| 06-6TK | Mgd Asset Allocation | **T. Rowe Price Retirement 2065 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.46 | 19.11 |  |  |
| 06-7F7 | Mgd Asset Allocation | **T. Rowe Price Retirement 2070 I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.46 |  |  |  |
| 06-6TM | Balanced | **T. Rowe Price Retirement Balanced ClassI: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.34 | 11.26 |  |  |
| 06-6X9 | Specialty | **T. Rowe Price Science & Tech I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.67 | 24.60 | 13.05 |  |
| 06-4FX | Small Cap Value | **Undiscovered Managers Behavioral Val R6: Class Retirement\*\*\***<br> Investment Adviser: J.P. Morgan Investment Management, Inc.<br>Investment Subadviser: Fuller & Thaler Asset Management Inc | 0.80<br> \* | 1.84 | 11.36 | 9.81 |
| 06-FHY | Large Cap Blend | **Vanguard 500 Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.04 | 17.83 | 14.38 | 14.78 |
| 06-FJC | Balanced | **Vanguard Balanced Index Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.07 | 13.58 | 7.75 | 9.50 |
| 06-4XX | Specialty | **Vanguard Commodity Strategy Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.16 | 18.02 | 12.13 |  |
| 06-4Y3 | Specialty | **Vanguard Consumer Discretionary Idx Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 5.65 | 8.36 | 13.72 |
| 06-4XY | Specialty | **Vanguard Consumer Staples Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 2.11 | 6.47 | 7.69 |
| 06-FJF | Foreign Blend | **Vanguard Developed Markets Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.05 | 35.17 | 9.11 | 8.71 |
| 06-4CY | Large Cap Blend | **Vanguard Dividend Growth Inv: Class Inv**<br> Investment Adviser: Wellington Management Company LLP | 0.22 | 8.30 | 8.67 | 11.08 |
| 06-FJG | Diversified Emerging Markets | **Vanguard Emerging Mkts Stock Idx Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.13 | 24.75 | 4.62 | 8.10 |
| 06-FJH | Specialty | **Vanguard Energy Adm: Class Inst**<br> Investment Adviser: Wellington Management Company LLP | 0.37 | 20.71 | 18.13 | 7.48 |
| 06-6N6 | Specialty | **Vanguard Energy Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 7.24 | 23.81 | 7.95 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-FJJ | Large Cap Value | **Vanguard Equity-Income Adm: Class Inst**<br> Investment Adviser: Wellington Management Company LLP;<br>The Vanguard Group Inc; | 0.17 | 17.22 | 12.82 | 11.73 |
| 06-4PP | Europe Stock | **Vanguard European Stock Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.08 | 35.42 | 10.12 | 8.70 |
| 06-FJK | Small Cap Growth | **Vanguard Explorer Adm: Class Inst**<br> Investment Adviser: ArrowMark Colorado Holdings, LLC (ArrowMark <br>Partners);Wellington Management Company LLP;Stephens Investment <br>Management, LLC;ClearBridge Investments, LLC;The Vanguard Group Inc; | 0.33 | 7.23 | 4.88 | 11.47 |
| 06-FJM | Mid Cap Blend | **Vanguard Extended Market Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.05 | 11.42 | 6.19 | 11.01 |
| 06-4G7 | Specialty | **Vanguard Financials Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 14.90 | 15.21 | 12.98 |
| 06-3CC | Foreign Blend | **Vanguard FTSE All-Wld ex-US Idx Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.08 | 32.32 | 8.05 | 8.62 |
| 06-3WM | Large Cap Blend | **Vanguard FTSE Social Index Admiral: Class Inst**<br> Investment Adviser: The Vanguard Group Inc | 0.11 | 17.24 | 13.50 |  |
| 06-GFM | Int Government Bond | **Vanguard GNMA Adm: Class Inst**<br> Investment Adviser: Wellington Management Company LLP | 0.11 | 7.82 | 0.29 | 1.59 |
| 06-4MV | Large Cap Blend | **Vanguard Growth & Income Adm: Class Inst**<br> Investment Adviser: D.E. Shaw Investment Management LLC;Los Angeles <br>Capital Management LLC;Wellington Management Company LLP; | 0.28 | 19.40 | 15.02 | 14.83 |
| 06-FJN | Large Cap Growth | **Vanguard Growth Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.05 | 19.43 | 14.62 | 17.44 |
| 06-FJP | Specialty | **Vanguard Health Care Adm: Class Inst**<br> Investment Adviser: Wellington Management Company LLP | 0.32 | 17.38 | 6.66 | 7.75 |
| 06-4MW | Specialty | **Vanguard Health Care Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 15.43 | 6.70 | 9.64 |
| 06-4MX | Large Cap Value | **Vanguard High Dividend Yield Index Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.08 | 15.39 | 12.66 |  |
| 06-FJR | High Yield Bond | **Vanguard High-Yield Corporate Adm: Class Inst**<br> Investment Adviser: The Vanguard Group Inc | 0.12 | 9.46 | 4.21 | 5.69 |
| 06-4XW | Specialty | **Vanguard Industrials Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 18.53 | 13.39 | 13.18 |
| 06-GFC | Inflation-Protec Bond | **Vanguard Inflation-Protected Secs Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.10 | 6.87 | 1.03 | 2.98 |

---

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4G9 | Specialty | **Vanguard Information Technology Idx Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 21.78 | 17.12 | 22.56 |
| 06-FJT | Intermediate Term Bond | **Vanguard Interm-Term Bond Index Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.06 | 8.56 | -0.20 | 2.47 |
| 06-FJV | Intermediate Term Bond | **Vanguard Interm-Term Investment-Grde Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 9.64 | 0.95 | 3.27 |
| 06-FJW | Int Government Bond | **Vanguard Interm-Term Treasury Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.10 | 7.63 | -0.04 | 1.82 |
| 06-3F6 | Foreign Growth | **Vanguard International Growth Adm: Class Inst**<br> Investment Adviser: Baillie Gifford Overseas Limited;Schroder <br>Investment Management North America Inc.; | 0.26 | 20.21 | 0.75 | 10.76 |
| 06-4XG | Foreign Value | **Vanguard International Value Inv: Class Inv**<br> Investment Adviser: Sprucegrove Investment Management Ltd;<br>Lazard Asset Management LLC;ARGA Investment Management, LP; | 0.36 | 29.98 | 7.79 | 8.11 |
| 06-64K | Foreign Value | **Vanguard Intl Hi Div Yld Adm: Class Inst\*\*\***<br> Investment Adviser: Vanguard Group Inc | 0.16 | 38.02 | 13.08 |  |
| 06-3C9 | Int Government Bond | **Vanguard Intmdt-Term Trs Idx Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.06 | 7.41 | -0.24 | 1.63 |
| 06-FJX | Balanced | **Vanguard LifeStrategy Cnsrv Gr Inv: Class Inv**<br> Investment Adviser: Vanguard Group Inc | 0.10 | 12.86 | 4.24 | 6.12 |
| 06-FJY | Balanced | **Vanguard LifeStrategy Growth Inv: Class Inv**<br> Investment Adviser: Vanguard Group Inc | 0.10 | 19.63 | 8.76 | 10.03 |
| 06-FKC | Balanced | **Vanguard LifeStrategy Income Inv: Class Inv**<br> Investment Adviser: Vanguard Group Inc | 0.10 | 9.42 | 1.92 | 4.06 |
| 06-FKF | Balanced | **Vanguard LifeStrategy Mod Gr Inv Shrs: Class Inv**<br> Investment Adviser: Vanguard Group Inc | 0.10 | 16.24 | 6.49 | 8.09 |
| 06-GJY | Specialty | **Vanguard Long-Term Investment-Grade Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc;Wellington Management <br>Company LLP; | 0.10 | 7.30 | -3.64 | 2.78 |
| 06-4PT | Specialty | **Vanguard Long-Term Treasury Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.10 | 5.64 | -7.20 | 0.06 |
| 06-FKG | Specialty | **Vanguard Materials Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 12.26 | 7.57 | 10.19 |

---

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-FKH | Mid Cap Growth | **Vanguard Mid Cap Growth Inv: Class Inv**<br> Investment Adviser: Tremblant Advisors LP | 0.34<br> \* | 8.98 | 4.10 | 9.83 |
| 06-FKJ | Mid Cap Blend | **Vanguard Mid Cap Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.05 | 11.67 | 8.60 | 10.91 |
| 06-3YP | Mid Cap Growth | **Vanguard Mid-Cap Growth Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.07 | 10.69 | 6.35 | 11.63 |
| 06-3YN | Mid Cap Value | **Vanguard Mid-Cap Value Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.07 | 12.05 | 10.71 | 9.94 |
| 06-FKK | Specialty | **Vanguard Real Estate Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.13 | 3.19 | 4.64 | 5.14 |
| 06-FKM | Mid Cap Value | **Vanguard Selected Value Inv: Class Inv**<br> Investment Adviser: Cooke & Bieler LP;Donald Smith & Co Inc;Pzena <br>Investment Management LLC (US); | 0.42 | 10.98 | 12.01 | 10.43 |
| 06-4YJ | Short Term Bond | **Vanguard Short-Term Bond Index Adm: Class Inst\*\***<br> Investment Adviser: Vanguard Group Inc | 0.06 | 6.08 | 1.52 | 2.11 |
| 06-3CR | Short Term Gov Bond | **Vanguard Short-Term Federal Adm: Class Inst\*\***<br> Investment Adviser: Vanguard Group Inc | 0.10 | 5.93 | 1.60 | 2.00 |
| 06-4N9 | Short Term Bond | **Vanguard Short-Term Investment-Grade Adm: Class Inst\*\***<br> Investment Adviser: Vanguard Group Inc | 0.09 | 6.85 | 2.28 | 2.83 |
| 06-4PR | Short Term Gov Bond | **Vanguard Short-Term Treasury Adm: Class Inst\*\***<br> Investment Adviser: Vanguard Group Inc | 0.10 | 5.45 | 1.44 | 1.79 |
| 06-FKP | Small Cap Growth | **Vanguard Small Cap Growth Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.07 | 8.44 | 3.03 | 10.25 |
| 06-FKR | Small Cap Blend | **Vanguard Small Cap Index Admiral Shares: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.05 | 8.83 | 7.34 | 10.43 |
| 06-FKN | Small Cap Value | **Vanguard Small Cap Value Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.07 | 9.09 | 10.56 | 10.15 |
| 06-4MY | Mid Cap Blend | **Vanguard Strategic Equity Inv: Class Inv**<br> Investment Adviser: Vanguard Group Inc | 0.17 | 15.37 | 13.21 | 11.88 |
| 06-FKW | Mgd Asset Allocation | **Vanguard Target Retirement 2020 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 12.15 | 4.77 | 6.87 |
| 06-FKX | Mgd Asset Allocation | **Vanguard Target Retirement 2025 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 14.60 | 5.90 | 7.87 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-FKY | Mgd Asset Allocation | **Vanguard Target Retirement 2030 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 16.24 | 6.83 | 8.66 |
| 06-FMC | Mgd Asset Allocation | **Vanguard Target Retirement 2035 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 17.54 | 7.71 | 9.40 |
| 06-FMF | Mgd Asset Allocation | **Vanguard Target Retirement 2040 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 18.76 | 8.57 | 10.13 |
| 06-FMG | Mgd Asset Allocation | **Vanguard Target Retirement 2045 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 19.99 | 9.41 | 10.74 |
| 06-FMH | Mgd Asset Allocation | **Vanguard Target Retirement 2050 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 21.41 | 9.95 | 11.02 |
| 06-FMJ | Mgd Asset Allocation | **Vanguard Target Retirement 2055 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 21.43 | 9.96 | 11.02 |
| 06-FMK | Mgd Asset Allocation | **Vanguard Target Retirement 2060 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 21.42 | 9.96 | 11.02 |
| 06-34V | Mgd Asset Allocation | **Vanguard Target Retirement 2065 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 21.43 | 9.98 |  |
| 06-6MJ | Mgd Asset Allocation | **Vanguard Target Retirement 2070 Fund: Class Inv**<br> Investment Adviser: The Vanguard Group Inc | 0.08 | 21.42 |  |  |
| 06-FMM | Mgd Asset Allocation | **Vanguard Target Retirement Income Fund: Class Inv**<br> Investment Adviser: Vanguard Group, Inc. (via Vanguard Capital <br>Mgmt, VCM) | 0.08 | 11.31 | 3.82 | 5.33 |
| 06-FMN | Intermediate Term Bond | **Vanguard Total Bond Market Index Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.04 | 7.15 | -0.42 | 1.98 |
| 06-FMP | World Bond | **Vanguard Total Intl Bd Idx Admiral<sup>TM</sup>: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.10 | 2.96 | -0.22 | 2.09 |
| 06-FMR | Foreign Blend | **Vanguard Total Intl Stock Index Admiral: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 32.18 | 7.93 | 8.51 |
| 06-FMT | Large Cap Blend | **Vanguard Total Stock Mkt Idx Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.04 | 17.12 | 13.06 | 14.24 |
| 06-FMV | Large Cap Growth | **Vanguard US Growth Admiral<sup>TM</sup>: Class Inst**<br> Investment Adviser: Baillie Gifford Overseas Limited;Wellington <br>Management Company LLP;Jennison Associates LLC; | 0.25 | 15.68 | 8.56 | 15.48 |
| 06-4N7 | Specialty | **Vanguard Utilities Index Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.09 | 16.39 | 9.49 | 10.41 |
| 06-FMW | Large Cap Value | **Vanguard Value Index Adm: Class Inst**<br> Investment Adviser: Vanguard Group Inc | 0.05 | 15.26 | 12.59 | 11.66 |

---

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GCT | Balanced | **Vanguard Wellesley<sup>®</sup> Income Admiral<sup>TM</sup>: Class Inst**<br> Investment Adviser: Wellington Management Company LLP | 0.15 | 11.09 | 4.49 | 6.24 |
| 06-GFF | Balanced | **Vanguard Wellington Admiral: Class Inst**<br> Investment Adviser: Wellington Management Company LLP | 0.17 | 16.57 | 9.37 | 10.10 |
| 06-4V3 | Large Cap Value | **Vanguard Windsor II Admiral: Class Inst**<br> Investment Adviser: Hotchkis and Wiley Capital Mgmt LLC;Harris <br>Associates L.P.;Sanders Capital, LLC;Aristotle Capital Management, LLC; | 0.23 | 18.69 | 12.99 | 12.70 |
| 06-6TP | Foreign Value | **Vanguard International Dividend Gr Inv: Class Inv**<br> Investment Adviser: Wellington Management Company LLP | 0.55 | 18.77 |  |  |
| 06-4NT | Intermediate Term Bond | **Victory Core Plus Intermediate Bond R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.41<br> \* | 7.81 | 1.11 |  |
| 06-3RF | Mid Cap Value | **Victory Integrity Mid-Cap Value R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.60<br> \* | 10.73 | 11.08 | 10.50 |
| 06-3JN | Small Cap Value | **Victory Integrity Small-Cap Value R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.96 | 5.35 | 9.98 | 8.68 |
| 06-4NW | Foreign Blend | **Victory International R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc.<br>Investment Subadviser: Wellington Management Company LLP | 0.85<br> \* | 33.42 | 10.21 |  |
| 06-4NV | Large Cap Growth | **Victory Nasdaq 100 Index R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.29 | 20.71 | 14.97 |  |
| 06-3WW | Balanced | **Victory Pioneer Balanced R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.63 | 19.95 | 8.58 | 9.31 |
| 06-FCR | Large Cap Value | **Victory Pioneer Equity Income R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.68<br> \* | 11.52 | 9.25 | 9.49 |
| 06-FCT | Large Cap Growth | **Victory Pioneer Fundamental Growth R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.65<br> \* | 14.39 | 12.08 | 14.51 |
| 06-6WN | Foreign Blend | **Victory Pioneer International Equ R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.76<br> \* | 43.42 |  |  |
| 06-6FH | Large Cap Blend | **Victory Pioneer R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.64<br> \* | 23.51 | 15.21 |  |
| 06-FCV | Mid Cap Growth | **Victory Pioneer Select Mid Cap Growth R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.67<br> \* | 20.80 | 5.95 | 12.18 |
| 06-FCW | Multisector Bond | **Victory Pioneer Strategic Income R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.59<br> \* | 10.62 | 2.44 | 4.23 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-6WF | World Stock | **Victory RS Global R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.55<br> \* | 17.23 | 12.26 |  |
| 06-33C | Small Cap Growth | **Victory RS Small Cap Growth R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 1.06<br> \* | 1.24 | -5.23 |  |
| 06-FMX | Mid Cap Value | **Victory Sycamore Established Value R6: Class Retirement\*\*\***<br> Investment Adviser: Victory Capital Management Inc. | 0.54 | 2.68 | 9.95 | 10.98 |
| 06-FMY | Small Cap Value | **Victory Sycamore Small Company Opp R6: Class Retirement\*\*\***<br> Investment Adviser: Victory Capital Management Inc. | 0.85 | 1.80 | 7.07 | 9.59 |
| 06-GFH | Foreign Small/Mid Eqty | **Victory Trivalent International Sm-Cp R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 1.02 | 42.05 | 8.14 | 8.95 |
| 06-3RC | Foreign Blend | **Victory Trivalent Intl Fd-Core Eq R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.55<br> \* | 37.34 | 10.30 | 8.89 |
| 06-FFJ | Large Cap Value | **Virtus Ceredex Large-Cap Value Equity R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Ceredex Value Advisors LLC | 0.72<br> \* | 12.38 | 9.23 | 9.91 |
| 06-FFK | Mid Cap Value | **Virtus Ceredex Mid-Cap Value Equity R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Ceredex Value Advisors LLC | 0.79<br> \* | 17.92 | 10.03 | 10.26 |
| 06-4PH | Specialty | **Virtus Duff & Phelps Real Estate Secs R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Duff & PheLPs Investment Management Co | 0.79<br> \* | 0.67 | 6.44 | 6.24 |
| 06-6XV | Mid Cap Growth | **Virtus KAR Mid-Cap Core R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Kayne Anderson Rudnick Investment <br>Management LLC | 0.87<br> \* | 0.82 | 5.58 |  |
| 06-64N | Small Cap Growth | **Virtus KAR Small-Cap Growth R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Kayne Anderson Rudnick Investment <br>Management LLC | 1.01 | -22.64 | -5.67 |  |
| 06-4NN | Mid Cap Value | **Virtus NFJ Mid-Cap Value R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: NFJ Investment Group LLC – Dallas | 0.60<br> \* | 5.78 | 7.22 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CPJ | Small Cap Value | **Virtus NFJ Small-Cap Value R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: NFJ Investment Group LLC – Dallas | 0.77<br> \* | 1.46 | 6.87 | 6.26 |
| 06-47K | Specialty | **Virtus Seix Floating Rate High Inc R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Seix Investment Advisors | 0.54<br> \* | 5.94 | 6.22 | 5.34 |
| 06-3CX | Intermediate Term Bond | **Virtus Seix Total Return Bond R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Seix Investment Advisors | 0.31<br> \* | 7.02 | -0.54 | 2.09 |
| 06-3N4 | Diversified Emerging Markets | **Virtus SGA Emerging Markets Equity R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Sustainable Growth Advisers, LP | 0.98<br> \* | 21.73 | -4.06 | 2.75 |
| 06-3YT | Small Cap Blend | **Virtus Small-Cap R6: Class Retirement**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Virtus Systematic | 0.77<br> \* | 8.56 | 7.70 |  |
| 06-4NR | Intermediate Term Bond | **Voya Intermediate Bond R6: Class Retirement**<br> Investment Adviser: Voya Investments, LLC<br>Investment Subadviser: Voya Investment Management Co. LLC | 0.31 | 7.62 | 0.16 | 2.71 |
| 06-6N7 | Large Cap Value | **Voya Large Cap Value R6: Class Retirement**<br> Investment Adviser: Voya Investments, LLC<br>Investment Subadviser: Voya Investment Management Co. LLC | 0.74<br> \* | 13.03 | 12.96 | 11.24 |
| 06-6JT | Small Cap Growth | **Voya Small Cap Growth R6: Class Retirement**<br> Investment Adviser: Voya Investments, LLC<br>Investment Subadviser: Voya Investment Management Co. LLC | 0.86 | 14.61 |  |  |
| 06-GFJ | Intermediate Term Bond | **Western Asset Core Plus Bond IS: Class Inst**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: Western Asset Management Company Pte Ltd. – <br>Singapore;Western Asset Management Company, LLC;Western Asset <br>Management Company Ltd. – Japan;Western Asset Management <br>Company Limited; | 0.42 | 8.00 | -1.81 | 2.17 |
| 06-3TP | Mid Cap Growth | **William Blair Small-Mid Cap Growth I: Class Inst**<br> Investment Adviser: William Blair Investment Management, LLC | 0.99<br> \* | 0.62 | 2.06 | 9.95 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-7FY | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Dyn 2030 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.34<br> \* | 13.92 | 6.54 | 8.61 |
| 06-7G3 | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Dyn 2035 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.34<br> \* | 15.57 | 7.74 | 9.54 |
| 06-7G4 | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Dyn 2040 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.34<br> \* | 17.23 | 9.13 | 10.51 |
| 06-7G6 | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Dyn 2045 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.34<br> \* | 18.70 | 10.17 | 11.15 |
| 06-7G7 | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Dyn 2050 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.34<br> \* | 20.37 | 10.66 | 11.48 |
| 06-7G9 | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Dyn 2055 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.34<br> \* | 21.21 | 10.99 | 11.68 |
| 06-7GC | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Dyn 2060 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.34<br> \* | 21.41 | 11.02 |  |
| 06-7GF | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Dyn 2065 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.34<br> \* | 21.39 | 11.01 |  |
| 06-7GG | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Dyn 2070 K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.34<br> \* | 21.26 |  |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-7GH | Mgd Asset Allocation | **BlackRock LifePath<sup>®</sup> Dyn Retirement K: Class Retirement**<br> Investment Adviser: BlackRock Fund Advisors<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.34<br> \* | 12.24 | 4.67 | 6.68 |
| 06-7FV | Intermediate Term Bond | **Carillon Reams Unconstrained Bond R-6: Class Retirement**<br> Investment Adviser: Carillon Tower Advisers, Inc.<br>Investment Subadviser: Scout Investments, Inc. | 0.50<br> \* | 10.72 | 3.60 |  |
| 06-7FJ | Foreign Small/Mid Eqty | **Driehaus International Small Cap Growth: Class No Load**<br> Investment Adviser: Driehaus Capital Management LLC | 1.15 | 28.92 | 4.83 | 8.97 |
| 06-7GR | Mgd Asset Allocation | **JHancock 2065 Lifetime Blend Pft R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.32<br> \* | 20.06 | 9.80 |  |
| 06-7GP | Mgd Asset Allocation | **JHancock 2070 Lifetime Blend Pft R6: Class Retirement**<br> Investment Adviser: John Hancock Investment Management LLC<br>Investment Subadviser: Manulife Investment Management (US) LLC | 0.32<br> \* |  |  |  |
| 06-7FR | Short Term Bond | **JPMorgan Short Duration Bond R6: Class Retirement\*\***<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.28<br> \* | 5.63 | 2.46 | 2.51 |
| 06-7FH | Foreign Small/Mid Eqty | **T. Rowe Price International Discovery I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price International Limited;<br>T. Rowe Price Hong Kong Limited;T. Rowe Price Japan, Inc; | 1.08 | 25.75 | 2.11 | 8.39 |
| 06-7GT | Large Cap Growth | **T. Rowe Price Lrg Cp Gr I: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.55 | 17.65 | 12.46 | 16.91 |
| 06-FCP | Intermediate Term Bond | **Victory Pioneer Bond R6: Class Retirement**<br> Investment Adviser: Victory Capital Management Inc. | 0.36 | 8.96 | 0.81 | 3.05 |
| 06-194 | Large Cap Growth | **Alger Capital Appreciation Instl I: Class Inst\*\*\***<br> Investment Adviser: Fred Alger Management, LLC | 1.24 | 31.99 | 16.01 | 17.83 |
| 06-296 | Foreign Growth | **American Funds EUPAC R5: Class Retirement\*\*\***<br> Investment Adviser: Capital Research and Management Company | 0.52 | 29.11 | 4.54 | 8.41 |
| 06-692 | Foreign Small/Mid Eqty | **Columbia Acorn International Inst: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.97<br> \* | 12.36 | -0.85 | 4.51 |
| 06-444 | Emerging Market Bond | **Columbia Emerging Markets Bond Inst: Class Inst\*\*\***<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.86 | 12.99 | 1.71 | 4.37 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-443 | Specialty | **Columbia Seligman Tech & Info Inst: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.91 | 37.74 | 19.44 | 22.80 |
| 06-275 | Small Cap Blend | **Fidelity Advisor Small Cap M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.45 | 11.58 | 8.64 | 9.09 |
| 06-819 | Large Cap Growth | **Franklin Growth A: Class A\*\*\***<br> Investment Adviser: Franklin Advisers, Inc. | 0.78 | 15.26 | 9.61 | 13.76 |
| 06-247 | Small Cap Value | **Franklin Small Cap Value A: Class A\*\*\***<br> Investment Adviser: Franklin Mutual Advisers, LLC | 0.97<br> \* | 7.31 | 8.72 | 9.71 |
| 06-890 | Mid Cap Growth | **Franklin Small-Mid Cap Growth R: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 1.09<br> \* | 2.50 | 0.94 | 9.92 |
| 06-821 | Intermediate Term Bond | **Franklin Core Plus Bond Fund A: Class A\*\*\***<br> Investment Adviser: Franklin Advisers, Inc. | 0.72<br> \* | 7.19 | 1.82 | 3.09 |
| 06-915 | Intermediate Term Bond | **Franklin Core Plus Bond Fund R: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.97<br> \* | 6.97 | 1.55 | 2.82 |
| 06-262 | Mid Cap Blend | **Invesco Main Street Mid Cap A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.04 | 8.92 | 8.99 | 9.73 |
| 06-259 | Mid Cap Value | **Janus Henderson VIT Mid Cap Value Svc: Class S\*\*\***<br> Investment Adviser: Janus Henderson Investors US LLC | 1.18 | 6.29 | 8.43 | 8.40 |
| 06-056 | Multisector Bond | **Lord Abbett Bond-Debenture A: Class A\*\*\***<br> Investment Adviser: Lord Abbett | 0.90 | 8.39 | 2.20 | 4.85 |
| 06-423 | Large Cap Blend | **Lord Abbett Dividend Growth A: Class A\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 0.89 | 16.19 | 12.44 | 13.12 |
| 06-732 | Small Cap Growth | **Lord Abbett Developing Growth A: Class A\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 0.94 | 14.37 | -1.21 | 11.02 |
| 06-960 | Small Cap Growth | **Lord Abbett Developing Growth P: Class Other\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.14 | 14.11 | -1.41 | 10.86 |
| 06-369 | Small Cap Growth | **Lord Abbett Developing Growth R3: Class Retirement\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.19 | 14.10 | -1.45 | 10.75 |
| 06-733 | Large Cap Value | **Lord Abbett Fundamental Equity A: Class A\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 0.95 | 17.15 | 13.29 | 10.90 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-948 | Large Cap Growth | **Lord Abbett Growth Leaders I: Class Inst\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 0.65 | 16.48 | 8.48 | 16.85 |
| 06-734 | Mid Cap Growth | **Lord Abbett Growth Opportunities A: Class A\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 0.96<br> \* | 13.27 | 3.35 | 10.48 |
| 06-965 | Mid Cap Growth | **Lord Abbett Growth Opportunities P: Class Other\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.16<br> \* | 13.07 | 3.15 | 10.26 |
| 06-371 | Mid Cap Growth | **Lord Abbett Growth Opportunities R3: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 1.21<br> \* | 12.99 | 3.10 | 10.21 |
| 06-057 | High Yield Bond | **Lord Abbett High Yield A: Class A\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 0.93 | 7.40 | 3.32 | 5.37 |
| 06-970 | Mid Cap Value | **Lord Abbett Mid Cap Stock P: Class Other\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.22 | 7.05 | 10.09 | 7.99 |
| 06-961 | Mid Cap Value | **Lord Abbett Mid Cap Stock R3: Class Retirement\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.27 | 7.03 | 10.04 | 7.95 |
| 06-704 | Small Cap Value | **Lord Abbett Small Cap Value I: Class Inst\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 0.96 | 0.86 | 7.53 | 6.88 |
| 06-980 | Small Cap Value | **Lord Abbett Small Cap Value P: Class Other\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.41 | 0.44 | 7.03 | 6.40 |
| 06-962 | Small Cap Value | **Lord Abbett Small Cap Value R3: Class Retirement\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.46 | 0.36 | 6.98 | 6.35 |
| 06-949 | Intermediate Term Bond | **Lord Abbett Total Return I: Class Inst\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 0.42<br> \* | 7.49 | 0.32 | 2.49 |
| 06-967 | Mid Cap Blend | **Lord Abbett Value Opportunities A: Class A\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.19 | 0.58 | 5.79 | 7.80 |
| 06-895 | Small Cap Growth | **Neuberger Small Cap Growth Adv: Class Adv\*\*\***<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.61<br> \* | 9.50 | 3.33 | 12.35 |
| 06-725 | Balanced | **Oakmark Equity And Income Investor: Class Inv\*\*\***<br> Investment Adviser: Harris Associates L.P. | 0.85 | 11.06 | 8.44 | 8.52 |
| 06-748 | Short Term Bond | **Russell Inv Short Duration Bond S: Class S\*\*\***<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Scout Investments, Inc.;MetLife Investment <br>Management, LLC; | 0.55<br> \* | 5.92 | 1.90 | 2.42 |
| 06-312 | Foreign Value | **Templeton Foreign A: Class A\*\*\***<br> Investment Adviser: Templeton Global Advisors Limited | 1.10<br> \* | 28.42 | 8.76 | 6.58 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-886 | World Bond | **Templeton Global Bond A: Class A\*\*\***<br> Investment Adviser: Franklin Advisers, Inc. | 0.99<br> \* | 16.73 | -1.27 | -0.07 |
| 06-313 | World Stock | **Templeton Growth A: Class A\*\*\***<br> Investment Adviser: Templeton Global Advisors Limited | 1.03 | 23.59 | 7.90 | 6.91 |
| 06-305 | Short Term Gov Bond | **Vanguard Short-Term Federal Inv: Class Inv\*\*\*<sup>,</sup>\*\***<br> Investment Adviser: Vanguard Group Inc | 0.20 | 5.82 | 1.50 | 1.89 |
| 06-081 | Mid Cap Blend | **Ave Maria Value: Class No Load**<br> Investment Adviser: Schwartz Investment Counsel Inc | 0.93 | 2.82 | 11.02 | 10.44 |
| 06-082 | Large Cap Growth | **Ave Maria Growth: Class No Load**<br> Investment Adviser: Schwartz Investment Counsel Inc | 0.91 | 8.26 | 8.46 | 13.06 |
| 06-084 | Large Cap Blend | **Ave Maria Rising Dividend: Class No Load**<br> Investment Adviser: Schwartz Investment Counsel Inc | 0.90 | -0.39 | 8.90 | 10.31 |
| 06-085 | World Stock | **Ave Maria World Equity: Class Other**<br> Investment Adviser: Schwartz Investment Counsel Inc | 1.03 | 10.58 | 8.14 | 8.21 |
| 06-339 | Balanced | **Timothy Plan Conservative Growth A: Class A**<br> Investment Adviser: Timothy Partners Ltd | 1.79 | 10.55 | 2.87 | 3.94 |
| 06-341 | Balanced | **Timothy Plan Strategic Growth A: Class A**<br> Investment Adviser: Timothy Partners Ltd | 1.75 | 12.95 | 4.43 | 5.03 |
| 06-005 | High Yield Bond | **AB High Income Advisor: Class Adv**<br> Investment Adviser: AllianceBernstein L.P. | 0.61 | 8.28 | 4.67 | 5.71 |
| 06-3YR | Large Cap Growth | **AB Large Cap Growth Advisor: Class Adv**<br> Investment Adviser: AllianceBernstein L.P. | 0.55 | 13.26 | 11.98 | 15.97 |
| 06-505 | Balanced | **Alger Balanced I-2: Class Inst**<br> Investment Adviser: Fred Alger Management, LLC | 1.03 | 16.15 | 11.02 | 10.41 |
| 06-510 | Large Cap Growth | **Alger Capital Appreciation Ptfl I-2: Class Inst**<br> Investment Adviser: Fred Alger Management, LLC | 0.93 | 32.87 | 16.33 | 18.17 |
| 06-500 | Large Cap Growth | **Alger Large Cap Growth I-2: Class Inst**<br> Investment Adviser: Fred Alger Management, LLC | 0.84<br> \* | 30.27 | 11.12 | 16.73 |
| 06-197 | Small Cap Growth | **Alger Small Cap Growth Institutional I: Class Inst**<br> Investment Adviser: Fred Alger Management, LLC | 1.41 | 4.89 | -5.27 | 8.43 |
| 06-485 | Balanced | **American Century Strat Allc: Cnsrv Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.83<br> \* | 10.42 | 4.60 | 6.22 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-33X | Foreign Value | **American Beacon International Eq Inv: Class Inv**<br> Investment Adviser: American Beacon Advisors Inc<br>Investment Subadviser: Lazard Asset Management LLC;American <br>Century Investment Management Inc;Causeway Capital Management LLC; | 1.11 | 36.52 | 10.50 | 7.42 |
| 06-34F | Small Cap Value | **American Beacon Small Cp Val Inv: Class Inv**<br> Investment Adviser: American Beacon Advisors Inc<br>Investment Subadviser: Westwood Management Corp;Barrow Hanley <br>Mewhinney & Strauss LLC;Brandywine Global Investment Mgmt, LLC;<br>DePrince Race & Zollo Inc;Hotchkis and Wiley Capital Mgmt LLC; | 1.15 | 4.43 | 8.83 | 8.42 |
| 06-694 | Large Cap Growth | **American Century Disciplined Growth Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.91<br> \* | 17.20 | 13.33 | 15.36 |
| 06-721 | Intermediate Term Bond | **American Century Diversified Bond Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.60 | 7.06 | -0.50 | 1.77 |
| 06-206 | Diversified Emerging Markets | **American Century Emerging Markets Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 1.27 | 35.29 | 1.42 | 7.58 |
| 06-048 | Large Cap Blend | **American Century Equity Growth Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.65 | 18.42 | 12.36 | 12.70 |
| 06-475 | Large Cap Value | **American Century Equity Income Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.94 | 11.91 | 7.77 | 8.97 |
| 06-355 | Large Cap Value | **American Century Focused Lg Cap Val A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.09 | 16.11 | 10.21 | 9.50 |
| 06-435 | Int Government Bond | **American Century Ginnie Mae A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 0.80 | 7.14 | -0.58 | 0.82 |
| 06-445 | Large Cap Growth | **American Century Growth A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.09<br> \* | 14.94 | 12.46 | 15.79 |
| 06-046 | Mid Cap Growth | **American Century Heritage Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 1.00 | 6.61 | 5.09 | 11.43 |
| 06-460 | Large Cap Value | **American Century Discplnd Cor Val Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.65 | 14.92 | 8.82 | 10.45 |
| 06-185 | Inflation-Protec Bond | **American Century Inflation Adjs Bond A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 0.79 | 6.32 | 0.59 | 2.44 |
| 06-3VG | Foreign Small/Mid Eqty | **American Century International Opps Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 1.46<br> \* | 29.62 | 0.97 | 6.52 |
| 06-420 | Foreign Growth | **American Century International Gr Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 1.22 | 15.60 | 1.55 | 6.15 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-396 | Mid Cap Value | **American Century Mid Cap Value Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.97 | 8.89 | 8.77 | 9.04 |
| 06-414 | Mgd Asset Allocation | **American Century One Choice 2030 Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.80<br> \* | 11.44 | 4.85 | 6.80 |
| 06-416 | Mgd Asset Allocation | **American Century One Choice 2035 Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.83<br> \* | 12.24 | 5.18 | 7.28 |
| 06-417 | Mgd Asset Allocation | **American Century One Choice 2040 Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.85<br> \* | 13.16 | 5.59 | 7.82 |
| 06-418 | Mgd Asset Allocation | **American Century One Choice 2045 Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.87<br> \* | 14.06 | 6.05 | 8.40 |
| 06-419 | Mgd Asset Allocation | **American Century One Choice 2050 Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.88<br> \* | 14.68 | 6.59 | 8.95 |
| 06-436 | Mgd Asset Allocation | **American Century One Choice 2055 Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.89<br> \* | 15.46 | 7.05 | 9.29 |
| 06-CKT | Mgd Asset Allocation | **American Century One Choice 2060 Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.89<br> \* | 15.75 | 7.27 | 9.48 |
| 06-63N | Mgd Asset Allocation | **American Century One Choice 2065 Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.89<br> \* | 16.06 | 7.46 |  |
| 06-427 | Mgd Asset Allocation | **American Century One Choice In Ret Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.76<br> \* | 10.86 | 4.58 | 6.03 |
| 06-269 | Specialty | **American Century Real Estate Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 1.15 | 0.82 | 5.08 | 4.95 |
| 06-440 | Large Cap Growth | **American Century Select Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.90<br> \* | 16.27 | 12.79 | 15.89 |
| 06-200 | Small Cap Growth | **American Century Small Cap Growth A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.39 | 8.77 | 2.69 | 11.93 |
| 06-470 | Small Cap Value | **American Century Small Cap Value Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 1.08 | -3.27 | 7.04 | 8.94 |
| 06-385 | Small Cap Blend | **American Century Small Company A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.10 | 12.68 | 6.09 | 7.54 |
| 06-480 | Balanced | **American Century Strat Allc: Agrsv Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.79<br> \* | 15.83 | 7.97 | 9.71 |
| 06-490 | Balanced | **American Century Strat Allc: Mod Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.83<br> \* | 13.64 | 6.34 | 8.13 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-450 | Large Cap Growth | **American Century Ultra<sup>®</sup> Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.87<br> \* | 12.62 | 11.71 | 17.13 |
| 06-696 | Large Cap Value | **American Century Value Inv: Class Inv**<br> Investment Adviser: American Century Investment Management Inc | 0.95<br> \* | 15.79 | 11.32 | 9.94 |
| 06-958 | Mgd Asset Allocation | **American Funds 2010 Trgt Date Ret Inc R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.63 | 12.67 | 5.36 | 6.26 |
| 06-969 | Mgd Asset Allocation | **American Funds 2015 Trgt Date Ret Inc R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.65 | 13.05 | 5.58 | 6.60 |
| 06-972 | Mgd Asset Allocation | **American Funds 2020 Trgt Date Ret Inc R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.65 | 13.75 | 5.87 | 7.02 |
| 06-974 | Mgd Asset Allocation | **American Funds 2025 Trgt Date Ret Inc R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.66 | 14.14 | 6.01 | 7.73 |
| 06-977 | Mgd Asset Allocation | **American Funds 2030 Trgt Date Retire R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.68 | 15.32 | 6.90 | 8.77 |
| 06-979 | Mgd Asset Allocation | **American Funds 2035 Trgt Date Retire R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.69 | 16.70 | 7.98 | 9.99 |
| 06-982 | Mgd Asset Allocation | **American Funds 2040 Trgt Date Retire R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.71 | 19.08 | 9.15 | 10.87 |
| 06-984 | Mgd Asset Allocation | **American Funds 2045 Trgt Date Retire R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.72 | 19.98 | 9.44 | 11.12 |
| 06-997 | Mgd Asset Allocation | **American Funds 2050 Trgt Date Retire R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.72 | 20.05 | 9.44 | 11.19 |
| 06-999 | Mgd Asset Allocation | **American Funds 2055 Trgt Date Retire R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.73 | 20.34 | 9.47 | 11.20 |
| 06-CGF | Mgd Asset Allocation | **American Funds 2060 Trgt Date Retire R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.74 | 20.28 | 9.45 | 11.19 |
| 06-4R3 | Mgd Asset Allocation | **American Funds 2065 Trgt Date Retire R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.74 | 20.25 | 9.47 |  |
| 06-6YF | Mgd Asset Allocation | **American Funds 2070 Trgt Date Retire R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.73 | 20.41 |  |  |
| 06-207 | Large Cap Growth | **American Funds AMCAP R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.67 | 17.72 | 10.45 | 12.63 |
| 06-446 | Balanced | **American Funds American Balanced R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.59 | 18.43 | 9.53 | 9.75 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-208 | High Yield Bond | **American Funds American High-Inc R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.70 | 8.28 | 5.52 | 6.67 |
| 06-3MK | Large Cap Value | **American Funds American Mutual R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.62 | 16.07 | 11.71 | 11.28 |
| 06-3MM | World Allocation | **American Funds Capital Income Bldr R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.61 | 20.34 | 9.06 | 7.80 |
| 06-211 | World Stock | **American Funds Capital World Gr&Inc R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.76 | 24.70 | 10.23 | 10.85 |
| 06-212 | Foreign Growth | **American Funds EUPAC R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.82 | 28.71 | 4.22 | 8.08 |
| 06-214 | Large Cap Blend | **American Funds Fundamental Invs R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.62 | 24.23 | 14.42 | 14.04 |
| 06-216 | Large Cap Growth | **American Funds Growth Fund of Amer R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.63 | 19.87 | 11.77 | 15.11 |
| 06-3MN | Balanced | **American Funds Income Fund of Amer R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.61 | 17.74 | 9.02 | 8.59 |
| 06-209 | Short Term Bond | **American Funds Interm Bd Fd of Amer R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.59<br> \* | 6.88 | 1.06 | 2.00 |
| 06-503 | World Stock | **American Funds New Perspective R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.75 | 21.19 | 8.99 | 12.65 |
| 06-689 | Diversified Emerging Markets | **American Funds New World R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.92 | 28.15 | 5.25 | 9.54 |
| 06-332 | World Stock | **American Funds SMALLCAP World R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.00 | 14.04 | 1.42 | 8.86 |
| 06-448 | Large Cap Value | **American Funds Washington Mutual R4: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.60 | 17.09 | 13.91 | 13.10 |
| 06-4TG | Mid Cap Blend | **AMG GW&K Small Mid Cap Core I: Class Inst\*\*\***<br> Investment Adviser: AMG Funds LLC<br>Investment Subadviser: GW&K Investment Management, LLC | 0.87 | 4.58 | 6.55 | 9.93 |
| 06-FXW | Large Cap Growth | **AMG Renaissance Large Cap Growth N: Class N**<br> Investment Adviser: AMG Funds LLC<br>Investment Subadviser: Renaissance Group LLC | 1.00<br> \* | 10.11 | 12.40 | 13.95 |
| 06-4TF | Diversified Emerging Markets | **AQR Emerging Multi-Style II N: Class N**<br> Investment Adviser: AQR Capital Management LLC | 0.96<br> \* | 32.38 | 5.56 | 7.80 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-BBB | Foreign Value | **AQR International Multi-Style N: Class N**<br> Investment Adviser: AQR Capital Management LLC | 0.84<br> \* | 42.49 | 11.75 | 8.44 |
| 06-CCC | Large Cap Blend | **AQR Large Cap Multi-Style N: Class N**<br> Investment Adviser: AQR Capital Management LLC | 0.66 | 23.25 | 15.19 | 13.00 |
| 06-CCF | Small Cap Blend | **AQR Small Cap Multi-Style N: Class N**<br> Investment Adviser: AQR Capital Management LLC | 0.89<br> \* | 17.28 | 10.59 | 10.32 |
| 06-335 | Mid Cap Value | **Ariel Appreciation Investor: Class Inv**<br> Investment Adviser: Ariel Investments, LLC | 1.15 | 11.11 | 7.57 | 7.95 |
| 06-CKV | Foreign Value | **Ariel International Investor: Class Inv**<br> Investment Adviser: Ariel Investments, LLC | 1.13<br> \* | 31.48 | 7.10 | 5.86 |
| 06-330 | Small Cap Value | **Ariel Fund Investor: Class Inv**<br> Investment Adviser: Ariel Investments, LLC | 1.01 | 14.15 | 9.36 | 9.51 |
| 06-7CM | Short Term Bond | **Baird Short-Term Bond Investor: Class Inv\*\***<br> Investment Adviser: Robert W. Baird & Co. Incorporated | 0.55 | 5.41 | 2.14 | 2.35 |
| 06-587 | Large Cap Value | **BlackRock Equity Dividend Instl: Class Inst**<br> Investment Adviser: BlackRock Advisors, LLC | 0.71 | 21.67 | 11.70 | 11.24 |
| 06-528 | World Allocation | **BlackRock Global Allocation Instl: Class Inst**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.87<br> \* | 19.62 | 5.74 | 7.50 |
| 06-CGM | Specialty | **BlackRock Health Sciences Opps Instl: Class Inst**<br> Investment Adviser: BlackRock Advisors, LLC | 0.84 | 16.26 | 5.85 | 9.82 |
| 06-CHP | High Yield Bond | **BlackRock High Yield Port Svc: Class S**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited | 0.93 | 8.98 | 4.74 | 6.15 |
| 06-GHG | Mid Cap Growth | **BlackRock Mid-Cap Growth Equity Instl: Class Inst**<br> Investment Adviser: BlackRock Advisors, LLC | 0.80<br> \* | 0.40 | 0.75 | 11.42 |
| 06-FRY | Balanced | **BlackRock Multi-Asset Income Investor A: Class A**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock Asset Management North Asia Ltd;<br>BlackRock International Limited;BlackRock (Singapore) Ltd; | 0.82<br> \* | 11.53 | 4.54 | 5.32 |
| 06-529 | Small Cap Growth | **BlackRock Advantage Small Cap Gr Instl: Class Inst**<br> Investment Adviser: BlackRock Advisors, LLC | 0.51<br> \* | 15.24 | 3.94 | 10.36 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-FTG | Intermediate Term Bond | **BlackRock Strategic Income Opps Inv A: Class A**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.96<br> \* | 8.31 | 2.89 | 3.56 |
| 06-093 | Intermediate Term Bond | **BlackRock Total Return Inv A: Class A**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 0.76 | 7.87 | -0.43 | 2.11 |
| 06-CCY | Specialty | **BNY Mellon Natural Resources I: Class Inst**<br> Investment Adviser: BNY Mellon Investment Adviser, Inc<br>Investment Subadviser: Newton Investment Management <br>North America, LLC | 0.93 | 14.99 | 17.11 | 12.67 |
| 06-709 | World Bond | **BrandywineGLOBAL Global Opp Bond FI: Class Other**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: Brandywine Global Investment Mgmt, LLC | 1.00<br> \* | 13.10 | -2.86 | 1.63 |
| 06-345 | Large Cap Growth | **Calvert Equity A: Class A**<br> Investment Adviser: Calvert Research and Management<br>Investment Subadviser: Atlanta Capital Management Company,LLC | 0.91 | 6.95 | 7.76 | 12.79 |
| 06-340 | Intermediate Term Bond | **Calvert Income A: Class A**<br> Investment Adviser: Calvert Research and Management | 0.92<br> \* | 8.89 | 1.19 | 3.66 |
| 06-516 | Small Cap Blend | **Calvert Small-Cap A: Class A**<br> Investment Adviser: Calvert Research and Management | 1.20 | -6.41 | 3.22 | 7.92 |
| 06-520 | Mid Cap Blend | **Calvert VP SRI Mid Cap: Class – N/A**<br> Investment Adviser: Calvert Research and Management | 0.99<br> \* | 1.46 | 2.95 | 6.91 |
| 06-712 | Large Cap Blend | **ClearBridge Appreciation FI: Class Other**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 1.00 | 14.16 | 12.45 | 13.02 |
| 06-711 | Mid Cap Growth | **ClearBridge Growth FI: Class Other**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 1.13 | 13.36 | 4.76 | 7.61 |
| 06-GJR | Foreign Value | **ClearBridge International Value A: Class A**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 1.29<br> \* | 38.38 | 10.72 | 6.50 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GJV | Large Cap Growth | **ClearBridge Large Cap Growth A: Class A**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 1.01 | 8.49 | 10.30 | 14.11 |
| 06-4VC | Specialty | **Cohen & Steers Global Infrastructure A: Class A**<br> Investment Adviser: Cohen & Steers Capital Management, Inc.<br>Investment Subadviser: Cohen & Steers Asia Limited;Cohen & <br>Steers UK Limited; | 1.22 | 14.31 | 7.44 | 7.94 |
| 06-4VF | Specialty | **Cohen & Steers Real Estate Securities A: Class A**<br> Investment Adviser: Cohen & Steers Capital Management, Inc. | 1.10 | 4.00 | 5.40 | 6.36 |
| 06-66N | Balanced | **Columbia Capital Allocation Agrsv A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.03 | 19.03 | 9.16 | 9.96 |
| 06-66C | Balanced | **Columbia Capital Allocation Cnsrv A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.94 | 10.51 | 2.46 | 3.93 |
| 06-66G | Balanced | **Columbia Capital Allocation Mod A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.93 | 15.57 | 5.82 | 7.18 |
| 06-66K | Balanced | **Columbia Capital Alloc Mod Agrsv A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.99 | 16.88 | 7.44 | 8.58 |
| 06-73K | Large Cap Blend | **Columbia Contrarian Core Inst: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.73 | 17.37 | 14.12 | 14.24 |
| 06-73M | Large Cap Value | **Columbia Dividend Income Inst: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.65 | 15.85 | 12.06 | 12.33 |
| 06-438 | Emerging Market Bond | **Columbia Emerging Markets Bond A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.11 | 12.62 | 1.44 | 4.09 |
| 06-67P | Large Cap Growth | **Columbia Integrated Large Cap Gr A: Class A\*\*\***<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.79<br> \* | 14.69 | 14.79 | 16.23 |
| 06-67T | Small Cap Growth | **Columbia Integrated Small Cap Gr A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.24<br> \* | 19.00 | 7.23 |  |
| 06-334 | Mid Cap Blend | **Columbia Mid Cap Index A: Class No Load**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.45<br> \* | 7.10 | 8.64 | 10.21 |
| 06-73N | Foreign Value | **Columbia Overseas Value Inst: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.91<br> \* | 45.72 | 13.04 | 9.48 |
| 06-73P | Intermediate Term Bond | **Columbia Quality Income Inst: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.65<br> \* | 9.49 | -0.68 | 1.65 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-73R | World Stock | **Columbia Select Global Equity Inst: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.97<br> \* | 17.69 | 9.01 | 13.16 |
| 06-73T | Large Cap Value | **Columbia Select Large Cap Value Inst: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.60<br> \* | 27.93 | 13.90 | 12.70 |
| 06-73V | Mid Cap Value | **Columbia Select Mid Cap Value Instl: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.88 | 13.84 | 11.32 | 10.47 |
| 06-64V | Mid Cap Growth | **Columbia Select Mid Cap Growth Fund A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.12<br> \* | 14.81 | 7.12 | 11.73 |
| 06-336 | Small Cap Blend | **Columbia Small Cap Index A: Class No Load**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.45 | 5.64 | 6.81 | 9.33 |
| 06-64X | Small Cap Value | **Columbia Sm Cp Val and Inflection A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.21<br> \* | 7.93 | 9.50 | 8.87 |
| 06-64Y | Intermediate Term Bond | **Columbia Total Return Bond A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.74<br> \* | 8.62 | -0.38 | 2.65 |
| 06-73W | Intermediate Term Bond | **Columbia Total Return Bond Inst: Class Inst**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.49<br> \* | 8.88 | -0.13 | 2.91 |
| 06-551 | Mid Cap Blend | **CRM Mid Cap Value Inv: Class Inv**<br> Investment Adviser: Cramer Rosenthal McGlynn LLC | 1.20 | 8.88 | 8.06 | 10.04 |
| 06-552 | Small Cap Blend | **CRM Small Cap Value Inv: Class Inv**<br> Investment Adviser: Cramer Rosenthal McGlynn LLC | 1.28 | 2.48 | 7.71 | 7.83 |
| 06-FNG | Large Cap Value | **DWS CROCI US S: Class S**<br> Investment Adviser: DWS Investment Management Americas, Inc. | 0.66 | 17.11 | 12.28 | 9.72 |
| 06-3VP | Diversified Emerging Markets | **DWS Emerging Markets Equity S: Class S**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: DWS International GmbH | 1.00<br> \* | 28.82 | 0.38 | 6.72 |
| 06-608 | Specialty | **DWS Enhanced Commodity Strategy S: Class S**<br> Investment Adviser: DWS Investment Management Americas, Inc. | 0.95<br> \* | 11.67 | 9.02 | 4.40 |
| 06-632 | Large Cap Blend | **DWS Enhanced Core Equity S: Class S**<br> Investment Adviser: DWS Investment Management Americas, Inc. | 0.55<br> \* | 19.00 | 15.26 | 12.49 |
| 06-614 | Specialty | **DWS RREEF Global Infrastructure S: Class S**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: RREEF America L.L.C. | 1.11<br> \* | 12.56 | 7.33 | 7.01 |
| 06-FRC | Int Government Bond | **DWS GNMA S: Class S**<br> Investment Adviser: DWS Investment Management Americas, Inc. | 0.59<br> \* | 8.60 | -0.01 | 1.30 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-631 | World Allocation | **DWS RREEF Real Assets S: Class S**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: RREEF America L.L.C. | 0.99<br> \* | 13.05 | 6.38 | 6.91 |
| 06-617 | Specialty | **DWS RREEF Real Estate Securities S: Class S**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: RREEF America L.L.C. | 0.76 | -0.28 | 4.21 | 5.23 |
| 06-GGM | Small Cap Blend | **DWS Small Cap Core S: Class S**<br> Investment Adviser: DWS Investment Management Americas, Inc. | 0.89 | 4.99 | 9.76 | 10.26 |
| 06-CHJ | Foreign Blend | **Federated Hermes International Equity IS: Class Inst**<br> Investment Adviser: Federated Global Investment Management Corp | 0.94<br> \* | 27.18 | 4.75 | 8.22 |
| 06-049 | Foreign Blend | **Federated Hermes Intl Leaders IS: Class Inst**<br> Investment Adviser: Federated Global Investment Management Corp | 0.79<br> \* | 37.31 | 8.84 | 8.33 |
| 06-050 | Large Cap Growth | **Federated Hermes Kaufmann Large Cap IS: Class Inst**<br> Investment Adviser: Federated Global Investment Management Corp | 0.84<br> \* | 17.85 | 9.26 | 13.60 |
| 06-051 | Large Cap Blend | **Federated Hermes MDT All Cap Core IS: Class Inst**<br> Investment Adviser: Federated MDTA LLC | 0.75<br> \* | 20.24 | 17.04 | 16.25 |
| 06-4FT | Small Cap Blend | **Federated Hermes MDT Small Cap Core IS: Class Inst**<br> Investment Adviser: Federated MDTA LLC | 0.89<br> \* | 14.13 | 9.62 | 11.69 |
| 06-FTV | Small Cap Growth | **Federated Hermes MDT Small Cap Growth IS: Class Inst**<br> Investment Adviser: Federated MDTA LLC | 0.89<br> \* | 17.09 | 6.45 | 11.75 |
| 06-788 | High Yield Bond | **Federated Hermes Opportunistic HY Bd IS: Class Inst**<br> Investment Adviser: Federated Investment Management Company | 0.73<br> \* | 8.30 | 4.50 | 6.15 |
| 06-CCH | Mgd Asset Allocation | **Fidelity Advisor Freedom 2010 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.46 | 11.27 | 3.24 | 5.59 |
| 06-CCJ | Mgd Asset Allocation | **Fidelity Advisor Freedom 2015 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.50 | 12.91 | 3.96 | 6.41 |
| 06-CCK | Mgd Asset Allocation | **Fidelity Advisor Freedom 2020 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.55 | 14.57 | 4.68 | 7.12 |
| 06-CCM | Mgd Asset Allocation | **Fidelity Advisor Freedom 2025 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.59 | 16.17 | 5.41 | 7.77 |
| 06-CCN | Mgd Asset Allocation | **Fidelity Advisor Freedom 2030 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.61 | 17.27 | 6.21 | 8.68 |
| 06-CCP | Mgd Asset Allocation | **Fidelity Advisor Freedom 2035 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.65 | 18.71 | 7.54 | 9.83 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CCR | Mgd Asset Allocation | **Fidelity Advisor Freedom 2040 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.67 | 21.49 | 9.04 | 10.74 |
| 06-CCT | Mgd Asset Allocation | **Fidelity Advisor Freedom 2045 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.69 | 23.00 | 9.55 | 11.00 |
| 06-CCV | Mgd Asset Allocation | **Fidelity Advisor Freedom 2050 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.69 | 23.04 | 9.56 | 11.00 |
| 06-CCW | Mgd Asset Allocation | **Fidelity Advisor Freedom 2055 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.69 | 23.08 | 9.57 | 11.01 |
| 06-CCX | Mgd Asset Allocation | **Fidelity Advisor Freedom 2060 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.69 | 23.13 | 9.58 | 11.01 |
| 06-63P | Mgd Asset Allocation | **Fidelity Advisor Freedom 2065 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.69 | 23.07 | 9.58 |  |
| 06-77X | Mgd Asset Allocation | **Fidelity Advisor Freedom 2070 I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.69 | 22.58 |  |  |
| 06-CCG | Mgd Asset Allocation | **Fidelity Advisor Freedom Retirement I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.46 | 10.19 | 2.56 | 4.36 |
| 06-GKP | Balanced | **Fidelity Advisor Real Estate Income I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.70 | 7.11 | 5.13 | 5.82 |
| 06-841 | Large Cap Blend | **Fidelity Advisor Stock Sel M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.04 | 18.24 | 11.77 | 13.39 |
| 06-FTY | Balanced | **Fidelity Advisor<sup>®</sup> Balanced I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.51 | 15.16 |  |  |
| 06-280 | Foreign Growth | **Fidelity Advisor Diversified Intl M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd;FIL Investment Advisors (FIA);<br>FIL Investment Advisors (UK) Ltd | 1.36 | 27.10 | 6.06 | 7.81 |

---

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-028 | Large Cap Blend | **Fidelity Advisor Diversified Stock I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd; | 0.56 | 13.83 | 13.85 | 15.17 |
| 06-120 | Large Cap Growth | **Fidelity Advisor Equity Growth M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.16 | 13.98 | 12.87 | 16.67 |
| 06-125 | Large Cap Growth | **Fidelity Advisor Growth Opps M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.21 | 21.85 | 10.76 | 19.59 |
| 06-155 | Foreign Growth | **Fidelity Advisor Intl Cap App M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd;FIL Investment Advisors (FIA);<br>FIL Investment Advisors (UK) Ltd; | 1.39 | 18.13 | 5.65 | 9.08 |
| 06-232 | Large Cap Blend | **Fidelity Advisor<sup>®</sup> Leveraged CoStock A: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.98 | 20.01 |  |  |
| 06-295 | Large Cap Growth | **Fidelity Advisor New Insights A: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 0.90 | 22.72 | 15.19 | 15.46 |
| 06-393 | Small Cap Blend | **Fidelity Advisor Small Cap A: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.20 | 11.86 | 8.90 | 9.35 |

---

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-270 | Mid Cap Blend | **Fidelity Advisor Stock Selec Mid Cp M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.22 | 9.87 | 8.54 | 10.12 |
| 06-026 | Balanced | **Fidelity Advisor Strategic Div & Inc I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd; | 0.67 | 13.01 | 8.12 | 9.27 |
| 06-110 | Multisector Bond | **Fidelity Advisor Strategic Income A: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>FIL Investments (Japan) Limited;FIL Investment Advisors (FIA);FIL <br>Investment Advisors (UK) Ltd;Fidelity Management & Research (HK) Ltd; | 0.94 | 8.57 | 2.87 | 4.49 |
| 06-027 | Intermediate Term Bond | **Fidelity Advisor Total Bond I: Class Inst**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;<br>FIL Investment Advisors (FIA);FIL Investment Advisors (UK) Ltd;<br>Fidelity Management & Research (HK) Ltd; | 0.50 | 7.44 | 0.52 | 3.01 |
| 06-322 | Mid Cap Value | **Fidelity Advisor Value A: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd; | 1.08 | 11.06 | 12.27 | 10.86 |
| 06-7FC | Large Cap Blend | **Fidelity Advisor<sup>®</sup> Dividend Growth M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.41 |  |  |  |
| 06-77M | Large Cap Blend | **Fidelity Advisor<sup>®</sup> Growth & Income M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.07 |  |  |  |

---

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-230 | Balanced | **Fidelity VIP Asset Manager 50% Initial: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;<br>Fidelity Management & Research (HK) Ltd; | 0.52 | 14.98 | 5.67 | 7.13 |
| 06-245 | Large Cap Growth | **Fidelity VIP Contrafund Initial: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;<br>Fidelity Management & Research (HK) Ltd; | 0.56 | 21.48 | 15.36 | 15.78 |
| 06-205 | Large Cap Value | **Fidelity VIP Equity-Income Initial: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;<br>Fidelity Management & Research (HK) Ltd; | 0.47 | 19.02 | 12.51 | 11.60 |
| 06-210 | Large Cap Growth | **Fidelity VIP Growth Initial: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;<br>Fidelity Management & Research (HK) Ltd; | 0.56 | 14.90 | 13.70 | 17.45 |
| 06-215 | High Yield Bond | **Fidelity VIP High Income Initial: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;<br>Fidelity Management & Research (HK) Ltd; | 0.81<br> \* | 10.36 | 4.22 | 5.59 |
| 06-220 | Foreign Growth | **Fidelity VIP Overseas Initial: Class A**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fil Investment Advisors;<br>Fidelity Management & Research (Hong Kong) Ltd;<br>FIL Investment Advisors (UK) Ltd; | 0.73 | 20.39 | 6.62 | 7.93 |
| 06-CNF | Intermediate Term Bond | **Franklin Core Plus Bond Fund Advisor: Class Adv**<br> Investment Adviser: Franklin Advisers, Inc. | 0.47<br> \* | 7.45 | 2.07 | 3.35 |
| 06-7FF | Specialty | **Franklin Gold and Precious Metals Adv: Class Adv**<br> Investment Adviser: Franklin Advisers, Inc. | 0.62 | 196.04 | 21.44 | 22.16 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CMX | Large Cap Growth | **Franklin Growth Adv: Class Adv**<br> Investment Adviser: Franklin Advisers, Inc. | 0.52 | 15.54 | 9.88 | 14.04 |
| 06-CNW | Large Cap Growth | **Franklin Growth Opportunities Adv: Class Adv**<br> Investment Adviser: Franklin Advisers, Inc. | 0.64 | 8.24 | 7.25 | 13.20 |
| 06-719 | Balanced | **Franklin Income Adv: Class Adv**<br> Investment Adviser: Franklin Advisers, Inc. | 0.46 | 12.02 | 7.88 | 7.76 |
| 06-723 | World Stock | **Franklin Mutual Global Discovery Z: Class Inst**<br> Investment Adviser: Franklin Mutual Advisers, LLC | 0.96 | 23.67 | 12.25 | 8.92 |
| 06-CMY | Small Cap Value | **Franklin Small Cap Value Adv: Class Adv\*\*\***<br> Investment Adviser: Franklin Mutual Advisers, LLC | 0.72<br> \* | 7.55 | 8.99 | 9.98 |
| 06-CNC | Mid Cap Growth | **Franklin Small-Mid Cap Growth Adv: Class Adv**<br> Investment Adviser: Franklin Advisers, Inc. | 0.59<br> \* | 3.00 | 1.43 | 10.45 |
| 06-FPC | Specialty | **Franklin Utilities Adv: Class Adv**<br> Investment Adviser: Franklin Advisers, Inc. | 0.55 | 15.30 | 11.06 | 10.97 |
| 06-249 | World Allocation | **Goldman Sachs Growth Allocation Instl: Class Inst**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.52<br> \* | 19.27 | 9.38 | 9.81 |
| 06-367 | Foreign Blend | **Goldman Sachs Intl Eq Insghts Instl: Class Inst**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.82<br> \* | 40.68 | 11.42 | 9.55 |
| 06-CKX | Large Cap Growth | **Goldman Sachs Large Cap Gr Insghts Inv: Class Inv**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.67<br> \* | 15.39 | 14.47 | 16.14 |
| 06-052 | Large Cap Value | **Goldman Sachs Large Cp Val Insghts Inv: Class Inv**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.67<br> \* | 15.18 | 12.18 | 10.49 |
| 06-252 | Mid Cap Blend | **Goldman Sachs Mid Cap Value Instl: Class Inst**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.84 | 9.66 | 10.07 | 10.09 |
| 06-254 | Small Cap Value | **Goldman Sachs Small Cap Value Inst: Class Inst**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.97<br> \* | 10.71 | 7.47 | 8.05 |
| 06-053 | Large Cap Blend | **Goldman Sachs US Equity Insights Inv: Class Inv**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.68<br> \* | 15.40 | 13.83 | 13.80 |
| 06-727 | Mid Cap Growth | **Goldman Sachs Mid Cap Growth Inv: Class Inv**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.90<br> \* | 7.36 | 4.79 | 11.65 |
| 06-CGH | Cash | **Goldman Sachs FS Government Adm: Class Other\*\***<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.43 | 3.95 | 2.99 | 1.91 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-39P | Mid Cap Growth | **Hartford MidCap R4: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company | 1.17 | -0.89 | -0.13 | 7.63 |
| 06-3CT | Mid Cap Blend | **Hartford Schroders US MidCap Opps R4: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Schroder Investment Management North <br>America Inc. | 1.22 | 7.12 | 8.70 |  |
| 06-3YH | World Bond | **Hartford World Bond R4: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company | 1.05 | 4.75 | 1.33 | 1.94 |
| 06-893 | Balanced | **Invesco Active Allocation Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.74 | 15.76 | 6.02 | 7.82 |
| 06-023 | Large Cap Growth | **Invesco American Franchise A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 0.93 | 11.56 | 10.28 | 14.73 |
| 06-771 | Large Cap Value | **Invesco Comstock A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 0.80 | 17.15 | 15.24 | 11.90 |
| 06-762 | Large Cap Value | **Invesco Comstock Select Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.68 | 18.75 | 15.15 | 11.64 |
| 06-894 | Intermediate Term Bond | **Invesco Core Bond Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.46<br> \* | 6.83 | -0.34 | 2.36 |
| 06-571 | Diversified Emerging Markets | **Invesco Developing Markets Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Asset Management Ltd | 1.03 | 28.63 | -0.28 | 6.26 |
| 06-4HC | Mid Cap Growth | **Invesco Discovery Mid Cap Growth R5: Class Retirement\*\*\***<br> Investment Adviser: Invesco Advisers, Inc. | 0.74 | 5.10 | 4.08 |  |
| 06-817 | Large Cap Value | **Invesco Diversified Dividend Investor: Class Inv**<br> Investment Adviser: Invesco Advisers, Inc. | 0.71 | 15.58 | 10.80 | 9.11 |
| 06-810 | Specialty | **Invesco Energy Inv: Class Inv**<br> Investment Adviser: Invesco Advisers, Inc. | 1.23 | 12.35 | 23.31 | 5.43 |
| 06-192 | Foreign Growth | **Invesco EQV International Equity R5: Class Retirement\*\*\***<br> Investment Adviser: Invesco Advisers, Inc. | 0.93 | 16.32 | 3.62 | 6.14 |
| 06-055 | Specialty | **Invesco Floating Rate ESG Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Senior Secured Management Inc | 0.89 | 4.78 | 5.66 | 5.28 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-843 | World Stock | **Invesco Global Opportunities Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.90 | 7.37 | -7.21 | 5.56 |
| 06-751 | Multisector Bond | **Invesco Global Strategic Income Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.81 | 13.06 | 1.80 | 3.15 |
| 06-752 | World Stock | **Invesco Global Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.82 | 15.49 | 7.30 | 11.04 |
| 06-753 | Specialty | **Invesco Gold & Special Minerals Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.81 | 131.58 | 17.83 | 21.36 |
| 06-815 | Specialty | **Invesco Health Care Invstor: Class Inv**<br> Investment Adviser: Invesco Advisers, Inc. | 1.05 | 15.48 | 3.72 | 6.38 |
| 06-754 | World Bond | **Invesco International Bond Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.79<br> \* | 16.90 | 0.36 | 3.06 |
| 06-757 | Foreign Small/Mid Eqty | **Invesco International Small-Mid Com Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 1.13 | 17.03 | -0.56 | 6.66 |
| 06-758 | Large Cap Blend | **Invesco Main Street All Cap Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.79 | 19.10 | 14.41 | 13.68 |
| 06-759 | Mid Cap Blend | **Invesco Main Street Mid Cap Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.80 | 9.20 | 9.26 | 10.01 |
| 06-756 | Foreign Growth | **Invesco International Growth Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.86 | 16.08 | 2.26 | 5.85 |
| 06-062 | Specialty | **Invesco Senior Floating Rate Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Senior Secured Management Inc | 0.87 | 5.30 | 6.86 | 4.80 |
| 06-320 | Small Cap Growth | **Invesco Small Cap Growth A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.16 | 5.69 | -0.89 | 8.97 |
| 06-805 | Specialty | **Invesco Technology Investor: Class Inv**<br> Investment Adviser: Invesco Advisers, Inc. | 0.91 | 19.95 | 10.24 | 15.63 |
| 06-814 | Mid Cap Value | **Invesco Value Opportunities A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.02 | 20.15 | 19.86 | 14.16 |
| 06-6KR | Mid Cap Value | **Invesco Value Opportunities Y: Class Inst**<br> Investment Adviser: Invesco Advisers, Inc. | 0.77 | 20.45 | 20.15 | 14.44 |
| 06-954 | Large Cap Blend | **JH Adaptive Risk Mgd U.S. Eq S: Class S**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.09 | 12.94 | 10.28 | 10.86 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CMC | Mid Cap Growth | **Janus Henderson Enterprise A: Class A**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.14 | 7.27 | 7.23 | 12.28 |
| 06-601 | Intermediate Term Bond | **Janus Henderson VIT Flexible Bond Instl: Class Inst**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.57<br> \* | 7.40 | -0.23 | 2.32 |
| 06-603 | Large Cap Growth | **Janus Henderson Forty A: Class A**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.88 | 18.06 | 11.38 | 15.79 |
| 06-600 | World Stock | **Janus Henderson VIT Global Rsrch Instl: Class Inst**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.72 | 20.92 | 12.51 | 12.93 |
| 06-GMH | Foreign Value | **Janus Henderson Global Equity Income A: Class A**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.12 | 29.61 | 9.91 | 7.54 |
| 06-CGX | Specialty | **Janus Henderson Global Life Sciences T: Class Other**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.92 | 24.70 | 7.53 | 10.04 |
| 06-156 | Large Cap Blend | **Janus Henderson Growth And Income R: Class Retirement**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.37<br> \* | 19.34 | 11.84 | 12.62 |
| 06-604 | Mid Cap Value | **Janus Henderson Mid Cap Value A: Class A**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.20 | 6.59 | 8.57 | 8.42 |
| 06-888 | Large Cap Growth | **Janus Henderson Research A: Class A**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.03 | 18.19 | 13.84 | 15.53 |
| 06-615 | Small Cap Value | **Janus Henderson Small Cap Value S: Class S**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.49 | 7.34 | 7.10 | 7.27 |
| 06-889 | Small Cap Growth | **Janus Henderson Triton A: Class A**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.31 | 9.32 | 2.22 | 9.21 |
| 06-611 | Balanced | **Janus Henderson VIT Balanced Svc: Class S**<br> Investment Adviser: Janus Henderson Investors US LLC | 0.87 | 14.82 | 8.21 | 9.86 |
| 06-FXX | Large Cap Value | **JPMorgan Equity Income R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.70 | 14.60 | 10.64 |  |
| 06-FYC | Int Government Bond | **JPMorgan Government Bond R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.55<br> \* | 6.87 | -0.58 |  |
| 06-FYG | Mid Cap Growth | **JPMorgan Mid Cap Growth R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.90<br> \* | 8.52 | 4.24 |  |
| 06-FYJ | Mid Cap Value | **JPMorgan Mid Cap Value R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.85<br> \* | 4.83 | 9.61 |  |
| 06-GMN | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2025 R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.42<br> \* | 13.23 | 5.08 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GMP | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2030 R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.42<br> \* | 15.36 | 6.32 |  |
| 06-GMR | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2035 R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.42<br> \* | 17.09 | 7.64 |  |
| 06-GMT | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2040 R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.42<br> \* | 18.47 | 8.60 |  |
| 06-GMV | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2045 R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.42<br> \* | 19.40 | 9.38 |  |
| 06-GMW | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2050 R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.42<br> \* | 20.10 | 9.64 |  |
| 06-GMX | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2055 R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.42<br> \* | 20.04 | 9.66 |  |
| 06-GMY | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2060 R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.42<br> \* | 20.15 | 9.70 |  |
| 06-6RF | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend 2065 R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.42<br> \* | 19.67 |  |  |
| 06-GNC | Mgd Asset Allocation | **JPMorgan SmartRetirement<sup>®</sup> Blend Inc R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.42<br> \* | 12.85 | 4.45 |  |
| 06-FYM | Small Cap Blend | **JPMorgan US Small Company R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.97 | 10.01 | 7.40 |  |
| 06-GJH | Large Cap Value | **JPMorgan Value Advantage R4: Class Retirement**<br> Investment Adviser: J.P. Morgan Investment Management, Inc. | 0.75<br> \* | 9.58 | 11.63 |  |
| 06-36F | Foreign Small/Mid Eqty | **Lord Abbett International Opp R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 1.00 | 24.30 | 4.72 | 6.03 |
| 06-CJT | Multisector Bond | **Lord Abbett Bond Debenture R5: Class Retirement**<br> Investment Adviser: Lord Abbett | 0.70 | 8.62 | 2.42 | 5.08 |
| 06-CJV | Large Cap Blend | **Lord Abbett Dividend Growth R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.64 | 16.43 | 12.71 | 13.41 |
| 06-CJW | Small Cap Growth | **Lord Abbett Developing Growth R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.69 | 14.64 | -0.96 | 11.30 |
| 06-CJX | Large Cap Value | **Lord Abbett Fundamental Equity R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.70 | 17.48 | 13.56 | 11.19 |
| 06-CJY | Large Cap Growth | **Lord Abbett Growth Leaders R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.65 | 16.49 | 8.49 | 16.86 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CKC | Mid Cap Growth | **Lord Abbett Growth Opportunities R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.71<br> \* | 13.54 | 3.62 | 10.77 |
| 06-CKF | High Yield Bond | **Lord Abbett High Yield R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.73 | 7.44 | 3.51 | 5.58 |
| 06-CKG | Mid Cap Value | **Lord Abbett Mid Cap Stock R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.77 | 7.51 | 10.59 | 8.47 |
| 06-CKH | Small Cap Value | **Lord Abbett Small Cap Value R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.96 | 0.91 | 7.52 | 6.89 |
| 06-CKJ | Intermediate Term Bond | **Lord Abbett Total Return R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.46 | 7.46 | 0.27 | 2.45 |
| 06-CKK | Mid Cap Blend | **Lord Abbett Value Opportunities R5: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.94 | 0.89 | 6.06 | 8.07 |
| 06-410 | Mid Cap Growth | **LVIP American Century CapApprecStdII: Class Other**<br> Investment Adviser: Lincoln Financial Investments Corporation<br>Investment Subadviser: American Century Investment Management Inc | 0.79<br> \* | 6.72 | 5.16 | 11.47 |
| 06-008 | World Allocation | **Nomura Asset Strategy Fund Cl Y: Class Inst**<br> Investment Adviser: Delaware Management Company | 1.12 | 16.63 | 8.65 | 8.28 |
| 06-010 | Balanced | **Nomura Balanced Fund Class Y: Class Inst**<br> Investment Adviser: Delaware Management Company | 0.98<br> \* | 11.70 | 7.94 | 8.43 |
| 06-CGR | World Stock | **Nomura Climate Solutions Y: Class Inst**<br> Investment Adviser: Delaware Management Company<br>Investment Subadviser: Van Eck Associates Corporation | 1.24<br> \* | 22.57 | 18.06 | 1.17 |
| 06-012 | High Yield Bond | **Nomura High Income Fund Class Y: Class Inst**<br> Investment Adviser: Delaware Management Company | 0.88<br> \* | 5.67 | 3.51 | 5.50 |
| 06-CGV | Specialty | **Nomura Science and Technology Y: Class Inst**<br> Investment Adviser: Delaware Management Company | 1.17<br> \* | 33.80 | 14.04 | 17.59 |
| 06-FPF | Small Cap Blend | **Nomura Smid Cap Core Y: Class Inst**<br> Investment Adviser: Delaware Management Company | 1.14<br> \* | 8.63 | 8.33 | 9.98 |
| 06-222 | Balanced | **Manning & Napier Pro-Blend Cnsrv Term S: Class S**<br> Investment Adviser: Manning & Napier Advisors, LLC | 0.90 | 7.88 | 2.71 | 4.71 |
| 06-223 | Balanced | **Manning & Napier Pro-Blend Extnd Term S: Class S**<br> Investment Adviser: Manning & Napier Advisors, LLC | 1.02 | 10.03 | 4.34 | 7.07 |
| 06-224 | Balanced | **Manning & Napier Pro-Blend Max Term S: Class S**<br> Investment Adviser: Manning & Napier Advisors, LLC | 1.10 | 12.08 | 7.07 | 10.30 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-226 | Balanced | **Manning & Napier Pro-Blend Mod Term S: Class S**<br> Investment Adviser: Manning & Napier Advisors, LLC | 1.06 | 9.29 | 3.53 | 5.84 |
| 06-058 | Balanced | **MFS Aggressive Growth Allocation R3: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 1.00 | 14.86 | 7.99 | 10.42 |
| 06-059 | Balanced | **MFS Conservative Allocation R3: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.83 | 9.58 | 3.78 | 5.93 |
| 06-014 | Emerging Market Bond | **MFS Emerging Markets Debt R3: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 1.07<br> \* | 12.24 | 1.79 | 4.25 |
| 06-060 | Balanced | **MFS Growth Allocation R3: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.94<br> \* | 13.32 | 6.84 | 9.25 |
| 06-773 | Large Cap Blend | **MFS International Intrinsic Value R3: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.02<br> \* | 32.77 | 7.21 | 9.84 |
| 06-360 | Foreign Small/Mid Eqty | **MFS International New Discovery A: Class A\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.28<br> \* | 16.61 | 2.38 | 5.96 |
| 06-386 | Large Cap Growth | **MFS Massachusetts Inv Gr Stk R3: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.71 | 9.86 | 10.08 | 14.31 |
| 06-365 | Mid Cap Growth | **MFS Mid Cap Growth A: Class A**<br> Investment Adviser: Massachusetts Financial Services Company | 1.02<br> \* | 3.39 | 3.08 | 11.11 |
| 06-891 | Mid Cap Value | **MFS Mid Cap Value R3: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.97<br> \* | 6.09 | 10.02 | 9.72 |
| 06-061 | Balanced | **MFS Moderate Allocation R3: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 0.89 | 11.72 | 5.24 | 7.63 |
| 06-299 | Small Cap Growth | **MFS New Discovery R3: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 1.21<br> \* | 12.36 | -0.70 | 10.22 |
| 06-CMH | Specialty | **MFS Technology R3: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 1.11<br> \* | 16.07 | 12.01 | 18.19 |
| 06-388 | Specialty | **MFS Utilities R3: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 1.00<br> \* | 14.85 | 7.42 | 9.33 |
| 06-375 | Large Cap Value | **MFS Value A: Class A**<br> Investment Adviser: Massachusetts Financial Services Company | 0.79<br> \* | 12.87 | 9.80 | 9.95 |
| 06-399 | Mid Cap Blend | **Monteagle Opportunity Equity Instl: Class Inst**<br> Investment Adviser: Park Place Capital Corporation | 1.31 | 10.35 | 9.91 | 10.91 |
| 06-GJK | Mid Cap Value | **Neuberger M/C Intrinsic Val A: Class A**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.21<br> \* | 10.81 | 9.73 | 7.64 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-015 | Diversified Emerging Markets | **Neuberger Emerg Mkts Eq A: Class A**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.35<br> \* | 34.95 | 3.04 | 7.05 |
| 06-880 | World Stock | **Neuberger Focus Adv: Class Adv**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.33 | 20.83 | 7.99 | 10.39 |
| 06-900 | Large Cap Value | **Neuberger Large Cap Value Adv: Class Adv**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.10 | 20.25 | 10.34 | 12.64 |
| 06-868 | Small Cap Growth | **Neuberger Small Cap Growth A: Class A**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.27<br> \* | 9.66 | 3.48 | 12.55 |
| 06-CNY | Large Cap Blend | **Neuberger Quality Equity A: Class A**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.05 | 17.16 | 13.68 | 13.26 |
| 06-832 | Balanced | **North Square Multi Strategy I: Class Inst**<br> Investment Adviser: North Square Investments, LLC<br>Investment Subadviser: CSM Advisors, LLC | 1.33 | 12.45 | 8.85 | 10.22 |
| 06-627 | Small Cap Blend | **North Square Spectrum Alpha I: Class Inst**<br> Investment Adviser: North Square Investments, LLC<br>Investment Subadviser: CSM Advisors, LLC | 2.06 | 9.70 | 5.02 | 8.87 |
| 06-492 | Small Cap Value | **Northern Small Cap Value: Class No Load**<br> Investment Adviser: Northern Trust Investments Inc | 0.51<br> \* | 10.50 | 8.78 | 7.89 |
| 06-434 | Intermediate Term Bond | **Nuveen Bond Index Retirement: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.32 | 6.84 | -0.72 | 1.62 |
| 06-433 | Large Cap Blend | **Nuveen Core Equity Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.65 | 13.80 | 13.52 | 13.83 |
| 06-CNK | Intermediate Term Bond | **Nuveen Core Impact Bond Retirement: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.60 | 7.35 | -0.33 | 2.06 |
| 06-939 | Intermediate Term Bond | **Nuveen Core Plus Bond R: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.55 | 7.07 | 0.22 | 2.59 |
| 06-892 | Large Cap Value | **Nuveen Dividend Value A: Class A**<br> Investment Adviser: Nuveen Fund Advisors, LLC.<br>Investment Subadviser: Nuveen Asset Management, LLC | 0.95<br> \* | 14.57 | 10.87 | 9.71 |
| 06-020 | Diversified Emerging Markets | **Nuveen Emerging Markets Eq Idx Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.41 | 33.82 | 3.61 | 7.94 |
| 06-428 | Foreign Blend | **Nuveen International Eq Idx Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.30 | 31.27 | 8.75 | 8.09 |
| 06-6J9 | Foreign Growth | **Nuveen International Opps A: Class A**<br> Investment Adviser: Teachers Advisors LLC | 0.95 | 19.87 | 1.40 | 7.25 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-431 | Large Cap Growth | **Nuveen Large Cap Gr Idx Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.30 | 18.21 | 14.98 | 17.77 |
| 06-942 | Large Cap Growth | **Nuveen Large Cap Growth R: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.66 | 15.30 | 11.23 | 15.50 |
| 06-432 | Large Cap Blend | **Nuveen Large Cap Responsible Eq Ret: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.42 | 16.36 | 11.65 | 13.40 |
| 06-429 | Large Cap Value | **Nuveen Large Cap Value Idx Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.30 | 15.55 | 11.00 | 10.21 |
| 06-943 | Large Cap Value | **Nuveen Large Cap Value Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.66 | 17.21 | 12.46 | 10.51 |
| 06-032 | Mgd Asset Allocation | **Nuveen Lifecycle Index 2010 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 11.76 | 4.22 | 6.02 |
| 06-033 | Mgd Asset Allocation | **Nuveen Lifecycle Index 2015 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 12.67 | 4.69 | 6.51 |
| 06-034 | Mgd Asset Allocation | **Nuveen Lifecycle Index 2020 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 13.43 | 5.15 | 7.05 |
| 06-035 | Mgd Asset Allocation | **Nuveen Lifecycle Index 2025 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 14.19 | 5.76 | 7.74 |
| 06-036 | Mgd Asset Allocation | **Nuveen Lifecycle Index 2030 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 15.44 | 6.57 | 8.53 |
| 06-037 | Mgd Asset Allocation | **Nuveen Lifecycle Index 2035 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 16.69 | 7.50 | 9.36 |
| 06-038 | Mgd Asset Allocation | **Nuveen Lifecycle Index 2040 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 18.55 | 8.70 | 10.30 |
| 06-039 | Mgd Asset Allocation | **Nuveen Lifecycle Index 2045 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 19.79 | 9.53 | 10.95 |
| 06-040 | Mgd Asset Allocation | **Nuveen Lifecycle Index 2050 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 20.43 | 9.85 | 11.18 |
| 06-041 | Mgd Asset Allocation | **Nuveen Lifecycle Index 2055 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 20.64 | 9.99 | 11.32 |
| 06-CMV | Mgd Asset Allocation | **Nuveen Lifecycle Index 2060 Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 20.81 | 10.14 | 11.44 |
| 06-4XT | Mgd Asset Allocation | **Nuveen Lifecycle Index 2065 Ret: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 20.96 | 10.26 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-042 | Mgd Asset Allocation | **Nuveen Lifecycle Index Ret Inc Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.35<br> \* | 12.68 | 4.53 | 6.10 |
| 06-4CX | Balanced | **Nuveen Lifestyle Aggressive Gr A: Class A**<br> Investment Adviser: Teachers Advisors LLC | 0.99<br> \* | 19.56 | 9.59 | 11.08 |
| 06-3XV | Balanced | **Nuveen Lifestyle Growth A: Class A**<br> Investment Adviser: Teachers Advisors LLC | 0.92<br> \* | 17.00 | 7.74 | 9.45 |
| 06-237 | Mid Cap Growth | **Nuveen Small/Mid Cap Growth Opp A: Class A**<br> Investment Adviser: Nuveen Fund Advisors, LLC.<br>Investment Subadviser: Nuveen Asset Management, LLC | 1.13<br> \* | 7.65 | 1.26 | 9.02 |
| 06-234 | Mid Cap Value | **Nuveen Mid Cap Value Opportunities A: Class A**<br> Investment Adviser: Nuveen Fund Advisors, LLC.<br>Investment Subadviser: Nuveen Asset Management, LLC | 1.13<br> \* | 9.69 | 11.03 | 10.02 |
| 06-76C | Mid Cap Value | **Nuveen Mid Cap Value A: Class A**<br> Investment Adviser: Teachers Advisors LLC | 0.81 | 9.83 | 10.41 | 8.22 |
| 06-944 | Mid Cap Growth | **Nuveen Quant Mid Cap Growth Retire: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.75 | 4.22 | -1.30 | 7.80 |
| 06-324 | Specialty | **Nuveen Real Estate Securities A: Class A**<br> Investment Adviser: Nuveen Fund Advisors, LLC.<br>Investment Subadviser: Nuveen Asset Management, LLC | 1.18<br> \* | 2.32 | 4.98 | 4.69 |
| 06-239 | Small Cap Blend | **Nuveen Small Cap Select A: Class A**<br> Investment Adviser: Nuveen Fund Advisors, LLC.<br>Investment Subadviser: Nuveen Asset Management, LLC | 1.19<br> \* | 7.50 | 7.92 | 10.17 |
| 06-242 | Small Cap Value | **Nuveen Small Cap Value A: Class A**<br> Investment Adviser: Nuveen Fund Advisors, LLC.<br>Investment Subadviser: Nuveen Asset Management, LLC | 1.20<br> \* | 2.96 | 9.19 | 6.67 |
| 06-497 | Large Cap Blend | **Parnassus Core Equity Investor: Class Inv**<br> Investment Adviser: Parnassus Investments LLC | 0.81 | 11.64 | 11.41 | 13.32 |
| 06-496 | Mid Cap Growth | **Parnassus Mid Cap Growth Investor: Class No Load**<br> Investment Adviser: Parnassus Investments LLC | 0.80<br> \* | 9.19 | 3.54 | 8.97 |
| 06-498 | Mid Cap Blend | **Parnassus Mid-Cap: Class No Load**<br> Investment Adviser: Parnassus Investments LLC | 0.95 | 12.85 | 5.01 | 9.01 |
| 06-568 | Balanced | **Impax Sustainable Allocation Inv: Class Inv**<br> Investment Adviser: Impax Asset Management LLC | 0.93 | 10.86 | 5.38 | 7.68 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-569 | World Stock | **Impax Global Environmental Markets Inv: Class Inv**<br> Investment Adviser: Impax Asset Management LLC<br>Investment Subadviser: Impax Asset Management Ltd | 1.14 | 13.74 | 5.58 | 9.70 |
| 06-501 | Emerging Market Bond | **Payden Emerging Markets Bond: Class Inv**<br> Investment Adviser: Payden & Rygel | 0.74 | 15.26 | 2.42 | 4.92 |
| 06-467 | Multisector Bond | **Payden Managed Income Adviser: Class Adv**<br> Investment Adviser: Payden & Rygel | 0.91<br> \* | 6.53 | 3.86 | 3.29 |
| 06-3FP | Specialty | **PGIM Global Real Estate R4: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Real Estate;PGIM Real Estate (UK) Limited; | 1.05<br> \* | 9.11 | 3.27 |  |
| 06-526 | Specialty | **PGIM Global Real Estate Z: Class Inst\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Real Estate;PGIM Real Estate (UK) Limited; | 0.96 | 9.21 | 3.38 | 4.20 |
| 06-6CF | World Bond | **PGIM Global Total Return R4: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income | 0.83<br> \* | 10.80 | -2.33 |  |
| 06-3FJ | High Yield Bond | **PGIM High Yield R4: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income;PGIM Limited; | 0.66<br> \* | 8.84 | 4.31 |  |
| 06-532 | High Yield Bond | **PGIM High Yield Z: Class Inst\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income;PGIM Limited; | 0.51 | 9.00 | 4.47 | 6.46 |
| 06-3FG | Mid Cap Growth | **PGIM Jennison Mid-Cap Growth R4: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.83<br> \* | -2.50 | 2.22 |  |
| 06-457 | Specialty | **PGIM Jennison Financial Services Z: Class Inst\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 1.04 | 12.01 | 13.58 | 11.95 |
| 06-063 | Large Cap Growth | **PGIM Jennison Focused Growth Z: Class Inst\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.75<br> \* | 16.22 | 8.07 | 16.02 |
| 06-459 | Specialty | **PGIM Jennison Health Sciences Z: Class Inst\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.88 | 19.59 | 6.98 | 9.84 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-462 | Mid Cap Growth | **PGIM Jennison Mid-Cap Growth Z: Class Inst\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.72 | -2.43 | 2.33 | 9.94 |
| 06-454 | Specialty | **PGIM Jennison Natural Resources Z: Class Inst\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.92 | 39.07 | 17.12 | 11.45 |
| 06-3FW | Small Cap Growth | **PGIM Jennison Small Company R4: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.93<br> \* | 7.13 | 7.44 |  |
| 06-593 | Small Cap Growth | **PGIM Jennison Small Company Z: Class Inst\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 0.82 | 7.22 | 7.57 | 10.82 |
| 06-064 | Mid Cap Value | **PGIM Quant Solutions Mid-Cap Val Z: Class Inst\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM LLC | 0.88<br> \* | 13.06 | 11.48 | 7.84 |
| 06-3FV | Mid Cap Value | **PGIM Quant Solutions Mid-Cap Val R4: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM LLC | 0.98<br> \* | 12.93 | 11.37 |  |
| 06-3FM | Intermediate Term Bond | **PGIM Total Return Bond R4: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income | 0.64<br> \* | 7.52 | -0.10 |  |
| 06-537 | Intermediate Term Bond | **PGIM Total Return Bond Z: Class Inst\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income | 0.49<br> \* | 7.69 | 0.04 | 2.91 |
| 06-706 | Balanced | **PIMCO All Asset Admin: Class Other**<br> Investment Adviser: Pacific Investment Management Company, LLC<br>Investment Subadviser: Research Affiliates LLC | 2.09<br> \* | 14.35 | 5.53 | 6.80 |
| 06-018 | Specialty | **PIMCO Commodity Real Ret Strat Admin: Class Other**<br> Investment Adviser: Pacific Investment Management Company, LLC | 1.15<br> \* | 18.90 | 10.64 | 6.53 |
| 06-760 | High Yield Bond | **PIMCO High Yield Admin: Class Other**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.87<br> \* | 8.30 | 3.68 | 5.36 |
| 06-768 | Multisector Bond | **PIMCO Income Adm: Class Other**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.79 | 10.77 | 3.64 | 4.83 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CNN | Intermediate Term Bond | **PIMCO Investment Grade Credit Bond Adm: Class Other**<br> Investment Adviser: Pacific Investment Management Company, LLC | 1.20 | 8.23 | -0.03 | 3.25 |
| 06-33M | Specialty | **PIMCO Long Duration Total Return A: Class A**<br> Investment Adviser: Pacific Investment Management Company, LLC | 4.29 | 8.33 | -4.37 |  |
| 06-33N | Specialty | **PIMCO Long-Term US Government A: Class A**<br> Investment Adviser: Pacific Investment Management Company, LLC | 4.01 | 6.06 | -7.10 | -0.16 |
| 06-707 | Inflation-Protec Bond | **PIMCO Real Return Admin: Class Other**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.80 | 7.90 | 1.15 | 3.13 |
| 06-291 | Intermediate Term Bond | **PIMCO Total Return Admin: Class Other**<br> Investment Adviser: Pacific Investment Management Company, LLC | 0.78 | 9.06 | 0.07 | 2.31 |
| 06-897 | Intermediate Term Bond | **Putnam Diversified Income Y: Class Inst**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Putnam Investment Management, LLC;<br>Franklin Templeton Investment Management; | 0.74 | 8.98 | 1.86 | 3.23 |
| 06-GNP | Balanced | **Putnam Dynamic Asset Allocation Bal Y: Class Inst**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Putnam Advisory Company, LLC;<br>Franklin Templeton Inv Mgmt Ltd;Putnam Investment Management, LLC; | 0.65 | 15.14 | 8.67 | 8.73 |
| 06-GNV | Balanced | **Putnam Dynamic Asset Allocation Cnsrv Y: Class Inst**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Putnam Advisory Company, LLC;<br>Franklin Templeton Inv Mgmt Ltd;Putnam Investment Management, LLC; | 0.71 | 11.15 | 4.27 | 5.31 |
| 06-GNY | Balanced | **Putnam Dynamic Asset Allocation Gr Y: Class Inst**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Franklin Templeton Inv Mgmt Ltd;<br>Putnam Investment Management, LLC;Putnam Advisory Company LLC; | 0.73 | 18.70 | 10.82 | 10.56 |
| 06-899 | Large Cap Growth | **Putnam Large Cap Growth Y: Class Inst**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc.;<br>Franklin Templeton Investment Management; | 0.68 | 14.53 | 13.67 | 17.85 |
| 06-FCF | Large Cap Value | **Putnam Large Cap Value Y: Class Inst**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc.;<br>Franklin Templeton Investment Management; | 0.63 | 20.34 | 15.46 | 13.44 |

---

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-747 | Diversified Emerging Markets | **Russell Inv Emerging Markets S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Axiom Investors, LLC;Numeric Investors LLC;<br>Barrow Hanley Mewhinney & Strauss LLC;Sands Capital Management, <br>LLC;Pzena Investment Management, LLC;Oaktree Fund Advisors, LLC; | 1.19<br> \* | 34.00 | 4.16 | 7.27 |
| 06-736 | World Stock | **Russell Inv Global Equity S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Algert Global LLC;Wellington Management <br>Company LLP;Sanders Capital, LLC;Intermede Investment Partners;<br>Intermede Global Partners Inc; | 0.98<br> \* | 21.22 | 11.96 | 11.72 |
| 06-489 | Specialty | **Russell Inv Global Infrastructure S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Cohen & Steers Asia Limited;Cohen & Steers <br>UK Limited;Cohen & Steers Capital Management, Inc.;Nuveen Asset <br>Management, LLC;First Sentier Investors (Australia) IM Ltd; | 1.01<br> \* | 19.87 | 8.89 | 8.21 |
| 06-488 | Multisector Bond | **Russell Inv Opportunistic Credit S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Voya Investment Management Co. LLC;Marathon <br>Asset Management LP;Barings LLC;Baring International Investment Ltd; | 0.74<br> \* | 8.61 | 3.29 | 4.82 |
| 06-739 | Specialty | **Russell Inv Global Real Estate Secs S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Cohen & Steers Asia Limited;Cohen & Steers <br>UK Limited;DWS Investments Australia Limited;RREEF America L.L.C.;<br>Cohen & Steers Capital Management, Inc.;DWS Alternatives Global Limited; | 1.09<br> \* | 8.39 | 2.28 | 3.32 |
| 06-737 | Foreign Blend | **Russell Inv International Devd Mkts S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Wellington Management Company LLP;<br>Pzena Investment Management, LLC;Intermede Global Partners Inc; | 0.97<br> \* | 28.61 | 8.50 | 7.53 |
| 06-738 | Intermediate Term Bond | **Russell Inv Investment Grade Bond S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Schroder Investment Management <br>North America Inc.;MetLife Investment Management, LLC; | 0.51<br> \* | 7.27 | -0.81 | 1.83 |
| 06-659 | Balanced | **Russell Inv LifePoints Balanced Strat R1: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC | 0.93<br> \* | 15.27 | 6.81 | 6.52 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-661 | Balanced | **Russell Inv Lifepoints Cnsrv Strat R1: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC | 0.69<br> \* | 9.55 | 1.93 | 3.42 |
| 06-664 | Balanced | **Russell Inv Lifepoints Moderate Strat R1: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC | 0.77<br> \* | 12.48 | 4.38 | 4.83 |
| 06-663 | Balanced | **Russell LfPts Aggr Strat R1: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC | 0.94<br> \* | 17.99 | 9.09 | 8.29 |
| 06-662 | Balanced | **Russell LfPts EqAggrStrat R1: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC | 0.93<br> \* | 19.26 | 10.25 | 9.04 |
| 06-741 | Intermediate Term Bond | **Russell Inv Strategic Bond S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: RBC Global Asset Management (U.S.) Inc.;<br>RBC Global Asset Management (UK) Limited;Schroder Investment <br>Management North America Inc.;Allspring Global Investments, LLC; | 0.56<br> \* | 7.51 | -0.94 | 1.94 |
| 06-744 | Large Cap Blend | **Russell Sustnbl Aware Eq S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Mar Vista Investment Partners, LLC;<br>Beutel, Goodman & Company Ltd.;Jacobs Levy Equity Management, Inc.;<br>Nomura Investments Fund Advisers; | 1.10<br> \* | 12.06 | 10.86 | 11.94 |
| 06-742 | Large Cap Value | **Russell Inv Equity Income S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Barrow Hanley Mewhinney & Strauss LLC;<br>Brandywine Global Investment Mgmt, LLC; | 0.83<br> \* | 14.51 | 10.84 | 11.30 |
| 06-749 | Small Cap Blend | **Russell Inv US Small Cap Equity S: Class S**<br> Investment Adviser: Russell Investment Management, LLC<br>Investment Subadviser: Ancora Advisors LLC;Calamos Advisors LLC;<br>DePrince Race & Zollo Inc;Jacobs Levy Equity Management, Inc.;<br>Lord, Abbett & Co LLC;Ranger Investment Management LP;<br>Penn Capital Management Company LLC;Boston Partners Global <br>Investors, Inc;Copeland Capital Management, LLC; | 1.08<br> \* | 8.72 | 7.17 | 9.21 |
| 06-225 | Large Cap Blend | **State Street Equity 500 Index Adm: Class Other**<br> Investment Adviser: SSGA Funds Management, Inc. | 0.17<br> \* | 17.63 | 14.18 | 14.57 |
| 06-029 | World Stock | **Steward Global Equity Income Fund A: Class A**<br> Investment Adviser: Crossmark Global Investments, Inc. | 1.26 | 21.47 | 10.05 | 10.72 |
| 06-030 | Large Cap Blend | **Steward Values Enhanced Lg Cap A: Class A**<br> Investment Adviser: Crossmark Global Investments, Inc. | 0.86 | 16.57 | 13.58 | 13.03 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-031 | Small Cap Blend | **Steward Values Enhanced SmMidCapA: Class Other**<br> Investment Adviser: Crossmark Global Investments, Inc. | 0.83 | 5.73 | 7.76 | 9.09 |
| 06-720 | Large Cap Growth | **T. Rowe Price Blue Chip Growth R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.21 | 18.16 | 11.12 | 15.05 |
| 06-755 | Europe Stock | **T. Rowe Price European Stock: Class Inv**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price International Ltd | 1.05 | 21.53 | 5.76 | 6.38 |
| 06-308 | Large Cap Growth | **T. Rowe Price Growth Stock Adv: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.91 | 15.33 | 9.07 | 13.85 |
| 06-715 | Foreign Growth | **T. Rowe Price International Stock R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price International Ltd | 1.40<br> \* | 17.81 | 3.45 | 6.64 |
| 06-309 | Foreign Value | **T. Rowe Price International Value Eq Adv: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price International Ltd | 1.08 | 43.57 | 13.56 | 8.58 |
| 06-790 | Mid Cap Growth | **T. Rowe Price Mid-Cap Growth R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Investment Management,Inc. | 1.29 | 3.04 | 3.39 | 9.34 |
| 06-311 | Mid Cap Value | **T. Rowe Price Mid-Cap Value Adv: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.10 | 5.88 | 11.53 | 10.75 |
| 06-573 | Mgd Asset Allocation | **T. Rowe Price Retirement 2005 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.74 | 11.01 | 4.40 | 6.01 |
| 06-574 | Mgd Asset Allocation | **T. Rowe Price Retirement 2010 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.74 | 11.46 | 4.72 | 6.42 |
| 06-774 | Mgd Asset Allocation | **T. Rowe Price Retirement 2015 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.74 | 11.83 | 5.05 | 6.89 |
| 06-777 | Mgd Asset Allocation | **T. Rowe Price Retirement 2020 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.76 | 12.23 | 5.34 | 7.42 |
| 06-779 | Mgd Asset Allocation | **T. Rowe Price Retirement 2025 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.78 | 12.71 | 5.76 | 8.03 |
| 06-782 | Mgd Asset Allocation | **T. Rowe Price Retirement 2030 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.80 | 14.10 | 6.51 | 8.77 |
| 06-784 | Mgd Asset Allocation | **T. Rowe Price Retirement 2035 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.83 | 15.84 | 7.42 | 9.50 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-787 | Mgd Asset Allocation | **T. Rowe Price Retirement 2040 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.84 | 17.16 | 8.17 | 10.12 |
| 06-791 | Mgd Asset Allocation | **T. Rowe Price Retirement 2045 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.85 | 18.23 | 8.77 | 10.55 |
| 06-793 | Mgd Asset Allocation | **T. Rowe Price Retirement 2050 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.87 | 18.53 | 8.95 | 10.63 |
| 06-796 | Mgd Asset Allocation | **T. Rowe Price Retirement 2055 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.88 | 18.70 | 8.97 | 10.63 |
| 06-CMP | Mgd Asset Allocation | **T. Rowe Price Retirement 2060 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.89 | 18.63 | 8.96 | 10.62 |
| 06-63R | Mgd Asset Allocation | **T. Rowe Price Retirement 2065 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.89 | 18.61 | 9.11 |  |
| 06-7F4 | Mgd Asset Allocation | **T. Rowe Price Retirement 2070 Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.89 |  |  |  |
| 06-798 | Balanced | **T. Rowe Price Retirement Balanced Adv: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.74 | 10.90 | 4.46 | 6.02 |
| 06-CNG | Foreign Value | **Templeton Foreign Adv: Class Adv**<br> Investment Adviser: Templeton Global Advisors Limited | 0.85<br> \* | 28.77 | 9.04 | 6.86 |
| 06-CNH | World Bond | **Templeton Global Bond Adv: Class Adv**<br> Investment Adviser: Franklin Advisers, Inc. | 0.74<br> \* | 17.14 | -1.00 | 0.20 |
| 06-CNJ | World Stock | **Templeton Growth Adv: Class Adv**<br> Investment Adviser: Templeton Global Advisors Limited | 0.78 | 23.92 | 8.19 | 7.18 |
| 06-316 | Foreign Blend | **Thornburg International Equity R5: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 0.90<br> \* | 34.15 | 9.23 | 9.21 |
| 06-986 | World Allocation | **Thornburg Investment Income Builder R5: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 1.02<br> \* | 36.78 | 15.09 | 11.05 |
| 06-953 | Short Term Bond | **Thornburg Limited Term Income R5: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 0.49<br> \* | 7.09 | 1.94 | 2.98 |
| 06-104 | Short Term Gov Bond | **Thornburg Limited Term US Government R3: Class Retirement\*\***<br> Investment Adviser: Thornburg Investment Management Inc | 1.17<br> \* | 6.47 | 0.42 | 1.14 |
| 06-109 | Mid Cap Blend | **Thornburg Small/Mid Cap Core R3: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 1.45<br> \* | -0.86 | 4.20 | 7.70 |
| 06-314 | Mid Cap Growth | **Thornburg Small/Mid Cap Growth R5: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 0.95<br> \* | 4.83 | -0.79 | 7.75 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-699 | Large Cap Growth | **Touchstone Dynamic Large Cap Growth A: Class A**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Los Angeles Capital Management LLC | 1.01<br> \* | 17.67 | 14.26 | 16.31 |
| 06-703 | Multisector Bond | **Touchstone Flexible Income A: Class A**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Bramshill Investments LLC | 1.07<br> \* | 6.18 | 2.41 | 3.65 |
| 06-624 | Large Cap Blend | **Touchstone Focused Y: Class No Load**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Fort Washington Investment Advisors Inc | 0.87 | 16.00 | 12.36 | 12.89 |
| 06-GPH | Mid Cap Growth | **Touchstone Mid Cap Growth A: Class A**<br> Investment Adviser: Touchstone Advisors Inc;<br>Westfield Capital Management Company, L.P.; | 1.21 | 9.17 | 6.11 | 11.74 |
| 06-701 | Foreign Blend | **Touchstone Non-US Equity A: Class A**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Rockefeller & Co. LLC | 1.15 | 29.85 | 10.15 | 10.31 |
| 06-702 | Large Cap Value | **Touchstone Value A: Class A**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Barrow Hanley Mewhinney & Strauss LLC | 1.08<br> \* | 11.29 | 11.88 | 10.66 |
| 06-47X | World Allocation | **T. Rowe Price Global Allocation Advisor: Class Adv**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Hong Kong Limited;<br>T. Rowe Price Singapore Private Ltd;T. Rowe Price Japan, Inc;<br>T. Rowe Price International Ltd;T. Rowe Price Australia Limited; | 1.25<br> \* | 14.78 | 5.76 | 7.58 |
| 06-580 | Large Cap Value | **T. Rowe Price Equity Income Port: Class Inst**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.73 | 14.36 | 11.17 | 10.51 |
| 06-ZYP | Small Cap Growth | **Vanguard VIF Small Co Gr: Class – N/A\*\*\***<br> Investment Adviser: ArrowMark Colorado Holdings, LLC <br>(ArrowMark Partners) | 0.29 | 6.11 | 3.81 | 9.61 |
| 06-021 | Multisector Bond | **Victory Pioneer Active Credit Y: Class Inst**<br> Investment Adviser: Victory Capital Management Inc. | 0.61<br> \* | 7.51 | 4.05 |  |
| 06-823 | Intermediate Term Bond | **Victory Pioneer Bond Y: Class Inst**<br> Investment Adviser: Victory Capital Management Inc. | 0.47 | 8.88 | 0.69 | 2.94 |
| 06-828 | Large Cap Value | **Victory Pioneer Equity Income Y: Class Inst**<br> Investment Adviser: Victory Capital Management Inc. | 0.80<br> \* | 11.38 | 9.11 | 9.36 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-626 | Large Cap Growth | **Victory Pioneer Fundamental Growth Y: Class Inst**<br> Investment Adviser: Victory Capital Management Inc. | 0.76<br> \* | 14.23 | 11.96 | 14.39 |
| 06-590 | Large Cap Blend | **Victory Pioneer Fund VCT – Class I: Class Inst**<br> Investment Adviser: Victory Capital Management Inc. | 0.75<br> \* | 23.36 | 14.98 | 15.75 |
| 06-GGJ | World Stock | **Victory Pioneer Global Equity Y: Class Inst**<br> Investment Adviser: Victory Capital Management Inc. | 0.74<br> \* | 41.54 | 15.86 | 13.23 |
| 06-829 | High Yield Bond | **Victory Pioneer High Yield Y: Class Inst**<br> Investment Adviser: Victory Capital Management Inc. | 0.85<br> \* | 7.94 | 4.22 | 5.71 |
| 06-831 | Mid Cap Value | **Victory Pioneer Mid Cap Value Y: Class Inst**<br> Investment Adviser: Victory Capital Management Inc. | 0.97<br> \* | 10.91 | 11.08 | 8.94 |
| 06-591 | Mid Cap Growth | **Victory Pioneer Sel Mid Cp Gr VCT – Cl I: Class No Load**<br> Investment Adviser: Victory Capital Management Inc. | 0.86<br> \* | 20.48 | 5.73 | 11.93 |
| 06-CGG | Multisector Bond | **Victory Pioneer Strategic Income Y: Class Inst**<br> Investment Adviser: Victory Capital Management Inc. | 0.69<br> \* | 10.63 | 2.38 | 4.14 |
| 06-581 | Mid Cap Value | **Victory Sycamore Established Value A: Class A\*\*\***<br> Investment Adviser: Victory Capital Management Inc. | 0.89 | 2.33 | 9.57 | 10.60 |
| 06-582 | Small Cap Value | **Victory Sycamore Small Company Opp A: Class A\*\*\***<br> Investment Adviser: Victory Capital Management Inc. | 1.23 | 1.41 | 6.66 | 9.19 |
| 06-GFG | Foreign Small/Mid Eqty | **Victory Trivalent International Sm-Cp A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 1.35<br> \* | 41.45 | 7.79 | 8.63 |
| 06-803 | Large Cap Value | **Virtus Ceredex Large-Cap Value Equity I: Class Inst**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Ceredex Value Advisors LLC | 0.97<br> \* | 12.08 | 8.94 | 9.62 |
| 06-806 | Mid Cap Value | **Virtus Ceredex Mid-Cap Value Equity I: Class Inst**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Ceredex Value Advisors LLC | 1.01 | 17.66 | 9.77 | 9.99 |
| 06-808 | Small Cap Blend | **Virtus Ceredex Small-Cap Value Eq I: Class Inst**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Ceredex Value Advisors LLC | 0.82<br> \* | 1.61 | 7.76 | 7.96 |
| 06-6WR | Large Cap Value | **Virtus NFJ Dividend Value Inst: Class Inst**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: NFJ Investment Group LLC – Dallas | 0.70<br> \* | 8.43 | 8.79 | 8.55 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-6WT | Mid Cap Value | **Virtus NFJ Mid-Cap Value Inst: Class Inst**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: NFJ Investment Group LLC – Dallas | 0.65<br> \* | 5.71 | 7.16 | 8.77 |
| 06-6WV | Small Cap Value | **Virtus NFJ Small-Cap Value Inst: Class Inst**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: NFJ Investment Group LLC – Dallas | 0.82<br> \* | 1.40 | 6.83 | 6.21 |
| 06-6WC | High Yield Bond | **Virtus Seix High Yield A: Class A**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Seix Investment Advisors | 0.82<br> \* | 7.15 | 3.62 | 5.75 |
| 06-811 | Intermediate Term Bond | **Virtus Seix Total Return Bond A: Class A**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Seix Investment Advisors | 0.70<br> \* | 6.63 | -0.93 | 1.70 |
| 06-6KM | Small Cap Growth | **Voya Small Cap Growth I: Class Inst**<br> Investment Adviser: Voya Investments, LLC<br>Investment Subadviser: Voya Investment Management Co. LLC | 0.95 | 14.49 | 8.11 | 13.13 |
| 06-713 | Intermediate Term Bond | **Western Asset Core Plus Bond FI: Class Other**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: Western Asset Management Company Pte Ltd. – <br>Singapore;Western Asset Management Company, LLC;Western <br>Asset Management Company Ltd. – Japan;Western Asset Management <br>Company Limited; | 0.79 | 7.61 | -2.18 | 1.76 |
| 06-7FX | Mgd Asset Allocation | **Nuveen Lifecycle 2070 Retirement: Class Retirement**<br> Investment Adviser: Teachers Advisors LLC | 0.70<br> \* |  |  |  |
| 06-4TH | Mid Cap Blend | **AMG GW&K Small Mid Cap Core N: Class N\*\*\***<br> Investment Adviser: AMG Funds LLC<br>Investment Subadviser: GW&K Investment Management, LLC | 1.07 | 4.40 | 6.34 |  |
| 06-4HH | Mid Cap Growth | **Invesco Discovery Mid Cap Growth R: Class Retirement\*\*\***<br> Investment Adviser: Invesco Advisers, Inc. | 1.30 | 4.51 | 3.51 | 10.80 |
| 06-4HG | Mid Cap Blend | **Invesco Main Street Mid Cap R: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 1.30 | 8.64 | 8.72 | 9.46 |
| 06-960 | Small Cap Growth | **Lord Abbett Developing Growth P: Class Other\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.14 | 14.11 | -1.41 | 10.86 |
| 06-965 | Mid Cap Growth | **Lord Abbett Growth Opportunities P: Class Other\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.16<br> \* | 13.07 | 3.15 | 10.26 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-970 | Mid Cap Value | **Lord Abbett Mid Cap Stock P: Class Other\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.22 | 7.05 | 10.09 | 7.99 |
| 06-025 | Mid Cap Blend | **Lord Abbett Value Opportunities P: Class Other\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.39 | 0.40 | 5.57 | 7.58 |
| 06-980 | Small Cap Value | **Lord Abbett Small Cap Value P: Class Other\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.41 | 0.44 | 7.03 | 6.40 |
| 06-895 | Small Cap Growth | **Neuberger Small Cap Growth Adv: Class Adv\*\*\***<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.61<br> \* | 9.50 | 3.33 | 12.35 |
| 06-725 | Balanced | **Oakmark Equity And Income Investor: Class Inv\*\*\***<br> Investment Adviser: Harris Associates L.P. | 0.85 | 11.06 | 8.44 | 8.52 |
| 06-196 | Large Cap Growth | **Alger Capital Appreciation Instl R: Class Retirement**<br> Investment Adviser: Fred Alger Management, LLC | 1.69 | 31.39 | 15.50 | 17.30 |
| 06-198 | Small Cap Growth | **Alger Small Cap Growth Institutional R: Class Retirement**<br> Investment Adviser: Fred Alger Management, LLC | 1.88 | 4.33 | -5.71 | 7.91 |
| 06-697 | Large Cap Growth | **American Century Disciplined Growth A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.16<br> \* | 16.95 | 13.06 | 15.08 |
| 06-722 | Intermediate Term Bond | **American Century Diversified Bond A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 0.85 | 6.79 | -0.75 | 1.52 |
| 06-204 | Diversified Emerging Markets | **American Century Emerging Markets A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.52 | 34.94 | 1.17 | 7.32 |
| 06-175 | Large Cap Blend | **American Century Equity Growth A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 0.90 | 18.14 | 12.08 | 12.41 |
| 06-285 | Large Cap Value | **American Century Equity Income A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.19 | 11.63 | 7.50 | 8.70 |
| 06-435 | Int Government Bond | **American Century Ginnie Mae A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 0.80 | 7.14 | -0.58 | 0.82 |
| 06-445 | Large Cap Growth | **American Century Growth A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.09<br> \* | 14.94 | 12.46 | 15.79 |
| 06-290 | Mid Cap Growth | **American Century Heritage A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.25 | 6.40 | 4.84 | 11.16 |
| 06-185 | Inflation-Protec Bond | **American Century Inflation Adjs Bond A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 0.79 | 6.32 | 0.59 | 2.44 |
| 06-325 | Foreign Growth | **American Century International Gr A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.47 | 15.31 | 1.29 | 5.88 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-3VH | Foreign Small/Mid Eqty | **American Century International Opps A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.71<br> \* | 29.38 | 0.73 | 6.26 |
| 06-355 | Large Cap Value | **American Century Focused Lg Cap Val A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.09 | 16.11 | 10.21 | 9.50 |
| 06-395 | Mid Cap Value | **American Century Mid Cap Value A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.22 | 8.64 | 8.49 | 8.77 |
| 06-404 | Mgd Asset Allocation | **American Century One Choice 2030 A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.05<br> \* | 11.17 | 4.58 | 6.53 |
| 06-406 | Mgd Asset Allocation | **American Century One Choice 2035 A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.08<br> \* | 12.02 | 4.93 | 7.01 |
| 06-407 | Mgd Asset Allocation | **American Century One Choice 2040 A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.10<br> \* | 12.88 | 5.32 | 7.55 |
| 06-408 | Mgd Asset Allocation | **American Century One Choice 2045 A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.12<br> \* | 13.78 | 5.79 | 8.13 |
| 06-409 | Mgd Asset Allocation | **American Century One Choice 2050 A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.13<br> \* | 14.40 | 6.31 | 8.68 |
| 06-437 | Mgd Asset Allocation | **American Century One Choice 2055 A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.14<br> \* | 15.12 | 6.76 | 9.00 |
| 06-CKR | Mgd Asset Allocation | **American Century One Choice 2060 A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.14<br> \* | 15.46 | 7.00 | 9.20 |
| 06-63T | Mgd Asset Allocation | **American Century One Choice 2065 A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.14<br> \* | 15.70 | 7.15 |  |
| 06-426 | Mgd Asset Allocation | **American Century One Choice In Ret A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.01<br> \* | 10.66 | 4.32 | 5.76 |
| 06-380 | Specialty | **American Century Real Estate A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.40 | 0.56 | 4.83 | 4.69 |
| 06-240 | Large Cap Growth | **American Century Select A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.15<br> \* | 15.99 | 12.51 | 15.60 |
| 06-200 | Small Cap Growth | **American Century Small Cap Growth A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.39 | 8.77 | 2.69 | 11.93 |
| 06-390 | Small Cap Value | **American Century Small Cap Value A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.33 | -3.57 | 6.77 | 8.67 |
| 06-385 | Small Cap Blend | **American Century Small Company A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.10 | 12.68 | 6.09 | 7.54 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-405 | Balanced | **American Century Strat Allc: Cnsrv A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.08<br> \* | 10.36 | 4.37 | 5.98 |
| 06-400 | Balanced | **American Century Strat Allc: Agrsv A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.04<br> \* | 15.43 | 7.70 | 9.44 |
| 06-415 | Balanced | **American Century Strat Allc: Mod A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.08<br> \* | 13.43 | 6.10 | 7.88 |
| 06-430 | Large Cap Growth | **American Century Ultra<sup>®</sup> A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.12<br> \* | 12.34 | 11.43 | 16.84 |
| 06-698 | Large Cap Value | **American Century Value A: Class A**<br> Investment Adviser: American Century Investment Management Inc | 1.20<br> \* | 15.39 | 11.03 | 9.66 |
| 06-957 | Mgd Asset Allocation | **American Funds 2010 Trgt Date Ret Inc R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.92 | 12.43 | 5.05 | 5.94 |
| 06-959 | Mgd Asset Allocation | **American Funds 2015 Trgt Date Ret Inc R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.94 | 12.62 | 5.24 | 6.27 |
| 06-971 | Mgd Asset Allocation | **American Funds 2020 Trgt Date Ret Inc R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.94 | 13.56 | 5.56 | 6.71 |
| 06-973 | Mgd Asset Allocation | **American Funds 2025 Trgt Date Ret Inc R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.95 | 13.77 | 5.69 | 7.41 |
| 06-976 | Mgd Asset Allocation | **American Funds 2030 Trgt Date Retire R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.97 | 14.99 | 6.60 | 8.45 |
| 06-978 | Mgd Asset Allocation | **American Funds 2035 Trgt Date Retire R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.98 | 16.38 | 7.66 | 9.67 |
| 06-981 | Mgd Asset Allocation | **American Funds 2040 Trgt Date Retire R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.00 | 18.75 | 8.82 | 10.53 |
| 06-983 | Mgd Asset Allocation | **American Funds 2045 Trgt Date Retire R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.01 | 19.62 | 9.11 | 10.78 |
| 06-996 | Mgd Asset Allocation | **American Funds 2050 Trgt Date Retire R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.01 | 19.72 | 9.11 | 10.85 |
| 06-998 | Mgd Asset Allocation | **American Funds 2055 Trgt Date Retire R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.02 | 19.99 | 9.14 | 10.87 |
| 06-CGC | Mgd Asset Allocation | **American Funds 2060 Trgt Date Retire R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.03 | 20.01 | 9.14 | 10.86 |
| 06-4PY | Mgd Asset Allocation | **American Funds 2065 Trgt Date Retire R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.03 | 19.95 | 9.14 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-6YC | Mgd Asset Allocation | **American Funds 2070 Trgt Date Retire R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.03 | 20.12 |  |  |
| 06-182 | Large Cap Growth | **American Funds AMCAP R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.97 | 17.38 | 10.12 | 12.31 |
| 06-447 | Balanced | **American Funds American Balanced R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.89 | 18.08 | 9.21 | 9.43 |
| 06-184 | High Yield Bond | **American Funds American High-Inc R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.01 | 7.96 | 5.20 | 6.34 |
| 06-183 | World Stock | **American Funds Capital World Gr&Inc R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.06 | 24.33 | 9.91 | 10.52 |
| 06-181 | Foreign Growth | **American Funds EUPAC R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.12 | 28.35 | 3.91 | 7.75 |
| 06-213 | Large Cap Blend | **American Funds Fundamental Invs R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.92 | 23.85 | 14.08 | 13.70 |
| 06-179 | Large Cap Growth | **American Funds Growth Fund of Amer R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.93 | 19.52 | 11.44 | 14.77 |
| 06-186 | Short Term Bond | **American Funds Interm Bd Fd of Amer R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.89<br> \* | 6.48 | 0.74 | 1.69 |
| 06-502 | World Stock | **American Funds New Perspective R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.05 | 20.85 | 8.66 | 12.31 |
| 06-691 | Diversified Emerging Markets | **American Funds New World R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.22 | 27.76 | 4.93 | 9.20 |
| 06-333 | World Stock | **American Funds SMALLCAP World R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 1.30 | 13.70 | 1.12 | 8.54 |
| 06-449 | Large Cap Value | **American Funds Washington Mutual R3: Class Retirement**<br> Investment Adviser: Capital Research and Management Company | 0.91 | 16.76 | 13.57 | 12.75 |
| 06-527 | World Allocation | **BlackRock Global Allocation R: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 1.47<br> \* | 18.91 | 5.10 | 6.85 |
| 06-CGN | Specialty | **BlackRock Health Sciences Opps R: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC | 1.44<br> \* | 15.55 | 5.20 | 9.16 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-CHR | High Yield Bond | **BlackRock High Yield R: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited | 1.15 | 8.57 | 4.42 | 5.80 |
| 06-GHJ | Mid Cap Growth | **BlackRock Mid-Cap Growth Equity R: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC | 1.30<br> \* | -0.07 | 0.26 | 10.85 |
| 06-901 | Intermediate Term Bond | **BlackRock Total Return R: Class Retirement**<br> Investment Adviser: BlackRock Advisors, LLC<br>Investment Subadviser: BlackRock International Limited;<br>BlackRock (Singapore) Ltd; | 1.04<br> \* | 7.58 | -0.74 | 1.83 |
| 06-714 | World Bond | **BrandywineGLOBAL Global Opp Bond R: Class Retirement**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: Brandywine Global Investment Mgmt, LLC | 1.23 | 12.75 | -3.12 | 1.35 |
| 06-345 | Large Cap Growth | **Calvert Equity A: Class A**<br> Investment Adviser: Calvert Research and Management<br>Investment Subadviser: Atlanta Capital Management Company,LLC | 0.91 | 6.95 | 7.76 | 12.79 |
| 06-520 | Mid Cap Blend | **Calvert VP SRI Mid Cap: Class – N/A**<br> Investment Adviser: Calvert Research and Management | 0.99<br> \* | 1.46 | 2.95 | 6.91 |
| 06-717 | Large Cap Blend | **ClearBridge Appreciation R: Class Retirement**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 1.24 | 13.91 | 12.16 | 12.72 |
| 06-716 | Mid Cap Growth | **ClearBridge Growth R: Class Retirement**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 1.45 | 13.01 | 4.46 | 7.29 |
| 06-GJX | Large Cap Growth | **ClearBridge Large Cap Growth R: Class Retirement**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: ClearBridge Investments, LLC | 1.33 | 8.13 | 9.95 | 13.77 |
| 06-693 | Foreign Small/Mid Eqty | **Columbia Acorn International A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.22<br> \* | 12.12 | -1.09 | 4.25 |
| 06-902 | Large Cap Blend | **Columbia Contrarian Core A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.98 | 17.10 | 13.84 | 13.96 |
| 06-903 | Large Cap Value | **Columbia Dividend Income A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.90 | 15.55 | 11.78 | 12.04 |
| 06-438 | Emerging Market Bond | **Columbia Emerging Markets Bond A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.11 | 12.62 | 1.44 | 4.09 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-FTM | Foreign Value | **Columbia Overseas Value A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.16<br> \* | 45.26 | 12.77 | 9.21 |
| 06-913 | Small Cap Value | **Columbia Select Small Cap Value A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.22<br> \* | 5.51 | 8.16 | 7.77 |
| 06-4NK | World Stock | **Columbia Select Global Equity A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.22<br> \* | 17.39 | 8.74 | 12.88 |
| 06-912 | Large Cap Value | **Columbia Select Large Cap Value A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.85<br> \* | 27.61 | 13.63 | 12.42 |
| 06-911 | Mid Cap Value | **Columbia Select Mid Cap Value A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.13 | 13.62 | 11.06 | 10.19 |
| 06-441 | Specialty | **Columbia Seligman Tech & Info A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.16 | 37.39 | 19.14 | 22.49 |
| 06-64X | Small Cap Value | **Columbia Sm Cp Val and Inflection A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 1.21<br> \* | 7.93 | 9.50 | 8.87 |
| 06-914 | Intermediate Term Bond | **Columbia Quality Income A: Class A**<br> Investment Adviser: Columbia Mgmt Investment Advisers, LLC | 0.90<br> \* | 9.28 | -0.92 | 1.40 |
| 06-FNF | Large Cap Value | **DWS CROCI US A: Class A**<br> Investment Adviser: DWS Investment Management Americas, Inc. | 0.98 | 16.64 | 11.91 | 9.38 |
| 06-3VN | Diversified Emerging Markets | **DWS Emerging Markets Equity A: Class A**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: DWS International GmbH | 1.17<br> \* | 28.64 | 0.21 | 6.52 |
| 06-916 | Specialty | **DWS Enhanced Commodity Strategy A: Class A**<br> Investment Adviser: DWS Investment Management Americas, Inc. | 1.10<br> \* | 11.51 | 8.80 | 4.18 |
| 06-FPY | Int Government Bond | **DWS GNMA A: Class A**<br> Investment Adviser: DWS Investment Management Americas, Inc. | 0.84<br> \* | 8.34 | -0.24 | 1.06 |
| 06-622 | Large Cap Blend | **DWS Enhanced Core Equity A: Class A**<br> Investment Adviser: DWS Investment Management Americas, Inc. | 0.80<br> \* | 18.70 | 14.98 | 12.22 |
| 06-917 | Specialty | **DWS RREEF Global Infrastructure A: Class A**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: RREEF America L.L.C. | 1.26<br> \* | 12.35 | 7.17 | 6.83 |
| 06-621 | World Allocation | **DWS RREEF Real Assets A: Class A**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: RREEF America L.L.C. | 1.14<br> \* | 12.80 | 6.21 | 6.75 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-613 | Specialty | **DWS RREEF Real Estate Securities A: Class A**<br> Investment Adviser: DWS Investment Management Americas, Inc.<br>Investment Subadviser: RREEF America L.L.C. | 1.00 | -0.53 | 3.97 | 4.98 |
| 06-GGK | Small Cap Blend | **DWS Small Cap Core A: Class A**<br> Investment Adviser: DWS Investment Management Americas, Inc. | 1.15 | 4.72 | 9.48 | 10.01 |
| 06-CHH | Foreign Blend | **Federated Hermes International Equity A: Class A**<br> Investment Adviser: Federated Global Investment Management Corp | 1.19<br> \* | 26.93 | 4.50 | 7.94 |
| 06-065 | Foreign Blend | **Federated Hermes International Leaders A: Class A**<br> Investment Adviser: Federated Global Investment Management Corp | 1.09<br> \* | 36.91 | 8.55 | 8.04 |
| 06-066 | Large Cap Growth | **Federated Hermes Kaufmann Large Cap A: Class A**<br> Investment Adviser: Federated Global Investment Management Corp | 1.09<br> \* | 17.56 | 8.99 | 13.31 |
| 06-067 | Large Cap Blend | **Federated Hermes MDT All Cap Core A: Class A**<br> Investment Adviser: Federated MDTA LLC | 1.05<br> \* | 19.89 | 16.69 | 15.91 |
| 06-4FR | Small Cap Blend | **Federated Hermes MDT Small Cap Core A: Class A**<br> Investment Adviser: Federated MDTA LLC | 1.14<br> \* | 13.82 | 9.34 | 11.42 |
| 06-FTW | Small Cap Growth | **Federated Hermes MDT Small Cap Growth A: Class A**<br> Investment Adviser: Federated MDTA LLC | 1.14<br> \* | 16.79 | 6.18 | 11.46 |
| 06-918 | High Yield Bond | **Federated Hermes Opportunistic HY Bd Svc: Class Inst**<br> Investment Adviser: Federated Investment Management Company | 0.98<br> \* | 8.20 | 4.24 | 5.90 |
| 06-7CN | Large Cap Value | **Fidelity Advisor<sup>®</sup> Equity Dividend Inc M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.06 |  |  |  |
| 06-FVC | Balanced | **Fidelity Advisor<sup>®</sup> Balanced M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.01 | 14.58 |  |  |
| 06-280 | Foreign Growth | **Fidelity Advisor Diversified Intl M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd;FIL Investment Advisors (FIA);<br>FIL Investment Advisors (UK) Ltd; | 1.36 | 27.10 | 6.06 | 7.81 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-045 | Large Cap Blend | **Fidelity Advisor Diversified Stock M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd; | 1.08 | 13.21 | 13.25 | 14.54 |
| 06-120 | Large Cap Growth | **Fidelity Advisor Equity Growth M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.16 | 13.98 | 12.87 | 16.67 |
| 06-195 | Mgd Asset Allocation | **Fidelity Advisor Freedom 2010 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.96 | 10.77 | 2.72 | 5.07 |
| 06-101 | Mgd Asset Allocation | **Fidelity Advisor Freedom 2015 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.00 | 12.33 | 3.46 | 5.88 |
| 06-102 | Mgd Asset Allocation | **Fidelity Advisor Freedom 2020 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.05 | 14.03 | 4.15 | 6.58 |
| 06-103 | Mgd Asset Allocation | **Fidelity Advisor Freedom 2025 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.09 | 15.50 | 4.88 | 7.23 |
| 06-106 | Mgd Asset Allocation | **Fidelity Advisor Freedom 2030 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.11 | 16.59 | 5.67 | 8.13 |
| 06-107 | Mgd Asset Allocation | **Fidelity Advisor Freedom 2035 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.15 | 18.16 | 7.00 | 9.29 |
| 06-108 | Mgd Asset Allocation | **Fidelity Advisor Freedom 2040 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.17 | 20.83 | 8.49 | 10.18 |
| 06-284 | Mgd Asset Allocation | **Fidelity Advisor Freedom 2045 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.19 | 22.34 | 9.02 | 10.45 |
| 06-286 | Mgd Asset Allocation | **Fidelity Advisor Freedom 2050 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.19 | 22.43 | 9.03 | 10.45 |
| 06-394 | Mgd Asset Allocation | **Fidelity Advisor Freedom 2055 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.19 | 22.43 | 9.03 | 10.45 |
| 06-CHG | Mgd Asset Allocation | **Fidelity Advisor Freedom 2060 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.19 | 22.40 | 9.02 | 10.45 |
| 06-63V | Mgd Asset Allocation | **Fidelity Advisor Freedom 2065 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.19 | 22.49 | 9.03 |  |
| 06-77W | Mgd Asset Allocation | **Fidelity Advisor Freedom 2070 M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 1.19 | 21.89 |  |  |

---

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-111 | Mgd Asset Allocation | **Fidelity Advisor Freedom Retirement M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC | 0.96 | 9.75 | 2.06 | 3.84 |
| 06-125 | Large Cap Growth | **Fidelity Advisor Growth Opps M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.21 | 21.85 | 10.76 | 19.59 |
| 06-155 | Foreign Growth | **Fidelity Advisor Intl Cap App M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd;FIL Investment Advisors (FIA);<br>FIL Investment Advisors (UK) Ltd; | 1.39 | 18.13 | 5.65 | 9.08 |
| 06-233 | Large Cap Blend | **Fidelity Advisor<sup>®</sup> Leveraged CoStock M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.23 | 19.67 |  |  |
| 06-166 | Large Cap Growth | **Fidelity Advisor New Insights M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.15 | 22.41 | 14.91 | 15.17 |
| 06-275 | Small Cap Blend | **Fidelity Advisor Small Cap M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.45 | 11.58 | 8.64 | 9.09 |
| 06-841 | Large Cap Blend | **Fidelity Advisor Stock Sel M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.04 | 18.24 | 11.77 | 13.39 |
| 06-270 | Mid Cap Blend | **Fidelity Advisor Stock Selec Mid Cp M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (HK) Ltd; | 1.22 | 9.87 | 8.54 | 10.12 |

---

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-043 | Balanced | **Fidelity Advisor Strategic Div & Inc M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd; | 1.17 | 12.44 | 7.58 | 8.73 |
| 06-044 | Intermediate Term Bond | **Fidelity Advisor Total Bond M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;FIL Investment <br>Advisors (FIA);FIL Investment Advisors (UK) Ltd;Fidelity Management & <br>Research (HK) Ltd; | 0.75 | 7.18 | 0.27 | 2.76 |
| 06-323 | Mid Cap Value | **Fidelity Advisor Value M: Class M**<br> Investment Adviser: Fidelity Management & Research Company LLC<br>Investment Subadviser: FMR Investment Management (U.K.) Limited;<br>Fidelity Management & Research (Japan) Limited;Fidelity Management & <br>Research (Hong Kong) Ltd; | 1.32 | 10.82 | 12.00 | 10.57 |
| 06-915 | Intermediate Term Bond | **Franklin Core Plus Bond Fund R: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.97<br> \* | 6.97 | 1.55 | 2.82 |
| 06-CMW | Large Cap Growth | **Franklin Growth Opportunities R: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 1.14 | 7.70 | 6.71 | 12.64 |
| 06-818 | Large Cap Growth | **Franklin Growth R: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 1.03 | 14.97 | 9.34 | 13.48 |
| 06-724 | Balanced | **Franklin Income R: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 0.96 | 11.71 | 7.37 | 7.23 |
| 06-726 | World Stock | **Franklin Mutual Global Discovery R: Class Retirement**<br> Investment Adviser: Franklin Mutual Advisers, LLC | 1.46 | 23.08 | 11.70 | 8.38 |
| 06-248 | Small Cap Value | **Franklin Small Cap Value R: Class Retirement\*\*\***<br> Investment Adviser: Franklin Mutual Advisers, LLC | 1.22<br> \* | 7.01 | 8.45 | 9.43 |
| 06-890 | Mid Cap Growth | **Franklin Small-Mid Cap Growth R: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 1.09<br> \* | 2.50 | 0.94 | 9.92 |
| 06-FPN | Specialty | **Franklin Utilities R: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 1.05 | 14.73 | 10.50 | 10.42 |
| 06-251 | World Allocation | **Goldman Sachs Growth Allocation Svc: Class S**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 1.02<br> \* | 18.66 | 8.82 | 9.26 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-368 | Foreign Blend | **Goldman Sachs Intl Eq Insghts S: Class S**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 1.32<br> \* | 39.99 | 10.86 | 8.99 |
| 06-CKY | Large Cap Growth | **Goldman Sachs Large Cap Gr Insghts Svc: Class S**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 1.06<br> \* | 14.98 | 14.03 | 15.71 |
| 06-068 | Large Cap Value | **Goldman Sachs Large Cp Val Insghts Svc: Class S**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 1.06<br> \* | 14.75 | 11.75 | 10.08 |
| 06-253 | Mid Cap Blend | **Goldman Sachs Mid Cap Value Svc: Class S**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 1.34 | 9.10 | 9.52 | 9.54 |
| 06-729 | Mid Cap Growth | **Goldman Sachs Mid Cap Growth Svc: Class S**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 1.35<br> \* | 6.95 | 4.35 | 11.19 |
| 06-256 | Small Cap Value | **Goldman Sachs Small Cap Value Svc: Class S**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 1.47<br> \* | 10.16 | 6.93 | 7.51 |
| 06-069 | Large Cap Blend | **Goldman Sachs US Equity Insights Svc: Class S**<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 1.07<br> \* | 14.94 | 13.40 | 13.38 |
| 06-CGJ | Cash | **Goldman Sachs FS Government Res: Class Other\*\***<br> Investment Adviser: Goldman Sachs Asset Management, L.P. | 0.83 | 3.54 | 2.69 | 1.63 |
| 06-39R | Mid Cap Growth | **Hartford MidCap R3: Class Retirement**<br> Investment Adviser: Hartford Funds Management Company, LLC<br>Investment Subadviser: Wellington Management Company | 1.47 | -1.21 | -0.46 | 7.29 |
| 06-954 | Large Cap Blend | **JH Adaptive Risk Mgd U.S. Eq S: Class S**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.09 | 12.94 | 10.28 | 10.86 |
| 06-924 | Balanced | **Invesco Active Allocation A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 0.98 | 15.53 | 5.76 | 7.57 |
| 06-023 | Large Cap Growth | **Invesco American Franchise A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 0.93 | 11.56 | 10.28 | 14.73 |
| 06-772 | Large Cap Value | **Invesco Comstock R: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 1.05 | 16.85 | 14.96 | 11.62 |
| 06-317 | Large Cap Value | **Invesco Comstock Select A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 0.92 | 18.45 | 14.86 | 11.37 |
| 06-926 | Intermediate Term Bond | **Invesco Core Bond A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 0.71<br> \* | 6.55 | -0.64 | 2.07 |
| 06-466 | Diversified Emerging Markets | **Invesco Developing Markets A: Class A**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Asset Management Ltd | 1.28 | 28.33 | -0.53 | 6.00 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-4H9 | Mid Cap Growth | **Invesco Discovery Mid Cap Growth A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.05 | 4.78 | 3.77 | 11.08 |
| 06-816 | Large Cap Value | **Invesco Diversified Dividend A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 0.82 | 15.46 | 10.70 | 9.03 |
| 06-835 | Specialty | **Invesco Energy A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.23 | 12.36 | 23.31 | 5.42 |
| 06-193 | Foreign Growth | **Invesco EQV International Equity R: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 1.52 | 15.62 | 3.02 | 5.52 |
| 06-071 | Specialty | **Invesco Floating Rate ESG A: Class A**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Senior Secured Management Inc | 1.14 | 4.53 | 5.40 | 5.02 |
| 06-763 | World Stock | **Invesco Global A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.05 | 15.24 | 7.05 | 10.78 |
| 06-556 | World Stock | **Invesco Global Opportunities A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.14 | 7.12 | -7.43 | 5.30 |
| 06-288 | Multisector Bond | **Invesco Global Strategic Income A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.05 | 12.79 | 1.55 | 2.90 |
| 06-463 | Specialty | **Invesco Gold & Special Minerals A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.05 | 131.03 | 17.54 | 21.07 |
| 06-845 | Specialty | **Invesco Health Care A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.05 | 15.49 | 3.72 | 6.39 |
| 06-297 | World Bond | **Invesco International Bond A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.04<br> \* | 16.86 | 0.15 | 2.82 |
| 06-139 | Foreign Small/Mid Eqty | **Invesco International Small-Mid Com R: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 1.63 | 16.45 | -1.05 | 6.12 |
| 06-764 | Foreign Small/Mid Eqty | **Invesco International Small-Mid Com A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.37 | 16.74 | -0.80 | 6.40 |
| 06-766 | Large Cap Blend | **Invesco Main Street All Cap A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.03 | 18.80 | 14.13 | 13.41 |
| 06-262 | Mid Cap Blend | **Invesco Main Street Mid Cap A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.04 | 8.92 | 8.99 | 9.73 |
| 06-319 | Foreign Growth | **Invesco International Growth A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.10 | 15.81 | 2.01 | 5.59 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-078 | Specialty | **Invesco Senior Floating Rate A: Class A**<br> Investment Adviser: Invesco Advisers, Inc.<br>Investment Subadviser: Invesco Senior Secured Management Inc | 1.12 | 5.04 | 6.56 | 4.53 |
| 06-595 | Small Cap Growth | **Invesco Small Cap Growth R: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 1.41 | 5.43 | -1.14 | 8.69 |
| 06-855 | Specialty | **Invesco Technology A: Class A**<br> Investment Adviser: Invesco Advisers, Inc. | 1.02 | 19.83 | 10.12 | 15.51 |
| 06-813 | Mid Cap Value | **Invesco Value Opportunities R: Class Retirement**<br> Investment Adviser: Invesco Advisers, Inc. | 1.27 | 19.87 | 19.55 | 13.88 |
| 06-612 | Balanced | **Janus Henderson Balanced R: Class Retirement**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.32 | 14.30 | 7.73 | 9.41 |
| 06-CMF | Mid Cap Growth | **Janus Henderson Enterprise S: Class S**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.16 | 7.22 | 7.19 | 12.24 |
| 06-154 | Large Cap Growth | **Janus Henderson Forty R: Class Retirement**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.31 | 17.54 | 10.93 | 15.33 |
| 06-GMK | Foreign Value | **Janus Henderson Global Equity Income S: Class S**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.20 | 29.53 | 9.87 |  |
| 06-CGW | Specialty | **Janus Henderson Global Life Sciences S: Class S**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.19 | 24.35 | 7.23 | 9.74 |
| 06-156 | Large Cap Blend | **Janus Henderson Growth And Income R: Class Retirement**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.37<br> \* | 19.34 | 11.84 | 12.62 |
| 06-261 | Mid Cap Value | **Janus Henderson Mid Cap Value R: Class Retirement**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.57 | 6.18 | 8.20 | 8.07 |
| 06-919 | Large Cap Growth | **Janus Henderson Research S: Class S**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.23 | 17.96 | 13.62 | 15.34 |
| 06-615 | Small Cap Value | **Janus Henderson Small Cap Value S: Class S**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.49 | 7.34 | 7.10 | 7.27 |
| 06-921 | Small Cap Growth | **Janus Henderson Triton S: Class S**<br> Investment Adviser: Janus Henderson Investors US LLC | 1.17 | 9.25 | 2.17 | 9.16 |
| 06-072 | Multisector Bond | **Lord Abbett Bond-Debenture R3: Class Retirement**<br> Investment Adviser: Lord Abbett | 1.20 | 8.07 | 1.92 | 4.54 |
| 06-424 | Large Cap Blend | **Lord Abbett Dividend Growth R3: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 1.14 | 15.87 | 12.14 | 12.85 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-369 | Small Cap Growth | **Lord Abbett Developing Growth R3: Class Retirement\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.19 | 14.10 | -1.45 | 10.75 |
| 06-731 | Large Cap Value | **Lord Abbett Fundamental Equity R3: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 1.20 | 16.92 | 13.00 | 10.63 |
| 06-951 | Large Cap Growth | **Lord Abbett Growth Leaders R3: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 1.15 | 15.91 | 7.95 | 16.26 |
| 06-371 | Mid Cap Growth | **Lord Abbett Growth Opportunities R3: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 1.21<br> \* | 12.99 | 3.10 | 10.21 |
| 06-073 | High Yield Bond | **Lord Abbett High Yield R3: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 1.23 | 6.91 | 3.00 | 5.05 |
| 06-36C | Foreign Small/Mid Eqty | **Lord Abbett International Opp R3: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 1.50 | 23.63 | 4.20 | 5.51 |
| 06-961 | Mid Cap Value | **Lord Abbett Mid Cap Stock R3: Class Retirement\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.27 | 7.03 | 10.04 | 7.95 |
| 06-962 | Small Cap Value | **Lord Abbett Small Cap Value R3: Class Retirement\*\*\***<br> Investment Adviser: Lord, Abbett & Co LLC | 1.46 | 0.36 | 6.98 | 6.35 |
| 06-952 | Intermediate Term Bond | **Lord Abbett Total Return R3: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 0.96 | 6.92 | -0.21 | 1.94 |
| 06-968 | Mid Cap Blend | **Lord Abbett Value Opportunities R3: Class Retirement**<br> Investment Adviser: Lord, Abbett & Co LLC | 1.44 | 0.37 | 5.53 | 7.54 |
| 06-007 | World Allocation | **Nomura Asset Strategy Fund Cl R: Class Retirement**<br> Investment Adviser: Delaware Management Company | 1.37 | 16.31 | 8.31 | 7.92 |
| 06-009 | Balanced | **Nomura Balanced Fund Class R: Class Retirement**<br> Investment Adviser: Delaware Management Company | 1.23<br> \* | 11.44 | 7.62 | 8.08 |
| 06-CGP | World Stock | **Nomura Climate Solutions R: Class Retirement**<br> Investment Adviser: Delaware Management Company<br>Investment Subadviser: Van Eck Associates Corporation | 1.49<br> \* | 22.32 | 17.74 | 0.84 |
| 06-011 | High Yield Bond | **Nomura High Income Fund Class R: Class Retirement**<br> Investment Adviser: Delaware Management Company | 1.13<br> \* | 5.40 | 3.20 | 5.15 |
| 06-CGT | Specialty | **Nomura Science and Technology R: Class Retirement**<br> Investment Adviser: Delaware Management Company | 1.42<br> \* | 33.46 | 13.69 | 17.19 |
| 06-FPP | Small Cap Blend | **Nomura Smid Cap Core R: Class Retirement**<br> Investment Adviser: Delaware Management Company | 1.39<br> \* | 8.37 | 8.03 | 9.65 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-074 | Balanced | **MFS Aggressive Growth Allocation R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.25 | 14.57 | 7.71 | 10.14 |
| 06-075 | Balanced | **MFS Conservative Allocation R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.08 | 9.25 | 3.51 | 5.67 |
| 06-013 | Emerging Market Bond | **MFS Emerging Markets Debt R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.32<br> \* | 11.94 | 1.53 | 3.99 |
| 06-076 | Balanced | **MFS Growth Allocation R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.19<br> \* | 13.03 | 6.58 | 8.98 |
| 06-822 | Foreign Blend | **MFS International Intrinsic Value R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.27<br> \* | 32.49 | 6.95 | 9.57 |
| 06-379 | Foreign Small/Mid Eqty | **MFS International New Discovery R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.53<br> \* | 16.34 | 2.13 | 5.69 |
| 06-387 | Large Cap Growth | **MFS Massachusetts Inv Gr Stk R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 0.96 | 9.61 | 9.81 | 14.03 |
| 06-74Y | Mid Cap Growth | **MFS Mid Cap Growth R2: Class Retirement**<br> Investment Adviser: Massachusetts Financial Services Company | 1.27<br> \* | 3.12 | 2.81 | 10.84 |
| 06-922 | Mid Cap Value | **MFS Mid Cap Value R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.22<br> \* | 5.84 | 9.74 | 9.45 |
| 06-077 | Balanced | **MFS Moderate Allocation R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.14 | 11.41 | 4.97 | 7.35 |
| 06-298 | Small Cap Growth | **MFS New Discovery R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.46<br> \* | 12.10 | -0.95 | 9.95 |
| 06-CMG | Specialty | **MFS Technology R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.36<br> \* | 15.77 | 11.73 | 17.89 |
| 06-389 | Specialty | **MFS Utilities R2: Class Retirement\*\*\***<br> Investment Adviser: Massachusetts Financial Services Company | 1.25<br> \* | 14.54 | 7.16 | 9.06 |
| 06-105 | Mid Cap Blend | **Monteagle Opportunity Equity Inv: Class Inv**<br> Investment Adviser: Park Place Capital Corporation | 1.81 | 9.68 | 8.74 | 9.04 |
| 06-GJM | Mid Cap Value | **Neuberger M/C Intrinsic Val R3: Class Retirement**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.46<br> \* | 10.55 | 9.45 | 7.38 |
| 06-016 | Diversified Emerging Markets | **Neuberger Emerg Mkts Eq R3: Class Retirement**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.60<br> \* | 34.38 | 2.62 | 6.62 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-880 | World Stock | **Neuberger Focus Adv: Class Adv**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.33 | 20.83 | 7.99 | 10.39 |
| 06-900 | Large Cap Value | **Neuberger Large Cap Value Adv: Class Adv**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.10 | 20.25 | 10.34 | 12.64 |
| 06-867 | Small Cap Growth | **Neuberger Small Cap Growth R3: Class Retirement**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.52<br> \* | 9.38 | 3.22 | 12.27 |
| 06-CPC | Large Cap Blend | **Neuberger Quality Equity R3: Class Retirement**<br> Investment Adviser: Neuberger Berman Investment Advisers LLC | 1.30 | 16.86 | 13.38 | 12.98 |
| 06-839 | Balanced | **North Square Multi Strategy A: Class A**<br> Investment Adviser: North Square Investments, LLC<br>Investment Subadviser: CSM Advisors, LLC | 1.58 | 12.21 | 8.55 | 9.89 |
| 06-629 | Small Cap Blend | **North Square Spectrum Alpha Fund A: Class A**<br> Investment Adviser: North Square Investments, LLC<br>Investment Subadviser: CSM Advisors, LLC | 2.31 | 9.45 | 4.76 | 8.58 |
| 06-4CX | Balanced | **Nuveen Lifestyle Aggressive Gr A: Class A**<br> Investment Adviser: Teachers Advisors LLC | 0.99<br> \* | 19.56 | 9.59 | 11.08 |
| 06-468 | Multisector Bond | **Payden Managed Income Retire: Class Retirement**<br> Investment Adviser: Payden & Rygel | 1.16<br> \* | 6.27 | 3.61 | 3.04 |
| 06-3FN | Specialty | **PGIM Global Real Estate R2: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Real Estate;PGIM Real Estate (UK) Limited; | 1.30<br> \* | 8.85 | 3.02 |  |
| 06-531 | Specialty | **PGIM Global Real Estate A: Class A\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Real Estate;PGIM Real Estate (UK) Limited; | 1.37 | 8.77 | 2.97 | 3.76 |
| 06-3FH | High Yield Bond | **PGIM High Yield R2: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income;PGIM Limited; | 0.91<br> \* | 8.79 | 4.09 |  |
| 06-533 | High Yield Bond | **PGIM High Yield A: Class A\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income;PGIM Limited; | 0.74 | 8.75 | 4.22 | 6.19 |
| 06-456 | Specialty | **PGIM Jennison Financial Services A: Class A\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 1.31 | 11.74 | 13.26 | 11.61 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-079 | Large Cap Growth | **PGIM Jennison Focused Growth A: Class A\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 1.02<br> \* | 15.89 | 7.77 | 15.69 |
| 06-458 | Specialty | **PGIM Jennison Health Sciences A: Class A\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 1.15 | 19.27 | 6.68 | 9.53 |
| 06-461 | Mid Cap Growth | **PGIM Jennison Mid-Cap Growth A: Class A\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 1.04 | -2.75 | 1.99 | 9.60 |
| 06-3FF | Mid Cap Growth | **PGIM Jennison Mid-Cap Growth R2: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 1.08<br> \* | -2.76 | 1.96 |  |
| 06-453 | Specialty | **PGIM Jennison Natural Resources A: Class A\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 1.26 | 38.59 | 16.70 | 11.04 |
| 06-589 | Small Cap Growth | **PGIM Jennison Small Company A: Class A\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 1.12 | 6.88 | 7.22 | 10.47 |
| 06-3FR | Small Cap Growth | **PGIM Jennison Small Company R2: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: Jennison Associates LLC | 1.18<br> \* | 6.86 | 7.17 |  |
| 06-080 | Mid Cap Value | **PGIM Quant Solutions Mid-Cap Val A: Class A\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM LLC | 1.13<br> \* | 12.78 | 11.19 | 7.56 |
| 06-3FT | Mid Cap Value | **PGIM Quant Solutions Mid-Cap Val R2: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM LLC | 1.23<br> \* | 12.67 | 11.09 |  |
| 06-538 | Intermediate Term Bond | **PGIM Total Return Bond A: Class A\*\*\***<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income | 0.75<br> \* | 7.48 | -0.22 | 2.65 |
| 06-3FK | Intermediate Term Bond | **PGIM Total Return Bond R2: Class Retirement**<br> Investment Adviser: PGIM Investments LLC<br>Investment Subadviser: PGIM Fixed Income | 0.89<br> \* | 7.34 | -0.35 |  |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-017 | Balanced | **PIMCO All Asset R: Class Retirement**<br> Investment Adviser: Pacific Investment Management Company, LLC<br>Investment Subadviser: Research Affiliates LLC | 2.49<br> \* | 13.91 | 5.07 | 6.32 |
| 06-019 | Specialty | **PIMCO Commodity Real Ret Strat R: Class Retirement**<br> Investment Adviser: Pacific Investment Management Company, LLC | 1.55<br> \* | 18.54 | 10.18 | 6.05 |
| 06-705 | High Yield Bond | **PIMCO High Yield R: Class Retirement**<br> Investment Adviser: Pacific Investment Management Company, LLC | 1.22<br> \* | 7.92 | 3.32 | 4.99 |
| 06-769 | Multisector Bond | **PIMCO Income R: Class Retirement**<br> Investment Adviser: Pacific Investment Management Company, LLC | 1.19 | 10.33 | 3.22 | 4.41 |
| 06-708 | Inflation-Protec Bond | **PIMCO Real Return R: Class Retirement**<br> Investment Adviser: Pacific Investment Management Company, LLC | 1.20 | 7.47 | 0.74 | 2.72 |
| 06-680 | Intermediate Term Bond | **PIMCO Total Return R: Class Retirement**<br> Investment Adviser: Pacific Investment Management Company, LLC | 1.12 | 8.69 | -0.27 | 1.95 |
| 06-FHX | Intermediate Term Bond | **Principal Bond Market Index R3: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC | 0.69 | 6.45 | -1.06 | 1.23 |
| 06-CVG | Foreign Blend | **Principal International Equity Index R3: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC | 0.87 | 30.43 | 8.13 | 7.42 |
| 06-FPW | Mid Cap Blend | **Principal MidCap S&P 400 Index R3: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC | 0.73 | 6.72 | 8.31 | 9.91 |
| 06-FPX | Small Cap Blend | **Principal SmallCap S&P 600 Index R3: Class Retirement**<br> Investment Adviser: Principal Global Investors LLC | 0.73 | 5.32 | 6.47 | 9.00 |
| 06-936 | Intermediate Term Bond | **Putnam Diversified Income A: Class A**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Putnam Investment Management, LLC;<br>Franklin Templeton Investment Management; | 0.99 | 8.58 | 1.61 | 2.96 |
| 06-GNM | Balanced | **Putnam Dynamic Asset Allocation Bal A: Class A**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Putnam Advisory Company, LLC;<br>Franklin Templeton Inv Mgmt Ltd;Putnam Investment Management, LLC; | 0.90 | 14.87 | 8.40 | 8.45 |
| 06-GNR | Balanced | **Putnam Dynamic Asset Allocation Cnsrv A: Class A**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Putnam Advisory Company, LLC;<br>Franklin Templeton Inv Mgmt Ltd;Putnam Investment Management, LLC; | 0.96 | 10.84 | 4.01 | 5.05 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-GNW | Balanced | **Putnam Dynamic Asset Allocation Gr A: Class A**<br> Investment Adviser: Franklin Advisers, Inc.<br>Investment Subadviser: Franklin Templeton Inv Mgmt Ltd;<br>Putnam Investment Management, LLC;Putnam Advisory Company LLC; | 0.98 | 18.41 | 10.54 | 10.28 |
| 06-938 | Large Cap Growth | **Putnam Large Cap Growth A: Class A**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc.;<br>Franklin Templeton Investment Management; | 0.93 | 14.25 | 13.38 | 17.55 |
| 06-FCG | Large Cap Value | **Putnam Large Cap Value A: Class A**<br> Investment Adviser: Putnam Investment Management, LLC<br>Investment Subadviser: Franklin Advisers, Inc.;<br>Franklin Templeton Investment Management; | 0.88 | 20.05 | 15.17 | 13.16 |
| 06-665 | Balanced | **Russell Inv LifePoints Balanced Strat R5: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC | 1.43<br> \* | 14.63 | 6.28 | 5.99 |
| 06-655 | Balanced | **Russell Inv Lifepoints Cnsrv Strat R5: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC | 1.19<br> \* | 8.93 | 1.46 | 2.91 |
| 06-660 | Balanced | **Russell Inv Lifepoints Moderate Strat R5: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC | 1.27<br> \* | 11.87 | 3.86 | 4.30 |
| 06-670 | Balanced | **Russell LfPts Aggr Strat R5: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC | 1.44<br> \* | 17.40 | 8.53 | 7.76 |
| 06-675 | Balanced | **Russell LfPts EqAggrStrat R5: Class Retirement**<br> Investment Adviser: Russell Investment Management, LLC | 1.43<br> \* | 18.66 | 9.70 | 8.49 |
| 06-167 | Large Cap Blend | **State Street Equity 500 Index R: Class Retirement**<br> Investment Adviser: SSGA Funds Management, Inc. | 0.62<br> \* | 17.10 | 13.67 | 14.05 |
| 06-720 | Large Cap Growth | **T. Rowe Price Blue Chip Growth R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.21 | 18.16 | 11.12 | 15.05 |
| 06-775 | Large Cap Value | **T. Rowe Price Equity Income R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.25 | 13.97 | 10.69 | 10.04 |
| 06-780 | Large Cap Growth | **T. Rowe Price Growth Stock R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.16 | 15.04 | 8.79 | 13.56 |
| 06-715 | Foreign Growth | **T. Rowe Price International Stock R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price International Ltd | 1.40<br> \* | 17.81 | 3.45 | 6.64 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-795 | Foreign Value | **T. Rowe Price International Value Eq R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price International Ltd | 1.33 | 43.25 | 13.28 | 8.28 |
| 06-790 | Mid Cap Growth | **T. Rowe Price Mid-Cap Growth R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc.<br>Investment Subadviser: T. Rowe Price Investment Management,Inc. | 1.29 | 3.04 | 3.39 | 9.34 |
| 06-785 | Mid Cap Value | **T. Rowe Price Mid-Cap Value R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.35 | 5.59 | 11.25 | 10.48 |
| 06-576 | Mgd Asset Allocation | **T. Rowe Price Retirement 2005 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.99 | 10.66 | 4.13 | 5.74 |
| 06-579 | Mgd Asset Allocation | **T. Rowe Price Retirement 2010 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.99 | 11.19 | 4.46 | 6.15 |
| 06-776 | Mgd Asset Allocation | **T. Rowe Price Retirement 2015 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.99 | 11.49 | 4.78 | 6.62 |
| 06-778 | Mgd Asset Allocation | **T. Rowe Price Retirement 2020 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.01 | 11.99 | 5.09 | 7.16 |
| 06-781 | Mgd Asset Allocation | **T. Rowe Price Retirement 2025 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.03 | 12.40 | 5.49 | 7.76 |
| 06-783 | Mgd Asset Allocation | **T. Rowe Price Retirement 2030 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.05 | 13.78 | 6.25 | 8.49 |
| 06-786 | Mgd Asset Allocation | **T. Rowe Price Retirement 2035 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.08 | 15.56 | 7.14 | 9.22 |
| 06-789 | Mgd Asset Allocation | **T. Rowe Price Retirement 2040 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.09 | 16.82 | 7.89 | 9.84 |
| 06-792 | Mgd Asset Allocation | **T. Rowe Price Retirement 2045 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.10 | 17.93 | 8.50 | 10.27 |
| 06-794 | Mgd Asset Allocation | **T. Rowe Price Retirement 2050 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.12 | 18.24 | 8.69 | 10.36 |
| 06-797 | Mgd Asset Allocation | **T. Rowe Price Retirement 2055 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.13 | 18.32 | 8.69 | 10.35 |
| 06-CMR | Mgd Asset Allocation | **T. Rowe Price Retirement 2060 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.14 | 18.41 | 8.69 | 10.35 |
| 06-63W | Mgd Asset Allocation | **T. Rowe Price Retirement 2065 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.14 | 18.34 | 8.85 |  |
| 06-7F6 | Mgd Asset Allocation | **T. Rowe Price Retirement 2070 R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 1.14 |  |  |  |

---

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-799 | Balanced | **T. Rowe Price Retirement Balanced R: Class Retirement**<br> Investment Adviser: T. Rowe Price Associates, Inc. | 0.99 | 10.63 | 4.21 | 5.76 |
| 06-920 | Foreign Value | **Templeton Foreign R: Class Retirement**<br> Investment Adviser: Templeton Global Advisors Limited | 1.35<br> \* | 28.16 | 8.51 | 6.33 |
| 06-887 | World Bond | **Templeton Global Bond R: Class Retirement**<br> Investment Adviser: Franklin Advisers, Inc. | 1.24<br> \* | 16.44 | -1.52 | -0.31 |
| 06-925 | World Stock | **Templeton Growth R: Class Retirement**<br> Investment Adviser: Templeton Global Advisors Limited | 1.28 | 23.26 | 7.64 | 6.64 |
| 06-990 | Foreign Blend | **Thornburg International Equity R3: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 1.40<br> \* | 33.56 | 8.73 | 8.71 |
| 06-987 | World Allocation | **Thornburg Investment Income Builder R3: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 1.52<br> \* | 36.09 | 14.51 | 10.50 |
| 06-995 | Short Term Bond | **Thornburg Limited Term Income R3: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 0.99<br> \* | 6.56 | 1.44 | 2.53 |
| 06-104 | Short Term Gov Bond | **Thornburg Limited Term US Government R3: Class Retirement\*\***<br> Investment Adviser: Thornburg Investment Management Inc | 1.17<br> \* | 6.47 | 0.42 | 1.14 |
| 06-109 | Mid Cap Blend | **Thornburg Small/Mid Cap Core R3: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 1.45<br> \* | -0.86 | 4.20 | 7.70 |
| 06-985 | Mid Cap Growth | **Thornburg Small/Mid Cap Growth R3: Class Retirement**<br> Investment Adviser: Thornburg Investment Management Inc | 1.45<br> \* | 4.30 | -1.29 | 7.20 |
| 06-339 | Balanced | **Timothy Plan Conservative Growth A: Class A**<br> Investment Adviser: Timothy Partners Ltd | 1.79 | 10.55 | 2.87 | 3.94 |
| 06-341 | Balanced | **Timothy Plan Strategic Growth A: Class A**<br> Investment Adviser: Timothy Partners Ltd | 1.75 | 12.95 | 4.43 | 5.03 |
| 06-703 | Multisector Bond | **Touchstone Flexible Income A: Class A**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Bramshill Investments LLC | 1.07<br> \* | 6.18 | 2.41 | 3.65 |
| 06-619 | Large Cap Blend | **Touchstone Focused A: Class A**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Fort Washington Investment Advisors Inc | 1.16 | 15.66 | 12.03 | 12.56 |
| 06-699 | Large Cap Growth | **Touchstone Dynamic Large Cap Growth A: Class A**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Los Angeles Capital Management LLC | 1.01<br> \* | 17.67 | 14.26 | 16.31 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\* This denotes a Variable Account Competing Investment Account. Please refer to the "Stable Value Account" section in the prospectus for more information.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-701 | Foreign Blend | **Touchstone Non-US Equity A: Class A**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Rockefeller & Co. LLC | 1.15 | 29.85 | 10.15 | 10.31 |
| 06-702 | Large Cap Value | **Touchstone Value A: Class A**<br> Investment Adviser: Touchstone Advisors Inc<br>Investment Subadviser: Barrow Hanley Mewhinney & Strauss LLC | 1.08<br> \* | 11.29 | 11.88 | 10.66 |
| 06-022 | Multisector Bond | **Victory Pioneer Active Credit A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 0.91<br> \* | 7.33 | 3.74 |  |
| 06-834 | Intermediate Term Bond | **Victory Pioneer Bond A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 0.81 | 8.48 | 0.35 | 2.60 |
| 06-833 | Large Cap Blend | **Victory Pioneer A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 0.92<br> \* | 23.20 | 14.88 | 15.57 |
| 06-327 | Large Cap Value | **Victory Pioneer Equity Income A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 1.00<br> \* | 11.21 | 8.89 | 9.11 |
| 06-628 | Large Cap Growth | **Victory Pioneer Fundamental Growth A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 0.99<br> \* | 13.98 | 11.69 | 14.07 |
| 06-GGH | World Stock | **Victory Pioneer Global Equity A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 1.10<br> \* | 41.08 | 15.41 | 12.75 |
| 06-837 | High Yield Bond | **Victory Pioneer High Yield A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 1.10<br> \* | 7.55 | 3.94 | 5.42 |
| 06-838 | Mid Cap Value | **Victory Pioneer Mid Cap Value A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 1.17<br> \* | 10.75 | 10.85 | 8.69 |
| 06-836 | Mid Cap Growth | **Victory Pioneer Select Mid Cap Growth A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 0.99<br> \* | 20.41 | 5.60 | 11.79 |
| 06-594 | Multisector Bond | **Victory Pioneer Strategic Income A: Class A**<br> Investment Adviser: Victory Capital Management Inc. | 1.07<br> \* | 10.26 | 1.99 | 3.79 |
| 06-583 | Mid Cap Value | **Victory Sycamore Established Value R: Class Retirement\*\*\***<br> Investment Adviser: Victory Capital Management Inc. | 1.09 | 2.13 | 9.34 | 10.37 |
| 06-584 | Small Cap Value | **Victory Sycamore Small Company Opp R: Class Retirement\*\*\***<br> Investment Adviser: Victory Capital Management Inc. | 1.44 | 1.20 | 6.45 | 8.97 |
| 06-804 | Large Cap Value | **Virtus Ceredex Large-Cap Value Equity A: Class A**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Ceredex Value Advisors LLC | 1.24<br> \* | 11.77 | 8.66 | 9.34 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

\*\*\* The Fund is closed to new Contracts.

------

*American United Life Insurance Company®* **Separate Accounts Subaccount Listing**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** | **Average Annual Total Returns<br>(as of 12/31/25)** |
| **APPENDIX: FUNDS AVAILABLE UNDER THE CONTRACT (continued)**<br>**Fund Identifier – <br>internal use only** | **Asset Class** | **Fund Name and Investment Adviser/Sub-Adviser** | **Current<br>Expenses** | **1 year** | **5 year** | **10 year** |
| 06-807 | Mid Cap Value | **Virtus Ceredex Mid-Cap Value Equity A: Class A**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Ceredex Value Advisors LLC | 1.29 | 17.24 | 9.47 | 9.66 |
| 06-809 | Small Cap Blend | **Virtus Ceredex Small-Cap Value Eq A: Class A**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: Ceredex Value Advisors LLC | 1.44 | 1.05 | 7.39 | 7.62 |
| 06-4WJ | Large Cap Value | **Virtus NFJ Dividend Value A: Class A**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: NFJ Investment Group LLC – Dallas | 1.03 | 8.22 | 8.46 | 8.19 |
| 06-4WK | Mid Cap Value | **Virtus NFJ Mid-Cap Value A: Class A**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: NFJ Investment Group LLC – Dallas | 1.00<br> \* | 5.36 | 6.79 | 8.40 |
| 06-4WM | Small Cap Value | **Virtus NFJ Small-Cap Value A: Class A**<br> Investment Adviser: Virtus Investment Advisers, LLC<br>Investment Subadviser: NFJ Investment Group LLC – Dallas | 1.17<br> \* | 1.07 | 6.45 | 5.83 |
| 06-6KM | Small Cap Growth | **Voya Small Cap Growth I: Class Inst**<br> Investment Adviser: Voya Investments, LLC<br>Investment Subadviser: Voya Investment Management Co. LLC | 0.95 | 14.49 | 8.11 | 13.13 |
| 06-718 | Intermediate Term Bond | **Western Asset Core Plus Bond R: Class Retirement**<br> Investment Adviser: Franklin Templeton Fund Adviser, LLC<br>Investment Subadviser: Western Asset Management Company Pte Ltd. – <br>Singapore;Western Asset Management Company, LLC;Western Asset <br>Management Company Ltd. – Japan;Western Asset Management <br>Company Limited; | 1.12 | 7.14 | -2.50 | 1.46 |

---

\* The net annual expense ratios of these Funds reflect temporary fee reductions currently in place due to expense reimbursement or fee waiver arrangements currently being offered by the managing Funds. Upon the expiration of the temporary fee reductions, the annual expenses of these Funds may increase from the amounts disclosed in the table above. Please see the respective Funds' prospectus for additional information.

------

**STATEMENT OF ADDITIONAL INFORMATION**

THIS STATEMENT OF ADDITIONAL INFORMATION DOES NOT CONSTITUTE AN OFFERING IN ANY JURISDICTION IN WHICH SUCH OFFERING MAY NOT BE LAWFULLY MADE. NO PERSON IS AUTHORIZED TO MAKE ANY REPRESENTATIONS IN CONNECTION WITH THE OFFERING OTHER THAN THOSE CONTAINED IN THIS PROSPECTUS, THE STATEMENT OF ADDITIONAL INFORMATION, THE PROSPECTUSES OF THE FUNDS, OR THE STATEMENTS OF ADDITIONAL INFORMATION OF THE FUNDS.

The Statement of Additional Information contains more specific information and financial statements relating to AUL. The **Table of Contents** of the Statement of Additional Information is set forth below:

**Table of Contents**

---

| | |
|:---|:---|
| GENERAL INFORMATION AND HISTORY | 2.0 |
| &nbsp;&nbsp;&nbsp;DISTRIBUTION OF CONTRACTS | 2.0 |
| &nbsp;&nbsp;&nbsp;CUSTODY OF ASSETS | 2.0 |
| LIMITS ON CONTRIBUTIONS TO RETIREMENT PLANS | 2.0 |
| &nbsp;&nbsp;&nbsp;403(b) PROGRAMS | 2.0 |
| &nbsp;&nbsp;&nbsp;408 AND 408A PROGRAMS | 2.0 |
| &nbsp;&nbsp;&nbsp;457 PROGRAMS | 3.0 |
| EMPLOYEE BENEFIT PLANS | 3.0 |
| INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM | 3.0 |
| FINANCIALS OF THE REGISTRANT | 3.0 |

---

**GENERAL INFORMATION AND HISTORY**

For a general description of AUL and AUL American Unit Trust (the "Variable Account"), see the section entitled "Information about AUL, The Variable Account, and The Funds" in the Prospectus. The Variable Account is registered under both the Investment Company Act of 1940 and the Securities Act of 1933 and therefore may contain assets under Section 401 of the Internal Revenue Code of 1986 ("IRC") or Section 403(b) of the IRC.

*DISTRIBUTION OF CONTRACTS*

OneAmerica Securities, Inc. is the Principal Underwriter and the Distributor for the variable annuity contracts (the "Contracts") described in the Prospectus and in this Statement of Additional Information. OneAmerica Securities, Inc. is a wholly owned subsidiary of AUL and is registered with the Securities and Exchange Commission (the "SEC") as a broker-dealer. The Contracts are currently being sold in a continuous offering. While AUL does not anticipate discontinuing the offering of the Contracts, it reserves the right to do so. The Contracts are sold by registered representatives of OneAmerica Securities, Inc., who are also licensed insurance agents.

AUL also has sales agreements with various broker-dealers under which the Contracts will be sold by registered representatives of the broker-dealers. The registered representatives are required to be authorized under applicable state regulations to sell variable annuity contracts. The broker-dealers are required to be registered with the SEC and be members of the Financial Industry Regulation Authority ("FINRA").

OneAmerica Securities, Inc. serves as the principal underwriter without compensation from the Variable Account.

*CUSTODY OF ASSETS*

The assets of the Variable Account are held by AUL. The assets are kept physically segregated and are held separate and apart from the assets of other separate accounts of AUL and from AUL's General Account assets. AUL maintains records of all purchases and redemptions of shares of the Funds underlying the Investment Accounts that are offered hereunder.

*SERVICE AGREEMENTS*

Effective January 1, 2025, OneAmerica Financial Partners, Inc., an affiliate of AUL, closed on the previously announced sale of its full-service retirement plan business to Voya Financial, Inc. Upon the closing of the transaction, Voya and its affiliates assumed responsibility for the administration of the contracts, including but not limted to, recordkeeping services and contract administration. Pursuant to the terms of the transaction AUL entered into with Voya, AUL and OAS pass all revenue received from 12b-1 fees, administrative fees, marketing fees, and other support service fees to Voya and AUL will pass all revenue received from the Asset Charge to Voya. Because the agreement had not been in place as of December 31, 2024, Voya did not receive any compensation for the past three fiscal years.

**LIMITS ON CONTRIBUTIONS TO RETIREMENT PLANS**

*403(b) PROGRAMS*

Contributions to a 403(b) Program are excludable from a Participant's gross income if they do not exceed the smallest of the limits calculated under Sections 402(g) and 415 of the Code. Section 402(g) generally limits a Participant's salary reduction contributions to a 403(b) Program to $24,500 for 2026. The limit may be reduced by salary reduction contributions to another type of retirement plan. A Participant with at least fifteen (15) years of service for a "qualified organization" (i.e., an educational organization, hospital, home health service agency, health and welfare service agency, church or convention or association of churches) generally may exceed this limit by $3,000 per year, subject to an aggregate limit of $15,000 for all years. If you are age fifty (50) or older, an additional catch-up contribution of $8,000 is allowed. Individuals aged 60 to 63 can make a catch-up contribution of $11,250. Please contact your plan sponsor to determine if your plan is eligible.

Section 415(c) also provides an overall limit on the amount of Employer and Participant's salary reduction contributions to a Section

403(b) Program that will be excludable from an employee's gross income in a given year. The Section 415(c) limit is the lesser of (a) $72,000 in 2026, or (b) 100 percent of the Participant's annual compensation. This limit will be reduced if a Participant also participates in an Employee Benefit Plan maintained by a business that he or she controls.

The limits described above do not apply to amounts "rolled over" from another eligible retirement program. A Participant who receives an "eligible rollover distribution" will be permitted either to roll over such amount to another eligible retirement program or an IRA within sixty (60) days of receipt or to make a direct rollover to another eligible retirement program or an IRA without recognition of income. An "eligible rollover distribution" means any distribution to a Participant of all or any taxable portion of the balance to his credit under an eligible retirement program, other than a required minimum distribution to a Participant who has reached age 72 and excluding any distribution which is one of a series of substantially equal payments made (1) over the life or life expectancy of the Participant or the lives or joint life expectancy of the Participant and the Participant's beneficiary or (2) over a specified period of ten (10) years or more. Provisions of the Internal Revenue Code require that 20 percent of every eligible rollover distribution that is not directly rolled over be withheld by the payor for federal income taxes.

*408 AND 408A PROGRAMS*

Contributions to the individual retirement annuity of a Participant under a 408 or 408A Program are subject to the limits on contributions to individual retirement annuities under Section 219(b) of the Internal Revenue Code. Under Section 219(b) of the Code, contributions to an individual retirement annuity are limited to the lesser of $7,500 per year or the Participant's annual compensation. In the case of a participant who has attained the age of 50 before the close of the taxable year, the deductible amount for such taxable year increases by

$1,000. If a married couple files a joint return, each spouse may, in a great majority of cases, make contributions to his or her IRA up to the $7,500 limit. The extent to which a Participant may deduct contributions to this type of 408 Program depends on his or her spouse's gross income for the year and whether either participate in another employer-sponsored retirement plan.

Withdrawals from Roth IRAs may be made tax-free under certain circumstances. Please consult your tax advisor for more details. Contributions to a 408 Program that is a simplified employee pension plan are subject to limits under Section 402(h) of the Internal

Revenue Code. Section 402(g) currently limits Employer contributions and Participant salary reduction contributions (if permitted) to a simplified employee pension plan to the lesser of (a) 25 percent of the Participant's compensation, or (b) $72,000. Salary reduction contributions, if any, are subject to additional annual limits.

*457 PROGRAMS*

Deferrals by a Participant to a 457 Program generally are limited under Section 457(b) of the Internal Revenue Code to the lesser of (a) $24,500 in 2026, or (b) 100 percent of the Participant's includible compensation. If the Participant participates in more than one 457 Program, this limit applies to contributions to all such programs. The Section 457 (b) limit is increased during the last three (3) years ending before the Participant reaches his normal retirement age under the 457 Program. For certain state and local government plans, if you are age fifty (50) or older, an additional catch-up contribution of $8,000 is allowed. Individuals in certain state and local government plans aged 60 to 63 can make a catch-up contribution of $11,250. Please contact your plan sponsor to determine if your plan is eligible.

**EMPLOYEE BENEFIT PLANS**

The applicable annual limits on contributions to an Employee Benefit Plan depend upon the type of plan. Total contributions on behalf of a Participant to all defined contribution plans maintained by an Employer are limited under Section 415(c) of the Internal Revenue Code to the lesser of (a) $72,000 in 2026, or (b) 100 percent of a Participant's annual compensation. Salary reduction contributions to a cash- or-deferred arrangement under a profit-sharing plan are subject to additional annual limits. Contributions to a defined benefit pension plan are actuarially determined based upon the amount of benefits the Participants will receive under the plan formula. The maximum annual benefit any Participant may receive under an Employer's defined benefit plan is limited under Section 415(b) of the Internal Revenue Code. The limits determined under Section 415(b) and (c) of the Internal Revenue Code are further reduced for a Participant who participates in a defined contribution plan and a defined benefit plan maintained by the same employer.

The annual maximum contribution to a Health Savings Account ("HSA") for 2026 is $4,400 for an individual and $8,750 for a family. All contributions to an HSA, regardless of source, count toward the annual maximum. These limits may be increased by $1,000 for HSA plan participants who are age 55 and over.

There are no IRS-imposed maximum contribution limits on Health Reimbursement Arrangements ("HRA") or GASB 45 Other Post- Employment Benefit "OPEB" plan contributions. However, each employer's plan will most likely set a limit. Contributions made by an employer to the employee's account are not considered income.

**INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

The financial statements incorporated in this Statement of Additional Information by reference to the statutory-basis financial statements of American United Life Insurance Company for the years ended December 31, 2025 and December 31, 2024 and the financial statements and financial highlights of each of the subaccounts of AUL American Unit Trust as of December 31, 2025 and for the year then ended have been so incorporated in reliance on the report of PricewaterhouseCoopers LLP, One American Square, Suite 2100, Indianapolis, IN 46282, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

**FINANCIALS OF THE REGISTRANT**

The December 31, 2025 financial statements of the Separate Account and the December 31, 2025 consolidated statements of AUL are incorporated into this SAI by reference to the Separate Account's most recent Form [N-VPFS](https://www.sec.gov/Archives/edgar/data/856341/000110465926051244/tm263006d8_nvpfs.htm) filed with the SEC.

**AUL AMERICAN UNIT TRUST**

**Group Variable Annuity Contracts**

**Sold By**

**AMERICAN UNITED LIFE INSURANCE COMPANY®**

**One American Square**

**Indianapolis, Indiana 46206-0368**

**SAI**

**Dated: May 1, 2026**

PART C: OTHER INFORMATION

ITEM 27. EXHIBITS

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| | | |
|:---|:---|:---|
| 1. | [Resolution of Executive Committee of American United Life Insurance Company ("AUL") establishing AUL American Unit Trust (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) | [Resolution of Executive Committee of American United Life Insurance Company ("AUL") establishing AUL American Unit Trust (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
| 2. | Not applicable | Not applicable |
| 3. | Underwriting Agreements | Underwriting Agreements |
|  | 3.1 | [Distribution Agreement between American United Life Insurance Company and OneAmerica Securities, Inc. (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634104000003/uit0504exdistribution.txt) |
|  | 3.2 | [Form of Selling Agreement (9)](http://www.sec.gov/Archives/edgar/data/856341/000085634106000016/uit0506exsellagrmnt.txt) |
| 4. | Group Annuity Contract Forms: | Group Annuity Contract Forms: |
|  | 4.1 | [TDA Voluntary Contract, Form P-12511 (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 4.2 | [TDA Employer Sponsored Contract, Form P-12621 (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 4.3 | [TDA Employer Sponsored Benefit Responsive Contract, Form P-12621BR (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 4.4 | [TDA Custodial SPL Contract, Form P-12833 (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 4.5 | [TDA Custodial Contract, Form P-12833 (1) (3)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 4.6 | [TDA Employer Sponsored and Qualified Conv. Multiple Fund VA Contract, Form P-14020 (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 4.7 | [TDA Employer Sponsored and Qualified New Multiple Fund VA Contract, Form P-14020 (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 4.8 | [IRA Non-Custodial Contract, Form P-12566 (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 4.9 | [IRA Custodial Contract, Form P-12867 (1) (3)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 4.10 | [DCP Contract, Form P-12518 (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 4.11 | [IRA No-Load Custodial Contract and Amendment, Form P-12867 (2)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-99-000002-index.html) |
|  | 4.12 | [IRA Guaranteed Benefit Group Variable Annuity, Form P-GB-K-IRAMFVA (NBR) (2)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-99-000002-index.html) |
|  | 4.13 | [TDA Guaranteed Benefit Employer-Sponsored Group Variable Annuity, Form P-GB-K-ERTDAMFVA (2)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-99-000002-index.html) |
|  | 4.14 | [Employer-Sponsored TDA and Qualified Plan Guaranteed Benefit Group Variable Annuity, Form P-GB-K-AUL1MFVA (2)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-99-000002-index.html) |
|  | 4.15 | [Voluntary TDA Group Variable Annuity and Certificate, Forms P-K-TDAMFVA-GMDB (BR) and P-C-TDAMFVA-GMDB (BR) (3)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-99-000004-index.html) |
|  | 4.16 | [TDA Multiple-Fund Group Variable Annuity with GMDB (SBR)-OMNI Patriot TDA Voluntary Contract & Certificates, Form TDA.GMDB.OM-K & C (4)](http://www.sec.gov/Archives/edgar/data/856341/000085634102000012/uit0502exomnipatriot.txt) |

---

4.17 [Employer-Sponsored TDA & Qualified Plan Guaranteed Benefit Contract & Certificates, OMNI AULONE Contract, Form GB10.OM-K & C (4)](http://www.sec.gov/Archives/edgar/data/856341/000085634102000012/uit0502exomniaulonek.txt)

4.18 [Guaranteed Benefit Employer-Sponsored TDA Contract and Amendments & Certificates (SBR) - OMNI-ERTDA, Form GBErTDA.OM-K & C (4) (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634102000012/uit0502omniertdak.txt)

4.19 [AUL American Series IRA Multiple Fund Individual Variable Annuity - Form IndividualORIRA (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex419indivorira.txt)

4.20 [Amendment to the IRA Group Annuity Contract - Form IRAEGTRRAKAM (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex420iraegtrra.txt)

4.21 [AUL American Series Roth IRA Multiple Fund Group Variable Annuity - Form IRA/GBSEP/GBSIMPLE.OM-K (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex421omnirothirak.txt)

4.22 [AUL American Series Guaranteed Benefit IRA Multiple Fund Group Annuity with Guaranteed Minimum Death Benefit (NBR) - Form IRA/GBSEP/GBSIMPLE.OM-K (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex422iragbsepgbsimp.txt)

4.23 [AUL American Series Roth IRA Multiple Fund Group Variable Annuity Certificate - Form ROTHIRA.OM-C (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex423rothiracert.txt)

4.24 [AUL Unallocated OMNI AULONE 401 and 403(b) Form GB10.OM-K (Unall) (7)](http://www.sec.gov/Archives/edgar/data/856341/000085634108000020/examendgroup.txt)

4.25 [AUL Omni Employer Sponsored TDA - Form GBErTDA.OM-ChuK (9)](http://www.sec.gov/Archives/edgar/data/856341/000085634106000016/uit0506exgbertdaomchuk.txt)

4.26 [AUL Omni DCP MFVA - Form DCP.OM (9)](http://www.sec.gov/Archives/edgar/data/856341/000085634106000016/uit0506excontractdcpom.txt)

4.27 [AUL Loan Administration Fee Addendum to Group Annuity Contract (9)](http://www.sec.gov/Archives/edgar/data/856341/000085634108000020/exaddentocertificate.txt)

4.28 [AUL Loan Administration Fee Amendment to Group Annuity Contract (9)](http://www.sec.gov/Archives/edgar/data/856341/000085634108000020/examendgroup.txt)

4.29 [AUL Unallocated Variable Registered Group Annuity 403(b) and 401(a) Contract (9)](http://www.sec.gov/Archives/edgar/data/856341/000085634108000020/unall401a403bvarannui.txt)

4.30 [AUL Unallocated Variable Registered Group Annuity for HRAs, HSAs and OPEB Employee Benefit Plans (9)](http://www.sec.gov/Archives/edgar/data/856341/000085634108000020/unallvargroupannuity.txt)

4.31 [Addendum to the Certificate Issued to the Participants in TDA Group Annuity Contracts (10)](http://www.sec.gov/Archives/edgar/data/856341/000085634109000006/addentocertiftdagroup.txt)

4.32 [Amendment to the TDA Group Annuity Contract (10)](http://www.sec.gov/Archives/edgar/data/856341/000085634109000006/amendagroupannuity.txt)

4.33 [Guaranteed Benefit Employer-Sponsored TDA Multiple-Fund Group Variable Annuity with Stable Value Account (SBR) (10)](http://www.sec.gov/Archives/edgar/data/856341/000085634109000006/svacontract.txt)

4.34 [Guaranteed Benefit Employer-Sponsored TDA and Qualified Plan Multiple-Fund Group Variable Annuity with Stable Value Account Contract Form GB10-K (SVA) (11)](http://www.sec.gov/Archives/edgar/data/856341/000085634110000008/gbertda-csva.txt)

4.35 [Guaranteed Benefit Employer-Sponsored TDA and Qualified Plan Multiple-Fund Group Variable Annuity with Stable Value Account Certificate Form GB10-C (SVA) (11)](http://www.sec.gov/Archives/edgar/data/856341/000085634110000008/gb10c.txt)

4.36 [Guaranteed Benefit Employer-Sponsored TDA Multiple-Fund Group Variable Annuity with Stable Value Account Contract Form GBERTDA-K (SVA) (11)](http://www.sec.gov/Archives/edgar/data/856341/000085634110000008/gbertaksva.txt)

4.37 [Guaranteed Benefit Employer-Sponsored TDA Multiple-Fund Group Variable Annuity with Stable Value Account Certificate Form GBERTDA-C (SVA) (11)](http://www.sec.gov/Archives/edgar/data/856341/000085634110000008/gbertda-csva.txt)

4.38 [Deferred Compensation Plan (DCP) Multiple-Fund Group Variable Annuity with Stable Value Account Form DCP-K (SVA) (11)](http://www.sec.gov/Archives/edgar/data/856341/000085634110000008/dcp.txt)

4.39 [Guaranteed Benefit Unallocated Employer-Sponsored TDA Multiple-Fund Group Variable Annuity with Stable Value Account GBERTDA-uK (SVA) (12)](http://www.sec.gov/Archives/edgar/data/856341/000085361811000007/gbertauksva.txt)

4.40 [Deferred Compensation Plan (DCP) Unallocated Multiple-Fund Group Variable Annuity with Stable Value Account DCP-uK (SVA) (12)](http://www.sec.gov/Archives/edgar/data/856341/000085361811000007/dcpuksvacontract.txt)

4.41 [AUL American Series Roth IRA Multiple-Fund Group Variable Annuity ROTHIRA.SP-K (12)](http://www.sec.gov/Archives/edgar/data/856341/000085361811000007/rothiraspk.txt)

4.42 [AUL American Series Roth IRA Multiple-Fund Group Variable Annuity Certificate ROTHIRA.SP-C (12)](http://www.sec.gov/Archives/edgar/data/856341/000085361811000007/rothiraspc.txt)

5. Application Forms and other forms:

5.1 [AUL American Series Enrollment Form P-12464 (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html)

5.2 [Employer Sponsored TDA Enrollment Form P-12477 (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html)

5.3 [AUL Select Annuity Enrollment Form P-14009 (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html)

5.4 [Application for No-Load IRA Contract, P-12503 (2)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-99-000002-index.html)

5.5 [AUL American Series Enrollment Form P-11464 G (4)](http://www.sec.gov/Archives/edgar/data/856341/000085634102000012/uit0502exp12464ganenroform.txt)

5.6 [Employer-Sponsored Tax Deferred Annuity Enrollment Form P-12477 L (4)](http://www.sec.gov/Archives/edgar/data/856341/000085634102000012/uit0502exp-12477ltdaen.txt)

6. Certificate of Incorporation and By-Laws of the Depositor

6.1 [Articles of Merger between American Central Life Insurance Company and United Mutual Life Insurance Company (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html)

6.2 [Certification of the Secretary of State as to the filing of the Articles of Merger between American Central Life Insurance Company and United Mutual Life Insurance Company (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html)

6.3 [Second Amended and Restated Articles of Incorporation of American United Life Insurance Company (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634104000003/uit0504examendarticles.txt)

---

| | | | |
|:---|:---|:---|:---|
|  | 6.4 | [Second Amended and Restated By-Laws of American United Life Insurance Company (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634104000003/uit0504examendbylaws.txt) | [Second Amended and Restated By-Laws of American United Life Insurance Company (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634104000003/uit0504examendbylaws.txt) |
| 7. | Reinsurance Contracts: | Reinsurance Contracts: | Reinsurance Contracts: |
|  | 7.1 | [Form of Reinsurance Agreement with Voya Retirement Insurance and Annuity Company (25)](http://www.sec.gov/Archives/edgar/data/856341/000110465925039403/tm256404d1_ex99-7d1.htm) | [Form of Reinsurance Agreement with Voya Retirement Insurance and Annuity Company (25)](http://www.sec.gov/Archives/edgar/data/856341/000110465925039403/tm256404d1_ex99-7d1.htm) |
| 8. | Participation Agreements: | Participation Agreements: | Participation Agreements: |
|  | 8.1 | [Form of Participation Agreement with Alger American Fund (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) | [Form of Participation Agreement with Alger American Fund (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 8.2 | [Form of Participation Agreement with American Century (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) | [Form of Participation Agreement with American Century (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  |  | 8.2.1 | [Form of Participation Agreement with American Century Variable Portfolios, Inc. (3)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701ex99amcepa1.txt) |
|  |  | 8.2.2 | [Form of Participation Agreement with American Century Variable Portfolios, Inc. (3)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701examce2.txt) |
|  |  | 8.2.3 | [Form of Participation Agreement and Amendments thereto with American Century Variable Portfolios, Inc. (3) (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701examce3.txt) |
|  | 8.3 | [Form of Participation Agreement with Calvert Variable Series (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) | [Form of Participation Agreement with Calvert Variable Series (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 8.4 | [Form of Participation Agreement with Fidelity Variable Insurance Products Fund (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) | [Form of Participation Agreement with Fidelity Variable Insurance Products Fund (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 8.5 | [Form of Participation Agreement with Fidelity Variable Insurance Products Fund II (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) | [Form of Participation Agreement with Fidelity Variable Insurance Products Fund II (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 8.6 | [Form of Participation Agreement with Janus Aspen Series (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) | [Form of Participation Agreement with Janus Aspen Series (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 8.7 | [Form of Participation Agreement and Amendments thereto with PBHG Funds, Inc. (3) (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701expbhgpa.txt) | [Form of Participation Agreement and Amendments thereto with PBHG Funds, Inc. (3) (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701expbhgpa.txt) |
|  | 8.8 | [Form of Participation Agreement with Safeco Resource Series Trust (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) | [Form of Participation Agreement with Safeco Resource Series Trust (1)](http://www.sec.gov/Archives/edgar/data/856341/0000856341-98-000008-index.html) |
|  | 8.9 | [Form of Participation Agreement with T. Rowe Price Equity Series, Inc. (3)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701extrpricepa.txt) | [Form of Participation Agreement with T. Rowe Price Equity Series, Inc. (3)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701extrpricepa.txt) |
|  | 8.10 | [Form of Participation Agreement with Invesco Funds Group and American United Life Insurance Company (3)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701exinvescopa.txt) | [Form of Participation Agreement with Invesco Funds Group and American United Life Insurance Company (3)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701exinvescopa.txt) |
|  | 8.11 | [Form of Participation Agreement with The Vanguard Group and American United Life Insurance Company (3)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701exvanguardpa.txt) | [Form of Participation Agreement with The Vanguard Group and American United Life Insurance Company (3)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701exvanguardpa.txt) |
|  | 8.12 | [Form of Participation Agreement with State Street Institutional Investment Trust and American United Life Insurance Company (3)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701exstatestreetpa.txt) | [Form of Participation Agreement with State Street Institutional Investment Trust and American United Life Insurance Company (3)](http://www.sec.gov/Archives/edgar/data/856341/000085634101500009/uit0701exstatestreetpa.txt) |
|  | 8.13 | [Form of Participation Agreement between MFS Funds Distributors, Inc. and American United Life Insurance Company (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex813pamfs.txt) | [Form of Participation Agreement between MFS Funds Distributors, Inc. and American United Life Insurance Company (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex813pamfs.txt) |

---

8.14 [Form of Amendment No. 4 to the Participation Agreement between American Century Investment Management, Inc., American Century Investment Services, Inc. and American United Life Insurance Company (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex814amercena4.txt)

8.15 [Form of Amendments to the Participation Agreement between American Century Investment Management, Inc., American Century Investment Services, Inc. and American United Life Insurance Company (5) (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex815amercentp5.txt)

8.16 [Form of Distribution and Service Agreement between T. Rowe Price Investment Services, Inc., T. Rowe Price Services, Inc. and American United Life Insurance Company (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex815amercentp5.txt)

8.17 [Form of Participation Agreement between Pacific Investment Management Company LLC (PIMCO) and American United Life Insurance Company (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex817papimco.txt)

8.18 [Form of Shareholder Servicing Agreement between PIMCO Advisors Fund Management LLC and American United Life Insurance Company (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex818pimco.txt)

8.19 [Form of Participation Agreement between AIM Growth Series, AIM Distributors, Inc. and American United Life Insurance Company (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex819particagraim.txt)

8.20 [Form of Amendment to the Participation Agreement between Invesco Funds Group and American United Life Insurance Company (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex820invescopa.txt)

8.21 [Form of Amendment to the Omnibus Account Services Agreement between Invesco Funds Group, Inc., Invesco Distributors, Inc. and American United Life Insurance Company (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex820invescopa.txt)

8.22 [Form of Assignment and Assumption of AUL Fund Participation Agreement (Mason Street Funds, Inc.) between Robert W. Baird & Co., Inc., Northwestern Investment Services, LLC, and Mason Street Advisors, LLC (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex822masonasagr.txt)

8.23 [Form of Variable Group Annuity Contractholder Service Agreement (12b-1) between AIM Distributors, Inc. and American United Life Insurance Company (5)](http://www.sec.gov/Archives/edgar/data/856341/000085634103000007/uit0503ex82312b1agraim.txt)

8.24 [Form of Participation Agreement between Fidelity Distributors Corporation and American United Life Insurance Company (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634104000003/uit0504exfidelitypart.txt)

8.25 [Form of Amendments to the Participation Agreement between Mason Street and Northwestern Investment Services, LLC and American United Life Insurance Company (6)](http://www.sec.gov/Archives/edgar/data/856341/000085634104000003/uit0504exmasonstreetamend.txt)

8.26 [Form of Participation Agreement, and others between Frank Russell and American United Life Insurance Company (7)](http://www.sec.gov/Archives/edgar/data/856341/000085634104000005/uit0604exrussellpart.txt)

8.27 [Form of Participation Agreement, and others between Fifth Third and American United Life Insurance Company (7)](http://www.sec.gov/Archives/edgar/data/856341/000085634104000005/uit0604exfifththirdpart.txt)

8.28 [Form of Shareholder Services Agreement between Alliance Global Investor Services, Inc. and American United Life Insurance Company (8)](http://www.sec.gov/Archives/edgar/data/856341/000085634105000004/exalliancepart.txt)

8.29 [Form of Participation Agreement between AIM Variable Insurance Funds and American United Life Insurance Company (8)](http://www.sec.gov/Archives/edgar/data/856341/000085634105000004/exaimpart.txt)

8.30 [Form of Service Agreement between Dreyfus Service Corporation and American United Life Insurance Company (8)](http://www.sec.gov/Archives/edgar/data/856341/000085634105000004/exdreyfuspart.txt)

8.31 [Form of First Amendment to the Participation Agreement between Fidelity Distributors Corporation and American United Life Insurance Company (8)](http://www.sec.gov/Archives/edgar/data/856341/000085634105000004/exfidelityamend.txt)

8.32 [Form of Recordkeeping Services Agreement between Lord Abbett Family of Funds and American United Life Insurance Company (8)](http://www.sec.gov/Archives/edgar/data/856341/000085634105000004/exlordabbettadminsrvcs.txt)

8.33 [Form of Participation Agreement between Neuberger Berman Advisers Management Trust and American United Life Insurance Company (8)](http://www.sec.gov/Archives/edgar/data/856341/000085634105000004/exneubergerpart.txt)

8.34 [Form of Administrative Services Agreement between OppenheimerFunds Distributor, Inc. and American United Life Insurance Company (8)](http://www.sec.gov/Archives/edgar/data/856341/000085634105000004/exoppenheimerpart.txt)

8.35 [Form of Participation Agreement between Pioneer Funds Distributor, Inc. and American United Life Insurance Company (8)](http://www.sec.gov/Archives/edgar/data/856341/000085634105000004/expioneerpart.txt)

8.36 [Form of Participation Agreement between Thornburg Investment Management, Inc. and American United Life Insurance Company (8)](http://www.sec.gov/Archives/edgar/data/856341/000085634105000004/exthornburgpart.txt)

8.37 [Form of Participation Agreement between American Funds and American United Life Insurance Company (9)](http://www.sec.gov/Archives/edgar/data/856341/000085634106000016/uit0506expartamerfunds.txt)

8.38 [Form of Broker Dealer Agreement between BlackRock Investments, Inc. and OneAmerica Securities, Inc. (10)](http://www.sec.gov/Archives/edgar/data/856341/000085634109000006/blackrockbdagmt.txt)

8.39 [Form of Investor Distribution and Service Agreement between BlackRock Investments, Inc. and American United Life Insurance Company (10)](http://www.sec.gov/Archives/edgar/data/856341/000085634109000006/blackrockdisagmt.txt)

8.40 [Form of Service Agreement between BlackRock Advisors, LLC and American United Life Insurance Company (10)](http://www.sec.gov/Archives/edgar/data/856341/000085634109000006/blackrockservice.txt)

8.41 [Form of Shareholder Service Agreement for Institutional Class Shares between BlackRock Advisors, LLC and American United Life Insurance Company (10)](http://www.sec.gov/Archives/edgar/data/856341/000085634109000006/blackrockshare.txt)

8.42 [Form of Selling/Service Agreement for CRM Mutual Fund Trust between PFPC Distributors, Inc. and American United Life Insurance Company (10)](http://www.sec.gov/Archives/edgar/data/856341/000085634109000006/crmpartagmt.txt)

8.43 [Form of Service Agreement between DWS Investments Service Company and American United Life Insurance Company (10)](http://www.sec.gov/Archives/edgar/data/856341/000085634109000006/dws.txt)

8.44 [Form of Retail Fund Participation Agreement between Pax World Funds Series Trust 1, Alps Distributors, Inc. and American United Life Insurance Company (10)](http://www.sec.gov/Archives/edgar/data/856341/000085634109000006/pax.txt)

8.45 [Form of Services Agreement between Prudential Investment Management Services LLC and American United Life Insurance Company (11)](http://www.sec.gov/Archives/edgar/data/856341/000085634110000008/jennisondryden.txt)

8.46 [Form of Participation Agreement among Prudential Investments LLC, Prudential Investment Management Services LLC and American United Life Insurance Company (11)](http://www.sec.gov/Archives/edgar/data/856341/000085634110000008/prudential.txt)

8.47 [Form of Selling Group Agreement between Teachers Advisors, Inc., Teachers Personal Investors Services, Inc., OneAmerica Securities, Inc. and American United Life Insurance Company (11)](http://www.sec.gov/Archives/edgar/data/856341/000085634110000008/tiaa.txt)

8.48 [Form of Selling and Shareholder Support Services Agreement between ALPS and American United Life Insurance Company & OneAmerica Securities, Inc. (12)](http://www.sec.gov/Archives/edgar/data/856341/000085361811000007/henssler.txt)

8.49 [Form Service Agreement between RidgeWorth Funds, American United Life Insurance Company and OneAmerica Securities, Inc.(12)](http://www.sec.gov/Archives/edgar/data/856341/000085361811000007/ridgworth.txt)

8.50 [Form of Service Agreement between Parnassus Investments and American United Life Insurance Company (12)](http://www.sec.gov/Archives/edgar/data/856341/000085361811000007/parnassusfunds.txt)

8.51 [Form of Administrative Services Agreement between American United Life Insurance Company and OneAmerica Securities, Inc. and Payden (12) & Rygel Distributors](http://www.sec.gov/Archives/edgar/data/856341/000085361811000007/payden.txt)

8.52 [Form of Form of Selling Group Agreement between Matrix Capital Groug, Inc., American United Life Insurance Company & OneAmerica Securities, Inc.](http://www.sec.gov/Archives/edgar/data/856341/000085361811000007/matrix.txt)

8.53 [Form of Recordkeeping Agreement between Federated Shareholder Services Company American United Life Insurance Company and OneAmerica Securities, Inc. (14)](http://www.sec.gov/Archives/edgar/data/856341/000110465915030111/a15-1949_1ex99d8d53.txt)

8.54 [Form of Participation Agreement among Putnam Management Limited Partnership, Putnam Investor Services, Inc., American United Life Insurance Company and OneAmerica Securities, Inc. (14)](http://www.sec.gov/Archives/edgar/data/856341/000110465915030111/a15-1949_1ex99d8d54.txt)

8.55 [Form of Shareholder Servicing Agreement between Schwartz Investment Counsel, Inc., American United Life Insurance Company and OneAmerica Securities, Inc. (14)](http://www.sec.gov/Archives/edgar/data/856341/000110465915030111/a15-1949_1ex99d8d55.txt)

8.56 [Form of Administrative Services Agreement between AQR Capital Management, LLC and American United Life Insurance Company (15)](http://www.sec.gov/Archives/edgar/data/856341/000110465916113493/a16-2849_1ex99d8d56.txt)

8.57 [Form of Service Agreement between MBSC Securities Corporation and OneAmerica Securities, Inc. (15)](http://www.sec.gov/Archives/edgar/data/856341/000110465916113493/a16-2849_1ex99d8d57.txt)

8.58 [Form of Shareholder Services Agreement among PNC Funds, PNC Advantage Funds, PNC Capital Advisors, LLC and American United Life Insurance Company (15)](http://www.sec.gov/Archives/edgar/data/856341/000110465916113493/a16-2849_1ex99d8d58.txt)

8.59 [Form of Selling Agreement between Principal Funds Distributor, Inc. and OneAmerica Securities, Inc. (16)](http://www.sec.gov/Archives/edgar/data/856341/000110465917026277/a17-3718_1ex99d8d59.txt)

8.60 [Form of Services Agreement between Principal Shareholder Services, Inc. and OneAmerica Securities, Inc. (16)](http://www.sec.gov/Archives/edgar/data/856341/000110465917026277/a17-3718_1ex99d8d60.txt)

8.61 [Form of Service Agreement between JPMorgan Distribution Services, Inc. and American United Life Insurance Company (17)](http://www.sec.gov/Archives/edgar/data/856341/000110465918026619/a18-5609_1ex99d8d61.txt)

8.62 [Form of Administrative Services Agreement by and among The Advisors' Inner Circle Fund III, on behalf of the Knights of Columbus Funds and American United Life Insurance Company (17)](http://www.sec.gov/Archives/edgar/data/856341/000110465918026619/a18-5609_1ex99d8d62.txt)

8.63 [Form of Sales Agreement with VP Distributors, LLC and OneAmerica Securities, Inc. (17)](http://www.sec.gov/Archives/edgar/data/856341/000110465918026619/a18-5609_1ex99d8d63.txt)

8.64 [Form of Service Agreement between Virtus Fund Services, LLC, American United Life Insurance Company, and OneAmerica Securities, Inc. (17)](http://www.sec.gov/Archives/edgar/data/856341/000110465918026619/a18-5609_1ex99d8d64.txt)

8.65 [Form of Service Agreement Payments between Virtus Fund Services, LLC, American United Life Insurance Company, and OneAmerica Securities, Inc. (17)](http://www.sec.gov/Archives/edgar/data/856341/000110465918026619/a18-5609_1ex99d8d65.txt)

8.66 [Form of Dealer Agreement between American Beacon Advisors, Inc. and OneAmerica Securities, Inc. (17)](http://www.sec.gov/Archives/edgar/data/856341/000110465918026619/a18-5609_1ex99d8d66.txt)

8.67 [Form of Services Agreement between Hartford Funds Distributors, LLC, American United Life Insurance Company and OneAmerica Securities, Inc. (18)](http://www.sec.gov/Archives/edgar/data/856341/000110465919024450/a19-3562_1ex99d8d67.txt)

8.68 [Form of Fund Agreement between Delaware Distributors, LP and American United Life Insurance Company (18)](http://www.sec.gov/Archives/edgar/data/856341/000110465919024450/a19-3562_1ex99d8d68.txt)

8.69 [Form of Dealer Agreement between New York Life Investment Management, LLC and OneAmerica Securities, Inc. (18)](http://www.sec.gov/Archives/edgar/data/856341/000110465919024450/a19-3562_1ex99d8d69.txt)

8.70 [Form of Participant Administrative Services Agreement between John Hancock Funds, LLC, American United Life Insurance Company, and OneAmerica Securities, Inc. (18)](http://www.sec.gov/Archives/edgar/data/856341/000110465919024450/a19-3562_1ex99d8d70.txt)

8.71 [Form of Administrative and Shareholder Services Agreeement between Wells Fargo Funds Distributor, LLC, American United Life Insurance Company and OneAmerica Securities, Inc. (18)](http://www.sec.gov/Archives/edgar/data/856341/000110465919024450/a19-3562_1ex99d8d71.txt)

8.72 [Form of Financial Services Agreement between Cohen & Steers Securities, LLC, American United Life Insurance Company and OneAmerica Securities, Inc. (18)](http://www.sec.gov/Archives/edgar/data/856341/000110465919024450/a19-3562_1ex99d8d72.txt)

8.73 [Form of Servicing Agreement between Natixis Distribution, LP, American United Life Insurance Company and OneAmerica Securities, Inc. (18)](http://www.sec.gov/Archives/edgar/data/856341/000110465919024450/a19-3562_1ex99d8d73.txt)

8.74 [Form of Financial Intermediary Agreement between Baron Capital, Inc., American United Life Insurance Company and OneAmerica Securities, Inc. (18)](http://www.sec.gov/Archives/edgar/data/856341/000110465919024450/a19-3562_1ex99d8d74.txt)

8.75 [Form of Dealer Sales and Services Agreement between William Blair & Company, LLC, American United Life Insurance Company and OneAmerica Securities, Inc. (18)](http://www.sec.gov/Archives/edgar/data/856341/000110465919024450/a19-3562_1ex99d8d75.txt)

8.76 [Form of Services Agreement between First Eagle Funds Distributors, LLC and American United Life Insurance Company (18)](http://www.sec.gov/Archives/edgar/data/856341/000110465919024450/a19-3562_1ex99d8d76.txt)

8.77 [Servicing Agreement between Nationwide Fund Management, LLC and American United Life Insurance Company and OneAmerica Securities, Inc. (19)](https://www.sec.gov/Archives/edgar/data/856341/000110465920050962/a20-1032_1ex99d8d77.htm)

8.78 [Service Agreement between Harbor Fund Distributors and American United Life Insurance Company (19)](https://www.sec.gov/Archives/edgar/data/856341/000110465920050962/a20-1032_1ex99d8d78.htm)

8.79 [Administrative Services Agreement TCW Funds Distributors and American United Life Insurance Company and OneAmerica Securities, Inc. (19)](https://www.sec.gov/Archives/edgar/data/856341/000110465920050962/a20-1032_1ex99d8d79.htm)

8.80 [Mutual Fund Sales and Service Agreement between Foreside Fund Services, LLC (Auxier) and OneAmerica Securities, Inc. (20)](http://www.sec.gov/Archives/edgar/data/856341/000110465921057318/a21-1436_7ex99d8d80.htm#Exhibit8_80_102633)

8.81 [Distribution and Shareholder Services Agreement between Voya Investments Distributor, LLC, American United Life Insurance Company, and OneAmerica Securities, Inc. (20)](http://www.sec.gov/Archives/edgar/data/856341/000110465921057318/a21-1436_7ex99d8d81.htm#Exhibit8_81_105338)

8.82 [Operating and Services Agreement between Baird Funds, Inc., American United Life Insurance Company, and OneAmerica Securities, Inc. (20)](http://www.sec.gov/Archives/edgar/data/856341/000110465921057318/a21-1436_7ex99d8d82.htm#Exhibit8_82_124837)

8.83 [Alta Trust Master Participation Agreement for the Intellecents Collective Investment Trust (21)](http://www.sec.gov/Archives/edgar/data/856341/000110465922049047/a22-3034_1ex99d8d83.htm)

8.84 [Calamos Investments Selling Agreement with American United Life Insurance Company and OneAmerica Securities, Inc. (21)](http://www.sec.gov/Archives/edgar/data/856341/000110465922049047/a22-3034_1ex99d8d84.htm)

8.85 [Shareholder Service Agreement for the Equity and Fixed Income Funds of Goldman Sachs Trust and OneAmerica Retirement Services, LLC (21)](http://www.sec.gov/Archives/edgar/data/856341/000110465922049047/a22-3034_1ex99d8d85.htm)

8.86 [Participation Agreement Hand Composite Employee Benefit Trust and American United Life Insurance Company (21)](http://www.sec.gov/Archives/edgar/data/856341/000110465922049047/a22-3034_1ex99d8d86.htm)

8.87 [Financial Intermediary Agreement between Lazard Asset Management Securities, LLC and American United Life Insurance Co. and OneAmerica Securities, Inc. (21)](http://www.sec.gov/Archives/edgar/data/856341/000110465922049047/a22-3034_1ex99d8d87.htm)

8.88 [Blackstone Participation Agreement with American United Life Insurance Company and OneAmerica Securities, Inc. (24)](https://www.sec.gov/Archives/edgar/data/856341/000110465923048951/tm236411d1_ex99-8d88.htm)

8.89 [Form of Dealer Agreement between Foreside Financial Services, LLC and OneAmerica Securities, Inc. (24)](https://www.sec.gov/Archives/edgar/data/856341/000110465923048951/tm236411d1_ex99-8d89.htm)

8.90 [Form of Dealer Agreement between Guggenheim Funds Distributors, LLC and OneAmerica Securities, Inc. (24)](https://www.sec.gov/Archives/edgar/data/856341/000110465923048951/tm236411d1_ex99-8d90.htm)

8.91 [Form of Dealer Agreement between UMB Distribution Services, LLC and American United Life Insurance Company (25)](http://www.sec.gov/Archives/edgar/data/856341/000110465925039403/tm256404d1_ex99-8d91.htm)

8.92 [Form of Distribution and Services Agreement between The Needham Funds, Inc. and American United Life Insurance Company (25)](http://www.sec.gov/Archives/edgar/data/856341/000110465925039403/tm256404d1_ex99-8d92.htm)

8.93 [Form of Trust Fund/SERV Agreement between Saturna Brokerage Services, Inc. and American United Life Insurance Company (25)](http://www.sec.gov/Archives/edgar/data/856341/000110465925039403/tm256404d1_ex99-8d93.htm)

8.94 [Form of Dealer Agreement between Crossmark Distributors, Inc. and American United Life Insurance Company (25)](http://www.sec.gov/Archives/edgar/data/856341/000110465925039403/tm256404d1_ex99-8d94.htm)

9. [Opinion and Consent of Counsel of AUL as to the legality of Contracts being registered (23)](http://www.sec.gov/Archives/edgar/data/856341/000110465922121724/a22-20695_1ex99d9.htm)

10. Miscellaneous Consents

10.1 [Consent of Independent Auditors (filed herewith)](tm263006d1_ex99-10x1.htm)

10.2 [Consent of Dechert LLP (filed herewith)](tm263006d1_ex99-10x2.htm)

10.3 [Powers of Attorney (25)](http://www.sec.gov/Archives/edgar/data/856341/000110465925039403/tm256404d1_ex99-10d3.htm)

10.4 [Rule 483 Certified Resolution (filed herewith)](tm263006d1_ex99-10x4.htm)

10.5 [Form of Initial Summary Prospectus (23)](https://www.sec.gov/Archives/edgar/data/856341/000110465922121724/a22-20695_1ex99d105.htm)

10.6 [Form of Updating Summary Prospectus (23)](https://www.sec.gov/Archives/edgar/data/856341/000110465922121724/a22-20695_1ex99d106.htm)

11. Not applicable

12. Not applicable

(1) Re-filed with the Registrant's Post-Effective Amendment
No. 15 (File No. 33-31375) on April 20, 2009.

(2) Filed with the Registrant's Post-Effective Amendment No. 17
(File No. 33-31375) on April 30, 1999.

(3) Filed with the Registrant's Post-Effective Amendment No. 21
(File No. 33-31375) on July 27, 2001.

(4) Filed with the Registrant's Post-Effective Amendment No. 22
(File No. 33-31375) on May 1, 2002.

(5) Filed with the Registrant's Post-Effective Amendment No. 23
(File No. 33-31375) on April 30, 2003.

(6) Filed with the Registrant's Post-Effective Amendment No. 26
(File No. 33-31375) on April 28, 2004.

(7) Filed with the Registrant's Post-Effective Amendment No. 27
(File No. 33-31375) on July 2, 2004.

(8) Filed with the Registrant's Post-Effective Amendment No. 28
(File No. 33-31375) on April 29, 2005.

(9) Filed with the Registrant's Post-Effective Amendment No. 30
(File No. 33-31375) on April 28, 2006.

(10) Filed with the Registrant's Post-Effective Amendment No. 36
(File No. 33-31375) on April 20, 2009.

(11) Filed with the Registrant's Post-Effective Amendment No. 37
(File No. 33-31375) on April 19, 2010.

(12) Filed with the Registrant's Post-Effective Amendment No. 38
(File No. 33-31375) on April 19, 2011.

(13) Filed with the Registrant's Post-Effective Amendment No. 39
(File No. 33-31375) on April 20, 2012.

(14) Filed with the Registrant's Post-Effective Amendment No. 43
(File No. 33-31375) on April 24, 2015.

(15) Filed with the Registrant's Post-Effective Amendment No. 44
(File No. 33-31375) on April 22, 2016.

(16) Filed with the Registrant's Post-Effective Amendment No. 45
(File No. 33-31375) on April 26, 2017.

(17) Filed with the Registrant's Post-Effective Amendment No. 46
(File No. 33-31375) on April 25, 2018.

(18) Filed with the Registrant's Post-Effective Amendment No. 47
(File No. 33-31375) on April 29, 2019.

(19) Filed with the Registrant's Post-Effective Amendment No. 49
(File No. 33-31375) on April 24, 2020.

(20) Filed with the Registrant's Post-Effective Amendment No. 50
(File No. 33-31375) on April 29, 2021.

(21) Filed with the Registrant's Post-Effective Amendment No. 51
(File No. 33-31375) on April 22, 2022.

(22) Filed with the Registrant's Post-Effective Amendment No. 52
(File No. 33-31375) on May 11, 2022.

(23) Filed with Registrant's Post-Effective
Amendment No. 58 (File No. 33-31375) on November 23, 2022.

(24) Filed with Registrant's
 Post-Effective Amendment No. 59 (File No. 33-31375) on April 24, 2023.

(25) Filed with the Registrant's Post-Effective Amendment No. 61
 (File No. 33-31375) on April 25, 2025

ITEM 28. DIRECTORS AND OFFICERS OF AUL

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| | |
|:---|:---|
| **NAME AND PRINCIPAL**<br>**BUSINESS ADDRESS\*** | **POSITIONS AND OFFICES**<br>**WITH AUL** |
| Timothy S. Bischof\* | Chief Financial Officer (3/25 - present) |
| J. Scott Davison\* | President and Chief Executive Officer (8/13 - present); Chairman, AUL (3/14 - present) |
| Richard M. Ellery\* | General Counsel and Secretary (4/19 - present); Director (4/19 - present) |
| Kelley L. Gay\* | Chief Marketing Officer (1/19 - present); Director, AUL (5/24 - present) |
| Dennis C. Martin\* | President, Individual Life and Financial Services (1/18 - present); Director, AUL (4/19 - present) |
| Karin W. Sarratt\* | Chief Operating Officer (9/16 - present); Director, AUL (12/16 - present) |
| David M. Weisenburger\* | Chief Investment Officer (6/23 - present); Director, AUL (3/25 - present) |

---

\* The Principal business address of all of the persons listed is One American Square, Indianapolis, Indiana 46206-0368

ITEM 29. PERSONS CONTROLLED BY OR UNDER COMMON CONTROL WITH THE DEPOSITOR OR THE REGISTRANT

AMERICAN UNITED LIFE INSURANCE COMPANY ("AUL") is a stock insurance company existing under the laws of the State of Indiana. It was originally incorporated as a fraternal society on November 7, 1877, under the laws of the federal government and reincorporated as a mutual insurance company under the laws of the State of Indiana in 1933. On December 17, 2000, AUL converted from a mutual life insurance company to a stock life insurance company ultimately controlled by a mutual holding company, American United Mutual Insurance Holding Company.

AMERICAN UNITED MUTUAL INSURANCE HOLDING COMPANY ("AUMIHC") is a mutual holding company created on December 17, 2000, under the laws of the state of Indiana. The rights of policyowners of American United Life Insurance Company, including the right to elect directors to the Board of Directors, reside with this entity, which must hold at least 51% of the voting stock of the stock holding company, OneAmerica Financial Partners, Inc.

AUL REINSURANCE MANAGEMENT SERVICES, LLC ("RMS") is a limited liability company organized under the laws of Indiana on November 3, 1999. RMS is a reinsurance manager. Since divestiture of AUL's life reinsurance division, most reinsurance and AUL Long Term Care Solutions, Inc. were transferred to Employers Reinsurance Corporation on July 1, 2002.

NEWOHIO, LLC ("NewOhio") is an Indiana limited liability company that was formed by OneAmerica on May 2, 2011 for the purposes of (a) acquiring, holding and/or disposing of mortgage loans and/or real estate and/or interested therein, from OneAmerica or from any of its subsidiaries. The sole initial member of NewOhio is OneAmerica.

OLDOHIO, LLC ("OldOhio") is an Indiana limited liability company that was formed by OneAmerica on September 19, 2011, for the purposes of (a) acquiring, holding and/or disposing of mortgage loans and/or real estate and/or interested therein, from OneAmerica or from any of its subsidiaries. The sole initial member of NewOhio is OneAmerica.

ONEAMERICA ASSET MANAGEMENT, LLC ("OAM") is a limited liability company organized under the laws of Indiana on October 12, 2012. OAM acts as an investment adviser registered with the appropriate governmental or regulatory authorities and succeeds to the investment advisory business of AUL. The sole initial member of the OAM is OneAmerica Financial Partners, Inc which is wholly owned by AUMIHC.

ONEAMERICA FINANCIAL PARTNERS, INC. ("OAFP") is a stock holding company organized under the laws of Indiana. OAFP is wholly owned by AUMIHC which must always hold at least 51 percent of the voting of the stock of OAFP. In 2003, the Stock Holding Company issued $200 million aggregate principal amount of its 7 percent senior notes due 2033. OAFP owns 100 percent of the voting stock of AUL and is the sole member of OAM.

ONEAMERICA SECURITIES, INC. ("OAS") (broker-dealer No. 801-56819) is a wholly owned subsidiary of AUL and was incorporated on June 4, 1969, and acts as a broker-dealer of securities products. On January 1, 2002, the name of this corporation was changed. The prior name was AUL Equity Sales Corp. As of December 31, 2018, the total number of shares, all without par value, that the corporation is authorized to issue is 1,000 shares. As of December 31, 2018, 400 shares are issued and outstanding all of which were purchased and are owned by AUL.

PIONEER MUTUAL LIFE INSURANCE COMPANY A STOCK SUBSIDIARY OF AUMIHC ("Pioneer") is a North Dakota domestic insurance company whose principal business is the sale of life insurance policies and annuity contracts. During calendar year 2001, Pioneer, pursuant to the authority of the North Dakota and Indiana Insurance Commissioners, and with the approval of its members, reorganized from a mutual insurance company to become part of AUMIHC. Effective January 1, 2002, Pioneer is wholly owned by OneAmerica, which is wholly owned by AUMIHC, and its former members are now voting members of AUMIHC.

THE STATE LIFE INSURANCE COMPANY ("State Life") is an Indiana domestic stock subsidiary of AUMIHC whose principal business is the sale of life insurance and long-term care insurance products. State Life became part of the insurance holding company system on September 23, 1994. During calendar year 2004, State Life, pursuant to the authority of the Indiana Insurance Commissioner and with the approval of its members, reorganized from a mutual insurance company to become a stock insurance subsidiary of AUMIHC. Effective December 30, 2004, State Life is wholly owned by OneAmerica, which is wholly owned by AUMIHC, and its former members are now voting members of AUMIHC.

REGISTRANT, AUL AMERICAN UNIT TRUST (File No. 811-5929), AUL AMERICAN INDIVIDUAL VARIABLE ANNUITY UNIT TRUST (File No. 811-9193), AUL AMERICAN INDIVIDUAL UNIT TRUST (File No. 811-8536), and AUL AMERICAN INDIVIDUAL VARIABLE LIFE UNIT TRUST (File No. 811-8311), are separate accounts of AUL, organized for the purpose of the sale of individual and group variable annuity contracts, respectively.

ITEM 30. INDEMNIFICATION

Article IX, Section 1 of the Second Amended and Restated Articles of Incorporation of American United Life Insurance Company provides as follows:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) | Coverage. The Corporation shall indemnfy as a matter of right, every person made a party to a proceeding because such person (an "Indemnitee") is or was: |
| (i) | a member of the Board of Directors of the Corporation, |
| (ii) | an officer of the Corporation, or |
| (iii) | while a director or officer of the Corporation, serving at the Corporation's request as a director, officer, partner, trustee, member, manager, employee, or agent of another foreign or domestic corporation, limited liability company, partnership, joint venture, trust, employee benefit plan, or other enterprise, whether for profit or not, |
|  | Notwithstanding the foregoing, it must be determined in the specific case that indemnification of the Indemnitee is permissible in the circumstances because the Indemnitee has met the standard of conduct for indemnification specified in Indiana Code 27-1-7.5-8 (or any successor provision). The Corporation shall pay for or reimburse the reasonable expenses incurred by an Indemnitee in connection with any such proceeding in advance of final disposition thereof in accordance with the procedures and subject to the conditions specified in Indiana Code 27-1-7.5-10 (or any successor provision). The Corporation shall indemnify as a matter of right an Indemnitee who is wholly successful, on the merits or otherwise, in the defense of any such proceeding, against reasonable expenses incurred by the Indemnitee in connection with the proceeding without the requirement of a determination as set forth in the first sentence of this paragraph. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Determination. Upon demand by a person for indemnification or advancement of expenses, as the case may be, the Corporation shall expeditiously determine whether the person is entitled thereto in accordance with this Article and the procedures specified in Indiana Code 27-1-7.5-12 (or any successor provision).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Effective Date. The indemnification provided under this Article shall apply to any proceeding arising from acts or omissions occurring before or after the adoption of this Article.

ITEM 31. PRINCIPAL UNDERWRITERS

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Other Activity. OneAmerica Securities, Inc. acts as the principal underwriter for policies offered by AUL through AUL American Individual Unit Trust (File No. 811-08536), AUL American Unit Trust (File No. 811-05929), AUL American Individual Variable Life Unit Trust (File No. 811-08311) and AUL American Individual Variable Annuity Unit Trust (File No. 811-09193).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Management. The directors and principal officers of OneAmerica Securities, Inc. are as follows:

---

| | |
|:---|:---|
| **NAME AND PRINCIPAL**<br>**BUSINESS ADDRESS\*** | **POSITIONS AND OFFICES**<br>**WITH ONEAMERICA SECURITIES, INC.** |
| Matthew T. Fleetwood\* | President |
| Daniel Snyder\* | Treasurer |
| Sean P. McGoff\* | Chief Counsel and Secretary |
| Kory L. Bickel\* | Chief Compliance Officer |
| James Yang\* | Chief Information Security Officer |
| Eric D. Smiley\* | Director of Operations |
| Bryan K. Hartley\* | Financial Report Manager |
| Nicholas J. Cayetano\* | Anti-Money Laundering Officer |
| Dennis J. Sandelski\* | Vice President, Tax |
| Shaun Weyer\* | Sales Development Director |
| Taylor Lionberger\* | Sales Development Director |

---

\* The Principal business address of all of the persons listed is One American Square, Indianapolis, Indiana 46206-0368

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Not applicable

ITEM 32. LOCATION OF ACCOUNTS AND RECORDS

The accounts, books and other documents required to be maintained by Registrant pursuant to Section 31(a) of the investment Company Act of 1940 and the rules under that section will be maintained at One American Square, Indianapolis, Indiana 46206-0368.

ITEM 33. MANAGEMENT SERVICES

There are no management-related service contracts not discussed in Part A or Part B.

ITEM 34. FEE REPRESENTATION

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Registrant and its Depositor are relying upon American Council of Life Insurance, SEC No-Action Letter, SEC Ref. No. IP-6-88
(November 28, 1988) with respect to annuity contract offered as funding vehicles for retirement plans meeting the requirements of
Section 403(b) of the Internal Revenue Code, and the provisions of paragraphs (1) - (4) of this letter have been complied
with.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) American United Life Insurance Company ("Insurance Company") represents that the aggregate fees and charges deducted under
the variable annuity contracts described in this registration statement are reasonable in relation to the services rendered, the expenses
expected to be incurred, and the risks assumed by the Insurance Company.

SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant has caused this Post-Effective Amendment to the Registration Statement to be signed on its behalf, in the City of Indianapolis, and the State of Indiana on this 29th day of April 2026.

---

| |
|:---|
| AUL AMERICAN UNIT TRUST |
| By: American United Life Insurance Company |
| By: |
| Name: J. Scott Davison\* |
| Title: Chairman, President & CEO |
| AMERICAN UNITED LIFE INSURANCE COMPANY(R) |
| (Depositor) |
| By: |
| Name: J. Scott Davison\* |
| Title: Chairman, President & CEO |

---

---

| | |
|:---|:---|
| \* By: | /s/ Sean P. McGoff |
| Sean P. McGoff as attorney in fact | Sean P. McGoff as attorney in fact |
| Date: April 29, 2026 | Date: April 29, 2026 |

---

As required by the Securities Act of 1933, this Post-Effective Amendment to the Registration Statement has been signed by the following persons in the capacities and on the dates indicated.

---

| | | |
|:---|:---|:---|
| **SIGNATURE** | **TITLE** | **DATE** |
| Timothy S. Bischof\* | Chief Financial Officer | April 29, 2026 |
| J. Scott Davison\* | Chairman, Principal Executive Officer | April 29, 2026 |
| Richard C. Ellery\* | Director | April 29, 2026 |
| Kelley L. Gay\* | Director | April 29, 2026 |
| Dennis C. Martin\* | Director | April 29, 2026 |
| Karin W. Sarratt\* | Director | April 29, 2026 |
| David M. Weisenburger\* | Director | April 29, 2026 |

---

---

| | |
|:---|:---|
| \*By: | /s/ Sean P. McGoff |
| Sean P. McGoff as attorney in fact | Sean P. McGoff as attorney in fact |

---

EXHIBITS FILED WITH FORM N-4

---

| | |
|:---|:---|
| [10.1](tm263006d1_ex99-10x1.htm) | [Consent of Independent Auditors](tm263006d1_ex99-10x1.htm) |
| [10.2](tm263006d1_ex99-10x2.htm) | [Consent of Dechert LLP](tm263006d1_ex99-10x2.htm) |
| [10.4](tm263006d1_ex99-10x4.htm) | [Rule 483 Certified Resolution](tm263006d1_ex99-10x4.htm) |

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## Exhibit 99.10

**Exhibit 99.10.1**

![](tm256404d1_ex99-10d1img001.jpg)

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in this Post-Effective Amendment No. 62 to the Registration Statement on Form N-4 (No. 033-31375) (the "Registration Statement") of our report dated April 14, 2026 relating to the statutory financial statements of American United Life Insurance Company and consent to the use in the Registration Statement of our report dated April 29, 2026, relating to the financial statements of each of the subaccounts of AUL American Unit Trust indicated in our report. We also consent to the references to us under the headings "Independent Registered Public Accounting Firm" in such Registration Statement.

/s/ PricewaterhouseCoopers LLP

Indianapolis, Indiana

April 29, 2026

## Exhibit 99.10

**Exhibit 99.10.2**

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| ![](tm263006d1_consotimg01.jpg) | **Dechert LLP**<br> 1900 K Street, N.W.<br> Washington, DC 20006-1110<br> +1 202 261 3300 Main<br> +1 202 261 3333 Fax<br>|

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April 29, 2026

American United Life Insurance Company<sup>®</sup>

One American Square

Indianapolis, IN 46206-0368

Re: AUL American Unit Trust <br> (File Nos. 033-31375 and File No. 811-5929)

Dear Ladies and Gentlemen:

We hereby consent to the use of our name under the caption "Legal Matters" in the Prospectus filed as a part of Post-Effective Amendment No. 62 to AUL American Unit Trust's Registration Statement, unless and until we revoke such consent. In giving such consent, however, we do not admit that we are within the category of persons whose consent is required by Section 7 of the Securities Act of 1933, as amended, and the rules and regulations thereunder.

Very truly yours,

<u>/s/ Dechert LLP</u>

Dechert LLP

## Exhibit 99.10

**Exhibit 99.10.4**

**AMERICAN UNITED LIFE INSURANCE COMPANY**

**CERTIFICATE OF RESOLUTION**

I, Cynthia Reese, do hereby certify that I am the duly elected and qualified Assistant Secretary of American United Life Insurance Company (the "Corporation"), and a keeper of the records and corporate seal of the Corporation, and that the following is a true and correct copy of a resolution adopted by the Board of Directors (the "Board") of the Corporation effective March 2, 2026:

**RESOLUTION OF**

**THE BOARD OF DIRECTORS OF**

**AMERICAN UNITED LIFE INSURANCE COMPANY**

**Securities Filings**

**March 2, 2026**

The Board of Directors of American United Life Insurance Company (the "Corporation") hereby resolve as follows with respect to the Corporation's securities filings identified below:

**RESOLVED,** That the Board of Directors does hereby authorize and direct employees of the Corporation to execute and file with the Securities and Exchange Commission (the "SEC"), Post-Effective Amendments to the Retirement Services' AUL American Unit Trust's Registration Statement, File No. 033-31375; the Individual AUL American Individual Variable Annuity Unit Trust's (IVA) Registration Statement, File No. 033-79562; the Individual AUL American Individual Variable Annuity Unit Trust's (DirectPoint) Registration Statement, File No. 033-70065; the Individual AUL American Individual Variable Annuity Unit Trust's (StarPoint) Registration Statement, File No. 333-99191; the Individual AUL American Individual Variable Annuity Unit Trust's (Voyage Protector) Registration Statement, File No. 333-141415; the Individual AUL American Individual Variable Annuity Unit Trust's (Select Point) Registration Statement, File No. 333-70049; the Individual AUL American Individual Variable Life Unit Trust's (VULF) Registration Statement, File No. 333-32521; the Individual AUL American Individual Variable Life Unit Trust's (VULS) Registration Statement, File No. 333-32553; the Individual AUL American Individual Variable Life Unit Trust's (American Accumulator) Registration Statement, File No. 333-152925; and the Individual AUL American Individual Variable Life Unit Trust's (OneAmerica VUL) Registration Statement, File No. 333-263757; all under the Securities Act of 1933, as amended, and under the Investment Company Act of 1940, as amended, and as necessary and applicable, in order to continue the issuance and sale of units of the separate accounts;

**FURTHER RESOLVED,** That the Board of Directors does hereby authorize Richard M. Ellery, General Counsel and Secretary, Stephen L. Due, Deputy General Counsel, and Sean P. McGoff, Assistant General Counsel, to make such alterations and changes in the Post-Effective Amendments to the aforementioned Registration Statements as they may deem appropriate or necessary to comply with the requirements imposed by the SEC for the filing of any and all Post-Effective Amendments to the Registration Statements; and

**FURTHER RESOLVED,** That the Directors, officers, and employees of the Corporation who may be required to execute the separate accounts' Registration Statements on Form N-4, N-6 and any amendments thereto be, and each of them hereby is, authorized to execute a power of attorney (or any such previously executed power of attorney is hereby ratified), appointing Richard M. Ellery, Stephen L. Due, and Sean P. McGoff their true and lawful attorneys, to execute in their name, place and stead, in their capacity as Director, officer, or employee of the Corporation, said Registration Statements and any amendments thereto, and all instruments necessary or incidental in connection therewith, and to file the same with the SEC; and said attorneys shall have the power to act thereunder and shall have full power of substitution and resubstition; and said attorneys shall have full power and authority to do and perform in the name and on behalf of each of said Directors, officers, and employees, or any or all of them, in any and all capacities, every act whatsoever requisite or necessary to be done in the premises, as fully and to all intents and purposes as each of said Directors, officers, and employees, or any or all of them, might or could do in person, said acts of said attorneys, being hereby ratified and approved.

I further certify that the foregoing resolution has not been rescinded or modified and is in full force and effect.

IN WITNESS WHEREOF, I have hereunto affixed my name as Assistant Secretary this 3/10/2026 \| 1:51 PM EDT day of____________, 2026.

/s/ Cynthia Reese

Cynthia Reese, Assistant Secretary