497VPU

The Variable Annuity Life Insurance Company

Portfolio Director®

For Series 1.60 to 12.60

Updating Summary Prospectus
May 1, 2026

This updating summary prospectus provides updated information about Portfolio Director® group and individual fixed and variable deferred annuity contracts issued by The Variable Annuity Life Insurance Company. The prospectus for the Contract contains more information about the Contract, including its features, benefits, and risks. You can find the current prospectus and other information about the Contract online at www.corebridgefinancial.com/rs/prospectus-and-reports/annuities. You can also obtain this information at no cost by calling us at 1-800-448-2542 or by writing to our Annuity Service Center (VALIC Document Control, P.O. Box 15648, Amarillo, Texas 79105).

The Contract is available to participants who receive certificates in certain employer-sponsored qualified retirement plans, as an individual retirement account (IRA) or as a non-qualified contract. Nonqualified contracts are also available for certain employer plans as well as for certain after-tax arrangements that are not part of an employer’s plan. The Contracts permit Participants to invest in and receive retirement benefits in one or more Fixed Account Options and/or an array of Variable Investment Options described in this prospectus. If your Contract is part of your employer’s retirement program, that program will describe which Variable Investment Options are available to you. If your Contract is a tax-deferred nonqualified annuity that is not part of your employer’s retirement plan, those Variable Investment Options that are invested in Portfolio Companies available to the public outside of annuity contracts, life insurance contracts, or certain employer-sponsored retirement plans will not be available within your Contract.

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

The Contract may be used where you have engaged an investment adviser to provide investment advice regarding the periodic allocation of investments within the Contract. We call this an “Advisory Program.” For new investors, the investment adviser must be our affiliate VALIC Financial Advisors, Inc. (“VFA”), a registered investment adviser. VFA will charge a fee for such services, and any fee is in addition to the Contract’s fees and expenses. If you are a current contract owner, you may have engaged an investment adviser through a third-party, who is not affiliated with us. For new investors, we no longer honor investment adviser transfer requests in connection with Advisory Programs that are offered through third-party investment advisers.

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

This updating summary prospectus describes 12 different classes of the Contract. We call these classes “series” in the contract and in marketing materials. There are differences among the series with respect to surrender charges, other fees and charges, restrictions, and features. Each series is offered to certain group plans or through certain markets. Certain series are no longer available for new sales.

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

Special Terms Used in this Summary Prospectus

Account Value

The total sum of your Fixed Account Option(s) and/or Variable Investment Option(s) that have not yet

been applied to your annuity payments.

Advisory Program

The investment advice service provided by your Investment Adviser. Guided Portfolio AdvantageSM /

Guided Portfolio Services® are the financial advice services offered by our affiliate, VALIC Financial

Advisors, Inc., a registered investment adviser and Company subsidiary (“VFA”). A separate investment

advisory fee and agreement are required for either of these services, if available under an employer’s

retirement plan. Alternatively, you may have enrolled in an Advisory Program offered by a third-party

investment adviser who is not affiliated with us. There may also be an advisory fee required by that

adviser. You should ask your investment adviser about any fees charged for investment advice

provided. For new investors, we no longer honor investment adviser transfer requests in connection

with Advisory Programs that are offered through third-party Investment Advisers.

Contract

The group and individual fixed and variable deferred annuity contracts summarized in this summary

prospectus and described in more detail in the prospectus.

Fixed Account Option

An account that is guaranteed to earn at least a minimum rate of interest while invested in VALIC’s

general account.

Fixed Account Plus

A type of Fixed Account Option under the Contract.

Investment Adviser

The investment adviser that you have engaged to provide services as part of an Advisory Program. The

investment adviser may have been engaged through a third party. For new investors, we only support

Advisory Programs that are offered through our affiliate, VALIC Financial Advisors (“VFA”), Inc., a

registered investment adviser and our subsidiary. There are typically advisory fees associated with an

Advisory Program. Those fees are separate from the Contract’s fees and charges.

VALIC is not an investment adviser to any Advisory Program and does not provide any advice under an

Advisory Program.

Living Benefit

An optional guaranteed minimum withdrawal benefit designed to help you create a guaranteed income

stream for a specified period of time or as long as you and your spouse live, even if your entire Account

Value has been reduced to zero. Living Benefits are no longer available for purchase.

Market Close

The close of regular trading on the NYSE, generally 4:00 p.m., Eastern Time, on each day the NYSE is

open for business.

Multi-Year Enhanced

Option

A type of Fixed Account Option, potentially subject to market value adjustments.

Platform Charge

A fee we charge in order to make certain underlying Funds available as an investment option under the

Contract.

Portfolio Company

The investment portfolio(s) of a registered open-end management investment company, which serves

as the underlying investment vehicle for each Division represented in VALIC Separate Account A. Also

referred to as Mutual Fund or Fund.

Purchase Payment

An amount of money you or your employer pay to VALIC to receive the benefits of a Contract.

Short-Term Fixed Account

A type of Fixed Account Option under the Contract.

VALIC (we, us, our)

The Variable Annuity Life Insurance Company.

Variable Investment

Option (or Division)

Any variable investment option under the Contract. Each Variable Investment Option invests in the

shares of a single Portfolio Company.

Updated Information About Your Contract

The following is a summary of certain Contract features that have changed since the prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

At a meeting held on April 23, 2025, the Board of Directors (the “Board”) of VALIC Company I approved to the investment Sub-Advisory Agreement between The Variable Annuity Life Insurance Company (“VALIC”), the Fund’s investment adviser, and T. Rowe Price Associates, Inc. (“T. Rowe Price”) and J.P. Morgan Investment Management Inc. (“JPMorgan”) with respect to Large Capital Growth Fund. T. Rowe Price and JPMorgan replaced Massachusetts Financial Services Company as the subadvisors to the Fund. In connection with the appointment of T. Rowe Price and JPMorgan, the Board approved a change in the Fund’s name to “Large Cap Core Fund”, along with changes to the Fund’s principal investment strategies and techniques.

At a meeting held on August 5-6, 2025 (the “Meeting”), the Board of Directors (the “Board”) of VALIC Company I approved changes to the “Aggressive Growth Lifestyle Fund” name to “Aggressive Allocation Lifestyle Fund”, along with changes to the Fund’s principal investment strategies and techniques.

At a meeting held on August 5-6, 2025 (the “Meeting”), the Board of Directors (the “Board”) of VALIC Company I approved changes to the “Conservative Growth Lifestyle Fund” name to “Conservative Allocation Lifestyle Fund”, along with changes to the Fund’s principal investment strategies and techniques.

At a meeting held on August 5-6, 2025 (the “Meeting”), the Board of Directors (the “Board”) of VALIC Company I approved changes to the “Moderate Growth Lifestyle Fund” name to “Moderate Allocation Lifestyle Fund”, along with changes to the Fund’s principal investment strategies and techniques.

At a meeting held on January 21-22, 2026 (the “Meeting”), the Board of Directors (the “Board”) of VALIC Company I approved to the investment Sub-Advisory Agreement between The Variable Annuity Life Insurance Company (“VALIC”), the fund’s investment adviser, and Invesco Advisers, Inc. (“Invesco”) with respect to the Small Cap Special Values Fund. In connection with the appointment of Invesco Advisers, Inc. (“Invesco”), the Board approved a change in the Fund’s name to “Small Cap Core Fund”, along with changes to the Fund’s principal investment strategies and techniques.

Key Information

Important Information You Should Consider About the Contract

	FEES AND EXPENSES	Location in Prospectus
Are There Charges for Early Withdrawals?	Yes. Your Contract may be subject to surrender charges depending on the series of Contract: •Series 1, 3, 4, 5, 7, 8, 9, and 10. If you withdraw money under the Contract within five years of making a Purchase Payment, you will be assessed a surrender charge of up to 5%, either as a percentage of the amount withdrawn or as a percentage of Purchase Payments made during the last five years, whichever is less. •Series 2, 6, 11, and 12. No surrender charge. For example, if you own a series 1, 3, 4, 5, 7, 8, 9, or 10 Contract and make an early withdrawal, you could pay a surrender charge of up to $5,000 on a $100,000 investment and such surrender charge may be greater if subject to taxes or tax penalities. No surrender charges would apply to a series 2, 6, 11, or 12 Contract. You may be subject to a market value adjustment if you make an early withdrawal or transfer from a Multi-Year Enhanced Option (a type of Fixed Account Option).	Fee Table Charges and Adjustments – Surrender Charge
Are There Transaction Charges?	Yes. In addition to surrender charges (if applicable), you may also be charged for other transactions. •You may be subject to a market value adjustment if you make an early withdrawal or transfer from a Multi-Year Enhanced Option (a type of Fixed Account Option). •In certain states, you may be subject to a loan application fee and loan interest if you request a loan under the Contract. •Under a series 11 contract, if you transfer amounts from the Fixed Account Plus option to another Investment Option under the Contract (or another funding entity) in excess of the annual limit, you may be subject to a charge of 5% on the excess amount transferred. •There may also be taxes on Purchase Payments.	Fee Table Charges and Adjustments

	FEES AND EXPENSES			Location in Prospectus
Are There Ongoing Fees and Expenses?	Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options and optional benefits 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 fees and expenses do not reflect any advisory fees paid to an investment adviser from the Contract or other Contract owner assets. If such charges were reflected, the fees and expenses would be higher. Interest on Contract loans is not reflected below.			Charges and Adjustments
	Annual Fee	Minimum	Maximum
	Base Contract1 (varies by Contract Class)	0.40%	0.41%
	Portfolio Company fees and expenses2	0.20%	1.18%
	Optional Benefits available for an additional charge (for a single optional benefit, if elected)	0.65%3	3.10%4
	1 As a percentage of average daily net asset value allocated to a Variable Investment Option, plus for the Maximum charge, an amount attributable to the annual variable investment option maintenance charge, which is applicable to series 1 and 9 only. 2 As a percentage of Portfolio Company net assets, plus any applicable amounts deemed to be Platform Charge. 3 As a percentage of the benefit base used to calculate the guaranteed benefit. This represents the minimum charge for the least expensive (Minimum) Living Benefit. 4 As a percentage of the benefit base used to calculate the guaranteed benefit. This represents the maximum charge for most expensive (Maximum) Living Benefit, for which the current charge may fluctuate quarterly based on market volatility based on the Living Benefit effective date.
	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.
	Lowest Annual Cost: $613	Highest Annual Cost: $4,702
	Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Contract Classes and Portfolio Company fees and expenses •No optional benefits •No sales charge or advisory fee •No loans, additional Purchase Payments, transfers, or withdrawals	Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of Contract Classes, optional benefits, and Portfolio Company fees and expenses •No sales charge or advisory fee •No loans, additional Purchase Payments, transfers, or withdrawals

	RISKS	Location in Prospectus
Is There a Risk of Loss from Poor Performance?	Yes. You can lose money by investing in this Contract, including your principal investment.	Principal Risks of Investing in the Contract
Is this a Short-Term Investment?	•No. This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Amounts withdrawn from series 1, 3, 4, 5, 7, 8, 9, or 10 Contract may result in surrender charges, taxes and tax penalties. Surrender charges could significantly reduce the amount that you receive upon taking a withdrawal. Withdrawals may also reduce or terminate Contract guarantees and may result in taxes and tax penalties. •If you select the Fixed Account Plus option for investment, your ability to transfer amounts from that option is subject to an annual limit. It may take several years to transfer all amounts from the Fixed Account Plus option. Under a series 11 Contract, if you transfer amounts from the Fixed Account Plus option in excess of that annual limit (including withdrawals from the Fixed Account Plus option for the purpose of transferring assets to another funding entity), you may be subject to a charge. •You may be subject to a market value adjustment if you make an early withdrawal or transfer from a Multi-Year Enhanced Option (a type of Fixed Account Option). •The benefits of tax deferral, long-term income, and optional Living Benefit guarantees mean the Contract is generally more beneficial to investors with a long investment time horizon.
What Are the Risks Associated with the Investment Options?	•An investment in this 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. •Each Variable Investment Option and each Fixed Account Option has its own unique risks. •You should review the Variable Investment Options and Fixed Account Options before making an investment decision.
What Are the Risks Related to the Insurance Company?	An investment in the Contract is subject to the risks related to us, VALIC. Any obligations (including under any Fixed Account Options), guarantees, and benefits of the Contract are subject to the claims-paying ability of VALIC. If we experience financial distress, we may not be able to meet our obligations to you. More information about us, including our financial strength ratings, is available upon request by calling 1-800-448-2542 or visiting www.corebridgefinancial.com/rs.

	RESTRICTIONS	Location in Prospectus
Are There Restrictions on the Investment Options?	•Yes. There are restrictions that may limit the Variable Investment Options and Fixed Account Options that you may choose as well as limitations on the transfer of the contract value among the Variable Investment Options and Fixed Account Options. Certain Investment Options may not be available under your Contract. Some in-plan deferred compensation plans may restrict investment in Public Funds. If your Contract is a tax-deferred nonqualified annuity that is not part of your employer’s retirement plan, Variable Investment Options investing in a Public Fund will not be available to you. •You may transfer funds between the Investment Options, subject to certain restrictions. •Transfers between the Investment Options, as well as certain purchases and redemptions, are subject to policies designed to deter market timing and frequent transfers. •Transfers to and from the Fixed Account Options are subject to special restrictions. •Early withdrawals and transfers from a Multi-Year Enhanced Option may be subject to negative adjustments. •We reserve the right to remove or substitute Portfolio Companies as Investment Options and also reserve the right to stop accepting additional Purchase Payments. •If you are enrolled in an Advisory Program, you are personally prohibited from making transfers among Investment Options in the Contract. During such period, transfer instructions may only be provided by the Investment Adviser. If you terminate the Advisory Program, you may make transfers among the Investment Options subject to certain restrictions.	Variable Investment Options and Fixed Account Options Transfers Between Investment Options
Are There any Restrictions on Contract Benefits?	•Yes. Additional restrictions and limitations apply under the Contract’s optional Living Benefits, which are no longer available for purchase. •If you elected an optional Living Benefit, not all Investment Options may be available and you must invest in accordance with any applicable investment restrictions. •We may modify the investment restrictions for an optional Living Benefit. •Withdrawals that exceed limits specified by the terms of an optional Living Benefit may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn and could terminate the benefit. •If you are participating in an Advisory Program and your Investment Adviser’s fees are deducted from your Contract, the deduction of those fees may reduce the optional living benefit, death benefit and any other guaranteed benefit, and may be subject to surrender charges, federal and state income taxes and a 10% federal penalty tax.	Appendix B – Living Benefits Advisory Program Taxes
	TAXES
What Are the Contract’s Tax Implications?	•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. •If you purchase the Contract through a tax-qualified plan or an IRA, there is no additional tax benefit under the Contract. •Withdrawals, including withdrawals to pay your Investment Adviser’s fees, may be subject to ordinary income tax and may be subject to tax penalties, including if you take a withdrawal before age 59½.	Taxes

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

Appendix A — Investment Options Available Under the Contract

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

The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.corebridgefinancial.com/rs/prospectus-and-reports/annuities. You can also request this information at no cost by calling 1-800-448-2542. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies. See “Investment Restrictions for Optional Living Benefits” in this appendix.

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

Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)1	Current Expenses	Platform Charge6	Current Expenses + Platform Charge	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)1	Current Expenses	Platform Charge6	Current Expenses + Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Domestic Large-Cap Equity	American Beacon Man Large Cap Growth Fund3, 5 – Investor Class Adviser: American Beacon Advisors, Inc. Sub-Adviser: Numeric Investors LLC	1.12%	None	1.12%	15.86%	11.19%	15.61%*
	Capital Appreciation Fund2 Adviser: VALIC Sub-Adviser: Columbia Management Investment Advisers, LLC	0.73%	None	0.73%	14.19%	14.69%	15.33%
	Dividend Value Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC	0.67%	None	0.67%	18.21%	11.55%	10.40%
	Growth Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock	0.61%	None	0.61%	14.57%	11.57%	15.67%
	Large Cap Core Fund2 Adviser: VALIC Sub-Adviser: JPMIM and T. Rowe Price Company	0.66%	None	0.66%	9.81%	10.02%	14.27%
	Nasdaq-100® Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock	0.42%	None	0.42%	20.42%	14.73%	19.06%
	Stock Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock	0.23%	None	0.23%	17.55%	14.08%	14.46%
	Systematic Core Fund2, 5 Adviser: VALIC Sub-Adviser: Goldman Sachs	0.64%	None	0.64%	14.77%	12.45%	13.89%
	Systematic Growth Fund2, 5 Adviser: VALIC Sub-Advisers: Goldman Sachs Asset Management, L.P. and Wellington Management Company LLP	0.64%	None	0.64%	17.66%	10.29%	14.83%
	Systematic Value Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management	0.65%	None	0.65%	17.41%	13.25%	10.31%
	U.S. Socially Responsible Fund2 Adviser: VALIC Sub-Adviser: BlackRock	0.35%	None	0.35%	14.73%	11.77%	12.91%
	Vanguard Windsor II Fund3 – Investor Shares Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC	0.33%	0.25%	0.58%	18.56%	12.89%	12.61%

Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)1	Current Expenses	Platform Charge6	Current Expenses + Platform Charge	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)1	Current Expenses	Platform Charge6	Current Expenses + Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Domestic Mid- Cap Equity	Ariel Appreciation Fund3 – Investor Class Adviser: Ariel Investments, LLC	1.15%	None	1.15%	11.11%	7.57%	7.95%
	Mid Cap Strategic Growth Fund2 Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC	0.74%	None	0.74%	11.34%	7.88%	13.56%
	Mid Cap Value Fund2 Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management	0.83%	None	0.83%	7.23%	10.19%	9.29%
	Mid Cap Index Fund2 Adviser: VALIC Sub-Adviser: BlackRock	0.35%	None	0.35%	6.95%	8.68%	10.34%
Domestic Small- Cap Equity	Ariel Fund3 – Investor Class Adviser: Ariel	1.01%	None	1.01%	14.15%	9.36%	9.51%
	Small Cap Growth Fund2, 5 Adviser: VALIC Sub-Advisers: American Century Investment Management, Inc. and T. Rowe Price Associates, Inc.	0.88%	None	0.88%	9.20%	-2.35%	11.01%
	Small Cap Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock	0.38%	None	0.38%	12.23%	5.69%	9.27%
	Small Cap Core Fund2 Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc.	0.93%	None	0.93%	-3.03%	6.57%	8.39%
	Small Cap Value Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM	0.84%	None	0.84%	12.16%	9.55%	8.54%
Global Equity (International and Domestic)	Global Strategy Fund2, 5 Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC	0.63%	None	0.63%	20.73%	7.18%	5.85%
Global Equity (International and Domestic)	International Socially Responsible Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock	0.55%	None	0.55%	27.32%	7.80%	9.10%
International Equity	Emerging Economies Fund2 Adviser: VALIC Sub-Adviser: BlackRock	1.02%	None	1.02%	30.11%	4.19%	8.04%
	International Equities Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock	0.39%	None	0.39%	30.81%	8.47%	7.82%
	International Growth Fund2, 5 Adviser: VALIC Sub-Advisers: Morgan Stanley Investment Management Co.	0.82%	None	0.82%	16.07%	1.86%	8.33%
	International Opportunities Fund2, 5 Adviser: VALIC Sub-Advisers: Invesco Advisers, Inc. and Wellington Management	1.01%	None	1.01%	27.46%	2.74%	6.76%
	International Value Fund2, 5 Adviser: VALIC Sub-Advisers: Goldman Sachs and Columbia Management Investment Advisers, LLC	0.81%	None	0.81%	39.97%	10.60%	8.10%

Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)1	Current Expenses	Platform Charge6	Current Expenses + Platform Charge	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)1	Current Expenses	Platform Charge6	Current Expenses + Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Specialty	Global Real Estate Fund2 Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co. and MFS	0.90%	None	0.90%	7.70%	1.77%	3.39%
	Invesco Balanced-Risk Commodity Strategy Fund3, 5 – Class R5 Adviser: Invesco Advisers, Inc.	1.05%	None	1.05%	18.94%	9.41%	6.23%
	Science & Technology Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock, Voya	0.91%	None	0.91%	22.57%	11.59%	18.92%
Hybrid (Equity and Fixed Income)	Aggressive Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM	0.54%	None	0.54%	16.94%	8.73%	9.38%
	Asset Allocation Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM	0.65%	None	0.65%	11.50%	8.17%	7.75%
	Conservative Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM	0.59%	None	0.59%	11.79%	4.34%	5.85%
	Dynamic Allocation Fund2, 5 Adviser: VALIC Sub-Advisers: AllianceBernstein L.P.	0.83%	None	0.83%	11.33%	5.60%	7.49%
	Moderate Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM	0.54%	None	0.54%	14.40%	7.01%	8.10%
	T. Rowe Price Retirement 2015 Fund3 – Advisor Class Adviser: T. Rowe Price	0.74%	None	0.74%	11.83%	5.05%	6.89%
	T. Rowe Price Retirement 2020 Fund3 – Advisor Class Adviser: T. Rowe Price	0.76%	None	0.76%	12.23%	5.34%	7.42%
	T. Rowe Price Retirement 2025 Fund3 – Advisor Class Adviser: T. Rowe Price	0.78%	None	0.78%	12.71%	5.76%	8.03%
	T. Rowe Price Retirement 2030 Fund3 – Advisor Class Adviser: T. Rowe Price	0.80%	None	0.80%	14.10%	6.51%	8.77%
	T. Rowe Price Retirement 2035 Fund3 – Advisor Class Adviser: T. Rowe Price	0.83%	None	0.83%	15.84%	7.42%	9.50%
	T. Rowe Price Retirement 2040 Fund3 – Advisor Class Adviser: T. Rowe Price	0.84%	None	0.84%	17.16%	8.17%	10.12%
	T. Rowe Price Retirement 2045 Fund3 – Advisor Class Adviser: T. Rowe Price	0.85%	None	0.85%	18.23%	8.77%	10.55%
	T. Rowe Price Retirement 2050 Fund3 – Advisor Class Adviser: T. Rowe Price	0.87%	None	0.87%	18.53%	8.95%	10.63%
	T. Rowe Price Retirement 2055 Fund3 – Advisor Class Adviser: T. Rowe Price	0.88%	None	0.88%	18.70%	8.97%	10.63%
	T. Rowe Price Retirement 2060 Fund3 – Advisor Class Adviser: T. Rowe Price	0.89%	None	0.89%	18.63%	8.96%	10.62%
	Vanguard LifeStrategy Conservative Growth Fund3, 4 – Investor Shares Adviser: The Vanguard Group, Inc.	0.10%	0.25%	0.35%	12.86%	4.24%	6.12%
	Vanguard LifeStrategy Growth Fund3, 4 – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	19.63%	8.76%	10.03%
	Vanguard LifeStrategy Moderate Growth Fund3, 4 – Investor Shares Adviser: Vanguard	0.10%	0.25%	0.35%	16.24%	6.49%	8.09%
	Vanguard Wellington Fund3 – Investor Shares Adviser: Wellington Management	0.25%	0.25%	0.50%	16.48%	9.28%	10.02%

Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)1	Current Expenses	Platform Charge6	Current Expenses + Platform Charge	Average Annual Total Returns (as of Dec. 31, 2025)
Type/ Investment Objective	Portfolio Company and Adviser/Subadviser(s)1	Current Expenses	Platform Charge6	Current Expenses + Platform Charge	1 Year	5 Year	10 Year (or life of fund)
Fixed Income	Core Bond Fund2 Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM	0.48%	None	0.48%	7.64%	-0.16%	2.36%
	Goldman Sachs VIT Government Money Market Fund5 – Institutional Shares Adviser: Goldman Sachs	0.18%	None	0.18%	4.20%	3.18%	2.11%
	Government Securities Fund2 Adviser: VALIC Sub-Adviser: JPMIM	0.58%	None	0.58%	6.66%	-0.49%	1.41%
	High Yield Bond Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management	0.68%	None	0.68%	9.37%	4.20%	5.92%
	Inflation Protected Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management	0.54%	None	0.54%	6.00%	1.06%	2.86%
	International Government Bond Fund2 Adviser: VALIC Sub-Adviser: PineBridge	0.80%	None	0.80%	9.15%	-2.01%	1.64%
	Vanguard Long-Term Investment-Grade Fund3 – Investor Shares Advisers: Wellington Management and Vanguard	0.21%	None	0.21%	7.18%	-3.74%	2.68%
	Vanguard Long-Term Treasury Fund3 – Investor Shares Adviser: Vanguard	0.20%	None	0.20%	5.54%	-7.30%	-0.04%

* Average Annual Total Returns is since inception of the Portfolio Company.

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

•

Allspring – Allspring Global Investments, LLC

•

Ariel – Ariel Investments, LLC

•

BlackRock – BlackRock Investment Management, LLC

•

Goldman Sachs – Goldman Sachs Asset Management, L.P.

•

Invesco – Invesco Advisers, Inc.

•

JPMIM – J.P. Morgan Investment Management Inc.

•

MFS – Massachusetts Financial Services Company

•

MSIM – Morgan Stanley Investment Management Inc.

•

PineBridge – PineBridge Investments LLC

•

T. Rowe Price – T. Rowe Price Associates, Inc.

•

VALIC – The Variable Annuity Life Insurance Company

•

Vanguard – The Vanguard Group, Inc.

•

Voya – Voya Investment Management Co. LLC

•

Wellington Management – Wellington Management Company LLP

2 A VALIC Company I Fund.

3 A Public Fund. If your Contract is a tax-deferred nonqualified annuity that is not part of your employer’s retirement plan, the Variable Investment Options that are invested in Portfolio Companies available to the public outside of annuity contracts, life insurance contracts, or certain employer-sponsored retirement plans (“Public Funds”) will not be available within your Contract.

4 The Vanguard LifeStrategy Funds’ board of trustees allocates each Fund’s assets among the underlying funds based on the Fund’s investment objective and policies. The board may change these allocations from time to time without shareholder approval. The investment adviser to the underlying funds is Vanguard.

5 This Portfolio Company is subject to an expense reimbursement or fee waiver arrangement resulting in a temporary expense reduction. See the Portfolio Company prospectus for additional information.

6 A Platform Charge may only be increased to the extent that the Base Contract Expense plus the Platform Charge does not exceed 0.65%.

Fixed Account Options

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

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

Name	Term	Minimum Guaranteed Interest Rate
Fixed Account Plus	1-Year	1%
Short-Term Fixed	1-Year	1%
Multi-Year Enhanced Option (MVA)	3-Year, 5-Year, 7-Year, 10-Year	1%
DCA Fixed Account	6-Month, 12-Month	1%

Investment Restrictions For Optional Living Benefits

If you elected an optional Living Benefit, as long as your Living Benefit remains in effect, we require that you allocate your investments in accordance with the investment restrictions applicable to that benefit, as described below. Please see “Appendix B – Living Benefits” for additional information about investment restrictions.

For all optional Living Benefits, investments are not permitted in the following:

Multi-Year Fixed Option – 3 years

Multi-Year Fixed Option – 5 years

Multi-Year Fixed Option – 7 years

Multi-Year Fixed Option – 10 years

IncomeLOCK +6 and IncomeLOCK +8

If you elected IncomeLOCK +6 (Options 1, 2, or 3) on or after February 25, 2013, your Contract is subject to the following investment restrictions while your benefit remains in effect:

•

You must allocate 20% of your Purchase Payments (including ineligible Purchase Payments) to Fixed Account Plus; and

•

The remaining 80% of your Purchase Payments must be allocated among the following investment options:

Core Bond Fund
Dynamic Allocation Fund
Goldman Sachs VIT Government Money Market Fund
Government Securities Fund
Inflation Protected Fund
International Government Bond Fund
Vanguard Long-Term Investment Grade Fund
Vanguard Long-Term Treasury Fund
Short-Term Fixed Account

If you elected IncomeLOCK +6 (Custom Allocation) on or after February 25, 2013, your Contract is subject to the following investment restrictions while your benefit remains in effect:

•

You must allocate 20% of your Purchase Payments (including ineligible Purchase Payments) to Fixed Account Plus; and

•

Your Purchase Payments must also be allocated in accordance with the following table:

Investment Group	Group A: Bond, Cash and Fixed Accounts*	Group B: Equity Maximum	Group C: Limited Equity
Investment Restrictions	30% Minimum 100% Maximum	0% Minimum 70% Maximum	0% Minimum 10% Maximum

Investment Group	Group A: Bond, Cash and Fixed Accounts*	Group B: Equity Maximum	Group C: Limited Equity
Variable Investment Options and/or Fixed Account Options	Fixed Account Plus Short-Term Fixed Account Core Bond Fund Goldman Sachs VIT Government Money Market Fund Government Securities Fund Inflation Protected Fund International Government Bond Fund Vanguard Long-Term Investment Grade Fund Vanguard Long-Term Treasury Fund	Aggressive Allocation Lifestyle Fund American Beacon Man Large Cap Growth Fund Asset Allocation Fund Capital Appreciation Fund Conservative Allocation Lifestyle Fund Dividend Value Fund Dynamic Allocation Fund Global Strategy Fund Growth Fund High Yield Bond Fund International Equities Index Fund International Growth Fund International Socially Responsible Fund International Value Fund Large Capi Core Fund Fund Mid Cap Index Fund Mid Cap Value Fund Moderate Allocation Lifestyle Fund Stock Index Fund Systematic Core Fund Systematic Growth Fund Systematic Value Fund T. Rowe Price Retirement 2015 Fund T. Rowe Price Retirement 2020 Fund T. Rowe Price Retirement 2025 Fund T. Rowe Price Retirement 2030 Fund T. Rowe Price Retirement 2035 Fund T. Rowe Price Retirement 2040 Fund T. Rowe Price Retirement 2045 Fund T. Rowe Price Retirement 2050 Fund T. Rowe Price Retirement 2055 Fund T. Rowe Price Retirement 2060 Fund U.S. Socially Responsible Fund Vanguard LifeStrategy Conservative Growth Fund Vanguard LifeStrategy Growth Fund Vanguard LifeStrategy Moderate Growth Fund Vanguard Wellington Fund Vanguard Windsor II Fund	Ariel Appreciation Fund Ariel Fund Emerging Economies Fund Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Core Fund Small Cap Value Fund

* The required allocation to Fixed Account Plus counts against the 30% of your investments that must be allocated to Group A.

** No more than 90% of each Purchase Payment may be allocated on a combined basis to Fixed Account Plus and Short-Term Fixed Account.

If you elected IncomeLOCK +6 (Options 1, 2, or 3) or IncomeLOCK +8 on December 26, 2012 through February 24, 2013, your Contract is subject to the following investment restrictions while your benefit remains in effect:

•

You must allocate 20% of your Purchase Payments (including ineligible Purchase Payments) to Fixed Account Plus; and

•

The remaining 80% of your Purchase Payments must be allocated among the following investment options:

If you elected IncomeLOCK +6 (Custom Allocation) on December 26, 2012 through February 24, 2013, your Contract is subject to the following investment restrictions while your benefit remains in effect:

•

You must allocate 20% of your Purchase Payments (including ineligible Purchase Payments) to Fixed Account Plus; and

•

Your Purchase Payments must also be allocated in accordance with the following table:

Investment Group	Group A: Bond, Cash and Fixed Accounts*	Group B: Equity Maximum	Group C: Limited Equity
Investment Restrictions	30% Minimum 100% Maximum	0% Minimum 70% Maximum	0% Minimum 10% Maximum
Variable Investment Options and/or Fixed Account Options	Fixed Account Plus Short-Term Fixed Account Core Bond Fund Goldman Sachs VIT Government Money Market Fund Government Securities Fund Inflation Protected Fund International Government Bond Fund Vanguard Long-Term Investment Grade Fund Vanguard Long-Term Treasury Fund	Aggressive Allocation Lifestyle Fund American Beacon Man Large Cap Growth Fund Asset Allocation Fund Capital Appreciation Fund Conservative Allocation Lifestyle Fund Dividend Value Fund Dynamic Allocation Fund Emerging Economies Fund*** Global Strategy Fund Growth Fund High Yield Bond Fund International Equities Index Fund International Growth Fund International Socially Responsible Fund International Value Fund Large Cap Core Fund Mid Cap Index Fund Mid Cap Value Fund Moderate Allocation Lifestyle Fund Stock Index Fund Systematic Core Fund Systematic Growth Fund Systematic Value Fund T. Rowe Price Retirement 2015 Fund T. Rowe Price Retirement 2020 Fund T. Rowe Price Retirement 2025 Fund T. Rowe Price Retirement 2030 Fund T. Rowe Price Retirement 2035 Fund T. Rowe Price Retirement 2040 Fund T. Rowe Price Retirement 2045 Fund T. Rowe Price Retirement 2050 Fund T. Rowe Price Retirement 2055 Fund T. Rowe Price Retirement 2060 Fund U.S. Socially Responsible Fund Vanguard LifeStrategy Conservative Growth Fund Vanguard LifeStrategy Growth Fund Vanguard LifeStrategy Moderate Growth Fund Vanguard Wellington Fund Vanguard Windsor II Fund	Ariel Appreciation Fund Ariel Fund Emerging Economies Fund*** Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Core Fund Small Cap Value Fund

* The required allocation to Fixed Account Plus counts against the 30% of your investments that must be allocated to Group A.

** No more than 90% of each Purchase Payment may be allocated on a combined basis to Fixed Account Plus and Short-Term Fixed Account.
*** For Living Benefits with an Endorsement Date prior to November 1, 2011, the Emerging Economies Fund (formerly Global Equities Fund) is in Group B. For Living Benefits with an Endorsement Date on or after November 1, 2011, the Emerging Economies Fund is in Group C.

If you elected IncomeLOCK +6 or IncomeLOCK +8 prior to December 26, 2012, your Contract is subject to the following investment restrictions while your benefit remains in effect:

•

You must allocate a certain percentage of your Purchase Payments (including ineligible Purchase Payments) to Fixed Account Plus:

○

If you elected your benefit before May 1, 2012, this percentage is 15%.

○

If you elected your benefit after May 1, 2012, this percentage is 20%.

•

Your Purchase Payments must also be allocated in accordance with the following table:

Investment Group	Group A: Bond, Cash and Fixed Accounts*	Group B: Equity Maximum	Group C: Limited Equity
Investment Restrictions	30% Minimum 100% Maximum	0% Minimum 70% Maximum	0% Minimum 10% Maximum

Investment Group	Group A: Bond, Cash and Fixed Accounts*	Group B: Equity Maximum	Group C: Limited Equity
Variable Investment Options and/or Fixed Account Options	Fixed Account Plus Short-Term Fixed Account Core Bond Fund Goldman Sachs VIT Government Money Market Fund Government Securities Fund Inflation Protected Fund International Government Bond Fund Vanguard Long-Term Investment Grade Fund Vanguard Long-Term Treasury Fund	Aggressive Allocation Lifestyle Fund American Beacon Man Large Cap Growth Fund Asset Allocation Fund Capital Appreciation Fund Conservative Allocation Lifestyle Fund Dividend Value Fund Dynamic Allocation Fund Emerging Economies Fund Global Strategy Fund Growth Fund High Yield Bond Fund International Equities Index Fund International Growth Fund International Socially Responsible Fund International Value Fund Large Cap Core Fund Mid Cap Index Fund Mid Cap Value Fund Moderate Allocation Lifestyle Fund Stock Index Fund Systematic Core Fund Systematic Growth Fund Systematic Value Fund T. Rowe Price Retirement 2015 Fund T. Rowe Price Retirement 2020 Fund T. Rowe Price Retirement 2025 Fund T. Rowe Price Retirement 2030 Fund T. Rowe Price Retirement 2035 Fund T. Rowe Price Retirement 2040 Fund T. Rowe Price Retirement 2045 Fund T. Rowe Price Retirement 2050 Fund T. Rowe Price Retirement 2055 Fund T. Rowe Price Retirement 2060 Fund U.S. Socially Responsible Fund Vanguard LifeStrategy Conservative Growth Fund Vanguard LifeStrategy Growth Fund Vanguard LifeStrategy Moderate Growth Fund Vanguard Wellington Fund Vanguard Windsor II Fund	Ariel Appreciation Fund Ariel Fund Emerging Economies Fund** Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Core Fund Small Cap Value Fund

* The required allocation to Fixed Account Plus counts against the 30% of your investments that must be allocated to Group A.

**If you elected your benefit prior to November 1, 2011, the Emerging Economies Fund is in Group B.

IncomeLOCK

If you elected IncomeLOCK on or after July 6, 2010, your Contract is subject to the following investment restrictions while your benefit remains in effect.

Investment Group	Group A: Bond, Cash and Fixed Accounts	Group B: Equity Maximum	Group C: Limited Equity
Investment Restrictions	20% Minimum 100% Maximum	0% Minimum 70% Maximum	0% Minimum 10% Maximum

Investment Group	Group A: Bond, Cash and Fixed Accounts	Group B: Equity Maximum	Group C: Limited Equity
Variable Investment Options and/or Fixed Account Options	Fixed Account Plus Short-Term Fixed Account Core Bond Fund Goldman Sachs VIT Government Money Market Fund Government Securities Fund Inflation Protected Fund International Government Bond Fund Vanguard Long-Term Investment Grade Fund Vanguard Long-Term Treasury Fund	Aggressive Allocation Lifestyle Fund American Beacon Man Large Cap Growth Fund Asset Allocation Fund Capital Appreciation Fund Conservative Allocation Lifestyle Fund Dividend Value Fund Dynamic Allocation Fund Emerging Economies Fund Global Strategy Fund Growth Fund High Yield Bond Fund International Equities Index Fund International Growth Fund International Socially Responsible Fund International Value Fund Large Cap Core Fund Mid Cap Index Fund Mid Cap Value Fund Moderate Allocation Lifestyle Fund Stock Index Fund Systematic Core Fund Systematic Growth Fund Systematic Value Fund T. Rowe Price Retirement 2015 Fund T. Rowe Price Retirement 2020 Fund T. Rowe Price Retirement 2025 Fund T. Rowe Price Retirement 2030 Fund T. Rowe Price Retirement 2035 Fund T. Rowe Price Retirement 2040 Fund T. Rowe Price Retirement 2045 Fund T. Rowe Price Retirement 2050 Fund T. Rowe Price Retirement 2055 Fund T. Rowe Price Retirement 2060 Fund U.S. Socially Responsible Fund Vanguard LifeStrategy Conservative Growth Fund Vanguard LifeStrategy Growth Fund Vanguard LifeStrategy Moderate Growth Fund Vanguard Wellington Fund Vanguard Windsor II Fund	Ariel Appreciation Fund Ariel Fund Emerging Economies Fund* Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Core Fund Small Cap Value Fund

* If you elected your benefit prior to November 1, 2011, the Emerging Economies Fund is in Group B.

If you elected IncomeLOCK prior to July 6, 2010, your Contract is not subject to investment restrictions while your benefit remains in effect.

Appendix B — Index Information

The Contract is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Contract. The Corporations make no representation or warranty, express or implied to the owners of the Contract or any member of the public regarding the advisability of investing in securities generally or in the Contract particularly, or the ability of the Nasdaq 100 to track general stock market performance. The Corporations' only relationship to the Company (“Licensee”) is in the licensing of the Nasdaq® and certain trade names of the Corporations and the use of the Nasdaq 100 which is determined, composed, and calculated by Nasdaq without regard to Licensee or the Contract. Nasdaq has no obligation to take the needs of the Licensee or the owners of the Contract into consideration in determining, composing, or calculating the Nasdaq 100. The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of the Contract to be issued or in the determination or calculation of the equation by which the Contract is to be converted into cash. The Corporations have no liability in connection with the administration, marketing, or trading of the Contract.

THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF NASDAQ 100 OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE CONTRACT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ 100 OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ 100® OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

B-1