1. Multiple Investment Options

• The Star Select group variable annuity provides 19 different investment options to take advantage of changing investment-market conditions, including American Funds, Fidelity, Russell Funds, PIMCO, T. Rowe Price, Alger Management, Janus, Calvert and AUL.

• AUL Fixed Interest Account and OneAmerica Money Market are also available.

2. No Front-End Sales Charge

• There are no sales charges taken from contributions. This means that 100% of all contributions are invested and start working for participants.

3. No Deferred Sales Charge for Benefit Responsive Events at Participant Level

A charge will not be assessed when participants make withdrawals because of:

• Retirement
• Disability
• Death
• Severance from employment
• Unforeseen emergency withdrawals (as defined by the plan document)

4. No Annual or Quarterly Administration Charge

5. NO 10% IRS Penalty for withdrawals prior to age 59 ½

6. Client Friendly Technology & Communication