Retirement Gateway^® Association is the marketing name for the Retirement Gateway^® group annuity in the association marketplace.

A group variable annuity is a long-term financial product designed for retirement purposes. In essence, a group variable annuity is a contractual agreement in which payment(s) are made on behalf of retirement plan participants to an insurance company, which agrees to pay out an income or a lump sum amount at a later date to those participants. There are contract limitations and fees and charges associated with group variable annuities, which include, but are not limited to, administrative fees and charges for investment management. Withdrawals from annuities are subject to normal income tax treatment and, if taken prior to age 59½, may be subject to an additional 10% federal income tax penalty. Amounts rolled over from another eligible plan are tracked separately and may be subject to an additional 10% federal tax income penalty if withdrawn. Contact a financial professional for costs and complete details.

Because an annuity contract would be used to fund this qualified employer-sponsored retirement arrangement, you should purchase the annuity contract for its features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit of the annuity. You may also want to consider the relative features, benefits and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement.

This material is not a complete description of all material provisions of the contract. Please read the Retirement Gateway disclosure brochure and trust prospectus before purchasing a contract. Certain types of contracts and features may not be available in all jurisdictions.