Glossary

A B C D E F GH I J K L M N O P Q R S T U V W X Y Z

Account balance — The dollar value of your account.

Accumulation units — Ownership shares in a separate investment account during the accumulation period of a variable deferred annuity.

Additions — Transactions which cause an increase in your account, including, but not limited to, contributions and loan repayments.

Adjustments — Transactions such as account transfers, refunds and reinstatements.

Allocated — Invested, as directed, into your account.

Cash value — The portion of your account balance available to provide lump-sum cash repayments under the contract.

Deductions — Transactions which cause a reduction in your account, including, but not limited to, withdrawals, expense charges and loan disbursements.

Eligibility provisions — The provisions in a plan outlining the necessary requirements an employee must meet to become a participant in the plan.

Forfeiture reallocations — The nonvested portions of terminated participants' accounts that are reallocated to the accounts of the remaining eligible plan participants.

Gains/Losses — Additions to, and subtractions from, your account balance that reflect the interest credited to your funds invested in the interest funds and the amounts of increase and decrease in the value of your funds invested in the unit trust funds.

Interest funds — Accounts that are part of AUL's general asset account in which all or a portion of your account balance may be held for accumulation at fixed rates of interest paid by AUL.

Payroll deduction date — The payroll date that coincides with each contribution to your account.

Surrender charge — A charge applied at the time of a withdrawal from the contract for deferred unamoritized expenses attributable to that contract.

Transaction date — The date on which a transaction occurs.

Unit trust funds — Separate accounts of AUL whose assets and liabilities are maintained separately from those of AUL's general asset account, in which all or a portion of your account balance may be held for accumulation through the purchase of units in such funds.

Vesting — The acquisition of a nonforfeitable right by an employee to receive all or part of his or her benefit in a plan if he or she terminates employment prior to the normal retirement age. Vesting is subject to plan provisions and assumes that all plan participation requirements are met.

Weighted average interest rate — The average interest rate earned by the fixed fund(s) as it relates to the account value, determined by weighting the current rate of each bucket with its account value.