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| A current policy prospectus is not published for this policy.
Gemstone Life® policies are underwritten by The United States Life Insurance Company in the City of New York and distributed by American General Equity Services Corporation, member FINRA, www.finra.org.
As of December 31, 2010, American International Life Assurance Company of New York (“AI Life”) merged into The United States Life Insurance Company in the City of New York (“USL”). Effective January 3, 2011, all registered AI Life variable annuity contracts and variable universal life insurance policies were re-registered with the U.S. Securities and Exchange Commission as USL products.
The links below to the policy prospectus, fund prospectuses, semi-annual reports, annual reports, or performance information, as applicable, utilize Adobe Acrobat PDF files. You will need the free Adobe Acrobat Reader to properly access these files.
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| Fund Name | Fund Prospectus | Semi-Annual Report | Annual Report | |
| Information about certain investment options below may be contained in a combined prospectus, semi-annual or annual report booklet for the applicable fund family. By clicking on the appropriate "Prospectus," "Semi-Annual Report" or "Annual Report" button, you can view the applicable combined prospectus or report booklet. |
| AllianceBernstein Global Thematic Growth Portfolio |  
| | AllianceBernstein Large Cap Growth Portfolio |  
| | AllianceBernstein Real Estate Investment Portfolio |    |
| American Century® VP Capital Appreciation Fund |    | | American Century® VP Income & Growth Fund |    | | Anchor Capital Appreciation Portfolio - Class 1 |    | | Anchor Growth Portfolio - Class 1 |    | | Anchor Natural Resources Portfolio - Class 1 |    |
| Dreyfus Stock Index Fund, Inc. |    |
| Fidelity VIP Asset ManagerSM Portfolio - Initial Class |    | | Fidelity VIP Contrafund® Portfolio - Initial Class |    | | Fidelity VIP Growth Portfolio - Initial Class |    | | Fidelity VIP High Income Portfolio - Initial Class |    | | Fidelity VIP Investment Grade Bond Portfolio - Initial Class |    | | Fidelity VIP Money Market Portfolio - Initial Class |    |
| Invesco Van Kampen V.I. American Franchise Fund - Series I |    | | Invesco V.I. International Growth Fund - Series I |    | | JPMorgan Core Bond Portfolio - Class 1 Shares |    | | JPMorgan U.S. Equity Portfolio - Class 1 Shares |    |
| Neuberger Berman AMT Large Cap Value Portfolio |    | | Neuberger Berman AMT Short Duration Bond Portfolio |    |
| Oppenheimer Global Securities Fund/VA - Non-Service Shares |    | | Oppenheimer Main Street Fund/VA - Non-Service Shares |    |
| SunAmerica Aggressive Growth Portfolio - Class 1 |    | | SunAmerica Alliance Growth Portfolio - Class 1 |    | | SunAmerica Balanced Portfolio - Class 1 |    | | SunAmerica Global Bond Portfolio - Class 1 |    | | SunAmerica Growth-Income Portfolio - Class 1 |    | | SunAmerica Marsico Focused Growth Portfolio - Class 1 |    | | SunAmerica Mid-Cap Growth Portfolio - Class 1 |    |
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