RE: Partners Portfolio ("Portfolio"); a series of Neuberger Berman Advisers
Management Trust

Dear Contractowner:

Enclosed you will find a Notice of Special Meeting of Shareholders, Proxy
Statement and Proxy Instructions.

The Board of Trustees of the Neuberger Berman Advisers Management Trust is
soliciting proxies to be voted at a Special Meeting of Shareholders of the
Portfolio.

You are the owner of a Variety Plus Contract issued by American General Life
Insurance Company. You have the right to instruct American General Life
Insurance Company on how to vote your proportional interest in shares of the
Portfolio held by American General Life's Special Account D.

American General Life Insurance Company, on behalf of Separate Account D, will
vote at the Shareholders' Meeting described in the Proxy Statement. You have an
opportunity to provide instructions as to how your interests are to be voted.
You are encouraged to examine the Proxy Statement and cast your vote by
returning the Proxy Instruction card.

If you have any questions please contact us at 1-800-247-6584.
Annuity Administration
American General Life Insurance Company

NEUBERGER BERMAN ADVISERS MANAGEMENT TRUST
PARTNERS PORTFOLIO
SEPARATE ACCOUNT D

The undersigned hereby instructs American General Life Insurance Company
Separate Account D ("Separate Account") to vote shares of the Partners Portfolio
(the "Portfolio") attributable to the Contract for which the undersigned is
entitled to give instructions at the Special Meeting of Shareholders (the
"Meeting") to be held on October 31, 2000 at 10:30 a.m., Eastern Time at the
offices of the Portfolio, 605 Third Avenue, 41st Floor, New York, NY 10158-3698,
and to any and all adjournments thereof. The undersigned hereby acknowledges
receipt of the Notice and Proxy Statement for the Meeting to be held on October
31, 2000.

The Separate Account will vote shares attributable to your Contract as indicated
below, or if no direction is provided when the duly executed proxy instruction
card is returned, the Separate Account will vote shares attributable to your
Contract "FOR" the nominees for trustee and the proposals described below. With
respect to those shares for which no proxy instructions have been received by
the Separate Account on or before October 31, 2000, the Separate Account will
cast shares in the affirmative, the negative, or in abstention, in the same
proportion as those shares for which instruction cards have been received.

By signing and dating below you instruct the Separate Account to vote shares of
the above referenced Portfolio attributable to your Contract at the Meeting and
all adjournments thereof. The Separate Account shall vote as indicated above and
in its own discretion, upon such other business as may properly come before the
Meeting.

NOTE: Please sign exactly as your name appears on the proxy.

-----------------------------------------------------------
Signature(s) Title(s) if applicable

DATE:
----------------------------

TO BE SURE YOU ARE REPRESENTED, PLEASE SIGN,
DATE, AND RETURN PROMPTLY IN THE ENVELOPE PROVIDED.

THIS PROPOSAL IS SOLICITED ON BEHALF OF THE BOARD OF TRUSTEES OF THE NEUBERGER
BERMAN ADVISERS MANAGEMENT TRUST.

PLEASE VOTE BY FILLING IN THE APPROPRIATE BOX BELOW

1. TO ELECT THE NOMINEES SPECIFIED BELOW AS TRUSTEES: FOR ALL WITHHOLD
(01) JOHN CANNON (02) FAITH COLISH NOMINEES LISTED AUTHORITY TO VOTE
(03) WALTER G. EHLERS (04) C. ANNE HARVEY EXCEPT AS MARKED FOR ALL NOMINEES
(05) BARRY HIRSCH (06) MICHAEL M. KASSEN TO THE CONTRARY
(07) ROBERT A. KAVESH (08) HOWARD A. MILEAF AT LEFT
(09) EDWARD I. O'BRIEN (10) JOHN T. PATTERSON, JR.
(11) JOHN P. ROSENTHAL (12) WILLIAM E. RULON / / / / / /
(13) CORNELIUS T. RYAN (14) TOM DECKER SEIP
(15) GUSTAVE H. SHUBERT (16) CANDACE L. STRAIGHT
(17) PETER E. SUNDMAN (18) PETER P. TRAPP
(INSTRUCTION: TO WITHHOLD AUTHORITY TO VOTE FOR ANY
INDIVIDUAL NOMINEE(S), WRITE THE NUMBER(S) OF THE
NOMINEE(S) ON THE LINE BELOW.)

----------------------------------------------------

FOR AGAINST ABSTAIN

2. To approve a change in the fundamental investment / / / / / /
limitation concerning diversification.

3. To ratify the selection of Ernst & Young LLP as the / / / / / /
independent auditors.

RE: Balanced Portfolio ("Portfolio"); a series of Neuberger Berman Advisers
Management Trust

Dear Contractowner:

Enclosed you will find a Notice of Special Meeting of Shareholders, Proxy
Statement and Proxy Instructions.

The Board of Trustees of the Neuberger Berman Advisers Management Trust is
soliciting proxies to be voted at a Special Meeting of Shareholders of the
Portfolio.

If you have any questions please contact us at 1-800-247-6584.
Annuity Administration
American General Life Insurance Company

NEUBERGER BERMAN ADVISERS MANAGEMENT TRUST
BALANCED PORTFOLIO
SEPARATE ACCOUNT D

The undersigned hereby instructs American General Life Insurance Company
Separate Account D ("Separate Account") to vote shares of the Balanced Portfolio
(the "Portfolio") attributable to the Contract for which the undersigned is
entitled to give instructions at the Special Meeting of Shareholders (the
"Meeting") to be held on October 31, 2000 at 10:30 a.m., Eastern Time at the
offices of the Portfolio, 605 Third Avenue, 41st Floor, New York, NY 10158-3698,
and to any and all adjournments thereof. The undersigned hereby acknowledges
receipt of the Notice and Proxy Statement for the Meeting to be held on October
31, 2000.

NOTE: Please sign exactly as your name appears on the proxy.

-----------------------------------------------------------
Signature(s) Title(s) if applicable

DATE:
------------------------------

TO BE SURE YOU ARE REPRESENTED, PLEASE SIGN,
DATE, AND RETURN PROMPTLY IN THE ENVELOPE PROVIDED.

THIS PROPOSAL IS SOLICITED ON BEHALF OF THE BOARD OF TRUSTEES OF THE NEUBERGER
BERMAN ADVISERS MANAGEMENT TRUST.

PLEASE VOTE BY FILLING IN THE APPROPRIATE BOX BELOW

----------------------------------------------------

FOR AGAINST ABSTAIN

2. To approve a change in the fundamental investment / / / / / /
limitation concerning diversification.

3. To ratify the selection of Ernst & Young LLP as the / / / / / /
independent auditors.

INTERNET PROXY VOTING SERVICE
PROXY VOTING FORM
NEUBERGER BERMAN FUNDS
ATM BALANCED PORTFOLIO

NEUBERGER BERMAN

THE TRUSTEES RECOMMEND A VOTE "FOR" EACH OF THE FOLLOWING PROPOSALS.

When using a 'For all except' response, enter the number(s) of the nominee(s)
you wish to withhold on, separated by a comma, in the text field.

PROPOSAL 1. TO ELECT THE NOMINEES SPECIFIED BELOW AS TRUSTEES:
(01) JOHN CANNON (02) FAITH COLISH [ ] FOR ALL [ ] WITHHOLD
(03) WALTER G. EHLERS (04) C. ANNE HARVEY AUTHORITY [ ] FOR ALL EXCEPT
(05) BARRY HIRSCH (06) MICHAEL M. KASSEN
(07) ROBERT A. KAVESH (08) HOWARD A. MILEAF ------------------------------
(09) EDWARD I. O'BRIEN (10) JOHN T. PATTERSON, JR. ------------------------------
(11) JOHN P. ROSENTHAL (12) WILLIAM E. RULON
(13) CORNELIUS T. RYAN (14) TOM DECKER SEIP
(15) GUSTAVE H. SHUBERT (16) CANDACE L. STRAIGHT
(17) PETER E. SUNDMAN (18) PETER P. TRAPP

- ------------------------------------------------------------------------------------------------------------------------
PROPOSAL 2. TO APPROVE A CHANGE IN THE FUNDAMENTAL INVESTMENT [ ] FOR [ ] AGAINST [ ] ABSTAIN
LIMITATION CONCERNING DIVERSIFICATION.
- ------------------------------------------------------------------------------------------------------------------------
PROPOSAL 3. TO APPROVE THE SELECTION OF ERNST & YOUNG LLP AS THE [ ] FOR [ ] AGAINST [ ] ABSTAIN
INDEPENDENT AUDITORS.
- ------------------------------------------------------------------------------------------------------------------------
PROPOSAL 4. NOT APPLICABLE. YOUR FUND IS NOT SEEKING A VOTE FOR THIS [X] NOT APPLICABLE
PROPOSAL.
- ------------------------------------------------------------------------------------------------------------------------
PROPOSAL 5. NOT APPLICABLE. YOUR FUND IS NOT SEEKING A VOTE FOR THIS [X] NOT APPLICABLE
PROPOSAL.
- ------------------------------------------------------------------------------------------------------------------------
PROPOSAL 6. NOT APPLICABLE. YOUR FUND IS NOT SEEKING A VOTE FOR THIS [X] NOT APPLICABLE
PROPOSAL.
- ------------------------------------------------------------------------------------------------------------------------
PROPOSAL 7A. NOT APPLICABLE. YOUR FUND IS NOT SEEKING A VOTE FOR THIS [X] NOT APPLICABLE
PROPOSAL.
- ------------------------------------------------------------------------------------------------------------------------
PROPOSAL 7B. NOT APPLICABLE. YOUR FUND IS NOT SEEKING A VOTE FOR THIS [X] NOT APPLICABLE
PROPOSAL.
- ------------------------------------------------------------------------------------------------------------------------
PROPOSAL 7C. NOT APPLICABLE. YOUR FUND IS NOT SEEKING A VOTE FOR THIS [X] NOT APPLICABLE
PROPOSAL.
- ------------------------------------------------------------------------------------------------------------------------
PROPOSAL 7D. NOT APPLICABLE. YOUR FUND IS NOT SEEKING A VOTE FOR THIS [X] NOT APPLICABLE
PROPOSAL.
- ------------------------------------------------------------------------------------------------------------------------

Please refer to the proxy statement for discussion of each of these matters.

UNLESS INDICATED TO THE CONTRARY, THIS PROXY SHALL BE DEEMED TO GRANT AUTHORITY
TO VOTE "FOR" ALL LISTED NOMINEES FOR TRUSTEE AND ALL LISTED PROPOSALS SET FORTH
IN THIS PROXY STATEMENT RELATING TO THE FUND AND DISCRETIONARY POWER TO VOTE
UPON SUCH OTHER BUSINESS AS MAY PROPERLY COME BEFORE THE MEETING.
- --------------------------------------------------------------------------------

To receive email confirmation, enter your email address here: _______________

Press this button to [Submit] your Proxy Vote.
YOUR VOTE IS IMPORTANT
NO MATTER HOW MANY SHARES YOU OWN.
PLEASE REVIEW YOUR SELECTIONS CAREFULLY BEFORE VOTING.
IF YOU VOTE MORE THAN ONCE ON THE SAME PROXY, ONLY YOUR LAST (MOST RECENT) VOTE
WILL BE CONSIDERED VALID.

KIRKPATRICK & LOCKHART LLP 1800 Massachusetts Avenue, NW
Second Floor
Washington, DC 20036-1800
202.778.9000
WWW.KL.COM