1. All guarantees are backed by the claims-paying ability of the issuer.

2. Individual independent rating agency commentary as of 11/17/23: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+). A.M. Best (Financial Strength): A. Best’s Financial Strength Rating is an opinion of an insurer’s ability to meet its obligations to policyholders.