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E-1
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F-1 |
Contract |
Individual single premium deferred index-linked separate account annuity
contract. |
Purchase Payment |
The minimum Purchase Payment: $25,000. Prior approval required for a
Purchase Payment of less than $25,000 or $1,000,000 or
more. |
Owner and Annuitant Issue Ages |
0-85 |
Contract Periods |
The Contract has two periods: •The Accumulation Period, the period prior to the Annuity Date; and •The Annuity Period, which begins on the Annuity Date and during which
Annuity Payments are provided. |
Account Value |
The total of the Fixed Account Value, the value of the Shield Option(s), and
the Holding Account value under the Contract during the
Accumulation Period. |
Shield Option |
Each Shield Option has an associated Term, Index, Shield Rate and Rate
Crediting Type. |
Term |
The Term may be 1, 2, or 3 years in length. |
Index |
The current Indices are as follows: •S&P 500® Index (Price Return Index); •Russell 2000® Index (Price Return Index); •MSCI EAFE Index (Price Return Index); and •Nasdaq-100 Index® (Price Return Index). |
Shield Rate |
We currently offer different levels of protection:
Shield 10 — A Shield Rate where negative Index Performance of up to 10% of
your Investment Amount is absorbed by us at the Term End Date, which would
leave you to absorb any remaining negative Index Performance of
up to 90% of your Investment Amount.
Shield 15 — A Shield Rate where negative Index Performance of up to 15% of
your Investment Amount is absorbed by us at the Term End Date, which would
leave you to absorb any remaining negative Index Performance of
up to 85% of your Investment Amount. |
Rate Crediting Type |
A Shield Option can only have one associated Rate Crediting Type: either Cap
Rate, Step Rate, or Step Rate Edge. |
Performance Lock |
For any Shield Option, once during each Term you may elect to lock the
Interim Value. Once an Interim Value is locked it is
irrevocable for the remainder of that Term. The Performance
Lock Value will be used as value of the Shield Option for the
remainder of the Term. You can exercise Performance Lock by
providing Notice of election on a particular Business Day to
lock the Interim Value on that day. (See PERFORMANCE
LOCK.”) |
Interim Value |
The Interim Value is designed to represent the fair value of the Shield Option on
each Business Day between the Term Start Date and Term End Date, taking into
account the potential gain or loss of the applicable Index at
the end of the Term. The Interim Value reflects the change in
fair value due to economic factors of the investment
instruments (including derivatives) supporting the Shield
Options.
The Interim Value is the amount that is available for annuitization, death
benefits, withdrawals, Surrenders, and Performance Lock. For
each Shield Option, we assign the value of Interim Value on any
Business Day other than the Term Start Date and Term End
Date. The Interim Value may be less than the Investment Amount
at the time the Interim Value is calculated even when the
current Index Value is higher than it was on the Term Start
Date. See “Interim Value Calculation.” |
Transfers |
During the Accumulation Period you may only make transfers to and from the
Fixed Account and/or to or from a new Shield Option(s). You may
only transfer during the Transfer Period. The effective date of
such transfer is the first day of the Fixed Account Term and/or
the Term(s) in which the transfer is made. If you have exercised
Performance Lock, transfers for that Shield Option are not
restricted to the Transfer Period, and you may transfer on any Contract
Anniversary. You may only elect to transfer the entire amount
of the Performance Lock Value of the Shield Option to a new
Shield Option or to the Fixed Account (if available) on any
Contract Anniversary prior to the Term End Date (i.e., during
the Term). Partial transfers of a Shield Option are not
permitted, except during the Transfer Period. See
“TRANSFERS.” |
Fixed Account |
See Appendix D. |
Access to Your Money |
You may withdraw some or all of your money at any time prior to the Annuity
Date. For any withdrawal taken on a Term End Date, a
Performance Rate Adjustment, as of the date of the withdrawal,
will apply. For any withdrawal taken between the Term Start
Date and the Term End Date, we use an Interim Value
calculation, which will reduce the Investment Amount for that Shield Option by the percentage reduction in the Interim Value of that Shield Option. If
you have exercised Performance Lock, a withdrawal will reduce your
Performance Lock Value by the dollar amount of the withdrawal.
The Performance Rate Adjustment and reduction (either
proportionate or dollar for dollar) may be substantial. In
addition, a withdrawal taken in excess of the Free Withdrawal
Amount may be subject to a Withdrawal Charge. |
Withdrawal Charge |
A percentage charge applied to withdrawals in excess of the Free Withdrawal
Amount.
The Free Withdrawal Amount is 0% in the first Contract Year, and 10% of
Account Value in each subsequent Contract Year to the extent
that amount has not already been withdrawn that Contract
Year. The Withdrawal Charge is calculated at the time of each
withdrawal in accordance with the following:
|
|
|
|
|
|
|
|
Number of
Complete
Contract Years
since Issue Date |
Withdrawal
Charge
percentage |
|
|
|
0 |
6% |
|
|
|
1 |
6% |
|
|
|
2 |
5% |
|
|
|
3 or more |
0% |
|
|
See “WITHDRAWAL PROVISIONS — When No Withdrawal Charge
Applies” for a list of Withdrawal Charge
waivers. |
Systematic Withdrawal Program |
You may elect the Systematic Withdrawal Program to
provide automated processing of amounts withdrawn from
your Contract, subject to program terms. We do not assess a
charge for the program and you may terminate your
participation in the program at any time. Withdrawals
under the Systematic Withdrawal Program are
subject to the same Withdrawal Charge provisions and risks as
any other withdrawals under the Contract. Moreover, since withdrawal amounts from a Shield Option will reduce the Investment Amount for that Shield
Option by the percentage reduction in the Interim Value of that Shield
Option, a withdrawal when Interim Value is less than the
Investment Amount will cause a greater percentage reduction in
the Investment Amount that remains in your Shield Option
relative to the percentage reduction for the same withdrawal
amount when Interim Value is greater than the Investment Amount. If you
exercise Performance Lock on any Shield Option, the Performance
Lock Value for that Shield Option will be reduced by the dollar
amount of any subsequent withdrawals. Since withdrawals
under the Systematic Withdrawal Program are
automatic, you will have no control over the timing of those withdrawals. See
“WITHDRAWAL PROVISIONS – Systematic Withdrawal
Program” for availability and other
restrictions. |
Death Benefit |
For Owners age 81 or older at the Issue Date of the Contract, the standard
death benefit is the Account Value. For Owners age 80 or
younger at the Issue Date of the Contract, the standard death
benefit (known as the Return of Premium death benefit) is the
greater of the Account Value or your Purchase Payment (reduced
proportionally by the percentage reduction in Account Value of
the Shield Option(s), the Fixed Account, and the Holding Account for each partial withdrawal (including any applicable Withdrawal Charge)). The Death
Benefit Amount is determined as of the end of the Business Day on which we
receive Notice of due proof of death and an acceptable election
for the payment method. |
Annuity Options |
You can choose an Annuity Option. After Annuity Payments begin, you cannot
change the Annuity Option. You can choose one of the following
Annuity Options on a fixed payment basis or any other Annuity
Option acceptable to us: (i) Life Annuity with 10 Years of Annuity Payments Guaranteed; and
(ii)Joint and Last Survivor Annuity with 10 Years of Annuity Payments Guaranteed. The Annuity Options may be limited due to the requirements of the Code. |
Charges and Expenses |
You will bear the following charges and expenses: (i)Withdrawal Charges; and (ii)Premium Tax and other taxes. |
Your Right to Cancel |
You may cancel the Contract within a certain time period after receiving it by
mailing or delivering the Contract to either us or the financial
representative who sold it. This is known as a “Free
Look.” Unless otherwise required by state law, we will
return either your Purchase Payment or Account Value, depending
on your state, and we will not deduct a Withdrawal Charge.
|
SHIELD OPTIONS | |
TERM |
INDEX |
SHIELD 15 (up to 15% downside protection) | |
1 Year |
S&P 500® Index S&P 500® Index Step Rate
S&P 500® Index Step Rate Edge
Russell 2000® Index
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index MSCI EAFE Index Step Rate MSCI
EAFE Index Step Rate Edge Nasdaq-100 Index® Nasdaq-100 Index® Step Rate Nasdaq-100 Index® Step Rate Edge |
SHIELD OPTIONS | |
TERM |
INDEX |
2 Year |
S&P 500® Index Step Rate
S&P 500® Index Step Rate Edge
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index Step Rate MSCI EAFE Index Step Rate Edge
Nasdaq-100 Index® Step Rate
Nasdaq-100 Index® Step Rate Edge |
3 Year |
S&P 500® Index
Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
SHIELD 10 (up to 10% downside protection) | |
1 Year |
S&P 500® Index
S&P 500® Index Step Rate
S&P 500® Index Step Rate Edge
Russell 2000® Index
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index MSCI EAFE Index Step Rate MSCI
EAFE Index Step Rate Edge Nasdaq-100 Index® Nasdaq-100 Index® Step Rate Nasdaq-100 Index® Step Rate Edge |
2 Year |
S&P 500® Index Step Rate
S&P 500® Index Step Rate Edge
Russell 2000® Index Step Rate
Russell 2000® Index Step Rate Edge
MSCI EAFE Index Step Rate MSCI EAFE Index Step Rate Edge
Nasdaq-100 Index® Step Rate
Nasdaq-100 Index® Step Rate Edge |
3 Year |
S&P 500® Index Russell 2000® Index
MSCI EAFE Index Nasdaq-100 Index® |
Shield Rate |
Downside Protection |
Shield 10 |
up to 10% |
Shield 15 |
up to 15% |
Shield Option type: |
If Index Performance is: |
Performance Rate will equal: |
Shield Options with a Cap Rate |
less than or equal to zero |
the lesser of: zero or the Index Performance increased by the Shield Rate (For example: a -15% Index Performance with Shield 10 will result in a -5% Performance Rate. The Performance Rate can never be greater than zero if the Index Performance is negative.) |
|
greater than zero and less than the
Cap Rate |
the Index Performance |
|
greater than zero and equals or
exceeds the Cap Rate |
the Cap Rate |
Shield Options with a Step Rate |
less than zero |
the lesser of: zero or the Index Performance increased by the Shield Rate (For example: a -15% Index Performance with Shield 10 will result in a -5% Performance Rate. The Performance Rate can never be greater than zero if the Index Performance is negative.) |
|
equal to or greater than zero |
the Step Rate |
Shield Options with Step Rate Edge |
less than zero and exceeds the Shield
Rate |
Index Performance increased by the Shield Rate (For example: a -15% Index Performance with Shield 10 will result in a -5% Performance Rate.) |
|
less than zero but does not exceed
the Shield Rate |
the Edge Rate |
|
zero or positive |
the Edge Rate |
Contract Year |
1 |
2 |
3 |
4 |
5 |
Term Start Date | |||||
Investment Amount(1) |
$50,000 |
$55,000 |
$57,750 |
$57,750 |
$57,750 |
Index Value |
1,000 |
1,200 |
1,260 |
1,260 |
1,197 |
Term End Date | |||||
Index Value |
1,200 |
1,260 |
1,260 |
1,197 |
1,017 |
Index Performance(2) |
20% |
5% |
0% |
-5% |
-15% |
Cap Rate |
10% |
10% |
10% |
10% |
10% |
Shield Rate |
10% |
10% |
10% |
10% |
10% |
Performance Rate (one year)(3) |
10% |
5% |
0% |
0% |
-5% |
Performance Rate Adjustment(4) |
$5,000 |
$2,750 |
$0 |
$0 |
-$2,888 |
Investment Amount(5) |
$55,000 |
$57,750 |
$57,750 |
$57,750 |
$54,862 |
Contract Year |
1 |
2 |
3 |
4 |
5 |
Term Start Date | |||||
Investment Amount(1) |
$50,000 |
$54,000 |
$58,320 |
$62,986 |
$62,986 |
Index Value |
1,000 |
1,050 |
1,260 |
1,260 |
1,134 |
Term End Date | |||||
Index Value |
1,050 |
1,260 |
1,260 |
1,134 |
964 |
Index Performance(2) |
5% |
20% |
0% |
-10% |
-15% |
Step Rate |
8% |
8% |
8% |
8% |
8% |
Shield Rate |
10% |
10% |
10% |
10% |
10% |
Performance Rate (one year)(3) |
8% |
8% |
8% |
0% |
-5% |
Performance Rate Adjustment(4) |
$4,000 |
$4,320 |
$4,666 |
$0 |
-$3,149 |
Investment Amount(5) |
$54,000 |
$58,320 |
$62,986 |
$62,986 |
$59,837 |
Contract Year |
1 |
2 |
3 |
4 |
5 |
Term Start Date | |||||
Investment Amount(1) |
$50,000 |
$53,500 |
$57,245 |
$61,252 |
$65,540 |
Index Value |
1,000 |
1,050 |
1,260 |
1,260 |
1,134 |
Term End Date | |||||
Index Value |
1,050 |
1,260 |
1,260 |
1,134 |
964 |
Index Performance(2) |
5% |
20% |
0% |
-10% |
-15% |
Edge Rate |
7% |
7% |
7% |
7% |
7% |
Shield Rate |
10% |
10% |
10% |
10% |
10% |
Performance Rate (one year)(3) |
7% |
7% |
7% |
7% |
-5% |
Performance Rate Adjustment(4) |
$3,500 |
$3,745 |
$4,007 |
$4,288 |
-$3,277 |
Investment Amount(5) |
$53,500 |
$57,245 |
$61,252 |
$65,540 |
$62,263 |
|
Step Rate Edge |
Step Rate |
Cap Rate |
Cap Rate |
Term (in months) |
12 |
24 |
36 |
12 |
Months elapsed since Term Start Date |
0 |
0 |
0 |
0 |
Investment Amount |
$50,000 |
$50,000 |
$50,000 |
$50,000 |
Shield Rate |
10% |
15% |
10% |
15% |
Shield Option Rate |
8.25% |
18% |
130% |
10% |
Months until Term End Date |
12 |
24 |
36 |
12 |
Market Value Rate on Term Start Date |
2.00% |
4.00% |
6.00% |
2.00% |
Starting Index Value |
1,000 | |||
Total Account Value |
$200,000 |
|
Step Rate Edge |
Step Rate |
Cap Rate |
Cap Rate |
Months elapsed since Term Start Date |
6 | |||
Months until Term End Date |
6 |
18 |
30 |
6 |
Index Value |
1200 | |||
Index Performance on calculation date(1) |
20% | |||
Market Value Rate on calculation date |
3.00% |
5.00% |
7.00% |
3.00% |
Market value of the Fixed Income Asset Proxy |
$48,823.16 |
$46,519.03 |
$42,116.56 |
$48,966.38 |
Market value of the Derivative Asset Proxy |
$3,848.51 |
$6,526.00 |
$16,069.42 |
$4,086.86 |
Interim Value of each Shield Option(2) |
$52,671.67 |
$53,045.03 |
$58,185.98 |
$53,053.23 |
Total Account Value |
$216,955.91 |
|
Step Rate Edge |
Step Rate |
Cap Rate |
Cap Rate |
Months elapsed since Term Start Date |
6 | |||
Months until Term End Date |
6 |
18 |
30 |
6 |
Index Value |
700 | |||
Index Performance on calculation date(1) |
-30% | |||
Market Value Rate on calculation date |
3.00% |
5.00% |
7.00% |
3.00% |
Market value of the Fixed Income Asset Proxy |
$48,823.16 |
$46,519.03 |
$42,116.56 |
$48,966.38 |
Market value of the Derivative Asset Proxy |
-$8,899.83 |
-$5,554.28 |
-$5,794.44 |
-$6,783.28 |
Interim Value of each Shield Option(2) |
$39,923.32 |
$40,964.75 |
$36,322.12 |
$42,183.10 |
Total Account Value |
$159,393.29 |
Number of
Complete Contract Years since Issue Date |
Withdrawal Charge
percentage |
0 |
6% |
1 |
6% |
2 |
5% |
3 or more |
0% |
Term Start Date | |
Investment Amount |
$50,000 |
Shield Rate |
Shield 10 |
Cap Rate |
10% |
Index Value |
500 |
Interim Value Calculation Halfway Through Term
| |
Index Value |
600 |
Index Performance(1) |
20% |
Time Remaining in Shield Option (in months) |
6 |
Market Value Rate on calculation date |
3% |
Market value of Fixed Income Asset Proxy |
$49,452.40 |
Market value of Derivative Asset Proxy |
$4,062.37 |
Interim Value of Shield Option(2) |
$53,514.77 |
Withdrawal Amount taken |
$20,000 |
Investment Amount at Term Start Date adjusted for any withdrawals(3) |
$31,313.57 |
Net Proceeds from withdrawal paid to Contract Owner(4) |
$20,000 |
Term End Date | |
Index Value |
560 |
Index Performance(5) |
12% |
Performance Rate(6) |
10% |
Performance Rate Adjustment(7) |
$3,131.36 |
Investment Amount(8) |
$34,444.93 |
Term Start Date | |
Investment Amount |
$50,000 |
Shield Rate |
Shield 10 |
Cap Rate |
10% |
Index Value |
500 |
Interim Value Calculation Halfway Through Term
| |
Index Value |
400 |
Index Performance(1) |
–20% |
Time Remaining in Shield Option (in months) |
6 |
Market Value Rate on calculation date |
3% |
Market value of Fixed Income Asset Proxy |
$49,452.40 |
Market value of Derivative Asset Proxy |
-$4,661.31 |
Interim Value of Shield Option(2) |
$44,791.09 |
Withdrawal Amount taken |
$20,000 |
Investment Amount adjusted for any withdrawals(3) |
$27,674.13 |
Free Withdrawal Amount(4) |
$5,000 |
Withdrawal Charge Amount(5) |
$900 |
Net Proceeds from Withdrawal paid to Contract Owner(6) |
$19,100 |
Term End Date | |
Index Value |
450 |
Index Performance(7) |
–10% |
Performance Rate(8) |
0% |
Performance Rate Adjustment(9) |
$0 |
Investment Amount(10) |
$27,674.13 |
Contract Year |
1 |
Term Start Date | |
Investment Amount |
$50,000 |
Index Value |
1,000 |
Term End Date | |
Index Value |
1,200 |
Index Performance(1) |
20% |
Cap Rate |
10% |
Shield Rate |
Shield 10 |
Performance Rate (one year)(2) |
10% |
Performance Rate Adjustment(3) |
$5,000 |
Investment Amount(4) |
$55,000 |
Contract Year |
2 | |
|
1-Year Term / Shield 10 / S&P 500® Index with a Cap Rate of 10% |
1-Year Term / Shield 10 / Russell
2000® Index with a Cap Rate of 12% |
Investment Amount at Term Start Date
(second term)(1) |
$27,500 |
$27,500 |
Term Start Date | |
Investment Amount |
$100,000 |
Shield Rate |
Shield 10 |
Cap Rate |
10% |
Index Value |
1,000 |
Interim Value Calculation Halfway Through Term
| |
Index Value |
1,200 |
Index Performance(1) |
20% |
Time Remaining in Shield Option (in months) |
6 |
Market Value Rate on calculation date |
3% |
Market value of Fixed Income Asset Proxy |
$98,904.80 |
Market value of Derivative Asset Proxy |
$8,124.74 |
Interim Value of Shield Option(2) |
$107,029.53 |
Performance Lock Value(3) |
$107,029.53 |
Term Start Date | |
Investment Amount |
$100,000 |
Shield Rate |
Shield 10 |
Cap Rate |
10% |
Index Value |
1,000 |
Interim Value Calculation Halfway Through Term
| |
Index Value |
1,200 |
Index Performance(1) |
20% |
Time Remaining in Shield Option (in months) |
6 |
Market Value Rate on calculation date |
3% |
Market value of Fixed Income Asset Proxy |
$98,904.80 |
Market value of Derivative Asset Proxy |
$8,124.74 |
Time Remaining in Shield Option (in months) |
6 |
Interim Value of Shield Option on day you exercise Performance Lock(2) |
$107,029.53 |
Gross Withdrawal Amount |
$50,000 |
Free Withdrawal Amount(3) |
$10,000 |
Withdrawal Charge Amount(4) |
$2,800 |
Net Proceeds from Withdrawal paid to Contract Owner(5) |
$47,200 |
Performance Lock Value after Withdrawal(6) |
$57,029.53 |
If you… |
Your “Applicable Age”
is… |
Were born on or before June 30, 1949 |
70½ |
Were born on or after July 1, 1949 (and attain age 72 prior to
January 1, 2023) |
72 |
Attain age 72 on or after January 1, 2023 (and attain age 73 on or
before December 31, 2032) |
73* |
Attain age 74 on or after January 1, 2033 |
75* |
Plan Type |
Elective Contribution |
Catch-up Contribution |
IRA |
$7,000 |
$1,000 |
SIMPLE IRA |
$16,000 |
$3,500 |
401(k) |
$23,000 |
$7,500 |
SEP/401(a) |
(Employer contributions only) |
|
403(b) [TSA] |
$23,000 |
$7,500 |
457(b) |
$23,000 |
$7,500 |
Applications when purchasing the Contract, including
initial Purchase Payment |
P.O. Box 4365
Clinton, IA 52733-4365 Fax: (877) 245-2964 Or through your financial representative |
Death Claims |
P.O. Box 4330
Clinton, IA 52733-4330 Fax: (877) 245-8163 |
Annuity Payments |
|
•Requests to receive regular Annuity Payments |
P.O. Box 4365 Clinton, IA 52733-4365
Telephone: (800) 882-1292 Fax: (877) 246-8424 |
•Death Claims for Contracts receiving Annuity Payments |
P.O. Box 4364
Clinton, IA 52733-4364 Telephone: (800) 882-1292
Fax: (877) 245-8163 |
•General requests and elections for Contracts receiving Annuity Payments |
P.O. Box 4363
Clinton, IA 52733-4363 Telephone: (800) 882-1292
Fax: (877) 246-8424 |
All other requests and elections and general inquiries (except requests for a transaction or other notification related to the Performance Lock must be submitted in writing, by telephone or by fax) |
P.O. Box 4301 Clinton, IA 52733-4301
Telephone: (888) 243-1932
Fax: (877) 246-8424 |
Investment Amount at Term Start Date |
$100,000 |
Term |
1-Year |
Initial Index |
S&P 500® Index |
Index Value on Term Start Date for S&P 500® Index |
1,400 |
Cap Rate |
10% |
Shield Rate |
10% |
Index substitution |
|
Number of days since Term Start Date |
183 |
Index Value for S&P 500® Index |
1,330 |
Index Performance for S&P 500® Index(1) |
–5% |
Substituted Index |
Russell 2000® Index |
Index Value for Russell 2000® Index on substitution
date |
1,250 |
Index Value for Russell 2000® Index |
1,375 |
Index Performance for S&P 500® Index(1) |
–5% |
Index Performance for Russell 2000® Index(2) |
10% |
Total Index Performance for the Term(3) |
4.5% |
Cap Rate |
10% |
Shield Rate |
10% |
Performance Rate(4) |
4.5% |
Performance Rate Adjustment(5) |
$4,500 |
Investment Amount at Term End Date(6) |
$104,500 |
|
|
Date |
Amount |
A |
Purchase Payment |
Issue Date |
$100,000 |
B |
Account Value |
First Contract Anniversary |
$90,000 |
C |
Death Benefit |
First Contract Anniversary |
$100,000
(= greater of A and B) |
D |
Withdrawal |
One Day after the First Contract Anniversary |
$9,000 |
E |
Percentage Reduction in Account
Value |
One Day after the First Contract Anniversary |
10% (= D/B) |
F |
Account Value after Withdrawal |
One Day after the First Contract Anniversary |
$81,000 (= B-D) |
G |
Purchase Payment Reduced for
Withdrawal |
One Day after the First Contract Anniversary |
$90,000
(= A-(A × E)) |
H |
Death Benefit |
One Day after the First Contract Anniversary |
$90,000 (=
greater of F and G) |
/s/ Eric Steigerwalt* Eric Steigerwalt |
Chairman of the Board, President, Chief Executive Officer and a Director |
/s/ Myles Lambert* Myles Lambert |
Director and Vice President |
/s/ David A. Rosenbaum* David A. Rosenbaum |
Director and Vice President |
/s/ Jonathan Rosenthal* Jonathan Rosenthal |
Director, Vice President and Chief Investment Officer |
/s/ Edward A. Spehar* Edward A. Spehar |
Director, Vice President and Chief Financial Officer |
/s/ Kristine Toscano* Kristine Toscano |
Vice President and Chief Accounting Officer |
/s/ Gianna H. Figaro-Sterling* Gianna H. Figaro-Sterling |
Vice President and Controller |
*By: /s/ Michele H. Abate Michele H. Abate, Attorney-In-Fact
May 6, 2024 |
|