Guardian Market PerformTM New business rates effective March 25th, 2024 S&PSOO• MSCIEAfE Nasdaq- lOQo SG Smart Oimate Strategy Terms Protection Strategy CapRate Upside• Rate CapRate Upside• Rate CapRate Upside• Rate CapRate Upside• Rate -10“4 Buff..- 1).75%—17.00“4—16.00%—Uncapped 11004 1 year- -200/, Buffer 10.00’4—11.75%—10.75’4—15.00’/. -10“4 Buff..- 60.00’/.—N/A N/A Uncapped 160“4 ly~r -20“4 Buff..- 40.00’4—N/A N/A Uncapped 13004 -10“4 Buff..- Uncapped 115% N/A N/A Uncapped 180“4 6y~r -20“4 Buff..- 100.00%—N/A N/A Uncapped 155’4 -3004 Buffer 70.00’4—NIA N/A Uncapped 1)5•4 New business rates effectiveApril 1st, 2024 S&P SOO• MSCIEAFE Nasdaq- 100” SG Smart Climate Strategy Terms Prote<tion Strale<jy Cap Rate Upside• Rate Cap Rate Upside• Rate CapRate Upside• Rate CapRate Upside• Rate -tOO/, Buffer 13.75•4—17.00’4—16.00’4—Uncapped tto-.4 I year -20“4 Buff..- 10.00’4—tt.75•4—10.75’4—15.00’4—-100/, Buffer 60.00’4—NIA NIA Uncapped 160“4 lycar -20% Buffcr 40.00’4—NIA N/A Uncapped 130’4 -t OO/, Buffer Uncapped 115’4 NIA N/A Uncapped 180’4 6ycar -20“4 Buffer 100.00’/.—N/A NIA Uncapped 155’4 -30’4 Buffer 70.00’4—NIA N/A Uncapped 135•4 New business rates effective April 16th, 2.024 s&P soo- MSCIEAFE Nasdaq-too- SG SmartCOmate Stn1tegy Terms ProtectionStrategy CapRate Upside• Rate CapRate Upside• Rate CapRate Upside• Rat e CapRate Upside+ Rate -10’4 Buffer 13.75%—17.00“4—16.00’4—Uncapped 110’4 ! year -2004 Buffer 10.00’4—11.75•.4—10.75%—15.00’4 --10“4Buffer 60.00’4—N/A N/A Uncapped 160“4 ly~r -2004 Buffer 40.00’4—NIA NIA Uncapped 13004 -10’4Buffer Uncapped 115’4 N/A N/A Uncapped 180“4 6y~r -2004 Buffer 100.00’/,—N/A NIA Uncapped 155’4 -30’4 Buffer 70.00’4—N/A N/A Uncapped 135’4 New business rates effective May 1st. 2024 S&P SOO• MSCI EAFE Nasdaq-100” SG Smart Climate Strategy Terms Prote<tlon Strategy CapRate Upside• Rate CapRate Upside • Rate CapRate Upside• Rotc CapRate Upside• Rate -10“4 Buffer 13.75•4—17.00“4—16.00“4 Uncapped 11004 ! year -20’/, Buffer 10.00“4—11.75•4—10.75•4—15.00“4 --10“4 BuffC< 60.00”!.—N/A N/A Uncapped 160”.4 lyear -200/, Buffer 40.00”!.—NIA N/A Uncapped 1300.4 -100/,BuffC< Uncapped 115’4 N/A N/A Uncapped 180’.4 6ycar -20’/, Buffer 100.00’.4—N/A NIA Uncapped 170’4 -300/, Buffer 70.00”!.—N/A N/A Uncapped 1500.4 

New business rates effective May 16th, 2024 S&P S()()o MSCIEAFE Nasdaq-too- SGSmartCilmate Strategy Terms Protectlon Strat~>gy CapRate Upsick!• Rate CapRate Upsick!• Rate CapRate Upside• Rate CapRate Upside• Rate -1001. Buffer 1J.75•!. . 17.0001.—16.0001. . Uncapped 11001. 1 y~ar -200/. Buffer 10.0001.—11.75•!.—10.75•!.—15.0001. —1001. Buffer 60.0001.—NIA N/A Uncapped 160+1. 3ycar -2001. Buffer 40.0001.—NIA N/A Uncapped 13001. -1001. Buffer Uncapped us•;. NIA NIA Uncapped 180’1. 6ycar -200!. Buffer 100.000/o—N/A N/A Uncapped 11001. -3001. Buffer 70.000!.—NIA NIA Uncapped 1SOO!. New business rates effective June 1st, 2024 S&PSOD- MSCIEAFE Nasdaq-too- SG SmartClimate StrategyTerms P,-otection Strategy CapRate Ups.ide• Rate CapRate Upside+ Rate CapRate Upside+ Rate CapRate Upside• Rat e —100/. Buff.,.- 13.7S’!.—17.00’!.—16.0001.—Uncapped 115•!. !year —2001. Buffer 10.0001.—ll.7S•!.—10.7S•t.—15.0001. --100/.Buffcr 60.0001.—N/A N/A Uncapped 165’1. 3ycar -200!. Buffer 40.00%—N/A N/A Uncapped 135•!. -100/.Buffcr Uncapped ttS•!. N/A N/A Uncapped 185’1. 6 ycar -2001. Buffer 100.0001.—N/A N/A Uncapped 11S’!. -3001. Buffer 70.00’1.—NIA N/A Uncapped ISS•!. New business rates effective June 16th, 2024 S&PSoo- MSCIEAFE Nasdaq-l()()o SGSmartCRmate Strategy Terms Protect.ion Strategy CapRate Upsick!• Rate CapRate Upsick!• Rate CapRate Upsidc• Rate CapRate Upside• Rate -100/.Buffcr 1J.75•!.—17.00’1.—16.0001.—Uncapped us•;. 1yea< -2001. Buffer 10.0001.—11.75’1.—10.75•!.—15.000/. --100/.S,offcr 60.000/o—N/A N/A Uncapped 16S•t. 3ycar -ZO”!.Buffcr 40.0001.—N/A N/A Uncapped US% -1001. Buffer Uncapped 115’1. N/A N/A Uncapped 185’1. 6year -2001. Buffer 100.00’/.—NIA N/A Uncapped 175•!. -3001. Buffer 70.0001.—N/A N/A Uncapped 155’1. New business rates effective July 1st, 2024 S&PS()()o MSCIEAFE Nasdaq-l()()o SG SmartClimate Strategy Terms ProtectionStrategy CapRatc Upside• Rate CapRate Upsick!• Rate CapRate Ups;ck! • Rat e Cap Rate Upside• Rate -1001.Buffcr 12.SOO/.—1S.OOO!.—13.500!.—Uncappcd us•;. 1 year -200!. Buffer 9.SOO!.—10.000!.—9.2S%—1S.OOO!. —1001. Buffer 40.00’1.—N/A N/A Uncapped 165’1. 3year -200/o Buffer 32.00’1.—N/A N/A Uncapped 13S% -tO”!. Buffer Uncapped 110“1. NIA N/A Uncapped 185’1. 6ycar -ZO”!. Buffer 100.00%—NIA N/A Uncapped 115’!. -30”!. Buffer 65.00’1.—N/A N/A Uncapped 155% 2

New business rates effectiveJuly 16th, 2024 S&PSOOO MSCIEAFE Nasdaq- 1000 SG Smart Clmate StrategyTerms Protection Strategy CapRate Upside• Rate CapRate Upside• Rate CapRate Upside+ Rate CapRate Upside• Rate -1001. Buffcr 12.500/o—15.0001.—13.500/o—Uncappcd 115’.4 1ycar . . . ·20’ .4 Buffer 9.50”.4 10.00’1. 9.25•.4—15.00”.4 -1001.Buffcr 40.00’/o—N/A N/A Uncappcd 165% 3ycar -200!.Buff« 32.00’1.—N/A N/A Uncapped ns•t. -1001. Buffcr Uncapped 1100/o N/A N/A Uncapped 18S•.r. 6ycar -20” .4 Buffer 100.00“1.—N/A N/A Umappcd 115’1. -300!.Buff.,.. 65.00’/o—N/A N/A Uncapp<!d 1SS•t. New business rates effective August 1st. 2024 S&PSOOo MSCIEAFE Nasdaq-100. SG SmartClimate St.rategy Terms Protection Strategy CapRatc Upsidc• Ratc CapRate Upside• Rate CapRate Upside• Rate CapRate Upside• Rate -10’1. Buffcr 12.SOO/,—15.00%—n.soo.r.—Uncapp<!d 115% 1y”“r -200!.Buff.,.. 9.500!.—10.00’/.—9.25’1.—15.00’/o --100/o Buff.,.- 40.00’1.—N/A N/A Uncappcd 165•!. Jyear -200/o Buff.,.- 32.00’/.—N/ A N/A Uncapped 135•.4 -1001. Buffer Uncapped 11001. N/A N/A Uncapped 185% 6year -200/o Buff.,.. 100.00’1.—N/A N/A Uncappcd 175% -3001. Buff.,.. 65.00’1.—N/A N/A Unc~~pped ISS% New business rates effective August 16th, 2024 S&PSOO. MSCIEAFE Nasdaq- 100.. SGSmartCfimate Str&t”!JyT~s Protection Strategy CapRate Upside• Rate CapRate Upside+ Rate CapRate Upside+ Rate CapRate Upside• Rate -100/o Buffer 12.500/.—15.000 .4—13.5001.—Uncapped u5•.r. 1 Y”“r -200 1. Buffer 9.5001.—10.0001.—9.25•/o—15.00’1. --100/,Buffer 40.00’/o—N/A N/A Uncapped 165•!. 3year -200!.Buffer 32.00’/.—N/A N/A Uncapped us•.r. -100/, Buffcr Uncapped 1100/o N/A N/A Uncapped 185% 6ycar -2001. Buffer 100.00’!.—N/A N/A Uncapped 115’/o -300/.Buffcr 65.00’1.—N/A N/A Uncapped lSS•t. —..—..—. .—·—..—. New business rates effective September 1st, 2024 S&P 500. MSCIEAFE Nasdaq- 100. SG Smart Climate StrategyTerms Protection Strategy CapRate Upsidc• Ratc CapRatc Upside• Rate CapRate Upsidc• Rate CapRate Upside• Rate -1001. Buffer 12.25%—14.500/o—13.25•!.—Uncapped 11001. 1 Y”“r -200/,Buff.,.. 9.25%—9.500.4—9.00’1.—10.00’!. --lO%Buffcr 40.00’/o—N/A NIA Uncllfli>Cd 16001. Jycar -200!.Buff.,.. 30.00’!.—N/A N/A Uncappecl 13001. -100 1. Buffcr Uncapped 105•.4 N/A N/A Uncappecl 18001. 6ycar -2001. Buffcr 100.00’1.—N/A N/A Uncappecl 17001. · 300/o Buff.,.. 60.00’!.—N/A N/A Uncappecl 1500 .4 3

New business rates effective September 16th, 2024 S&PSOO. MSCIEAFE Nasdaq-100. SG SmartCDmate StrategyTerms Protection Strategy CapRate Upside• Rate Cap Rate Upside• Rate CapRate Upside• Rate CapRate Upside• Rate -10“4 Buffer 12.25’.4—14.50“4—1).25’.4—Uncapped 110” .4 1 year -20”.4 Buffer 9.25’4—9.5<0”.4—9.00“4—10.00“4 --10“4 Buffer 40.00“4—NIA NIA Uncapped 160“4 3ycar -20”.4 Buffer 30.00“4—N/A N/A Uncapped 130”.4 -10”/, Buff“r Uncapped 105’.4 N/A N/A Uncapped 180” .4 6year -20”.4 Buffer 100.00”/.—NIA N/A Uncapped 170“4 -30”.4 Buffer 60.00”.4—N/A N/A Uncapped 150“4 —..—..—.—... . -·—. . -. New business rates effective October 1st, 2024 S&PSOOo MSCIEAFE Nasdaq-100. SG Smart CUmate Stnrtegy Terms Protection Strate9i)’ CapRate Upside• Rate CapRate Upside• Rate- CapRate Upside • Rate CapRate Upside+ Rate -10“4 Buffer 12.25’4—14.SO”/o—13.25’.4—Uncappc!d 110“4 1 year -20“4 Buffer 9.25%—9.5()“4—9.00”.4—10.00“4 --10”/o Buffer 40.00“4—N/A N/A Uncappcd 160“4 3year -20”/o Buffer 30.00“4—N/A NIA Unc:oppc!d 130“4 -10”/,Buffer Uncapped 105’4 N/A N/A Uncappc!d 180“4 6year -20“4 Buffer 100.00“4—NIA NIA Uncappc!d 170“4 -30“1. Buffer 60.00”.4—NIA N/A Uncapped 150”.4 New business rates effective October 16th, 2024 S&PSOO. MSCIEAFE Nasdaq-100. SG SmartCD mate Strategy Terrns Protection Strategy CapRate Upside• Rate CapRate Upside• Rate CapRate Upside• Rate CapRate Upside• Rate -10”.4Buffer 12.25’.4—14.50’4—13.25•.4—Uncapped 110“4 tycar -20’4 Buffer 9.25’4—9.50’.4—9.00“4—10.00”.4 --10’ .4 Buffer 40.00“1.—N/A N/A Uncapped 160“4 Jycar -20’4 Buffer 30.00”.4—N/A N/A Uncapped 130’4 -10’.4Buffer Uncapped 105•4 N/A N/A Uncapped 180’1. 6ycar -20’4 Buffer 100.00“4—N/A N/A Uncapped 170’4 -30’4 Buffer 60.00“4—N/A NIA Uncapped 150’1. New business rates effective November 1st, 2024 S&P 500. MSCIEAFE Nasdaq-100· SG Smart Climate StrategyTerms Protection Strate!!Ą CapRate Upside• Rate CapRate Upside+ Rate CapRate> Upside+ Rate CapRate Upside + Rate -10’4 Buffer 12.25’4—14.50’4—13.25•4—Uncappc!d 110’4 1 year -20’4 Buffer 9.25•4—9.50’/o—9.00“4—10.00“4 --10’ .4Buffer 40.00“4—N/A N/A Uncappc!d 160”.4 3year -20’4 Buffer 30.00“1.—N/A N/A Uncappc!d 130’4 —10’4 Buffer Uncappcd 105’4 NIA N/A Uncappc!d 180“4 6ycar -20’4 Buffer 100.00“4—N/A N/A Uncappc!d 170’4 -30’ .4 Buffer 60.00”.4—N/A N/A Uncapped 150’.4 4

New business rates effective November 16th, 2024 S&PSOOo MSOEAFE Nasdaq-100. SG Smart Climate Strategy Terms Protection Strategy CapRatc Upside+ Rate CapRate Upside• Rate CapRatc Upside• Ratc CapRate Upside+ Rate -10”/o Buffer 12.2!W.—14.50“1.—13.25%—Uncapped 110”/o 1ycar -20%Buffcr 9.25’.4—9.50”/o—9.00%—10.00”/. --10”/o Buffer 40.00”/.—N/A N/A Uncapped 160% lyear -20”/o Buffer lO.OO“Io—N/A N/A Uncapped 130”/, -10”/o Buffer Uncapped 105•.4 N/A N/A Uncapped 180”/o 6year -20%Buffcr 125.00”/o—N/A N/A Uncapped 110“1. -l0%Buffer 60.00”/o—N/A N/A Uncapped 150% —.. -.—.—.. . -·—. . -·-· New business rates effective December 1st, 2024 S&PSOOo MSCIEAFE Nasdaq-100. SG Smart CD mate Strategy Terms Protection Strategy CapRate Upside• Rate CapRate Upside• Rate CapRate Upside+ Rate CapRate Upside• Rate -10”.4 Buffer 12.25%—14.SO“Io—13.25%—Uncapped 110”/o 1 yoar—20”/o Buffer 9.25%—9.50”/o—9.00”/o—10.00”.4 --10%Buffcr 40.00”/o—N/A N/A Uncapped 160”/o Jyear -20”.4 Buffer 30.00”/o—N/A N/A Uncapped 130”/o -1 0”/o Buffer Uncapped 105% N/A N/A Uncapped 180”/o 6year—20”/o Buffer 125.00”/o—N/A N/A Uncapped 170”/o -30”/o Buffer 60.00”/o—N/A N/A Uncapped 150”/o New business rat es effective December 16th, 2024 S&PSOO. MSCIEAFE Nasdaq-100. SG Smart Climate Strategy Term. s Protection Strategy CapRate Upside• Ratc CapRatc Upside• Rate CapRate Upside• Rate CapRatc Upsidc• Rate -10”/o Buffcr B.50”/,—19.00”/o—17.00”/o—Uncapped 110”.4 1yoar -20”.4 Buffcr 10.00”/o—11.25%—11.75%—10.00”.4 --10”/o Buffcr 50.00”.4—N/A N/A Uncapped 160”.4 Jycar -20”.4 Buffcr 35.00”.4—N/A N/A Uncapped BO“Io -10%Buffcr Uncapped 105% N/A N/A Uncapped 180”/o 6ycar -20%Buffcr 125.00“1.—N/A N/A Uncapped 170”/o -30”.4 Buffcr 60.00”.4—N/A N/A Uncapped 150”.4 — .. -..—. ——.. ...—. . -. 5