Funding Agreement-Backed Note Program

Guardian Life Funding-Agreement Backed Global Note Issuance Program Issuer ■ Guardian Life Global Funding (Ticker: "GUARDN") Program Terms ■ $5 billion FA-backed GMTN program (144/ Reg S) Funding Agreement issuer ■ The Guardian Life Insurance Company of America ("Guardian") FA Backed Notes Rating 8 Guardian ☐ Moody's: Aa2 | S&P: AA+ Listing ■ Euronext Dublin 3

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