Funding Agreement-Backed Note Program
Notice
Forward-Looking Statements
This presentation may contain certain statements that constitute "forward-looking statements". Forward-looking statements are statements not based on historical information
and which relate to future operations, strategies, financial results, or other developments. Statements using verbs such as "expect," "anticipate," "believe" or words of similar
import generally involve forward-looking statements. Forward-looking statements include statements which are based on the beliefs and assumptions of The Guardian Life
Insurance Company of America ("Guardian") concerning future levels of sales and redemptions of Guardian's products, investment spreads and yields, or the earnings and
profitability of Guardian's activities.
Forward-looking statements are necessarily based on estimates and assumptions that are inherently subject to significant business, economic and competitive uncertainties and
contingencies, many of which are beyond Guardian's control and many of which are subject to change. These uncertainties and contingencies could cause actual results to differ
materially from those expressed in any forward-looking statements made by, or on behalf of, Guardian. Whether or not actual results differ materially from forward-looking
statements may depend on numerous foreseeable and unforeseeable developments. Some may be national in scope, such as general economic conditions, changes in tax law and
changes in interest rates. Some may be related to the insurance industry generally, such as pricing competition, regulatory developments and industry consolidation. Others may
relate to Guardian specifically, such as credit, volatility and other risks associated with Guardian's investment portfolio. Any forward-looking statements reflect Guardian's views
and assumptions as of the date of this presentation and Guardian disclaims any obligation to update forward-looking information, whether as a result of new information, future
events, or otherwise.
8 GuardianView entire presentation