Funding Agreement-Backed Note Program

5 Continued Investment in Business Continued investments to grow investment strategies and increase distribution productivity and capacity HPS Partnership Group Benefits ■ On February 7, 2022, Guardian acquired a minority equity stake in HPS Investment Partners, a leading global investment firm; the strategic partnership will enable close collaboration and allow the two companies to share best practices and investment insights ■ Guardian will provide HPS capital to invest and manage across a range of private-credit strategies ■ Investing resources across the group benefits value chain to expand this business which is capital-light and generates a non-interest rate sensitive revenue stream ■ Strategy to outgrow peers by enhancing customer experience, expanding distribution reach and effectiveness, strengthening product offerings, and modernizing end-to-end enabling capabilities through digitization and modernization Distribution Client Service ■ Investing significant resources in expanding and strengthening our distribution, including expansion into the worksite market, and facilitating the succession of general agencies ■ Continue to expand our digital direct-to-consumer strategy in order to complement our traditional General Agency system and expand our customer reach ■ ■ Management team remains committed to distributional excellence to generate profitable growth for the company Specific customer segments targeted via appropriate channels. Leveraging technology to deliver products and services more efficiently ■ Remain committed to providing superior service that has been recognized by renowned organizations such as J.D. Power and DALBAR Technology Initiatives ■ Fully implement artificial intelligence, machine learning and robotic process automation across businesses Big data and analytics Guardian 27

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