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2 Disclaimer This presentation is not, and shall not be construed as, an offer, or a solicitation of an offer, to buy or sell securities in any jurisdiction. This presentation has been prepared by Mutual of Omaha Insurance Company ("Mutual of Omaha") and United of Omaha Life Insurance Company ("United of Omaha"). For purposes of this presentation, "we", "us" or "our" refers to Mutual of Omaha, United of Omaha, or the Mutual Group of Insurance Companies (as defined herein), as the context requires. Nothing in this presentation constitutes the provision of any tax, accounting, financial, investment, regulatory, legal or other advice by Mutual of Omaha, United of Omaha or their advisors. This presentation may not be referenced, quoted or linked by website, in whole or in part, except as agreed to in writing by Mutual of Omaha or United of Omaha. This presentation and any oral statements accompanying this presentation includes confidential, sensitive and proprietary information. By receiving and reviewing this presentation, you agree to treat it as strictly confidential and agree to be bound by the limitations set forth herein. Cautionary Statement Regarding Forward-Looking Statements and Projections. This presentation and any oral statements accompanying this presentation may include certain forward-looking statements and such statements are not to be viewed as facts. Forward-looking statements and projections reflect various estimates and assumptions by Mutual of Omaha and United of Omaha and are subject to risks, trends and uncertainties that could cause actual results and achievements to differ materially from those expressed in such statements or projections. Whether or not any such forward-looking statements or projections are in fact achieved will depend upon future events some of which are not within the control of Mutual of Omaha or United of Omaha. Neither Mutual of Omaha nor United of Omaha undertake an obligation to update any such statements or projections, whether as a result of new information, future events or otherwise. The words "believe," "expect," "anticipate,” “estimate,” “could," "should," "intend," "may," "plan," "seek," "will," "designed," "assume," "implied" and similar expressions generally identify forward-looking statements or projections. Forward-looking statements include, without limitation, the potential future response or responses to the pandemic caused by the spread of COVID-19 or SARS-CoV-2 virus and any mutations, variations or evolutions thereof and any related contagious disease or pandemic, the outcome (by judgment or settlement) and costs of legal, administrative or regulatory proceedings, investigations or inspections, including, without limitation, collective, representative or class action litigation, and the impact of prevailing economic conditions. The statements contained in this presentation are made as of June 30, 2023, unless another time is specified in relation to them, and access to this presentation at any given time shall not give rise to any implication that there has been a change in the facts set forth in this presentation since that date. Certain information set forth in this presentation has been developed internally or obtained from sources believed by Mutual of Omaha or United of Omaha to be reliable; however, neither Mutual of Omaha nor United of Omaha gives any representation or warranty (express or implied) as to the accuracy, adequacy, timeliness or completeness of such information, and assumes no responsibility for independent verification of such information. Past performance is not indicative or a guarantee of future performance. RBC Information: Each of United of Omaha and Mutual of Omaha is required to report risk-based capital ("RBC") data, including its company action level RBC ratio ("RBC Ratio"), to the Nebraska Department of Insurance ("NE DOI") annually. The RBC Ratio is calculated based on a formula which applies factors to various asset, premium and statutory reserve items and accounts for risk characteristics of the insurer.NÉ DOI uses RBC data as a regulatory tool to identify possible inadequately capitalized insurers for purposes of initiating regulatory action and not as a means to rank insurers generally. Nebraska law imposes broad confidentiality restrictions against the use and publication of RBC data by those engaged in the insurance business (including insurers, agents, brokers and others) and by the NE DOI. Inclusion of the RBC Ratio in this presentation is intended solely for informational purposes for investors, prospective investors, banking and other counterparties with respect to institutional products and other commercial transactions and not for the use or disclosure by those engaged in the insurance business. CONFIDENTIAL: The information contained herein is confidential. Do not reproduce without permission of Mutual of Omaha Insurance Company and United of Omaha Life Insurance Company. Mutual Отана CONFIDENTIAL

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