Funding Agreement-Backed Note Program

Guardian Business Profile Products Individual Life • Whole Life • Term Life • Universal Life • Variable Universal Life • Small Business Owners • Affluent Professionals Target Markets • Executives Individual Markets Individual Disability • Individual Disability • Multi-Life Disability Income Savings Products • Fixed Annuities • Variables Annuities • Wealth Management • Small Business Owners • Affluent Professionals • Executives • Professionals • Executives Affluent and Emerging Affluent Individuals Group Benefits Group Insurance ⚫ Dental . Short- and Long-Term Disability • Life and AD&D • Vision • Supplemental Health • Absence Management Employer Groups • 46 General Agencies and Guardian-managed agencies • Career Agents • Brokers • Career Agents • Brokers Distribution • PAS • ~2,400 Career Agents • Brokers 8 Guardian 2021 Consolidated premium income (a) Total: $10,085 million 7% <1% Individual Life Individual Annuity ■Group 44% Individual Disability Other 1% 47% • Over 150 Group Sales Professionals • ~12,700 Active Group Brokers and Benefit Consultants 2021 Consolidated statutory reserves (b) Total: $56,981 million 7% 1% 4% 6% 0 82% Individual Life Individual Annuity ■Group Individual Disability Other (a) Premium income is net of reinsurance. The total consolidates financial information from statutory financial statements of Guardian (parent company), BLICOA and GIAC (subsidiaries), and GAAP financial statements of FCW and GIS (subsidiaries) (b) Reflects general account reserves only (excludes separate account reserves) 10

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