GOLDMAN SACHS AGING OF AMERICA DYNAMIC BALANCE INDEX, CREATED BY GOLDMAN SACHS & CO. LLC

As Baby Boomers age, seniors make up an increasingly large portion of Americans, resulting in a long-term increased demand for products and services geared towards managing seniors’ health and lifestyle.

Created by Goldman Sachs & Co. LLC, the Index, dynamically allocates to equities, as represented by the Aging of America Index and U.S. fixed income, as represented by 10-Year U.S. Treasury Rolling Futures Index. The Aging of America index seeks to provide targeted exposure to companies in the healthcare and real estate sectors that may benefit from the growth in the older population in the United States. Such segments can include Cancer Care, Cardiovascular Care,

Orthopedic Care, Diabetes Care, Medicare Insurers, and Assisted Living. Exposure to 10- Year U.S. Treasury Rolling Futures Index, a known fixed income benchmark, is based on a daily observed momentum signal.

The Goldman Sachs index includes a volatility control feature seeking to generate more stable, smooth returns over time.

Index Composition

The Goldman Sachs Aging of America Dynamic Balance Index is comprised of:

* An allocation above 100% represents leveraged exposure to the Index.

Volatility Control Index

The index is a rules-based methodology that seeks to provide dynamic exposure to the equity and fixed income components. Risk is monitored daily, and re-balancing generally results in higher weighting

in components with lower historical volatility and less weight to those with higher historical volatility. The index has a 5% volatility cap and to the extent the volatility cap is exceeded, the money market allocation is increased. The index is calculated on an excess return basis. Retirement Plus Multiplier^® offers three index accounts based on the Goldman Sachs Aging of America Dynamic Balance Index:

When you allocate your annuity’s funds to any of the above accounts, the index’s positive performance will generate index credits or interest that will add to the value of your annuity. Your annuity is not directly invested in the Index or its underlying components.

in components with lower historical volatility and less weight to those with higher historical volatility. The index has a 5% volatility cap and to the extent the volatility cap is exceeded, the money market allocation is increased. The index is calculated on an excess return basis. Retirement Plus MultiplierSM offers three index accounts based on the Goldman Sachs Aging of America Dynamic Balance Index:

Additional Materials: For more information on the Goldman Sachs Aging of America Dynamic Balance Index, visit Solactive

This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the suitability of annuities for your financial situation generally, or fixed index annuities, or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Aging of America Dynamic Balance Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the Goldman Sachs Aging of America Dynamic Balance Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS AGING OF AMERICA DYNAMIC BALANCE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

The Goldman Sachs Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index.

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