Index Disclosures

S&P 500® Index

The “S&P 500® ” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and S&P Global and has been licensed for use by Aspida Life Insurance Company (Aspida). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); S&P Global Trademarks are trademarks of the S&P Global and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Aspida. Aspida’s Product(s) are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or S&P Global and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.

Janus SG Lighthouse Index

The Janus SG Lighthouse Index (the “Index”) is the exclusive property of SG Americas Securities, LLC (together with its affiliates, “SG”). SG has contracted with Solactive AG (“Solactive”) to maintain and calculate the Index. “SG Americas Securities, LLC”, “SGAS”, “Société Générale”, “SG”, “Société Générale Indices”, “SGI”, and “Janus SG Lighthouse Index” (collectively, the “SG Marks”) are trademarks or service marks of SG or have been licensed for use by SG from Janus Henderson Indices LLC and its affiliates (“Janus Henderson”). SG has licensed use of the Index and the SG Marks to Aspida (“Aspida”) and sub-licensed the use of certain Janus Henderson marks (the “Janus Henderson Marks”) for use in a fixed indexed annuity offered by Aspida (the “Fixed Indexed Annuity”). SG’s sole contractual relationship with Aspida is to license the Index and the SG Marks and sub-license the Janus Henderson Marks to Aspida.

None of SG, Solactive, Janus Henderson or other third party licensor (collectively, the “Index Parties”) to SG is acting, or has been authorized to act, as an agent of Aspida or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Fixed Indexed Annuity or provided investment advice to Aspida, and no Index Party makes any representation whatsoever as to the advisability of purchasing, selling or holding any product linked to the Index, including the Fixed Indexed Annuity. No Index Party shall have any liability with respect to the Fixed Indexed Annuity in which an interest crediting option is based on the Index, and is not liable for any loss relating to the Fixed Indexed Annuity, whether arising directly or indirectly from the use of the Index, its methodology, any SG Mark, Janus Henderson Mark or otherwise. Obligations to make payments under the Fixed Indexed Annuities are solely the obligation of Aspida. The selection of the Index as a crediting option under a Fixed Indexed Annuity does not obligate Aspida or SG to invest annuity payments in the components of the Index.

In calculating the performance of the Index, SG deducts a maintenance fee of 0.50% per annum on changes in the level of the Index, and fixed transaction and replication costs, each calculated and deducted on a daily basis. The transaction and replication costs cover, among other things, rebalancing and replication costs. The total amount of transaction and replication costs is not predictable and will depend on a number of factors, including the leverage of the Index, which may be as high as 150%, the performance of the indices underlying the Index, and the performance of the individual stocks and futures contracts included in such underlying indices, among other factors. These fees and costs, which are increased by the Index’s leverage, will reduce the potential positive changes in the Index and increase the potential negative changes in the Index. While the volatility control applied by SG may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls.

Invesco Peak Index

Invesco Peak Index (the “Index”) is a product of Invesco Indexing LLC. Aspida (the “Company”) has licensed the Index for use in connection with the Contract (the “Aspida Contract”). The Aspida Contract is a product of the Company and are not sponsored, endorsed, sold or promoted by Invesco Ltd., Invesco Indexing LLC, or their respective affiliates and third-party suppliers and licensors (collectively, “Invesco”). Invesco makes no representation or warranty of any kind, express or implied, as to the suitability or appropriateness of any transaction that results in the purchase, exchange or replacement of a Aspida Contract or as to the operation or performance of a Aspida Contract. The Index and all portions thereof are provided “as is” and “as available.” Neither the Index nor the Aspida Contracts are investment securities. Invesco does not provide investment advice to the Company in connection with the Aspida Contracts and does not advise others as to the value of any annuity or the suitability of any annuity transaction.

Attributions and Disclaimers with Respect to Credit Suisse

Invesco Indexing has contracted with Credit Suisse Group AG, Credit Suisse International, or one of their affiliates (collectively, “Credit Suisse”) to license the use of the Credit Suisse 10-Year US Treasury Note Futures Index and the Credit Suisse 2-Year US Treasury Note Futures Index (collectively, the “CS Indices”) in connection with the Invesco Peak Index.  The Invesco Peak Index and Aspida Annuity Products are not in any way sponsored, endorsed or promoted by Credit Suisse.  Credit Suisse has no obligation to make any consideration in composing, determining or calculating the CS Indices (or causing the CS Indices to be calculated).  In addition, Credit Suisse makes no warranty or representation whatsoever, express or implied, as to the results to be obtained from the use of the CS Indices and/or the level at which the CS Indices stands at any particular time on any particular day or otherwise.  Credit Suisse shall not be liable, whether in negligence or otherwise, for any errors or omissions in the CS Indices or in the calculation of the CS Indices or under any obligation to advise any person of any errors or omissions therein.  Credit Suisse shall not be liable for the results obtained by using, investing in, or trading the Aspida Products.

Franklin Factors US Index

The Franklin Factors US Index (the “Index”) is owned by Franklin Templeton (“Franklin”), is calculated and maintained by S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices, LLC) and is licensed for use by Aspida Life Insurance Company. The Index is not sponsored by S&P Dow Jones Indices, their affiliates or their third party licensors (collectively, “S&P Dow Jones Indices”). Franklin and S&P Dow Jones Indices (collectively, “Index Parties”) will not be liable for any errors, omissions or interruptions in calculating the Index. The Index Parties make no representations or warranties, express or implied and shall have no liability with respect to the adequacy, accuracy, timeliness and/or completeness of the Index. Aspida Life Insurance Company’s products based on the Index are not sponsored, endorsed, sold or promoted by the Index Parties and the Index Parties have no responsibilities, obligations or duties to purchasers of such products. Franklin Templeton® , Franklin® , Franklin Factors US Index, and the corresponding logos are trademarks of Franklin. S&P® is a registered trademark of Standard & Poor’s Financial Services LLC, and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC.