Key Guaranteed Portfolio Fund

Key Guaranteed Portfolio Fund

Empower Annuity Insurance Company of America ((EAIC))

Type of fund

The Key Guaranteed Portfolio Fund (KGPF) is a general account product of Empower Annuity Insurance Company of America (EAIC). Because the KGPF is a general account product offered through the group annuity contract, principal and interest for participant-initiated benefit payments are fully guaranteed by the entire general account assets of EAIC.

Underlying product facts

Inception date: 8/23/2006 Asset class: Stable value/Insurance company general account Guarantor: EAIC Investment Manager: Empower Capital Management, LLC

Investment strategy

The investment strategy employed for this product seeks to achieve consistent returns to support a competitive crediting rate. Bonds invested in the general account segment have an average maturity between three and seven years; are investment-grade in quality; and are diversified across a range of fixed-income asset classes such as asset-backed securities, mortgage-backed securities, commercial mortgage-backed securities, commercial mortgages, private equity, etc.

Interest-crediting method

The KGPF credits interest daily to the group contract holder on a portfolio basis. The crediting interest rate may change or stay the same each quarter. The quarterly crediting rate applies to all money deposited in the group contract holder's KGPF account regardless of when it was deposited.

Participant transfer restrictions

A participant may transfer their account balance in the KGPF to any other investment option offered under the plan at any time, with no restrictions or penalties because the KGPF is designed to be a plan's only capital preservation option.

In order to provide participant investments with liquidity (100% for participant-initiated transfers), there cannot be any actively competing investment options (i.e., other guaranteed products, stable value funds, short-term bond funds, money market funds) in the plan. Bond funds of durations longer than three years are not considered competing. If a competing fund is offered without EAIC's approval, all participant transfers shall be suspended (after participants, alternate payees and beneficiaries are notified) until the competing fund is removed.

Based on EAIC's excessive trading policy, participant transfers may be restricted for up to 30 days in the event of excessive participant trading. KGPF transactions are processed as soon as practicable after resolution of closed or disrupted financial exchanges or markets.

Plan sponsor provisions and termination of the group annuity contract

Upon termination of the group annuity contract, the plan sponsor may choose the following options associated with KGPF depending on the provisions in the applicable KGPF rider:

? Receive the payout of the fund in a lump sum with a market value adjustment

? Receive the payout of the fund in a lump sum at book value***

? Mutually agree in writing to any other payout option allowable under applicable law

*** If this option is selected, EAIC may defer payment to a date no longer than 12 months in the future.

FOR PLAN SPONSOR OR FINANCIAL PROFESSIONAL USE ONLY

Key Guaranteed Portfolio Fund

Key Guaranteed Portfolio Fund Crediting Rate History

Qtr July-06 August-06 September-06 October-06 November-06 December-06 January-07 February-07 March-07 April-07 May-07 June-07 July-07 August-07 September-07 October-07 November-07 December-07 January-08 February-08 March-08 April-08 May-08 June-08 July-08 August-08 September-08 October-08 November-08 December-08 January-09 February-09 March-09 April-09 May-09 June-09 July-09 August-09 September-09 October-09 November-09 December-09 January-10 February-10 March-10 April-10 May-10 June-10 July-10 August-10 September-10 October-10 November-10 December-10

Annualized Net Rate 1

3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.45% 3.45% 3.45% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.35% 3.35% 3.35% 3.15% 3.15% 3.15% 3.15% 3.15% 3.15% 3.00% 3.00% 3.00% 2.65% 2.65% 2.65% 2.50% 2.50% 2.50% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40%

Monthly Net Rate 0.30% 0.30% 0.29% 0.30% 0.29% 0.30% 0.29% 0.26% 0.29% 0.29% 0.30% 0.29% 0.30% 0.30% 0.29% 0.30% 0.29% 0.30% 0.30% 0.28% 0.30% 0.29% 0.30% 0.29% 0.30% 0.30% 0.29% 0.30% 0.29% 0.30% 0.28% 0.25% 0.28% 0.26% 0.26% 0.26% 0.26% 0.26% 0.26% 0.25% 0.24% 0.25% 0.22% 0.20% 0.22% 0.20% 0.21% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%

Year to Date Net Rate 0.30% 0.59% 0.88% 1.18% 1.47% 1.77% 0.29% 0.55% 0.84% 1.13% 1.43% 1.72% 2.02% 2.33% 2.62% 2.92% 3.22% 3.53% 0.30% 0.57% 0.87% 1.16% 1.46% 1.75% 2.05% 2.35% 2.65% 2.95% 3.24% 3.55% 0.28% 0.53% 0.82% 1.07% 1.34% 1.60% 1.87% 2.14% 2.40% 2.65% 2.90% 3.16% 0.22% 0.42% 0.65% 0.85% 1.06% 1.27% 1.47% 1.68% 1.88% 2.08% 2.28% 2.49%

Rolling 3 Month Ended N/A N/A 0.88% 0.88% 0.87% 0.88% 0.87% 0.85% 0.84% 0.84% 0.87% 0.87% 0.88% 0.88% 0.88% 0.88% 0.87% 0.88% 0.88% 0.87% 0.87% 0.86% 0.88% 0.87% 0.88% 0.88% 0.88% 0.88% 0.87% 0.88% 0.86% 0.83% 0.82% 0.79% 0.80% 0.78% 0.78% 0.78% 0.78% 0.77% 0.75% 0.75% 0.72% 0.68% 0.65% 0.63% 0.64% 0.62% 0.62% 0.61% 0.60% 0.60% 0.59% 0.60%

ANNUALIZED

Rolling 1 Year Ended

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.55% 3.56% 3.56% 3.56% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.55% 3.53% 3.51% 3.49% 3.46% 3.43% 3.40% 3.36% 3.33% 3.30% 3.25% 3.21% 3.16% 3.10% 3.05% 2.99% 2.94% 2.88% 2.83% 2.76% 2.70% 2.64% 2.59% 2.54% 2.49%

Rolling 3 Year Ended

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 3.49% 3.48% 3.47% 3.46% 3.44% 3.43% 3.41% 3.39% 3.37% 3.35% 3.32% 3.29% 3.26% 3.23% 3.19% 3.16% 3.13% 3.10% 3.07%

Rolling 5 year Ended

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Rolling 7 Year Ended

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Rolling 10 year Ended

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Since Inception 2

0.30% 0.59% 0.88% 1.18% 1.47% 1.77% 2.07% 2.33% 2.63% 2.92% 3.23% 3.53% 3.53% 3.54% 3.54% 3.54% 3.54% 3.54% 3.55% 3.54% 3.54% 3.54% 3.54% 3.54% 3.54% 3.55% 3.54% 3.55% 3.54% 3.55% 3.54% 3.53% 3.52% 3.51% 3.50% 3.49% 3.48% 3.48% 3.47% 3.46% 3.45% 3.44% 3.42% 3.40% 3.38% 3.36% 3.34% 3.33% 3.31% 3.29% 3.27% 3.26% 3.24% 3.22%

The Key Guaranteed Portfolio Fund is backed by the general assets of Empower Annuity Insurance Company of America or Empower Life & Annuity Insurance Company of New York, as applicable..

Key Guaranteed Portfolio Fund

Key Guaranteed Portfolio Fund Crediting Rate History

Qtr January-11 February-11 March-11 April-11

May-11 June-11 July-11 August-11 September-11 October-11 November-11 December-11 January-12 February-12 March-12 April-12 May-12 June-12 July-12 August-12 September-12 October-12 November-12 December-12 January-13 February-13 March-13 April-13 May-13 June-13 July-13 August-13 September-13 October-13 November-13 December-13 January-14 February-14 March-14 April-14 May-14 June-14 July-14 August-14 September-14 October-14 November-14 December-14 January-15 February-15 March-15 April-15 May-15 June-15

Annualized Net Rate 1

2.10% 2.10% 2.10% 2.10% 2.10% 2.10% 2.10% 2.10% 2.10% 1.80% 1.80% 1.80% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.45% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.30% 1.30% 1.30% 1.30% 1.30% 1.30% 1.30% 1.30% 1.30% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20%

Monthly Net Rate 0.18% 0.16% 0.18% 0.17% 0.18% 0.17% 0.18% 0.18% 0.17% 0.15% 0.15% 0.15% 0.12% 0.11% 0.12% 0.12% 0.12% 0.12% 0.12% 0.12% 0.12% 0.12% 0.12% 0.12% 0.11% 0.10% 0.11% 0.10% 0.11% 0.10% 0.11% 0.11% 0.10% 0.11% 0.11% 0.11% 0.11% 0.10% 0.11% 0.11% 0.11% 0.11% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.09% 0.10% 0.10% 0.10% 0.10%

Year to Date Net Rate 0.18% 0.34% 0.51% 0.69% 0.86% 1.04% 1.21% 1.39% 1.57% 1.72% 1.87% 2.02% 0.12% 0.24% 0.36% 0.48% 0.60% 0.72% 0.84% 0.96% 1.08% 1.21% 1.33% 1.45% 0.11% 0.20% 0.31% 0.41% 0.52% 0.62% 0.72% 0.83% 0.93% 1.04% 1.15% 1.26% 0.11% 0.21% 0.32% 0.43% 0.54% 0.64% 0.74% 0.85% 0.95% 1.05% 1.15% 1.25% 0.10% 0.19% 0.29% 0.39% 0.49% 0.59%

Rolling 3 Month Ended 0.57% 0.54% 0.51% 0.51% 0.53% 0.52% 0.53% 0.53% 0.53% 0.50% 0.47% 0.45% 0.42% 0.39% 0.36% 0.35% 0.36% 0.36% 0.36% 0.36% 0.36% 0.36% 0.36% 0.36% 0.35% 0.32% 0.31% 0.30% 0.31% 0.31% 0.31% 0.31% 0.31% 0.32% 0.32% 0.33% 0.33% 0.32% 0.32% 0.32% 0.33% 0.32% 0.32% 0.31% 0.30% 0.30% 0.30% 0.30% 0.30% 0.29% 0.29% 0.29% 0.30% 0.30%

ANNUALIZED

Rolling 1 Year Ended

2.44% 2.40% 2.35% 2.32% 2.28% 2.25% 2.23% 2.20% 2.18% 2.12% 2.08% 2.02% 1.97% 1.92% 1.87% 1.81% 1.76% 1.70% 1.65% 1.59% 1.54% 1.51% 1.48% 1.45% 1.43% 1.41% 1.40% 1.38% 1.36% 1.35% 1.33% 1.32% 1.30% 1.29% 1.27% 1.26% 1.27% 1.27% 1.27% 1.28% 1.28% 1.29% 1.28% 1.28% 1.27% 1.27% 1.26% 1.25% 1.24% 1.23% 1.22% 1.22% 1.21% 1.20%

Rolling 3 Year Ended

3.02% 2.98% 2.94% 2.90% 2.86% 2.82% 2.78% 2.74% 2.70% 2.65% 2.61% 2.56% 2.50% 2.46% 2.40% 2.35% 2.31% 2.26% 2.21% 2.16% 2.12% 2.07% 2.03% 1.99% 1.95% 1.91% 1.87% 1.84% 1.80% 1.77% 1.73% 1.70% 1.67% 1.64% 1.61% 1.58% 1.56% 1.54% 1.51% 1.49% 1.47% 1.45% 1.42% 1.40% 1.37% 1.35% 1.34% 1.32% 1.31% 1.31% 1.30% 1.29% 1.29% 1.28%

Rolling 5 year Ended

N/A N/A N/A N/A N/A 3.11% 3.08% 3.06% 3.04% 3.01% 2.98% 2.95% 2.91% 2.88% 2.85% 2.81% 2.78% 2.74% 2.71% 2.67% 2.64% 2.60% 2.57% 2.53% 2.49% 2.46% 2.42% 2.38% 2.34% 2.30% 2.26% 2.22% 2.19% 2.15% 2.11% 2.07% 2.04% 2.01% 1.97% 1.94% 1.91% 1.88% 1.85% 1.82% 1.78% 1.75% 1.72% 1.69% 1.67% 1.65% 1.62% 1.60% 1.58% 1.56%

Rolling 7 Year Ended

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 2.65% 2.63% 2.60% 2.57% 2.54% 2.52% 2.49% 2.46% 2.44% 2.41% 2.39% 2.36% 2.33% 2.31% 2.28% 2.25% 2.22% 2.19% 2.17% 2.14% 2.11% 2.08% 2.05% 2.03% 2.00%

Rolling 10 year Ended

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

Since Inception 2

3.20% 3.18% 3.16% 3.14% 3.13% 3.11% 3.09% 3.08% 3.06% 3.04% 3.02% 3.01% 2.98% 2.96% 2.94% 2.91% 2.89% 2.87% 2.85% 2.84% 2.82% 2.80% 2.78% 2.76% 2.75% 2.73% 2.71% 2.69% 2.67% 2.65% 2.64% 2.62% 2.61% 2.59% 2.58% 2.56% 2.55% 2.53% 2.52% 2.51% 2.50% 2.48% 2.47% 2.46% 2.44% 2.43% 2.42% 2.41% 2.40% 2.38% 2.37% 2.36% 2.35% 2.34%

The Key Guaranteed Portfolio Fund is backed by the general assets of Empower Annuity Insurance Company of America or Empower Life & Annuity Insurance Company of New York, as applicable.

Key Guaranteed Portfolio Fund

Key Guaranteed Portfolio Fund Crediting Rate History

Qtr

July-15 August-15 September-15 October-15 November-15 December-15 January-16 February-16 March-16 April-16

May-16 June-16 July-16 August-16 September-16 October-16 November-16 December-16 January-17 February-17 March-17 April-17 May-17 June-17 July-17 August-17 September-17 October-17 November-17 December-17 January-18 February-18 March-18 April-18 May-18 June-18 July-18 August-18 September-18 October-18 November-18 December-18 January-19 February-19 March-19 April-19 May-19 June-19 July-19 August-19 September-19

Annualized Net Rate 1

1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.15% 1.15% 1.15% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20%

Monthly Net Rate

0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.09% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.09% 0.09% 0.09% 0.09% 0.09% 0.08% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.08% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.09% 0.10% 0.09% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%

Year to Date Net Rate

0.70% 0.80% 0.90% 1.00% 1.10% 1.20% 0.10% 0.20% 0.30% 0.40% 0.50% 0.59% 0.69% 0.79% 0.88% 0.98% 1.07% 1.16% 0.09% 0.18% 0.27% 0.36% 0.45% 0.54% 0.64% 0.73% 0.82% 0.92% 1.01% 1.10% 0.09% 0.18% 0.27% 0.36% 0.45% 0.54% 0.64% 0.73% 0.82% 0.92% 1.01% 1.10% 0.10% 0.19% 0.29% 0.39% 0.49% 0.59% 0.70% 0.80% 0.90%

Rolling 3 Month Ended

0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.29% 0.30% 0.30% 0.30% 0.29% 0.29% 0.28% 0.28% 0.28% 0.28% 0.27% 0.27% 0.27% 0.28% 0.27% 0.28% 0.28% 0.28% 0.28% 0.27% 0.28% 0.28% 0.27% 0.27% 0.27% 0.28% 0.27% 0.28% 0.28% 0.28% 0.28% 0.27% 0.28% 0.28% 0.29% 0.29% 0.29% 0.30% 0.30% 0.30% 0.30% 0.30%

ANNUALIZED

Rolling 1 Year Ended

1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.19% 1.19% 1.18% 1.17% 1.16% 1.15% 1.14% 1.14% 1.13% 1.12% 1.11% 1.11% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.10% 1.11% 1.12% 1.12% 1.13% 1.14% 1.15% 1.16% 1.17% 1.17%

Rolling 3 Year Ended

1.27% 1.26% 1.26% 1.25% 1.24% 1.24% 1.24% 1.24% 1.23% 1.23% 1.23% 1.23% 1.23% 1.22% 1.22% 1.22% 1.21% 1.20% 1.20% 1.19% 1.19% 1.18% 1.18% 1.17% 1.17% 1.17% 1.16% 1.16% 1.16% 1.15% 1.15% 1.15% 1.15% 1.14% 1.14% 1.14% 1.13% 1.13% 1.13% 1.13% 1.12% 1.12% 1.12% 1.12% 1.12% 1.12% 1.12% 1.12% 1.12% 1.12% 1.12%

Rolling 5 year Ended

1.54% 1.52% 1.50% 1.48% 1.46% 1.44% 1.42% 1.41% 1.39% 1.38% 1.36% 1.35% 1.33% 1.32% 1.30% 1.29% 1.28% 1.26% 1.26% 1.25% 1.25% 1.24% 1.24% 1.23% 1.22% 1.22% 1.21% 1.21% 1.20% 1.19% 1.19% 1.19% 1.19% 1.19% 1.18% 1.18% 1.18% 1.17% 1.17% 1.17% 1.17% 1.16% 1.16% 1.16% 1.16% 1.16% 1.15% 1.15% 1.15% 1.15% 1.15%

Rolling 7 Year Ended

1.97% 1.94% 1.91% 1.89% 1.86% 1.83% 1.81% 1.78% 1.76% 1.73% 1.71% 1.69% 1.66% 1.64% 1.62% 1.59% 1.57% 1.55% 1.53% 1.51% 1.49% 1.48% 1.46% 1.44% 1.43% 1.41% 1.40% 1.38% 1.37% 1.35% 1.34% 1.33% 1.31% 1.30% 1.29% 1.28% 1.27% 1.25% 1.24% 1.23% 1.23% 1.22% 1.21% 1.21% 1.21% 1.21% 1.20% 1.20% 1.20% 1.19% 1.19%

Rolling 10 year Ended

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 2.23% 2.20% 2.18% 2.16% 2.14% 2.12% 2.10% 2.08% 2.06% 2.05% 2.02% 2.00% 1.98% 1.96% 1.94% 1.92% 1.90% 1.88% 1.86% 1.84% 1.82% 1.80% 1.78% 1.76% 1.74% 1.72% 1.70% 1.68% 1.66% 1.64% 1.62% 1.60% 1.58% 1.56% 1.55% 1.53% 1.52% 1.50% 1.48% 1.47%

Since Inception 2

2.33% 2.32% 2.31% 2.30% 2.29% 2.28% 2.27% 2.26% 2.25% 2.24% 2.23% 2.23% 2.22% 2.21% 2.20% 2.19% 2.18% 2.17% 2.16% 2.16% 2.15% 2.14% 2.13% 2.12% 2.12% 2.11% 2.10% 2.09% 2.09% 2.08% 2.07% 2.06% 2.06% 2.05% 2.04% 2.04% 2.03% 2.02% 2.02% 2.01% 2.01% 2.00% 2.00% 1.99% 1.98% 1.98% 1.97% 1.97% 1.96% 1.96% 1.95%

The Key Guaranteed Portfolio Fund is backed by the general assets of Empower Annuity Insurance Company of America or Empower Life & Annuity Insurance Company of New York, as applicable..

Key Guaranteed Portfolio Fund

Key Guaranteed Portfolio Fund Crediting Rate History

Qtr October-19 November-19 December-19 January-20 February-20 March-20

April-20

May-20

June-20

July-20

August-20

September-20

October-20

November-20

December-20 January-21 February-21 March-21 April-21 May-21 June-21 July-21 August-21

September-21 October-21 November-21 December-21 January-22 February-22 March-22 April-22 May-22 June-22 July-22 August-22

September-22 October-22 November-22 December-22 January-23 February-23 March-23

Annualized Net Rate 1

1.20% 1.20% 1.20% 1.15% 1.15% 1.15%

1.00%

1.00%

1.00%

1.00%

1.00%

1.00%

1.00%

1.00%

1.00% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.90% 0.80% 0.80% 0.80% 0.85% 0.85% 0.85% 1.00% 1.00% 1.00% 1.05% 1.05% 1.05% 1.15% 1.15% 1.15%

Monthly Net Rate 0.10% 0.10% 0.10% 0.10% 0.09% 0.10%

0.08%

0.08%

0.08%

0.08%

0.08%

0.08%

0.08%

0.08%

0.08% 0.08% 0.07% 0.08% 0.07% 0.08% 0.07% 0.08% 0.08% 0.07% 0.08% 0.07% 0.08% 0.07% 0.06% 0.07% 0.07% 0.07% 0.07% 0.08% 0.08% 0.08% 0.09% 0.09% 0.09% 0.10% 0.09% 0.10%

Year to Date Net Rate 1.00% 1.10% 1.20% 0.10% 0.19% 0.28%

0.37%

0.45%

0.53%

0.62%

0.70%

0.78%

0.87%

0.95%

1.04% 0.08% 0.14% 0.22% 0.30% 0.37% 0.45% 0.52% 0.60% 0.67% 0.75% 0.82% 0.90% 0.07% 0.13% 0.20% 0.27% 0.34% 0.41% 0.49% 0.58% 0.66% 0.75% 0.84% 0.93% 0.10% 0.19% 0.28%

Rolling 3 Month Ended 0.30% 0.30% 0.30% 0.30% 0.29% 0.28%

0.27%

0.26%

0.25%

0.25%

0.25%

0.25%

0.25%

0.25%

0.25% 0.24% 0.23% 0.22% 0.22% 0.23% 0.22% 0.23% 0.23% 0.23% 0.23% 0.22% 0.23% 0.22% 0.21% 0.20% 0.20% 0.21% 0.21% 0.23% 0.24% 0.25% 0.26% 0.26% 0.26% 0.27% 0.27% 0.28%

ANNUALIZED

Rolling 1 Year Ended

1.18% 1.19% 1.20% 1.20% 1.19% 1.19%

1.17%

1.16%

1.14%

1.12%

1.11%

1.09%

1.07%

1.05%

1.04% 1.02% 0.99% 0.97% 0.97% 0.96% 0.95% 0.94% 0.93% 0.92% 0.92% 0.91% 0.90% 0.89% 0.88% 0.88% 0.87% 0.87% 0.86% 0.87% 0.88% 0.89% 0.90% 0.91% 0.93% 0.96% 0.98% 1.01%

Rolling 3 Year Ended

1.13% 1.13% 1.13% 1.13% 1.14% 1.14%

1.14%

1.13%

1.13%

1.13%

1.12%

1.12%

1.12%

1.12%

1.11% 1.11% 1.10% 1.10% 1.09% 1.08% 1.08% 1.07% 1.07% 1.06% 1.06% 1.05% 1.05% 1.03% 1.02% 1.01% 1.00% 0.99% 0.98% 0.98% 0.97% 0.97% 0.96% 0.96% 0.95% 0.95% 0.95% 0.95%

Rolling 5 year Ended

1.15% 1.15% 1.15% 1.15% 1.15% 1.15%

1.15%

1.14%

1.14%

1.14%

1.13%

1.13%

1.13%

1.12%

1.12% 1.11% 1.11% 1.10% 1.10% 1.09% 1.09% 1.09% 1.08% 1.08% 1.07% 1.07% 1.07% 1.06% 1.06% 1.05% 1.05% 1.04% 1.04% 1.04% 1.04% 1.04% 1.03% 1.03% 1.03% 1.03% 1.03% 1.04%

Rolling 7 Year Ended

1.19% 1.19% 1.18% 1.18% 1.18% 1.18%

1.18%

1.17%

1.17%

1.17%

1.16%

1.16%

1.16%

1.15%

1.15% 1.14% 1.14% 1.14% 1.13% 1.13% 1.12% 1.12% 1.11% 1.11% 1.11% 1.10% 1.10% 1.10% 1.09% 1.09% 1.08% 1.08% 1.07% 1.07% 1.07% 1.07% 1.06% 1.06% 1.06% 1.06% 1.06% 1.06%

Rolling 10 year Ended

1.45% 1.44% 1.42% 1.41% 1.40% 1.39%

1.37%

1.36%

1.35%

1.34%

1.32%

1.31%

1.30%

1.29%

1.28% 1.27% 1.26% 1.25% 1.24% 1.23% 1.22% 1.21% 1.20% 1.19% 1.18% 1.17% 1.17% 1.16% 1.16% 1.15% 1.14% 1.14% 1.13% 1.13% 1.13% 1.12% 1.12% 1.12% 1.11% 1.11% 1.11% 1.11%

Since Inception 2

1.95% 1.95% 1.94% 1.94% 1.93% 1.93%

1.92%

1.92%

1.91%

1.90%

1.90%

1.89%

1.89%

1.88%

1.88% 1.87% 1.87% 1.86% 1.86% 1.85% 1.85% 1.84% 1.83% 1.83% 1.82% 1.82% 1.81% 1.81% 1.80% 1.80% 1.79% 1.79% 1.78% 1.78% 1.78% 1.77% 1.77% 1.76% 1.76% 1.76% 1.75% 1.75%

1 Above are base rates and exclude any adjustment for asset size or underwriting criteria. An individual plan's performance could vary from the returns presented. 2 Returns shown for periods of less than one year are not annualized

FOR PLAN SPONSOR OR FINANCIAL PROFESSIONAL USE ONLY.

Provisions summarized herein may differ by state or the version of your EAIC group annuity contract and KGPF rider. The Key Guaranteed Portfolio Fund (the Fund) is a general account group annuity contract or funding agreement issued by EAIC, Corporate Headquarters: Greenwood Village, CO. The fund guarantees principal and credited interest for eligible participant-initiated withdrawals and transfers. Guarantees are subject to the terms and conditions of the contract and the claims-paying ability of the insurer. Depending on the terms of the contract, there may also be investment risks associated with certain plan sponsor actions, including, but not limited to, a termination of the contract that could result in a negative market value adjustment to the proceeds paid to the plan sponsor or an extended payment period. For more information, please contact Empower or refer to the contract. On August 1, 2022, Empower announced that it is changing the names of various companies within its corporate group to align the names with the Empower brand. For more information regarding the name changes, please visit name-change. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. Empower Investments is a marketing name of Empower Annuity Insurance Company of America and certain subsidiaries., including Empower Life & Annuity Insurance Company of New York and Empower Capital Management, LLC. "EMPOWER" and "EMPOWER INVESTMENTS" and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America. ?2023 Empower Annuity Insurance Company of America . All rights reserved. . RO2665404-0123 Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Not Insured by Any Federal Government Agency

The Key Guaranteed Portfolio Fund is backed by the general assets of Empower Annuity Insurance Company of America or Empower Life & Annuity Insurance Company of New York, as applicable.

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