For producers only. Not for use with the general public.

"F&G" refers to Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.

The Power Producer arrangement is unfunded. Your account value is a “bookkeeping” account that is subject to risk of forfeiture in the event of insolvency or bankruptcy of the Company, or such other claims as may be made by the general creditors of the Company. The Power Producer program is a deferred bonus compensation plan for eligible appointed agents of Fidelity & Guaranty Life Insurance Company. Eligible appointed agents include individuals who represent the Company as writing agents working directly with the customer and not with respect to business written as an upline agent. Additionally, agents appointed under a bank or broker dealer are not eligible. Terms are as stated in the Power Producer plan document, which Fidelity & Guaranty Life may amend, limit or terminate at any time. FGL reserves the right to exclude products at its discretion.

“Barclays Bank PLC and its affiliates (“Barclays”) is not the issuer or producer of [Fixed Indexed Annuities/Indexed Universal Life] and Barclays has no responsibilities, obligations or duties to contract owners of [Fixed Indexed Annuities/Indexed Universal Life]. The Index is a trademark owned by Barclays Bank PLC and licensed for use by Fidelity & Guaranty Life Insurance Company as the Issuer of [Fixed Indexed Annuities/Indexed Universal Life]. While Fidelity & Guaranty Life Insurance Company as Issuer of [Fixed Indexed Annuities/Indexed Universal Life] may for itself execute transaction(s) with Barclays in or relating to the Index in connection with [Fixed Indexed Annuities/Indexed Universal Life]. Contract owners acquire [Fixed Indexed Annuities/Indexed Universal Life] from Fidelity & Guaranty Life Insurance Company and contract owners neither acquire any interest in Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in [Fixed Indexed Annuities/Indexed Universal Life]. The [Fixed Indexed Annuities/Indexed Universal Life] are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the [Fixed Indexed Annuities/Indexed Universal Life] or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, contract owners or to other third parties in respect of the use or accuracy of the Index or any data included therein.”

20-1524