Increased Premium Deposit Agreement Interest Rate Effective 11/01/22

North American’s enduring strength and stability, prudent investment philosophy and private ownership allows us
to continually evaluate new opportunities that can bring more value to our distribution partners and customers. As
a result, we are excited to announce that effective November 1, 2022, the interest rate on the Premium Deposit
Agreement in the Premium Deposit Account will change from 2.00% to 2.50%. This applies to new premium
deposits paid into an existing Premium Deposit Agreement and new Premium Deposit Agreements established at
policy issue.