NYSE® GEARS Index

A growth-oriented index designed to identify the current global equity market environment and reallocate to capture equity performance through changing market conditions while using a proprietary risk management process to reduce volatility. The Index features:

Global equity diversification

To help provide broad global equity diversification and the opportunity for greater growth through changing markets, the Index leverages a combination of global long, short and defensive equity strategies.

Dynamic market indicator

The Index utilizes a proprietary daily dynamic market indicator developed by Deutsche Bank to help rapidly adapt to changes in global market sentiment and guide the dynamic reallocation process.

Return optimization

The Index uses the dynamic market indicator and proactively rebalances among the global long, short and defensive equity strategies with the aim to optimize returns through changing global markets.

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The building blocks of the NYSE® GEARS Index

The Index is constructed using three strategies to provide broad global equity exposure: Global Smart Beta, Global Equity Diversifier and Equity Defensive. The allocations are dynamically adjusted to help the Index navigate changes in market conditions with the aim to provide greater growth potential.

The Global Smart Beta Strategy leverages liquid large and mid-cap companies across 23 Developed Markets, and strategically weights to equities based on four well-known factors viz., value, quality, low beta and momentum.

The Global Equity Diversifier Strategy combines two long-short equity tactics to help achieve diversified exposure:

Each month, the strategy applies a predictive machine learning algorithm to, on average, over 100 different fundamental stock metrics. Weights are then allocated to, on average, 35 of those metrics that are predicted to perform well over the next month.
The reversion model seeks to identify equities that are not aligned with the expected valuation and should revert to the expected price over short periods of time.

The Equity Defensive Strategy provides an equal weight exposure to fast acting momentum strategies on the S&P 500® Index and NASDAQ Composite Index that can take long or short positions intraday. This is a reactive model. When the market is trending down intraday, it will short the indices via index futures, and when it is trending up intraday it will allocate more to the indices, again via index futures.

Dynamic market indicator adapts to changing global equity markets

The Index utilizes a daily dynamic market indicator to evaluate eight indicators such as volatility, interest rates, credit spreads and other signals. Based on the composite signal and risk environment, the Index dynamically adjusts allocations to the global long, short and defensive equity strategies.

Dynamic Allocations

These allocations are hypothetical and intended to demonstrate how asset allocation and rebalancing can impact portfolio risk and returns. They are not intended to represent the performance of any specific investment or provide financial advice. They are for illustrative purposes only, helping to show how different investment strategies and asset classes can affect overall portfolio outcomes.

To reduce risk, the Index looks at the 10-day daily moving average of the dynamic market indicator and will rebalance if the dynamic allocation signal shows a reallocation needed of greater than 15% to the smart beta strategy. The Index will work to further smooth volatility by rebalancing daily to meet its 8% volatility control level.

Designed to capture global equity performance through changing markets

The NYSE^® GEARS Index leverages global diversification, a proprietary dynamic market indicator and a return optimization process with the aim to provide stable, long-term returns through changing market environments. The graph below shows how the Index would have provided relatively consistent growth had it been available in past markets.

Index performance from 8/27/2008 through 12/31/2024. The index performance shown is hypothetical and for illustrative purposes only and does not represent the performance of a specific product. The NYSE GEARS Index was established on 7/1/2025. Performance before this date is back-tested. Hypothetical performance is back-tested by applying the Index methodology to historical financial data when all components were available and was designed with the benefit of hindsight. Back-tested performance is hypothetical and has been provided for informational purposes only. Past performance is not a guarantee of any future performance.

This is an excess return index which, among other calculation elements that reduce index performance, does not allocate to any interest-bearing cash rate allocations. Because of this, an excess return version of an index will have lower performance than a total return version of the same index would, especially in high interest rate environments.

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ICE Data Indices, LLC (“ICE Data”) is the administrator of the NYSE GEARS Index (“Index”). “NYSE^®” is a registered mark of ICE Data or its affiliates which has been licensed, along with the Index for use by North American Company for Life and Health Insurance^® (the “Company”) in connection with fixed indexed annuity products (the “Product”). Deutsche Bank AG or it’s affiliates (collectively, “DB Group”) have provided certain intellectual property for use in the construction of the Index. “Deutsche Bank” and “Deutsche Bank AG”, “Deutsche Bank Global Markets”, “DB Investment Solutions” and “Deutsche Bank AG, London Branch” and The “Deutsche Bank Global Equity Smart Beta Index^TM” and “Deutsche Bank DBIQ Global Sentiment Indicator II Index^TM” and the “Deutsche Bank Equity Alpha Basket Index^TM” are service marks of DB Group; and have been licensed to ICE Data, which has sublicensed their use for certain purposes to the Company. Neither the Company, nor the Product are sponsored, issued, endorsed, sold, recommended, or promoted by ICE Data, its affiliates or its third party suppliers, including each of Deutsche Banke AG, DB Group and its third party suppliers (“ICE Data and its Suppliers”). ICE Data and its Suppliers make no representations or warranties, including regarding the advisability of investing in any asset generally, in the Product particularly, or the ability of the Index to track general market performance.

ICE DATA AND ITS SUPPLIERS DISCLAIM ANY AND ALL WARRANTIES AND REPRESENTATIONS, EXPRESS AND/OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, INCLUDING THE INDICES, INDEX DATA, INPUT DATA, AND ANY INFORMATION INCLUDED IN, RELATED TO, OR DERIVED THEREFROM (“INDEX DATA”). ICE DATA AND ITS SUPPLIERS SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS AND SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY WITH RESPECT TO THE ADEQUACY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE INDICES OR THE INDEX DATA, WHICH ARE PROVIDED ON AN “AS IS” BASIS AND YOUR USE IS AT YOUR OWN RISK. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL ICE DATA AND ITS SUPPLIERS HAVE ANY LIABILITY (WHETHER IN NEGLIGENCE OR OTHERWISE) FOR DIRECT, INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL OR ANY OTHER DAMAGES OR LOSSES (INCLUDING LOST PROFITS) IN CONNECTION WITH THE INDEX OR THE PRODUCT, EVEN IF NOTIFIED OF THE POSSIBILITY THEREOF.

Past performance of an index is not an indicator of or a guarantee of future results. Hypothetical and simulated examples have inherent limitations and are generally prepared with the benefit of hindsight. There are often differences between simulated results and the actual results. There are numerous factors related to the markets in general or the implementation of any specific investment strategy, which cannot be fully accounted for in the preparation of simulated results and all of which can adversely affect actual results.

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from your accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.

Annexus and their affiliated agencies are independently contracted with North American Company for Life and Health Insurance.

The North American Secure Horizon^SM Choice is issued on form NA1015A/ICC21-NA1015A (Contract), AE634A/ICC21-AE634A, AE651A/ICC21-AE651A, AE652A/ICC21-AE652A, AE653A/ICC21-AE653A, AE654A/ICC21-AE654A, AE655A/ICC21-AE655A, ICC20-AE642A, AE638A/ICC21-AE638A, AE639A/ICC21-AE639A, AE660A04 and AE656A (riders/endorsements) or appropriate state variation. This product, its features, and riders may not be available in all states.

Sammons Financial^® is the marketing name for Sammons^® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance^®. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance.

35866Z-1

PRT 8-25