RILA Historical Rates

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Segment Credit: The amount credited to each Segment Option according to the terms of the Segment Option and Crediting Method.

Segment Options: Segment Options include Index-Linked Segment Options and a Fixed Segment Option, each with a Segment Term Period. Each Index-Linked Segment Option will also have an Index or Indices, a Buffer Rate, a Cap Rate and a Participation Rate, or a Trigger Rate and may be subject to a Segment Fee.

Segment Term Period: Duration over which Segment Credits are calculated.

Participation Rate: A percentage that is multiplied by a positive index change, after the application of the Cap Rate, to calculate the Segment Credit. For Dual Direction Segment Options, the Downside Participation Rate applies to the absolute value of a negative index change that is fully offset by the Buffer Rate. The Downside Participation Rate is equal to the Participation Rate that applies to a positive index change.

Cap Rate: The maximum positive index change that will be used in the calculation of Segment Credits that may be applied to a Segment Option.

Trigger Rate: A rate used in the calculation of Trigger and Dual Trigger Segment Options to determine Segment Credits when index change is greater than or equal to a threshold specified by the strategy.

Buffer Rate: A level of protection from potential market loss up to a Buffer Rate. Losses in excess of the Buffer Rate will result in a negative Segment Credit and reduce the value of the contract.

Performance Blend: Performance Blend is a weighted average return of three different indices (SPX, RTY, MXEA) where at the Segment End Date, 50% of the index change used to determine Segment Credits is based on the return of the best performing Index, 30% is based on the return of the second-best performing Index and 20% is based on the return of the lowest performing Index. The Cap Rate, Participation Rate and Buffer Rate are then applied to this weighted average return.

Annual Segment Fee: A 0.95% annual Segment Fee is deducted daily from each applicable Index-Linked Segment Option. The Segment Fee is set at issue and guaranteed not to change for the life of the Contract.

The Withdrawal Charge, Equity Adjustment, and Interest Adjustment will all impact the Cash Surrender Value in accordance with the terms of the Contract. For all Segment Options, the Withdrawal Charge will reduce the Cash Surrender Value. For Index-Linked Segment Options, the Equity Adjustment and Interest Adjustment may increase or decrease the Cash Surrender Value. For the Fixed Segment Option, the Interest Adjustment may increase or decrease the Cash Surrender Value.

Registered index-linked annuities can only be marketed and sold by securities licensed financial professionals. They are designed to be long-term investment products used to help provide income for retirement. They are not suitable as short-term investments. There is a risk of substantial loss of principal and related earnings depending on the Segment Options to which the Purchase Payment is allocated. In the event of negative index performance, Segment Credits may be negative after application of the Buffer Rate and the Contract Owner bears the portion of loss that exceeds that rate.

Registered index-linked annuities are not stock market investments and do not directly participate in any stock or equity investments. Market indices may not include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an index nor any market-indexed annuity is comparable to a direct investment in the equity markets.

All Segment Credits, including those with a guaranteed rate of interest, are paid by the insurance company and subject to its claims paying ability.

S&P 500 Index • The S&P 500^® Index (the “Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Athene Annuity and Life Company and Athene Annuity & Life Assurance Company of New York (collectively, “Athene”). S&P^®, S&P 500^®, SPX^®, US 500, The 500, iBoxx^®, iTraxx^® and CDX^® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Athene’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates 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 Index.

Nasdaq-100^® Index • Nasdaq^®, Nasdaq-100^®, and Nasdaq-100 Index^®, are trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the "Corporations") and are licensed for use by Athene Annuity & Life Assurance Company of New York. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

Russell 2000^® Index • Athene annuity products (the “Products”) have been developed solely by Athene Annuity & Life Assurance Company of New York. The Products are not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies.

All rights in the Russell 2000 Index (the “Index”) vest in the relevant LSE Group company which owns the Index. “Russell^®” and “Russell 2000^®” are trademarks of the relevant LSE Group company and are used by any other LSE Group company under license

The Index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of the Products. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the Products or the suitability of the Index for the purpose to which it is being put by Athene  Annuity & Life Assurance Company of New York

MSCI EAFE Index • The products referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such products or securities or any index on which such products are based. The prospectus/contract contains a more detailed description of the limited relationship MSCI has with Athene Annuity & Life Assurance Company of New York and any related products.

Shiller Barclays CAPE^® US Mid-Month Sector TR Net Index • The Shiller Barclays CAPE^® US Mid-Month Sector TR Net Index (the “Index”) has been developed in part by RSBB-I, LLC, the research principal of which is Robert J. Shiller. RSBB-I, LLC is not an investment advisor, and does not guarantee the accuracy or completeness of the Index, or any data or methodology either included therein or upon which it is based. Neither RSBB-I, LLC nor Robert J. Shiller or any of their respective partners, employees, subcontractors, agents, suppliers and vendors (collectively, the “Protected Parties”) shall have any liability, whether caused by the negligence of a Protected Party or otherwise, for any errors, omissions, or interruptions therein, and make no warranties, express or implied, as to performance or results experienced by any party from the use of any information included therein or upon which it is based, and expressly disclaim all warranties of merchantability or fitness for a particular purpose with respect thereto, and shall not be liable for any claims or losses of any nature in connection with the use of such information, including but not limited to, lost profits or punitive or consequential damages, even if RSBB-I, LLC, Robert J. Shiller or any Protected Party is advised of the possibility of same.

Neither Barclays Bank PLC (“BB PLC'') nor any of its affiliates (collectively "Barclays”) is the issuer or producer of Athene Annuity and Life Company’s (“Athene”) annuity products (the “Products”) and Barclays has no responsibilities, obligations or duties to purchasers of the Products. The Index, together with any Barclays indices that are components of the Index, is a trademark owned by Barclays and, together with any component indices and index data, is licensed for use by Athene as the issuer or producer of the Products (the “Issuer”).

Barclays’ only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the Index sponsor (the “Index Sponsor”) without regard to the Issuer or the Products or purchasers of the Products. Additionally, Athene as issuer or producer of the Products may for itself execute transaction(s) with Barclays in or relating to the Index in connection with the Products. Consumers acquire the Products from Athene and neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with Barclays upon purchasing the Products. The Products are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Products or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, purchasers of the Products or to other third parties in respect of the use or accuracy of the Index or any data included therein.

Athene Amplify 3.0 ICC25 RIA III (05/26)/RIA III (05/26), ICC25 CS III (05/26)/ CS III (05/26), ICC25 CW III (05/26)/CW III (05/26), ICC25 TIW III (05/26)/TIW III (05/26), ICC25 SCS III (05/26)/SCS III (05/26), ICC25 Fixed III (05/26)/Fixed III (05/26), ICC25 Buffer PTP III (05/26)/Buffer PTP III (05/26), ICC25 Performance Blend III (05/26)/Performance Blend III (05/26), ICC25 Dual Direction III (05/26)/Dual Direction III (05/26), ICC25 Trigger III (05/26)/Trigger III (05/26), ICC25 Dual Trigger III (05/26)/Dual Trigger III (05/26), ICC25 GMDB III (05/26)/GMDB III (05/26), ICC25 Performance Lock III (05/26)/Performance Lock III (05/26) or state variations issued by Athene Annuity and Life Company, West Des Moines, IA, and distributed by its affiliate Athene Securities, LLC, West Des Moines, IA, member FINRA/SIPC, a registered broker-dealer. Product features, limitations and availability vary; see the prospectus for details. Product not available in all states.

Athene Amplify 2.0 ICC24 RIA II (05/25), ICC24 RIA II (05/25) NF, ICC24 CS II (05/25), ICC24 CW II (05/25), ICC24 TIW II (05/25), ICC24 SCS II (05/25), ICC24 SCS II (05/25) NF, ICC24 Fixed II (05/25), ICC24 Buffer II (05/25), ICC24 Buffer II (05/25) NF, ICC24 Buffer MI II (05/25), ICC24 Buffer MI II (05/25) NF, ICC24 Buffer MSTN II (05/25), ICC24 Buffer MSTN II (05/25) NF, ICC24 Trigger II (05/25), ICC24 Trigger II (05/25) NF, ICC24 Dual Trigger II (05/25), ICC24 Dual Trigger II (05/25) NF, ICC24 Dual Direction II (05/25), ICC24 Dual Direction II (05/25) NF, ICC24 GMDB II (05/25), ICC24 GMDB II (05/25) NF, ICC24 Performance Lock II (05/25), ICC24 Interim II (05/25) or state variation RIA II (05/25), RIA II (05/25) NF, CS II (05/25), CW II (05/25), TIW II (05/25), SCS II (05/25), SCS II (05/25) NF, Fixed II (05/25), Buffer II (05/25), Buffer II (05/25) NF, Buffer MI II (05/25), Buffer MI II (05/25) NF, Buffer MSTN II (05/25), Buffer MSTN II (05/25) NF, Trigger II (05/25), Trigger II (05/25) NF, Dual Trigger II (05/25), Dual Trigger II (05/25) NF, Dual Direction II (05/25), Dual Direction II (05/25) NF, GMDB II (05/25), GMDB II (05/25) NF, Performance Lock II (05/25), Interim II (05/25) issued by Athene Annuity and Life Company, West Des Moines, IA, and distributed by its affiliate Athene Securities, LLC, West Des Moines, IA, member FINRA/SIPC, a registered broker-dealer. Product features, limitations and availability vary; see the prospectus for details. Product not available in all states.

Athene Amplify 2.0 RIA II (05/25) NF, CS II (05/25), CW II (05/25), TIW II (05/25), SCS II (05/25) NF, Fixed II (05/25), Buffer II (05/25) NF, Buffer MI II (05/25) NF, Trigger II (05/25) NF, Dual Trigger II (05/25) NF, Dual Direction II (05/25) NF, GMDB II (05/25) NF, Performance Lock II (05/25) issued by Athene Annuity & Life Assurance Company of New York, headquartered in Pearl River, New York. Product features, limitations and availability may vary­ see prospectus for full details. Products not available in all states.

The purpose of this material is solicitation of insurance. Any sale of an annuity will require contact with a financial professional.

Registered index-linked annuities can only be marketed and sold by securities licensed financial professionals. Any discussion of this product must be preceded or accompanied by a Prospectus.