AI Powered Global Opportunities Index

† Index performance reflects back-tested results, which is not actual performance, but is calculated by applying the index methodology (designed with the benefit of hindsight) to historical financial data. While the index did not exist during this time period, the components did. Back-tested performance is hypothetical and has been provided for informational purposes only. It is not intended to predict future performance and actual performance will vary, perhaps materially, from the hypothetical performance shown above. The hypothetical performance of the index does not correlate directly to index credits. Please refer to the Index Strategy Insert for more information about how interest is credited.

The index is an excess return index. The returns of the index will reflect the performance of the underlying components in excess of a reference rate that could be earned on cash or a similar risk-free benchmark asset. Additionally, the performance of the index includes an embedded fee and may also include other costs such as transaction and replication costs. These costs may vary over time with market conditions. The excess return nature of index and the embedded fees and costs will all reduce index performance and the potential interest credited within the annuity contract. Because the index applies a volatility control mechanism, the range of both the positive and negative performance of the index is limited. The embedded fee for the AI Powered Global Opportunities Index is 0.85% per year, deducted daily.

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The AI Powered Global Opportunities Index (the “AiGO Index”) is the exclusive property of EquBot Inc (“EquBot”) and administered, calculated, and published by MerQube, Inc (“MerQube”). HSBC, AiGO, and “AI Powered Global Opportunities Index” (collectively, the “AiGO Marks”) are trademarks or service marks of EquBot and have been licensed by HSBC and sub-licensed by Athene Annuity and Life Company (the “Company”) for use in a fixed indexed annuity offered by the Company. The fixed indexed annuity is not, in whole or in part, sponsored, structured, priced, endorsed, offered, sold, issued or promoted by EquBot, HSBC, MerQube or any of their affiliates. EquBot and HSBC’s only relationship to the Company is the licensing of the AiGO Index and AiGO Marks for certain purposes. MerQube’s only relationship to the Company is with respect to administering, calculating and publishing the AiGO Index. EquBot, HSBC and MerQube shall not have any liability with respect to a fixed indexed annuity in which an interest crediting option is based on the AiGO Index and are not liable for any loss relating to the fixed indexed annuity, whether arising directly or indirectly from the use of the AiGO Index, its methodology, any AiGO Mark or otherwise. None of EquBot, HSBC or MerQube have any obligation to take into consideration any of the needs of the Company or any of the owners, annuitants or beneficiaries of the fixed indexed annuity in designing, calculating, administering or licensing the AiGO Index.

NONE OF EQUBOT, HSBC, MERQUBE OR THEIR SUPPLIERS GUARANTEES THE ACCURACY, ADEQUACY, TIMELINESS, COMPLETENESS OR AVAILABILITY OF THE AIGO INDEX OR ANY COMPONENT THEREOF OR DATA INCLUDED THEREIN, OR THAT NO ERROR, OMISSION, DELAY OR INTERRUPTION WILL EXIST THEREIN. NONE OF EQUBOT, HSBC, MERQUBE OR THEIR SUPPLIERS MAKES ANY REPRESENTATION OR WARRANTY, AND EACH OF HSBC, EQUBOT, MERQUBE AND THEIR SUPPLIERS EXPRESSLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THOSE REGARDING (I) MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, AND (II) THE ADVISABILITY OF ANY PERSON INVESTING IN THE FIXED INDEXED ANNUITY.

No purchaser, seller or holder of the fixed indexed annuity, or any other person or entity, should use or refer to any AiGO Mark or other EquBot trade name to sponsor, endorse, market or promote the fixed indexed annuity without a license from EquBot and HSBC. Under no circumstances may any person or entity claim any affiliation or association with EquBot, HSBC or MerQube without the prior written permission of EquBot, HSBC or MerQube.

In calculating the performance of the AiGO Index, EquBot deducts a servicing cost of 0.85% per annum, calculated on a daily basis. Such costs may vary over time with market conditions. These costs reduce the potential positive change in the AiGO Index and thus the amount of interest that will be credited to the fixed indexed annuity option based on the AiGO Index.

The volatility control applied by Equbot may reduce the potential positive or negative change in the AiGO Index and thus the amount of interest that will be credited to the fixed indexed annuity option that is based on the AiGO Index.

Nothing provided herein should be construed as HSBC, Equbot, MerQube or any of their suppliers providing tax, legal, or investment advice nor are HSBC, EquBot, MerQube or any of their suppliers recommending engaging in any investment strategy or transaction.

IBM and IBM Watson are registered trademarks of International Business Machines Corporation, registered in many jurisdictions worldwide.