• RS Variable Products Trust Funds are available for sale as variable investment options through our Guardian variable annuity products. Variable annuities are long-term investment vehicles designed for retirement purposes.
• On October 9, 2006, pursuant to shareholder approval of a plan of reorganization, the Guardian Stock Fund, Guardian VC 500 Index Fund, Guardian VC Asset Allocation Fund, Guardian VC High Yield Bond Fund, Guardian VC Low Duration Bond Fund, Guardian UBS VC Large Cap Value Fund, Guardian UBS VC Small Cap Value Fund, Guardian Bond Fund, Guardian Cash Fund, Baillie Gifford International Growth Fund, Baillie Gifford Emerging Markets Fund, and Guardian Small Cap Stock Fund (collectively, the "Guardian Funds") will no longer be available as investment options under this contract. They will be replaced by the RS Core Equity VIP Series, RS S&P 500 Index VIP Series, RS Asset Allocation VIP Series, RS High Yield Bond VIP Series, RS Low Duration Bond VIP Series, RS Large Cap Value Fund VIP Series, RS Partners VIP Series, RS Investment Quality Bond VIP Series, RS Money Market VIP Series, RS International Growth VIP Series, RS Emerging Markets VIP Series, and the RS Small Cap Core Equity Fund VIP Series (collectively, the "RS Funds"), respectively, each a series of the RS Variable Products Trust. Contract values allocated to any of the Guardian Funds as of October 6, 2006 will be transferred to the corresponding RS Fund.
• In addition to the funds listed in the table above, our products offer a broad range of investment options from a roster of experienced and respected fund families. For more information, including prospectuses for other investment options in GIAC variable annuities, please contact your financial professional or call us at 800-221-3253, option 2,3.
• Proxy Voting Information: Click Here to view the proxy voting activity for each company held in a RS Variable Products Trust Fund.

Prospectuses contain important information, including fees and expenses. Please read the prospectuses carefully before investing or sending money. You should consider the investment company's investment objectives, risks, charges and expenses carefully before investing. A prospectus containing this and other important information may be obtained by calling 800-221-3253 or downloaded from the Prospectus column on the table above.

Investments in GIAC variable annuities or any of their investment options are not deposits or obligations of, or guaranteed or endorsed by any bank or depository institution, nor are they insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Association (NCUA), the Federal Reserve Board, or any other agency. Investment in any of the variable investment options involves risk, including the possible loss of principal. Investment return and principal value may fluctuate so that the investment, when redeemed, may be more or less than the original cost. Annuity payments are guaranteed solely by the financial strength and claims-paying ability of GIAC.

Variable annuities are issued by GIAC, a Delaware corporation, and distributed by Guardian Investor Services LLC (GIS). GIAC and GIS are located at 7 Hanover Square, New York, NY 10004 (800) 221-3253. GIAC and GIS who are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York NY.

GIS is a member: FINRA, SIPC.