<SEC-DOCUMENT>0001104659-24-056427.txt : 20240502
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<ACCEPTANCE-DATETIME>20240502164134
ACCESSION NUMBER:		0001104659-24-056427
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		20
CONFORMED PERIOD OF REPORT:	20240430
ITEM INFORMATION:		Completion of Acquisition or Disposition of Assets
ITEM INFORMATION:		Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing
ITEM INFORMATION:		Material Modifications to Rights of Security Holders
ITEM INFORMATION:		Changes in Control of Registrant
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240502
DATE AS OF CHANGE:		20240502

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAN EQUITY INVESTMENT LIFE HOLDING CO
		CENTRAL INDEX KEY:			0001039828
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				421447959
		STATE OF INCORPORATION:			IA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31911
		FILM NUMBER:		24909201

	BUSINESS ADDRESS:	
		STREET 1:		6000 WESTOWN PARKWAY
		CITY:			WEST DEMOINES
		STATE:			IA
		ZIP:			50266
		BUSINESS PHONE:		5152210002

	MAIL ADDRESS:	
		STREET 1:		6000 WESTOWN PARKWAY
		CITY:			WEST DES MOINES
		STATE:			IA
		ZIP:			50266
</SEC-HEADER>
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<p style="margin: 0">&#160;</p>

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<p style="margin: 0"><b>&#160;</b></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>UNITED STATES </b></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SECURITIES AND EXCHANGE COMMISSION </b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Washington, D.C. 20549</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>



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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT </b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Pursuant to Section&#160;13 or 15(d)
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported):
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of registrant as specified in
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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<td style="vertical-align: top; text-align: center">(State or other jurisdiction<br/> of incorporation) </td>
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<td style="vertical-align: top; text-align: center">(Commission File Number)</td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"> <b>(<span id="xdx_909_edei--CityAreaCode_c20240430__20240430_ztYgaLDHh1w5"><ix:nonNumeric contextRef="AsOf2024-04-30" id="Fact000021" name="dei:CityAreaCode">515</ix:nonNumeric></span>) <span id="xdx_90C_edei--LocalPhoneNumber_c20240430__20240430_zRqKCCjWuvYj"><ix:nonNumeric contextRef="AsOf2024-04-30" id="Fact000022" name="dei:LocalPhoneNumber">221-0002</ix:nonNumeric></span></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">(Registrant&#8217;s telephone
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><b>Not Applicable</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">(Former name or former address, if changed
since last report)</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">Check the appropriate box below if the
Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following
provisions:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
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to Rule 425 under the Securities Act (17 CFR 230.425)</span></td>
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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0.25in; text-align: left"><span style="font: 10pt Wingdings"><span style="font-family: Wingdings"><span id="xdx_90C_edei--SolicitingMaterial_c20240430__20240430_zAucSguNC0C9"><ix:nonNumeric contextRef="AsOf2024-04-30" format="ixt:booleanfalse" id="Fact000024" name="dei:SolicitingMaterial">&#168;</ix:nonNumeric></span></span></span></td><td style="text-align: justify"><span style="font-size: 10pt">Soliciting material pursuant
to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></td>
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<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0.25in; text-align: left"><span style="font: 10pt Wingdings"><span style="font-family: Wingdings"><span id="xdx_902_edei--PreCommencementTenderOffer_c20240430__20240430_zQRyXNe40BE2"><ix:nonNumeric contextRef="AsOf2024-04-30" format="ixt:booleanfalse" id="Fact000025" name="dei:PreCommencementTenderOffer">&#168;</ix:nonNumeric></span></span></span></td><td style="text-align: justify"><span style="font-size: 10pt">Pre-commencement communications
pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></td>
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pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Securities registered pursuant to Section&#160;12(b) of the
Act:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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<td style="border-bottom: Black 1pt solid; vertical-align: bottom; width: 58%; text-align: center">Title of each class</td>
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<td style="border-bottom: Black 1pt solid; vertical-align: bottom; width: 15%; text-align: center">Trading <br/>
Symbol(s)</td>
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<td style="border-bottom: Black 1pt solid; vertical-align: bottom; width: 25%; text-align: center">Name of each exchange on <br/>
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<td style="padding-top: 2pt; text-align: center; padding-bottom: 2pt"><span id="xdx_90C_edei--SecurityExchangeName_c20240430__20240430__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zSUPCexNQ725"><ix:nonNumeric contextRef="From2024-04-302024-04-30_us-gaap_CommonStockMember" format="ixt-sec:exchnameen" id="Fact000029" name="dei:SecurityExchangeName">New York Stock Exchange</ix:nonNumeric></span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">Indicate by check mark whether the
registrant is an emerging growth company as defined in  Rule&#160;405 of the Securities Act of 1933
(&#167;230.405 of this chapter) or Rule&#160;12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this
chapter).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>



<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Emerging growth company&#160;<span style="font-family: Wingdings"><span id="xdx_906_edei--EntityEmergingGrowthCompany_c20240430__20240430_zniJODZE9Wj6"><ix:nonNumeric contextRef="AsOf2024-04-30" format="ixt:booleanfalse" id="Fact000036" name="dei:EntityEmergingGrowthCompany">&#168;</ix:nonNumeric></span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">If an emerging growth company, indicate by check mark if the
registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
provided pursuant to Section 13(a) of the Exchange Act.&#160;<span style="font-family: Wingdings">&#168;</span></p>



<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.75pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.75pt"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.75pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.75pt"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.75pt"><b>&#160;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Introductory Note</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On May&#160;2, 2024, American Equity Investment Life Holding
Company, an Iowa corporation (the &#8220;Company&#8221;) completed the transactions contemplated by the Agreement and Plan of Merger,
dated as of July&#160;4, 2023 (the &#8220;Merger Agreement&#8221;), by and among the Company, Brookfield Reinsurance Ltd., a Bermuda exempted
company limited by shares (&#8220;Parent&#8221;), Arches Merger Sub Inc., an Iowa corporation and an indirect, wholly owned subsidiary
of Parent (&#8220;Merger Sub&#8221;) and, solely for the purposes set forth in the Merger Agreement, Brookfield Asset Management Ltd.,
a company incorporated under the laws of the Province of British Columbia (&#8220;BAM&#8221;). Pursuant to the Merger Agreement, the Company
merged with and into Merger Sub, with the Company surviving as a wholly owned subsidiary of Parent (the &#8220;Merger&#8221;).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item&#8201;2.01 Completion of Acquisition or Disposition of Assets.</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information set forth in the Introductory Note is incorporated
by reference in this Item 2.01.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">At the effective time of the Merger (the &#8220;Effective Time&#8221;),
each issued and outstanding share of common stock, par value $1.00 per share, of the Company (&#8220;Company Common Share&#8221;) (excluding
Company Common Shares held by holders exercising appraisal rights, shares owned by the Company as treasury stock, shares owned by Parent,
Merger Sub or their subsidiaries, or shares subject to Company restricted stock awards (as discussed further below)) was converted into
the right to receive (i)&#160;$38.85 per share in cash, without interest (the &#8220;Cash Consideration&#8221;) and (ii)&#160;the Stock
Consideration (as defined in the Merger Agreement; the &#8220;Stock Consideration&#8221;, together with the Cash Consideration, the &#8220;Merger
Consideration&#8221;), equal to 0.45464 fully-paid and nonassessable shares of class A limited voting shares of BAM (&#8220;BAM Class&#160;A
Stock&#8221;). The Stock Consideration was determined in accordance with the Exchange Ratio (as defined in the Merger Agreement), based
on the 10-day volume-weighted average share price of BAM Class&#160;A Stock (measured five business days prior to closing of the Merger)
(the &#8220;BAM Class&#160;A Stock Price&#8221;), such that the value of the Stock Consideration equals $17.65 and the aggregate value
of the Merger Consideration delivered for each share of AEL Common Stock equals $56.50.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In addition, at the Effective Time:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="font-family: Symbol; font-size: 10pt">&#183;</span></span></td><td>each outstanding and unexercised stock option (&#8220;Company Option&#8221;) (whether vested or unvested) was automatically canceled
and converted into the right to receive a cash payment, without interest, equal to the product, rounded to the nearest cent, of (1)&#160;the number of Company Common
Shares subject to such Company Option immediately prior to the Effective Time and (2)&#160;the excess, if any, of $55.00 over the exercise
price per share of such Company Option; provided that any Company Option with an exercise price per share that was equal to or greater
$55 was automatically canceled for no consideration;</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="font-family: Symbol; font-size: 10pt">&#183;</span></span></td><td>each outstanding Company restricted stock unit (&#8220;Company RSU&#8221;) other than certain Company RSUs granted following the date
of the Merger Agreement (&#8220;Rollover Company RSUs&#8221;) was automatically canceled and converted into the right to receive a cash
payment, without interest, equal to the product, rounded to the nearest cent, of (1)&#160;the number of Company Common Shares subject to such Company RSU immediately
prior to the Effective Time and (2)&#160;$55.00;</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="font-family: Symbol; font-size: 10pt">&#183;</span></span></td><td>each outstanding Company RSU subject to performance-based vesting conditions (&#8220;Company PSU&#8221;) was automatically canceled
and converted into the right to receive a cash payment, without interest, equal to the product, rounded to the nearest cent, of (1)&#160;the number of Company Common
Shares subject to such Company PSU immediately prior to the Effective Time (based on (A)&#160;for Company PSUs other than the Company
PSUs granted pursuant to the employee restricted stock unit award agreement, dated November&#160;29, 2022, by and between the Company
and the Chief Executive Officer of the Company (the &#8220;CEO&#8221; and such PSUs, the &#8220;VWAP PSUs&#8221;), a performance level
determined based on the greater of target and actual performance as reasonably determined by the Compensation and Talent Management Committee
of the Board of Directors (the &#8220;Board&#8221;) of the Company immediately prior to the Effective Time and (B)&#160;for VWAP PSUs,
attainment of applicable performance goals based on $55.00) and (2)&#160;$55.00;</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="font-family: Symbol; font-size: 10pt">&#183;</span></span></td><td>each outstanding award of Company Common Share subject to vesting restrictions (&#8220;Company Restricted Stock&#8221;) automatically
had any such restrictions thereon lapsed and was converted into the right to receive a cash payment, without interest, equal to the product, rounded to the nearest cent,
of (1)&#160;the number of shares of Company Restricted Stock subject to such award immediately prior to the Effective Time and (2)&#160;$55.00;
and</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.25in"/><td style="width: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="font-family: Symbol; font-size: 10pt">&#183;</span></span></td><td>any outstanding Company RSU that is a Rollover Company RSU automatically ceased to represent an award denominated in Company
                                                                                                                                                                                                               Common Share and was converted into an award of cash-settled restricted stock units denominated in shares of BAM Class&#160;A Stock
                                                                                                                                                                                                               (an &#8220;Exchanged RSU&#8221;), with the number of shares of common stock subject to each such Exchanged RSU equal to the product
                                                                                                                                                                                                               (rounded to the nearest whole number) of (1)&#160;the number of Company Common Shares subject to such Rollover Company RSU
                                                                                                                                                                                                               immediately prior to the Effective Time multiplied by (2)&#160;the quotient of (i)&#160;$55.00 divided by (ii)&#160;the BAM
                                                                                                                                                                                                               Class&#160;A Stock Price, and except as specifically provided in the Merger Agreement, following the Effective Time, each Exchanged
                                                                                                                                                                                                               RSU will continue to be governed by the same material terms and conditions (including vesting schedule and the termination
                                                                                                                                                                                                               protections established for such Company RSU) as were applicable to the Rollover Company RSU immediately prior to the Effective
                                                                                                                                                                                                               Time.</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In accordance with the Merger Agreement, the Company&#8217;s issued
and outstanding shares of Series&#160;A and Series&#160;B preferred stock, each, par value $1.00 per share (the &#8220;Company Preferred
Shares&#8221;), were unaffected by and remain outstanding following the closing of the Merger, and the depositary shares representing
one-thousandth of one share of Series&#160;A or Series&#160;B preferred stock, as applicable, continue to be listed and traded on the
New York Stock Exchange.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The foregoing description of the Merger Agreement and the transactions
contemplated thereby does not purport to be complete and is subject to, and qualified in its entirety by, the full text of the Merger
Agreement, which was filed with the U.S. Securities and Exchange Commission (&#8220;SEC&#8221;) on July&#160;5, 2023 as Exhibit&#160;2.1
to the Company&#8217;s Current Report on Form&#160;8-K, and is incorporated herein by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item&#8201;3.01 Notice of Delisting or Failure to Satisfy a Continued
Listing Rule&#160;or Standard; Transfer of Listing.</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information set forth in the Introductory Note and under Item 2.01
of this Current Report on Form&#160;8-K is incorporated by reference in this Item 3.01.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In connection with the consummation of the Merger, trading of Company
Common Shares on the New York Stock Exchange (the &#8220;NYSE&#8221;) will be suspended prior to the opening of trading on May&#160;3,
2024. The Company also requested that the NYSE file with the SEC a notification of removal from listing and registration on Form&#160;25
to effect the delisting of the Company Common Shares from the NYSE and the deregistration of such Common Shares under Section&#160;12(b)&#160;of
the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;). As a result, the Common Shares will no longer be listed
on the NYSE.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">After the Form&#160;25 becomes effective, the Company intends to file
a certification on Form&#160;15 with the SEC requesting the termination of registration of the Company Common Shares under Section&#160;12(g)&#160;of
the Exchange Act and the suspension of the Company&#8217;s reporting obligations under Sections 13 and 15(d)&#160;of the Exchange Act
with respect to the Company Common Shares.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item&#8201;3.03 Material Modifications to Rights of Security Holders.</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information set forth in the Introductory Note and under Items
2.01, 3.01, 5.01 and 5.03 of this Current Report on Form&#160;8-K is incorporated by reference into this Item 3.03.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item&#8201;5.01 Changes in Control of the Registrant.</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information set forth in the Introductory Note and under Items
2.01, 3.03 and 5.02 of this Current Report on Form&#160;8-K is incorporated by reference in this Item 5.01.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As a result of the completion of the Merger, Parent and its affiliates
acquired all of the outstanding Company Common Shares not already held by Parent or its affiliates, and the Company became an indirect,
wholly owned subsidiary of Parent. The aggregate Merger Consideration was approximately $2.46 billion in cash and 28,803,599 shares
of BAM Class&#160;A Stock. Parent funded the Cash Consideration through cash on hand at the Parent and its subsidiaries.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item&#8201;5.02 Departure of Directors or Certain Officers; Election
of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information set forth in the Introductory Note and under Item 2.01
of this Current Report on Form&#160;8-K is incorporated by reference in this Item 5.02.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Officer Changes and Arrangements</i></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In connection with the consummation of the Merger, Anant Bhalla ceased
to be an executive officer of the Company as of the Effective Time. Mr.&#160;Bhalla resigned as an employee of the Company at the Effective
Time and his resignation will be treated as a termination without Cause or for Good Reason (as each such term (or
similar term) is defined in his Change in Control Agreement and the award agreement in respect
of the Company RSUs awarded to Mr.&#160;Bhalla in February&#160;2024 (the &#8220;2024 Company RSUs Award Agreement&#8221;)). As previously disclosed, Axel Andr&#233; delivered his notice of resignation to the Company on April 8, 2024 and his resignation will
be treated as a resignation for Good Reason (as such term is defined in his Amended and Restated Change in Control Agreement).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In accordance with the terms of the Merger Agreement, on April 30,
2024, the Company entered into a separation letter agreement with Mr.&#160;Bhalla (the &#8220;CEO Separation Letter&#8221;), which acknowledges
that Mr.&#160;Bhalla is entitled to receive, upon the occurrence of the Effective Time, (1)&#160;the payments and benefits under his
Change in Control Agreement previously filed as Exhibits 10.45 to the Company&#8217;s <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1039828/000103982824000020/ael-20231231.htm" style="-sec-extract: exhibit">Annual
Report on Form&#160;10-K filed with the SEC on February&#160;29, 2024</a>, (2)&#160;cash payments in respect of Mr.&#160;Bhalla&#8217;s
Company Options, Company RSUs, Company PSUs and Company Restricted Stock in accordance with the terms of the Merger Agreement and the
2024 Company RSUs Award Agreement, (3)&#160;a Transaction Incentive (as defined and described in further detail below), (4)&#160;a tax
reimbursement payment to offset the impact of excise taxes imposed under Section&#160;4999 of the Internal Revenue Code of 1986, as amended
(the &#8220;Code&#8221;) (as described in further detail below) and (5)&#160;treatment of Mr.&#160;Bhalla&#8217;s account balances under
each of the Company&#8217;s Employee Stock Ownership Plan and Deferred Long-Term Incentive Cash Plan in accordance with the terms thereof.
The foregoing description of the CEO Separation Letter does not purport to be complete and is qualified in its entirety by the full text
of the CEO Separation Letter, a copy of which is filed as Exhibit 10.1 hereto and is incorporated herein by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Director Changes</i></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the Merger Agreement, at the Effective Time, each of David
S. Mulcahy, Anant Bhalla, Joyce A. Chapman, Brenda J. Cushing, Michael E. Hayes, Douglas T. Healy, Robert L. Howe, William R. Kunkel,
Alan D. Matula and Gerard D. Neugent, being all of the directors of the Company immediately prior to the Effective Time, resigned and
ceased to be directors of the Company. As a result of the consummation of the Merger and immediately following the Effective Time, the
directors of Merger Sub in office immediately prior to the consummation of the Merger, comprising of Sachin Shah, Jon Bayer, Anne Schaumburg
and Gregory Morrison, became the directors of the Company and will be the directors of the Company until the earlier of their death, resignation
or removal or until their respective successors are duly elected or appointed and qualified, as the case may be.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">There are no arrangements or understandings between any of Sachin Shah,
Jon Bayer, Anne Schaumburg and Gregory Morrison and any other persons pursuant to which Sachin Shah, Jon Bayer, Anne Schaumburg and Gregory
Morrison, as applicable, was selected as a director of the Company. None of Sachin Shah, Jon Bayer, Anne Schaumburg and Gregory Morrison
has any direct or indirect material interest in any transaction required to be disclosed pursuant to Item 404(a)&#160;of Regulation S-K.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>280G Tax Reimbursement Arrangements</i></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In accordance with the terms of the Merger Agreement, on
April&#160;30, 2024, the Company entered into tax reimbursement agreements (the &#8220;Tax Reimbursement Agreements&#8221;) with
certain employees of the Company, including named executive officers Anant Bhalla and Axel Andr&#233;, to provide a reimbursement
payment to each such named executive officer in respect of the excise taxes imposed under Section&#160;4999 of the Code on such
employee in relation to such employee&#8217;s change in control payments and benefits relating to the transactions contemplated by
the Merger Agreement. The tax reimbursement payment generally will place each of Messrs.&#160;Bhalla and Andr&#233; in the same
after-tax position that he would have been in had no excise tax applied. The forgoing description of the Tax Reimbursement
Agreements does not purport to be complete and is qualified in its entirety by reference to the complete text of the Form&#160;of
Tax Reimbursement Agreement, a copy of which is filed as Exhibit&#160;10.2 hereto and is incorporated herein by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Transaction Incentives</i></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In accordance with the terms of the Merger Agreement, on
April&#160;30, 2024, the Company approved grants of one-time cash awards, payable upon and contingent on the occurrence of the Closing
(each, a &#8220;Transaction Incentive&#8221;), to the following named executive officers in the corresponding amount:
(1)&#160;Mr.&#160;Bhalla ($13,040,000), (2)&#160;Mr.&#160;Andr&#233; ($175,000), (3)&#160;Jim Hamalainen ($175,000) and
(4)&#160;Jeffrey Lorenzen ($500,000), to recognize the contribution of such named executive officers to the consummation of the
Merger. Such amounts are in addition to the Transaction Incentive awards previously disclosed by the Company in its Annual Report on
Form 10-K filed with the SEC on February 29, 2024. The Transaction Incentive awarded to Mr.&#160;Bhalla included consideration in
lieu of the value attributable to Tranche D of the VWAP PSUs.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item&#8201;5.03 Amendments to Articles of Incorporation or Bylaws;
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information set forth in the Introductory Note and under Item 2.01
of this Current Report on Form&#160;8-K is incorporated by reference into this Item 5.03.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the terms of the Merger Agreement, at the Effective Time,
the articles of incorporation and bylaws of the Company were amended and restated in substantially the form of the articles of incorporation
and bylaws of Merger Sub as in effect immediately prior to the Effective Time (respectively, the &#8220;Articles of Incorporation&#8221;
and &#8220;Bylaws&#8221;). Copies of the Articles of Incorporation and Bylaws are filed as Exhibits 3.1 and 3.2, respectively, to this
Current Report on Form&#160;8-K and are incorporated herein by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item&#8201;8.01 Other Events.</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Press Release</i></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On May&#160;2, 2024, the Parent and Company issued a joint press release
announcing the consummation of the Merger. The joint press release is attached hereto as Exhibit&#160;99.1 and is incorporated herein
by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Post-Effective Merger</i></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On the date that is three business days after the Effective Time, the
Company intends to enter into an Agreement and Plan of Merger with American National Group, LLC, a Delaware limited liability company
and a wholly-owned indirect subsidiary of Parent (&#8220;ANAT&#8221;), pursuant to which, among other things, (i)&#160;ANAT will be merged
with and into the Company (the &#8220;Post-Effective Merger&#8221;), with the Company being the surviving company in the Post-Effective
Merger and (ii)&#160;the Company will become the successor issuer of ANAT&#8217;s preferred shares designated as &#8220;Preferred Stock,
Series&#160;C&#8221;. The issued and outstanding shares of Company Preferred Shares will be unaffected by the Post-Effective Merger and
will remain outstanding and continue to be listed and traded on the New York Stock Exchange.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>Reincorporation</i></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Following the Post-Effective Merger, the Company intends to (i)&#160;discontinue
its existence as an Iowa Corporation as provided under the Iowa Business Corporation Act (the &#8220;<span style="text-decoration: underline">IBCA</span>&#8221;), including Section&#160;931
of the IBCA, and (ii)&#160;pursuant to the General Corporation Law of the State of Delaware (the &#8220;DGCL&#8221;), including Section&#160;388
of the DGCL, continue its existence as a corporation incorporated in the State of Delaware (the &#8220;Reincorporation&#8221;). In connection
with the Reincorporation, the Company intends to change its name from American Equity Investment Life Holding Company to American National
Group Inc.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In connection with the Reincorporation, the Company intends to (i)&#160;file
a plan of domestication and articles of domestication with the Secretary of State of the State of Iowa, (ii)&#160;file a certificate of
conversion and a certificate of incorporation with the Secretary of State of the State of Delaware and (iii)&#160;adopt new bylaws of
the Company to govern its existence as a Delaware corporation.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The issued and outstanding shares of Company Preferred Shares will
be unaffected by the Reincorporation and will remain outstanding and continue to be listed and traded on the New York Stock Exchange.
However, in connection with the Reincorporation, the CUSIP for the Series&#160;A Preferred Stock will change to 025676800 and the CUSIP
for the Series&#160;B Preferred Stock will change to 025676883.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item 9.01 Financial Statements and Exhibits.</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(d)&#160;Exhibits</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
<td style="width: 5%">&#160;</td>
<td style="width: 11%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Exhibit&#160;No.</span></span></td>
<td style="width: 84%; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Description</span></span></td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td>&#160;</td>
<td style="text-align: justify">&#160;</td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center"><a href="https://www.sec.gov/Archives/edgar/data/1039828/000110465923077802/tm2320561d1_ex2-1.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.1</span></a></td>
<td style="text-align: justify"><a href="https://www.sec.gov/Archives/edgar/data/1039828/000110465923077802/tm2320561d1_ex2-1.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement and Plan of Merger, dated July&#160;4, 2023, by and among the Company, the Parent and Merger Sub and, solely for the purposes set forth therein, BAM* (Incorporated by reference to Exhibit&#160;2.1 to Form&#160;8-K filed July&#160;5, 2023) (*Schedules omitted pursuant to Item 601(b)(2)&#160;of Regulation S-K. The Company agrees to furnish supplementally a copy of any omitted schedule to the SEC upon request; provided, however, that the Company may request confidential treatment pursuant to Rule&#160;24b-2 of the Securities Exchange Act of 1934, as amended, for any schedules or exhibits so furnished.)</span></a></td></tr>
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<p style="margin: 0">&#160;</p>

<p style="margin: 0"></p>

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<p style="margin: 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
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<td style="text-align: justify; width: 5%">&#160;</td>
<td style="text-align: center; width: 11%"><a href="tm2413201d1_ex3-1.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</span></a></td>
<td style="width: 84%"><a href="tm2413201d1_ex3-1.htm" style="-sec-extract: exhibit">Articles of Incorporation of American Equity Investment Life Holding Company.</a></td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center">&#160;</td>
<td>&#160;</td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center"><a href="tm2413201d1_ex3-2.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.2</span></a></td>
<td><a href="tm2413201d1_ex3-2.htm" style="-sec-extract: exhibit">Fifth Amended and Restated Bylaws American Equity Investment Life Holding Company.</a></td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center">&#160;</td>
<td>&#160;</td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center"><a href="tm2413201d1_ex10-1.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.</span><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</span></a></td>
<td><a href="tm2413201d1_ex10-1.htm" style="-sec-extract: exhibit">CEO Separation Letter, dated as of April 30, 2024, by and between the Company and Anant Bhalla.</a></td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center">&#160;</td>
<td>&#160;</td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center"><a href="tm2413201d1_ex10-2.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.2</span></a></td>
<td><a href="tm2413201d1_ex10-2.htm" style="-sec-extract: exhibit">Form&#160;of Tax Reimbursement Agreement.</a></td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center">&#160;</td>
<td>&#160;</td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center"><a href="tm2413201d1_ex99-1.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.1</span></a></td>
<td><a href="tm2413201d1_ex99-1.htm" style="-sec-extract: exhibit">Joint Press Release, dated May&#160;2, 2024. &#160;</a></td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center">&#160;</td>
<td>&#160;</td></tr>
<tr style="vertical-align: top">
<td style="text-align: justify">&#160;</td>
<td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">104</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>S</b></span><b>IGNATURE</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
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    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">AMERICAN EQUITY INVESTMENT LIFE
    HOLDING COMPANY</span></td></tr>
  <tr style="vertical-align: bottom">
    <td>&#160;</td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif">&#160;</td></tr>
  <tr style="vertical-align: bottom">
    <td style="width: 50%"><span style="font-size: 10pt"><span style="font-size: 10pt">Date: May&#160;2, 2024</span></span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 3%">By:</td>
    <td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 47%">/s/ Anant Bhalla</td></tr>
  <tr style="vertical-align: bottom">
    <td><span style="font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif">Anant Bhalla</td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif">Chief Executive Officer and President</td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>

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<DESCRIPTION>EXHIBIT 3.1
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 3.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLES OF RESTATEMENT</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>OF
THE<BR>
ARTICLES OF I<FONT STYLE="text-transform: uppercase">ncorporation<BR>
</FONT></B></FONT><B>OF<BR>
AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">TO THE SECRETARY OF STATE<BR>
OF THE STATE OF IOWA:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Pursuant to Sections&nbsp;490.1006
and 490.1007 of the Iowa Business Corporation Act, the undersigned corporation, incorporated and existing under the Iowa Business Corporation
Act, hereby amends and restates its Articles of Incorporation in their entirety by adopting the following Articles of Restatement of
the Articles of Incorporation (the &ldquo;<U>Restated Articles</U>&rdquo;). The undersigned corporation hereby certifies the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-indent: 1in; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">1. The name of the corporation
is American Equity Investment Life Holding Company (&ldquo;<U>AEL</U>&rdquo;).</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.
</FONT><FONT STYLE="font-size: 10pt">The corporation has entered into a plan of merger (&ldquo;<U>Plan of Merger</U>&rdquo;) providing
for the merger of Arches Merger Sub Inc., an Iowa corporation (&ldquo;<U>Merger Sub</U>&rdquo;), into AEL, with AEL being the surviving
corporation (the &ldquo;<U>Surviving Corporation</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">3. The Plan of Merger provides
that the Articles of Incorporation of the Surviving Corporation shall be amended and restated as set forth in these Restated Articles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">4. These Restated Articles
contain amendments to the Articles of Incorporation that require approval by the shareholders of AEL and these Restated Articles have
been duly approved by the shareholders in the manner required by the Iowa Business Corporation Act and the Articles of Incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">5. These Restated Articles
were adopted by vote of the shareholders of AEL on November&nbsp;10, 2023.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">6. These Restated Articles
amend and restate the original Articles of Incorporation of AEL, together with all subsequent amendments thereto, in their entirety and
consolidate all such amendments into a single document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">7. The text of the Restated
Articles is as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>FIRST</U></FONT>:
The name of the corporation (hereinafter called the &ldquo;<U>Corporation</U>&rdquo;) is American Equity Investment Life Holding Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>SECOND</U></FONT>:
The address, including street, number, city, and county, of the registered office of the Corporation in the State of Iowa is Corporation
Service Company, 505 5th Avenue, Suite&nbsp;729, Polk County, Des Moines,&nbsp;Iowa 50309 and the name of the registered agent of the
Corporation in the State of Iowa at such address is Corporation Service Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>THIRD</U></FONT>:
The purpose of the Corporation is to engage in any lawful act or activity for which corporations may be organized under the Iowa Business
Corporation Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>FOURTH</U></FONT>:
The total number of shares that may be issued by the Corporation is 202,000,000 shares, of which 2,000,000 shares of the par value of
$1 per share shall be designated Preferred Stock, comprising of 5.95% Fixed-Rate Reset Non-Cumulative Preferred Stock, Series&nbsp;A
(&ldquo;<U>Series&nbsp;A Preferred Stock</U>&rdquo;) and 6.625% Fixed-Rate Reset Non-Cumulative Preferred Stock, Series&nbsp;B (&ldquo;<U>Series&nbsp;B
Preferred Stock</U>&rdquo;, and together with the Series&nbsp;A Preferred Stock, the &ldquo;<U>Preferred Stock</U>&rdquo;) and 200,000,000
shares of the par value of $1 per share shall be designated Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">A. <U>Common Stock</U>. Each
holder of Common Stock shall have one vote for each share of Common Stock held by such holder. Subject to the rights of the holders of
any outstanding Preferred Stock, the holders of Common Stock shall be entitled to receive dividends from the remaining surplus of the
Corporation, when and as such dividends shall be declared by the Board of Directors. Subject to the rights of the holders of any outstanding
Preferred Stock, upon the dissolution of the Corporation or upon its liquidation otherwise, or upon any distribution of its assets by
way of return of capital, the holders of Common Stock shall be entitled to receive and be paid all the remaining assets of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">B. <U>Preferred Stock</U>.
The following is (i)&nbsp;a statement of the designations, voting powers, preferences and rights and the qualifications, limitations
or restrictions of the Preferred Stock except as the designations, voting powers, preferences and rights and qualifications, limitations
or restrictions thereof of any series of Preferred Stock may be stated and expressed in a resolution or resolutions providing for the
issuance of such series pursuant to authority herein expressly vested in the Board of Directors of the Corporation; and (ii)&nbsp;a statement
of the authority referred to above expressly vested in the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">The
Preferred Stock may be issued from time to time in one or more series of any number of shares; provided that the aggregate number of
shares outstanding of all such series shall not exceed the total number of shares of Preferred Stock authorized by this Article&nbsp;FOURTH.
Each series of Preferred Stock shall be distinctively designated. Except as otherwise provided by the resolutions creating the series
of Preferred Stock, all series of Preferred Stock shall rank equally and be identical in all respects.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">Except
as otherwise provided by the resolutions creating any series of Preferred Stock, holders of such Preferred Stock shall not have any right
to vote for election of directors or on any other matter or any right to notice of any meeting of stockholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">In
the event of any complete, or substantially complete, voluntary or involuntary, liquidation, dissolution or winding up of the Corporation,
before any distribution or payment shall be made to the holders of the Common Stock, if one or more series of Preferred Stock has been
created as authorized in this Article&nbsp;FOURTH, all of the assets of the Corporation shall be paid and distributed among the shareholders
of the Corporation as provided in the resolution or resolutions creating such series.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">Neither the merger
nor consolidation of the Corporation into or with any other corporation, nor the merger of any corporation into the Corporation, nor
the sale or transfer by the Corporation of all or any part of its assets shall be deemed a liquidation, dissolution or winding up of
the Corporation for the purposes of this subsection (3).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(4)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">Authority
is hereby vested in the Board of Directors from time to time to authorize the issuance of Preferred Stock of any series and to state
and express, in the resolution or resolutions creating and providing for the issue of shares of any series, the designations, voting
powers, if any, preferences and relative participating, optional or other special rights and the qualifications, limitations and restrictions
thereof of such series to the full extent nor or hereafter permitted by the laws of the State of Iowa in respect of the matters set forth
in the following clauses (a)&nbsp;through (h), inclusive.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">(a)&nbsp;The designation
of the series and the number of shares which shall constitute such series, which number may be altered from time to time by like action
of the Board of Directors in respect of shares then unissued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">(b)&nbsp;The annual
dividend rate on the shares of that series, the conditions upon which the time or times when such dividends are payable, the preference
to, or the relation to, the payment of the dividends payable on shares of such series to the dividends payable on shares of any other
class or classes or any other series of stock, whether such dividends shall be cumulative or noncumulative and, if cumulative, the dates
from which dividends on shares of such series shall be cumulative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">(c)&nbsp;The redemption
price or prices, if any, and the time or times at which the terms and conditions upon which shares of such series shall be redeemable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">(d)&nbsp;The rights
of shares of such series upon the liquidation, dissolution or winding up of, or upon any distribution of the assets of, the Corporation
and the preference to, or the relation to, such rights of shares of such series to the rights on any other class or classes or any other
series of stock of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">(e)&nbsp;The voting
rights, if any, of such series in addition to the voting rights prescribed by law, and the terms of exercise of such voting rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">(f)&nbsp;The rights,
if any, of the holders of such shares of such series to convert such shares into, or to exchange such shares for, shares of any other
class or classes or of any other series of the same or any other class or classes of stock of the Corporation and the price or prices
or the rates of exchange and the adjustments at which such shares shall be convertible or exchangeable, and any other terms and conditions
of such conversion or exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">(g)&nbsp;The requirement
of any sinking or purchase fund or funds to be applied to the purchase or redemption of shares of such series and, if so, the amount
of such fund or funds and the manner of application.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">(h)&nbsp;Any other
preferences and relative participating, optional or other special rights of shares of such series and qualifications, limitations or
restrictions thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Exhibit&nbsp;A
</U></FONT>attached hereto sets forth the designation, authorization, and terms of the Series&nbsp;A Preferred Stock and is incorporated
herein by reference as if set forth in full.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Exhibit&nbsp;B
</U></FONT>attached hereto sets forth the designation, authorization, and terms of the Series&nbsp;B Preferred Stock and is incorporated
herein by reference as if set forth in full.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>FIFTH</U></FONT>:
In furtherance and not in limitation of the powers conferred upon it by law, the Board of Directors of the Corporation is expressly authorized
to adopt, amend or repeal the Bylaws of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>SIXTH</U></FONT>:
To the fullest extent permitted by the law of the State of Iowa as it now exists and as it may hereafter be amended, no director or officer
of the Corporation shall be personally liable to the Corporation or any of its stockholders for monetary damages for breach of fiduciary
duty as a director or officer; <U>provided</U>, <U>however</U>, that nothing contained in this Article&nbsp;SIXTH shall eliminate or
limit the liability of a director or officer (i)&nbsp;for any breach of the director&rsquo;s or officer&rsquo;s duty of loyalty to the
Corporation or its stockholders, (ii)&nbsp;for acts or omissions not in good faith or which involve intentional misconduct or a knowing
violation of law, (iii)&nbsp;pursuant to Section&nbsp;490.832 of the Iowa Business Corporation Act or (iv)&nbsp;for any transaction from
which the director or officer derived an improper personal benefit. No amendment to or repeal of this Article&nbsp;SIXTH shall apply
to or have any effect on the liability or alleged liability of any director or officer of the Corporation for or with respect to any
acts or omissions of such director or officer occurring prior to such amendment or repeal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>SEVENTH</U></FONT>:
The Corporation shall, to the fullest extent permitted by Sections 490.850 through 490.859 of the Iowa Business Corporation Act, as the
same may be amended and supplemented, indemnify any and all persons whom it shall have power to indemnify under said Section&nbsp;from
and against any and all of the expenses, liabilities, or other matters referred to in or covered by said Sections. Such indemnification
shall be mandatory and not discretionary. The indemnification provided for herein shall not be deemed exclusive of any other rights to
which those indemnified may be entitled under any Bylaw, agreement, vote of stockholders or disinterested directors or otherwise, both
as to action in his or her official capacity and as to action in another capacity while holding such office, and shall continue as to
a person who has ceased to be a director, officer, employee or agent and shall inure to the benefit of the heirs, executors and administrators
of such a person. Any repeal or modification of this Article&nbsp;SEVENTH shall not adversely affect any right to indemnification of
any persons existing at the time of such repeal or modification with respect to any matter occurring prior to such repeal or modification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">The Corporation shall to the
fullest extent permitted by the Iowa Business Corporation Act advance all costs and expenses (including without limitation, attorneys&rsquo;
fees and expenses) incurred by any director or officer within 15 days of the presentation of same to the Corporation, with respect to
any one or more actions, suits or proceedings, whether civil, criminal, administrative or investigative, so long as the Corporation receives
from the director or officer an unsecured undertaking to repay such expenses if it shall ultimately be determined that such director
or officer is not entitled to be indemnified by the Corporation under the Iowa Business Corporation Act. Such obligation to advance costs
and expenses shall be mandatory, and not discretionary, and shall include, without limitation, costs and expenses incurred in asserting
affirmative defenses, counterclaims and cross claims. Such undertaking to repay may, if first requested in writing by the applicable
director or officer, be on behalf of (rather than by) such director or officer, <U>provided</U> that in such case the Corporation shall
have the right to approve the party making such undertaking.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>EIGHT</U></FONT>:
Unless and except to the extent that the Bylaws of the Corporation shall so require, the election of directors of the Corporation need
not be by written ballot.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Signed and verified by the
undersigned officer of AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY as of this 2nd day of May, 2024.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="width: 50%">&nbsp;</TD>
  <TD STYLE="border-bottom: Black 1pt solid; width: 50%">/s/ Erik H. Askelsen</TD></TR>

<TR STYLE="vertical-align: top">
  <TD>&nbsp;</TD>
  <TD>Name: Erik H. Askelsen</TD></TR>

<TR STYLE="vertical-align: top">
  <TD>&nbsp;</TD>
  <TD>Title: General Counsel</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page&nbsp;to Restated AOI of American
Equity Investment Life Holding Company</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Exhibit&nbsp;A</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CERTIFICATE OF DESIGNATIONS</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SERIES A PREFERRED STOCK</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In accordance with Article&nbsp;FOURTH
of the Articles of Incorporation of American Equity Investment Life Holding Company (the &ldquo;<U>Corporation</U>&rdquo;), the voting
powers, designations, preferences and relative, participating, option or other special rights, and the qualifications, limitations or
restrictions of a series of preferred stock designated as &ldquo;5.95% Fixed-Rate Reset Non-Cumulative Preferred Stock, Series&nbsp;A&rdquo;
are expressed in this Certificate of Designations (the &ldquo;<U>Certificate of Designations</U>&rdquo;) as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Designation</U>.
The distinctive serial designation of such series of preferred stock is &ldquo;5.95% Fixed-Rate Reset Non-Cumulative Preferred Stock,
Series&nbsp;A&rdquo; (the &ldquo;<U>Series&nbsp;A Preferred Stock</U>&rdquo;). Each share of Series&nbsp;A Preferred Stock shall be identical
in all respects to every other share of Series&nbsp;A Preferred Stock, except as to the respective dates from which dividends thereon
shall accrue, to the extent such dates may differ as permitted pursuant to Section&nbsp;5(a)&nbsp;below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Number
of Shares</U>. The authorized number of shares of Series&nbsp;A Preferred Stock shall be 20,000. Such number may from time to time be
increased (but not in excess of the total number of authorized shares of preferred stock of the Corporation, less all shares of any other
series of preferred stock authorized at the time of such increase) or decreased (but not below the number of shares of Series&nbsp;A
Preferred Stock then outstanding) by the Board. The Corporation may at any time and from time to time, without notice to or the consent
of holders of the Series&nbsp;A Preferred Stock, issue additional shares of Series&nbsp;A Preferred Stock that shall form a single series
with the Series&nbsp;A Preferred Stock initially authorized hereby, provided that such additional shares of Series&nbsp;A Preferred Stock
are fungible for U.S. federal income tax purposes with the Series&nbsp;A Preferred Stock authorized hereby. Shares of Series&nbsp;A Preferred
Stock that are redeemed, purchased or otherwise acquired by the Corporation, or converted into another series of preferred stock, shall
be cancelled and shall revert to authorized but unissued shares of preferred stock of the Corporation undesignated as to series.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Definitions</U>.
As used herein with respect to the Series&nbsp;A Preferred Stock:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Articles
of Incorporation</U>&rdquo; shall mean the articles of incorporation of the Corporation, as the same may be amended or restated from
time to time, and shall include this Certificate of Designations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Board</U>&rdquo;
shall mean the Board of Directors of the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Business
Day</U>&rdquo; means any day other than (i)&nbsp;a Saturday or Sunday or a legal holiday or (ii)&nbsp;a day on which federal or state
banking institutions in the Borough of Manhattan, The City of New York, are authorized or obligated by law, executive order or regulation
to close.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Bylaws</U>&rdquo;
means the Fifth Amended and Restated Bylaws of the Corporation, effective as of May&nbsp;2, 2024, as the same may be amended or restated
from time to time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Calculation
Agent</U>&rdquo; means, at any time, the person or entity appointed by the Corporation and serving as such agent with respect to the
Series&nbsp;A Preferred Stock at such time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Certificate
of Designations</U>&rdquo; has the meaning specified in the preamble.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Common
Stock</U>&rdquo; means the common stock, par value $1.00 per share, of the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Dividend
Payment Date</U>&rdquo; has the meaning specified in Section&nbsp;5(a).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Dividend
Period</U>&rdquo; has the meaning specified in Section&nbsp;5(a).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Dividend
Record Date</U>&rdquo; has the meaning specified in Section&nbsp;5(a).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>DTC</U>&rdquo;
means The Depository Trust Company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Exchange
Act</U>&rdquo; means the Securities Exchange Act of 1934, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>First
Call Date</U>&rdquo; means December&nbsp;1, 2024.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>first
series</U>&rdquo; has the meaning specified in Section&nbsp;5(b).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Five-year
U.S. Treasury Rate</U>&rdquo; means, as of any Reset Dividend Determination Date, as applicable, (i)&nbsp;an interest rate (expressed
as a decimal) determined to be the per annum rate equal to the weekly average yield to maturity for U.S. Treasury securities with a maturity
of five years from the next Reset Date and trading in the public securities markets or (ii)&nbsp;if there is no such published U.S. Treasury
security with a maturity of five years from the next Reset Date and trading in the public securities markets, then the rate will be determined
by interpolation between the most recent weekly average yield to maturity for two series of U.S. Treasury securities trading in the public
securities market, (A)&nbsp;one maturing as close as possible to, but earlier than, the Reset Date following the next succeeding Reset
Dividend Determination Date, and (B)&nbsp;the other maturity as close as possible to, but later than, the Reset Date following the next
succeeding Reset Dividend Determination Date, in each case as published in the most recent H.15 (519). If the Five-year U.S. Treasury
Rate cannot be determined pursuant to the methods described in clause (i)&nbsp;or (ii)&nbsp;above, then the Five-year U.S. Treasury Rate
will be the same interest rate determined for the prior Reset Dividend Determination Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(p)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>H.15
(519)</U>&rdquo; means the weekly statistical release designated as such, or any successor publication, published by the Board of Governors
of the United States Federal Reserve System and &ldquo;<U>most recent H.15 (519)</U>&rdquo; means the H.15 (519) published closest in
time but prior to the close of business on the second Business Day prior to the applicable Reset Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(q)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Junior
Stock</U>&rdquo; means the Common Stock and any other class or series of stock of the Corporation that ranks junior to the Series&nbsp;A
Preferred Stock as to the distribution of assets upon the Corporation&rsquo;s liquidation, dissolution or winding-up.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(r)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Liquidation
Preference</U>&rdquo; has the meaning specified in Section&nbsp;6(b).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(s)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Parity
Stock</U>&rdquo; means any class or series of the Corporation&rsquo;s stock that ranks equally with the Series&nbsp;A Preferred Stock
in the distribution of assets upon the Corporation&rsquo;s liquidation, dissolution or winding-up.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(t)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>person</U>&rdquo;
means a legal person, including any individual, corporation, estate, partnership, joint venture, association, joint stock company, company,
limited liability company, trust, unincorporated association, or government or any agency or political subdivision thereof, or any other
entity of whatever nature.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(u)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Preferred
Stock</U>&rdquo; means any and all series of preferred stock, having a par value of $1.00 per share, of the Corporation, including the
Series&nbsp;A Preferred Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Preferred
Stock Directors</U>&rdquo; has the meaning specified in Section&nbsp;8(b).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(w)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Rating
Agency Event</U>&rdquo; means any nationally recognized statistical rating organization (within the meaning of Section&nbsp;3(a)(62)
of the Exchange Act), that then publishes a rating for the Corporation (a &ldquo;<U>Rating Agency</U>&rdquo;) amends, clarifies or changes
the criteria it uses to assign equity credit to securities such as the Series&nbsp;A Preferred Stock, which amendment, clarification
or change results in:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">the
shortening of the length of time the Series&nbsp;A Preferred Stock is assigned a particular level of equity credit by that Rating Agency
as compared to the length of time they would have been assigned that level of equity credit by that Rating Agency or its predecessor
on the initial issuance of the Series&nbsp;A Preferred Stock&#894; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">the
lowering of the equity credit (including up to a lesser amount) assigned to the Series&nbsp;A Preferred Stock by that Rating Agency as
compared to the equity credit assigned by that Rating Agency or its predecessor on the initial issuance of the Series&nbsp;A Preferred
Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Registrar</U>&rdquo;
means the registrar with respect to the Series&nbsp;A Preferred Stock, which shall initially be Computershare Inc., and its successors,
including any successor appointed by the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(y)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Regulatory
Capital Event</U>&rdquo; means that the Corporation becomes subject to capital adequacy supervision by a capital regulator and the capital
adequacy guidelines that apply to the Corporation as a result of being so subject set forth criteria pursuant to which the liquidation
preference amount of the Series&nbsp;A Preferred Stock would not qualify as capital under such capital adequacy guidelines, as the Corporation
may determine at any time, in its sole discretion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(z)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Reset
Date</U>&rdquo; means the First Call Date and each date falling on the fifth anniversary of the preceding Reset Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(aa)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Reset
Dividend Determination Date</U>&rdquo; means, in respect of any Reset Period, the day falling two Business Days prior to the beginning
of such Reset Period.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(bb)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Reset
Period</U>&rdquo; means the period from, and including, the First Call Date to, but excluding, the next following Reset Date and thereafter
each period from, and including, each Reset Date to, but excluding, the next following Reset Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(cc)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>second
series</U>&rdquo; shall have the meaning specified in Section&nbsp;5(b).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(dd)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">&ldquo;<U>Securities
Act</U>&rdquo; means the Securities Act of 1933, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ee)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Transfer
Agent</U>&rdquo; means the transfer agent with respect to the Series&nbsp;A Preferred Stock, which shall initially be Computershare Inc.,
and its successors, including any successor appointed by the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ff)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">&ldquo;<U>Voting
Preferred Stock</U>&rdquo; means, with regard to any matter as to which the holders of Series&nbsp;A Preferred Stock are entitled to
vote as specified in Section&nbsp;8 of this Certificate of Designations, any other class or series of preferred stock of the Corporation
ranking equally with the Series&nbsp;A Preferred Stock as to the distribution of assets upon liquidation, dissolution or winding-up of
the Corporation and upon which like voting rights have been conferred and are exercisable with respect to such matter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Ranking</U>.
With respect to the distribution of assets upon the liquidation, dissolution or winding-up of the Corporation, the Series&nbsp;A Preferred
Stock will rank in right of payment: (a)&nbsp;senior to any Junior Stock&#894; and (b)&nbsp;equally with any series of Parity Stock that
the Corporation may issue (except for any senior series that may be issued with the requisite vote or consent of the holders of at least
two-thirds of the shares of the Series&nbsp;A Preferred Stock at the time outstanding and entitled to vote) with respect to any distribution
of assets upon the Corporation&rsquo;s liquidation, dissolution or winding-up.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Dividends</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Rate</U>.
Dividends on the Series&nbsp;A Preferred Stock will not be mandatory. Holders of Series&nbsp;A Preferred Stock will be entitled to receive,
when, as and if declared by the Board (or a duly authorized committee of the Board), out of funds legally available for the payment of
dividends, under Iowa law, quarterly in arrears on the first day of March, June, September&nbsp;and December&nbsp;of each year, commencing
on March&nbsp;1, 2020 (each such date, a &ldquo;Dividend Payment Date&rdquo;), non-cumulative cash dividends that accrue for the relevant
Dividend Period as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">from
the date of original issue, to, but excluding, the First Call Date at a fixed rate per annum of 5.95% on the stated amount of $25,000
per share&#894; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">from
the First Call Date, during each Reset Period, at a rate per annum equal to the Five-year U.S. Treasury Rate as of the most recent Reset
Dividend Determination Date plus 4.322% on the stated amount of $25,000 per share.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the Corporation issues
additional shares of Series&nbsp;A Preferred Stock after the original issue date, dividends on such shares will accrue from the original
issue date if such shares are issued prior to the first Dividend Payment Date. Dividends on Series&nbsp;A Preferred Stock issued after
the first Dividend Payment Date will accrue from either the date on which such shares are issued (if such shares are issued on a Dividend
Payment Date) or the Dividend Payment Date next preceding the date such shares are issued (if such shares are not issued on a Dividend
Payment Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Dividends on the Series&nbsp;A
Preferred Stock shall not be cumulative. Accordingly, if the Board (or a duly authorized committee of the Board) does not declare a dividend
on the Series&nbsp;A Preferred Stock payable in respect of any Dividend Period before the related Dividend Payment Date, (i)&nbsp;such
dividend will not accrue, (ii)&nbsp;the Corporation will have no obligation to pay a dividend for that Dividend Period on the Dividend
Payment Date or at any future time, whether or not dividends on the Series&nbsp;A Preferred Stock are declared for any future Dividend
Period and (iii)&nbsp;no interest, or sum of money in lieu of interest, will be payable in respect of any dividend not so declared.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Dividends, if so declared,
that are payable on the Series&nbsp;A Preferred Stock on any Dividend Payment Date will be payable to holders of record of the Series&nbsp;A
Preferred Stock as they appear on the books of the Corporation on the applicable record date, which shall be the 15th calendar day before
such Dividend Payment Date or such other record date fixed by the Board (or a duly authorized committee of the Board) that is not more
than 60 nor less than 10 days prior to such Dividend Payment Date (each, a &ldquo;<U>Dividend Record Date</U>&rdquo;). Any such day that
is a Dividend Record Date shall be a Dividend Record Date whether or not such day is a Business Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each dividend period (a &ldquo;<U>Dividend
Period</U>&rdquo;) shall (i)&nbsp;commence on and include a Dividend Payment Date (other than the initial Dividend Period, which shall
commence on, and include, the original issue date of the Series&nbsp;A Preferred Stock (provided that for any share of Series&nbsp;A
Preferred Stock issued after the original issue date of the Series&nbsp;A Preferred Stock, the initial Dividend Period for such shares
may commence on and include the original issue date of the Series&nbsp;A Preferred Stock if such shares are issued prior to the first
Dividend Payment Date or otherwise will commence on and include the date on which such shares are issued (if it is a Dividend Payment
Date) or the Dividend Payment Date next preceding the date they are issued)) and (ii)&nbsp;end on, but exclude, the next Dividend Payment
Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Dividends payable on the
Series&nbsp;A Preferred Stock in respect of any Dividend Period shall be calculated on the basis of a 360-day year consisting of twelve
30-day months. If any Dividend Payment Date is a day that is not a Business Day, then the dividend with respect to that Dividend Payment
Date will instead be paid on the immediately succeeding Business Day, without interest or other payment in respect of such delayed payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The applicable dividend rate
for each Reset Period will be determined by the Calculation Agent, as of the applicable Reset Dividend Determination Date. Promptly upon
such determination, the Calculation Agent shall notify the Corporation of the dividend rate for the Reset Period. The Calculation Agent&rsquo;s
determination of any dividend rate, and its calculation of the amount of dividends for any Dividend Period beginning on or after the
First Call Date will be (i)&nbsp;on file at the Corporation&rsquo;s principal offices, (ii)&nbsp;made available to any holder of Series&nbsp;A
Preferred Stock upon request and (iii)&nbsp;final and binding in the absence of manifest error.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Holders of Series&nbsp;A
Preferred Stock shall not be entitled to any dividends, whether payable in cash, securities or other property, other than dividends (if
any) declared and payable on the Series&nbsp;A Preferred Stock as specified in this Section&nbsp;5 (subject to the other provisions of
this Certificate of Designations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>Priority
Dividends</U>. So long as any shares of Series&nbsp;A Preferred Stock remain outstanding for any Dividend Period, unless the full dividends
for the latest completed Dividend Period on all outstanding shares of Series&nbsp;A Preferred Stock have been declared and paid (or declared
and a sum sufficient for the payment thereof has been set aside), during a Dividend Period:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">no
dividend shall be declared or paid on the Common Stock or any other shares of Junior Stock or Parity Stock (except, in the case of Parity
Stock, on a <I>pro rata</I> basis with the Series&nbsp;A Preferred Stock as described below), other than:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(A)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">any
dividend paid on Junior Stock or Parity Stock in the form of stock, warrants, options or other rights where the dividend stock or the
stock issuable upon exercise of such warrants, options or other rights is the same stock as that on which the dividend is being paid
or is other Junior Stock or (solely in the case of Parity Stock) other Parity Stock&#894; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(B)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">any
dividend in connection with the implementation of a shareholders&rsquo; rights plan, or the issuance of rights, stock or other property
under such plan, or the redemption or repurchase of any rights under such plan&#894; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">no
Common Stock or other Junior Stock or Parity Stock (except, in the case of Parity Stock, on a <I>pro rata</I> basis with the Series&nbsp;A
Preferred Stock as described below) shall be purchased, redeemed or otherwise acquired for consideration by the Corporation, directly
or indirectly, other than:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(A)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">as
a result of a reclassification of Junior Stock for or into other Junior Stock or a reclassification of Parity Stock for or into other
Parity Stock, as applicable,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(B)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">the
exchange, redemption or conversion of one share of Junior Stock for or into another share of Junior Stock or the exchange, redemption
or conversion of one share of Parity stock for or into another share of Parity Stock, as applicable,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(C)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">purchases,
redemptions or other acquisitions of shares of Junior Stock or Parity Stock in connection with (x)&nbsp;any employment contract, benefit
plan or other similar arrangement with or for the benefit of one or more employees, officers, directors, consultants or independent contractors,
(y)&nbsp;a dividend reinvestment or stockholder stock purchase plan, or (z)&nbsp;the satisfaction of the Corporation&rsquo;s obligations
pursuant to any contract relating to the foregoing clauses (x)&nbsp;or (y)&nbsp;outstanding at the beginning of the applicable Dividend
Period requiring such purchase, redemption or other acquisition,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(D)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">the
purchase of fractional interests in shares of Junior Stock or Parity Stock, as the case may be, pursuant to the conversion or exchange
provisions of such securities or the security being converted or exchanged,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(E)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">through
the use of the proceeds of a substantially contemporaneous sale of Junior Stock or Parity Stock, as applicable, or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(F)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">in
the case of Parity Stock, <I>pro rata</I> purchases, offers or other acquisitions for consideration by the Corporation to purchase all,
or a <I>pro rata</I> portion of, the Series&nbsp;A Preferred Stock and such Parity Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">When dividends are not paid
(or declared and a sum sufficient for payment thereof set aside) in full on any Dividend Payment Date (or, in the case of Parity Stock
having dividend payment dates different from the Dividend Payment Dates, on a dividend payment date falling within a Dividend Period)
on the Series&nbsp;A Preferred Stock and any shares of Parity Stock, all dividends declared on the Series&nbsp;A Preferred Stock and
all such Parity Stock and payable on such Dividend Payment Date (or, in the case of Parity Stock having dividend payment dates different
from the Dividend Payment Dates, on a dividend payment date falling within the Dividend Period related to such Dividend Payment Date)
shall be declared <I>pro rata</I> so that the respective amounts of such dividends shall bear the same ratio to each other as all accrued
but unpaid dividends per share on the Series&nbsp;A Preferred Stock and all Parity Stock payable on such Dividend Payment Date (or, in
the case of Parity Stock having dividend payment dates different from the Dividend Payment Dates, on a dividend payment date falling
within the Dividend Period related to such Dividend Payment Date) bear to each other. As used in this paragraph, payment of dividends
 &ldquo;<U>in full</U>&rdquo; means, as to any Parity Stock that bears dividends on a cumulative basis, the amount of dividends that would
need to be declared and paid to bring such Parity Stock current in dividends, including undeclared dividends for past dividend periods.
To the extent a Dividend Period with respect to the Series&nbsp;A Preferred Stock or any shares of Parity Stock (in either case, the
 &ldquo;<U>first series</U>&rdquo;) coincides with more than one dividend period with respect to another series, as applicable (in either
case, a &ldquo;<U>second series</U>&rdquo;), then, for purposes of this paragraph, the Board (or a duly authorized committee of the Board)
may, to the extent permitted by the terms of each affected series, treat such dividend period for the first series as two or more consecutive
dividend periods, none of which coincides with more than one dividend period with respect to the second series, or may treat such dividend
period(s)&nbsp;with respect to any Parity Stock and Dividend Period(s)&nbsp;with respect to the Series&nbsp;A Preferred Stock for purposes
of this paragraph in any other manner that it deems to be fair and equitable in order to achieve ratable payments of dividends on such
Parity Stock and the Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the foregoing,
and not otherwise, such dividends (payable in cash, stock or otherwise) as may be determined by the Board (or a duly authorized committee
of the Board) may be declared and paid on the Common Stock or any other shares of Junior Stock from time to time out of any funds legally
available for such payment, and the Series&nbsp;A Preferred Stock shall not be entitled to participate in any such dividend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Dividends on the Series&nbsp;A
Preferred Stock will not be declared, paid or set aside for payment if the Corporation fails to comply, or if such act would cause the
Corporation to fail to comply, with applicable laws, rules&nbsp;and regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Liquidation
Rights</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Voluntary
or Involuntary Liquidation</U>. In the event of any liquidation, dissolution or winding-up of the affairs of the Corporation, whether
voluntary or involuntary, holders of Series&nbsp;A Preferred Stock and any Parity Stock shall be entitled to receive, out of the assets
of the Corporation available for distribution to stockholders of the Corporation, after satisfaction of liabilities to creditors of the
Corporation and any required distributions to holders of stock, if any, that ranks senior to the Series&nbsp;A Preferred Stock in the
distribution of assets upon liquidation, dissolution or winding-up but before any distribution of assets is made to holders of Common
Stock and any other Junior Stock, a liquidating distribution equal to the stated amount of $25,000 per share plus declared but unpaid
dividends, without accumulation of any undeclared dividends.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Holders of the Series&nbsp;A Preferred Stock
shall not be entitled to any other amounts from the Corporation after they have received their full liquidation preference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Partial
Payment</U>. If in any distribution described in Section&nbsp;6(a)&nbsp;above the assets of the Corporation are not sufficient to pay
the Liquidation Preferences (as defined below) in full to all holders of Series&nbsp;A Preferred Stock and all holders of any Parity
Stock, the amounts paid to the holders of Series&nbsp;A Preferred Stock and to the holders of all such other Parity Stock shall be paid
<I>pro rata</I> in accordance with the respective aggregate Liquidation Preferences of the holders of Series&nbsp;A Preferred Stock and
the holders of all such other Parity Stock. In any such distribution, the &ldquo;<U>Liquidation Preference</U>&rdquo; of any holder of
Series&nbsp;A Preferred Stock or Parity Stock shall mean the amount otherwise payable to such holder in such distribution (assuming no
limitation on the assets of the Corporation available for such distribution), including an amount equal to any declared but unpaid dividends
(and, in the case of any holder of stock on which dividends accrue on a cumulative basis, an amount equal to any unpaid, accrued cumulative
dividends, whether or not declared, as applicable).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Residual
Distributions</U>. If the Liquidation Preference has been paid in full to all holders of Series&nbsp;A Preferred Stock and any Parity
Stock, the holders of Junior Stock of the Corporation shall be entitled to receive all remaining assets of the Corporation (or proceeds
thereof) according to their respective rights and preferences.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Merger,
Consolidation and Sale of Assets Not Liquidation</U>. For purposes of this Section&nbsp;6, the merger or consolidation of the Corporation
with any other corporation or other entity, including a merger or consolidation in which the holders of Series&nbsp;A Preferred Stock
receive cash, securities or other property for their shares, or the sale, lease or exchange (for cash, securities or other property)
of all or substantially all of the assets of the Corporation, shall not constitute a liquidation, dissolution or winding-up of the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Redemption</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>Optional
Redemption</U>. The Series&nbsp;A Preferred Stock is perpetual and has no maturity date. The Corporation may, at its option, redeem the
shares of Series&nbsp;A Preferred Stock at the time outstanding upon notice given as provided in Section&nbsp;7(c)&nbsp;below:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">in
whole or in part, from time to time, on or after the First Call Date, at a redemption price equal to the stated amount of $25,000 per
share of Series&nbsp;A Preferred Stock, plus (except as provided below) an amount equal to any declared but unpaid dividends and the
portion of the quarterly dividend per share attributable to the then-current Dividend Period that has not been declared and paid to,
but excluding, the Redemption Date,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">in
whole, but not in part, at any time prior to the First Call Date, within 90 days after the occurrence of a Rating Agency Event, at a
redemption price equal to $25,500 per share of Series&nbsp;A Preferred Stock, <I>plus</I> (except as provided below) an amount equal
to any declared but unpaid dividends and the portion of the quarterly dividend per share of Series&nbsp;A Preferred Stock attributable
to the then-current Dividend Period that has not been declared and paid to, but excluding, the Redemption Date, or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">in
whole, but not in part, at any time prior to the First Call Date, within 90 days after the occurrence of a Regulatory Capital Event,
at a redemption price equal to the stated amount of $25,000 per share of Series&nbsp;A Preferred Stock, <I>plus</I> (except as provided
below) an amount equal to any declared but unpaid dividends and the portion of the quarterly dividend per share of Series&nbsp;A Preferred
Stock attributable to the then-current Dividend Period that has not been declared and paid to, but excluding, the Redemption Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The redemption price for
any shares of Series&nbsp;A Preferred Stock shall be payable on the Redemption Date to the holder of such shares against surrender of
the certificate(s)&nbsp;evidencing such shares to the Corporation or its agent. Any declared but unpaid dividends payable on a Redemption
Date that occurs subsequent to the Dividend Record Date for a Dividend Period shall not constitute a part of or be paid to the holder
entitled to receive the redemption price on the Redemption Date, but rather shall be paid to the holder of record of the redeemed shares
on the Dividend Record Date relating to such Dividend Payment Date as provided in Section&nbsp;5 above. Holders of the Series&nbsp;A
Preferred Stock will have no right to require the redemption or repurchase of the Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>No
Sinking Fund</U>. The Series&nbsp;A Preferred Stock will not be subject to any mandatory redemption, sinking fund, retirement fund, purchase
fund or other similar provisions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Notice
of Redemption</U>. Notice of every redemption of shares of Series&nbsp;A Preferred Stock shall be given by first-class mail, postage
prepaid, addressed to the holders of record of the shares to be redeemed at their respective last addresses appearing on the books of
the Corporation. Such mailing shall be not less than 30 days and not more than 60 days prior to the date fixed for redemption thereof.
Any notice mailed as provided in this Section&nbsp;7(c)&nbsp;shall be conclusively presumed to have been duly given, whether or not the
holder receives such notice, but failure duly to give such notice by mail, or any defect in such notice or in the mailing thereof, to
any holder of shares of Series&nbsp;A Preferred Stock designated for redemption shall not affect the validity of the proceedings for
the redemption of any other shares of Series&nbsp;A Preferred Stock. Notwithstanding the foregoing, if the Series&nbsp;A Preferred Stock
is held in book-entry form through DTC or any other similar facility, notice of redemption may be given to the holders of Series&nbsp;A
Preferred Stock at such time and in any manner permitted by such facility.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each such notice given to
a holder shall state: (i)&nbsp;the Redemption Date&#894; (ii)&nbsp;the number of shares of Series&nbsp;A Preferred Stock to be redeemed
and, if less than all the shares of Series&nbsp;A Preferred Stock held by such holder are to be redeemed, the number of shares of such
Series&nbsp;A Preferred Stock to be redeemed from such holder (if determinable at the time of such notice)&#894; (iii)&nbsp;the redemption
price&#894; (iv)&nbsp;if shares of Series&nbsp;A Preferred Stock are evidenced by definitive certificates, the place or places where
holders may surrender certificates evidencing those shares of Series&nbsp;A Preferred Stock for payment of the redemption price&#894;
and (v)&nbsp;that dividends will not accrue for any period beginning on or after the Redemption Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Partial
Redemption</U>. In case of any redemption of only part of the shares of Series&nbsp;A Preferred Stock at the time outstanding, the shares
to be redeemed shall be selected either <I>pro rata</I>, by lot or by such other method in accordance with the procedures of DTC. Subject
to the provisions hereof, the Corporation shall have full power and authority to prescribe the terms and conditions upon which shares
of Series&nbsp;A Preferred Stock shall be redeemed from time to time. If fewer than all the shares represented by any certificate are
redeemed, a new certificate shall be issued representing the unredeemed shares without charge to the holder thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Effectiveness
of Redemption</U>. If notice of redemption has been duly given and if on or before the Redemption Date specified in the notice all funds
necessary for the redemption have been set aside by the Corporation, separate and apart from its other funds, in trust for the <I>pro
rata</I> benefit of the holders of the shares called for redemption, so as to be and continue to be available therefor, then, notwithstanding
that any certificate for any share so called for redemption has not been surrendered for cancellation, on and after the Redemption Date
(i)&nbsp;dividends shall not accrue on all shares so called for redemption for any period beginning on or after the Redemption Date,
(ii)&nbsp;all shares so called for redemption shall no longer be deemed outstanding and (iii)&nbsp;all rights with respect to such shares
shall forthwith on such Redemption Date cease and terminate, except only the right of the holders thereof to receive the amount payable
on such redemption, without interest. Any funds unclaimed at the end of two years from the Redemption Date, to the extent permitted by
law, shall be released from the trust so established and may be commingled with other funds of the Corporation, and after that time the
holders of the shares so called for redemption shall look only to the Corporation for payment of the redemption price of such shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Voting
Rights</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>General</U>.
The holders of Series&nbsp;A Preferred Stock shall not have any voting rights except as set forth below or as otherwise from time to
time required by law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Right
to Elect Two Directors on Nonpayment of Dividends</U>. Whenever dividends on any shares of Series&nbsp;A Preferred Stock shall have not
been declared and paid for the equivalent of at least six Dividend Periods, whether or not for consecutive Dividend Periods (a &ldquo;<U>Nonpayment</U>&rdquo;),
the holders of such shares of Series&nbsp;A Preferred Stock, voting together as a single class with holders of any and all other series
of Voting Preferred Stock then outstanding, will be entitled to vote for the election of a total of two additional members of the Board
(the &ldquo;<U>Preferred Stock Directors</U>&rdquo;), provided that the election of any such directors shall not cause the Corporation
to violate the corporate governance requirement of the New York Stock Exchange (the &ldquo;<U>NYSE</U>&rdquo;) (or any other exchange
on which the securities of the Corporation may be listed) that listed companies must have a majority of independent directors and provided,
further, that the Board shall at no time include more than two Preferred Stock Directors. In that event, the number of directors on the
Board shall automatically increase by two, and the new directors shall be elected at a special meeting called at the request of the holders
of record of at least 20% of the Series&nbsp;A Preferred Stock or of any other series of Voting Preferred Stock (unless such request
is received less than 90 days before the date fixed for the next annual or special meeting of the stockholders, in which event such election
shall be held at such next annual or special meeting of stockholders), and at each subsequent annual meeting. These voting rights will
continue until dividends on the shares of Series&nbsp;A Preferred Stock and any such series of Voting Preferred Stock for at least four
consecutive dividend periods (or the equivalent thereof, in the case of any other series of Voting Preferred Stock) following the Nonpayment
shall have been fully paid.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If and when dividends for
at least four consecutive Dividend Periods (or the equivalent thereof, in the case of any other series of Voting Preferred Stock) following
a Nonpayment have been paid in full, the holders of the Series&nbsp;A Preferred Stock shall be divested of the foregoing voting rights
(subject to revesting in the event of each subsequent Nonpayment) and, if such voting rights for all other holders of Voting Preferred
Stock have terminated, the term of office of each Preferred Stock Director so elected shall immediately terminate and the number of directors
on the Board shall automatically decrease by two. In determining whether dividends have been paid for at least four consecutive Dividend
Periods (or the equivalent thereof, in the case of any other series of Voting Preferred Stock) following a Nonpayment, the Corporation
may take account of any dividend the Corporation elects to pay for such a Dividend Period after the regular Dividend Payment Date for
that period has passed. Any Preferred Stock Director may be removed at any time without cause by the holders of record of a majority
of the outstanding shares of Series&nbsp;A Preferred Stock and any other shares of Voting Preferred Stock then outstanding (voting together
as a class) when they have the voting rights described above. So long as a Nonpayment shall continue, any vacancy in the office of a
Preferred Stock Director (other than prior to the initial election after a Nonpayment) may be filled by the written consent of the Preferred
Stock Director remaining in office, or if none remains in office, by a vote of the holders of record of a majority of the outstanding
Series&nbsp;A Preferred Stock and any other shares of Voting Preferred Stock then outstanding (voting together as a class<B>) </B>when
they have the voting rights described above, provided that the filling of any such vacancy shall not cause the Corporation to violate
the corporate governance requirement of the NYSE (or any other exchange on which the securities of the Corporation may be listed) that
listed companies must have a majority of independent directors. Any such vote to remove, or to fill a vacancy in the office of, a Preferred
Stock Director may be taken only at a special meeting called at the request of the holders of record of at least 20% of the Series&nbsp;A
Preferred Stock or of any other series of Voting Preferred Stock (unless such request is received less than 90 days before the date fixed
for the next annual or special meeting of the stockholders, in which event such election shall be held at such next annual or special
meeting of stockholders). The Preferred Stock Directors shall each be entitled to one vote per director on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Other
Voting Rights</U>. So long as any shares of Series&nbsp;A Preferred Stock are outstanding, in addition to any other vote or consent of
stockholders required by law or by the Articles of Incorporation, the affirmative vote or consent of the holders of at least 66 2/3 %
of the shares of Series&nbsp;A Preferred Stock, voting separately as a class, given in person or by proxy, either in writing without
a meeting or by vote at any meeting called for the purpose, shall be necessary for effecting or validating:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Authorization
of Senior Stock</U>. Any amendment or alteration of the Articles of Incorporation to authorize or increase the authorized amount of,
or issue any shares of any class or series or any obligation or securities convertible into shares of any class or series of the Corporation&rsquo;s
capital stock ranking senior to the Series&nbsp;A Preferred Stock in the distribution of assets on any liquidation, dissolution or winding-up
of the Corporation&#894;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>Amendment
of Articles of Incorporation, Bylaws or Certificate of Designations</U>. Any amendment, alteration or repeal of any provision of the
Articles of Incorporation (including this Certificate of Designations) or the Bylaws that would alter or change the voting powers, preferences,
privileges or special rights of the Series&nbsp;A Preferred Stock so as to affect them adversely&#894; provided, however, that the amendment
of the Articles of Incorporation so as to increase the amount of authorized or issued Series&nbsp;A Preferred Stock or authorized Common
Stock or Preferred Stock, or so as to authorize or create, or to increase the authorized or issued amount of, any class or series of
stock that does not rank senior to the Series&nbsp;A Preferred Stock in the distribution of assets on any liquidation, dissolution or
winding-up of the Corporation shall not be deemed to affect adversely the voting powers, preferences, privileges or special rights of
the Series&nbsp;A Preferred Stock&#894; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Share
Exchanges, Reclassifications, Mergers and Consolidations and Other Transactions</U>. Any consummation of (A)&nbsp;a binding share exchange
or reclassification involving the Series&nbsp;A Preferred Stock, (B)&nbsp;a merger or consolidation of the Corporation with another entity
(whether or not a corporation) or (C)&nbsp;a conversion, transfer, domestication or continuance of the Corporation into another entity
or an entity organized under the laws of another jurisdiction, unless, in each case, (x)&nbsp;the shares of Series&nbsp;A Preferred Stock
remain outstanding or, in the case of any such merger or consolidation with respect to which the Corporation is not the surviving or
resulting entity, or any such conversion, transfer, domestication or continuance, the shares of Series&nbsp;A Preferred Stock are converted
into or exchanged for preference securities of the surviving or resulting entity or its ultimate parent, and (y)&nbsp;such shares remaining
outstanding or such preference securities, as the case may be, have such rights, preferences, privileges and voting powers, and limitations
and restrictions thereof, taken as a whole, as are not materially less favorable to the holders thereof than the rights, preferences,
privileges and voting powers, and restrictions and limitations thereof, of the Series&nbsp;A Preferred Stock immediately prior to such
consummation, taken as a whole.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If an amendment, alteration,
repeal, share exchange, reclassification, merger or consolidation, or conversion, transfer, domestication or continuance described above
would materially and adversely affect one or more but not all series of Voting Preferred Stock (including the Series&nbsp;A Preferred
Stock for this purpose), then only the series materially and adversely affected and entitled to vote shall vote to the exclusion of all
other series of Preferred Stock. If all series of Preferred Stock are not equally affected by the proposed amendment, alteration, repeal,
share exchange, reclassification, merger or consolidation, or conversion, transfer, domestication or continuance, described above, there
shall be required a two-thirds approval of each series that will have a diminished status.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>Changes
for Clarification</U>. To the fullest extent permitted by law, without the consent of the holders of Series&nbsp;A Preferred Stock, so
long as such action does not adversely affect the rights, preferences, privileges and voting powers of the Series&nbsp;A Preferred Stock,
the Corporation may supplement any terms of the Series&nbsp;A Preferred Stock:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">to cure any ambiguity, or to cure, correct
                                            or supplement any provision contained in this Certificate of Designations that may be defective
                                            or inconsistent&#894; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">to make any provision with respect to
                                            matters or questions arising with respect to the Series&nbsp;A Preferred Stock that is not
                                            inconsistent with the provisions of this Certificate of Designations.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Changes
After Provisions for Redemption</U>. No vote or consent of the holders of Series&nbsp;A Preferred Stock shall be required pursuant to
Sections 8(b)&nbsp;and (c)&nbsp;above if, at or prior to the time when any such vote or consent would otherwise be required pursuant
to Sections 8(b)&nbsp;and (c), all outstanding shares of Series&nbsp;A Preferred Stock shall have been redeemed, or shall have been called
for redemption upon proper notice and sufficient funds shall have been set aside for such redemption, in each case pursuant to Section&nbsp;7
above, unless in the case of a vote or consent required to authorize stock ranking senior to the Series&nbsp;A Preferred Stock in the
distribution of assets on any liquidation, dissolution or winding-up of the Corporation, if all outstanding shares of Series&nbsp;A Preferred
Stock are being redeemed with the proceeds from the sale of such stock to be authorized.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Procedures
for Voting and Consents</U>. The rules&nbsp;and procedures for calling and conducting any meeting of the holders of Series&nbsp;A Preferred
Stock (including, without limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies at such
a meeting, the obtaining of written consents and any other aspect or matter with regard to such a meeting or such consents shall be governed
by any rules&nbsp;the Board (or a duly authorized committee of the Board), in its discretion, may adopt from time to time, which rules&nbsp;and
procedures shall conform to the requirements of the Articles of Incorporation, the Bylaws, applicable law and any national securities
exchange or other trading facility on which the Series&nbsp;A Preferred Stock is listed or traded at the time. Whether a plurality, majority
or other portion of the Series&nbsp;A Preferred Stock and any Voting Preferred Stock has been voted in favor of any matter shall be determined
by the Corporation by reference to the respective stated amounts of the shares of the Series&nbsp;A Preferred Stock and Voting Preferred
Stock voted or covered by the consent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Record
Holders</U>. To the fullest extent permitted by applicable law, the Corporation and the Transfer Agent for the Series&nbsp;A Preferred
Stock may deem and treat the record holder of any share of Series&nbsp;A Preferred Stock as the true and lawful owner thereof for all
purposes, and neither the Corporation nor such Transfer Agent shall be affected by any notice to the contrary.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Notices</U>.
All notices or communications in respect of Series&nbsp;A Preferred Stock shall be sufficiently given if given in writing and delivered
in person or by first-class mail, postage prepaid, or if given in such other manner as may be permitted in this Certificate of Designations,
in the Articles of Incorporation, in the Bylaws or by applicable law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Conversion Rights</U>. The Series&nbsp;A Preferred Stock shall not be convertible into, or exchangeable for, shares of Common Stock or
any other class or series of stock or other securities of the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Preemptive Rights</U>. No share of Series&nbsp;A Preferred Stock shall have any rights of preemption whatsoever as to any securities
of the Corporation, or any warrants, rights or options issued or granted with respect thereto, regardless of how such securities, or
such warrants, rights or options, may be designated, issued or granted.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Other
Rights</U>. The shares of Series&nbsp;A Preferred Stock shall not have any voting powers, preferences or relative, participating, optional
or other special rights, or qualifications, limitations or restrictions thereof, other than as set forth herein or in the Articles of
Incorporation or as provided by applicable law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Certificates</U>.
The Corporation may, at its option, issue shares of Series&nbsp;A Preferred Stock without certificates. As long as DTC or its nominee
is the registered owner of the Series&nbsp;A Preferred Stock, DTC or its nominee, as the case may be, will be considered the sole owner
and holder of all shares of Series&nbsp;A Preferred Stock for all purposes under the instruments governing the rights and obligations
of holders of shares of Series&nbsp;A Preferred Stock. If DTC discontinues providing its services as securities depositary with respect
to the shares of Series&nbsp;A Preferred Stock, or if DTC ceases to be registered as a clearing agency under the Exchange Act, in the
event that a successor securities depositary is not obtained within 90 days, the Corporation will either print and deliver certificates
for the shares of Series&nbsp;A Preferred Stock or provide for the direct registration of the Series&nbsp;A Preferred Stock with the
Transfer Agent. If the Corporation decides to discontinue the use of the system of book-entry- only transfers through DTC (or a successor
securities depositary), certificates for the shares of Series&nbsp;A Preferred Stock will be printed and delivered to DTC or the Corporation
will provide for the direct registration of the Series&nbsp;A Preferred Stock with the Transfer Agent. Except in the limited circumstances
referred to above, owners of beneficial interests in the Series&nbsp;A Preferred Stock:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">will
not be entitled to have such Series&nbsp;A Preferred Stock registered in their names&#894;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">will
not receive or be entitled to receive physical delivery of securities certificates in exchange for beneficial interests in the Series&nbsp;A
Preferred Stock&#894; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">will
not be considered to be owners or holders of the shares of Series&nbsp;A Preferred Stock for any purpose under the instruments governing
the rights and obligations of holders of shares of Series&nbsp;A Preferred Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Exhibit&nbsp;B</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CERTIFICATE OF DESIGNATIONS<BR>
OF</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SERIES B PREFERRED STOCK</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF<BR>
AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In accordance with Article&nbsp;FOURTH
of the Articles of Incorporation of American Equity Investment Life Holding Company (the &ldquo;<U>Corporation</U>&rdquo;), the voting
powers, designations, preferences and relative, participating, option or other special rights, and the qualifications, limitations or
restrictions of a series of preferred stock designated as &ldquo;6.625% Fixed-Rate Reset Non-Cumulative Preferred Stock, Series&nbsp;B&rdquo;
are expressed in this Certificate of Designations (the &ldquo;<U>Certificate of Designations</U>&rdquo;) as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Designation</U>.
The distinctive serial designation of such series of preferred stock is &ldquo;6.625% Fixed-Rate Reset Non-Cumulative Preferred Stock,
Series&nbsp;B&rdquo; (the &ldquo;<U>Series&nbsp;B Preferred Stock</U>&rdquo;). Each share of Series&nbsp;B Preferred Stock shall be identical
in all respects to every other share of Series&nbsp;B Preferred Stock, except as to the respective dates from which dividends thereon
shall accrue, to the extent such dates may differ as permitted pursuant to Section&nbsp;5(a)&nbsp;below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Number
of Shares</U>. The authorized number of shares of Series&nbsp;B Preferred Stock shall be 12,000. Such number may from time to time be
increased (but not in excess of the total number of authorized shares of preferred stock of the Corporation, less all shares of any other
series of preferred stock authorized at the time of such increase) or decreased (but not below the number of shares of Series&nbsp;B
Preferred Stock then outstanding) by the Board. The Corporation may at any time and from time to time, without notice to or the consent
of holders of the Series&nbsp;B Preferred Stock, issue additional shares of Series&nbsp;B Preferred Stock that shall form a single series
with the Series&nbsp;B Preferred Stock initially authorized hereby, provided that such additional shares of Series&nbsp;B Preferred Stock
are fungible for U.S. federal income tax purposes with the Series&nbsp;B Preferred Stock authorized hereby. Shares of Series&nbsp;B Preferred
Stock that are redeemed, purchased or otherwise acquired by the Corporation, or converted into another series of preferred stock, shall
be cancelled and shall revert to authorized but unissued shares of preferred stock of the Corporation undesignated as to series.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Definitions</U>.
As used herein with respect to the Series&nbsp;B Preferred Stock:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Articles
of Incorporation</U>&rdquo; shall mean the articles of incorporation of the Corporation, as the same may be amended or restated from
time to time, and shall include this Certificate of Designations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Board
of Directors</U>&rdquo; shall mean the Board of Directors of the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Business
Day</U>&rdquo; means any day other than (i)&nbsp;a Saturday or Sunday or a legal holiday or (ii)&nbsp;a day on which federal or state
banking institutions in the Borough of Manhattan, The City of New York, are authorized or obligated by law, executive order or regulation
to close.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Bylaws</U>&rdquo;
means the Fifth Amended and Restated Bylaws of the Corporation, effective as of May&nbsp;2, 2024, as the same may be amended or restated
from time to time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Calculation
Agent</U>&rdquo; means, at any time, the person or entity appointed by the Corporation and serving as such agent with respect to the
Series&nbsp;B Preferred Stock at such time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Certificate
of Designations</U>&rdquo; has the meaning specified in the preamble.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Common
Stock</U>&rdquo; means the common stock, par value $1.00 per share, of the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Dividend
Payment Date</U>&rdquo; has the meaning specified in Section&nbsp;5(a).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Dividend
Period</U>&rdquo; has the meaning specified in Section&nbsp;5(a).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(j)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Dividend
Record Date</U>&rdquo; has the meaning specified in Section&nbsp;5(a).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(k)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>DTC</U>&rdquo;
means The Depository Trust Company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(l)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Exchange
Act</U>&rdquo; means the Securities Exchange Act of 1934, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(m)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>First
Call Date</U>&rdquo; means September&nbsp;1, 2025.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(n)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>first
series</U>&rdquo; has the meaning specified in Section&nbsp;5(b).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(o)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Five-year
U.S. Treasury Rate</U>&rdquo; means, as of any Reset Dividend Determination Date, as applicable, (i)&nbsp;an interest rate (expressed
as a decimal) determined to be the per annum rate equal to the weekly average yield to maturity for U.S. Treasury securities with a maturity
of five years from the next Reset Date and trading in the public securities markets or (ii)&nbsp;if there is no such published U.S. Treasury
security with a maturity of five years from the next Reset Date and trading in the public securities markets, then the rate will be determined
by interpolation between the most recent weekly average yield to maturity for two series of U.S. Treasury securities trading in the public
securities market, (A)&nbsp;one maturing as close as possible to, but earlier than, the Reset Date following the next succeeding Reset
Dividend Determination Date, and (B)&nbsp;the other maturity as close as possible to, but later than, the Reset Date following the next
succeeding Reset Dividend Determination Date, in each case as published in the most recent H.15. If the Five-year U.S. Treasury Rate
cannot be determined pursuant to the methods described in clause (i)&nbsp;or (ii)&nbsp;above, then the Five-year U.S. Treasury Rate will
be the same interest rate determined for the prior Reset Dividend Determination Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(p)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>H.15</U>&rdquo;
means the weekly statistical release designated as such, or any successor publication, published by the Board of Governors of the United
States Federal Reserve System and &ldquo;<U>most recent H.15</U>&rdquo; means the H.15 published closest in time but prior to the close
of business on the second Business Day prior to the applicable Reset Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(q)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Junior
Stock</U>&rdquo; means the Common Stock and any other class or series of stock of the Corporation that ranks junior to the Series&nbsp;B
Preferred Stock as to the distribution of assets upon the Corporation&rsquo;s liquidation, dissolution or winding-up.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(r)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Liquidation
Preference</U>&rdquo; has the meaning specified in Section&nbsp;6(b).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(s)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Parity
Stock</U>&rdquo; means the Series&nbsp;A Preferred Stock and any other class or series of the Corporation&rsquo;s stock that ranks equally
with the Series&nbsp;B Preferred Stock in the distribution of assets upon the Corporation&rsquo;s liquidation, dissolution or winding-up.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(t)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>person</U>&rdquo;
means a legal person, including any individual, corporation, estate, partnership, joint venture, association, joint stock company, company,
limited liability company, trust, unincorporated association, or government or any agency or political subdivision thereof, or any other
entity of whatever nature.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(u)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Preferred
Stock</U>&rdquo; means any and all series of preferred stock, having a par value of $1.00 per share, of the Corporation, including the
Series&nbsp;B Preferred Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(v)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Preferred
Stock Directors</U>&rdquo; has the meaning specified in Section&nbsp;8(b).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(w)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Rating
Agency Event</U>&rdquo; means any nationally recognized statistical rating organization (within the meaning of Section&nbsp;3(a)(62)
of the Exchange Act), that then publishes a rating for the Corporation (a &ldquo;<U>Rating Agency</U>&rdquo;) amends, clarifies or changes
the criteria it uses to assign equity credit to securities such as the Series&nbsp;B Preferred Stock, which amendment, clarification
or change results in:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">the
shortening of the length of time the Series&nbsp;B Preferred Stock is assigned a particular level of equity credit by that Rating Agency
as compared to the length of time they would have been assigned that level of equity credit by that Rating Agency or its predecessor
on the initial issuance of the Series&nbsp;B Preferred Stock&#894; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">the
lowering of the equity credit (including up to a lesser amount) assigned to the Series&nbsp;B Preferred Stock by that Rating Agency as
compared to the equity credit assigned by that Rating Agency or its predecessor on the initial issuance of the Series&nbsp;B Preferred
Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(x)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Registrar</U>&rdquo;
means the registrar with respect to the Series&nbsp;B Preferred Stock, which shall initially be Computershare Trust Company, N.A., and
its successors, including any successor appointed by the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(y)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Regulatory
Capital Event</U>&rdquo; means that the Corporation becomes subject to capital adequacy supervision by a capital regulator and the capital
adequacy guidelines that apply to the Corporation as a result of being so subject set forth criteria pursuant to which the liquidation
preference amount of the Series&nbsp;B Preferred Stock would not qualify as capital under such capital adequacy guidelines, as the Corporation
may determine at any time, in its sole discretion.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(z)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Reset
Date</U>&rdquo; means the First Call Date and each date falling on the fifth anniversary of the preceding Reset Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(aa)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Reset
Dividend Determination Date</U>&rdquo; means, in respect of any Reset Period, the day falling two Business Days prior to the beginning
of such Reset Period.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(bb)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">&ldquo;<U>Reset
Period</U>&rdquo; means the period from, and including, the First Call Date to, but excluding, the next following Reset Date and thereafter
each period from, and including, each Reset Date to, but excluding, the next following Reset Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(cc)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>second
series</U>&rdquo; shall have the meaning specified in Section&nbsp;5(b).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(dd)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">&ldquo;<U>Securities
Act</U>&rdquo; means the Securities Act of 1933, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ee)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">&ldquo;<U>Series&nbsp;A
Preferred Stock</U>&rdquo; means the Corporation&rsquo;s 5.95% Fixed-Rate Reset Non-Cumulative Preferred Stock, Series&nbsp;A.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ff)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">&ldquo;<U>Transfer
Agent</U>&rdquo; means the transfer agent with respect to the Series&nbsp;B Preferred Stock, which shall initially be Computershare Trust
Company, N.A., and its successors, including any successor appointed by the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(gg)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">&ldquo;<U>Voting
Preferred Stock</U>&rdquo; means, with regard to any matter as to which the holders of Series&nbsp;B Preferred Stock are entitled to
vote as specified in Section&nbsp;8 of this Certificate of Designations, any other class or series of preferred stock of the Corporation
ranking equally with the Series&nbsp;B Preferred Stock as to the distribution of assets upon liquidation, dissolution or winding-up of
the Corporation and upon which like voting rights have been conferred and are exercisable with respect to such matter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Ranking</U>.
With respect to the distribution of assets upon the liquidation, dissolution or winding-up of the Corporation, the Series&nbsp;B Preferred
Stock will rank in right of payment: (a)&nbsp;senior to any Junior Stock&#894; and (b)&nbsp;equally with the Series&nbsp;A Preferred
Stock and each other series of Parity Stock that the Corporation may issue (except for any senior series that may be issued with the
requisite vote or consent of the holders of at least two-thirds of the shares of the Series&nbsp;B Preferred Stock at the time outstanding
and entitled to vote) with respect to any distribution of assets upon the Corporation&rsquo;s liquidation, dissolution or winding-up.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Dividends</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Rate</U>.
Dividends on the Series&nbsp;B Preferred Stock will not be mandatory. Holders of Series&nbsp;B Preferred Stock will be entitled to receive,
when, as and if declared by the Board (or a duly authorized committee of the Board), out of funds legally available for the payment of
dividends, under Iowa law, quarterly in arrears on the first day of March, June, September&nbsp;and December&nbsp;of each year, commencing
on December&nbsp;1, 2020 (each such date, a &ldquo;Dividend Payment Date&rdquo;), non-cumulative cash dividends that accrue for the relevant
Dividend Period as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">from
the date of original issue, to, but excluding, the First Call Date at a fixed rate per annum of 6.625% on the stated amount of $25,000
per share&#894; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">from
the First Call Date, during each Reset Period, at a rate per annum equal to the Five-year U.S. Treasury Rate as of the most recent Reset
Dividend Determination Date plus 6.297% on the stated amount of $25,000 per share.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the Corporation issues
additional shares of Series&nbsp;B Preferred Stock after the original issue date, dividends on such shares will accrue from the original
issue date if such shares are issued prior to the first Dividend Payment Date. Dividends on Series&nbsp;B Preferred Stock issued after
the first Dividend Payment Date will accrue from either the date on which such shares are issued (if such shares are issued on a Dividend
Payment Date) or the Dividend Payment Date next preceding the date such shares are issued (if such shares are not issued on a Dividend
Payment Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Dividends on the Series&nbsp;B
Preferred Stock shall not be cumulative. Accordingly, if the Board (or a duly authorized committee of the Board) does not declare a dividend
on the Series&nbsp;B Preferred Stock payable in respect of any Dividend Period before the related Dividend Payment Date, (i)&nbsp;such
dividend will not accrue, (ii)&nbsp;the Corporation will have no obligation to pay a dividend for that Dividend Period on the Dividend
Payment Date or at any future time, whether or not dividends on the Series&nbsp;B Preferred Stock are declared for any future Dividend
Period and (iii)&nbsp;no interest, or sum of money in lieu of interest, will be payable in respect of any dividend not so declared.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Dividends, if so declared,
that are payable on the Series&nbsp;B Preferred Stock on any Dividend Payment Date will be payable to holders of record of the Series&nbsp;B
Preferred Stock as they appear on the books of the Corporation on the applicable record date, which shall be the 15th calendar day before
such Dividend Payment Date or such other record date fixed by the Board (or a duly authorized committee of the Board) that is not more
than 60 nor less than 10 days prior to such Dividend Payment Date (each, a &ldquo;<U>Dividend Record Date</U>&rdquo;). Any such day that
is a Dividend Record Date shall be a Dividend Record Date whether or not such day is a Business Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each dividend period (a &ldquo;<U>Dividend
Period</U>&rdquo;) shall (i)&nbsp;commence on and include a Dividend Payment Date (other than the initial Dividend Period, which shall
commence on, and include, the original issue date of the Series&nbsp;B Preferred Stock (provided that for any share of Series&nbsp;B
Preferred Stock issued after the original issue date of the Series&nbsp;B Preferred Stock, the initial Dividend Period for such shares
may commence on and include the original issue date of the Series&nbsp;B Preferred Stock if such shares are issued prior to the first
Dividend Payment Date or otherwise will commence on and include the date on which such shares are issued (if it is a Dividend Payment
Date) or the Dividend Payment Date next preceding the date they are issued)) and (ii)&nbsp;end on, but exclude, the next Dividend Payment
Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Dividends payable on the
Series&nbsp;B Preferred Stock in respect of any Dividend Period shall be calculated on the basis of a 360-day year consisting of twelve
30-day months. If any Dividend Payment Date is a day that is not a Business Day, then the dividend with respect to that Dividend Payment
Date will instead be paid on the immediately succeeding Business Day, without interest or other payment in respect of such delayed payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The applicable dividend rate
for each Reset Period will be determined by the Calculation Agent, as of the applicable Reset Dividend Determination Date. Promptly upon
such determination, the Calculation Agent shall notify the Corporation of the dividend rate for the Reset Period. The Calculation Agent&rsquo;s
determination of any dividend rate, and its calculation of the amount of dividends for any Dividend Period beginning on or after the
First Call Date will be (i)&nbsp;on file at the Corporation&rsquo;s principal offices, (ii)&nbsp;made available to any holder of Series&nbsp;B
Preferred Stock upon request and (iii)&nbsp;final and binding in the absence of manifest error.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Holders of Series&nbsp;B
Preferred Stock shall not be entitled to any dividends, whether payable in cash, securities or other property, other than dividends (if
any) declared and payable on the Series&nbsp;B Preferred Stock as specified in this Section&nbsp;5 (subject to the other provisions of
this Certificate of Designations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>Priority
Dividends</U>. So long as any shares of Series&nbsp;B Preferred Stock remain outstanding for any Dividend Period, unless the full dividends
for the latest completed Dividend Period on all outstanding shares of Series&nbsp;B Preferred Stock have been declared and paid (or declared
and a sum sufficient for the payment thereof has been set aside), during a Dividend Period:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">no
dividend shall be declared or paid on the Common Stock or any other shares of Junior Stock or Parity Stock (except, in the case of Parity
Stock, on a <I>pro rata</I> basis with the Series&nbsp;B Preferred Stock as described below), other than:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(A)</TD><TD STYLE="text-align: justify">any dividend paid on Junior Stock or Parity
                                            Stock in the form of stock, warrants, options or other rights where the dividend stock or
                                            the stock issuable upon exercise of such warrants, options or other rights is the same stock
                                            as that on which the dividend is being paid or is other Junior Stock or (solely in the case
                                            of Parity Stock) other Parity Stock&#894; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(B)</TD><TD STYLE="text-align: justify">any dividend in connection with the implementation
                                            of a shareholders&rsquo; rights plan, or the issuance of rights, stock or other property
                                            under such plan, or the redemption or repurchase of any rights under such plan&#894; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">no
Common Stock or other Junior Stock or Parity Stock (except, in the case of Parity Stock, on a <I>pro rata</I> basis with the Series&nbsp;B
Preferred Stock as described below) shall be purchased, redeemed or otherwise acquired for consideration by the Corporation, directly
or indirectly, other than:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(A)</TD><TD STYLE="text-align: justify">as a result of a reclassification of Junior
                                            Stock for or into other Junior Stock or a reclassification of Parity Stock for or into other
                                            Parity Stock, as applicable,</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(B)</TD><TD STYLE="text-align: justify">the exchange, redemption or conversion of
                                            one share of Junior Stock for or into another share of Junior Stock or the exchange, redemption
                                            or conversion of one share of Parity stock for or into another share of Parity Stock, as
                                            applicable,</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(C)</TD><TD STYLE="text-align: justify">purchases, redemptions or other acquisitions
                                            of shares of Junior Stock or Parity Stock in connection with (x)&nbsp;any employment contract,
                                            benefit plan or other similar arrangement with or for the benefit of one or more employees,
                                            officers, directors, consultants or independent contractors, (y)&nbsp;a dividend reinvestment
                                            or shareholder stock purchase plan, or (z)&nbsp;the satisfaction of the Corporation&rsquo;s
                                            obligations pursuant to any contract relating to the foregoing clauses (x)&nbsp;or (y)&nbsp;outstanding
                                            at the beginning of the applicable Dividend Period requiring such purchase, redemption or
                                            other acquisition,</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(D)</TD><TD STYLE="text-align: justify">the purchase of fractional interests in
                                            shares of Junior Stock or Parity Stock, as the case may be, pursuant to the conversion or
                                            exchange provisions of such securities or the security being converted or exchanged,</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(E)</TD><TD STYLE="text-align: justify">through the use of the proceeds of a substantially
                                            contemporaneous sale of Junior Stock or Parity Stock, as applicable, or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(F)</TD><TD STYLE="text-align: justify">in the case of Parity Stock, <I>pro rata
                                            </I>purchases, offers or other acquisitions for consideration by the Corporation to purchase
                                            all, or a <I>pro rata</I> portion of, the Series&nbsp;B Preferred Stock and such Parity Stock.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">When dividends are not paid
(or declared and a sum sufficient for payment thereof set aside) in full on any Dividend Payment Date (or, in the case of Parity Stock
having dividend payment dates different from the Dividend Payment Dates, on a dividend payment date falling within a Dividend Period)
on the Series&nbsp;B Preferred Stock and any shares of Parity Stock, all dividends declared on the Series&nbsp;B Preferred Stock and
all such Parity Stock and payable on such Dividend Payment Date (or, in the case of Parity Stock having dividend payment dates different
from the Dividend Payment Dates, on a dividend payment date falling within the Dividend Period related to such Dividend Payment Date)
shall be declared <I>pro rata</I> so that the respective amounts of such dividends shall bear the same ratio to each other as all accrued
but unpaid dividends per share on the Series&nbsp;B Preferred Stock and all Parity Stock payable on such Dividend Payment Date (or, in
the case of Parity Stock having dividend payment dates different from the Dividend Payment Dates, on a dividend payment date falling
within the Dividend Period related to such Dividend Payment Date) bear to each other. As used in this paragraph, payment of dividends
 &ldquo;<U>in full</U>&rdquo; means, as to any Parity Stock that bears dividends on a cumulative basis, the amount of dividends that would
need to be declared and paid to bring such Parity Stock current in dividends, including undeclared dividends for past dividend periods.
To the extent a Dividend Period with respect to the Series&nbsp;B Preferred Stock or any shares of Parity Stock (in either case, the
 &ldquo;<U>first series</U>&rdquo;) coincides with more than one dividend period with respect to another series, as applicable (in either
case, a &ldquo;<U>second series</U>&rdquo;), then, for purposes of this paragraph, the Board (or a duly authorized committee of the Board)
may, to the extent permitted by the terms of each affected series, treat such dividend period for the first series as two or more consecutive
dividend periods, none of which coincides with more than one dividend period with respect to the second series, or may treat such dividend
period(s)&nbsp;with respect to any Parity Stock and Dividend Period(s)&nbsp;with respect to the Series&nbsp;B Preferred Stock for purposes
of this paragraph in any other manner that it deems to be fair and equitable in order to achieve ratable payments of dividends on such
Parity Stock and the Series&nbsp;B Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the foregoing,
and not otherwise, such dividends (payable in cash, stock or otherwise) as may be determined by the Board (or a duly authorized committee
of the Board) may be declared and paid on the Common Stock or any other shares of Junior Stock from time to time out of any funds legally
available for such payment, and the Series&nbsp;B Preferred Stock shall not be entitled to participate in any such dividend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Dividends on the Series&nbsp;B
Preferred Stock will not be declared, paid or set aside for payment if the Corporation fails to comply, or if such act would cause the
Corporation to fail to comply, with applicable laws, rules&nbsp;and regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Liquidation
Rights</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Voluntary
or Involuntary Liquidation</U>. In the event of any liquidation, dissolution or winding-up of the affairs of the Corporation, whether
voluntary or involuntary, holders of Series&nbsp;B Preferred Stock and any Parity Stock shall be entitled to receive, out of the assets
of the Corporation available for distribution to shareholders of the Corporation, after satisfaction of liabilities to creditors of the
Corporation and any required distributions to holders of stock, if any, that ranks senior to the Series&nbsp;B Preferred Stock in the
distribution of assets upon liquidation, dissolution or winding-up but before any distribution of assets is made to holders of Common
Stock and any other Junior Stock, a liquidating distribution equal to the stated amount of $25,000 per share plus declared but unpaid
dividends, without accumulation of any undeclared dividends. Holders of the Series&nbsp;B Preferred Stock shall not be entitled to any
other amounts from the Corporation after they have received their full liquidation preference.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Partial
Payment</U>. If in any distribution described in Section&nbsp;6(a)&nbsp;above the assets of the Corporation are not sufficient to pay
the Liquidation Preferences (as defined below) in full to all holders of Series&nbsp;B Preferred Stock and all holders of any Parity
Stock, the amounts paid to the holders of Series&nbsp;B Preferred Stock and to the holders of all such other Parity Stock shall be paid
<I>pro rata</I> in accordance with the respective aggregate Liquidation Preferences of the holders of Series&nbsp;B Preferred Stock and
the holders of all such other Parity Stock. In any such distribution, the &ldquo;<U>Liquidation Preference</U>&rdquo; of any holder of
Series&nbsp;B Preferred Stock or Parity Stock shall mean the amount otherwise payable to such holder in such distribution (assuming no
limitation on the assets of the Corporation available for such distribution), including an amount equal to any declared but unpaid dividends
(and, in the case of any holder of stock on which dividends accrue on a cumulative basis, an amount equal to any unpaid, accrued cumulative
dividends, whether or not declared, as applicable).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Residual
Distributions</U>. If the Liquidation Preference has been paid in full to all holders of Series&nbsp;B Preferred Stock and any Parity
Stock, the holders of Junior Stock of the Corporation shall be entitled to receive all remaining assets of the Corporation (or proceeds
thereof) according to their respective rights and preferences.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Merger,
Consolidation and Sale of Assets Not Liquidation</U>. For purposes of this Section&nbsp;6, the merger or consolidation of the Corporation
with any other corporation or other entity, including a merger or consolidation in which the holders of Series&nbsp;B Preferred Stock
receive cash, securities or other property for their shares, or the sale, lease or exchange (for cash, securities or other property)
of all or substantially all of the assets of the Corporation, shall not constitute a liquidation, dissolution or winding-up of the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Redemption</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Optional
Redemption</U>. The Series&nbsp;B Preferred Stock is perpetual and has no maturity date. The Corporation may, at its option, redeem the
shares of Series&nbsp;B Preferred Stock at the time outstanding upon notice given as provided in Section&nbsp;7(c)&nbsp;below:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">in
whole or in part, from time to time, on or after the First Call Date, at a redemption price equal to the stated amount of $25,000 per
share of Series&nbsp;B Preferred Stock, plus (except as provided below) an amount equal to any declared but unpaid dividends and the
portion of the quarterly dividend per share attributable to the then-current Dividend Period that has not been declared and paid to,
but excluding, the Redemption Date,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">in
whole, but not in part, at any time prior to the First Call Date, within 90 days after the occurrence of a Rating Agency Event, at a
redemption price equal to $25,500 per share of Series&nbsp;B Preferred Stock, <I>plus</I> (except as provided below) an amount equal
to any declared but unpaid dividends and the portion of the quarterly dividend per share of Series&nbsp;B Preferred Stock attributable
to the then-current Dividend Period that has not been declared and paid to, but excluding, the Redemption Date, or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt">in
whole, but not in part, at any time prior to the First Call Date, within 90 days after the occurrence of a Regulatory Capital Event,
at a redemption price equal to the stated amount of $25,000 per share of Series&nbsp;B Preferred Stock, <I>plus</I> (except as provided
below) an amount equal to any declared but unpaid dividends and the portion of the quarterly dividend per share of Series&nbsp;B Preferred
Stock attributable to the then-current Dividend Period that has not been declared and paid to, but excluding, the Redemption Date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The redemption price for
any shares of Series&nbsp;B Preferred Stock shall be payable on the Redemption Date to the holder of such shares against surrender of
the certificate(s)&nbsp;evidencing such shares to the Corporation or its agent. Any declared but unpaid dividends payable on a Redemption
Date that occurs subsequent to the Dividend Record Date for a Dividend Period shall not constitute a part of or be paid to the holder
entitled to receive the redemption price on the Redemption Date, but rather shall be paid to the holder of record of the redeemed shares
on the Dividend Record Date relating to such Dividend Payment Date as provided in Section&nbsp;5 above. Holders of the Series&nbsp;B
Preferred Stock will have no right to require the redemption or repurchase of the Series&nbsp;B Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>No
Sinking Fund</U>. The Series&nbsp;B Preferred Stock will not be subject to any mandatory redemption, sinking fund, retirement fund, purchase
fund or other similar provisions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>Notice
of Redemption</U>. Notice of every redemption of shares of Series&nbsp;B Preferred Stock shall be given by first-class mail, postage
prepaid, addressed to the holders of record of the shares to be redeemed at their respective last addresses appearing on the books of
the Corporation. Such mailing shall be not less than 30 days and not more than 60 days prior to the date fixed for redemption thereof.
Any notice mailed as provided in this Section&nbsp;7(c)&nbsp;shall be conclusively presumed to have been duly given, whether or not the
holder receives such notice, but failure duly to give such notice by mail, or any defect in such notice or in the mailing thereof, to
any holder of shares of Series&nbsp;B Preferred Stock designated for redemption shall not affect the validity of the proceedings for
the redemption of any other shares of Series&nbsp;B Preferred Stock. Notwithstanding the foregoing, if the Series&nbsp;B Preferred Stock
is held in book-entry form through DTC or any other similar facility, notice of redemption may be given to the holders of Series&nbsp;B
Preferred Stock at such time and in any manner permitted by such facility.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">Each such notice
given to a holder shall state: (i)&nbsp;the Redemption Date&#894; (ii)&nbsp;the number of shares of Series&nbsp;B Preferred Stock to
be redeemed and, if less than all the shares of Series&nbsp;B Preferred Stock held by such holder are to be redeemed, the number of shares
of such Series&nbsp;B Preferred Stock to be redeemed from such holder (if determinable at the time of such notice)&#894; (iii)&nbsp;the
redemption price&#894; (iv)&nbsp;if shares of Series&nbsp;B Preferred Stock are evidenced by definitive certificates, the place or places
where holders may surrender certificates evidencing those shares of Series&nbsp;B Preferred Stock for payment of the redemption price&#894;
and (v)&nbsp;that dividends will not accrue for any period beginning on or after the Redemption Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>Partial
Redemption</U>. In case of any redemption of only part of the shares of Series&nbsp;B Preferred Stock at the time outstanding, the shares
to be redeemed shall be selected either <I>pro rata</I>, by lot or by such other method in accordance with the procedures of DTC. Subject
to the provisions hereof, the Corporation shall have full power and authority to prescribe the terms and conditions upon which shares
of Series&nbsp;B Preferred Stock shall be redeemed from time to time. If fewer than all the shares represented by any certificate are
redeemed, a new certificate shall be issued representing the unredeemed shares without charge to the holder thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Effectiveness
of Redemption</U>. If notice of redemption has been duly given and if on or before the Redemption Date specified in the notice all funds
necessary for the redemption have been set aside by the Corporation, separate and apart from its other funds, in trust for the <I>pro
rata</I> benefit of the holders of the shares called for redemption, so as to be and continue to be available therefor, then, notwithstanding
that any certificate for any share so called for redemption has not been surrendered for cancellation, on and after the Redemption Date
(i)&nbsp;dividends shall not accrue on all shares so called for redemption for any period beginning on or after the Redemption Date,
(ii)&nbsp;all shares so called for redemption shall no longer be deemed outstanding and (iii)&nbsp;all rights with respect to such shares
shall forthwith on such Redemption Date cease and terminate, except only the right of the holders thereof to receive the amount payable
on such redemption, without interest. Any funds unclaimed at the end of two years from the Redemption Date, to the extent permitted by
law, shall be released from the trust so established and may be commingled with other funds of the Corporation, and after that time the
holders of the shares so called for redemption shall look only to the Corporation for payment of the redemption price of such shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Voting
Rights</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>General</U>.
The holders of Series&nbsp;B Preferred Stock shall not have any voting rights except as set forth below or as otherwise from time to
time required by law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Right
to Elect Two Directors on Nonpayment of Dividends</U>. Whenever dividends on any shares of Series&nbsp;B Preferred Stock shall have not
been declared and paid for the equivalent of at least six Dividend Periods, whether or not for consecutive Dividend Periods (a &ldquo;<U>Nonpayment</U>&rdquo;),
the holders of such shares of Series&nbsp;B Preferred Stock, voting together as a single class with holders of any and all other series
of Voting Preferred Stock then outstanding, will be entitled to vote for the election of a total of two additional members of the Board
(the &ldquo;<U>Preferred Stock Directors</U>&rdquo;), provided that the election of any such directors shall not cause the Corporation
to violate the corporate governance requirement of the New York Stock Exchange (the &ldquo;<U>NYSE</U>&rdquo;) (or any other exchange
on which the securities of the Corporation may be listed) that listed companies must have a majority of independent directors and provided,
further, that the Board shall at no time include more than two Preferred Stock Directors. In that event, the number of directors on the
Board shall automatically increase by two, and the new directors shall be elected at a special meeting called at the request of the holders
of record of at least 20% of the Series&nbsp;B Preferred Stock or of any other series of Voting Preferred Stock (unless such request
is received less than 90 days before the date fixed for the next annual or special meeting of the shareholders, in which event such election
shall be held at such next annual or special meeting of shareholders), and at each subsequent annual meeting. These voting rights will
continue until dividends on the shares of Series&nbsp;B Preferred Stock and any such series of Voting Preferred Stock for at least four
consecutive dividend periods (or the equivalent thereof, in the case of any other series of Voting Preferred Stock) following the Nonpayment
shall have been fully paid.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">If and when dividends
for at least four consecutive Dividend Periods (or the equivalent thereof, in the case of any other series of Voting Preferred Stock)
following a Nonpayment have been paid in full, the holders of the Series&nbsp;B Preferred Stock shall be divested of the foregoing voting
rights (subject to revesting in the event of each subsequent Nonpayment) and, if such voting rights for all other holders of Voting Preferred
Stock have terminated, the term of office of each Preferred Stock Director so elected shall immediately terminate and the number of directors
on the Board shall automatically decrease by two. In determining whether dividends have been paid for at least four consecutive Dividend
Periods (or the equivalent thereof, in the case of any other series of Voting Preferred Stock) following a Nonpayment, the Corporation
may take account of any dividend the Corporation elects to pay for such a Dividend Period after the regular Dividend Payment Date for
that period has passed. Any Preferred Stock Director may be removed at any time without cause by the holders of record of a majority
of the outstanding shares of Series&nbsp;B Preferred Stock and any other shares of Voting Preferred Stock then outstanding (voting together
as a class) when they have the voting rights described above. So long as a Nonpayment shall continue, any vacancy in the office of a
Preferred Stock Director (other than prior to the initial election after a Nonpayment) may be filled by the written consent of the Preferred
Stock Director remaining in office, or if none remains in office, by a vote of the holders of record of a majority of the outstanding
Series&nbsp;B Preferred Stock and any other shares of Voting Preferred Stock then outstanding (voting together as a class<B>) </B>when
they have the voting rights described above, provided that the filling of any such vacancy shall not cause the Corporation to violate
the corporate governance requirement of the NYSE (or any other exchange on which the securities of the Corporation may be listed) that
listed companies must have a majority of independent directors. Any such vote to remove, or to fill a vacancy in the office of, a Preferred
Stock Director may be taken only at a special meeting called at the request of the holders of record of at least 20% of the Series&nbsp;B
Preferred Stock or of any other series of Voting Preferred Stock (unless such request is received less than 90 days before the date fixed
for the next annual or special meeting of the shareholders, in which event such election shall be held at such next annual or special
meeting of shareholders). The Preferred Stock Directors shall each be entitled to one vote per director on any matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Other
Voting Rights</U>. So long as any shares of Series&nbsp;B Preferred Stock are outstanding, in addition to any other vote or consent of
shareholders required by law or by the Articles of Incorporation, the affirmative vote or consent of the holders of at least 66 2/3 %
of the shares of Series&nbsp;B Preferred Stock, voting separately as a class, given in person or by proxy, either in writing without
a meeting or by vote at any meeting called for the purpose, shall be necessary for effecting or validating:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Authorization
of Senior Stock</U>. Any amendment or alteration of the Articles of Incorporation to authorize or increase the authorized amount of,
or issue any shares of any class or series or any obligation or securities convertible into shares of any class or series of the Corporation&rsquo;s
capital stock ranking senior to the Series&nbsp;B Preferred Stock in the distribution of assets on any liquidation, dissolution or winding-up
of the Corporation&#894;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Amendment
of Articles of Incorporation, Bylaws or Certificate of Designations</U>. Any amendment, alteration or repeal of any provision of the
Articles of Incorporation (including this Certificate of Designations) or the Bylaws that would alter or change the voting powers, preferences,
privileges or special rights of the Series&nbsp;B Preferred Stock so as to affect them adversely&#894; provided, however, that the amendment
of the Articles of Incorporation so as to increase the amount of authorized or issued Series&nbsp;B Preferred Stock or authorized Common
Stock or Preferred Stock, or so as to authorize or create, or to increase the authorized or issued amount of, any class or series of
stock that does not rank senior to the Series&nbsp;B Preferred Stock in the distribution of assets on any liquidation, dissolution or
winding-up of the Corporation shall not be deemed to affect adversely the voting powers, preferences, privileges or special rights of
the Series&nbsp;B Preferred Stock&#894; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>Share
Exchanges, Reclassifications, Mergers and Consolidations and Other Transactions</U>. Any consummation of (A)&nbsp;a binding share exchange
or reclassification involving the Series&nbsp;B Preferred Stock, (B)&nbsp;a merger or consolidation of the Corporation with another entity
(whether or not a corporation) or (C)&nbsp;a conversion, transfer, domestication or continuance of the Corporation into another entity
or an entity organized under the laws of another jurisdiction, unless, in each case, (x)&nbsp;the shares of Series&nbsp;B Preferred Stock
remain outstanding or, in the case of any such merger or consolidation with respect to which the Corporation is not the surviving or
resulting entity, or any such conversion, transfer, domestication or continuance, the shares of Series&nbsp;B Preferred Stock are converted
into or exchanged for preference securities of the surviving or resulting entity or its ultimate parent, and (y)&nbsp;such shares remaining
outstanding or such preference securities, as the case may be, have such rights, preferences, privileges and voting powers, and limitations
and restrictions thereof, taken as a whole, as are not materially less favorable to the holders thereof than the rights, preferences,
privileges and voting powers, and restrictions and limitations thereof, of the Series&nbsp;B Preferred Stock immediately prior to such
consummation, taken as a whole.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">If an amendment,
alteration, repeal, share exchange, reclassification, merger or consolidation, or conversion, transfer, domestication or continuance
described above would materially and adversely affect one or more but not all series of Voting Preferred Stock (including the Series&nbsp;B
Preferred Stock for this purpose), then only the series materially and adversely affected and entitled to vote shall vote to the exclusion
of all other series of Preferred Stock. If all series of Preferred Stock are not equally affected by the proposed amendment, alteration,
repeal, share exchange, reclassification, merger or consolidation, or conversion, transfer, domestication or continuance, described above,
there shall be required a two-thirds approval of each series that will have a diminished status.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;<FONT STYLE="font-size: 10pt"><U>Changes
for Clarification</U>. To the fullest extent permitted by law, without the consent of the holders of Series&nbsp;B Preferred Stock, so
long as such action does not adversely affect the rights, preferences, privileges and voting powers of the Series&nbsp;B Preferred Stock,
the Corporation may supplement any terms of the Series&nbsp;B Preferred Stock:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">to
cure any ambiguity, or to cure, correct or supplement any provision contained in this Certificate of Designations that may be defective
or inconsistent&#894; or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">to
make any provision with respect to matters or questions arising with respect to the Series&nbsp;B Preferred Stock that is not inconsistent
with the provisions of this Certificate of Designations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Changes
After Provisions for Redemption</U>. No vote or consent of the holders of Series&nbsp;B Preferred Stock shall be required pursuant to
Sections 8(b)&nbsp;and (c)&nbsp;above if, at or prior to the time when any such vote or consent would otherwise be required pursuant
to Sections 8(b)&nbsp;and (c), all outstanding shares of Series&nbsp;B Preferred Stock shall have been redeemed, or shall have been called
for redemption upon proper notice and sufficient funds shall have been set aside for such redemption, in each case pursuant to Section&nbsp;7
above, unless in the case of a vote or consent required to authorize stock ranking senior to the Series&nbsp;B Preferred Stock in the
distribution of assets on any liquidation, dissolution or winding-up of the Corporation, if all outstanding shares of Series&nbsp;B Preferred
Stock are being redeemed with the proceeds from the sale of such stock to be authorized.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Procedures
for Voting and Consents</U>. The rules&nbsp;and procedures for calling and conducting any meeting of the holders of Series&nbsp;B Preferred
Stock (including, without limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies at such
a meeting, the obtaining of written consents and any other aspect or matter with regard to such a meeting or such consents shall be governed
by any rules&nbsp;the Board (or a duly authorized committee of the Board), in its discretion, may adopt from time to time, which rules&nbsp;and
procedures shall conform to the requirements of the Articles of Incorporation, the Bylaws, applicable law and any national securities
exchange or other trading facility on which the Series&nbsp;B Preferred Stock is listed or traded at the time. Whether a plurality, majority
or other portion of the Series&nbsp;B Preferred Stock and any Voting Preferred Stock has been voted in favor of any matter shall be determined
by the Corporation by reference to the respective stated amounts of the shares of the Series&nbsp;B Preferred Stock and Voting Preferred
Stock voted or covered by the consent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Record
Holders</U>. To the fullest extent permitted by applicable law, the Corporation and the Transfer Agent for the Series&nbsp;B Preferred
Stock may deem and treat the record holder of any share of Series&nbsp;B Preferred Stock as the true and lawful owner thereof for all
purposes, and neither the Corporation nor such Transfer Agent shall be affected by any notice to the contrary.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Notices</U>.
All notices or communications in respect of Series&nbsp;B Preferred Stock shall be sufficiently given if given in writing and delivered
in person or by first-class mail, postage prepaid, or if given in such other manner as may be permitted in this Certificate of Designations,
in the Articles of Incorporation, in the Bylaws or by applicable law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Conversion Rights</U>. The Series&nbsp;B Preferred Stock shall not be convertible into, or exchangeable for, shares of Common Stock or
any other class or series of stock or other securities of the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>No
Preemptive Rights</U>. No share of Series&nbsp;B Preferred Stock shall have any rights of preemption whatsoever as to any securities
of the Corporation, or any warrants, rights or options issued or granted with respect thereto, regardless of how such securities, or
such warrants, rights or options, may be designated, issued or granted.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Other
Rights</U>. The shares of Series&nbsp;B Preferred Stock shall not have any voting powers, preferences or relative, participating, optional
or other special rights, or qualifications, limitations or restrictions thereof, other than as set forth herein or in the Articles of
Incorporation or as provided by applicable law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Certificates</U>.
The Corporation may, at its option, issue shares of Series&nbsp;B Preferred Stock without certificates. As long as DTC or its nominee
is the registered owner of the Series&nbsp;B Preferred Stock, DTC or its nominee, as the case may be, will be considered the sole owner
and holder of all shares of Series&nbsp;B Preferred Stock for all purposes under the instruments governing the rights and obligations
of holders of shares of Series&nbsp;B Preferred Stock. If DTC discontinues providing its services as securities depositary with respect
to the shares of Series&nbsp;B Preferred Stock, or if DTC ceases to be registered as a clearing agency under the Exchange Act, in the
event that a successor securities depositary is not obtained within 90 days, the Corporation will either print and deliver certificates
for the shares of Series&nbsp;B Preferred Stock or provide for the direct registration of the Series&nbsp;B Preferred Stock with the
Transfer Agent. If the Corporation decides to discontinue the use of the system of book-entry- only transfers through DTC (or a successor
securities depositary), certificates for the shares of Series&nbsp;B Preferred Stock will be printed and delivered to DTC or the Corporation
will provide for the direct registration of the Series&nbsp;B Preferred Stock with the Transfer Agent. Except in the limited circumstances
referred to above, owners of beneficial interests in the Series&nbsp;B Preferred Stock:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">will
not be entitled to have such Series&nbsp;B Preferred Stock registered in their names&#894;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">will
not receive or be entitled to receive physical delivery of securities certificates in exchange for beneficial interests in the Series&nbsp;B
Preferred Stock&#894; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">will
not be considered to be owners or holders of the shares of Series&nbsp;B Preferred Stock for any purpose under the instruments governing
the rights and obligations of holders of shares of Series&nbsp;B Preferred Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<DOCUMENT>
<TYPE>EX-3.2
<SEQUENCE>3
<FILENAME>tm2413201d1_ex3-2.htm
<DESCRIPTION>EXHIBIT 3.2
<TEXT>
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<P STYLE="margin: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: right"><FONT STYLE="font-style: normal"><B>Exhibit&nbsp;3.2</B></FONT></P>

<P STYLE="margin: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FIFTH AMENDED AND RESTATED BYLAWS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>AMERICAN</B></FONT><B> <FONT STYLE="font-size: 10pt">EQUITY
INVESTMENT LIFE HOLDING COMPANY</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(an Iowa Corporation)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(hereinafter referred to as the &ldquo;Corporation&rdquo;)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>MEETING
OF Stockholders; STOCKHOLDERS&rsquo; CONSENT IN LIEU OF MEETING</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;1.01. <U>Annual Meeting</U>. The annual
meeting of the stockholders for the election of directors, and for the transaction of such other business as may properly come before
the meeting, shall be held at such place, date and hour as shall be fixed by the Board of Directors and designated in the notice or waiver
of notice thereof; except that no annual meeting need be held if all actions, including the election of directors, required by the Iowa
Business Corporation Act to be taken at a stockholders&rsquo; annual meeting are taken by written consent in lieu of a meeting pursuant
to Section&nbsp;1.03 of these Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;1.02. <U>Special Meetings</U>. A special
meeting of the stockholders for any purpose or purposes shall be called in accordance with the Iowa Business Corporation Act, such meeting
to be held at such place, date and hour as shall be designated in the notice or waiver of notice thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;1.03. <U>Stockholders&rsquo; Consent
in Lieu of Meeting</U>. Any action required by the Iowa Business Corporation Act to be taken at any annual or special meeting of the stockholders
of the Corporation, or any action which may be taken at any annual or special meeting of such stockholders, may be taken without a meeting,
without prior notice and without a vote, if a consent in writing, setting forth the action so taken, shall be signed by all the stockholders,
and otherwise satisfies the requirements and is in accordance with the Iowa Business Corporation Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;1.04. <U>Quorum and Adjournment</U>.
Except as otherwise provided by law, by the Articles of Incorporation of the Corporation or by these Bylaws, the presence, in person or
by proxy, of the holders of a majority of the shares of any voting group issued and outstanding and entitled to vote thereat shall constitute
a quorum of such voting group at all meetings of the stockholders for the transaction of business. If, however, such a quorum shall not
be present in person or represented by proxy at any meeting of stockholders, the stockholders present, although less than a quorum, shall
have the power to adjourn the meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;1.05. <U>Majority Vote Required</U>.
When a quorum is present at any meeting of stockholders, the affirmative vote of the majority of the aggregate voting power of the shares
present in person or represented by proxy at the meeting and entitled to vote on the subject matter shall constitute the act of the stockholders,
unless by express provision of law, the Articles of Incorporation of the Corporation or these Bylaws a different vote is required, in
which case such express provision shall govern and control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;1.06. <U>Manner of Voting</U>. At each
meeting of stockholders, each stockholder having the right to vote shall be entitled to vote in person or by proxy. Proxies need not be
filed with the Secretary of the Corporation until the meeting is called to order, but shall be filed before being voted. Each stockholder
shall be entitled to vote each share of stock having voting power registered in his or her name on the books of the Corporation on the
record date fixed, as provided in Section&nbsp;6.07 of these Bylaws, for the determination of stockholders entitled to vote at such meeting.
No election of directors need be by written ballot.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;II</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Board
of Directors</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;2.01. <U>General Powers</U>. The management
of the affairs of the Corporation shall be vested in the Board of Directors, which may exercise all such powers of the Corporation and
do all such lawful acts and things as are not by law or by the Articles of Incorporation of the Corporation directed or required to be
exercised or done by the stockholders. The Board of Directors may authorize any officer or officers, agent or agents, to enter into any
contract or to execute and deliver any instrument in the name and on behalf of the Corporation, and such authority may be general or confined
to specific circumstance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;2.02. <U>Number and Term of Office</U>.
The number of directors which shall constitute the whole Board of Directors shall be fixed from time to time by a vote of a majority of
the whole Board of Directors. The term &ldquo;whole Board of Directors&rdquo; is used herein to refer to the total number of directors
which the Corporation would have if there were no vacancies. Directors need not be stockholders. No director is required to be an officer
or employee of the Corporation or a resident of the State of Iowa. Each director shall hold office until his or her successor is elected
and qualified, or until his or her earlier death or resignation or removal in the manner hereinafter provided.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;2.03. <U>Resignation, Removal and Vacancies</U>.
Any director may resign at any time by giving written notice of his or her resignation to the Board of Directors, the Chairman of the
Board of Directors, the President or the Secretary of the Corporation. Such resignation shall take effect at the time specified therein
or, if the time is not specified, upon receipt thereof; and, unless otherwise specified therein, the acceptance of such resignation shall
not be necessary to make it effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Any director or the entire Board of Directors may
be removed, with or without cause, at any time by the holders of a majority of the shares then entitled to vote at an election of directors
or by written consent of the stockholders pursuant to Section&nbsp;1.03 of these Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Vacancies in the Board of Directors and newly created
directorships resulting from any increase in the authorized number of directors may be filled by a majority of the directors then in office,
although less than a quorum, or by a sole remaining director.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;2.04. <U>Chairman of the Board of Directors</U>.
If there shall be a Chairman of the Board of Directors, he or she shall preside at meetings of the Board of Directors and of the stockholders
at which he or she is present, and shall give counsel and advice to the Board of Directors and the officers of the Corporation on all
subjects touching the welfare of the Corporation and the conduct of its business. He or she shall perform such other duties as the Board
of Directors may from time to time determine. Except as otherwise provided by resolution of the Board of Directors he or she shall be
ex officio a member of all committees of the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;2.05. <U>Meetings</U>. (a)&nbsp; <U>Annual
Meeting</U>. As soon as practicable after each annual election of directors, the Board of Directors shall meet for the purpose of organization
and the transaction of other business, unless it shall have transacted all such business by written consent pursuant to Section&nbsp;2.06
of these Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp; <U>Other Meetings</U>. Other meetings of
the Board of Directors shall be held at such times and places as the Board of Directors, the Chairman of the Board of Directors or the
President shall from time to time determine.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)&nbsp; <U>Notice of Meetings</U>. The Secretary
of the Corporation shall give notice to each director of each meeting, including the time, place and purpose of such meeting. Notice of
each such meeting shall be mailed to each director, addressed to him or her at his or her residence or usual place of business, at least
two days before the day on which such meeting is to be held, or shall be sent to him or her at such place by telegraph, cable, wireless
or other form of recorded communication, or be delivered personally or by telephone not later than the day before the day on which such
meeting is to be held, but notice need not be given to any director who shall attend such meeting. A written waiver of notice, signed
by the person entitled thereto, whether before or after the time of the meeting stated therein, shall be deemed equivalent to notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)&nbsp; <U>Place of Meetings</U>. The Board of
Directors may hold its meetings at such place or places within or without the State of Iowa as the Board of Directors may from time to
time determine, or as shall be designated in the respective notices or waivers of notice thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)&nbsp; <U>Quorum and Manner of Acting</U>. One
third of the total number of directors then in office (but not less than two) shall be present in person at any meeting of the Board of
Directors in order to constitute a quorum for the transaction of business at such meeting, and the vote of a majority of those directors
present at any such meeting at which a quorum is present shall be necessary for the passage of any resolution or act of the Board of Directors,
except as otherwise expressly required by law or these Bylaws. In the absence of a quorum for any such meeting, a majority of the directors
present thereat may adjourn such meeting from time to time until a quorum shall be present.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)&nbsp; <U>Organization</U>. At each meeting of
the Board of Directors, one of the following shall act as chairman of the meeting and preside, in the following order of precedence:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.75in">(i)&nbsp; the Chairman of the Board
of Directors;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.75in">(ii)&nbsp; the President (if the President
shall be a member of the Board of Directors at such time); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.75in">(iii)&nbsp; any director chosen by a
majority of the directors present.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Secretary of the Corporation or, in the case of his or her absence,
any person (who shall be an Assistant Secretary of the Corporation, if an Assistant Secretary of the Corporation is present) whom the
Chairman of the Board of Directors shall appoint shall act as secretary of such meeting and keep the minutes thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;2.06. <U>Directors&rsquo; Consent in
Lieu of Meeting</U>. Action required or permitted to be taken at any meeting of the Board of Directors, or of any committee thereof, may
be taken without a meeting if all members of the Board of Directors or committee, as the case may be, consent thereto in writing and the
writing or writings are filed with the minutes or the proceedings of the Board of Directors or committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;2.07. <U>Action by Means of Conference
Telephone or Similar Communications Equipment</U>. Any one or more members of the Board of Directors, or any committee designated by the
Board of Directors, may participate in a meeting of the Board of Directors or any such committee by means of conference telephone or similar
communications equipment by means of which all persons participating in the meeting can hear each other, and participation in a meeting
by such means shall constitute presence in person at such meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;III</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Committees
of the Board</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;3.01. The Board of Directors, by the
affirmative vote of a majority of the whole Board of Directors, may establish one or more other committees, including an executive committee,
each committee to consist of two or more persons, who need not be directors, appointed by the Board of Directors. Each such committee
shall have the authority and duties delegated to it by the Board of Directors, subject to any limitations set forth in any then-established
committee such as an executive committee. The Board of Directors shall have power at any time to change the members of any such committee,
designate alternate members of any such committee and fill vacancies therein; and any such committee shall serve at the pleasure of the
Board of Directors. Each such committee shall fix its own rules&nbsp;governing the conduct of its activities except as the Board of Directors
may require or restrict or to the extent required or restricted by the terms of any then-established committee such as an executive committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;IV</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Officers</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;4.01. <U>Executive Officers</U>. The
executive officers of the Corporation shall be a President, a Secretary and a Chief Financial Officer and may include a Chairman of the
Board of Directors, one or more Vice Presidents and one or more Assistant Secretaries or Assistant Chief Financial Officers. The Board
of Directors may also elect or appoint such other officers and agents as may from time to time appear to be necessary or advisable in
the conduct of the affairs of the Corporation. Any two or more offices may be held by the same person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;4.02. <U>Authority and Duties</U>. All
officers, as between themselves and the Corporation, shall have such authority and perform such duties in the management of the Corporation
as may be provided in these Bylaws or, to the extent not so provided, by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;4.03. <U>Term of Office, Resignation
and Removal</U>. All officers shall be elected or appointed by the Board of Directors and shall hold office for such term as may be prescribed
by the Board of Directors. The Chairman of the Board of Directors, if any, shall be elected or appointed from among the members of the
Board of Directors. Each officer shall hold office until his or her successor has been elected or appointed and qualified or his or her
earlier death or resignation or removal in the manner hereinafter provided. The Board of Directors may require any officer to give security
for the faithful performance of his or her duties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Any officer may resign at any time by giving written
notice to the President or the Secretary of the Corporation, and such resignation shall take effect at the time specified therein or,
if the time when it shall become effective is not specified therein, at the time it is accepted by action of the Board of Directors. Except
as aforesaid, the acceptance of such resignation shall not be necessary to make it effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">All officers and agents elected or appointed by the
Board of Directors shall be subject to removal at any time by the Board of Directors with or without cause.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;4.04. <U>Vacancies</U>. If an office
becomes vacant for any reason, the Board of Directors shall fill such vacancy. Any officer so appointed or elected by the Board of Directors
shall serve only until such time as the unexpired term of his or her predecessor shall have expired unless reelected or reappointed by
the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;4.05. <U>The President</U>. The President
shall be the Chief Executive Officer of the Corporation and, unless the Chairman of the Board of Directors is present or the Board of
Directors has provided otherwise by resolution, he or she shall preside at all meetings of the Board of Directors and the stockholders
at which he or she is present except, in the case of a meeting of the Board of Directors, if the President is not a member of the Board
of Directors at such time. He or she shall have general and active management and control of the business and affairs of the Corporation
subject to the control of the Board of Directors and the Executive Committee, if any, and shall see that all orders and resolutions of
the Board of Directors and the Executive Committee, if any, are carried into effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;4.06. <U>Vice Presidents</U>. The Vice
President of the Corporation, if any, or if there be more than one, the Vice Presidents in the order of their seniority or in any other
order determined by the Board of Directors, shall, in the absence or disability of the President, perform the duties and exercise the
powers of the President, and shall generally assist the President and perform such other duties as the Board of Directors or the President
shall prescribe.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;4.07. <U>The Secretary</U>. The Secretary
of the Corporation shall, to the extent practicable, attend all meetings of the Board of Directors and all meetings of the stockholders
and shall record all votes and the minutes of all proceedings in a book to be kept for that purpose, and shall perform like duties for
the standing committees when required. He or she shall give, or cause to be given, notice of all meetings of the stockholders and of the
Board of Directors, and shall perform such other duties as may be prescribed by the Board of Directors or the President, under whose supervision
he or she shall perform such duties. He or she shall keep in safe custody the seal of the Corporation and affix the same to any duly authorized
instrument requiring it and, when so affixed, it shall be attested by his or her signature or by the signature of the Chief Financial
Officer or an Assistant Secretary or Assistant Chief Financial Officer. He or she shall keep in safe custody the certificate books and
stockholder records and such other books and records as the Board of Directors may direct and shall perform all other duties as from time
to time may be assigned to him or her by the Chairman of the Board of Directors, the President or the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;4.08. <U>Assistant Secretaries</U>.
The Assistant Secretary of the Corporation, if any, or if there be more than one, the Assistant Secretaries in order of their seniority
or in any other order determined by the Board of Directors shall, in the absence or disability of the Secretary of the Corporation, perform
the duties and exercise the powers of the Secretary of the Corporation and shall perform such other duties as the Board of Directors or
the Secretary of the Corporation shall prescribe.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;4.09. <U>The Chief Financial Officer</U>.
The Chief Financial Officer shall have the care and custody of the corporate funds and other valuable effects, including securities, and
shall keep full and accurate accounts of receipts and disbursements in books belonging to the Corporation, and shall deposit all moneys
and other valuable effects to the name and to the credit of the Corporation in such depositories as may be designated by the Board of
Directors. The Chief Financial Officer shall disburse the funds of the Corporation as may be ordered by the Board of Directors, taking
proper vouchers for such disbursements, and shall render to the President and directors, at the regular meetings of the Board of Directors,
or whenever they may require it, an account of all his or her transactions as Chief Financial Officer and of the financial condition of
the Corporation; and, in general, perform all the duties incident to the office of Chief Financial Officer and such other duties as from
time to time may be assigned to him or her by the President or the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;4.10. <U>Assistant Chief Financial Officers</U>.
The Assistant Chief Financial Officer of the Corporation, if any, or if there be more than one, the Assistant Chief Financial Officers
in the order of their seniority or in any other order determined by the Board of Directors, shall in the absence or disability of the
Chief Financial Officer perform the duties and exercise the powers of the Chief Financial Officer and shall perform such other duties
as the Board of Directors or the Chief Financial Officer shall prescribe.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;V</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Contracts,
Checks, Drafts, Bank Accounts,&nbsp;etc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;5.01. <U>Execution of Documents</U>.
The Board of Directors shall designate the officers, employees and agents of the Corporation who shall have power to execute and deliver
deeds, contracts, mortgages, bonds, debentures, checks, drafts and other orders for the payment of money and other documents for and in
the name of the Corporation, and may authorize such officers, employees and agents to delegate such power (including authority to redelegate)
by written instrument to other officers, employees or agents of the Corporation; and, unless so designated or expressly authorized by
these Bylaws, no officer or agent or employee shall have any power or authority to bind the Corporation by any contract or engagement
or to pledge its credit or to render it liable pecuniarily for any purpose or to any amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;5.02. <U>Deposits</U>. All funds of
the Corporation not otherwise employed shall be deposited from time to time to the credit of the Corporation or otherwise as the Board
of Directors or Chief Financial Officer or any other officer of the Corporation to whom power in this respect shall have been given by
the Board of Directors shall select.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;5.03. <U>Proxies in Respect of Stock
or Other Securities of Other Corporations</U>. The Board of Directors shall designate the officers of the Corporation who shall have authority
from time to time to appoint an agent or agents of the Corporation to exercise in the name and on behalf of the Corporation the powers
and rights which the Corporation may have as the holder of stock or other securities in any other corporation, and to vote or consent
in respect of such stock or securities; such designated officers may instruct the person or persons so appointed as to the manner of exercising
such powers and rights; and such designated officers may execute or cause to be executed in the name and on behalf of the Corporation
and under its corporate seal, or otherwise, such written proxies, powers of attorney or other instruments as they may deem necessary or
proper in order that the Corporation may exercise its said powers and rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;VI</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>CAPITAL
STOCK</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;6.01. <U>Certificates for Shares</U>.
Every owner of stock of the Corporation shall be entitled to have a certificate certifying the number and class of shares owned by him
or her in the Corporation, which shall otherwise be in such form as shall be prescribed by the Board of Directors. Certificates of each
class shall be issued in consecutive order and shall be numbered in the order of their issue, and shall be signed by, or in the name of
the Corporation by the Chairman of the Board of Directors, the President or a Vice President and by the Chief Financial Officer or an
Assistant Chief Financial Officer or the Secretary or an Assistant Secretary of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;6.02. <U>Record</U>. A record (herein
called the &ldquo;<U>Stock Record</U>&rdquo;) in one or more counterparts shall be kept of the name of the person, firm or corporation
owning the shares represented by each certificate for stock of the Corporation issued, the number of shares represented by each such certificate,
the date thereof and, in the case of cancelation, the date of cancelation. Except as otherwise expressly required by law, the person,
firm or corporation in whose name shares of stock stand on the Stock Record of the Corporation shall be deemed the owner thereof for all
purposes as regards the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;6.03. <U>Registration of Stock</U>.
Registration of transfers of shares of the Corporation shall be made only on the books of the Corporation upon request of the registered
holder thereof, or of his or her attorney thereunto authorized by power of attorney duly executed and filed with the Secretary of the
Corporation, and upon the surrender of the certificate or certificates for such shares properly endorsed or accompanied by a stock power
duly executed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;6.04. <U>Addresses of Stockholders</U>.
Each stockholder shall designate to the Secretary of the Corporation an address at which notices of meetings and all other corporate notices
may be served or mailed to him or her, and, if any stockholder shall fail to designate such address, corporate notices may be served upon
him or her by mail directed to him or her at his or her post office address, if any, as the same appears on the share record books of
the Corporation or at his or her last known post office address.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;6.05. <U>Lost, Destroyed and Mutilated
Certificates</U>. The Board of Directors or a committee designated thereby with power so to act may, in its discretion, cause to be issued
a new certificate or certificates for stock of the Corporation in place of any certificate issued by it and reported to have been lost,
destroyed or mutilated, upon the surrender of the mutilated certificates or, in the case of loss or destruction of the certificate, upon
satisfactory proof of such loss or destruction, and the Board of Directors or such committee may, in its discretion, require the owner
of the lost or destroyed certificate or his or her legal representative to give the Corporation a bond in such sum and with such surety
or sureties as it may direct to indemnify the Corporation against any claim that may be made against it on account of the alleged loss
or destruction of any such certificate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;6.06. <U>Regulations</U>. The Board
of Directors may make such rules&nbsp;and regulations as it may deem expedient, not inconsistent with these Bylaws, concerning the issue,
transfer and registration of certificates for stock of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;6.07. <U>Fixing Date for Determination
of Stockholders of Record</U>. In order that the Corporation may determine the stockholders entitled to notice of or to vote at any meeting
of stockholders or any adjournment thereof, or to express consent to corporate action in writing without a meeting, or entitled to receive
payment of any dividend or other distribution or allotment of any rights, or entitled to exercise any rights in respect of any change,
conversion or exchange of stock or for the purpose of any other lawful action, the Board of Directors may fix, in advance, a record date,
which shall not be more than 70 nor less than 10 days before the date of such meeting, nor more than 70 days prior to any other action.
A determination of stockholders entitled to notice of or to vote at a meeting of the stockholders shall apply to any adjournment of the
meeting; <U>provided</U>, <U>however</U>, that the Board of Directors may fix a new record date for the adjourned meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;VII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Fiscal
Year</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;7.01. The fiscal year of the Corporation
shall end on the 31st day of December&nbsp;in each year unless changed by resolution of the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;VIII</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Indemnification
and Insurance</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;8.01. <U>Indemnification</U>. (a)&nbsp;
(i)&nbsp;Any person made, or threatened to be made, a party to any threatened, pending or completed action, suit or proceeding, whether
civil, criminal, administrative or investigative, by reason of the fact that he or she, his or her testator or his or her intestate is
or was a director, officer, employee or agent of the Corporation or any corporation which consolidates or merges with or into the Corporation
and which if its separate existence had continued would have had power and authority to indemnify such person (a &ldquo;<U>Predecessor</U>&rdquo;),
shall be indemnified by the Corporation and (ii)&nbsp;any person made, or threatened to be made, a party to such an action, suit or proceeding,
by reason of the fact that he or she, his or her testator or his or her intestate is or was serving as a director, officer, employee or
agent at the request of the Corporation, of any other corporation or any partnership, joint venture, trust or other enterprise (an &ldquo;<U>Affiliate</U>&rdquo;),
may, at the discretion of the Board of Directors, be indemnified by the Corporation, in each case, against expenses (including attorneys&rsquo;
fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by him or her in connection with such action,
suit or proceeding, or in connection with any appeal therein; <U>provided</U> that such person acted in good faith and in a manner he
or she reasonably believed to be in, or not opposed to, the best interests of the Corporation, Predecessor or Affiliate, as the case may
be, or with respect to any criminal action or proceeding, had no reasonable cause to believe his or her conduct was unlawful; except,
in the case of an action, suit or proceeding by or in the right of the Corporation in relation to matters as to which it shall be adjudged
in such action, suit or proceeding that such director, officer, employee or agent is liable for negligence or misconduct in the performance
of his or her duties, unless a court of competent jurisdiction shall determine that, despite such adjudication, such person is fairly
and reasonably entitled to indemnification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)&nbsp; Without limitation of any right conferred
by paragraph (a)&nbsp;of this Section&nbsp;8.01, (i)&nbsp;any person made, or threatened to be made, a party to any threatened, pending
or completed action, suit or proceeding, whether civil, criminal, administrative or investigative, by reason of the fact that he or she,
his or her testator or his or her intestate is or was a director, officer, employee or agent of the Corporation or a Predecessor and is
or was serving as a fiduciary of, or otherwise rendering services to, any employee benefit plan of, or relating to the Corporation or
a Predecessor, shall be indemnified by the Corporation, and (ii)&nbsp;any person made, or threatened to be made, a party to such an action,
suit or proceeding, by reason of the fact that he or she, his or her testator or his or her intestate is or was serving as a director,
officer, employee or agent at the request of the Corporation or an Affiliate, and is or was serving as a fiduciary of, or otherwise rendering
services to, any employee benefit plan of, or relating to such Affiliate, may, at the discretion of the Board of Directors, be indemnified
by the Corporation, in each case, against expenses (including attorneys&rsquo; fees), judgments, fines, excise taxes and amounts paid
in settlement actually and reasonably incurred by him or her in connection with such action, suit or proceeding, or in connection with
any appeal therein; <U>provided</U> that such person acted in good faith and in a manner he or she reasonably believed to be in, or not
opposed to, the best interests of the Corporation, Predecessor or Affiliate, as the case may be, or with respect to a criminal action
or proceeding, had no reasonable cause to believe his or her conduct was unlawful; except in the case of an action, suit or proceeding
by or in the right of the Corporation in relation to matters as to which it shall be adjudged in such action, suit or proceeding that
such director, officer, employee or agent is liable for negligence or misconduct in the performance of his or her duties, unless a court
of competent jurisdiction shall determine that, despite such adjudication, such person is fairly and reasonably entitled to indemnification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">The foregoing rights of indemnification shall not
be deemed exclusive of any other rights to which any director, officer, employee or agent may be entitled or of any power of the Corporation
apart from the provisions of this Section&nbsp;8.01.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;8.02. <U>Insurance for Indemnification</U>.
The Corporation may purchase and maintain insurance for the indemnification of the Corporation and the directors, officers, employees
and agents of the Corporation to the full extent and in the manner permitted by the applicable laws of the United States and the State
of Iowa from time to time in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;IX</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Waiver
of Notice</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;9.01. Whenever any notice is required
to be given by these Bylaws or the Articles of Incorporation of the Corporation or the Iowa Business Corporation Act, the person entitled
thereto may, in person or by attorney thereunto authorized, in writing or other form of recorded communication, waive such notice, whether
before or after the meeting or other matter in respect of which such notice is given, and in such event such notice need not be given
to such person and such waiver shall be deemed equivalent to such notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE&nbsp;X</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Amendments</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">SECTION&nbsp;10.01. Any Bylaw (including these Bylaws)
may be adopted, amended or repealed by the Board of Directors or by the shareholders in any manner not inconsistent with the terms of
any preferred stock of the Corporation then-outstanding, the Iowa Business Corporation Act or the Articles of Incorporation of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<SEQUENCE>4
<FILENAME>tm2413201d1_ex10-1.htm
<DESCRIPTION>EXHIBIT 10.1
<TEXT>
<HTML>
<HEAD>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">April 30, 2024</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dear Anant:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This letter (this &ldquo;<U>Letter</U>&rdquo;)
memorializes the terms of the termination of your employment with American Equity Investment Life Holding Company (the &ldquo;<U>Company</U>&rdquo;)
and its subsidiaries, effective as of and subject to the occurrence of the closing (the &ldquo;<U>Closing</U>&rdquo;) of the merger contemplated
by that certain Agreement and Plan of Merger (the &ldquo;<U>Merger Agreement</U>&rdquo;), dated as of July&nbsp;4, 2023, among the Company,
Brookfield Reinsurance Ltd. (&ldquo;<U>Parent</U>&rdquo;), Arches Merger Sub Inc., and, solely for the limited purposes set forth in the
Merger Agreement, Brookfield Asset Management Ltd.&nbsp; Capitalized terms used but not defined in this Letter shall have the meanings
ascribed to such terms in the Merger Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Termination
of Employment</U>. Your employment with the Company and its subsidiaries will terminate effective as of and subject to the occurrence
of the Closing. Such termination of your employment will constitute a termination by the Company other than for Cause or by you for Good
Reason for purposes of your (i)&nbsp;Change in Control Agreement with the Company (the &ldquo;<U>CIC Agreement</U>&rdquo;) and (ii)&nbsp;the
award agreement (the &ldquo;<U>2024 Company RSUs Award Agreement</U>&rdquo;), dated as of February&nbsp;29, 2024, in respect of the 99,028
Company RSUs granted to you on such date (the &ldquo;<U>2024 Company RSUs</U>&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Severance
Benefits</U>. Accordingly, you shall receive the following payments and benefits under Section&nbsp;4 of the CIC Agreement:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">A
cash lump sum of $3,000,000, representing three times your annual base salary as in effect immediately prior to the Merger ($1,000,000),
payable within five days of the Closing;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">A
cash lump sum of $6,000,000, representing three times your target annual cash bonus as in effect immediately prior to the Merger ($2,000,000
or 200% of your annual base salary), payable within five days of the Closing;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">A
cash lump sum equal to $1,344,262, representing the annual bonus that you would receive for 2024, pro-rated by <U>multiplying</U> such
bonus amount by the fraction obtained by <U>dividing</U> the number of days in 2024 through the Closing Date <U>by</U> 365, based on actual
performance, payable at the same time bonuses are paid to other Company executives (but no later than March&nbsp;15, 2025); and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt">Continued
health insurance, dental insurance and life insurance benefits for three years following the Closing Date for you and your family at least
equal to what would have been provided under the plans, programs, practices and policies of the Company as in effect and applicable generally
to other peer executives and their families during the 90-day period immediately preceding the Closing Date; <U>provided</U>, <U>however</U>,
that if you become re-employed with another employer and are eligible to receive medical or other welfare benefits under another employer
provided plan, the medical and other welfare benefits provided under the CIC Agreement will be secondary to those provided under such
other plan during such applicable period of eligibility.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Company
Awards</U>. You shall receive payment of the 2024 Company RSUs in cash in accordance with Section&nbsp;11(a)&nbsp;of the 2024 Company
RSUs Award Agreement. Your other outstanding Company Awards are set forth on <U>Exhibit&nbsp;A</U> hereto and shall be treated in accordance
with Section&nbsp;3.3(a)-(d)&nbsp;of the Merger Agreement, as described further below. Pursuant to the Merger Agreement, all cash amounts
payable in respect of your Company Options, Company RSUs (other than the 2024 Company RSUs), Company PSUs and Company Restricted Stock
shall be paid, less applicable withholdings, by the Surviving Company or any of its Subsidiaries through their payroll systems as promptly
as reasonably practicable after the Effective Time, but in no event later than the second regularly scheduled payroll date following the
Effective Time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Company
Options</U>. Each outstanding and unexercised Company Option will be canceled and converted into the right to receive a cash payment,
without interest, equal to the product of (i)&nbsp;the number of shares of Common Stock subject to such Company Option immediately prior
to the Effective Time and (ii)&nbsp;the excess, if any, of $55 over the exercise price per share of such Company Option.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Company
RSUs</U>. Each outstanding Company RSU, other than the 2024 Company RSUs, will be canceled and converted into the right to receive a cash
payment, without interest, equal to the product of (i)&nbsp;the number of shares of Common Stock subject to such Company RSU immediately
prior to the Effective Time and (ii)&nbsp;$55.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Company
PSUs</U>. Each outstanding Company PSU will be canceled and converted into the right to receive a cash payment, without interest, equal
to the product of:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&#8239;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Other
than the VWAP PSUs</U>: (x)&nbsp;the number of shares of Common Stock subject to such Company PSU immediately prior to the Effective Time
based on performance at (i)&nbsp;for Company PSUs granted in 2022, 200% of target and (ii)&nbsp;for Company PSUs granted in 2023, 100%
of target (which, in each case, represents the greater of target and actual performance as reasonably determined by the Compensation and
Talent Management Committee of the Company Board immediately prior to the Effective Time) and (y)&nbsp;$55.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#8239;(ii)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>VWAP
PSUs</U>: (x)&nbsp;the number of shares of Common Stock subject to such Company PSU immediately prior to the Effective Time based on attainment
of performance goals based on $55 and (y)&nbsp;$55. Because each of Tranche A (having a VWAP Objective of $45), Tranche B (having a VWAP
Objective of $50) and Tranche C (having a VWAP Objective of $55) of the VWAP PSUs has previously attained the corresponding stock price
milestone, no Tranche of the VWAP PSUs shall performance-vest in accordance with the Merger Agreement at the Effective Time. For the avoidance
of doubt, the time-based vesting requirements with respect to the Company Restricted Stock issued upon settlement of the VWAP PSUs will
lapse at the Effective Time, and such Company Restricted Stock will be paid to you as described in Section&nbsp;3(d)&nbsp;of this Letter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Company
Restricted Stock</U>. Each Company Restricted Stock award (including, for the avoidance of doubt, any outstanding Company Restricted Stock
previously issued upon settlement of the VWAP PSUs) will have any restrictions thereon lapse and be converted into the right to receive
a cash payment, without interest, equal to the product of (i)&nbsp;the number of shares of Company Restricted Stock subject to such award
immediately prior to the Effective Time and (ii)&nbsp;$55.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Transaction
Incentive</U>. The Transaction Incentive in an amount equal to $13,040,000 awarded to you by the Compensation and Talent Management Committee
of the Company Board, $12,000,000 of which is intended to represent the amount that would have vested and been payable upon satisfaction
of the VWAP Objective applicable to Tranche D of the VWAP PSUs, shall be paid to you in a cash lump sum on or within 30 days following
the Closing. By accepting this Letter, you acknowledge and agree that payment of the Transaction Incentive will be in full satisfaction
of any and all rights under Tranche D of the VWAP PSUs.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>280G
Gross-up</U>. You shall remain eligible to receive a 280G Gross-Up in accordance with the terms of that certain letter agreement, dated
as of or around the date hereof, between you and the Company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Company
ESOP; Deferred Long-Term Incentive Cash Plan</U>. Your account balances under each of the Company ESOP and the Company&rsquo;s Deferred
Long-Term Incentive Cash Plan shall be treated in accordance with the terms thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Restrictive
Covenants</U>. The Company, on behalf of itself, its subsidiaries and affiliates, acknowledges that, as of and following the Closing,
the restrictive covenants under the CIC Agreement or any other Company Plan (including, without limitation, any award agreement in respect
of any Company Award) (&ldquo;<U>Prior Restrictive Covenants</U>&rdquo;) shall not apply. This Section&nbsp;7 of this Letter supersedes
any Prior Restrictive Covenants, which are hereby terminated and cancelled. For the avoidance of doubt, the Advisory Agreement, dated
as of July&nbsp;4, 2023, between you and Parent, including the restrictive covenants contained therein, will remain in full force and
effect in accordance with its terms.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Withholding</U>.
The Company will have the right to deduct from all benefits and/or payments made under this Letter to you any and all taxes required by
law to be paid or withheld with respect to such benefits or payments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Amendment</U>.
This Letter may be amended, superseded, canceled, renewed or extended, and the terms and conditions hereof may be waived, only by a written
instrument signed by the parties hereto or, in the case of a waiver, by the party waiving compliance.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>General
Provisions</U>. Sections 13, 14 15 and 21 of the CIC Agreement are incorporated by reference herein, <I>mutatis mutandis</I>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<FONT STYLE="font-size: 10pt"><U>Miscellaneous</U>.
If the Closing does not occur for any reason, then this Letter shall be null and void <I>ab initio</I>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Thank you for your service
to the Company and its subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Sincerely,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">AMERICAN EQUITY INVESTMENT LIFE HOLDING COMPANY</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">/s/ Kate Etinger</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 3%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 47%"><FONT STYLE="font-size: 10pt">Name: Kate Etinger</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: Executive Vice President and Chief People Officer</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%"><FONT STYLE="font-size: 10pt">Accepted and Agreed:</FONT></TD>
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">/s/ Anant Bhalla</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">ANANT BHALLA</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Date: April 30, 2024</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature page to CEO
Separation Letter</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Exhibit&nbsp;A</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Outstanding Company Awards (other than 2024
Company RSUs)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Grant Date</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Award Type</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Number</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Exercise Price (if applicable)</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 25%; font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">1/27/2020</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 24%; font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Company Options</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 22%; text-align: right">50,000</TD><TD STYLE="width: 1%; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 22%; text-align: right">26.70</TD><TD STYLE="width: 1%; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">1/4/2021</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Company Options</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">43,524</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">26.72</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">2/25/2021</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Company Options</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">32,082</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">27.40</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">2/23/2022</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Company RSUs</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">24,410</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">2/23/2022</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Company PSUs</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">67,128</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">*</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">11/29/2022</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Company Restricted Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">166,667</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">11/29/2022</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Tranche D of the VWAP PSUs</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100,000</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">1/2/2023</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Company Restricted Stock</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">166,666</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">1/2/2023</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Tranche D of the VWAP PSUs</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100,000</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">2/23/2023</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Company RSUs</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">17,675</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">2/23/2023</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">Company PSUs</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">72,909</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">**</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  </TABLE>


<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">* Amount reflects 100% of target. Settling
at 200% of target (134,256 Company PSUs) based on performance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">** Settling at 100% of target based on performance.</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>5
<FILENAME>tm2413201d1_ex10-2.htm
<DESCRIPTION>EXHIBIT 10.2
<TEXT>
<HTML>
<HEAD>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.2</B><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>[</B></FONT>AEL
Letterhead<B>]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 10pt"><B>[</B></FONT>Date<B>]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>[</B></FONT>Name<B>]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>[</B></FONT>Address<B>]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B>[</B></FONT>Address<B>]</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dear <B>[Name]</B>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This letter (this &ldquo;<U>Agreement</U>&rdquo;)
confirms certain payment and reimbursement treatment approved by the Compensation and Talent Management Committee of the Board of Directors
of American Equity Investment Life Holding Company (the &ldquo;<U>Company</U>&rdquo;) in connection with the merger (the &ldquo;<U>Merger</U>&rdquo;)
between the Company and Brookfield Reinsurance Ltd. (&ldquo;<U>Parent</U>&rdquo;) with respect to certain payments that you may become
entitled to receive in connection with the Merger. Capitalized terms used but not otherwise defined in this Agreement have the meanings
given to such terms in the Agreement and Plan of Merger (the &ldquo;<U>Merger Agreement</U>&rdquo;), dated as of July&nbsp;4, 2023, among
the Company, Parent, Arches Merger Sub Inc. and solely for the purposes set forth therein, Brookfield Asset Management Ltd. In the event
that the Merger Agreement terminates pursuant to its terms prior to the closing of the Merger (the &ldquo;<U>Closing</U>&rdquo;), this
Agreement will terminate and be of no force or effect.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0 0pt 0.5in"><FONT STYLE="font-size: 10pt">1.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Reimbursement
Payments</U>.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Notwithstanding anything
to the contrary in your Change in Control Agreement with the Company or any other Company Plan, in the event that it shall be determined
that any payment, award, benefit or distribution (or any acceleration of any payment, award, benefit or distribution) by the Company or
any of its affiliated entities (including their respective successors) to or for your benefit (the &ldquo;<U>Payments</U>&rdquo;) would
be subject to the excise tax imposed by Section&nbsp;4999 of the Internal Revenue Code of 1986, as amended (the &ldquo;<U>Code</U>&rdquo;),
or any interest or penalties are incurred by you with respect to such excise tax (such excise tax, together with any such interest and
penalties, the &ldquo;<U>Excise Tax</U>&rdquo;), then the Company shall pay you an additional payment </FONT>(which, for this purpose,
includes withholding and remittance of taxes by Parent, the Company or any of their Affiliates on your behalf) (a &ldquo;<U>Reimbursement
Payment</U>&rdquo;) in an amount such that after payment by you of all taxes (including, without limitation, any income and employment
taxes and any interest and penalties imposed with respect thereto, and any excise tax imposed upon the Reimbursement Payment), you retain
an amount of the Reimbursement Payment equal to the Excise Tax imposed upon the Payments (so as to put you in the same after-tax position
as if no such Excise Tax had been imposed upon the Payments).</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of determining the amount of the Reimbursement
Payment, you shall be deemed to pay (a)&nbsp;federal income taxes at the highest marginal rates of federal income taxation for the calendar
year in which the Reimbursement Payment is to be made and (b)&nbsp;applicable state and local income taxes at the highest marginal rate
of taxation for the calendar year in which the Reimbursement Payment is to be made.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Reimbursement Payment with respect to any Payment
will be made as soon as reasonably practicable following such Payment and in no event later than 10 days following such Payment.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-size: 10pt">2.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Calculation
Firm Determinations</U>.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">You and the Company agree that the determinations
necessary to be made under Section&nbsp;1 of this Agreement, including whether and when a Reimbursement Payment is required, the amount
of such Reimbursement Payment and the assumptions to be utilized in arriving at such determinations, will be based on the calculations
prepared by Golden Parachute Tax Solutions LLC (the &ldquo;<U>Calculation Firm</U>&rdquo;). The Calculation Firm shall provide detailed
supporting calculations both to you and the Company within fifteen (15) business days of the receipt of notice from you or the Company
that there has been a Payment, or such earlier time as is requested by the Company (collectively, the &ldquo;<U>Determination</U>&rdquo;).
Except as set forth in the case of a claim made by a Taxing Authority (as defined below), the Determination shall be binding upon you
and the Company and neither you nor the Company shall take a tax reporting position that is inconsistent with the Determination.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-size: 10pt">3.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Underpayment;
Overpayment</U>.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As a result of the uncertainty in the application
of Section&nbsp;4999 of the Code at the time of the Determination, it is possible that Reimbursement Payments which will not have been
made by the Company to you or on your behalf should have been made to you or on your behalf (&ldquo;<U>Underpayment</U>&rdquo;), consistent
with the calculations required to be made hereunder. In the event that, after the Company exhausts its remedies pursuant to Section&nbsp;4
of this Agreement, the amount of the Reimbursement Payment is less than the amount necessary to reimburse you for your Excise Tax, the
Calculation Firm shall determine the amount of the Underpayment that has occurred and any such Underpayment (together with interest at
the rate provided in Section&nbsp;1274(b)(2)(B)&nbsp;of the Code) shall be promptly paid by the Company to you or to a Taxing Authority
on your behalf. If, after receipt of a Reimbursement Payment, you become entitled to receive any refund with respect to the Excise Tax
to which such Reimbursement Payment relates, you shall promptly pay to the Company the amount of any such refund.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-size: 10pt">4.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Claims
Procedures</U>.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">You are required to notify the Company in writing
of any written claim by the Internal Revenue Service or any state or local taxing authority (a &ldquo;<U>Taxing Authority</U>&rdquo;)
that, if successful, would require you to pay an Excise Tax such that your aggregate liability for all Excise Taxes would exceed any Reimbursement
Payments previously determined by the Calculation Firm to be due and that were paid to you or to any Taxing Authority on your behalf.
Such notification shall be given to the Company as soon as practicable, but in any event no later than five (5)&nbsp;business days after
you receive written notice of such claim by the Taxing Authority. You are required to provide the Company a copy of the notice of claim
by the Taxing Authority and the date set forth in the claim that the Taxing Authority specifies as the due date for payment of such claim.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in">You may not pay such claim prior to the expiration
of the thirty (30) day period following the date on which you give such written notice to the Company (or such shorter period ending on
the date that any payment of taxes with respect to such claim is due). If the Company does not notify you in writing prior to the expiration
of such thirty (30) day period that the Company desires to contest such claim, the Company shall, within fifteen (15) business days after
the expiration of such thirty (30) day period, pay to you or to any Taxing Authority on your behalf the amount claimed to be due by the
Taxing Authority, such that, on an after-tax basis, you are held harmless for any Excise Tax.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If the Company notifies you in writing prior to
the expiration of such thirty (30) day period that it desires to contest such claim, the Company shall control the defense of any such
claims or disputes and bear all costs related to the defense thereof. In furtherance of the foregoing, you shall (a)&nbsp;give the Company
any information reasonably requested by the Company relating to such claim, (b)&nbsp;take such action in connection with contesting such
claim as the Company shall reasonably request in writing from time to time and (c)&nbsp;cooperate with the Company in good faith in order
effectively to contest such claim. Without limiting the foregoing, the Company, in its sole discretion, may (x)&nbsp;pursue or forgo any
and all administrative appeals, proceedings, hearings and conferences with the Taxing Authority in respect of such claim and (y)&nbsp;either
pay the tax claimed to the appropriate Taxing Authority on behalf of you and direct you to sue for a refund or contest the claim in any
permissible manner, it being understood that you agree to prosecute such contest to a determination before any administrative tribunal,
in a court of initial jurisdiction and in one or more appellate courts, as the Company shall determine. The Company shall bear and pay
directly all costs and expenses (including additional taxes, interest and penalties and reasonable professional fees) incurred in connection
with such contest, and shall indemnify and hold you harmless, on an after-tax basis, for any Excise Tax or any other tax (including interest
or penalties thereon) imposed and any such costs and expenses incurred by you as a result of such contest.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-size: 10pt">5.</FONT>&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;<U>Miscellaneous</U>.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The validity, interpretation,
construction and performance </FONT>of this Agreement shall in all respects be governed by the laws of the State of Iowa, without reference
to principles of conflict of law, and will be binding on any successor to the Company. As used in this Agreement, &ldquo;Company&rdquo;
shall mean the Company as hereinbefore defined and any successor to its business and/or assets as aforesaid which assumes this Agreement
by operation of law, or otherwise (including, after the Closing, Parent and its affiliates).</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Agreement is intended to comply with the requirements
of Section&nbsp;409A of the Code (to the extent applicable) and shall be interpreted, operated and administered accordingly. Each payment
under this Agreement will be treated as a separate payment for purposes of Section&nbsp;409A of the Code.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Agreement may be executed in one or more counterparts,
each of which shall be deemed to be an original but all of which together will constitute one and the same agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">[<I>Remainder of page&nbsp;intentionally blank</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We thank you for your service and contributions
to the success of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sincerely,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>[</B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">Name<B>]</B><BR>
<B>[</B>Title<B>]</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acknowledged and agreed on the date first written above:</FONT></TD>
    <TD STYLE="width: 50%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>[Employee Name]</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page to Form
of Tax Reimbursement Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>6
<FILENAME>tm2413201d1_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Exhibit 99.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2413201d1_ex99-1img004.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Brookfield Reinsurance Completes Acquisition
of AEL</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt"><B>BROOKFIELD, NEWS,
May&nbsp;2, 2024</B></FONT> &ndash; Brookfield Reinsurance and American Equity Investment Life Holding Company (&ldquo;AEL&rdquo;) today
announced the completion of Brookfield Reinsurance&rsquo;s acquisition of AEL in a cash and stock transaction valued at $56.50 per AEL
share. AEL&rsquo;s leading fixed annuity business bolsters Brookfield Reinsurance&rsquo;s expanding insurance operations and increases
its insurance assets under management to over $100 billion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">Jon Bayer, Managing
Partner at Brookfield Reinsurance said, &ldquo;We are excited to welcome AEL to our organization as we continue to grow, diversify and
scale our retirement services capabilities.&nbsp;AEL&rsquo;s strong franchise and track record of serving policyholders and distribution
partners, coupled with the scale of our existing platform and offerings, will position us well for the next phase of growth</FONT>.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Brookfield Reinsurance expects to maintain AEL&rsquo;s
headquarters in Des Moines,&nbsp;Iowa, and its growth in the fixed annuity business over time should increase jobs in Iowa. Brookfield
Reinsurance also looks forward to supporting the greater Des Moines area, including through maintaining AEL&rsquo;s existing charitable
contributions and through Brookfield&rsquo;s broader charitable foundation and other charitable initiatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>* * * * *</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><B>Advisors</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Barclays served as lead financial advisor to Brookfield
Reinsurance and BMO Capital Markets also acted as an advisor to Brookfield Reinsurance on this transaction. Cravath, Swaine&nbsp;&amp;
Moore LLP served as legal advisor to Brookfield Reinsurance and Debevoise&nbsp;&amp; Plimpton LLP served as Brookfield Reinsurance&rsquo;s
insurance legal counsel. Torys LLP served as legal advisor to Brookfield Asset Management.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Ardea Partners and J.P. Morgan served as financial
advisors and Sullivan&nbsp;&amp; Cromwell LLP acted as legal advisor to AEL on this transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><B>About
Brookfield Reinsurance</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt; background-color: white">Brookfield
Reinsurance Ltd.</FONT><FONT STYLE="background-color: white"><B>&nbsp;</B>(NYSE; TSX: BNRE, BNRE.A) operates a leading capital solutions
business providing insurance and reinsurance services to individuals and institutions. Each class A exchangeable limited voting share
and each class A-1 exchangeable non-voting share of&nbsp;Brookfield Reinsurance&nbsp;are exchangeable on a one-for-one basis with a class
A limited voting share of&nbsp;Brookfield Corporation. (NYSE/TSX: BN).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt">For more information,
please visit our website at </FONT><FONT STYLE="font-size: 10pt; text-decoration: underline">bnre.brookfield.com</FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><B>About
American Equity Life</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-size: 10pt; background-color: white">American
Equity Investment Life Holding Company is a leading provider of fixed rate and fixed index annuity products with over 40,000 independent
agents and advisors affiliated with independent market organizations (IMOs), banks and broker-dealers. American Equity is headquartered
in Des Moines,&nbsp;Iowa and is licensed to sell in 50 states and the District of Columbia. For more information, please visit </FONT><FONT STYLE="text-decoration: underline; background-color: white">https://www.american-equity.com/</FONT><FONT STYLE="background-color: white">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 49%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Brookfield Contacts:</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Media:</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Kerrie McHugh</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Tel: (212) 618-3469</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Email: </FONT><FONT STYLE="text-decoration: underline">kerrie.mchugh@brookfield.com</FONT></P></TD>
    <TD STYLE="vertical-align: bottom; width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 48%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Investor Relations:</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Rachel Powell<BR>
    Tel: (416) 956-5141<BR>
    Email: </FONT><FONT STYLE="text-decoration: underline">rachel.powell@brookfield.com</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>AEL Contacts:</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Steven D. Schwartz</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Tel: (515) 273-3763</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">Email: </FONT><FONT STYLE="text-decoration: underline">sschwartz@american-equity.com</FONT></P></TD>
    <TD STYLE="vertical-align: bottom; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Cautionary Notice Regarding Forward-Looking
Statements</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><I>Neither
Brookfield Reinsurance nor AEL are making any offer or invitation of any kind by communication of this news release and under no circumstance
is it to be construed as a prospectus or an advertisement.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><I>This
news release and any related oral statements made by our representatives may contain &ldquo;forward-looking information&rdquo; within
the meaning of Canadian provincial securities laws and &ldquo;forward-looking statements&rdquo; within the meaning of Canadian provincial
securities laws and &ldquo;forward-looking statements&rdquo; within the meaning of the U.S. Securities Act of 1933, the U.S. Securities
Exchange Act of 1934, and &ldquo;safe harbor&rdquo; provisions of the United States Private Securities Litigation Reform Act of 1995 and
in any applicable Canadian securities regulations. Forward-looking statements include statements that are predictive in nature, depend
upon or refer to future events or conditions, include statements which reflect management&rsquo;s expectations regarding the operations,
business, financial condition, expected financial results, performance, prospects, opportunities, priorities, targets, goals, ongoing
objectives, strategies and outlook of Brookfield Reinsurance, AEL and Brookfield Reinsurance&rsquo;s other subsidiaries, as well as the
outlook for North American and international economies for the current fiscal year and subsequent periods. In particular, statements regarding
our plans for the business, including future growth, constitute forward-looking statements. In some cases, forward-looking statements
can be identified by the use of forward-looking terminology such as &ldquo;expects,&rdquo; &ldquo;anticipates,&rdquo; &ldquo;plans,&rdquo;
 &ldquo;believes,&rdquo; &ldquo;estimates,&rdquo; &ldquo;seeks,&rdquo; &ldquo;intends,&rdquo; &ldquo;targets,&rdquo; &ldquo;projects,&rdquo;
 &ldquo;forecasts&rdquo; or negative versions thereof and other similar expressions, or future or conditional verbs such as &ldquo;may,&rdquo;
 &ldquo;will,&rdquo; &ldquo;should,&rdquo; &ldquo;would&rdquo; and &ldquo;could.&rdquo; In particular, the forward-looking statements contained
in this news release include statements referring to the future state of the economy or the securities market and expected future deployment
of capital and financial earnings.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><I>Although
we believe that our anticipated future results, performance or achievements expressed or implied by the forward-looking statements and
information are based upon reasonable assumptions and expectations, the reader should not place undue reliance on forward-looking statements
and information because they involve known and unknown risks, uncertainties and other factors, many of which are beyond our control, which
may cause the actual results, performance or achievements of Brookfield Reinsurance or AEL to differ materially from anticipated future
results, performance or achievement expressed or implied by such forward-looking statements and information.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><I>Factors
that could cause actual results to differ materially from those contemplated or implied by forward-looking statements include, but are
not limited to: (i)&nbsp;investment returns that are lower than target; (ii)&nbsp;the impact or unanticipated impact of general economic,
political and market factors in the countries in which we do business; (iii)&nbsp;the behavior of financial markets, including fluctuations
in interest and foreign exchange rates; (iv)&nbsp;global equity and capital markets and the availability of equity and debt financing
and refinancing within these markets; (v)&nbsp;strategic actions including dispositions; the ability to complete and effectively integrate
acquisitions into existing operations and the ability to attain expected benefits; (vi)&nbsp;changes in accounting policies and methods
used to report financial condition (including uncertainties associated with critical accounting assumptions and estimates); (vii)&nbsp;the
ability to appropriately manage human capital; (viii)&nbsp;the effect of applying future accounting changes; (ix)&nbsp;business competition;
(x)&nbsp;operational and reputational risks; (xi)&nbsp;technological change; (xii)&nbsp;changes in government regulation and legislation
within the countries in which we operate; (xiii)&nbsp;governmental investigations; (xiv)&nbsp;litigation; (xv)&nbsp;changes in tax laws;
(xvi)&nbsp;ability to collect amounts owed; (xvii)&nbsp;catastrophic events, such as earthquakes, hurricanes and epidemics/pandemics;
(xviii)&nbsp;the possible impact of international conflicts and other developments including terrorist acts and cyberterrorism; (xix)&nbsp;the
introduction, withdrawal, success and timing of business initiatives and strategies; (xx)&nbsp;the failure of effective disclosure controls
and procedures and internal controls over financial reporting and other risks; (xxi)&nbsp;health, safety and environmental risks; (xxii)&nbsp;the
maintenance of adequate insurance coverage; (xxiii)&nbsp;the existence of information barriers between certain businesses within our asset
management operations; (xxiv)&nbsp;risks specific to our business segments including our real estate, renewable power, infrastructure,
private equity, and other alternatives, including credits; and (xxv)&nbsp;factors detailed from time to time in our documents filed with
the securities regulators in Canada and the United States.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><I>We caution
that the foregoing list of important factors that may affect future results is not exhaustive and other factors could also adversely affect
its results. Readers are urged to consider the foregoing risks, as well as other uncertainties, factors and assumptions carefully in evaluating
the forward-looking information and are cautioned not to place undue reliance on such forward-looking information. Except as required
by law, neither Brookfield Reinsurance nor AEL undertakes any obligation to publicly update or revise any forward-looking statements or
information, whether written or oral, that may be as a result of new information, future events or otherwise.</I></FONT></P>

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performance is not indicative nor a guarantee of future results. There can be no assurance that comparable results will be achieved in
the future, that future investments will be similar to the historic investments discussed herein (because of economic conditions, the
availability of investment opportunities or otherwise), that targeted returns, diversification or asset allocations will be met or that
an investment strategy or investment objectives will be achieved.</I></FONT></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>9
<FILENAME>ael-20240430_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodStartDate_lbl" xml:lang="en-US">Document Period Start Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US">Document Fiscal Period Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US">Document Fiscal Year Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine3" xlink:label="dei_EntityAddressAddressLine3" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US">Entity Address, Address Line Three</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>10
<FILENAME>ael-20240430_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
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<html>
<head>
<title></title>
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<span style="display: none;">v3.24.1.u1</span><table class="report" border="0" cellspacing="2" id="idm140026365172400">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Apr. 30, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Apr. 30,  2024<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-31911<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">AMERICAN EQUITY INVESTMENT LIFE HOLDING CO<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001039828<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">42-1447959<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">IA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">6000
    Westown Parkway<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">West
    Des Moines<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">IA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">50266<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">515<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">221-0002<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common
stock, par value $1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">AEL<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember', window );">Series A Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/1,000th interest in a share of 5.95% Fixed-Rate Reset Non-Cumulative Preferred Stock,
Series A<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">AELPRA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary
    Shares, each representing a 1/1,000th interest in a share of 6.625% Fixed-Rate Reset Non-Cumulative Preferred Stock, Series
    B<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">AELPRB<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>14
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