<SEC-DOCUMENT>0001104659-25-062604.txt : 20250625
<SEC-HEADER>0001104659-25-062604.hdr.sgml : 20250625
<ACCEPTANCE-DATETIME>20250625163716
ACCESSION NUMBER:		0001104659-25-062604
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20250624
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20250625
DATE AS OF CHANGE:		20250625

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			American National Group Inc.
		CENTRAL INDEX KEY:			0001039828
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		ORGANIZATION NAME:           	02 Finance
		EIN:				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:		251074092

	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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AMERICAN EQUITY INVESTMENT LIFE HOLDING CO
		DATE OF NAME CHANGE:	19990414
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<p style="margin: 0">&#160;</p>

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<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>

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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-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">Not Applicable</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
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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">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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<td style="width: 0.25in; text-align: left"><span style="font: 10pt Wingdings"><span style="font-family: Wingdings"><span id="xdx_901_edei--SolicitingMaterial_c20250624__20250624_zktHATkcLx3j"><ix:nonNumeric contextRef="AsOf2025-06-24" format="ixt:booleanfalse" id="Fact000023" name="dei:SolicitingMaterial">&#168;</ix:nonNumeric></span></span></span></td><td style="text-align: justify"><span style="font-size: 10pt">Soliciting material pursuant
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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 <br/>
exchange on <br/>
which registered</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_908_edei--EntityEmergingGrowthCompany_c20250624__20250624_zJvxrwfS2sI4"><ix:nonNumeric contextRef="AsOf2025-06-24" format="ixt:booleanfalse" id="Fact000032" 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">&#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: 10%; font-size: 10pt"><b>Item 1.01</b></td>
    <td style="width: 90%; font-size: 10pt"><b>Entry into a Material Definitive Agreement.</b></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; text-indent: 0.5in">On June 24, 2025, American National Group Inc.
(the &#8220;Company&#8221;) entered into an underwriting agreement (the &#8220;Underwriting Agreement&#8221;) with Wells Fargo Securities,
LLC, BNP Paribas Securities Corp. and RBC Capital Markets, LLC, as representatives for the several underwriters (the &#8220;Underwriters&#8221;),
pursuant to which the Company agreed to issue and sell to the Underwriters $700,000,000 aggregate principal amount of the Company&#8217;s
6.000% Senior Notes due 2035 in a registered public offering (the &#8220;Offering&#8221;) pursuant to the Company&#8217;s shelf
registration statement on Form S-3 (Registration No. 333-281155). The Company intends to use the net proceeds of the Offering to repay
a portion of the outstanding indebtedness under its term loan credit facility.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The description of the Underwriting Agreement contained herein is qualified
in its entirety by reference to the full text of the Underwriting Agreement, a copy of which is filed as Exhibit 1.1 hereto and incorporated
by reference herein.</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="font-size: 10pt; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Item 9.01</b></span></td>
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  </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"><span style="font-size: 10pt">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span>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%; border-collapse: collapse">
  <tr>
    <td style="vertical-align: top"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Exhibit<br/>
<span style="text-decoration: underline">No.</span></b></span></td>
    <td style="vertical-align: bottom; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline">Description</span></b></span></td></tr>
  <tr>
    <td style="vertical-align: top">&#160;</td>
    <td style="vertical-align: bottom; text-align: center">&#160;</td></tr>
  <tr style="vertical-align: top">
    <td><a href="tm2518608d5_ex1-1.htm"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.1</span></a></td>
    <td><a href="tm2518608d5_ex1-1.htm"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwriting Agreement, dated June 24, 2025, among American National Group Inc. and</span> Wells Fargo Securities, LLC, BNP Paribas Securities Corp. and RBC Capital Markets, LLC, as representatives for the several underwriters.</a></td></tr>
  <tr style="vertical-align: top">
    <td><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"><b>Cautionary Language Regarding Forward Looking Statements</b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This Current Report on Form 8-K contains forward-looking statements
that are based on current expectations of management of the Company. Such statements include expectations regarding the Offering, including
the net proceeds therefrom and the use of such proceeds. Such forward-looking statements are subject to certain risks, uncertainties and
assumptions, including prevailing market conditions and other factors. Should one or more of these risks or uncertainties materialize,
or should underlying assumptions prove incorrect, actual results may vary materially from those expected.</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; text-align: center"><b>SIGNATURE</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">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 cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <tr style="vertical-align: top">
    <td style="width: 50%">&#160;</td>
    <td style="padding-left: 132.55pt; text-align: justify; text-indent: -132.55pt; width: 50%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">AMERICAN NATIONAL GROUP INC.</span></td></tr>
  </table>
<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: 50%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Date: June 25, 2025</span></td>
    <td style="width: 3%; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</span></td>
    <td style="border-bottom: black 1pt solid; width: 47%; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Reza Syed</span></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reza Syed</span></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td style="text-align: justify">&#160;</td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief Financial Officer&#160;&amp; Executive Vice President</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"></p>

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<DOCUMENT>
<TYPE>EX-1.1
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<DESCRIPTION>EXHIBIT 1.1
<TEXT>
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<P STYLE="margin: 0">&#8239;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 1.1</B></P>

<P STYLE="margin: 0">&#8239;</P>

<P STYLE="text-align: right; margin: 0"><B><I><FONT>EXECUTION
VERSION</FONT></I></B></P>

<P STYLE="margin: 0">&#8239;</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; font-size: 10pt">$</FONT>700,000,000</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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; font-size: 10pt">$7</FONT>00,000,000
6.000% Senior Notes Due 2035</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June&#8239;</FONT>24,
2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Wells Fargo Securities, LLC<BR>
BNP Paribas Securities Corp.<BR>
RBC Capital Markets, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">c/o Wells Fargo Securities, LLC<BR>
550 South Tryon Street, 5th Floor<BR>
Charlotte, North Carolina 28202</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">c/o BNP Paribas Securities Corp.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">787 Seventh Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">New York, New York 10019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">c/o RBC Capital Markets, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Brookfield Place<BR>
200 Vesey Street, 8th Floor<BR>
New York, New York 10281</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">American
National Group Inc., a Delaware corporation (the </FONT>&ldquo;<U>Company</U>&rdquo;), proposes, subject to the terms and conditions stated
herein, to issue and sell to Wells Fargo Securities, LLC (&ldquo;<U>Wells Fargo</U>&rdquo;) and the other several underwriters named in
<U>Schedule I</U> (collectively, the &ldquo;<U>Underwriters</U>&rdquo;) to this agreement (this &ldquo;<U>Agreement</U>&rdquo;), acting
severally and not jointly, the respective principal amounts set forth in such <U>Schedule I</U> hereto of $700,000,000 aggregate principal
amount of the Company&rsquo;s 6.000% Senior Notes due 2035 (the &ldquo;<U>Securities</U>&rdquo;). Wells Fargo, BNP Paribas Securities
Corp. and RBC Capital Markets, LLC have agreed to act as the representatives of the several Underwriters (the &ldquo;<U>Representatives</U>&rdquo;)
in connection with the offering and sale of the Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">The
Securities will be issued pursuant to an indenture, dated as of October&#8239;2, 2024 (the </FONT>&ldquo;<U>Base Indenture</U>&rdquo;),
between the Company and Wilmington Trust, National Association, as trustee (in such capacity, the &ldquo;<U>Trustee</U>&rdquo;), as amended
by the Second Supplemental Indenture, to be dated as of the Closing Date (as defined below) (the &ldquo;<U>Second Supplemental Indenture</U>&rdquo;
and, together with the Base Indenture, the &ldquo;<U>Indenture</U>&rdquo;), between the Company and the Trustee. The Securities will be
issued only in book entry form in the name of Cede&#8239;&amp; Co., as nominee of The Depository Trust Company (the &ldquo;<U>Depositary</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Company hereby confirms
its agreement with the several Underwriters concerning the purchase and sale of the Securities, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Registration
Statement</U>. The Company has prepared and filed with the Securities and Exchange Commission (the &ldquo;<U>Commission</U>&rdquo;) under
the Securities Act of 1933, as amended, and the rules&#8239;and regulations of the Commission thereunder (collectively, the &ldquo;<U>Securities
Act</U>&rdquo;), a registration statement on Form&#8239;S-3 (File No.&#8239;333-281155), including a related base prospectus, relating to
certain securities, including the Securities. Such registration statement, as amended at the time it became effective, including the information,
if any, deemed pursuant to Rule&#8239;430A, 430B or 430C under the Securities Act to be part of the registration statement at the time
of its effectiveness (&ldquo;<U>Rule&#8239;430 Information</U>&rdquo;), is referred to herein as the &ldquo;<U>Registration Statement</U>&rdquo;;
and as used herein, the term &ldquo;<U>Base Prospectus</U>&rdquo; means the base prospectus included in the Registration Statement (and
any amendments thereto) at the time of effectiveness, the term &ldquo;<U>Preliminary Prospectus</U>&rdquo; means any preliminary prospectus
relating to the Securities filed with the Commission pursuant to Rule&#8239;424(b)&#8239;under the Securities Act, including the Base Prospectus
and any preliminary prospectus supplement thereto relating to the Securities that is used prior to the filing of the Prospectus, and the
term &ldquo;<U>Prospectus</U>&rdquo; means the final prospectus relating to the Securities filed with the Commission pursuant to Rule&#8239;424(b)&#8239;under
the Securities Act, including the Base Prospectus and any final prospectus supplement thereto relating to the Securities. Any reference
in this Agreement to the Registration Statement, any Preliminary Prospectus or the Prospectus shall be deemed to refer to and include
the documents incorporated by reference therein pursuant to Item 12 of Form&#8239;S-3 under the Securities Act, as of the effective date
of the Registration Statement or the date of such Preliminary Prospectus or the Prospectus, as the case may be, and any reference to &ldquo;amend,&rdquo;
 &ldquo;amendment&rdquo; or &ldquo;supplement&rdquo; with respect to the Registration Statement, any Preliminary Prospectus or the Prospectus
shall be deemed to refer to and include any documents filed after such date under the Securities Exchange Act of 1934, as amended, and
the rules&#8239;and regulations of the Commission thereunder (collectively, the &ldquo;<U>Exchange Act</U>&rdquo;) that are deemed to be
incorporated by reference therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">At
or prior to 4:20 p.m.&#8239;(New York time) on June&#8239;</FONT>24, 2025, the time when sales of the Securities were first made (the &ldquo;<U>Time
of Sale</U>&rdquo;), the Company had prepared the following information (collectively, the &ldquo;<U>General Disclosure Package</U>&rdquo;):
a Preliminary Prospectus dated June&#8239;24, 2025, and each &ldquo;<U>free-writing prospectus</U>&rdquo; (as defined pursuant to Rule&#8239;405
under the Securities Act) listed and attached as <U>Schedule II</U> hereto, including a pricing term sheet, dated June&#8239;24, 2025 (the
 &ldquo;<U>Term Sheet</U>&rdquo;), describing the terms of the Securities, each for use by such Underwriter in connection with its solicitation
of offers to purchase the Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">For
the purposes of this Agreement, the term </FONT>&ldquo;<U>Transactions</U>&rdquo; means, collectively, (i)&#8239;the issuance and sale
of the Securities, (ii)&#8239;the application of all or substantially all of the net proceeds from the offering of the Securities to repay
a portion of the outstanding indebtedness under the Company&rsquo;s Term Loan Credit Facility (as defined in the General Disclosure Package)
as set forth in the General Disclosure Package and the Prospectus and (iii)&#8239;the payment of all fees and expenses related to the foregoing.
This Agreement, the Indenture and the Securities are referred to herein as the &ldquo;<U>Transaction Documents</U>.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Purchase,
Sale and Delivery</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(a)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Purchase
of Securities</I>. The Company agrees to issue and sell to the Underwriters and on the basis of the representations, warranties and agreements
of the Company contained herein and subject to all of the terms and conditions of this Agreement, each of the Underwriters, severally
and not jointly, agrees to purchase from the Company the aggregate principal amount of Securities set forth opposite such Underwriter&rsquo;s
name on <U>Schedule I</U>, at a purchase price of 99.055% of the principal amount thereof plus accrued interest, if any, from June&#8239;27,
2025, to, but excluding, the Closing Date, payable on the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(b)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Offering
of Securities</I>. The Company understands that the Underwriters intend to make a public offering of the Securities as soon after the
effectiveness of this Agreement, as in the judgment of the Representatives is advisable, and initially to offer the Securities on the
terms set forth in the General Disclosure Package. The Company acknowledges and agrees that the Underwriters may offer and sell Securities
to or through any affiliate of an Underwriter and that any such affiliate may offer and sell Securities purchased by it to or through
any Underwriter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(c)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Closing</I>.
Payment for the Securities shall be made by wire transfer in federal (same day) funds to the account(s)&#8239;specified by the Company
to the Representatives against delivery to the nominee of the Depositary, for the account of the Underwriters, of one or more global notes
representing the Securities (collectively, the &ldquo;<U>Global Note</U>&rdquo;), with any transfer taxes payable in connection with the
sale of the Securities duly paid by the Company. The Global Note will be made available for inspection by the Representatives not later
than 1:00 p.m., New York City time, on the business day prior to the Closing Date. The time and date of such delivery and payment (the
 &ldquo;<U>Closing Date</U>&rdquo;) shall be at or around 10:00 a.m., New York City time, on June&#8239;27, 2025 or such other time and
date as the Underwriters and the Company may agree in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representations
and Warranties of the Company</U>. The Company hereby represents and warrants to each Underwriter that, as of the date hereof and as of
the Closing Date:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(a)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Registration
Statement and Prospectus</I>. The Registration Statement has been declared effective by the Commission. No order suspending the effectiveness
of the Registration Statement has been issued by the Commission and no proceeding for that purpose or pursuant to Section&#8239;8A of the
Securities Act against the Company or related to the offering of the Securities has been, to the knowledge of the Company, initiated or
threatened by the Commission; as of each applicable effective date of the Registration Statement and any amendment thereto, the Registration
Statement complied in all material respects with the Securities Act and the Trust Indenture Act of 1939, as amended, and the rules&#8239;and
regulations of the Commission thereunder (collectively, the &ldquo;<U>Trust Indenture Act</U>&rdquo;), and did not contain any untrue
statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements
therein not misleading; and as of the date of the Prospectus and any amendment or supplement thereto and as of the Closing Date, the Prospectus
will not contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein,
in the light of the circumstances under which they were made, not misleading; <U>provided</U> that the Company makes no representation
or warranty with respect to (i)&#8239;that part of the Registration Statement that constitutes the Statement of Eligibility and Qualification
(Form&#8239;T-1) of the Trustee under the Trust Indenture Act or (ii)&#8239;Underwriter Information (as defined below).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(b)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Preliminary
Prospectus</I>. No order preventing or suspending the use of any Preliminary Prospectus has been issued by the Commission, and the Preliminary
Prospectus included in the General Disclosure Package, at the time of filing thereof, complied in all material respects with the Securities
Act and did not contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements
therein, in the light of the circumstances under which they were made, not misleading; <U>provided</U> that the Company makes no representation
or warranty with respect to any statements or omissions made in reliance upon and in conformity with information relating to any Underwriter
furnished to the Company in writing by such Underwriter through the Representatives expressly for use in any Preliminary Prospectus, General
Disclosure Package or Prospectus, it being understood and agreed by the Company that the only such information furnished by the Underwriters
consists of the following information set forth or to be set forth in the Preliminary Prospectus and the Prospectus: the names of the
Underwriters appearing on the front and back cover and set forth in the table of underwriters under the first paragraph under the caption
 &ldquo;Underwriting (Conflicts of Interest)&rdquo;; the fifth paragraph under the caption &ldquo;Underwriting (Conflicts of Interest)&rdquo;;
the first paragraph under the caption &ldquo;Underwriting (Conflicts of Interest) &ndash; New Issue of Notes&rdquo;; and the first and
second paragraphs under the caption &ldquo;Underwriting (Conflicts of Interest) &ndash; Price Stabilization and Short Positions&rdquo;
(such information, collectively, &ldquo;<U>Underwriter Information</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(c)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>The
General Disclosure Package</I>. The General Disclosure Package, as of the Time of Sale, did not contain an untrue statement of a material
fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which
they were made, not misleading; <U>provided</U> that the Company makes no representation or warranty with respect to Underwriter Information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(d)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Issuer
Free Writing Prospectus</I>. The Company (including its agents and representatives, other than the Underwriters in their capacity as such)
has not prepared, made, used, authorized, approved or referred to and will not prepare, make, use, authorize, approve or refer to any
 &ldquo;written communication&rdquo; (as defined in Rule&#8239;405 under the Securities Act) that constitutes an offer to sell or solicitation
of an offer to buy the Securities (each such communication by the Company or its agents and representatives (other than a communication
referred to in clauses (i), (ii), (iii)&#8239;and (iv)&#8239;below), an &ldquo;<U>Issuer Free Writing Prospectus</U>&rdquo;) other than
(i)&#8239;any document not constituting a prospectus pursuant to Section&#8239;2(a)(10)(a)&#8239;of the Securities Act or Rule&#8239;134 under
the Securities Act, (ii)&#8239;the Registration Statement, (iii)&#8239;the Preliminary Prospectus, (iv)&#8239;the Prospectus, (v)&#8239;the
documents listed in Schedule II hereto, including the Term Sheet, which constitute part of the General Disclosure Package and (vi)&#8239;any
electronic road show or other written communications approved in writing in advance by the Representatives. Each such Issuer Free Writing
Prospectus complies in all material respects with the Securities Act, has been or will be (within the time period specified in Rule&#8239;433)
filed in accordance with the Securities Act (to the extent required thereby) and, when taken together with the Preliminary Prospectus
included in the General Disclosure Package, such Issuer Free Writing Prospectus, at the Time of Sale, did not, and at the Closing Date
will not, contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein,
in the light of the circumstances under which they were made, not misleading; <U>provided</U> that the Company makes no representation
or warranty with respect to Underwriter Information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(e)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Incorporated
Documents</I>. The documents incorporated by reference in each of the Registration Statement, the Prospectus and the General Disclosure
Package, when they were filed with the Commission, complied in all material respects with the requirements of the Exchange Act; and any
further documents so filed prior to the Closing Date and incorporated by reference in the Registration Statement, the Prospectus or the
General Disclosure Package, when such documents become effective or are filed with the Commission, as the case may be, will comply in
all material respects with the requirements of the Securities Act or the Exchange Act, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Due
Incorporation; Subsidiaries</I>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>The
Company has been duly incorporated and is a corporation validly existing and in good standing under the laws of its jurisdiction of incorporation
and, has full corporate power and authority to conduct all the activities conducted by it, to own or lease all the assets owned or leased
by it and to conduct its business as described in each of the Registration Statement, the General Disclosure Package and the Prospectus.
The Company is, and at the Closing Date will be, duly licensed or qualified to do business in and in good standing in all jurisdictions
in which the nature of the activities conducted by it or the character of the assets owned or leased by it makes such licensing or qualification
necessary, except where the failure to be so qualified, in good standing or have such power or authority would not (A)&#8239;individually
or in the aggregate, have a material adverse effect on the earnings, business, properties, assets, operations or condition (financial
or otherwise) of the Company and its subsidiaries, taken as a whole or (B)&#8239;prevent the consummation of the Transactions or the performance
by the Company of its obligations hereunder (the occurrence of any such effect or any such prevention described in the foregoing clauses
(A)&#8239;and (B)&#8239;being referred to as a &ldquo;<U>Material Adverse Effect</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Each
subsidiary of the Company has been duly incorporated or organized, as the case may be, and is a corporation, limited liability company
or limited partnership, as applicable, validly existing and in good standing under the laws of its jurisdiction of incorporation or organization,
as applicable and, has full power and authority to conduct all the activities conducted by it, to own or lease all the assets owned or
leased by it and to conduct its business as conducted as described in each of the Registration Statement, the General Disclosure Package
and the Prospectus, and is duly qualified to transact business and is in good standing as a foreign corporation, limited liability company
or other entity, as the case may be in each jurisdiction in which the conduct of its business or its ownership or leasing of property
requires such qualification, except to the extent that the failure to be so qualified or be in good standing or have such power or authority
would not, individually or in the aggregate, have a Material Adverse Effect; all of the issued share capital or other equity interests
(to the extent owned directly or indirectly by the Company) of each subsidiary of the Company have been duly authorized and validly issued,
are fully paid and non-assessable and are owned directly by the Company, free and clear of all liens, charges, encumbrances, equities,
security interests, restrictions on voting or transfer or any other claims, except for such liens, charges, encumbrances, equities, security
interests, restrictions or claims as would not have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(g)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Capitalization</I>.
The capitalization of the Company, as of the date set forth in each of the General Disclosure Package and the Prospectus and on an as
adjusted basis after giving effect to the issuance and sale of the Securities pursuant to this Agreement and use of proceeds therefrom
as described in each of the General Disclosure Package and the Prospectus, is as set forth in each of the General Disclosure Package and
the Prospectus under the caption &ldquo;Consolidated Capitalization of the Company.&rdquo; All of the outstanding shares of common stock
of the Company (the &ldquo;<U>Common Stock</U>&rdquo;) and any other outstanding capital stock of the Company have been duly authorized
and validly issued in compliance with federal and state securities laws, are fully paid and non-assessable, and have not been issued in
violation of any preemptive, first refusal, or similar right.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(h)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Financial
Statements</I>. The financial statements (including the related notes thereto) and schedules thereto included or incorporated by reference
in each of the Registration Statement, the General Disclosure Package and the Prospectus comply in all material respects with the applicable
requirements of the Securities Act and the Exchange Act, as applicable, and present fairly in all material respects the financial condition
of the Company and its consolidated subsidiaries as of the respective dates thereof and their results of operations and cash flows for
the respective periods covered thereby, except as otherwise stated in the Registration Statement, the General Disclosure Package and the
Prospectus, all in conformity with generally accepted accounting principles in the United States (&ldquo;<U>GAAP</U>&rdquo;) applied on
a consistent basis throughout the periods involved. The pro forma financial information and the related notes thereto included or incorporated
by reference in each of the Registration Statement, the General Disclosure Package and the Prospectus have been prepared in all material
respects in accordance with the applicable requirements of the Securities Act and the Exchange Act, as applicable, and the assumptions
underlying such pro forma financial information are, in the reasonable judgment of the Company&rsquo;s management and subject to the qualifications
therein, reasonable and are set forth in each of the Registration Statement, the General Disclosure Package and the Prospectus. The interactive
data in eXtensible Business Reporting Language included or incorporated by reference in the Registration Statement, the Prospectus and
the General Disclosure Package fairly presents the information called for in all material respects and is prepared in accordance with
the Commission&rsquo;s rules&#8239;and guidelines applicable thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(i)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Independent
Accountants</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Deloitte&#8239;&amp;
Touche LLP (&ldquo;Deloitte&rdquo;), who has certified certain financial statements (including the related notes thereto) and supporting
schedules of American National Group, LLC and its subsidiaries and certain financial statements (including the related notes thereto)
and supporting schedules of the Company and its subsidiaries, in each case, included or incorporated by reference in each of the Registration
Statement, the General Disclosure Package and the Prospectus, is an independent registered public accounting firm as required by the Securities
Act and the Exchange Act and the applicable rules&#8239;and regulations adopted by the Commission and by the rules&#8239;and regulations
of the Public Company Accounting Oversight Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>Ernst&#8239;&amp;
Young LLP (together with Deloitte, the &ldquo;<U>Accountants</U>&rdquo;), who has certified certain financial statements (including the
related notes thereto) and supporting schedules of the Company (formerly known as American Equity Investment Life Holding Company) and
its subsidiaries included or incorporated by reference in each of the Registration Statement, the General Disclosure Package and the Prospectus,
is an independent registered public accounting firm as required by the Securities Act and the Exchange Act and the applicable rules&#8239;and
regulations adopted by the Commission and by the rules&#8239;and regulations of the American Institute of Certified Public Accountants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(j)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Material Adverse Change</I>. Since the respective dates as of which information is given in the General Disclosure Package and the Prospectus,
and except as set forth in the General Disclosure Package and the Prospectus (excluding any amendment thereto), (i)&#8239;there has not
been any material adverse change, or any development that would be expected to result in a material adverse change, in the business, properties,
assets, management, business or prospects, condition (financial or otherwise), results of operations or capitalization of the Company
and its subsidiaries, taken as a whole, arising for any reason whatsoever (a &ldquo;<U>Material Adverse Change</U>&rdquo;) and (ii)&#8239;neither
the Company nor any subsidiary of the Company has incurred, nor will the Company or any subsidiary of the Company incur, any material
liabilities or obligations, direct or contingent, nor has the Company or any subsidiary of the Company entered into, nor will the Company
or any subsidiary of the Company enter into, any material transactions not in the ordinary course of business, otherwise than as set forth
or contemplated in this Agreement or the General Disclosure Package and the Prospectus and the transactions referred to herein and therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(k)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Due
Authorization; Underwriting Agreement</I>. The Company has the requisite corporate power and authority to execute, deliver and perform
its obligations under this Agreement and the other Transaction Documents, and to consummate the transactions contemplated hereby and thereby.
This Agreement has been duly authorized, executed and delivered by the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(l)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Authorization
of the Securities</I>. The Securities to be purchased by the Underwriters from the Company will on the Closing Date be in the form contemplated
by the Indenture, have been duly authorized for issuance and sale and, at the Closing Date, will have been duly executed by the Company
and, when authenticated in the manner provided for in the Indenture and delivered against payment of the purchase price therefor in accordance
with this Agreement, will constitute valid and legally binding obligations of the Company, enforceable against the Company in accordance
with their terms, except as may be limited by bankruptcy, insolvency, reorganization, moratorium or other similar laws relating to or
affecting the rights and remedies of creditors or by general equitable principles (the &ldquo;<U>Enforceability Exceptions</U>&rdquo;),
and will be entitled to the benefits of the Indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(m)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Authorization
of the Indenture</I>. The Base Indenture has been duly qualified under the Trust Indenture Act and has been duly authorized, executed
and delivered by the Company and constitutes a valid and legally binding agreement of the Company, enforceable against the Company in
accordance with its terms, except as may be limited by the Enforceability Exceptions. The Second Supplemental Indenture has been duly
authorized by the Company and, at the Closing Date, will have been duly executed and delivered by the Company and, when duly executed
and delivered in accordance with its terms by each of the other parties thereto, will constitute a valid and legally binding agreement
of the Company, enforceable against the Company in accordance with its terms, except as may be limited by the Enforceability Exceptions;
and on the Closing Date, the Indenture will conform in all material respects to the requirements of the Trust Indenture Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(n)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Description
of the Transaction Documents</I>. The Transaction Documents will conform in all material respects to the respective statements relating
thereto contained in each of the Registration Statement, the General Disclosure Package and the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(o)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Investment
Company</I>. The Company is not, and, after giving effect to the issuance and sale of the Securities and the use of the proceeds therefrom
as described in each of the Registration Statement, the General Disclosure Package and the Prospectus, will not be, an &ldquo;investment
company,&rdquo; as defined in the Investment Company Act of 1940, as amended (the &ldquo;<U>Investment Company Act</U>,&rdquo; which term,
as used herein, includes the rules&#8239;and regulations of the Commission promulgated thereunder).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(p)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Litigation</I>.
Except as set forth in each of the Registration Statement, the General Disclosure Package and the Prospectus, there are no actions, suits
or proceedings pending, or to the Company&rsquo;s knowledge, threatened against or affecting, (i)&#8239;the Company or any of its subsidiaries,
(ii)&#8239;any of its officers in their capacity as such or (iii)&#8239;any property or assets owned or leased by the Company or its subsidiaries,
in each case, before or by any federal or state court, commission, regulatory body, including the Financial Industry Regulatory Authority,&#8239;Inc.
(&ldquo;<U>FINRA</U>&rdquo;) and The New York Stock Exchange (the &ldquo;<U>NYSE</U>&rdquo;), administrative agency or other governmental
body, domestic or foreign, wherein an unfavorable ruling, decision or finding could reasonably be expected, individually or in the aggregate,
to have a Material Adverse Effect. The Company has not received any notice of proceedings relating to the revocation or modification of
any authorization, approval, order, license, certificate, franchise or permit. There are no pending investigations known to the Company
or any of its subsidiaries involving the Company or its subsidiaries by any governmental agency having jurisdiction over the Company or
its subsidiaries or their respective business or operations that could reasonably be expected, individually or in the aggregate, to have
a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(q)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Compliance
with Laws and Regulations and Performance of Obligations and Contracts</I>. Each of the Company and its subsidiaries at all times has
complied in all material respects with all laws, regulations, orders, judgments, writs or decrees applicable to it or its business, except
as would not have a Material Adverse Effect. None of the Company or any of its subsidiaries is in default or, with the giving of notice
or lapse of time, would be in default under any indenture, mortgage, deed of trust, voting trust agreement, loan or credit agreement,
note, bond, debenture, contract, lease or other agreement or instrument (individually, a &ldquo;<U>Contract</U>&rdquo; and collectively,
 &ldquo;<U>Contracts</U>&rdquo;) to which it is a party or by which its property or assets is bound or subject, except for such defaults
as would not, individually or in the aggregate, result in a Material Adverse Effect. Except as described in each of the Registration Statement,
the General Disclosure Package and the Prospectus, to the knowledge of the Company, no other party under any Contract is in default in
any respect thereunder or has given written or oral notice to the Company or any subsidiary or any of their respective officers or directors
of such other party&rsquo;s intention to terminate, cancel or refuse to renew any Contract. The Company and its subsidiaries are not now,
and at the Closing Date will not be, in violation of any provision of their certificates of incorporation or by-laws, or other organizational
documents, as applicable. The disclosures included in each of the Registration Statement, the General Disclosure Package and the Prospectus
concerning the effects of federal, state, local and foreign laws, rules&#8239;and regulations on the business of the Company and its subsidiaries
as currently conducted and as proposed to be conducted are correct in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(r)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Consent Needed</I>. No consent, approval, authorization, license, registration, qualification or order of, or any filing or declaration
with, any court or arbitrator or governmental or regulatory authority, agency or body is required in connection with the authorization,
issuance, transfer, sale or delivery of the Securities by the Company, in connection with the execution, delivery and performance of the
Transaction Documents by the Company or the consummation by the Company of the transactions contemplated by the Transaction Documents,
except for registration of the Securities under the Securities Act and qualification of the Indenture under the Trust Indenture Act, and
except for such consents, approvals, authorizations, registrations or qualifications as may be required under state securities or blue
sky laws or similar laws of a foreign jurisdiction or the by-laws and rules&#8239;of FINRA in connection with the Transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(s)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Conflicts</I>. The execution and delivery by the Company of this Agreement and the performance of this Agreement by the Company, the consummation
by the Company of the transactions contemplated hereby, and the application of the net proceeds from the offering and sale of the Securities
to be sold by the Company in the manner set forth in each of the Registration Statement, the General Disclosure Package and the Prospectus
under the caption &ldquo;Use of Proceeds&rdquo; do not and will not (i)&#8239;violate the certificate of incorporation or by-laws, or other
organizational document, as applicable, of the Company or any of its &ldquo;significant subsidiaries&rdquo; as defined by Rule&#8239;1-02
of Regulation S-X (&ldquo;<U>Significant Subsidiaries</U>&rdquo;), (ii)&#8239;result in the creation or imposition of any lien, charge
or encumbrance upon any of the property or assets of the Company or any of its subsidiaries pursuant to the terms or provisions of any
Contract to which the Company or any of its subsidiaries is a party, (iii)&#8239;result in a breach or violation of any of the terms or
provisions of, or constitute a default under, or give any other party a right to terminate any of its obligations under, or result in
the acceleration of any obligation under any Contract to which the Company or any of its subsidiaries is a party or by which the Company
or any of its subsidiaries or any of their respective properties is bound or affected, or (iv)&#8239;violate or conflict with any judgment,
ruling, decree, order, law, statute, rule&#8239;or regulation of any court or other governmental agency or body applicable to the Company
or any of its subsidiaries, except, in the case of clauses (ii), (iii)&#8239;or (iv), for such liens, charges, encumbrances, equities,
securities interests, restrictions, breaches or violations as would not, individually or in the aggregate, result in a Material Adverse
Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(t)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Title
to Real and Personal Property</I>. The Company and its subsidiaries have good and marketable title to all properties and assets described
in each of the Registration Statement, the General Disclosure Package and the Prospectus as being owned respectively by them, free and
clear of all liens, charges, encumbrances or restrictions, except as set forth in each of the Registration Statement, the General Disclosure
Package and the Prospectus, or are not, individually or in the aggregate, material to the business of the Company. The Company and its
subsidiaries have valid, subsisting and enforceable leases for the properties described in each of the Registration Statement, the General
Disclosure Package and the Prospectus as leased by them, with such exceptions as are not, individually or in the aggregate, material and
do not materially interfere with the use made and proposed to be made of such properties by the Company or its subsidiaries, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(u)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Untrue Statement; Statistical and Market Data</I>. No statement, representation, warranty or covenant made by the Company in any certificate
or document required by this Agreement to be delivered to the Underwriters will be, when made, inaccurate, untrue or incorrect. All other
financial, statistical and market and industry data and forward-looking statements (within the meaning of Section&#8239;27A of the Securities
Act and Section&#8239;21E of the Exchange Act) contained in each of the Registration Statement, the General Disclosure Package and the
Prospectus are fairly and accurately presented, are based on or derived from sources that the Company believes to be reliable and accurate
and are presented on a reasonable basis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(v)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Price Stabilization or Manipulation</I>. Neither the Company nor any of its directors, officers or controlling persons has taken, directly
or indirectly, any action intended to cause or result in, or which might reasonably be expected to cause or result in, or which has constituted,
stabilization or manipulation, under the Securities Act or otherwise, of the price of any security of the Company to facilitate the sale
or resale of the Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(w)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Labor
Matters</I>. Except as otherwise disclosed in each of the Registration Statement, the General Disclosure Package and the Prospectus or
as would not, individually or in the aggregate, result in a Material Adverse Effect, (i)&#8239;there is (A)&#8239;no unfair labor practice
complaint pending or, to the best of the Company&rsquo;s knowledge, threatened against the Company or any of its subsidiaries before the
National Labor Relations Board, and no grievance or arbitration proceeding arising out of or under collective bargaining agreements pending,
or to the best of the Company&rsquo;s knowledge, threatened, against the Company or any of its subsidiaries, (B)&#8239;no strike, labor
dispute, slowdown or stoppage&#8239;pending or, to the best of the Company&rsquo;s knowledge, threatened against the Company or any of
its subsidiaries and (C)&#8239;no union representation question existing with respect to the employees of the Company or any of its subsidiaries
and, to the best of the Company&rsquo;s knowledge, no union organizing activities taking place and (ii)&#8239;there has been no violation
of any federal, state or local law relating to discrimination in hiring, promotion or pay of employees or of any applicable wage or hour
laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(x)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Unlawful Payments</I>. Neither the Company nor any of its subsidiaries, nor any director, officer or employee of the Company or its subsidiaries,
nor, to the knowledge of the Company, any agent or representative of the Company or its subsidiaries, affiliate or other person associated
with or acting on behalf of the Company or its subsidiaries, has (i)&#8239;used any corporate funds for any unlawful contribution, gift,
entertainment or other unlawful expense relating to political activity; (ii)&#8239;made or taken an act in furtherance of an offer, promise
or authorization of any direct or indirect unlawful payment of corporate funds or benefit to any foreign or domestic government or regulatory
official or employee, including, without limitation, of any government-owned or controlled entity or of a public international organization,
or any person acting in an official capacity for or on behalf of any of the foregoing, or any political party or party official or candidate
for political office; (iii)&#8239;violated or is in violation of any provision of the U.S. Foreign Corrupt Practices Act of 1977, as amended,
the United Kingdom Bribery Act 2010, as amended, or any applicable law or regulation implementing the OECD Convention on Combating Bribery
of Foreign Public Officials in International Business Transactions, or committed an offense under any other applicable anti-bribery or
anti-corruption laws; or (iv)&#8239;made, offered, agreed, authorized, requested or taken an act in furtherance of any unlawful bribe or
other unlawful benefit, including, without limitation, any rebate, payoff, influence payment, kickback or other unlawful or improper payment
or benefit. The Company and its subsidiaries have instituted, maintained and enforced, and will continue to maintain and enforce policies
and procedures designed to promote and ensure compliance with all applicable anti-bribery and anticorruption laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(y)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Compliance
with Anti-Money Laundering Laws</I>. The operations of the Company and its subsidiaries are and have been conducted at all times in compliance
with all applicable financial recordkeeping and reporting requirements, including those of the Currency and Foreign Transactions Reporting
Act of 1970, as amended, those of the Bank Secrecy Act, as amended by Title III of the Uniting and Strengthening America by Providing
Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA PATRIOT Act), and the applicable anti-money laundering
statutes of all jurisdictions in which the Company and its subsidiaries conduct business, the rules&#8239;and regulations thereunder and
any related or similar rules, regulations or guidelines, issued, administered or enforced by any governmental or regulatory agency (collectively,
the &ldquo;<U>Anti-Money Laundering Laws</U>&rdquo;), and no action, suit or proceeding by or before any court or governmental agency,
authority or body or any arbitrator involving the Company or its subsidiaries with respect to the Anti-Money Laundering Laws is pending
or, to the knowledge of the Company, threatened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(z)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Conflicts with Sanctions Laws</I>. Neither the Company nor any of its subsidiaries, nor any director or officer of the Company or any
of its subsidiaries, nor, to the knowledge of the Company, any agent, employee or representative of the Company or any of its subsidiaries,
affiliate or other person associated with or acting on behalf of the Company or its subsidiaries is, or is owned or controlled by a person
that is, currently the subject or target of any sanctions administered or enforced by the U.S. government (including, without limitation,
the Office of Foreign Assets Control of the U.S. Treasury Department or the U.S. Department of State and including, without limitation,
the designation as a &ldquo;specially designated national&rdquo; or &ldquo;blocked person&rdquo;), the United Nations Security Council,
the European Union, His Majesty&rsquo;s Treasury or other relevant sanctions authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;),
nor is the Company or any of its subsidiaries located, organized or resident in a country or territory that is the subject or the target
of comprehensive Sanctions (each, a &ldquo;<U>Sanctioned Country</U>&rdquo;); the Company, its subsidiaries and their respective directors
or officers and, to the knowledge of the Company or its subsidiaries, any agent, employee, affiliate and other person associated with
or acting on behalf of the Company or any of its subsidiaries, are in compliance with applicable Sanctions; and the Company will not directly
or indirectly use the proceeds of the offering of the Securities hereunder, or lend, contribute or otherwise make available such proceeds
to any subsidiary, joint venture partner or other person or entity (i)&#8239;to fund or facilitate any activities of or business with any
person that, at the time of such funding or facilitation, is the subject or the target of Sanctions, (ii)&#8239;to fund or facilitate any
activities of or business in any Sanctioned Country or (iii)&#8239;in any other manner that will result in a violation by any person (including
any person participating in the transaction, whether as Underwriter, advisor, investor or otherwise) of Sanctions. Since April&#8239;24,
2019, the Company and its subsidiaries have not knowingly engaged in, are not now knowingly engaged in, and will not engage in, any dealings
or transactions with any person that at the time of the dealing or transaction is or was the subject or the target of Sanctions or with
any Sanctioned Country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(aa)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Taxes</I>.
The Company and its subsidiaries (to the extent not included in the consolidated tax returns of the Company in the ordinary course of
business) have filed all required federal, state and foreign income and franchise tax returns, except in any case in which the failure
so to file would not, individually or in the aggregate, have a Material Adverse Effect and have paid all taxes required to be paid by
any of them and, if due and payable, any related or similar assessment, fine or penalty levied against any of them, except for any such
assessment, fine or penalty that is currently being contested in good faith or as would not have a Material Adverse Effect. The Company
and its subsidiaries have made adequate charges, accruals and reserves in the applicable financial statements referred to in Section&#8239;3(h)&#8239;hereof
in respect of all federal, state and foreign income and franchise taxes for all periods as to which the tax liability of the Company and
its subsidiaries have not been finally determined.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(bb)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Insurance</I>.
Each of the Company and its subsidiaries carries, or is covered by, insurance by recognized, financially sound and reputable institutions
with policies in such amounts and with such deductibles covering such risks as the Company and each of its subsidiaries believes are adequate
for the conduct of its business and the value of its properties and is customary for companies engaged in similar industries, and any
such policies of insurance and fidelity or surety bonds insuring any of the Company, its subsidiaries or their respective businesses,
assets, employees, officers and directors is in full force and effect. Each of the Company and its subsidiaries has no reason to believe
that it will not be able to (i)&#8239;renew its existing insurance coverage as and when such policies expire or (ii)&#8239;obtain comparable
coverage from similar institutions as may be necessary or appropriate to conduct its business as currently conducted or proposed to be
conducted and at a cost that would not, individually or in the aggregate, result in a Material Adverse Effect. Neither the Company nor
any of its subsidiaries has been denied any insurance coverage that it has sought or for which it has applied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(cc)&#8239;&#8239;&#8239;&#8239;</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Defined
Benefit Plans</I>. For each plan maintained or contributed to by the Company or any of its subsidiaries that is subject to the Employee
Retirement Income Security Act of 1974, as amended (&ldquo;<U>ERISA</U>&rdquo;; each such plan, an &ldquo;<U>ERISA Plan</U>&rdquo;) that
is subject to the funding rules&#8239;of Section&#8239;412 of the Internal Code of 1986, as amended (the &ldquo;Code&rdquo;) or Section&#8239;302
of ERISA, no ERISA Plan has failed (whether or not waived), or is reasonably expected to fail, to satisfy the minimum funding standards
(within the meaning of Section&#8239;302 of ERISA or Section&#8239;412 of the Code applicable to such ERISA Plan; no ERISA Plan is, or
is reasonably expected to be, in &ldquo;at risk status&rdquo; (within the meaning of Section&#8239;303(i)&#8239;of ERISA), and no ERISA
Plan that is a &ldquo;multiemployer plan&rdquo; within the meaning of Section&#8239;4001(a)(3)&#8239;of ERISA is in &ldquo;endangered status&rdquo;
or &ldquo;critical status&rdquo; (within the meaning of Section&#8239;305 of ERISA); the fair market value of the assets of each ERISA
Plan exceeds the present value of all benefits accrued under such ERISA Plan (determined based on those assumptions used to fund such
ERISA Plan); no &ldquo;reportable event&rdquo; (within the meaning of Section&#8239;4043(c)&#8239;of ERISA and the regulations promulgated
thereunder) has occurred or is reasonably expected to occur. No ERISA Plan (or any trust created thereunder) has engaged in a &ldquo;prohibited
transaction&rdquo; within the meaning of Section&#8239;406 of ERISA or Section&#8239;4975 of the Code that could subject the Company or
any of its subsidiaries to any material tax penalty on prohibited transactions and that has not adequately been corrected. Each ERISA
Plan is in compliance in all material respects with all reporting, disclosure and other requirements of the Code and ERISA as they relate
to such ERISA Plan, except for any noncompliance that would not result in the imposition of a material tax or monetary penalty. With
respect to each ERISA Plan that is intended to be &ldquo;qualified&rdquo; within the meaning of Section&#8239;401(a)&#8239;of the Code,
either (i)&#8239;a determination letter has been issued by the Internal Revenue Service stating that such ERISA Plan and the attendant
trust are qualified thereunder or (ii)&#8239;the remedial amendment period under Section&#8239;401(b)&#8239;of the Code with respect to
the establishment of such ERISA Plan has not ended and a determination letter application will be filed with respect to such ERISA Plan
prior to the end of such remedial amendment period. The Company and each of its subsidiaries has never completely or partially withdrawn
from a &ldquo;multiemployer plan,&rdquo; as defined in Section&#8239;3(37) of ERISA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(dd)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Intellectual
Property</I>. Except as would not result in a Material Adverse Effect, (i)&#8239;the Company and its subsidiaries own or have the right
to use all patents, patent applications, trademarks, service marks, trade names, trademark registrations, service mark registrations,
domain names and other source indicators, copyrights and copyrightable works, know-how, trade secrets, systems, procedures, proprietary
or confidential information and all other worldwide intellectual property, industrial property and proprietary rights (collectively, &ldquo;<U>Intellectual
Property</U>&rdquo;) used in the conduct of their respective businesses; (ii)&#8239;the Company and its subsidiaries&rsquo; conduct of
their respective businesses does not infringe, misappropriate or otherwise violate any Intellectual Property of any person; (iii)&#8239;the
Company and its subsidiaries have not received any written notice of any claim relating to Intellectual Property; and (iv)&#8239;to the
knowledge of the Company, the Intellectual Property of the Company and its subsidiaries is not being infringed, misappropriated or otherwise
violated by any person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(ee)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Environmental
Matters</I>. The Company (i)&#8239;is in compliance with any and all applicable federal, state, local and non-U.S. laws and regulations
relating to the protection of human health and safety, the environment or hazardous or toxic substances or wastes, pollutants or contaminants
(collectively, &ldquo;<U>Environmental Laws</U>&rdquo;), (ii)&#8239;has received all permits, licenses or other approvals required of it
under applicable Environmental Laws to conduct its businesses and (iii)&#8239;is in compliance with all terms and conditions of any such
permit, license or approval, except where such noncompliance with Environmental Laws, failure to receive required permits, licenses or
other approvals or failure to comply with the terms and conditions of such permits, licenses or approvals would not, singly or in the
aggregate, have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(ff)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Controls
and Procedures</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Disclosure
Controls and Procedures</U>. The Company has established and maintain disclosure controls and procedures (as such term is defined in Rules&#8239;13a-15(e)&#8239;and
15d-15(e)&#8239;under the Exchange Act) that comply with the requirements of the Exchange Act, as applicable, and (A)&#8239;are designed
to ensure that information relating to the Company and its subsidiaries required to be disclosed by the Company in reports that it files
under the Exchange Act is timely made known to the Company&rsquo;s principal executive officer and its principal financial officer by
others within those entities as appropriate to allow timely decisions regarding required disclosure; (B)&#8239;provide for the periodic
evaluation of the effectiveness of such disclosure controls and procedures as required by Rules&#8239;13a-15 and 15d-15 under the Exchange
Act; and (C)&#8239;are effective in all material respects to perform the functions for which they were established.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Internal
Control over Financial Reporting and Internal Accounting Controls</U>. The Company maintains (A)&#8239;effective &ldquo;internal control
over financial reporting&rdquo; as defined in Rules&#8239;13a-15(f)&#8239;and 15d-15 that comply with the requirements of the Exchange Act,
as applicable and that has been designed by, or under the supervision of, their respective principal executive and principal financial
officers, or persons performing similar functions, to provide reasonable assurance regarding the reliability of financial reporting and
the preparation of financial statements for external purposes in accordance with GAAP and (B)&#8239;a system of internal accounting controls
sufficient to provide reasonable assurance that (1)&#8239;transactions are executed in accordance with management&rsquo;s general or specific
authorizations, (2)&#8239;transactions are recorded as necessary to permit preparation of financial statements in conformity with GAAP
and to maintain asset accountability, (3)&#8239;access to assets is permitted only in accordance with management&rsquo;s general or specific
authorization, (4)&#8239;the recorded accountability for assets is compared with the existing assets at reasonable intervals and appropriate
action is taken with respect to any differences and (5)&#8239;interactive data in eXtensible Business Reporting Language included or incorporated
by reference in the Registration Statement, the Prospectus and the General Disclosure Package is prepared in accordance with the Commission&rsquo;s
rules&#8239;and guidelines applicable thereto; the audit committee (or other comparable committee) of the Board of Directors of the Company
and the Company&rsquo;s auditors have been advised of: (x)&#8239;any significant deficiency in the design or operation of the Company&rsquo;s
internal control over financial reporting that is reasonably likely to adversely affect the Company&rsquo;s ability to record, process,
summarize and report financial data or any material weakness in the Company&rsquo;s internal controls; or (y)&#8239;any fraud, whether
or not material, that involves management or other employees of the Company who have a significant role in the Company&rsquo;s internal
controls.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>No
Material Weakness in Internal Controls</U>. Since the end of the Company&rsquo;s most recent audited fiscal year, there has been (A)&#8239;no
material weakness in the Company&rsquo;s internal control over financial reporting (whether or not remediated) and (B)&#8239;no change
in the Company&rsquo;s internal control over financial reporting that has materially affected, or is reasonably likely to materially affect,
the Company&rsquo;s internal control over financial reporting. The Company is not aware of (x)&#8239;any significant deficiency in the
design or operation of its internal control over financial reporting that is reasonably likely to adversely affect the Company&rsquo;s
ability to record, process, summarize and report financial data or any material weaknesses in its internal controls since the end of the
Company&rsquo;s most recent audited fiscal year; or (y)&#8239;any fraud, whether or not material, that involves management or other employees
who have a significant role in the Company&rsquo;s internal controls.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(gg)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Licenses
and Permits</I>. Except as would not, individually or in the aggregate, have a Material Adverse Effect, the Company and each subsidiary
possess such valid and current certificates, authorizations, licenses or permits issued by the appropriate state, federal or foreign regulatory
agencies or bodies necessary to own, lease and operate its properties and to conduct their respective businesses as described in each
of the Registration Statement, the General Disclosure Package and the Prospectus, and neither the Company nor any subsidiary has received
any notice of proceedings relating to the revocation or modification of, or noncompliance with, any such certificate, authorization, license
or permit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(hh)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Status
under the Securities Act</I>. The Company is not an ineligible issuer as defined under the Securities Act, in each case at the times specified
in the Securities Act in connection with the offering of the Securities. The Company has paid the registration fee for this offering pursuant
to Rule&#8239;457 under the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(ii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Solvency</I>.
The Company is, and immediately after the Closing Date will be, Solvent. As used herein, the term &ldquo;<U>Solvent</U>&rdquo; means,
with respect to any person on a particular date, that on such date (i)&#8239;the fair market value of the assets of such person is greater
than the total amount of liabilities (including contingent liabilities) of such person, (ii)&#8239;the present fair salable value of the
assets of such person is greater than the amount that will be required to pay the probable liabilities of such person on its debts as
they become absolute and matured, (iii)&#8239;such person is able to realize upon its assets and pay its debts and other liabilities, including
contingent obligations, as they mature and (iv)&#8239;such person does not have unreasonably small capital.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(jj)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Regulations
T, U, X</I>. Neither the Company nor any of its subsidiaries nor any agent thereof acting on their behalf has taken, and none of them
will take, any action that might cause this Agreement or the issuance or sale of the Securities to violate Regulation T, Regulation U
or Regulation X of the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(kk)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Broker&rsquo;s Fees</I>. The Company is not a party to any contract, agreement or understanding with any person (other than this Agreement)
that would give rise to a valid claim against the Company or any Underwriter for a brokerage commission, finder&rsquo;s fee or like payment
in connection with the offering and sale of the Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(ll)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Cybersecurity</I>.
Except as would not, individually or in the aggregate, reasonably be expected to result in a Material Adverse Effect, (A)(i)&#8239;there
has been no security breach or incident, unauthorized access or disclosure, or other compromise of or relating to any of the Company&rsquo;s,
and its subsidiaries&rsquo; information technology and computer systems, networks, hardware, software, data and databases (including the
data and information of their respective customers, employees, suppliers, vendors and any third party data maintained, processed or stored
by the Company and its subsidiaries, and any such data processed or stored by third parties on behalf of the Company and its subsidiaries),
equipment or technology (collectively, &ldquo;<U>IT Systems and Data</U>&rdquo;) and (ii)&#8239;the Company and its subsidiaries have not
been notified of, and have no knowledge of any event or condition that would reasonably be expected to result in, any security breach
or incident, unauthorized access or disclosure or other compromise to their IT Systems and Data; (B)&#8239;the Company and its subsidiaries
are presently in compliance with all applicable laws or statutes and all judgments, orders, rules&#8239;and regulations of any court or
arbitrator or governmental or regulatory authority, internal policies and contractual obligations relating to the privacy and security
of IT Systems and Data and to the protection of such IT Systems and Data from unauthorized use, access, misappropriation or modification;
and (C)&#8239;the Company and its subsidiaries have implemented appropriate controls, policies, procedures, and technological safeguards
to maintain and protect the integrity, continuous operation, redundancy and security of their IT Systems and Data reasonably consistent
with industry standards and practices, or as required by applicable regulatory standards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(mm)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Default in Senior Indebtedness</I>. No event of default exists under any contract, indenture, mortgage, loan agreement, note, lease or
other agreement or instrument constituting senior indebtedness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(nn)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Sarbanes-Oxley
Act</I>. There is and has been no failure on the part of the Company or any of the Company&rsquo;s directors or officers, in their capacities
as such, to comply in all material respects with the applicable provisions of the Sarbanes-Oxley Act of 2002, as amended, and the rules&#8239;and
regulations promulgated in connection therewith with which the Company is required to comply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(oo)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Insurance
Subsidiaries. </I>Each subsidiary of the Company that is required to be organized, licensed and registered as an insurance company (collectively,
the &ldquo;<U>Insurance Subsidiaries</U>&rdquo;) is duly licensed and registered as required in its jurisdiction of organization and is
duly licensed or authorized as required in each jurisdiction outside its jurisdiction of organization where it is required to be so licensed
or authorized to conduct its business as described in each of the Registration Statement, the General Disclosure Package and the Prospectus,
except where the failure to be so licensed or authorized would not, individually or in the aggregate, reasonably be expected to have a
Material Adverse Effect. The Insurance Subsidiaries have made all required filings (including statutory annual and quarterly statements
and statutory balance sheets and income statements included therein) under applicable insurance statutes in each jurisdiction where such
filings are required, except for such filings the failure of which to make would not, individually or in the aggregate, reasonably be
expected to have a Material Adverse Effect. Each of the Insurance Subsidiaries has all other necessary authorizations, approvals, orders,
consents, certificates, permits, registrations and qualifications (collectively, &ldquo;<U>Insurance Authorizations</U>&rdquo;), of and
from all insurance regulatory authorities necessary to conduct their respective existing business as described in each of the Registration
Statement, the General Disclosure Package and the Prospectus, except where the failure to have such Insurance Authorizations would not,
individually or in the aggregate, reasonably be expected to have a Material Adverse Effect. No Insurance Subsidiary has received any notification
from any insurance regulatory authority to the effect that any additional Insurance Authorizations are needed to be obtained by any Insurance
Subsidiary in any case where it would reasonably be expected that the failure to obtain such additional Insurance Authorizations or the
limiting of the writing of such business would result in a Material Adverse Effect. Except as set forth in each of the Registration Statement,
the General Disclosure Package and the Prospectus, no insurance regulatory authority having jurisdiction over any Insurance Subsidiary
has issued any order or decree impairing, restricting or prohibiting (i)&#8239;the payment of dividends by any Insurance Subsidiary to
its parent, other than those restrictions applicable to insurance or reinsurance companies under such jurisdiction generally or (ii)&#8239;the
continuation of the business of the Company or any of the Insurance Subsidiaries in all material respects as presently conducted, in each
case except where such orders or decrees would not, individually or in the aggregate, reasonably be expected to have a Material Adverse
Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(pp)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Reinsurance</I>.
None of the Company or any of the Insurance Subsidiaries has received any written notice from any of the other parties to any reinsurance
treaties, contracts, agreements or arrangements to which the Company or any Insurance Subsidiary is a party that such other party intends
not to perform its obligations thereunder, except to the extent that such nonperformance would not, individually or in the aggregate,
reasonably be expected to have a Material Adverse Effect; Any certificate signed by an officer of the Company and delivered to the Underwriters
or to counsel for the Underwriters in connection with the offering of the Securities shall be deemed to be a representation and warranty
by the Company to each Underwriter as to the matters set forth therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Covenants
of the Company</U>. The Company further covenants and agrees with the Underwriters as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(a)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Required
Filings</I>. The Company will file the final Prospectus with the Commission within the time periods specified by Rule&#8239;424(b)&#8239;and
Rule&#8239;430B or 430C under the Securities Act, will file any Issuer Free Writing Prospectus (including the Term Sheet) to the extent
required by Rule&#8239;433 under the Securities Act; and the Company will file promptly all reports and (in the event the Company becomes
obligated to do so after the date hereof) promptly file any definitive proxy or information statements required to be filed by the Company
with the Commission pursuant to Section&#8239;13(a), 13(c), 14 or 15(d)&#8239;of the Exchange Act subsequent to the date of the Prospectus
and for so long as the delivery of a prospectus is required in connection with the offering or sale of the Securities; and the Company
will furnish copies of the Prospectus and each Issuer Free Writing Prospectus (to the extent not previously delivered) to the Underwriters
in New York City prior to 10:00 a.m., New York City time, on the business day next succeeding the date of this Agreement in such quantities
as the Representatives may reasonably request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(b)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Amendments
and Supplements and Other Securities Act Matters</I>. If at any time prior to the Closing Date any event or development shall occur or
condition shall exist as a result of which any of the General Disclosure Package as then amended or supplemented would include any untrue
statement of a material fact or omit to state any material fact necessary in order to make the statements therein, in the light of the
circumstances existing when the General Disclosure Package is delivered to a purchaser, not misleading or if it shall be necessary to
amend or supplement any of the General Disclosure Package to comply with law, the Company agrees to promptly notify the Underwriters thereof
and promptly prepare and (subject to the last sentence of this paragraph) file with the Commission (to the extent required) and furnish
at its own expense to the Underwriters such amendments or supplements to any of the General Disclosure Package (or any document to be
filed with the Commission and incorporated by reference therein) as may be necessary so that the statements in any of the General Disclosure
Package as so amended or supplemented (including such documents to be incorporated by reference therein) will not, in the light of the
circumstances existing when the General Disclosure Package is delivered to a purchaser, be misleading or so that any of the General Disclosure
Package will comply with all applicable law. If, during such period of time after the first date of the public offering of the Securities
as in the opinion of counsel for the Underwriters a prospectus relating to the Securities is required by law to be delivered (or required
to be delivered but for Rule&#8239;172 under the Securities Act) in connection with sales of the Securities by any Underwriter or dealer
(&ldquo;the <U>Prospectus Delivery Period</U>&rdquo;), any event or development shall occur or condition shall exist as a result of which
the Prospectus, as then amended or supplemented, would include any untrue statement of a material fact or omit to state any material fact
necessary in order to make the statements therein, in the light of the circumstances existing when the Prospectus is delivered to a purchaser,
not misleading, or if it is otherwise necessary to amend or supplement the Prospectus to comply with law, the Company agrees to promptly
prepare (subject to the last sentence of this paragraph) and furnish at its own expense to the Underwriters, such amendments or supplements
to the Prospectus as may be necessary so that the statements in the Prospectus as so amended or supplemented will not, in the light of
the circumstances existing when the Prospectus is delivered to a purchaser, be misleading or so that the Prospectus, as so amended or
supplemented, will comply with all applicable law. Before making, preparing, using, authorizing, approving, referring to or filing any
Issuer Free Writing Prospectus, and before filing any amendment or supplement to the Registration Statement or the Prospectus, whether
before or after the time that the Registration Statement becomes effective, the Company will furnish to the Representatives and counsel
for the Underwriters a copy of the proposed Issuer Free Writing Prospectus, amendment or supplement for review and will not make, prepare,
use, authorize, approve, refer to or file any such Issuer Free Writing Prospectus or file any such proposed amendment or supplement to
which the Representatives reasonably object.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Company hereby expressly
acknowledges that the indemnification and contribution provisions of Section&#8239;9 hereof are specifically applicable and relate to each
of the Registration Statement, the General Disclosure Package and the Prospectus or any amendment or supplement thereto referred to in
this Section&#8239;4.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(c)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Copies
of General Disclosure Package and the Prospectus</I>. During the Prospectus Delivery Period, the Company agrees to furnish to the Underwriters,
without charge, as many copies of the General Disclosure Package and the Prospectus and any amendments and supplements thereto (and documents
incorporated by reference) as they shall reasonably request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(d)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Compliance
with Blue Sky Laws</I>. To the extent required, the Company shall cooperate with the Underwriters and counsel for the Underwriters to
qualify or register (or to obtain exemptions from qualifying or registering) all or any part of the Securities for offer and sale under
the securities laws of such jurisdictions as the Representatives shall reasonably request, and shall comply with such laws and shall continue
such qualifications, registrations and exemptions in effect so long as required for the distribution of the Securities. Notwithstanding
the foregoing, the Company shall not be required to (i)&#8239;qualify as a foreign corporation or other entity or as a dealer in securities
in any such jurisdiction where it is not presently qualified, (ii)&#8239;take any action that would subject it to general service of process
in any such jurisdiction or (iii)&#8239;subject itself to taxation in any such jurisdiction if it is not otherwise so subject.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(e)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Notice
to the Representatives</I>. The Company will advise the Representatives promptly, and confirm such advice in writing, (i)&#8239;when any
amendment to the Registration Statement has been filed or becomes effective; (ii)&#8239;when any supplement to the Prospectus or any Issuer
Free Writing Prospectus or any amendment to the Prospectus or any Issuer Free Writing Prospectus has been filed; (iii)&#8239;of any request
by the Commission for any amendment to the Registration Statement or any amendment or supplement to the Prospectus or the receipt of any
comments from the Commission relating to the Registration Statement or any other request by the Commission for any additional information;
(iv)&#8239;of the issuance by the Commission or any other governmental or regulatory authority of any order suspending the effectiveness
of the Registration Statement or preventing or suspending the use of any Preliminary Prospectus, the Prospectus, any General Disclosure
Package or any Issuer Free Writing Prospectus or the initiation or threatening of any proceeding for that purpose or pursuant to Section&#8239;8A
of the Securities Act; (v)&#8239;of the occurrence of any event or development within the Prospectus Delivery Period as a result of which
the Prospectus, any of the General Disclosure Package or any Issuer Free Writing Prospectus as then amended or supplemented would include
any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light
of the circumstances existing when the Prospectus, the General Disclosure Package or any such Issuer Free Writing Prospectus is delivered
to a purchaser, not misleading; and (vi)&#8239;of the receipt by the Company of any notice with respect to suspension of the qualification
of the Securities for offer and sale in any jurisdiction or any initiation or threat of any proceeding for any such purpose, and in the
event of the issuance of any order suspending such qualification, the Company shall use its reasonable best efforts to obtain the withdrawal
thereof at the earliest possible moment, or as the case may be, to prevent the issuance of any order suspending the effectiveness of the
Registration Statement, preventing or suspending the use of any Preliminary Prospectus, any of the General Disclosure Package,&#8239;Issuer
Free Writing Prospectus or the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(f)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Use
of Proceeds</I>. The Company shall apply the net proceeds from the sale of the Securities sold by it in the manner described under the
caption &ldquo;Use of Proceeds&rdquo; in the General Disclosure Package.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(g)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>The
Depositary</I>. The Company will cooperate with the Underwriters and use its best efforts to permit the Securities to be eligible for
clearance and settlement through the facilities of the Depositary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(h)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Agreement
not to Offer or Sell Additional Securities</I>. During the period beginning from the date hereof and continuing through the Closing Date,
the Company agrees not to, without the prior written consent of the Representatives, sell, offer, contract to sell or otherwise dispose
of any debt securities of the Company or any securities of the Company exchangeable for or convertible into debt securities of the Company,
in each case, having a tenor of more than one year (for the avoidance of doubt, other than the sale of the Securities under this Agreement).
For the avoidance of doubt, nothing contained in this Section&#8239;4(h)&#8239;shall prohibit or in any way restrict, or be deemed to prohibit
or in any way restrict, the issuance of any security of any subsidiary of the Company, including any notes issued by a special purpose
trust.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(i)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Investment
Company Act</I>. The Company will conduct its business in a manner so that it would not reasonably be expected to become subject to the
Investment Company Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(j)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Record
Retention.</I> The Company will, pursuant to reasonable procedures developed in good faith, retain copies of each Issuer Free Writing
Prospectus that is not filed with the Commission in accordance with Rule&#8239;433 under the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Representatives on behalf
of the several Underwriters, may, in their sole discretion, waive in writing the performance by the Company of any one or more of the
foregoing covenants and/or grant a grace period for its performance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Representations,
Warranties and Covenants of the Underwriters</U>. Each Underwriter, severally and not jointly, represents and warrants to, and agrees
with, the Company that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(a)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>It
has not used, authorized use of, referred to or participated in the planning for use of and will not use, authorize use of, refer to,
or participate in the planning for use of, any &ldquo;free writing prospectus,&rdquo; as defined in Rule&#8239;405 under the Securities
Act (which term includes use of any written information furnished to the Commission by the Company and not incorporated by reference into
the Registration Statement and any press release issued by the Company) other than (i)&#8239;a free writing prospectus that, solely as
a result of use by such Underwriter, would not trigger an obligation to file such free writing prospectus with the Commission pursuant
to Rule&#8239;433, (ii)&#8239;any Issuer Free Writing Prospectus listed in Schedule II or prepared pursuant to Section&#8239;3(d)&#8239;or
Section&#8239;4(c)&#8239;above (including any electronic road show), or (iii)&#8239;any free writing prospectus prepared by such Underwriter
and approved by the Company in advance in writing (each such free writing prospectus referred to in clauses (i)&#8239;or (iii), an &ldquo;<U>Underwriter
Free Writing Prospectus</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(b)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>It
has not and will not, without the prior written consent of the Company, use any free writing prospectus that contains the final terms
of the Securities unless such terms have previously been included in a free writing prospectus filed with the Commission; <U>provided</U>
that the Underwriters may use the Term Sheet without the consent of the Company; <U>provided</U><I>&#8239;</I><U>further</U> that any Underwriter
using the Term Sheet shall notify the Company, and provide a copy of the Term Sheet to the Company, prior to, or substantially concurrently
with, the first use of the Term Sheet.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(c)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>It
is not subject to any pending proceeding under Section&#8239;8A of the Securities Act with respect to the offering (and will promptly notify
the Company if any such proceeding against it is initiated during the Prospectus Delivery Period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Payment
of Expenses</U>. Whether or not any of the transactions contemplated by this Agreement are consummated or this Agreement is terminated,
the Company agrees to pay or cause to be paid all costs, fees and expenses incident to the performance of its obligations hereunder and
in connection with the transactions contemplated hereby, including but not limited to: (i)&#8239;all costs incident to the authorization,
issuance, sale, preparation and delivery of the Securities and any taxes payable in that connection, (ii)&#8239;all fees, disbursements
and expenses of the Company&rsquo;s counsel, Accountants and other advisors, (iii)&#8239;all filing fees, attorneys&rsquo; fees and expenses
incurred by the Company or the Underwriters in connection with qualifying or registering (or obtaining exemptions from the qualification
or registration of) all or any part of the Securities for offer and sale under the securities laws of such jurisdictions as the Representatives
shall reasonably request (including, without limitation, the cost of preparing, printing and mailing preliminary and final blue sky or
legal investment memoranda and any related supplements to the General Disclosure Package or the Prospectus), (iv)&#8239;all costs and expenses
incident to the preparation, printing, filing under the Securities Act, shipping and distribution of the General Disclosure Package and
the Prospectus (including financial statements and exhibits), and all amendments and supplements thereto, (v)&#8239;the costs of reproducing
and distributing the Transaction Documents, (vi)&#8239;any fees payable to rating agencies in connection with the rating of the Securities,
(vii)&#8239;any filing fees and clearance fees incident to, and the fees and disbursements of counsel to the Underwriters in connection
with, the review by FINRA, if any, of the terms of the sale of the Securities; <U>provided</U>, <U>however</U>, that the amount payable
by the Company for the fees and disbursements of counsel to the Underwriters pursuant to subsections (iii)&#8239;and (vii)&#8239;shall not
exceed $50,000 in the aggregate, (viii)&#8239;the fees and expenses of the Trustee, including the fees and disbursements of counsel for
the Trustee in connection with the Indenture and the Securities, (viii)&#8239;all fees and expenses (including fees and expenses of counsel)
of the Company in connection with approval of the Securities by the Depositary for &ldquo;book-entry&rdquo; transfer, (ix)&#8239;all expenses
incurred by the Company in connection with any &ldquo;road show&rdquo; for the offering of the Securities and (x)&#8239;all other costs
and expenses incurred by the Company in the performance of the Company&rsquo;s obligations hereunder that are not otherwise specifically
provided for in this Section. Except as expressly provided in this Section&#8239;6 and Sections 8 and 9 hereof, the Underwriters shall
pay their own expenses, including the fees and disbursements of their counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Conditions
of the Obligations of the Underwriters</U>. The obligations of the several Underwriters to purchase and pay for the Securities on the
Closing Date as provided herein shall be subject to the accuracy of the representations and warranties on the part of the Company set
forth in Section&#8239;3 hereof as of the date hereof and as of the Closing Date as though then made and to the timely performance by the
Company of its covenants and other obligations hereunder required to be performed at or prior to the Closing Date, and to each of the
following additional conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(a)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Material Adverse Change or Ratings Agency Change</I>. For the period from and after the date of this Agreement and prior to the Closing
Date:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>for
the period from and after the date of this Agreement and prior to the Closing Date, there shall not have occurred any Material Adverse
Change, the effect of which, in the judgment of the Representatives, makes it impractical or inadvisable to proceed with the offering,
sale and delivery of the Securities on the terms and in the manner contemplated by this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
shall not have occurred any downgrading, nor shall any notice have been given of any intended or potential downgrading or of any review
for a possible change that does not indicate the direction of the possible change, in the rating accorded the Company or any of its Significant
Subsidiaries or any of their securities or indebtedness, or the Insurance Subsidiaries&rsquo; financial strength or claims paying ability,
by any &ldquo;nationally recognized statistical rating organization&rdquo; (as defined in Section&#8239;3(a)(62) of the Exchange Act);
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
shall not have occurred (A)&#8239;any banking moratorium declared by any U.S. federal or New York authorities; (B)&#8239;any major disruption
of settlements of securities, payment, or clearance services in the United States; or (C)&#8239;any attack on, outbreak or escalation of
hostilities or act of terrorism involving the United States, any declaration of war by Congress or any other national or international
calamity or emergency if, in the judgment of the Representatives, the effect of any such attack, outbreak, escalation, act, declaration,
calamity or emergency is such as to make it in the judgment of the Representatives impractical or inadvisable to proceed with the offering,
sale and delivery of the Securities on the terms and in the manner contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(b)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Opinion
and Negative Assurance Letter of Counsel to the Company</I>. On the Closing Date, the Underwriters shall have received the opinion and
negative assurance letter of Cravath, Swaine&#8239;&amp; Moore LLP, counsel to the Company, each dated the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(c)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Opinion
and Negative Assurance Letter of Counsel to the Underwriters</I>. On the Closing Date, the Underwriters shall have received the opinion
of Skadden, Arps, Slate, Meagher&#8239;&amp; Flom LLP, counsel to the Underwriters, dated the Closing Date, with respect to such matters
as may be reasonably requested by the Underwriters, and which opinion shall be reasonably satisfactory to the Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(d)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Accountants&rsquo;
Comfort Letters</I>. On the date hereof, the Underwriters shall have received from each of the Accountants, a &ldquo;comfort letter&rdquo;
dated the date hereof addressed to the Underwriters, in form and substance reasonably satisfactory to the Representatives, covering the
financial information in the General Disclosure Package and other customary matters and, in the case of Deloitte, the current independent
registered public accounting firm for the Company, with customary procedures carried out to a date no more than three business days prior
to the date hereof. In addition, on the Closing Date, the Underwriters shall have received from each of the Accountants, a &ldquo;bring-down
comfort letter&rdquo; dated the Closing Date addressed to the Underwriters, in form and substance reasonably satisfactory to the Representatives,
in the form of the &ldquo;comfort letter&rdquo; delivered on the date hereof, except that, in the case of Deloitte, the current independent
registered public accounting firm for the Company, customary procedures shall be brought down to a date no more than three business days
prior to the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(e)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Chief
Financial Officer&rsquo;s Certificate</I>. On the date hereof and at the Closing Date, the Underwriters shall have received from the Company&rsquo;s
Chief Financial Officer a certificate with respect to certain financial information in the General Disclosure Package and the Prospectus
and any amendment or supplement thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(f)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Officers&rsquo;
Certificate</I>. On the Closing Date the Underwriters shall have received a written certificate executed by the Chairman of the Board
of Directors of the Company, Chief Executive Officer or President of the Company, or the Chief Financial Officer, Chief Operating Officer
or Chief Accounting Officer of the Company, dated as of the Closing Date, to the effect that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>for
the period from and after the date of this Agreement and prior to the Closing Date there has not occurred any Material Adverse Change;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>each
of the representations and warranties of the Company set forth in Section&#8239;3 hereof were true and correct as of the date hereof and
are true and correct as of the Closing Date with the same force and effect as though expressly made on and as of the Closing Date; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
Company has complied in all material respects with all the covenants and agreements and satisfied all the conditions required to be performed
or satisfied by the Company at or prior to the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(g)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Secretary&rsquo;s
Certificate</I>. On the Closing Date, the Underwriters shall have received a written certificate executed by the Corporate Secretary or
the Assistant Corporate Secretary of the Company, dated as of the Closing Date, certifying such matters as the Underwriters reasonably
request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(h)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>The
Depositary</I>. The Securities shall be eligible for clearance and settlement through the Depositary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(i)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Indenture;
Securities</I>. The Company shall have executed and delivered the Second Supplemental Indenture, in form and substance reasonably satisfactory
to the Underwriters, and the Underwriters shall have received executed copies thereof. The Securities shall have been duly executed and
delivered by a duly authorized officer of the Company and duly authenticated by the Trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(j)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Additional
Documents</I>. On or before the Closing Date, the Underwriters and counsel for the Underwriters shall have received such information,
documents and opinions as they reasonably request for the purposes of enabling them to pass upon the issuance and sale of the Securities
as contemplated herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If any condition specified
in this Section&#8239;7 is not satisfied when and as required to be satisfied, this Agreement may be terminated by the Representatives
by notice to the Company at any time on or prior to the Closing Date, which termination shall be without liability on the part of any
party to any other party, except that Sections 6, 8 and 9 hereof shall at all times be effective and shall survive such termination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Reimbursement
of Underwriter Expenses</U>. If this Agreement is terminated by the Representatives because any of the conditions to the obligations of
the Underwriters set forth in Section&#8239;7 has not been satisfied or waived (but, for the avoidance of doubt, not in the event of a
termination pursuant to Section&#8239;10 hereof), the Company agrees to reimburse the Underwriters, severally, upon demand for all reasonable
and documented out-of-pocket expenses that shall have been incurred by the Underwriters in connection with the proposed purchase and the
offering and sale of the Securities, including, without limitation, reasonable and documented out-of-pocket fees and disbursements of
counsel, printing expenses, travel expenses, postage, facsimile and telephone charges.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Indemnification
and Contribution</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(a)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Indemnification
of the Underwriters</I>. The Company shall indemnify and hold harmless each Underwriter, its affiliates, directors, officers, employees,
counsel and agents and each person, if any, who controls such Underwriter within the meaning of Section&#8239;15 of the Securities Act
or Section&#8239;20 of the Exchange Act from and against any and all losses, claims, liabilities, expenses and damages (including any and
all investigative, legal or other expenses reasonably incurred in connection with, and any amount paid in settlement of (with the consent
of the Company), any action, suit or proceeding between any of the indemnified parties and any indemnifying parties or between any indemnified
party and any third party, or otherwise, or any claim asserted), as incurred, that arise out of or are based on any untrue statement or
alleged untrue statement of a material fact contained in the Preliminary Prospectus, the Term Sheet, any Issuer Free Writing Prospectus
or the Prospectus (or any amendment or supplement thereto) or the omission or alleged omission therefrom of a material fact required to
be stated therein or necessary to make the statements therein not misleading; <U>provided,</U> however, that the Company shall not be
liable with respect to an Underwriter to the extent that such loss, claim, liability, expense or damage arises from the sale of the Securities
by such Underwriter and is based on an untrue statement or omission or alleged untrue statement or omission made in reliance on and in
conformity with written information furnished to the Company by such Underwriter through the Representatives expressly for use in the
Preliminary Prospectus, the Term Sheet, any Issuer Free Writing Prospectus or the Prospectus (or any amendment or supplement thereto)
(it being understood and agreed by the Company that the only such information furnished by the Underwriters consists of the Underwriter
Information). This indemnity agreement will be in addition to any liability that the Company might otherwise have.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(b)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Indemnification
of the Company</I>. Each Underwriter shall, severally and not jointly, indemnify and hold harmless the Company, its directors and officers
and each person, if any, who controls the Company within the meaning of Section&#8239;15 of the Securities Act or Section&#8239;20 of the
Exchange Act to the same extent as the indemnity set forth in paragraph (a)&#8239;above, but only with respect to any losses, claims, liabilities,
expenses and damages (including any and all investigative, legal or other expenses reasonably incurred in connection with, and any amount
paid in settlement of, any action, suit or proceeding between any of the indemnified parties and any indemnifying parties or between any
indemnified party and any third party, or otherwise, or any claim asserted), as incurred that arise out of or are based on any untrue
statement or alleged untrue statement of material fact contained in the Preliminary Prospectus, the Term Sheet, any Issuer Free Writing
Prospectus or the Prospectus (or any amendment or supplement thereto), or the omission or alleged omission therefrom of a material fact
necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading, but,
in each case to the extent, and only to the extent that such untrue statement or omission or alleged untrue statement or omission made
in reliance on and in conformity with written information furnished to the Company by such Underwriter through the Representatives expressly
for use in the Preliminary Prospectus, the Term Sheet, any Issuer Free Writing Prospectus or the Prospectus (or any amendment or supplement
thereto). The Company hereby acknowledges that the only information that the Underwriters through the Representatives have furnished to
the Company expressly for use in the Preliminary Prospectus, the Term Sheet, any Issuer Free Writing Prospectus or the Prospectus (or
any amendment or supplement thereto) is the Underwriter Information. This indemnity will be in addition to any liability that each Underwriter
might otherwise have.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(c)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Indemnification
Procedures</I>. Any party that proposes to assert the right to be indemnified under this Section&#8239;9 shall, promptly after receipt
of notice of commencement of any action against such party in respect of which a claim is to be made against an indemnifying party or
parties under this Section&#8239;9, notify each such indemnifying party of the commencement of such action, enclosing a copy of all papers
served, but the omission so to notify such indemnifying party shall not relieve the indemnifying party from any liability that it may
have to any indemnified party under the foregoing provisions of this Section&#8239;9 unless, and only to the extent that, such omission
results in the forfeiture of substantive rights or defenses by the indemnifying party. If any such action is brought against any indemnified
party and it notifies the indemnifying party of its commencement, the indemnifying party will be entitled to participate in and, to the
extent that it elects by delivering written notice to the indemnified party promptly after receiving notice of the commencement of the
action from the indemnified party, jointly with any other indemnifying party similarly notified, to assume the defense of the action,
with counsel selected by the indemnifying party (and satisfactory to the indemnified party), and after notice from the indemnifying party
to the indemnified party of its election to assume the defense, the indemnifying party will not be liable to the indemnified party for
any legal or other expenses except as provided below and except for the reasonable costs of investigation subsequently incurred by the
indemnified party in connection with the defense. The indemnified party will have the right to employ its own counsel in any such action,
but the fees, expenses and other charges of such counsel will be at the expense of such indemnified party unless (i)&#8239;the employment
of counsel by the indemnified party has been authorized in writing by the indemnifying party, (ii)&#8239;the indemnified party has reasonably
concluded (based on advice of counsel) that there may be legal defenses available to it or other indemnified parties that are different
from or in addition to those available to the indemnifying party, (iii)&#8239;the indemnified party has reasonably concluded that a conflict
or potential conflict exists (based on advice of counsel) between the indemnified party and the indemnifying party (in which case the
indemnifying party shall not have the right to direct the defense of such action on behalf of the indemnified party) or (iv)&#8239;the
indemnifying party has not in fact employed counsel satisfactory to the indemnified party to assume the defense of such action within
a reasonable time after receiving notice of the commencement of the action, in each of which cases the fees, disbursements and other charges
of counsel shall be at the expense of the indemnifying party or parties. It is understood that the indemnifying party or parties shall
not, in connection with any proceeding or related proceedings in the same jurisdiction, be liable for the fees, disbursements and other
charges of more than one separate firm admitted to practice in such jurisdiction at any one time for all such indemnified party or parties.
All such fees, disbursements and other charges shall be reimbursed by the indemnifying party promptly as they are incurred. An indemnifying
party shall not be liable for any settlement of any action or claim effected without its written consent (which consent will not be unreasonably
withheld or delayed). No indemnifying party shall, without the prior written consent of each indemnified party, settle or compromise or
consent to the entry of any judgment in any pending or threatened claim, action or proceeding relating to the matters contemplated by
this Section&#8239;9 (whether or not any indemnified party is a party thereto), unless such settlement, compromise or consent (i)&#8239;includes
an unconditional release of each indemnified party from all liability arising or that may arise out of such claim, action or proceeding
and (ii)&#8239;does not include a statement as to or an admission of fault, culpability or a failure to act by or on behalf of any indemnified
party. Notwithstanding the foregoing, if at any time an indemnified party shall have requested an indemnifying party to reimburse the
indemnified party for fees and expenses of counsel to the extent required hereunder, such indemnifying party agrees that it shall be liable
for any settlement as contemplated by Section&#8239;9(a), effected without its written consent if (i)&#8239;such settlement is entered into
more than 45 days after receipt by such indemnifying party of the aforesaid request, (ii)&#8239;such indemnifying party shall have received
notice of the terms of such settlement at least 30 days prior to such settlement being entered into and (iii)&#8239;such indemnifying party
shall not have reimbursed such indemnified party in accordance with such request prior to the date of such settlement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(d)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Contribution</I>.
In order to provide for just and equitable contribution in circumstances in which the indemnification provided for in the foregoing paragraphs
of this Section&#8239;9 is applicable in accordance with its terms but for any reason is held to be unavailable from the Company or the
Underwriters, the Company and the Underwriters shall contribute to the total losses, claims, liabilities, expenses and damages (including
any investigative, legal and other expenses reasonably incurred in connection with, and any amount paid in settlement of, any action,
suit or proceeding or any claim asserted, but after deducting any contribution received by the Company from persons other than the Underwriters,
such as persons who control the Company within the meaning of the Securities Act, officers or directors of the Company, who also may be
liable for contribution) to which the Company and the Underwriters may be subject in such proportion as shall be appropriate to reflect
the relative benefits received by the Company, on the one hand, and the Underwriters, on the other hand. The relative benefits received
by the Company, on the one hand, and the Underwriters, on the other hand, shall be deemed to be in the same respective proportions as
the total net proceeds from the offering of the Securities pursuant to this Agreement (before deducting expenses) received by the Company
and the total discounts and commissions received by the Underwriters bear to the aggregate initial offering price of the Securities. If,
but only if, the allocation provided by the foregoing sentence is not permitted by applicable law, the allocation of contribution shall
be made in such proportion as is appropriate to reflect not only the relative benefits referred to in the foregoing sentence but also
the relative fault of the Company, on the one hand, and the Underwriters, on the other hand, with respect to the statements or omissions
which resulted in such loss, claim, liability, expense or damage, or action in respect thereof, as well as any other relevant equitable
considerations. Such relative fault shall be determined by reference to whether any such untrue or alleged untrue statement of a material
fact or omission or alleged omission to state a material fact relates to information supplied by the Company, on the one hand, or the
Underwriters, on the other hand, the intent of the parties and their relative knowledge, access to information and opportunity to correct
or prevent such statement or omission or inaccuracy. The Company and the Underwriters agree that it would not be just and equitable if
contributions pursuant to this Section&#8239;9(d)&#8239;were to be determined by pro rata allocation or by any other method of allocation
(even if the Underwriters were treated as one entity for such purpose) which does not take into account the equitable considerations referred
to herein. The amount paid or payable by an indemnified party as a result of the loss, claim, liability, expense or damage, or action
in respect thereof, referred to above shall be deemed to include, for purposes of this Section&#8239;9(d), any legal or other expenses
incurred by such indemnified party in connection with investigating or defending any such action or claim. Notwithstanding the provisions
of this Section&#8239;9(d), no Underwriter shall be required to contribute any amount in excess of the discounts and commissions actually
received by it, and no person found guilty of fraudulent misrepresentation (within the meaning of Section&#8239;11(f)&#8239;of the Securities
Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. The Underwriters&rsquo;
obligations to contribute as provided in this Section&#8239;9(d)&#8239;are several, and not joint, in proportion to their respective commitments
as set forth opposite their names in <U>Schedule I</U>. For purposes of this Section&#8239;9(d), any person who controls a party to this
Agreement within the meaning of the Securities Act will have the same rights to contribution as that party, and each director of the Company
will have the same rights to contribution as the Company, and each affiliate, director, officer, employee, counsel or agent of any Underwriter
will have the same rights to contribution as such Underwriter, subject in each case to the provisions hereof. Any party entitled to contribution,
promptly after receipt of notice of commencement of any action against such party in respect of which a claim for contribution may be
made under this Section&#8239;9(d), will notify any such party or parties from whom contribution may be sought, but the omission so to
notify will not relieve the party or parties from whom contribution may be sought from any other obligation it or they may have under
this Section&#8239;9(d). No party will be liable for contribution with respect to any action or claim settled without its written consent
(which consent will not be unreasonably withheld).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Termination</U>.
The obligations of the Underwriters under this Agreement may be terminated at any time prior to the Closing Date by notice to the Company
from the Representatives if, prior to delivery and payment for the Securities, any of the following shall occur:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(a)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>trading
in any securities of the Company has been suspended or materially limited by the Commission or NYSE;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(b)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>trading
in securities generally on the NASDAQ or the NYSE shall have been suspended or materially limited;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(c)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>a
general banking moratorium shall have been declared by any of federal or New York authorities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(d)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>there
shall have occurred a material disruption in commercial banking or securities settlement or clearance services; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(e)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>the
United States shall have become engaged in new hostilities, there shall have been an escalation in new or existing hostilities involving
the United States or there shall have been a declaration of a national emergency or war by the United States or there shall have occurred
such a material adverse change in general economic, political or financial conditions, including, without limitation, as a result of terrorist
activities after the date hereof (or the effect of international conditions on the financial markets in the United States shall be such),
or any other calamity or crisis shall have occurred, the effect of any of which, in the judgement of the Representatives, makes it impracticable
or inadvisable to proceed with the offering, sale or delivery of the Securities in the manner and on the terms described in the General
Disclosure Package or to enforce contracts for the sale of securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Any termination pursuant to
this Section&#8239;10 shall be without liability on the part of (i)&#8239;the Company to any Underwriter, (ii)&#8239;any Underwriter to the
Company, or (iii)&#8239;any party hereto to any other party, except that, in each case, the provisions of Section&#8239;9 hereof shall at
all times be effective and shall survive such termination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Substitution
of Underwriters</U>. If any one or more of the several Underwriters shall fail or refuse to purchase Securities that it or they have agreed
to purchase hereunder on the Closing Date, and the aggregate principal amount of Securities that such defaulting Underwriter or Underwriters
agreed but failed or refused to purchase is not more than one-tenth of the aggregate principal amount of the Securities to be purchased
on such date, the non-defaulting Underwriters shall be obligated, severally, to purchase the Securities that such defaulting Underwriter
or Underwriters agreed but failed or refused to purchase on the Closing Date (for the avoidance of doubt, in addition to the principal
amount of Securities that the non-defaulting Underwriters agreed to purchase hereunder), in the proportions that the principal amount
of Securities that they have respectively agreed to purchase as set forth on <U>Schedule I</U> bears to the aggregate principal amount
of Securities that all such non-defaulting Underwriters have so agreed to purchase, or in such other proportions as the Representatives
shall specify; <U>provided</U> that in no event shall the maximum principal amount of Securities that any non-defaulting Underwriter has
become obligated to purchase be increased pursuant to this Section&#8239;11 by more than one-ninth of the principal amount of Securities
agreed to be purchased by such non-defaulting Underwriter without the prior written consent of such non-defaulting Underwriter. If any
one or more of the Underwriters shall fail or refuse to purchase Securities and the aggregate principal amount of Securities that such
defaulting Underwriter or Underwriters agreed but failed or refused to purchase exceeds one-tenth of the aggregate principal amount of
Securities to be purchased on the Closing Date, and arrangements satisfactory to the Representatives and the Company for the purchase
of such Securities are not made within 48 hours after such default, this Agreement will terminate without liability on the part of any
non-defaulting Underwriter or the Company, except that the provisions of Sections 6, 8 and 9 hereof shall at all times be effective and
shall survive such termination. In any such case either the Representatives or the Company shall have the right to postpone the Closing
Date, but in no event for longer than seven days, in order that the required changes, if any, in the Prospectus or in any other documents
or arrangements may be effected. As used in this Agreement, the term &ldquo;<U>Underwriter</U>&rdquo; shall be deemed to include any person
substituted for a defaulting Underwriter under this Section&#8239;11. Any action taken pursuant to this Section&#8239;11 shall not relieve
any defaulting Underwriter from liability in respect of any default of such Underwriter under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><U>Miscellaneous</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(a)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Notices</I>.
Notice given pursuant to any of the provisions of this Agreement shall be in writing and, unless otherwise specified, shall be mailed,
hand delivered or telecopied (i)&#8239;if to the Company, at the office of the Company, One Moody Plaza, Galveston, TX 77550, Attention:
Tim Walsh, with a copy to: Cravath, Swaine&#8239;&amp; Moore LLP, Two Manhattan West, New York, NY 10001, Attention: Ryan Patrone or (ii)&#8239;if
to the Underwriters, c/o Wells Fargo Securities, LLC, 550 South Tryon Street, 5th Floor, Charlotte, North Carolina 28202, Attention: Legal
Department, with a copy to: Skadden, Arps, Slate, Meagher&#8239;&amp; Flom LLP, One Manhattan West, New York, NY 10001, Attention: Dwight
Yoo. Any such notice shall be effective only upon receipt. Any notice under Section&#8239;9 hereof may be made by telecopy or telephone,
but if so made shall be subsequently confirmed in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(b)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>No
Third Party Beneficiaries</I>. This Agreement has been and is made solely for the benefit of the several Underwriters, the Company and
the controlling persons, directors, officers, employees, counsel and agents referred to in Section&#8239;9 hereof, and their respective
successors and assigns, and no other person shall acquire or have any right under or by virtue of this Agreement. The term &ldquo;successors
and assigns&rdquo; as used in this Agreement shall not include any subsequent purchaser or other purchaser of the Securities as such from
the Underwriters in his, her or its capacity as such a purchaser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(c)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Survival
of Representations and Indemnities</I>. All indemnities, agreements, representations, warranties and other statements of the Company,
its officers and the several Underwriters set forth in or made pursuant to this Agreement will remain in full force and effect, regardless
of any investigation made by or on behalf of any Underwriter, the Company or any of their partners, officers or directors or any controlling
person, as the case may be, and shall survive delivery of and payment for the Securities sold hereunder and any termination of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(d)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Disclaimer
of Fiduciary Relationship</I>. The Company acknowledges and agrees that: (i)&#8239;the purchase and sale of the Securities pursuant to
this Agreement, including the determination of the offering price of the Securities and any related discounts and commissions, is an arm&rsquo;s-length
commercial transaction between the Company, on the one hand, and the several Underwriters, on the other hand, (ii)&#8239;in connection
with the offering contemplated by this Agreement and the process leading to such transaction, each Underwriter is and has been acting
solely as a principal and is not the agent or fiduciary of the Company, or its securityholders, creditors or employees or any other party,
(iii)&#8239;no Underwriter has assumed or will assume any advisory or fiduciary responsibility in favor of the Company with respect to
the offering of the Securities contemplated by this Agreement or the process leading thereto (irrespective of whether such Underwriter
or its affiliates has advised or is currently advising the Company on other matters) or any other obligation to the Company with respect
to the offering of the Securities contemplated by this Agreement except the obligations expressly set forth in this Agreement, (iv)&#8239;the
several Underwriters and their respective affiliates may be engaged in a broad range of transactions that involve interests that differ
from those of the Company, and (v)&#8239;the Underwriters have not provided any legal, accounting, regulatory or tax advice with respect
to the offering contemplated by this Agreement, and the Company has consulted its own legal, accounting, regulatory and tax advisors to
the extent it deemed appropriate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(e)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Actions
of the Representatives</I>. Any action by the Underwriters hereunder may be taken by the Representatives on behalf of the Underwriters,
and any such action taken by the Representatives shall be binding upon the Underwriters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(f)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Governing
Law</I>. This agreement shall be governed by and construed in accordance with the laws of the State of New York applicable to agreements
made and to be performed entirely within such state. Each party hereto hereby irrevocably submits for purposes of any action arising from
this Agreement brought by the other party hereto to the jurisdiction of the courts of the State of New York located in the Borough of
Manhattan and the U.S. District Court for the Southern District of New York.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(g)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Counterparts;
Electronic Signatures</I>. This Agreement may be signed in two or more counterparts with the same effect as if the signatures thereto
and hereto were upon the same instrument. Delivery of an executed counterpart of this Agreement by facsimile or other electronic communication
shall be equally effective as delivery of an original executed counterpart hereof (including electronic signatures complying with the
U.S. federal ESIGN Act of 2000, e.g., DocuSign or a copy of a duly signed document sent via email).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(h)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Recognition
of the U.S. Special Resolution Regimes</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(i)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>In
the event that any Underwriter that is a Covered Entity (as defined below) becomes subject to a proceeding under a U.S. Special Resolution
Regime, the transfer from such Underwriter of this Agreement, and any interest and obligation in or under this Agreement, will be effective
to the same extent as the transfer would be effective under the U.S. Special Resolution Regime if this Agreement, and any such interest
and obligation, were governed by the laws of the United States or a state of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(ii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>In
the event that any Underwriter that is a Covered Entity or a BHC Act Affiliate (as defined below) of such Underwriter becomes subject
to a proceeding under a U.S. Special Resolution Regime, Default Rights (as defined below) under this Agreement that may be exercised against
such Underwriter are permitted to be exercised to no greater extent than such Default Rights could be exercised under the U.S. Special
Resolution Regime (as defined below) if this Agreement were governed by the laws of the United States or a state of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(iii)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT>As
used in this Section&#8239;12(h), &ldquo;BHC Act Affiliate&rdquo; has the meaning assigned to the term &ldquo;affiliate&rdquo; in, and
shall be interpreted in accordance with, 12 U.S.C. &sect;&#8239;1841(k); &ldquo;Covered Entity&rdquo; means any of the following: (A)&#8239;a
 &ldquo;covered entity&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect;&#8239;252.82(b), (B)&#8239;a
 &ldquo;covered bank&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 47.3(b)&#8239;or (C)&#8239;a
 &ldquo;covered FSI&rdquo; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &sect;&#8239;382.2(b); &ldquo;Default
Right&rdquo; has the meaning assigned to that term in, and shall be interpreted in accordance with, 12 C.F.R. &sect;&sect;&#8239;252.81,
47.2 or 382.1, as applicable; and &ldquo;U.S. Special Resolution Regime&rdquo; means each of (A)&#8239;the Federal Deposit Insurance Act
and the regulations promulgated thereunder and (B)&#8239;Title&#8239;II of the Dodd-Frank Wall Street Reform and Consumer Protection Act
and the regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</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">(i)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Survival
of Provisions upon Invalidity of Any Single Provision</I>. In case any provision in this Agreement shall be invalid, illegal or unenforceable,
the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(j)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Waiver
of Jury Trial</I>. THE COMPANY AND THE UNDERWRITERS EACH HEREBY IRREVOCABLY WAIVE ANY RIGHT THEY HAVE MAY&#8239;HAVE TO A TRIAL BY JURY
IN RESPECT OF ANY CLAIM BASED UPON OR ARISING OUT OF THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(k)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Titles
and Subtitles</I>. The titles of the sections and subsections of this Agreement are for convenience and reference only and are not to
be considered in construing this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(l)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Compliance
with USA Patriot Act</I>. In accordance with the requirements of the USA Patriot Act (Title III of Pub. L. 107-56 (signed into law October&#8239;26,
2001)), the Underwriters are required to obtain, verify and record information that identifies their respective clients, including the
Company, which information may include the name and address of their respective clients, as well as other information that will allow
the Underwriters to properly identify their respective clients.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">(m)</FONT><FONT STYLE="font-size: 10pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</FONT><I>Entire
Agreement</I>. This Agreement embodies the entire agreement and understanding between the parties hereto and supersedes all prior agreements
and understandings relating to the subject matter hereof. This Agreement may not be amended or otherwise modified or any provision hereof
waived except by an instrument in writing signed by the Representatives and the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Please confirm that the foregoing
correctly sets forth the agreement between the Company and the Underwriters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Very truly yours,</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&#8239;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">AMERICAN NATIONAL GROUP INC.</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&#8239;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Reza Syed&#8239;&#8239;&#8239;&#8239;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Reza Syed</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&#8239;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Chief Financial Officer and Executive Vice President</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT><I>[Signature
Page&#8239;to Underwriting Agreement]</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Confirmed as of the date first above mentioned:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>WELLS FARGO SECURITIES, LLC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="text-transform: uppercase"><B>BNP
Paribas Securities corp.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="text-transform: uppercase"><B>rbc
capital markets, LLC</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Acting on behalf of themselves and as<BR>
Representatives of the several<BR>
Underwriters named in <U>Schedule I</U> hereof</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">WELLS FARGO SECURITIES, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: bottom">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%">By:</TD>
<TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Lucas Werner&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;</TD>
<TD STYLE="font-size: 10pt; width: 50%">&#8239;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
<TD STYLE="font: 10pt Times New Roman, Times, Serif">Name:</TD>
<TD STYLE="font: 10pt Times New Roman, Times, Serif">Lucas Werner&#8239;</TD>
<TD STYLE="font-size: 10pt">&#8239;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
<TD STYLE="font: 10pt Times New Roman, Times, Serif">Title:</TD>
<TD STYLE="font: 10pt Times New Roman, Times, Serif">Vice President&#8239;</TD>
<TD STYLE="font-size: 10pt">&#8239;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="text-transform: uppercase">BNP Paribas
Securities corp.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; text-align: justify; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid; width: 45%">/s/ Amanda Asali&#8239;&#8239;&#8239;&#8239;</TD>
<TD STYLE="font-size: 10pt; width: 50%">&#8239;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; text-align: justify">Name:</TD>
    <TD STYLE="font-size: 10pt">Amanda Asali&#8239;</TD>
<TD STYLE="font-size: 10pt">&#8239;</TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; text-align: justify">Title:</TD>
    <TD STYLE="font-size: 10pt">Director - Head of US Insurance DCM</TD>
<TD STYLE="font-size: 10pt">&#8239;</TD></TR>
</TABLE>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="text-transform: uppercase">rbc capital
markets, LLC</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; text-align: justify; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid; width: 45%">/s/ Scott G. Primrose</TD>
    <TD STYLE="font-size: 10pt; width: 50%">&#8239;</TD>
</TR>
<TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; text-align: justify">Name:</TD>
    <TD STYLE="font-size: 10pt">Scott G. Primrose&#8239;</TD>
    <TD STYLE="font-size: 10pt">&#8239;</TD>
</TR>
<TR STYLE="font-size: 10pt; vertical-align: top; text-align: justify">
<TD STYLE="font-size: 10pt; text-align: justify">Title:</TD>
    <TD STYLE="font-size: 10pt">Authorized Signatory&#8239;</TD>
    <TD STYLE="font-size: 10pt">&#8239;</TD>
</TR></TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT><I>[Signature
Page&#8239;to Underwriting Agreement]</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT>Schedule
I</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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-size: 10pt; font-weight: bold">Underwriters</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">&#8239;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold">Principal <BR> Amount of 2035 <BR> Notes</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; width: 87%; text-align: left">Wells Fargo Securities, LLC</TD><TD STYLE="padding-bottom: 2.5pt; width: 1%; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; width: 10%; font-size: 10pt; text-align: right">126,000,000</TD><TD STYLE="padding-bottom: 2.5pt; width: 1%; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">BNP Paribas Securities Corp.</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">126,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">RBC Capital Markets, LLC</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">126,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">Brookfield Securities LLC</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">49,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">U.S. Bancorp Investments,&#8239;Inc.</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">49,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">BMO Capital Markets Corp.</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">35,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">HSBC Securities (USA) Inc.</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">35,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">Mizuho Securities USA LLC</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">35,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">TD Securities (USA) LLC</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">35,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">Barclays Capital Inc.</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">14,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">CIBC World Markets Corp.</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">14,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">Citigroup Global Markets Inc.</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">14,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">Credit Agricole Securities (USA) Inc.</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">14,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">Goldman Sachs&#8239;&amp; Co. LLC</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">14,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">PNC Capital Markets LLC</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">&#8239;</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">14,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif">Total</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt">&#8239;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">700,000,000</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&#8239;</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

<!-- Field: Page; Sequence: 32 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<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"><FONT>Schedule
II</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; margin: 0pt 0"><FONT>&#8239;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">Pricing
Term Sheet, dated as of June&#8239;</FONT>24, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

<!-- Field: Page; Sequence: 33 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&#8239;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Issuer Free Writing Prospectus</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Filed Pursuant to Rule&#8239;433</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Registration No.&#8239;333-281155</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>$700,000,000 6.000% Senior Notes due 2035</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">June&#8239;24, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information in this pricing term sheet relates to the offering
of the securities specified herein and should be read together with the preliminary prospectus supplement, dated June&#8239;24, 2025 (the
 &ldquo;Preliminary Prospectus Supplement&rdquo;), including the documents incorporated by reference therein, and the accompanying prospectus,
dated August&#8239;30, 2024 (Registration Statement File No.&#8239;333-281155). The information in this pricing term sheet supplements the
Preliminary Prospectus Supplement and supersedes the information in the Preliminary Prospectus Supplement to the extent it is inconsistent
with the information contained therein. This pricing term sheet is otherwise qualified in its entirety by reference to the Preliminary
Prospectus Supplement. Capitalized terms used and not defined herein have the meanings assigned in the Preliminary Prospectus Supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-bottom: 5pt; vertical-align: top; width: 51%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Issuer:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; vertical-align: bottom; width: 49%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">American National Group Inc. (the &ldquo;Issuer&rdquo;)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 5pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Security Description:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.000% Senior Notes due 2035 (the &ldquo;Notes&rdquo;)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 5pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Legal Format:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SEC-registered</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 5pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Principal Amount:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$700,000,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Gross Proceeds:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$697,935,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Trade Date:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June&#8239;24, 2025</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Settlement Date**:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June&#8239;27, 2025 (T+3)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Maturity Date:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">July&#8239;15, 2035</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Interest Payment Dates:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Semi-annually on January&#8239;15 and July&#8239;15 of each year, beginning on January&#8239;15, 2026</FONT></TD></TR>
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    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Record Dates:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">January&#8239;1 and July&#8239;1</FONT></TD></TR>
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    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Coupon:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.000% </FONT></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 5pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Price to the Public:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.705% of principal amount, plus accrued interest from June&#8239;27, 2025 if settlement occurs after that date</FONT></TD></TR>
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    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Yield to Maturity:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.039%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Benchmark Treasury:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">UST 4.250% due May&#8239;15, 2035</FONT></TD></TR>
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    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Spread to Benchmark Treasury:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">UST + 175 bps</FONT></TD></TR>
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    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Benchmark Treasury Price / Yield:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99-22 / 4.289%</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&#8239;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&#8239;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
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    <TD STYLE="padding-bottom: 5pt; width: 49%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Prior to April&#8239;15, 2035 (three (3)&#8239;months prior to maturity), at greater of par and make-whole at UST + 30 bps</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Par Call:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At any time on or after April&#8239;15, 2035 (three (3)&#8239;months prior to maturity)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CUSIP:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">025676AQ0</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ISIN:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">US025676AQ00</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
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    <TD STYLE="padding-bottom: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2,000 x $1,000</FONT></TD></TR>
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    <TD STYLE="padding-bottom: 5pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Joint Book-Running Managers:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Wells Fargo Securities, LLC</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">BNP Paribas Securities Corp.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">RBC Capital Markets, LLC</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Brookfield Securities LLC</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">U.S. Bancorp Investments,&#8239;Inc.</P></TD></TR>
  <TR>
    <TD STYLE="padding-bottom: 5pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Co-Managers:</B></FONT></TD>
    <TD STYLE="padding-bottom: 5pt; vertical-align: bottom">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Barclays Capital Inc.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">BMO Capital Markets Corp.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">CIBC World Markets Corp.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Citigroup Global Markets Inc.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Credit Agricole Securities (USA) Inc.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Goldman Sachs&#8239;&amp; Co. LLC</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">HSBC Securities (USA) Inc.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Mizuho Securities USA LLC</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PNC Capital Markets LLC</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">TD Securities (USA) LLC</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>


<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>*A securities rating is not a recommendation to buy, sell or hold
securities and should be evaluated independently of any other rating. The rating may be subject to revision or withdrawal at any time
by the assigning rating organization.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>**Under Rule&#8239;15c6-1 under the Securities Exchange Act of 1934,
as amended, trades in the secondary market generally are required to settle in one business day, unless the parties to any such trade
expressly agree otherwise. Accordingly, purchasers who wish to trade the Notes on any date prior to the business day before delivery of
the Notes will be required, by virtue of the fact that the Notes initially will settle in T+3, to specify an alternate settlement cycle
at the time of any such trade to prevent a failed settlement and should consult their own advisors.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The Issuer has filed a registration statement (including a prospectus
and a preliminary prospectus supplement) with the U.S. Securities and Exchange Commission (the &ldquo;SEC&rdquo;) for the offering to
which this communication relates. Before you invest, you should read the prospectus in that registration statement, the preliminary prospectus
supplement, and any other documents the Issuer has filed with the SEC for more complete information about the Issuer and this offering.
You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, copies of the documents may be
obtained by contacting the underwriters of the offering by calling Wells Fargo Securities, LLC toll-free at 1-800-645-3751, BNP Paribas
Securities Corp. toll-free at 1-800-854-5674, or RBC Capital Markets, LLC toll-free at 1-866-375-6829.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</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">&#8239;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>This pricing term sheet does not constitute an offer to sell or
the solicitation of an offer to buy any securities in any jurisdiction to any person to whom it is unlawful to make such offer or solicitation
in such jurisdiction.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Any legend, disclaimer or other notice that may appear below is
not applicable to this communication and should be disregarded. Such legend, disclaimer or notice was automatically generated as a result
of this communication being sent by Bloomberg or another system.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#8239;</P>

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

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>ael-20250624_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
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<span style="display: none;">v3.25.2</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Jun. 24, 2025</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">Jun. 24,  2025<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_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-31911<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_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">AMERICAN NATIONAL GROUP INC.<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_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001039828<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_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">42-1447959<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_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<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_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">One Moody Plaza<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_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Galveston<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_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">TX<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_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">77550<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_CityAreaCode', window );">City Area Code</a></td>
<td class="text">888<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_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">221-1234<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_WrittenCommunications', window );">Written Communications</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_SolicitingMaterial', window );">Soliciting Material</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_PreCommencementTenderOffer', window );">Pre-commencement 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_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer 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_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_SeriesBPreferredStockMember', window );">Series B 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 6.625% Fixed-Rate Reset Non-Cumulative Preferred Stock, Series
    B<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">ANGpB<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_SeriesDPreferredStockMember', window );">Series D 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 7.375% Fixed-Rate Non-Cumulative Preferred Stock, Series D<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">ANGpD<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_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>
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<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>
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<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>
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<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>
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<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
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<td>na</td>
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<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>
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<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<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> -Number 240<br> -Section 14a<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>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<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>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td>na</td>
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