Annuities and variable insurance products are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC) a Delaware corporation. Variable insurance products and mutual funds are distributed by Guardian Investor Services LLC (GIS). GIAC and GIS are located at 7 Hanover Square, NY, NY 10004. GIAC and GIS are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY.

Guardian Investor Services LLC (GIS), located at 7 Hanover Square, New York, NY 10004, (800) 221-3253 is the distributor of RS Funds, which is sold by prospectus only. The prospectus contains important information including fees and expenses. You should consider the fund's investment objectives, risk and charges and expenses carefully before investing or sending money. Please call 1-800-766-FUNDS for a prospectus. GIS is an indirect wholly owned subsidiary of The Guardian Life Insurance Company of America, New York, NY.

Investments in RS Funds are not deposits obligations of, or guaranteed or endorsed by, any bank or depository institution, nor are they insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Association (NCUA), the Federal Reserve Board, or any other agency. They involve investment risks including possible loss of principal amount invested. Investment return and principal value of an investment will fluctuate and shares, when redeemed, may be worth more or less than their original cost.

Securities products and services are offered through Park Avenue Securities LLC(PAS) and Guardian Investor Services LLC (GIS) located at 7 Hanover Square, New York, NY 10004. GIS and PAS are indirect wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY.