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May 18, 2004
Guardian Investor Services LLC Announces Two New Appointments
New York, May 18, 2004 - Guardian Investor Services LLC (GIS), a wholly owned subsidiary of The Guardian Life Insurance Company of America, announced today that Brian Krivitsky has been appointed District Sales Vice President of the Western District and Peter Joyce has been appointed Vice President of Internal Sales.
As District Sales Vice President, Brian Krivitsky will lead the wholesaling efforts of variable annuity, mutual fund, and retirement programs throughout California, Hawaii, Alaska, Oregon, Colorado, Arizona, New Mexico, Nevada, Wyoming, Utah, and Idaho. Krivitsky joined GIS in 2001 as Vice President of Internal Sales. A graduate of Northeastern University, he gained his experience in all aspects of financial services sales and support as a retail sales broker with IDS, as an operations manager at BFDS, and as a sales desk manager at New England Financial and SunLife.

Peter Joyce's appointment as Vice President of Internal Sales caps a distinguished career of approximately 30 years in the insurance and investment industry. Joyce has focused on variable annuity sales, marketing and product development since 1986, when he joined New England Financial. As head of GIS' sales desk, which has internal wholesalers located in Quincy, MA and New York City, Joyce will be responsible for supporting sales and marketing efforts in the field. Joyce is a graduate from the City College of New York
"We're thrilled to announce the appointments of Brian Krivitsky and Peter Joyce," said Bruce Long, Executive Vice President, Equity Products, The Guardian Life Insurance Company. "Both gentlemen have long-standing careers in the insurance and financial services industries and we look forward to benefiting from their knowledge and experience here at Guardian."
About Guardian
Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is the fourth largest mutual life insurance company in the United States. As of December 31, 2003, Guardian and its subsidiaries had $37.2 billion in assets. With more than 5,000 employees, over 2,800 financial representatives and nearly 100 agencies nationwide, Guardian and its subsidiaries protect individuals, businesses and their employees with life, disability, health and dental insurance products, and offer 401(k), financial products and trust services. More information on Guardian can be obtained at: www.guardianlife.com.

Guardian Investor Services LLC (GIS)
Guardian Investor Service LLC (GIS) is the distributor of mutual funds. It also distributes fixed and variable annuities; annuities are issued by The Guardian Insurance & Annuity Company, Inc., (GIAC) a Delaware corporation. Both GIS and GIAC are wholly owned subsidiaries of The Guardian Life Insurance Company of America, and they are located at 7 Hanover Square, New York, NY 10004.
Mutual funds and variable annuities are sold by prospectus only. Prospectuses, which include important information, including fees, risks, and expenses, should be read carefully before investing or sending money. Please consider the fund's or company's investment objectives, risks, charges and expenses carefully before investing. To obtain a prospectus, call 1-800-221-3253.
Investments offered through GIS and GIAC are not deposits or obligations of, or guaranteed or endorsed by the Federal Deposit Insurance Corporation, The Federal Reserve Board, the National Credit Union Association, or any other agency. Mutual funds and variable annuities involve risk, including possible loss of principal amount invested.
GIS is a member: NASD, SIPC.
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