Common use of Report Suspicious Activity To Clause in Contracts

Report Suspicious Activity To. Contact: Xxxxxx X. Xxxxxx (Xxxx), Assistant Vice President, Corporate Compliance, Chief Compliance Officer for Anti-Money Laundering Mail: P.O. Box 1896, Galveston, Texas 00000-0000 Phone: (000) 000-0000 Fax: (000) 000-0000 Email: XXXXxxxxxxxxx@xxxxx.xxx Types of Payments Accepted Advise customers that only the following types of payment may be accepted: • Personal checks and pre-authorized check payments. • Cash (currency or coin) in amounts less than $1,000. (Cannot accept cash for variable contracts.) • Cash equivalents (money orders, cashier’s checks, traveler’s checks, bank drafts). - Cash and cash equivalents must be reported to the IRS and FinCEN on Form 8300 when payments received by the Company in a single transaction or in two or more related transactions total more than $10,000. Related transactions occurring within any 12-month period would be aggregated for reporting purposes even if individually they are less than $10,000. [Agents may have independent reporting obligations and should check their Company’s website for additional information.] - Limited to $500 for variable contracts. • If a customer provides a form of payment that is not permitted, do not accept the payment and notify the appropriate AML compliance officer if it is in an amount greater than $1,000. NOTE: An employee, agent or broker must not, under any circumstances, disclose that he has reported suspicious activity or red flags to the Company. It is the sole responsibility of the Company’s AML officer to determine whether a SAR is filed with the Dept. of Treasury. The AML officer and the Company are prohibited from disclosing to the agent and any other person that a SAR has been filed. The Company and its producers share an important responsibility to comply with the Company’s program and all applicable anti-money laundering laws. A failure to do so will constitute grounds for discipline, up to and including termination. In addition, violation of anti-money laundering laws may expose those responsible to substantial penalties under federal law. For more details on each of these requirements, contact the AML officer of American National or of SM&R, for broker/dealer questions involving variable contracts.

Report Suspicious Activity To. Contact: Xxxxxx X. Xxxxxx (Xxxx)Xxxxxx, Assistant Vice PresidentAVP, Corporate Compliance, Chief Compliance Officer for Anti-Money Laundering AML/OFAC Mail: P.O. Box 1896X.X. Xxx 0000 Xxxxxxxxx, Galveston, Texas XX 00000-0000 Phone: (000) 000-0000 Fax: (000) 000-0000 Email: XXXXxxxxxxxxx@xxxxx.xxx Types of Payments Accepted Advise customers that only the following types of payment may be accepted: • Personal checks and pre-authorized check paymentschecks. • Cash (currency or coin) in amounts less than $1,000. (Cannot accept cash for variable contracts.) • Cash equivalents (money orders, cashier’s checks, traveler’s checks, bank drafts). .) - Cash and cash equivalents must be reported to the IRS and FinCEN on Form 8300 when payments received by the Company in a single transaction or in two or more related transactions total more than $10,000. Related transactions occurring within any 12-month period would be aggregated for reporting purposes even if individually they are less than $10,000. [Agents may have independent reporting obligations and should check their Company’s website for additional information.] - Limited to $500 for variable contracts. • If a customer provides a form of payment that is not permitted, do not accept the payment and notify the appropriate AML compliance officer if it is in an amount greater than $1,000. NOTE: An employee, agent or broker must not, under any circumstances, disclose that he or she has reported suspicious activity or red flags to the CompanyAML officer. It is the sole responsibility of the Company’s AML officer to determine whether a SAR is filed with the Dept. of Treasury. The AML officer and the Company are prohibited from disclosing to the agent and any other person that a SAR has been filed. The Company and its producers share an important responsibility to comply with the Company’s program and all applicable anti-money laundering AML laws. A failure to do so will constitute grounds for discipline, up to and including termination. In addition, violation of anti-money laundering AML laws may expose those responsible to substantial penalties under federal law. For more details on each Standard Life and Accident Insurance Company Guide to Anti-Money Laundering Program RECEIPT AND ACKNOWLEDGMENT I have received, read and understand Standard Life’s Company Guide to Anti-Money Laundering. I agree to comply with the requirements of these requirementssuch policies and understand that failure to do so will lead to disciplinary action, contact the AML officer of up to and including termination and appropriate legal sanctions. Date: Print Name: Personal Code or Social Security Number: Signature: CGAML ST-1832 R308 American National or Insurance Company American National Life Insurance Company of SM&RTexas Standard Life and Accident Insurance Company Xxx Xxxxx Xxxxx Galveston, for broker/dealer questions involving variable contractsTX 77550 NOTICE OF PRIVACY POLICY American National Insurance Company and its affiliated companies are committed to providing insurance and annuity products and services designed to meet your needs. We are equally committed to respecting your privacy and protecting the information about you that we may receive. We have prepared this notice to advise you what information we collect, how we use it and how we protect it.

Report Suspicious Activity To. Contact: Xxxxxx X. Xxxxxx (Xxxx), Assistant Vice President, Corporate Compliance, Chief Compliance Officer for Anti-Money Laundering Mail: P.O. Box 1896, Galveston, Texas 00000-0000 Phone: (000) 000-0000 Fax: (000) 000-0000 Email: XXXXxxxxxxxxx@xxxxx.xxx Types of Payments Accepted Advise customers that only the following types of payment may be accepted: • Personal checks and pre-authorized check payments. • Cash (currency or coin) in amounts less than $1,000. (Cannot accept cash for variable contracts.) • Cash equivalents (money orders, cashier’s checks, traveler’s checks, bank drafts). - Cash and cash equivalents must be reported to the IRS and FinCEN on Form 8300 when payments received by the Company in a single transaction or in two or more related transactions total more than $10,000. Related transactions occurring within any 12-month period would be aggregated for reporting purposes even if individually they are less than $10,000. [Agents may have independent reporting obligations and should check their Company’s website for additional information.] - Limited to $500 for variable contracts. • If a customer provides a form of payment that is not permitted, do not accept the payment and notify the appropriate AML compliance officer if it is in an amount greater than $1,000. NOTE: An employee, agent or broker must not, under any circumstances, disclose that he has reported suspicious activity or red flags to the Company. It is the sole responsibility of the Company’s AML officer to determine whether a SAR is filed with the Dept. of Treasury. The AML officer and the Company are prohibited from disclosing to the agent and any other person that a SAR has been filed. The Company and its producers share an important responsibility to comply with the Company’s program and all applicable anti-money laundering laws. A failure to do so will constitute grounds for discipline, up to and including termination. In addition, violation of anti-money laundering laws may expose those responsible to substantial penalties under federal law. For more details on each of these requirements, contact the AML officer of American National or of SM&R, for broker/dealer questions involving variable contracts.. Revised 01/2009 IMG Contracting Form 4475 AUTHORIZATION Required by The Fair Credit Reporting Act The Federal Fair Credit Reporting Act, as amended, provides that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. In accordance with that provision, the person signing this form as "Applicant" hereby authorizes any person or agency to give, in writing, orally, or in any other form, to American National Insurance Company or its designated representatives any information gathered or maintained by a consumer reporting agency bearing on the Applicant's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the Applicant's eligibility for credit, employment or any other purpose authorized under Section 604 of the Act. Further, the Applicant understands that American National Insurance Company may, as part of its normal procedure, request that an investigative consumer credit report be made whereby information on the Applicant's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with business associates, employers, friends, neighbors and others with whom the applicant may be acquainted or who may have knowledge concerning any such items of information. The Applicant authorizes the individual or agency conducting the investigation to give, in writing, orally, or any other form, to American National Insurance Company or its designated representatives any information gathered or obtained during this investigation pertaining to Applicant's production, persistency, commissions, earnings, estimated future earnings, commission advances loans, and debts, including, but not limited to, any indebtedness that may have been charged to the Applicant's manager or agency, or which may have been written off. The Applicant authorizes American National Insurance Company or its designated representatives to use the reports furnished in accordance with this authorization in any deliberations which it or they may undertake to determine whether or not American National Insurance Company will make an offer of a contract to the Applicant. For California, Minnesota or Oklahoma applicants only, if you would like to receive a copy of the consumer report, if one is obtained, please check this box. For California applicants only, if public record information is obtained without using a consumer reporting agency, you will be supplied a copy of the public record information unless you check this box waiving your right to obtain a copy of the report. (Applicant's Printed Name) (Applicant's Signature) (Date) (Social Security Number) Form 4708 Rev. 09/07

Report Suspicious Activity To. Contact: Xxxxxx X. Xxxxxx (Xxxx), Assistant Vice President, Corporate Compliance, Chief Compliance Officer for Anti-Money Laundering Mail: P.O. Box X.X. Xxx 1896, Galveston, Texas 00000-0000 Phone: (000) 000-0000 Fax: (000) 000-0000 Email: XXXXxxxxxxxxx@xxxxx.xxx Types of Payments Accepted Advise customers that only the following types of payment may be accepted: • Personal checks and pre-authorized check payments. • Cash (currency or coin) in amounts less than $1,000. (Cannot accept cash for variable contracts.) • Cash equivalents (money orders, cashier’s checks, traveler’s checks, bank drafts). - Cash and cash equivalents must be reported to the IRS and FinCEN on Form 8300 when payments received by the Company in a single transaction or in two or more related transactions total more than $10,000. Related transactions occurring within any 12-month period would be aggregated for reporting purposes even if individually they are less than $10,000. [Agents may have independent reporting obligations and should check their Company’s website for additional information.] - Limited to $500 for variable contracts. • If a customer provides a form of payment that is not permitted, do not accept the payment and notify the appropriate AML compliance officer if it is in an amount greater than $1,000. NOTE: An employee, agent or broker must not, under any circumstances, disclose that he has reported suspicious activity or red flags to the Company. It is the sole responsibility of the Company’s AML officer to determine whether a SAR is filed with the Dept. of Treasury. The AML officer and the Company are prohibited from disclosing to the agent and any other person that a SAR has been filed. The Company and its producers share an important responsibility to comply with the Company’s program and all applicable anti-money laundering laws. A failure to do so will constitute grounds for discipline, up to and including termination. In addition, violation of anti-money laundering laws may expose those responsible to substantial penalties under federal law. For more details on each of these requirements, contact the AML officer of American National or of SM&R, for broker/dealer questions involving variable contracts. Revised 01/09 IMG Contracting Form 4475 Certification of Completion -- Anti-Money Laundering Training AGENTS – COMPLETE SECTIONS ONE THROUGH THREE Section One: Agent Information Agent’s Name: Social Security No: Address: City: State Zip Code Phone: (daytime) (evening) Section Two: Training Information Title of training program Date training program completed Training was delivered by: (Check all that apply) Insurance company: ❑ (please specify full name and contact information) Broker Dealer: ❑ (please specify full name and contact information) Bank: ❑ (please specify full name and contact information) Vendor: (please specify full name and contact information) Other ❑ (please specify full name and contact information and attach outline of training program if available) Section Three: Agent Affirmation of Anti-Money Laundering Training Program Completion I am a duly licensed insurance agent and affirm that I have completed the above-referenced training program, which to the best of my knowledge satisfies requirements imposed on insurance companies by regulations issued under USA Patriot Act Section 352 (US 31 CFR 103.137). I acknowledge that the insurance company to which this certification has been provided retains the right to review and approve the training program and its curriculum before accepting this certification. I affirm (i) that I have read and understand the insurance company’s AML Guide and (ii) that I am knowledgeable about my obligations under the regulation. Signature of Agent Date: SECTION FOUR IS FOR BROKER-DEALERS, BANKS, AND INSURANCE COMPANIES ONLY Section Four: Attach a certificate documenting the contents of the training program or complete and execute the items below (please check all that apply). ❑ Training program covers the ACLI Core Elements for an AML Course ❑ Training program is in compliance with regulations issued under USA Patriot Act Section 352 (US 31 CFR 103.137 and/or NASD Rule 3011) I affirm that the above referenced agent completed the above referenced training program and that the program either covers the ACLI Core Elements and/or is in compliance with regulations issued under USA Patriot Act Section 352 (US 31 CFR 103.137 and/or NASD Rule 3011). Entity Delivering Training: Name Title Signature: Phone number: Email Address: Form CA-2006-1 Instructions for Certification of Completion Anti-Money Laundering Training Effective May 2, 2006, Insurance Companies are required to establish and maintain Anti-Money Laundering programs for covered products, in accordance with USA PATRIOT Section 352 (US 31 CFR 103.137). Agents and brokers must be integrated into these programs and receive anti-money laundering training. This form was developed to provide you with a convenient means to verify, to the various companies with whom you do business, that you have completed this training. Agent or Broker: You should complete Sections One and Two and execute the affirmation in Section Three. If your training was provided by an insurance company, broker-dealer or bank, that entity must either provide a certificate including an outline of the training program or complete and execute Section Four.

Report Suspicious Activity To. Contact: Xxxxxx X. Xxxxxx (Xxxx), Assistant Vice President, Corporate Compliance, Chief Compliance Officer for Anti-Money Laundering Mail: P.O. Box 1896, Galveston, Texas 00000-0000 Phone: (000) 000-0000 Fax: (000) 000-0000 Email: XXXXxxxxxxxxx@xxxxx.xxx Types of Payments Accepted Advise customers that only the following types of payment may be accepted: • Personal checks and pre-authorized check payments. • Cash (currency or coin) in amounts less than $1,000. (Cannot accept cash for variable contracts.) • Cash equivalents (money orders, cashier’s checks, traveler’s checks, bank drafts). - Cash and cash equivalents must be reported to the IRS and FinCEN on Form 8300 when payments received by the Company in a single transaction or in two or more related transactions total more than $10,000. Related transactions occurring within any 12-month period would be aggregated for reporting purposes even if individually they are less than $10,000. [Agents may have independent reporting obligations and should check their Company’s website for additional information.] - Limited to $500 for variable contracts. • If a customer provides a form of payment that is not permitted, do not accept the payment and notify the appropriate AML compliance officer if it is in an amount greater than $1,000. NOTE: An employee, agent or broker must not, under any circumstances, disclose that he has reported suspicious activity or red flags to the Company. It is the sole responsibility of the Company’s AML officer to determine whether a SAR is filed with the Dept. of Treasury. The AML officer and the Company are prohibited from disclosing to the agent and any other person that a SAR has been filed. The Company and its producers share an important responsibility to comply with the Company’s program and all applicable anti-money laundering laws. A failure to do so will constitute grounds for discipline, up to and including termination. In addition, violation of anti-money laundering laws may expose those responsible to substantial penalties under federal law. For more details on each of these requirements, contact the AML officer of American National or of SM&R, for broker/dealer questions involving variable contracts. Revised 01/09 IMG Contracting Form 4475 Certification of Completion -- Anti-Money Laundering Training AGENTS – COMPLETE SECTIONS ONE THROUGH THREE Section One: Agent Information Agent’s Name: Social Security No: Address: City: State Zip Code Phone: (daytime) (evening) Section Two: Training Information Title of training program Date training program completed Training was delivered by: (Check all that apply) Insurance company: ❑ (please specify full name and contact information) Broker Dealer: ❑ (please specify full name and contact information) Bank: ❑ (please specify full name and contact information) Vendor: (please specify full name and contact information) Other ❑ (please specify full name and contact information and attach outline of training program if available) Section Three: Agent Affirmation of Anti-Money Laundering Training Program Completion I am a duly licensed insurance agent and affirm that I have completed the above-referenced training program, which to the best of my knowledge satisfies requirements imposed on insurance companies by regulations issued under USA Patriot Act Section 352 (US 31 CFR 103.137). I acknowledge that the insurance company to which this certification has been provided retains the right to review and approve the training program and its curriculum before accepting this certification. I affirm (i) that I have read and understand the insurance company’s AML Guide and (ii) that I am knowledgeable about my obligations under the regulation. Signature of Agent Date: SECTION FOUR IS FOR BROKER-DEALERS, BANKS, AND INSURANCE COMPANIES ONLY Section Four: Attach a certificate documenting the contents of the training program or complete and execute the items below (please check all that apply). ❑ Training program covers the ACLI Core Elements for an AML Course ❑ Training program is in compliance with regulations issued under USA Patriot Act Section 352 (US 31 CFR 103.137 and/or NASD Rule 3011) I affirm that the above referenced agent completed the above referenced training program and that the program either covers the ACLI Core Elements and/or is in compliance with regulations issued under USA Patriot Act Section 352 (US 31 CFR 103.137 and/or NASD Rule 3011).