Genworth operates through three divisions: U.S. Life Insurance, which includes life insurance, long term care insurance and fixed annuities; Global Mortgage Insurance, containing U.S. Mortgage Insurance and International Mortgage Insurance segments; and the Corporate and Other division, which includes the International Protection and Runoff segments. Products and services are offered through financial intermediaries, advisors, independent distributors and sales specialists. Genworth, headquartered in Richmond, Virginia, traces its roots back to 1871 and became a public company in 2004.For additional information on the entire line of Genworth products, please see our website at: http://www.genworth.com. Disclosures The S&P 500 index is a product of S&P Dow Jones Indices LLC ("SPDJI") and has been licensed for use by Genworth Life and Annuity Insurance Company and Genworth Life Insurance Company hereinafter referred to as "Licensee". Standard & Poor's®, S&P®, and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P") and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Licensee. Licensee Index Universal Life Product(s) are not sponsored, endorsed, sold or promoted by SPDJI, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 index. Foundation Builder Index UL is a flexible-premium, adjustable life insurance policy (commonly known as universal life insurance) with optional index interest crediting. The product, riders, and benefits are subject to the terms and conditions of its policy forms and to state availability and issue limitations. Genworth Life & Annuity: Policy Form No. ICC13GA1006, ICC13GA1007, GA1006-0413 et al., or GA1007-0413 et al. Rider Form Nos. ICC12GA108R or GA108R- 1012 et al.; ICC12GA111R or GA111R- 1012 et al.; ONE-ADB et al.; ONE-CIR- 100 et al.; ONE-WP-TL et al. Genworth Life: Policy Form No. ICC13GL1006, ICC13GL1007, GL1006-0413 et al., or GL1007-0413 et al. Rider Form Nos. ICC12GL108R or GL108R- 1012 et al.; ICC12GL111R or GL111R- 1012 et al.; GE-ONE-ADB et al.; GE-ONE-CIR- 100 et al.; GE-ONE-WP-TL et al. A death benefit is income tax-free (a) unless the policy has been transferred for a valuable consideration by assignment or otherwise, the basis for determining gain or loss in the hands of the transferee is determined in whole or part by reference to such basis in the hands of the transferor, and the transfer is to not to the insured, a partner of the insured, a partnership in which the insured is a partner, or a corporation in which the insured is a shareholder and/or officer and (b) in the case of a life insurance policy that is an employer-owned life insurance contract as that term is defined in section 101(j) of the Internal Revenue Code of 1986, as amended, if the requirements of section 101(j) with respect to such contracts are met.