The Guardian Investor Income Access® Standardized Performance
Reflecting all charges including the impact of surrender charges.

The average annual total returns assuming that the contract has been surrendered for the variable investment options of The Guardian Investor Income Access® are listed below. These returns reflect fund-level, separate account level and contract level charges as of 3/31/2014 and are calculated from the date the investment option was first available in a variable annuity contract offered through this separate account. These returns are only for the The Guardian Investor Income Access® basic contract. If you have a contract with any of the optional riders sold with this product, returns would be lower.

The Guardian Investor Income Access® and its underlying investment options are sold by prospectus only. Prospectuses contain important information, including fees and expenses. Please read the prospectuses carefully before investing or sending money. Please consider the investment objectives, risks, fees and charges of the investment company carefully before investing.  Prospectuses contain important information, including fees and expenses. Please read the prospectuses carefully before investing or sending money. You should consider the investment objectives, risks, fees and charges of the investment company carefully before investing. The prospectus contains this and other important information. To obtain a prospectus, please click here or contact your financial professional or call 800-221-3253, option 1,0 To obtain a prospectus for the investment options, please contact your financial professional or call 1-800-221-3253.

Past Performance Does Not Guarantee Future Results
Fund NameDate of Initial Offering in this separate account1 Year
%
3 Year
%
5 Year
%
10 Year
%
Since Initial Offering in this Contract
%
Alger
Alger Capital Appreciation Portfolio (Class S Shares)
7/22/02 18.18 11.30 20.43 8.91 9.99
AllianceBernstein
AllianceBernsteinVPS Growth And Income Portfolio (Class B)
7/22/02 16.87 13.19 18.24 4.60 6.93
AllianceBernsteinVPS Large Cap Growth Portfolio (Class B) 7/22/02 18.11 9.68 16.87 4.81 6.16
AllianceBernsteinVPS Real Estate Investment Portfolio (Class B)6 7/22/02 -4.48 8.27 24.67 6.90 10.16
AllianceBernsteinVPS Global Thematic Growth Portfolio (Class B)6 7/22/02 15.46 -1.12 12.41 2.04 3.98
AllianceBernsteinVPS Value Portfolio (Class B) 7/22/02 18.00 10.57 17.66 3.31 5.85
Davis
Davis Financial Portfolio
4/11/05 13.06 8.63 18.13 N/A 2.83
Davis Value Portfolio 4/11/05 16.26 9.00 17.59 N/A 4.18
Davis Real Estate Portfolio 4/11/05 -2.90 5.42 22.54 N/A 3.28
EULAV
Value Line Centurion Fund
5/01/03 14.87 10.72 17.57 3.40 4.71
Value Line Strategic Asset Management Trust 5/01/03 8.42 8.80 15.07 5.66 6.67
Fidelity
Fidelity VIP Balanced Portfolio (Service Class 2)
7/22/02 8.49 5.72 15.97 4.77 5.96
Fidelity VIP Contrafund? Portfolio (Service Class 2) 7/22/02 16.60 9.49 18.93 6.76 8.69
Fidelity VIP Equity-Income Portfolio (Service Class 2) 7/22/02 11.74 10.23 19.30 4.36 6.57
Fidelity VIP Growth Portfolio (Service Class 2) 7/22/02 24.37 11.44 20.45 5.00 6.98
Fidelity VIP Investment Grade Bond Portfolio (Service Class 2) 7/22/02 -5.85 1.01 4.69 2.36 2.87
Fidelity VIP Mid Cap Portfolio (Service Class 2) 7/22/02 18.02 7.55 19.15 8.61 11.18
Franklin Templeton
Franklin Small Cap Value Securities Fund2 (Class 2 Shares)
7/22/02 19.26 10.99 23.23 7.85 9.70
Franklin Rising Dividends Securities Fund (Class 2 Shares) 7/22/02 11.15 11.45 18.18 5.50 7.15
Templeton Growth Securities Fund (Class 2 Shares)6 7/22/02 20.37 9.70 17.19 4.57 5.86
Gabelli
Gabelli Capital Asset Fund
5/01/03 16.74 11.68 23.85 7.77 9.79
Invesco
Invesco VI American Franchise Fund Series II*
5/03/13 22.71 8.09 14.81 2.48 4.74
Invesco V.I. Core Equity Fund (Series II Shares)* 7/22/02 14.03 9.44 16.22 5.28 6.61
Invesco V.I. Value Opportunities Fund (Series II Shares) (formerly Invesco V.I. Basic Value Fund Series II) 7/22/02 16.28 10.60 19.83 2.36 4.87
Invesco V.I. Government Securities Fund (Series II Shares) 7/22/02 -7.28 -0.34 0.60 1.66 1.71
Invesco V.I. Mid Cap Core Equity Fund (Series II Shares) 7/22/02 12.77 5.57 15.10 5.48 7.39
Invesco V.I. Growth And Income Fund (Class II Shares) 7/22/02 15.60 10.37 17.49 5.79 7.52
MFS
MFS Research Bond Series (Service Class)
7/22/02 -5.04 1.47 5.18 2.63 3.50
MFS Core Equity Series 7/22/02 16.30 11.21 19.14 5.52 7.16
MFS Growth Series (Service Class) (Formerly MFS Emerging Growth Series) 7/22/02 17.93 11.84 18.97 7.18 8.83
MFS Investors Trust Series (Service Class) 7/22/02 14.80 10.91 16.85 5.89 7.19
MFS New Discovery Series (Service Class) 7/22/02 13.82 7.36 25.64 7.45 9.30
MFS VIT II Strategic Income Portfolio SC 8/19/13 N/A N/A N/A N/A -0.03
MFS Total Return Series (Service Class) 5/01/03 6.86 6.75 11.45 3.94 4.85
RS
RS Money Market VIP Series4
7/22/02 -5.77 -2.81 -1.81 -0.39 -0.49
RS Small Cap Growth Equity VIP Series2 7/22/02 29.09 13.30 24.33 8.33 11.08
RS Large Cap Alpha VIP Series 7/22/02 19.29 10.42 16.97 6.71 7.95
RS S&P 500 Index VIP Series 7/22/02 15.33 11.48 18.63 5.19 7.23
RS High Yield VIP Series5 7/22/02 1.64 5.39 12.48 5.29 6.12
RS Low Duration Bond VIP Series3 9/02/03 -5.45 -1.14 1.20 1.20 1.24
RS Emerging Markets VIP Series1 7/22/02 -7.83 -7.91 12.70 8.29 10.74
RS International VIP Series1 7/22/02 10.48 4.13 15.80 5.63 6.90
RS Investment Quality Bond Fund VIP Series3 7/22/02 -5.25 1.44 4.30 2.78 3.13
N/A Not Available
All results shown in percents

Investments in The Guardian Investor Income Access® variable annuity or any of its investment options are not deposits or obligations of, or guaranteed or endorsed by any bank or depository institution; further, neither the contract nor such investments are insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Association (NCUA), the Federal Reserve Board, or any other agency. Investment in any of the variable investment options involves risk, including the possible loss of principal.

Performance data quoted is historical. Past performance is no guarantee of future results. Investment return and principal will fluctuate with changes in the market value of the underlying securities. Investors' units, when redeemed, may be worth more or less than the original investment.

You can view your annuity account information, including unit values from your contract, on My Account Manager. Just click on the Account Access tab above to register or log in to My Account Manager. You may also call 1-800-221-3253, Option 2 for further information.

In addition to the deductions reflected in the first set of returns, these returns also reflect deductions for the following two types of charges, which have been calculated using SEC mandated computation methods:

a) a $35.00 contract administrative fee based on an average contract size (which is waived for contracts with an accumulation value over $100,000).

b) any contingent deferred sales charge (CDSC) that would apply upon the surrender of a contract at the end of the stated period. CDSCs apply only to withdrawals made in the first four contract years of amounts attributable to premium payments made during the first three contract years, according to the following schedule: 4% 4%, 3% and 2% for contract years 1 through 4, respectively.

These returns are calculated from the date that the investment option was initially offered in the contract. The performance information in this section reflects a very short period of time and should not be used as an indicator to determine investment option selection. In order to assist you in determining which investment options may be suitable for your individual investment objectives and risk tolerance, we have included the average annual returns for the life of each investment option on the non-standardized performance page.

Performance figures for contract owners who elect an enhanced death benefit or other optional rider would be slightly lower to reflect each rider's applicable annual charges (0.20% of variable investment option assets for the 7-Year Enhanced Death Benefit Rider, 0.25% of variable investment option assets for each of the Earnings Benefit Rider and the Decade Living Benefit Rider, 0.30% of variable investment option assets for the Guaranteed Minimum Death Benefit Rider, 0.25% of variable investment option assets for the Contract Anniversary Enhanced Death Benefit Rider, 0.50% of the Guaranteed Income Base for the Guaranteed Minimum Income Benefit Rider, and for Guaranteed Minimum Withdrawal Benefit riders: Lifetime Focus® 0.65% for single, 0.85% for Spousal, Lifetime AssetAccess 0.60% and Spousal AssetAccess 0.75% of the adjusted Guaranteed Withdrawal Balance.

Effective May 1, 2005 the following fund name changes went into effect: AllianceBernstein Premier Growth Portfolio became AllianceBernstein Large Cap Growth Portfolio; AllianceBernstein Global Thematic Growth Portfolio (formerly AllianceBernstein Global Technology Portfolio).

  • Initial offering of Series II shares took place on 3/26/2002 for the AIM V.I. Aggressive Growth Fund and 9/19/2001 for the AIM V.I. Government Securities Fund, AIM V.I. Growth Fund, and AIM V.I. Premier Equity Fund.
  • Initial offering of Class S for the Alger American Capital Appreciation Portfolio (formerly Alger American Leveraged AllCap Portfolio) took place on 5/1/2002.
  • Initial offering of Class B for AllianceBernstein Growth & Income Portfolio, AllianceBernstein Premier Growth, AllianceBernstein Real Estate Portfolio, and AllianceBernstein Technology Portfolio took place on 6/1/1999, 7/14/1999, 4/24/2001, and 9/22/1999, respectively.
  • Initial offering of Service Class 2 shares for all of the Fidelity funds took place on 1/12/2000. The initial offering of Class 2 shares for all of the Franklin Templeton funds took place on 1/6/1999.
  • Initial offering of Service Class shares for all of the MFS funds took place on 5/1/2000. For the ValueLine funds, a 12b-1 fee became effective on 9/18/2002. Initial offering of Class II shares for Van Kampen LIT Government Portfolio and Van Kampen LIT Growth and Income Portfolio took place on 12/15/2000 and 9/18/2000, respectively.

12b-1 fees were imposed on those dates listed above. Returns prior to those dates do not include the effects of any 12b-1 fees and returns listed would have been lower for each fund if these fees had been in place and reflected in the performance.

All funds involve some risk, including possible loss of principal amount invested. There are some additional risks to consider when investing in certain funds. Certain portfolios may have similar investment objectives and policies and, in some cases, similar names to retail mutual funds managed by the same manager. The portfolios named are not the same funds as the retail funds. As a result, specific investments may be different and investment results may be higher or lower.

  • Small-cap investing entails special risks. Small-cap stocks have tended to be more volatile than large-cap stocks. This may happen because small companies may be limited in terms of product lines, financial resources and management. These risks apply to the AIM V.I. Aggressive Growth Fund, The Franklin Small Cap Value Securities Fund, RS Small Cap Growth Equity VIP Series, and the MFS Growth Series (formerly MFS Emerging Growth Series).
  • Sector related funds primarily limit their investments to companies in specific industries. Therefore, this type of fund may be susceptible to factors affecting these industries and the fund’s value may fluctuate more than a fund that invests in a wider range of industries. In addition, the rapid pace of change within many of these industries tends to create a more volatile environment than in other industries, which may lower the market value of the securities of the companies held in this type of fund. These risks apply to the AllianceBernstein Real Estate Investment Portfolio and the AllianceBernstein Global Thematic Growth Portfolio (formerly AllianceBernstein Global Technology Portfolio).
  • International investing has special risks relating to changes in currency rates, foreign taxation, differences in auditing and other financial standards, political uncertainty and greater volatility. These risks are even greater when investing in emerging markets. These risks apply to the Fidelity VIP Contrafund Portfolio, the Fidelity VIP Mid Cap Portfolio, the Templeton Growth Securities Fund, the RS Emerging Markets VIP Fund, the RS International Growth VIP Fund, the MFS Growth Series (formerly MFS Emerging Growth Series), the MFS Investors Trust Series, the MFS New Discovery Series, the MFS Strategic Income Series, and the MFS Total Return Series.
  • High yield bond investing includes special risks. Investments in lower rated and unrated debt securities are subject to a greater loss of principal and interest than investments in higher rated securities. These risks apply to RS High Yield VIP Series.
  • An investment in a bond fund such as RS Low Duration Bond VIP Series or RS High Yield VIP Series exposes you to the general risk of investing in debt markets. Duration is a measure of bond price sensitivity to a given change in interest rates. Generally, the longer a bond’s duration, the greater its price sensitivity to a change in interest rates. Low duration bond funds are not an alternative to money market funds. Low duration bond funds, unlike money market funds, do not seek to maintain a stable net asset value and as a result are a riskier asset class.

* Effective May 1, 2006, pursuant to shareholder approval of a plan of reorganization, assets in the AIM V.I. Aggressive Growth and AIM V.I.Growth Funds were transferred to the AIM V.I. Capital Appreciation Fund. On that date, as a result of the reorganization, the AIM V.I. Aggressive Growth and AIM V.I. Growth Funds ceased operations, and the AIM V.I. Capital Appreciation Fund replaced it as the fund in which the corresponding investment division under this contract invests. Performance for this variable investment option reflects the returns of the AIM V.I. Growth Fund for time periods up to May 1, 2006 and reflects the returns of the AIM V.I. Capital Appreciation Fund for time periods beginning on and after May 1, 2006.

Effective May 1, 2006, pursuant to shareholder approval of a plan of reorganization, assets in the AIM V.I. Premier Equity Fund were transferred to the AIM V.I. Core Equity Fund. On that date, the AIM V.I. Premier Equity Fund ceased operations and the AIM V.I. Core Equity Fund replaced it as the fund in which the corresponding investment division under this contract invests. Performance for this variable investment option reflects the return of the AIM V.I. Premier Equity Fund for time periods up to May 1, 2006 and reflects returns of the AIM V.I. Core Equity Fund for time periods beginning on and after May 1, 2006.

All guarantees are backed exclusively by the strength and claims-paying ability of The Guardian Insurance & Annuity Company, Inc. (GIAC). Variable annuities are issued by GIAC, a Delaware corporation, and distributed by Guardian Investor Services LLC (GIS). Both GIAC and GIS are wholly owned subsidiaries of The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004. Contract provisions and investment options vary by state.

Distributed by: Guardian Investor Services LLC (GIS) 7 Hanover Square, New York, NY 10004.

GIS is a member: FINRA, SIPC.


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