<!-- FLEX HERO IMAGE w/HEADLINE COPY-->
<table cellpadding="0" cellspacing="0" border="0" align="center" style="border-spacing:0; color:#3c3c3c; Margin:0 auto; width:100%; max-width:660px; background-color:#ffffff;">
  <tr>
    <td class="full-width-image" style="padding-top:0; padding-bottom:0; padding-left:0; padding-right:0;">
      <a href="https://www.allianzlife.com" target="_blank" rilt="img_hero" border="0"><img src="https://www.allianzlife.com/~/media/Images/Allianz/em/bits/blue_sky_header" width="660" alt="" style="border-width:0; width:100%; max-width:660px;" /></a>
    </td>
  </tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" align="center" style="border-spacing:0; Margin:0 auto; width:100%; max-width:660px; background-color:#d4edf3;">
  <tr>
    <td style="padding-right:0; padding-left:0; text-align:center; font-size:0; padding-top:20px; padding-bottom:20px;">
      <!--[if (gte mso 9)|(IE)]>
      <table cellpadding="0" cellspacing="0" border="0" width="100%" style="border-spacing:0; color:#333333;">
      <tr>
      <td width="660" valign="top" style="padding-top:0; padding-bottom:0; padding-left:0; padding-right:0;">
      <![endif]-->
      <div style="width:100%; display:inline-block; vertical-align:top;">
        <table cellpadding="0" cellspacing="0" border="0" width="100%" style="border-spacing:0; color:#333333;">
          <tr>
            <td style="padding-top:10px; padding-bottom:10px; padding-right:10px; padding-left:10px; width:100%; font-size:16px; text-align:center;">
              <h1 style="font-weight:normal; font-size:30px; -mso-line-height-rule:exactly; line-height:normal; Margin-top:0; Margin-bottom:0; color:#3c3c3c;">H1 headline</h1>
              <h2 style="font-weight:normal; font-size:24px; -mso-line-height-rule:exactly; line-height:normal; Margin-top:0; Margin-bottom:0; color:#3c3c3c;">H2 headline</h2>
              <h3 style="font-weight:normal; font-size:20px; -mso-line-height-rule:exactly; line-height:normal; Margin-top:0; Margin-bottom:0; color:#3c3c3c;">H3 headline</h3>
            </td>
          </tr>
        </table>
      </div>
      <!--[if (gte mso 9)|(IE)]>
      </td>
      </tr>
      </table>
      <![endif]-->
    </td>
  </tr>
</table>
<!-- END FLEX HERO IMAGE w/HEADLINE COPY-->

<!-- SWAP HERO IMAGE w/HEADLINE COPY -->
<table cellpadding="0" cellspacing="0" border="0" align="center" style="border-spacing:0; color:#3c3c3c; Margin:0 auto; width:100%; max-width:660px; background-color:#d4edf3;">
  <tr>
    <td style="padding-top:0; padding-bottom:0; padding-left:0; padding-right:0;">

        <!-- DESKTOP IMAGE -->
        <div class="m-hide"><a href="https://www.allianzlife.com" target="_blank" rilt="img_hero" border="0"> <img src="https://www.allianzlife.com/~/media/Images/Allianz/em/2023/etf356" width="660" style="width:100%; max-width:660px!important;" alt="" /></a></div>

        <!-- MOBILE IMAGE -->
        <div class="d-hide" style="display:none;"><a href="https://www.allianzlife.com" target="_blank" rilt="img_hero" border="0">
            <img src="https://www.allianzlife.com/~/media/Images/Allianz/em/2023/etf356_M" width="660" style="width:100%; max-width:660px!important;" alt="" /></a>
        </div>

    </td>
  </tr>
</table>

<!-- HEADLINE COPY-->
<table cellpadding="0" cellspacing="0" border="0" align="center" style="border-spacing:0; Margin:0 auto; width:100%; max-width:660px; background-color:#d4edf3;">
  <tr>
    <td style="padding-right:0; padding-left:0; text-align:center; font-size:0; padding-top:20px; padding-bottom:20px;">
      <!--[if (gte mso 9)|(IE)]>
      <table cellpadding="0" cellspacing="0" border="0" width="100%" style="border-spacing:0; color:#333333;">
      <tr>
      <td width="660" valign="top" style="padding-top:0; padding-bottom:0; padding-left:0; padding-right:0;">
      <![endif]-->
      <div style="width:100%; display:inline-block; vertical-align:top;">
        <table cellpadding="0" cellspacing="0" border="0" width="100%" style="border-spacing:0; color:#333333;">
          <tr>
            <td style="padding-top:10px; padding-bottom:10px; padding-right:10px; padding-left:10px; width:100%; font-size:16px; text-align:center;">
              <h1 style="font-weight:normal; font-size:30px; -mso-line-height-rule:exactly; line-height:normal; Margin-top:0; Margin-bottom:0; color:#3c3c3c;">H1 headline</h1>
              <h2 style="font-weight:normal; font-size:24px; -mso-line-height-rule:exactly; line-height:normal; Margin-top:0; Margin-bottom:0; color:#3c3c3c;">H2 headline</h2>
              <h3 style="font-weight:normal; font-size:20px; -mso-line-height-rule:exactly; line-height:normal; Margin-top:0; Margin-bottom:0; color:#3c3c3c;">H3 headline</h3>
            </td>
          </tr>
        </table>
      </div>
      <!--[if (gte mso 9)|(IE)]>
      </td>
      </tr>
      </table>
      <![endif]-->
    </td>
  </tr>
</table>
<!-- HEADLINE COPY-->
<!-- END SWAP HERO IMAGE w/HEADLINE COPY -->