AMERICAN NATIONAL INSURANCE CO Contracts & Agreements

Agreement and Plan of Merger, dated February 11, 2020 among American National Insurance Company, American National Group, Inc., and AN MergerCo, Inc (Filed With SEC on July 2, 2020)

Form of Restricted Stock Unit Agreement for Directors under the Stock and Incentive Plan (Filed With SEC on February 28, 2020)

Agreement and Plan of Merger dated as of February 11, 2020 by and among American National Insurance Company, American National Group, Inc., and AN MergerCo, Inc (Filed With SEC on February 12, 2020)

Amendments Three and Four to the American National Family of Companies Executive Supplemental Savings Plan (Filed With SEC on August 6, 2019)

Form of Restricted Stock Unit Agreement for Directors under the Stock and Incentive Plan (Filed With SEC on February 28, 2019)

AMENDMENT NUMBER TWO TO THE AMERICAN NATIONAL FAMILY OF COMPANIES EXECUTIVE SUPPLEMENTAL SAVINGS PLAN (Filed With SEC on May 8, 2015)

RESTRICTED STOCK UNIT AGREEMENT (Filed With SEC on May 8, 2015)

AMENDMENT NUMBER 5 AMERICAN NATIONAL INSURANCE COMPANY NON-QUALIFIED RETIREMENT PLAN (Effective July 25, 1991) (Filed With SEC on November 6, 2013)

AMENDMENT OF THE AMERICAN NATIONAL INSURANCE COMPANY NONQUALIFIED RETIREMENT PLAN FOR CERTAIN SALARIED EMPLOYEES (Restated Effective December 31, 2007) (Filed With SEC on November 6, 2013)

AMERICAN NATIONAL INSURANCE COMPANY EXECUTIVE SUPPLEMENTAL SAVINGS PLAN TABLE OF CONTENTS (Filed With SEC on November 6, 2013)

RESTRICTED STOCK AGREEMENT (Filed With SEC on May 7, 2013)

RESTRICTED STOCK UNIT AGREEMENT (Filed With SEC on May 7, 2013)

FINANCIAL STATEMENTS (Filed With SEC on May 6, 2011)

international economic and financial factors, including the performance and fluctuations of fixed income, equity, real estate, credit capital and other financial markets (Filed With SEC on March 2, 2011)