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TERMS OF USE

Conditions Of Use

By using this web site, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this web site. If you do not agree with each term of use specified herein, you are not granted premission to use this web site and must exit this site immediately. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

Disclaimer

To the fullest extent permissible pursuant to applicable law, the materials on this web site are provided "As Is" and without warranties of any kind either expressed or implied and Anderson & Murison, Inc. and its subsidiaries and Affiliates (Collectively, A&M) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. A&M does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this web site or the server that makes it available are free of viruses or other harmful components. A&M does not warrant or make any representations regarding the use or the results of the use of the materials on this web site in terms of their correctness, accuracy, reliability, or otherwise. You (And Not A&M) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or contract or the relevant product or services agreement; provided, however, teh foregoing disclaimer does not apply to variable product policy or fund prospectuses and related reports.

This web site may be linked to other web sites which are not maintained by A&M. A&M is not responsible for teh content of those web sites. The inclusion of any link to such web sites does not imply approval of or endorsement by A&M of the web sites or the content thereof.

Limitation Of Liability

While A&M uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, A&M makes no warranties or representations as to the accuracy of the content of this Web site and under no circumstances, including, but not limited to, negligence, shall A&M or any party involved in creating, producing, or delivering this Web site be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Web site, even if A&M or an A&M authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, in no event shall A&M's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Web site.

A&M also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Web site or your downloading of any materials, data, text, images, video, or audio from this Web site.

Consent to Electronic Transactions, Signatures and Records.

If you have enrolled for the electronic delivery service, online customer self service, or another online service currently available on this Web site, you consent to the use of electronic transactions and electronic signatures on this Web site, and receipt of electronic versions of certain records. In addition, you agree to be bound by any consent or agreement you make or transmit through the internet or this Web site, including but not limited to any consent you give to receive records or communications from us solely through electronic transmission. You agree that, by using this site, your agreement or consent will be legally binding and enforceable and the legal equivalent of your handwritten signature.

You may withdraw your consent to the use of electronic transactions, signatures and records by contacting A&M in the manner specified on this Web site. The consequence of this decision will be that you will no longer be provided service by or allowed access to this section of the Web site and you must exit this section of the Web site immediately.

No Solicitation or Advice Unless otherwise expressly stated, the information appearing on this Web site is provided to you for informational purposes only and does not constitute an offer to sell or buy any product or service that may be referenced or described on this Web site. If an offer to sell or buy a product or service is expressly offered, the offering is specifically limited to the jurisdiction(s) in which the offeror has the authority to make the offer and be bound. Nothing in this Web site should be construed as rendering tax, legal, investment or accounting advice.

No Use of Site By Minors.

No "minor," as determined by the applicable jurisdiction's insurance or other laws, may use this Web site. We do not knowingly solicit business or gather information from minors and request that any minor have their parent or a responsible adult contact us. If you are a minor, please leave this site immediately.

Restrictions on Use of Materials

This Web site is owned and operated by A&M. Except as otherwise expressly permitted by A&M, no materials from this Web site or any Web site owned, operated, licensed or controlled by A&M may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Web site for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Web site for public or commercial purposes, including the text, images, audio, and video without A&M's written permission. A&M neither warrants nor represents that your use of materials displayed on this Web site will not infringe rights of third parties.

Jurisdictional Issues

Unless otherwise expressly set forth herein, A&M makes no representation that materials on this Web site are appropriate or available for use in any location. Those who choose to access this Web site do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this Web site is not an offer to sell any security, insurance product or other product or service by A&M. No security, insurance product or other product or service is offered or will be sold by A&M or, if sold by A&M, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

Ownership of Information

Any information, other than personal data or information (including e-mail addresses), you transmit to A&M via this Web site, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of A&M. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. A&M is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to A&M via this Web site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Trademarks and Copyrights

All trademarks, service marks, trade names, logos, and icons are proprietary to A&M or used with permission obtained by A&M. Nothing contained on the Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Web site without the written permission of A&M and/or the owner of the mark, logo or icon. Your use of the trademarks displayed on this Web site, or any other content on this Web site, except as provided herein, is strictly prohibited.

Images displayed on this Web site are either the property of, or used with permission by, A&M. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by A&M and/or the owner. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Software Licenses

United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. A&M does not authorize the downloading or exportation of any software or technical data from this Web site to any jurisdiction prohibited by such export controls laws and regulations.