Transamerica Life Insurance Company, Transamerica Financial Life Insurance Co., Western Reserve Life Assurance Co. of Ohio, Monumental Life Insurance Company, Stonebridge Life Insurance Co., members of the AEGON Insurance Group, and their affiliates (the "Company" or "Companies"), provide this site and related subject to your compliance with the terms and conditions set forth below. Please read the following information carefully:

1. Copyright Information
All pages within this Internet site ("Site") are the property of Transamerica Life Insurance Company, Transamerica Financial Life Insurance Co., Western Reserve Life Assurance Co. of Ohio, Monumental Life Insurance Company, Stonebridge Life Insurance Co., and/or their affiliates. No portion of the materials on these pages may be reprinted or republished in any form without the express written permission of the Companies.

2. Trademark Notice.
"Transamerica Life", "Transamerica Financial Life", "Monumental Life®", "WRL", "Stonebridge Life", "AEGON" and "AEGON companies" logo are trademarks and service marks of the Companies, and their affiliates. All other trademarks, service marks and logos used in this Site are the trademarks, service marks or logos of their respective owners.

3. Links to Other Sites.
Links to websites that are not controlled or maintained by the Companies may be provided in this website. Should the user leave this site via a link contained herein, and view content that is not provided by the Company, the user does so at its own risk. Such links are provided solely as pointers to information that may be useful to users of this website. The Company has no control over the content or any such linked websites. The Company makes no warranties, either express or implied, concerning the content of any such linked website including, without limitation, the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does the Company warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is free from defects, viruses or other destructive or disabling devices. A link to a website not maintained or controlled by the Company does not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such linked websites.

4. Warranty Disclaimer.
This site, including any content or information contained within it or any Site-related service, is provided "as is" with no representations or warranties of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. You assume total responsibility and risk for your use of this Site and Site-related services.

The Companies, and their affiliates and sponsors are neither responsible nor liable for any direct, indirect, incidental, consequential special, punitive, exemplary or other damages arising out of or relating in any way to the Site, Site-related services and/or content or information contained within the Site. Your sole remedy for dissatisfaction with the Site and/or Site-related services is to stop using the Site and/or those services.

Although the Companies attempt to ensure the integrity and accuracy of the Site, they make no guarantees whatsoever as to the correctness or accuracy of the Site. It is possible that the Site could include inaccuracies or errors, and that unauthorized additions, deletions and alterations could be made to the Site by third parties. In the event that an inaccuracy arises, please inform the Companies so that it can be corrected.

5. Miscellaneous.
This Agreement is entered into in the State of Iowa and shall be governed by and construed in accordance with the laws of the State of Iowa, exclusive of its choice of law rules. Each party to this Agreement submits to the exclusive jurisdiction of the state and federal courts sitting in the County of Linn in the State of Iowa, and waives any jurisdictional, venue, or inconvenient forum objections to such courts. IN any action to enforce this Agreement, the prevailing party will be entitled to costs and attorneys fees. In the event that any of the provisions of this Agreement are held by a court or other tribunal of competent jurisdiction to be unenforceable, such provisions shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect.

This Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto are expressly canceled. The Companies may modify the terms of this Agreement by posting notice of such modification on a page of the Site entitled "Legal Notices" or "Legal Information " (or similar title) before the modification takes place.