National Retirement Services, Inc., its subsidiaries and affiliates ("NRS"), provides the information and services on its World Wide Web site(s) (the "Site") under the following terms and conditions. By accessing and/or using the Site, you indicate your acceptance of these terms and conditions.

Laws and Regulations

Access to and use of this Site is subject to all applicable international, federal, state and local laws and regulations. User agrees not to use the Site in any way which violates such laws or regulations.

Copyright and Trademarks

The information available on or through this Site is the property of NRS, or its licensors, and is protected by copyright, trademark, and other intellectual property laws. Users may not modify, copy, distribute, transmit, display, publish, sell, license, create derivative works or otherwise use any information available on or through this Site for commercial or public purposes. Users may not use the trademarks, logos and service marks ("Marks") for any purpose including, but not limited to use as "hot links" or metatags in other pages or sites on the World Wide Web without the written permission of NRS or such third party that may own the Mark.

Tampering

User agrees not to modify, move, add to, delete or otherwise tamper with the information contained in NRS' Web site. User also agrees not to decompile, reverse engineer, disassemble or unlawfully use or reduce any of the software, copyrighted or trademarked material, trade secrets, or other proprietary information contained in the Site.

Third Party Information

Although NRS monitors the information on the Site, some of the information is supplied by independent third parties. While NRS makes every effort to ensure the accuracy of all information on the Site, NRS makes no warranty as to the accuracy of any such information.

Links to Third Party Sites

This Site may contain links that will let you access other Web sites that are not under the control of NRS. The links are only provided as a convenience and NRS does not endorse any of these sites. NRS assumes no responsibility or liability for any material that may accessed on other Web sites reached through this Site, nor does NRS make any representation regarding the quality of any product or service contained at any such site.

Links from Third Party Sites

NRS prohibits unauthorized links to the Site and the framing of any information contained on the site or any portion of the Site. NRS reserves the right to disable any unauthorized links or frames. NRS has no responsibility or liability for any material on other Web sites that may contain links to this Site.

No Warranties

Information and documents provided on this Site are provided "as is" without warranty of any kind, either express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, and non-infringement. NRS uses reasonable efforts to include accurate and up-to-date information on this Site; it does not, however, make any warranties or representations as to its accuracy or completeness. NRS periodically adds, changes, improves, or updates the information and documents on this Site without notice. NRS assumes no liability or responsibility for any errors or omissions in the content of this Site. Your use of this Site is at your own risk.

Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL NRS BE LIABLE FOR ANY DAMAGES SUFFERED BY YOU, INCLUDING ANY INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM ACCESS TO OR USE OF THIS SITE, EVEN IF NRS WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Access to Password Protected/Secure Areas

Access to and use of password protected and/or secure area of the Site is restricted to authorized users only. Unauthorized access to such areas is prohibited and may lead to criminal prosecution.

Jurisdiction/Governing Law

These terms and conditions shall be governed and construed in accordance with the laws of the State of California, USA, and applicable federal laws without regard to conflicts of law principles. User agrees that any and all proceedings relating to this site and the subject matter contained herein shall be maintained in the courts of the state of California or the federal district courts sitting in California, which courts shall have exclusive jurisdiction for such purpose.