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Legal Notices

Effective Date: 03/15/2013

Legal Notices Table Of Contents:

Proprietary Rights and Restricted Use

Our Internet website presents information and content that is our property. When used in these Terms and Conditions, the words "we," "us," and "our" mean Renaissance Benefit Advisors, Inc., and/or its affiliated companies. All of the information and content on this website including, but not limited to, all text, graphics, software applications, videos, audio files, and photos ("Content") is our property, or the property of our suppliers, and is protected by copyright under both United States and foreign laws, unless otherwise indicated. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark and other proprietary notices. The use of the Content on any other website or in a networked computer environment for any purpose, or any other republication or redistribution of the Content, including, without limitation, framing the Content within another website, is expressly prohibited without our prior written permission. All information, other than personal information subject to our Privacy Policy, submitted to us through this website or any related website is our property. We shall be free to use any ideas, concepts, know-how or techniques that you may submit to us through this website for any purpose, including, but not limited to, improving our services. We shall not be subject to any obligations of confidentiality regarding any submitted information except, as specified in our Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed to or required by law.

Liability

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DAMAGES, INJURY, OR LOSS, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS WEBSITE (OR ANY OTHER LINKED WEBSITE). WE SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF ANY DAMAGES ON OUR BEHALF. THESE DAMAGES MAY INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, LINE FAILURE, COMPUTER VIRUS, OR OTHER HARMFUL COMPONENTS. BY USING THIS WEBSITE, YOU AGREE NOT TO HOLD US LIABLE, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF, OR IN CONNECTION WITH, THE USE OR PERFORMANCE OF INFORMATION AVAILABLE ON THIS WEBSITE (OR ANY OTHER LINKED WEBSITE). Some jurisdictions do not allow for such limitations of liability on consequential or incidental damages. In these jurisdictions, our liability is limited to the greatest extent permitted by law. These limitations on our liability may differ for each product or service listed on our website.

Warranty

ANY MATERIALS MADE AVAILABLE THROUGH THIS WEBSITE ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, AND ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE, PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE USE, OF THE CONTENT ON THIS WEBSITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WE UNDERTAKE NO OBLIGATION TO MAINTAIN THE CURRENCY OF INFORMATION ON THIS WEBSITE. YOU (AND NOT US) ASSUME THE ENTIRE COST OF ALL SERVICING, REPAIR, OR CORRECTION THAT MAY BE NECESSARY FOR YOUR COMPUTER EQUIPMENT AND SOFTWARE AS A RESULT OF ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF VISITING THIS WEBSITE. We will make every reasonable effort to include accurate and up-to-date content on this website, but we are not responsible for the results of any defects that may exist on this website or within its operation. The content on this website may contain technical inaccuracies or typographical errors. Thus, content on this website could become inaccurate as a result of developments occurring after the date that content was added to the website or by errors made by users with administrative access. To the extent that the law does not permit the disclaimer of warranties, all content accessible on this website or any other website to which we link, as well as all operations on this website, are warranted only to the minimum amount required by law.

Investment Decisions

THE INFORMATION PROVIDED ON THIS WEBSITE IS PROVIDED TO YOU FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE AN OFFER TO SELL, OR A SOLICITATION OF AN OFFER TO BUY, ANY PRODUCT THAT MAY BE REFERENCED ON THE WEBSITE. As with all financial matters, you should exercise great care in using the information provided on this website or available through links from this website. You should research the facts and opinions contained in this information, including speaking to your financial advisor, before making any financial decisions. The information about your account on this website is not the official record of your account. Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information on this website should not be interpreted as a recommendation or opinion that you should make any purchase or sale, or participate in any transaction.

Intellectual Property Rights

NFP Executive Benefits is a service mark of National Financial Partners. Other proprietary marks of National Financial Partners may be designated as such from time to time on this website through use of the SM or ® symbols. Except when included in any authorized printouts of the Content, you are not authorized to make any other use of our marks, including, but not limited to, using our marks as metatags or in any other fashion which may create a false or misleading impression of affiliation or sponsorship with us.

E-Mail

Certain portions of this website may offer you the ability to email a message to our service center. E-mail functionality, if any, is provided to you to facilitate communication between you and our service center. BY USING THIS WEBSITE, YOU AGREE THAT YOU WILL NOT USE E-MAIL TO REQUEST, AUTHORIZE, OR EFFECT A PURCHASE OR SALE, TO CHANGE YOUR USER CODES, TO TRANSMIT PERSONAL CREDIT INFORMATION (INCLUDING CREDIT CARD NUMBERS), TO SEND FUND TRANSFER INSTRUCTIONS, OR TO MAKE ANY OTHER FINANCIAL TRANSACTIONS THAT REQUIRE FORMAL AUTHORIZATION IN ACCORDANCE WITH APPLICABLE LAW OR OUR POLICIES AND PROCEDURES. Any such requests, orders, or instructions that you send to our service center by e-mail will not be accepted or processed. WE ARE NOT LIABLE FOR ANY LOSS OR DAMAGE THAT ARISES EITHER FROM UNACCEPTED E-MAIL REQUESTS, ORDERS OF INSTRUCTIONS, INTERCEPTION, AND/OR UNAUTHORIZED USE BY THIRD PARTIES OF ANY INFORMATION YOU SEND US BY E-MAIL.

Third Parties

From time to time, as a convenience for you, we may provide links to third party websites, or permit third parties to link to our website. LINKS TO OR FROM A THIRD PARTY WEBSITE, WHETHER PROVIDED BY US OR NOT, DO NOT IMPLY ANY AFFILIATION BETWEEN US AND THE OWNER OF THE THIRD PARTY WEBSITE OR AN ENDORSEMENT, APPROVAL, OR VERIFICATION BY US OF ANY CONTENT AVAILABLE ON ANY SUCH WEBSITE. WE ARE NOT RESPONSIBLE OR LIABLE FOR THE ACCURACY OR COMPLETENESS OF THE CONTENT OF ANY THIRD PARTY WEBSITE ASSOCIATED WITH THIS WEBSITE. By providing access to other websites, we are not recommending the purchase or sale of products or services provided by the sponsoring organization of any linked website. We do not review any of third party websites linked to this website. However, subject to the terms of applicable service or other agreements, we will remove any link from this website upon request from the owner of the linked website.

Additional Terms

ADDITIONAL TERMS AND CONDITIONS MAY BE USED IN CONNECTION WITH DIFFERENT PRODUCTS OR SERVICES AVAILABLE ON THIS WEBSITE. IN THE EVENT OF ANY CONFLICT BETWEEN THE TERMS AND CONDITIONS ON THIS WEBSITE AND SUCH ADDITIONAL TERMS AND CONDITIONS, THE ADDITIONAL TERMS AND CONDITIONS SHALL GOVERN AND CONTROL. You are encouraged to review all of the terms and conditions relating to our products or services so that you fully understand their features. The additional terms and conditions are very important to providing you with a thorough understanding of the related products and services. If applicable, these additional or different terms and conditions may be available on the web pages associated with the appropriate products or services, or by a Plan Sponsor.

Additional Information

THESE TERMS AND CONDITIONS SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE FEDERAL LAWS OF THE UNITED STATES AND THE STATE LAWS OF THE COMMONWEALTH OF PENNSYLVANIA, WITHOUT GIVING EFFECT TO CONFLICT OF LAW PRINCIPLES THEREOF. The services and products described on, and information provided through, this website are directed towards, and are intended to be made available to, persons in the United States. PERSONS WHO ACCESS THIS WEBSITE DO SO ON THEIR OWN INITIATIVE AND ARE RESPONSIBLE FOR COMPLYING WITH APPLICABLE LAWS AND REGULATIONS. Not all of the products or services described on this website may be available in all geographic areas. You may not be eligible for all of the described products or services and we reserve the right to determine the eligibility of any user for any product or service. The pages relating to each product or service may provide additional information on the availability of each product or service and may contain terms governing eligibility.

Changes Made to Our Website

THE CONTENT ON THIS WEBSITE, AND THESE TERMS AND CONDITIONS, ARE SUBJECT TO CHANGES OR UPDATES AT ANY TIME AND WITHOUT PRIOR NOTICE. The changes may include superseding terms and conditions or specific notices. ANY CHANGE OR UPDATE OF INFORMATION MADE ON THIS WEBSITE SHALL BE CONSIDERED CONTROLLING OVER ALL PRIOR INFORMATION ON THE WEBSITE. You should review these terms and conditions regularly to be aware of any changes that are made. Your continuing use of this website constitutes your acceptance of any change or update.

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