Legal Information and Terms of Use

This Legal Information and Terms of Use governs your access and use of the web sites of Ameritas Investment Corp. (AIC).

Your Acceptance of Terms
By linking, referencing, using or accessing web sites of AIC, you agree to these Terms of Use, including agreeing to indemnify and hold harmless AIC from all claims of any nature. These Terms of Use may be changed at any time at the sole discretion of AIC.

Product Issuers and Distributors
AIC is an affiliate of a diversified group of affiliated companies providing a variety of products and services. Life insurance and annuities are issued by Ameritas Life Insurance Corp. (ALIC) and Acacia Life Insurance Company (Acacia) in most states, except New York. Union Central Life Insurance Company issues life insurance and annuities in all states, including New York.  All ALIC and Acacia products that are offered in New York are issued by First Ameritas Life Insurance Corp. of New York (FALIC). Insurance securities are underwritten by Ameritas Investment Corp. (AIC). Investment products are available through AIC. Calvert mutual funds are underwritten and distributed by Calvert Distributors Inc., member NASD, a subsidiary of Calvert Group, Ltd. Summit Mutual Funds are underwritten and distributed by Quasar Distributors, LLC. Investment advisory services are available through Ameritas Investment Advisors, Inc., AIC, Summit Investment Partners, LLC and Summit Investment Partners, Inc. Banking products are available from Acacia Federal Savings Bank.

Privacy
All personal information is subject to the Privacy Policies of AIC. The Privacy Notices summarizing the policies may be accessed by clicking on the Privacy Policy link at the top of any page.

No Legal or Investment Advice; Calculators/calculations
Content of the web sites of AIC should not be construed to be legal or investment advice. Users are responsible for obtaining their own competent legal and investment advice from qualified professionals at their own expense. Financial calculators/calculations which may be provided within this web site is provided solely for you to estimate hypothetical future financial. You are responsible for the accuracy of any estimates and should not rely solely on these calculators. Seek advice from qualified providers before you make any investment or retirement decisions.

Products and Services Information
Products and services are offered through affiliated companies. Not all products and services described are available in all states of the USA, or elsewhere in the world. Mutual funds and other securities products sold through the UNIFI Companies distributions are distributed through Ameritas Investment Corp., member NASD/SIPC. The Calvert, Ltd. and Summit Mutual Funds, Inc. provide mutual funds. Bank products and services provided by Acacia Federal Savings Bank, FDIC insured. Annuities, Insurance, Retirement Plans, Mutual Funds and Other Securities are not insured by the FDIC, are not obligations or deposits for Acacia Federal Savings Bank, are not guaranteed by Acacia Federal Savings Bank, and involve risk, including the possible loss of principal invested. The product information contained on this Web site has been prepared for informational purposes only and is not intended to constitute a solicitation or offer for sale. For further information, please contact the affiliate offering the product, or your agent or representative through whom the product may be purchased, for detailed information about the product’s benefits, costs, risks and suitability for your specific needs.

Links to Other Web Sites - Limitation of Liability
AIC may provide, for your convenience and information only, links to other Internet Web sites. Because AIC does not have control over these sites, you agree that AIC is not responsible for any liability resulting from the access or use of sites not owned by AIC and that AIC is not responsible for any content, advertising, product, or any other matter or issue, available through other Internet Web sites, whether linked to, or from, web sites of AIC. Further, you agree that AIC shall not be responsible or liable, directly or indirectly, for any damage or loss caused, or alleged to be caused by or in connection with the use of web sites AIC owns.

Indemnification
By linking, referencing, using or accessing web sites of affiliated companies, you agree to these Terms of Use, including agreeing to defend, indemnify and hold harmless AIC, their officers, directors, employees, agents, licensors, suppliers and any other third party, without limitation, against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these "Terms of Use."

This Web Site - Disclaimer of Warranty and Limitation of Liability
USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. THE SITE AND MATERIALS ARE PROVIDED "AS IS." TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE UNIFI COMPANIES DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, EVEN IF THE UNIFI COMPANIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. UNDER NO CIRCUMSTANCES SHALL THE UNIFI COMPANIES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR YOUR REFERENCING, USING, ACCESSING, INABILITY TO USE OR ACCESS OR LINKING TO OR FROM THE WEB SITES OF THE UNIFI COMPANIES OR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF. Some jurisdictions may not allow the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. If so, the liability of the UNIFI Companies is limited to the greatest extent permitted by law.

Phishing Disclosure
Ameritas Investment Corp. takes Internet and email security very seriously. Users of our aicinvest.com site or any other Ameritas affiliate site should be aware that Spoof, phishing or hoax e-mails that might appear to be from Ameritas could put you at risk. The following information is provided to help you to spot this type of malicious email:
·These emails will generally ask you to click a link back to a spoof web site and provide, update or confirm sensitive personal information.
·They may allude to an urgent or threatening condition concerning your account.
·They may be after a password/pin, credit card validation code (CCV), ATM, Debit, or Credit Card numbers, social security number or bank account number.
The Company will never ask for this type of information in an email. If you receive a suspect email message that appears to be from us, even if you don't provide information, simply clicking the link could allow someone to access your computer and begin logging key strokes or open your computer to viruses.

Copyright and Proprietary Rights in Marks, Logos and Materials
Copyright 2006, Ameritas Investment Corp. Materials and intellectual property found on web sites of AIC are protected by copyright and other intellectual property laws and treaties in the United States and worldwide. Trademarks, service marks and logos used on web sites of AIC are registered and unregistered trademarks, subject to the laws of the United States and other countries worldwide. Trademarks, service marks and logos used on these web sites that have been provided by others are the property of their respective owners. You may not copy, modify, store, transmit, reproduce, or distribute any part of the information or content of or trademarks, service marks or logos used on these web sites without the specific written consent of AIC or their respective owners. If you would like to link to any website of AIC or use its logos on your site, please contact us.

Proprietary Marks and Logos
The entire content of this website, including all text, graphics, images, photos, video, audio, logos, other material and the arrangement of such content, is owned by AIC or their affiliates and subsidiaries and is protected by copyright under United States and foreign laws, unless otherwise indicated. Ameritas and the bison symbol, Ameritas Investment Advisors, Inc., Ameritas Investment Corp., First Ameritas Life Insurance Corp. of New York, Pathmark Administrators, Inc., Bankers Life Nebraska, Be The Best, OVERTURE, and The Investment Life Company are service marks or registered service marks of Ameritas Life Insurance Corp. Veritas is a registered service mark of Veritas Corp., a wholly owned subsidiary of Ameritas Life Insurance Corp. AMAL Corporation is a joint venture of Ameritas Life Insurance Corp., AmerUs Life Insurance Company, Acacia Life Insurance Company and Acacia Financial Corp.. AmerUs is a registered service mark of AmerUs Life Insurance Company. Acacia and the griffin symbol, Acacia Life Insurance Company, Acacia Financial Corp., Acacia Realty Corp., Acacia Realty Square, LLC, and Enterprise Resources, LLC are registered service marks of Acacia Life Insurance Company. Calvert is a registered service mark of Calvert, Ltd., a wholly owned subsidiary of Acacia Life Insurance Company. Acacia Federal Savings Bank is a registered service mark of Acacia Federal Savings Bank, a wholly owned subsidiary of Acacia Life Insurance Company. Union Central, Union Central Insurance and Investments (including line design) and Customized Financial Solutions – Person by Person are trademarks or service marks of Union Central. Other products and services described on this website are the marks of the UNIFI Companies unless otherwise indicated.

How to Contact Us
Address inquiries concerning the use of any copyrighted material, trademarks, service marks, or other intellectual property to Ameritas Investment Corp., Compliance Department, 5900 O Street, Lincoln, NE 68510 USA.

Ameritas Life Insurance Corp.
NAIC #943-61301
Licensed in all States except New York

First Ameritas Life Insurance Corp. of New York
NAIC #943-60033
Licensed in the State of New York

Acacia Life Insurance Company
NAIC #437-60038
Licensed in all States except Alaska, Maine, and New York

Union Central Life Insurance Company
NAIC #394-80837
Licensed in all States