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Disclosure Relating to Electronic Services - Online Services Agreement.

Prior to using Banner Life family of companies Online Services, you must affirmatively consent to the Terms and Conditions of our Online Services Agreement ("Agreement"). The Online Services permit you to electronically initiate account transactions and communicate with Banner Life family of companies and its affiliates (the "Company")¹. This Agreement contains the Terms and Conditions that govern your use of Online Services. You agree to the Terms and Conditions of this Agreement by checking the I agree to the terms and conditions checkbox at the end of this Agreement.

TERMS AND CONDITIONS

This website presents information and content that is owned or licensed by Banner Life family of companies, Inc., its parents, subsidiaries and affiliates ("Banner Life family of companies"). When used in these Terms and Conditions, "we" and "our" mean Banner Life family of companies and "you" and "your" refers to any individual, company, or legal entity that accesses or otherwise uses this website.

These Terms and Conditions apply to your use of this website. By visiting or using this website, or by agreeing to the Online Services Agreement, you accept these terms. Continued use of this site constitutes your acceptance of any revisions to these website Terms and Conditions or the Terms and Conditions of the Agreement. If you do not agree with these Terms and Conditions, you should immediately cease use of this website and Content.

Additional Terms: Banner Life family of companies offers products and services available through portions of this website and other Banner Life family of companies websites. These terms and conditions apply only to your use of this website and content, and they do not apply to your use of any products or services otherwise offered by Banner Life family of companies. We may have established or will establish additional or different terms and conditions for certain products and services. You agree to review all applicable terms and conditions relating to Banner Life family of companies products and services. 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 govern and control. Further, if you have a policy or account with LGA, your customer relationship is also governed by other agreements, such as your policy or account agreement ("Product Agreement"), as applicable. In the event of any conflict between the terms and conditions on this website and such Product Agreements, your Product Agreements govern and control.

Not Tax/Legal/Financial Advice: The content on this website is for convenience and information purposes only. You should consult your financial and legal advisors, and independently verify all content provided through this website before you make decisions. Nothing on this website constitutes an offer to sell or buy any product. Account information available 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 information on this website is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

Banner Life family of companies Ownership: All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress is owned or licensed by Banner Life family of companies. The content is protected worldwide by applicable intellectual property laws.

Banner Life family of companies Copyright: This entire website is the copyrighted work of Banner Life family of companies. Unless otherwise specified, no person has permission to copy, display, distribute, republish, or create derivative works from such information in any form.

Trademarks: By providing content, we do not allow you to use trademarks referenced in this website. You may not use any meta tags or any other 'hidden text' using Banner Life family of companies name or trademarks without the express written consent of Banner Life family of companies. The trademarks, logos, and service marks ('Marks') displayed on the website are the property of Banner Life family of companies or other parties. Users are prohibited from using any Marks without the written permission of LGA or the third party that owns the Marks.

Copyright Infringement Claims: It is our policy to respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act. If you believe that any material contained on this Site may infringe on your copyright, notice must be given in writing of the following: (a) identification of the copyrighted work claimed to have been infringed; (b) identification of the allegedly infringing material; (c) information sufficient to permit Banner Life family of companies to locate the infringing material; (d) a statement that the complaining party has a good faith belief that use of the material is not authorized or permissible by law; and (e) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the copyright owner, agent, or licensee. Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by Banner Life family of companies. Written notice must be sent to: Banner Life family of companies, Inc., General Counsel, 3275 Bennett Creek Avenue, Frederick, MD 21704.

Unsolicited Submissions: Banner Life family of companies does not accept or consider unsolicited ideas, proposals or suggestions (collectively, "Ideas"), or materials concerning the Idea ("Materials") including without limitation Ideas for new or improved products, processes or technologies, product enhancements, advertising and marketing campaigns, promotions or new product names. Any submission to this website and electronic mail delivered to Banner Life family of companies will be considered non-confidential and non-proprietary, and will become the exclusive property of Banner Life family of companies. Banner Life family of companies can use the Ideas and Materials for any purpose, in any way, and without attribution or compensation.

Publication: By posting a comment on this website, or on Banner Life family of companies-sponsored message boards, discussion forums, or other interactive content on third-party sites, you agree that Banner Life family of companies may publish your comment in whole, or in part. Banner Life family of companies does not agree to post all comments received. Banner Life family of companies reserves the right to remove or modify any posting that is false, offensive, violates any law or the rights of third parties, violates these Terms and Conditions, or is defamatory or duplicative. LGA disclaims all liability and responsibility for the content of any posting.

Governing Law: Use of this website and the Agreement shall be governed by and construed in accordance with the laws of the State of Maryland without giving effect to any principles of conflicts of laws, unless otherwise specified in an applicable Product Agreement. The Uniform Computer Information Transactions Act or any substantially similar law, if enacted, will not govern any aspect of these Terms and Conditions, your access to this website or the Agreement.

Jurisdiction and Venue: If any claim or dispute under these Terms and Conditions or the Agreement arises, then the exclusive jurisdiction and venue shall be with a court of competent jurisdiction in Frederick County, Maryland. You consent to the jurisdiction of such courts and agree to accept service of process issued by such courts.

Severability: If any provision of these Terms and Conditions or the Agreement is unlawful, void or unenforceable, the remaining provisions shall remain valid and in effect to the fullest extent possible.

Waivers: Any waiver of any provision of these Terms and Conditions or the Agreement will be effective only if in writing and signed by an authorized representative of Banner Life family of companies. Any delay or omission by Banner Life family of companies to exercise any rights under these Terms and Conditions or the Agreement shall not be construed to waive any rights.

Section Headings: The section titles and the section headings are not part of the Agreement and are not to be used in interpreting the terms of the Agreement.

Conflicts: In the event of a conflict between these Terms and Conditions or the Agreement and your Product Agreement, the Product Agreement shall control.

Changes: Banner Life family of companies reserves the right to change the content on this website and these Terms and Conditions from time to time at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.

Termination and Survival: Banner Life family of companies reserves the right in its sole discretion to terminate or restrict your use of all or any part of the website, without notice, for any or no reason, and without liability to you or anyone else. Certain provisions of this Agreement by their nature shall continue in full force and effect after termination, including authorizations you have granted, the Disclaimer of Warranties and Limitation of Liability, and Jurisdiction/Enforceability.

Availability: Not all of the products or services described on this website are available in all areas of the United States and you may not be eligible for them. We reserve the right to determine eligibility.

United States Only: Banner Life family of companies products and services are available only in those jurisdictions where Banner Life family of companies is authorized or permitted by local law to promote or sell them. The services and products described and information provided through this website are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject Banner Life family of companies to any registration requirement within such jurisdiction or country. Persons who access this website do so on their own initiative, and are responsible for compliance with applicable local laws and regulations. Software and other materials from this website may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law. Banner Life family of companies prohibits your downloading or exporting of software or other material from this website in violation of U.S. Export Laws and the laws of your resident country. By downloading software or other material from this website, you represent and warrant that you are able to do so in full compliance with the laws of the United States and your resident country.

PATRIOT Act: Federal law requires Banner Life family of companies to obtain, and in certain other circumstances, verify and record your name, address, date of birth and other information that will allow us to identify you when you open an account and in certain other circumstances.

WARRANTY DISCLAIMER: We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations as to the accuracy or timeliness of the content. Your use of this website and content is at your own risk. Content may become inaccurate as a result of developments after its publication on this website. Banner Life family of companies assumes no responsibility to keep content current or to correct inaccuracies or errors in content. The content on this website and the operation of it are provided "as is" and for informational purposes only, and Banner Life family of companies disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.

LIMITATION OF LIABILITY: In no event shall Banner Life family of companies or any other party involved in creating, producing, or delivering this website or content on Banner Life family of companies behalf be liable for any direct, incidental, special, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, or inability to access or use, this website or any content, or the performance of any product on this website.

Your Responsibility for Security: Banner Life family of companies does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. Banner Life family of companies assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of content. If you download or copy content from this website, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing current virus protection software.

Third-Party Websites: This website may contain links to other Internet sites that are not maintained by Banner Life family of companies. Unless otherwise stated, Banner Life family of companies makes no warranties or representations regarding any third-party websites or the products or services offered on them. Banner Life family of companies does not control the privacy or security practices of third-parties, or the locations where they process data. You should read the privacy and security policies of the other sites, as their practices may differ from ours. Links from this site to third-party sites are provided for the user's convenience only. Banner Life family of companies does not control or review these third-party sites nor does the provision of a link imply any endorsement of or association with such non-LGA sites. Your linking to any websites from this website is at your own risk. 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. Please contact our webmaster to submit such a request.

Additional Information: All information, other than personal information subject to Banner Life family of companies Privacy Policy, submitted to Banner Life family of companies through this website or any related Banner Life family of companies website is the property of Banner Life family of companies. Banner Life family of companies is free to use any ideas, concepts, know-how, or techniques that you may submit to Banner Life family of companies through this website for any purpose, including, but not limited to, improving our services. We are not subject to any obligations of confidentiality regarding any submitted information except as specified in LGA's Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Children: This website does not intend to market any Banner Life family of companies products or services to children under thirteen (13) years of age. Banner Life family of companies does not knowingly gather or solicit data from children under thirteen (13) years of age through this website for marketing purposes. By using this website you represent that you are not under thirteen (13) years of age.

FRAUD WARNING and False Information: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

You may not intentionally provide any false information when you register for this Site, apply for products or services from Banner Life family of companies, post comments on this Site or on Banner Life family of companies-sponsored web pages, or complete your registration or profile.

Prior Consent: Prior to consenting to this Agreement you must be informed of:
(a) the option to receive a paper or non-electronic form of the record and the transactions or category of records that may be provided;
(b) your right as a consumer to withdraw this consent along with any of the conditions, consequences or fees in the event of such a withdrawal request and the procedures necessary to withdraw;
(c) the procedure for requesting a paper copy of an electronic record (and any fees associated with such request);
(d) hardware and software requirements for access to and retention of electronic records; and
(e) your responsibility to provide proof of your ability to access the information and electronically consent to all of these.

Receiving a Paper Copy: You have the right to receive a paper copy of Banner Life family of companies Online Service Agreement and any communication or transaction conducted under this Agreement. You may request a paper copy of this Agreement at no charge in one of the following ways: send an electronic mail message ("E-mail") with your name and e-mail address to customer service at Customerservice@bannerlife.com, call us at 1-800-638-8428, or write to us at Banner Life family of companies, 3275 Bennett Creek Avenue, Frederick, MD 21704 with your name and mailing address. Be sure to state that you are requesting a copy of Banner Life family of companies Online Service Agreement.

Withdrawing Your Consent to Receive Notices Electronically: You can contact us in any of the ways described in the preceding paragraph to withdraw your consent to receive any Banner Life family of companies electronic notice or to conduct transactions electronically. If you withdraw your consent, we may terminate your Online Service access. You will not be charged a fee for withdrawal of your consent. A consumer's withdrawal of consent shall be effective within a reasonable period of time after receipt by the Company. Your consent shall remain in force until withdrawn in the manner provided in this section. Failure, on the part of the Company, to provide adequate notice of changes in hardware and/or software specifications can be treated as a withdrawal of consent by the consumer without the imposition of fees.

Hardware and Software Requirements: We currently support access to the site using the operating systems and browsers outlined below. You will also need internet access and a compatible web browser that supports HTML 5, JavaScript, TLS, and 128bit encryption.

For access from a desktop or personal computer:

An operating system, such as:

Windows 7 or higher
Macintosh OS X 10.6 or higher

A modern web browser, such as:

Windows 7 and higher

Microsoft Internet Explorer 10 and higher
Firefox 38 and higher
Chrome 28 and higher

Macintosh using OS X 10.6 and higher

Safari 6 and higher
Firefox 38 and higher
Chrome 28 and higher

For online access from a mobile device (tablets and smartphones):

A mobile device with a compatible operating system, such as:

iOS 7.0 and higher
Android OS 5.0 and higher

A mobile web browser, such as:

Firefox 38 and higher
Chrome 28 and higher
Safari 6 and higher (iOS only)
The default browser included with your mobile device

For viewing PDFs: Most Communications provided within Online Services are provided either in HTML and/or PDF format. For Communications provided in PDF format, a browser that supports viewing PDFs or Adobe Acrobat Reader 11.0 or later is required - A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at https://get.adobe.com/reader/.

Change in Hardware and/or Software Specifications: We will give you notice of any change of the previously disclosed specifications and/or requirements if the proposed change will adversely affect your ability to access and retain subsequent electronic notices from us.

Obtaining Copies of Electronic Communications: You may print or make a copy of Communications and Forms by using the "Print" button (or otherwise using your printing functionality) or saving a copy - do this when you first review the Communications because after submission we do not necessarily keep them all in a place that you can access. You may receive a paper or non-electronic copy for any transaction completed under this agreement by contacting us by one the methods indicated above.

Be sure to specify your policy number, the specific Communication for which you are requesting a paper copy, the address to which it should be mailed, and a signature with a copy of your driver's license or other valid government identification. We may charge fees for paper copies of the Communications.

Retain Copies for Your Records: We recommend that you print or download a copy of this Agreement and all other Communications and Forms to retain for your permanent records; if you have not already placed a copy of our Privacy Policy in your records, you can obtain another copy here.

Nothing in this agreement affects the content or timing of disclosures to be provided by any other statute, regulation or other rule of law. If any law requires verification or acknowledgement of receipt of such notice or disclosure, the notice or disclosure may be provided or made available electronically only if the method used provides verification or acknowledgements of receipt, whichever is required. Oral communication or a recording of an oral communication shall not qualify as an electronic record for the purposes of consent to receive electronic notices pursuant to this Agreement or the Terms and Conditions.

BY CHECKING THE 'I agree to the terms and conditions' CHECKBOX BELOW You consent to the electronic delivery of the Online Services Agreement and other notices or disclosures relating to the Agreement. You confirm that you are able to access information in an electronic form and you also agree that the institution does not need to provide you with an additional paper (non-electronic) copy of the Agreement or transactions completed hereunder unless specifically requested. You agree to the terms and conditions of all applicable transactions, notices and disclosures.

¹ Banner Life family of companies insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream, NY. Banner products are distributed in 49 states and in DC. William Penn products are available exclusively in New York; Banner does not solicit business there.

I agree to above Terms and Consent

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