AYG Financial | Terms and Condition

Introduction

This Terms of Use and Online Services Agreement (the “Terms of Use”) governs your access to and use of: (i) www.aygfinancial.com and www.aygprofessional.com (ii) any other AYG website or mobile application that includes a link to these Terms of Use or where these Terms of Use appear (collectively, the “Site”); and (iii) the Content (as defined below). These Terms of Use thus govern any account that you create with us online, whether through the Site, a AYG mobile application, and /or your use of any of the services associated with your online account or that are otherwise available through the Site (collectively, the “Online Services”). Certain Online Services and other Content may only be available to certain users, and such availability will depend on your relationship to AYG Insurance and Financial Services. Therefore, some provisions of these Terms of Use may not apply.

PLEASE NOTE THAT THESE TERMS OF USE REQUIRE BINDING ARBITRATION OF DISPUTES RELATED TO THE ONLINE SERVICES (see below for details). If you have securities, an investment account, a retirement account, a pension account, contract, annuity, an insurance policy or certificate or any other account, product or service with us (“Product(s)”) you will be treated as a Customer under these Terms of Use and your customer relationship with AYG may be subject to other agreements related to your Products (“Product Agreements”). If you are a party that has a selling agreement, distribution agreement, enrollment agreement, agency, solicitation, plan services agreement, third party administration agreement, or other service, distribution or selling agreements with us (collectively “Business Agreements”) you will be treated as a Business under these Terms of Use. Such Business Agreements may contain terms that are different from those set forth in these Terms of Use. In the event of any conflict between these Terms of Use and either Product Agreements or Business Agreements, including provisions with respect to arbitration set forth herein, your Product Agreements and/or Business Agreements control.

For purposes of these Terms of Use, the terms “AYG Insurance and Financial Services,” the “Company,” “we,” “us,” or “our” means AYG Corporation and all of its parents, subsidiaries and affiliates, including those of its parent, Aegon N.V. PLEASE READ THESE TERMS OF USE CAREFULLY. IF YOU ACCESS THE SITE OR THE CONTENT, YOU ARE AGREEING TO THESE TERMS OF USE. YOU WILL BE REQUIRED TO REVIEW AND AFFIRMATIVELY ACCEPT THESE TERMS OF USE IN ORDER TO ESTABLISH AN ONLINE ACCOUNT WITH US AND TO ACCESS THE ONLINE SERVICES. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU MAY NOT ACCESS OR USE THE SITE, CONTENT,

OR ONLINE SERVICES. WE RESERVE THE RIGHT TO MAKE CHANGES TO THESE TERMS OF USE AT ANY TIME BY POSTING AN UPDATED VERSION AT THE SITE. WE WILL INDICATE THAT CHANGES TO THESE TERMS OF USE HAVE BEEN MADE BY UPDATING THE “LAST REVISED” DATE SET FORTH ABOVE. FOR THOSE WITH AN ONLINE ACCOUNT, UPON A MATERIAL UPDATE TO THESE TERMS OF USE YOU WILL BE REQUIRED TO REVIEW AND ACCEPT THE THEN- CURRENT TERMS OF USE PRIOR TO LOGGING-IN AND ACCESSING YOUR ONLINE ACCOUNT. ALL SUCH CHANGES WILL BE EFFECTIVE UPON POSTING UNLESS OTHERWISE STATED. YOU SHOULD PERIODICALLY VISIT THESE TERMS OF USE TO REVIEW THE MOST CURRENT TERMS OF USE. YOUR CONTINUED USE OF THE SITE AND ONLINE SERVICES FOLLOWING CHANGES TO THESE TERMS OF USE CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES.

Proprietary Nature of Site and Content

The material and content accessible on or generated by this Site including (without limitation), applications, calculators, software, text, articles, reports, audio and video files, images, trademarks, service marks, logos, and icons (the “Content”) is owned or licensed by the Company and protected by copyright and other laws in the United States and other countries. Subject to your compliance with these Terms of Use, the Company grants you a limited, personal, nontransferable, nonsublicensable, revocable license to access and make non-commercial (excepted as permitted in the following sentence) use of the Site, the Content and the Online Services only in the manner approved by the Company. Unless you are an authorized distributor or financial advisor appointed with us wherein your written agreement addresses your rights to use and modify Content, neither the Site nor the Content may be used for any commercial purpose or be framed, copied, reproduced, performed, displayed, distributed, republished, uploaded, posted, scraped, spidered or transmitted in any way, without our prior written consent, which may be withheld in our sole discretion, except that you may print out or electronically save a copy of the Content, these Terms of Use and the Online Privacy Statement for your personal use and records. In doing so, you may not remove or alter any copyright, trademark, service mark, or any other proprietary notice or legend or regulatory disclosure appearing on any of the Content. Modification or use of the Site or Content except as expressly provided in these Terms of Use violates the intellectual property rights of the Company and its licensors. Except for the limited license granted above, the Company does not convey any interest in or to the Site or Content by permitting you to access the Site. All rights not expressly granted to you in these Terms of Use are reserved and retained by the Company or its licensors.

Trademarks, Service Marks and Copyrights

The stylized AYG logo is a registered trademark of AYG. Images, trademarks, service marks, logos, and icons displayed on this Site are the property of the Company or its licensors and may not be used without our prior written consent.

Hyperlinks

We may provide hyperlinks to third party sites (“Third Party Sites”). Third Party Sites are not maintained by, related to, sponsored by or affiliated with us and are provided solely as a service and convenience to you. Third Party Sites are to be accessed at your own risk, and we make no representations or warranties about the content, completeness, accuracy or security of Third Party Sites.

Privacy

Please review our Online Privacy Statement, which also governs your access to the Site and use of the Online Services.

No Representation as to Suitability; No Investment Advice

Nothing on this Site or in any of the Content (including the results of any online budget calculators) should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus, disclosure memorandum, customer disclosure document, or any other Content on this Site (including the results of any online calculators) is solely for convenience and informational purposes and should not be interpreted as a recommendation or opinion that you should make any purchase or sale or participate in any transaction. We make no representation as to the financial investment or suitability of any Product described on this Site for any user. All such information is general in nature and does not consider your personal financial situation, nor constitute an endorsement or recommendation of any investment program, service or other product, or the suitability of it for you. In order to evaluate whether a particular Product is suitable for your financial needs, you should contact a qualified financial professional. Nothing on this Site constitutes an offer to sell or a solicitation to buy any security or any insurance product. All insurance or securities transactions require signed agreements between us and our customers, and the terms of those agreements are binding on the parties.

Forward-Looking Statements

The Company's financial information on this Site, whether historical or forward-looking, such as management expectations, strategic objectives, growth opportunities, business prospects, anticipated financial results, and similar topics, is valid only as of the posting date. Forward-looking statements reflect management's beliefs about future performance, which is inherently uncertain. Various factors, many beyond the Company's control, influence its operations, performance, business strategy, and outcomes, potentially causing actual results to differ significantly from expressed expectations and goals. These factors encompass actions by competitors, economic conditions, legislative effects, and other risks noted in the report. Hence, it is advised not to rely excessively on forward-looking statements. The Company does not commit to updating or deleting such information post-posting, except for updating future filings with regulatory authorities. For further details, refer to the Company's subsequent filings with the US Securities and Exchange Commission or the Netherlands Authority for the Financial Markets.

U.S.-Based Site and Services; Availability of Products and Services

This Site is controlled by us from our offices within the United States. The Products referred to on this Site are generally offered and sold only to persons in the United States and its territories except in limited circumstances where a certain Product may be offered and administered outside of the United States. Some Products may not be available in all jurisdictions and/or may be subject to eligibility requirements. No security, advisory, or insurance product or service is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, advisory, insurance, or other laws of such jurisdiction. Product, services or advisory fees and other charges identified on the Site are provided for general information purposes only and are subject to change. You should consult the prospectus, policy, certificate, account or plan documents or a qualified financial professional for information regarding the Products, fees, programs and services that may be available to you.

Accessing the Content or Online Services from jurisdictions where it is illegal is not allowed. You are accountable for following all relevant laws and must not use or transfer the materials on this Site in violation of U.S. export laws, regulations, or local laws. By downloading Content or utilizing Online Services, you confirm that you are not in a country where such export is restricted, that you are not an individual or entity to whom such export is prohibited, and that you are abiding by the laws of your local jurisdiction concerning the import, export, or re-export of any Content.

Use of Online Services

Online Services generally require you to register at the Site and log-on with a user name, password and in some instances answers you provide us to security questions (the “Access Codes”). Online Services may include, for example, address or beneficiary changes, obtaining balance information, viewing transaction histories, submitting claims or performing other authorized transactions. The Company may, from time to time, introduce new features or eliminate features to the suite of the Online Services by updating the Site.

Your use of the Online Services is subject to applicable laws and:

any additional terms or guidelines that appear on your screen during use of the Online Services; the Consent to do Business Electronically for Online Transactions (“Consent”, applicable only to Customers); and
Product Agreement and/or Business Agreement with us (collectively all of the foregoing, “Account Policy(ies)”).

For Customers

We may terminate your access to the Online Services if you violate these Terms of Use or Account Policies. The Online Services will not be available to you if you have not agreed to the Consent, or if you have revoked your consent.

If you have a Product that allows you to individually elect to participate in electronic delivery, you may elect to do so by accessing the Online Services and agreeing to specific terms that may be applicable to that Product. If you are a Customer that is a participant in a retirement plan, and your plan’s sponsor or administrator has elected electronic delivery for plan related communications and notices, you will automatically be enrolled in electronic delivery for that Product. If you participate in electronic delivery, we may provide you with information that the Company is required to provide by law, regulation, or contract in writing (such as quarterly or annual statements, prospectuses, and legally required notices,

as applicable) (collectively "Required Communications"). You may opt out of electronic delivery at any time by accessing the Online Services and changing your preferences. If you opt out of electronic delivery you will receive Required Communications in paper copy by mail.

Information about your Products or the transactions you conduct using the Online Services (for example, balance information and transaction history) may only reflect activity conducted through the close of the previous business day and remains subject to adjustment and correction by us.

For Business

We may terminate your access to the Online Services if you violate these Terms of Use or Account Policies. If you have agreed to the electronic delivery of documents or conduct business electronically with the Company, the Company may, at its discretion, make certain documents required by regulatory authorities, including but not limited to, the Department of Labor (“DOL”), the Internal Revenue Service, the Securities and Exchange Commission (the “SEC”), Financial Industry Regulatory Authority (“FINRA”) or state departments of insurance, available for download or access electronically or via e-mail (such documents may include quarterly or annual statements, prospectuses and confirmations) (collectively, the “Required Documents”).

The Content, excluding the Required Documents, is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by the Company. Account information, other than the Required Documents, available on this Site is not the official record of your account. Investors, customers, and other persons should use the Content in the same manner as any other informational medium and should not rely on the Content, excluding the Required Documents, to the exclusion of their own professional judgment. Information obtained by using this Site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals and objectives.

Online Services Profile Updates and Communications

You agree to provide us true, accurate, current and complete information about yourself and your account during the registration process or as otherwise requested in connection with use of the Online Services, including your email address, phone number and other contact information (“Profile Information”), and to regularly update this information to maintain its completeness and accuracy. Any change that you make to your Profile Information will apply only to the account for which you make the change, and unless otherwise indicated, will not impact any information related to your Products. If you have more than one account, you may have the option to update your Profile Information for each other account automatically.

To the extent necessary to carry out your instructions with respect to an Online Service, you authorize us to send email, text, and/or other electronic communications to you, and other persons on your behalf.

Email, text and/or other electronic communication sent to others pursuant to your instructions and on your behalf may identify you by name and may state that we are sending such communication on your behalf and according to your instructions. We may send and by using the Online Services you consent to us sending email and text messages to any email address or phone number you have provided to us. In addition, we may use your Profile Information (including email address) for notifications related to your account or use of the Online Services and as set forth in the Online Privacy Statement. We may require certain email or other communications to be conducted through secure or encrypted email. We will never ask you to send personal information such as account or Social Security numbers by non-secure email.

In addition, you agree that you will not use an email to the Site to request, authorize, or affect the purchase or sale of any securities or other Product, to change your address or other account information, to change your Access Codes, to transmit personal credit information (including credit card numbers), to send fund transfer instructions, or for any other financial transactions that require formal authorization in accordance with applicable law or our policies and procedures. We will not accept or process any requests or instructions submitted to the Site by email and are not responsible for any act or failure to act as a result of any such email communication to the Site. We are not responsible for any loss or damage that result from any unauthorized access to, or use by third parties, of any information you transmit to the Site by email.

Security

You agree to use this Online Services to access only those accounts on which you are authorized to act, and to use your own Access Codes when accessing such accounts. You are prohibited from using the Online Services to attempt to compromise security or tamper with system resources or other accounts. If you are involved in any violation of Site security or otherwise violate these Terms of Use, we may release your details to system administrators at other sites and to federal or state law enforcement officials. We reserve the right to fully investigate suspected violations of these Terms of Use and to cooperate fully with any law enforcement authorities, regulatory authorities, or court orders requesting or directing us to disclose the identity of anyone suspected of suspicious activity, or publishing or otherwise making available any materials that are believed to violate these Terms of Use. Please review our Online Privacy Statement for more information.

Transactions

We reserve the right to decline any transaction made through an Online Service that violates these Terms of Use or any Account Policy, or if we suspect it may be unauthorized or involve funds under hold, dispute, restriction, or legal process. Additionally, we may decline any Online Services transaction to safeguard either party. We are not liable for Online Services failures or transaction issues arising from system maintenance or uncontrollable events like power outages, computer viruses, system malfunctions, fires, floods, earthquakes, or severe weather conditions.

Viruses

There is a chance of unintentionally obtaining computer viruses or other harmful code ("Viruses") when using the Internet or Third-Party Sites or applications. It is your duty to scan all downloaded materials received from the Internet, Third-Party Sites, or applications. We are not accountable for any harm caused by Viruses or related dangers, regardless of whether they originated from the Site or Online Services. You are responsible for any expenses associated with servicing, repairing, or correcting issues related to Viruses, not the Company.