THE FOLLOWING TERMS AND CONDITIONS GOVERN YOUR USE OF THIS WEBSITE. YOUR USE OF THIS WEBSITE CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS.
This Agreement applies to the use of this Prudential Financial Web site, an internet service to permit access by third party distribution intermediaries (including agents and brokers and any of their support staff) to client account information either on a view only and/or a transactional basis and other information regarding the company, compensation, appointment, underwriting, policy service, marketing resources, meetings and events, e-mail directory, forms, and software, etc. To use this Website, the user represents that he or she is operating under the authority of an effective marketing agreement ("you" or "your") with The Prudential Insurance Company of America, its subsidiaries or affiliates ("Prudential). "You" or "your also means any other authorized user.

You agree that you will not disclose your User ID and password to any other party. Prudential reserves the right to block access to the Web site for any reason, including but not limited to: maintenance and security of this Website and/or Prudential systems or if we believe your access codes have been or may be obtained or are being used by an unauthorized person.

This Prudential Financial Web site contains proprietary and confidential information of Prudential. It should not be copied or disclosed to third parties unless you are using it for the purposes of Prudential business.

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 a transaction.

Internet Communications with Prudential
Online services are provided to you inside a firewall at this Website to enhance your communications with Prudential. You agree that you will only use the online services at this Website (and not e-mail outside the firewall) to request information regarding a client or your Prudential business relationship. We may respond by e-mail if a secure transmission is not required. You agree that you will not use the online services at this site to request, authorize or effect the purchase or sale of any securities, services or other products, unless otherwise instructed.

Client Account Access
You represent that you will only access accounts for which your access is authorized, i.e. accounts which you are servicing. Account data may not be accurate and is generally updated as of the prior business day's close of business (unless otherwise noted).

Third Party Web Sites
From time to time, as a convenience for you, we may provide links to third party websites, or permit third parties to link to this website. Links to or from a third party site, whether provided by Prudential Financial or not, do not imply any affiliation between Prudential Financial and the site owner, or an endorsement, approval, or verification by Prudential Financial of any content available on such third party sites. We do not periodically review these third party sites and we are not responsible or liable for the accuracy or completeness of the content on any such third party sites. By providing access to other websites, Prudential Financial is not recommending the purchase or sale of products or services provided by the sponsoring organization of any linked site. 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 site. Please call our operations department at 973-802-2269 to submit such a request.

Ownership and Use of Content
All of the information and content on this Website, including but not limited to all text, graphics, software applications, video and audio files and photos ("Content") is owned or licensed by Prudential Financial, and is protected by worldwide copyright laws and treaty provisions, 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 the prior written permission of Prudential Financial.

No Warranty
WE WILL MAKE EVERY REASONABLE EFFORT TO INCLUDE ACCURATE AND UP TO DATE CONTENT ON THIS WEBSITE. HOWEVER, THE CONTENT ON THIS WEBSITE (INCLUDING ANY GRAPHICS) AND 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, PRUDENTIAL FINANCIAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. PRUDENTIAL FINANCIAL DOES 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. THE CONTENT ON THIS WEBSITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THIS CONTENT COULD BECOME INACCURATE AS A RESULT OF DEVELOPMENTS OCCURRING AFTER PUBLICATION. PRUDENTIAL FINANCIAL UNDERTAKES NO OBLIGATION TO KEEP ANY SUCH INFORMATION CURRENT. PRUDENTIAL FINANCIAL ENDEAVORS TO MAINTAIN THIS WEBSITE AND ITS OPERATION, BUT IS NOT, AND CANNOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, PRUDENTIAL FINANCIAL EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. PRUDENTIAL FINANCIAL MAKES NO WARRANTY THAT (i) THE OPERATION OF THIS WEBSITE WILL MEET THE USER'S REQUIREMENTS; (ii) ACCESS TO THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR FREE OF ERRORS; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE WILL BE ACCURATE OR RELIABLE; OR (iv) DEFECTS WILL BE CORRECTED. YOU (AND NOT PRUDENTIAL FINANCIAL) ASSUME THE ENTIRE COST OF ALL SERVICING, REPAIR, OR CORRECTION THAT MAY BE NECESSARY FOR YOUR COMPUTER EQUIPMENT AND SOFTWARE AS A RESULT OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF VISITING THIS WEBSITE.

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, AND ALL OPERATIONS ON THIS WEBSITE ARE WARRANTED ONLY TO THE MINIMUM AMOUNT LEGALLY REQUIRED.

No Liability
IN USING THIS WEBSITE, YOU SPECIFICALLY AGREE THAT YOU WILL NOT HOLD PRUDENTIAL FINANCIAL LIABLE TO YOU OR ANY PARTY FOR ANY DAMAGES OR INJURY OR LOSS, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL PUNITIVE DAMAGES, OR LOST PROFITS, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS SITE (OR ANY OTHER LINKED WEBSITE), 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). PRUDENTIAL FINANCIAL SHALL NOT BE LIABLE EVEN IF PRUDENTIAL FINANCIAL OR A PRUDENTIAL FINANCIAL AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE 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 COMPONENT. THESE LIMITATIONS ON PRUDENTIAL FINANCIAL'S LIABILITY MAY BE DIFFERENT IN CONNECTION WITH PARTICULAR PRODUCTS OR SERVICES THAT ARE OFFERED.

Your Responsibility
YOU AGREE TO DEFEND, INDEMNIFY AND HOLD PRUDENTIAL HARMLESS AGAINST ANY LIABILITY, LOSSES, DAMAGES OR COSTS AND EXPENSES (INCLUDING ATTORNEYS� FEES) RESULTING FROM ANY UNAUTHORIZED, IMPROPER OR NEGLIGENT USE OF THIS WEB SITE, INCLUDING CLIENT ACCOUNTS AND SERVICES.

IF YOU AUTHORIZE THIRD PARTIES TO ACCESS ANY CLIENT ACCOUNTS AND/OR OUR WEB SITE, YOU AGREE TO DEFEND, INDEMNIFY AND HOLD PRUDENTIAL HARMLESS AGAINST ANY LIABILITY, LOSSES, DAMAGES OR COSTS AND EXPENSES (INCLUDING ATTORNEYS� FEES) ARISING OUT OF, OR RESULTING FROM, SUCH ACCESS AND USE.

You agree to immediately notify us by telephone, if you become aware of any of the following:

1. loss, theft or unauthorized use of any Password and/or Account number(s);
2. inaccurate information in any Account balance(s), security positions, or transaction history.

To report an error you must provide us with the following information:

• Client name, Social Security Number, Address and Account Number(s).
• Description of the suspected error(s) or the nature of the problem.
• Dollar amount of the suspected error.

Trademarks
Prudential®, Prudential Online®, Prudential XPress, the Prudential XPress logo, PruSelect and the Prudential Rock Financial Logo are service marks of Prudential. Other proprietary Prudential marks may be designated as such from time to time on this site through use of the SM or ® symbols. Except when included in any authorized printouts of the Content, you are not authorized to make any use of any Prudential's registered or proprietary marks.

Governing Law
You agree that this Agreement shall be governed and interpreted in accordance with the laws of the state of New Jersey, without giving effect to conflict of law principles thereof. You further agree to submit to the exclusive jurisdiction of the federal and state courts in the State of New Jersey located in Newark, NJ. 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 Prudential Financial 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.

Amendment of this Agreement
The Content on this Web site, and this Agreement, are subject to change by Prudential at any time without prior notice. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES. Your continuing use of this Web site constitutes your acceptance of any changes, which shall become controlling when posted.