Legal Information and Terms of Use

This Legal Information and Terms of Use governs your access and use of the web sites of UNIFI Companies, its affiliates and subsidiaries. As used here "UNIFI Companies" refers to UNIFI Mutual Holding Company, Ameritas Life Insurance Corp., First Ameritas Life Insurance Company of New York, Acacia Life Insurance Company, The Union Central Life Insurance Company, Ameritas Investment Corp., Summit Investment Advisors, Inc., Summit Investment Partners, Inc., Calvert, Ltd., Summit Mutual Funds, Inc., PRB Administrators, Inc., Acacia Federal Savings Bank, their affiliates and subsidiaries.

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

Product Issuers and Distributors
UNIFI Companies is 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. The Union Central Life Insurance Company issues life insurance and annuities in all states, including New York. Group dental, eye care and hearing care insurance products are issued by ALIC in all states, except New York. Certain life insurance, group dental, eye care and hearing care insurance products sold 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 FINRA, a subsidiary of Calvert Group, Ltd. Investment advisory services are available through Summit Investment Advisors, Inc., AIC, 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 UNIFI Companies. 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 UNIFI Companies 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. Retirement and/or financial calculators/calculations which may be provided within these web sites are provided solely for you to estimate hypothetical future financial or retirement status. 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 UNIFI 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 UNIFI Companies distributions are offered through Ameritas Investment Corp., member FINRA/SIPC. Calvert Group, Ltd. provides 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 UNIFI Companies 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
UNIFI Companies may provide, for your convenience and information only, links to other Internet Web sites. Because UNIFI Companies does not have control over these sites, you agree that UNIFI Companies are not responsible for any liability resulting from the access or use of sites not owned by UNIFI Companies and that UNIFI Companies 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 UNIFI Companies. Further, you agree that UNIFI Companies 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 UNIFI Companies own.

Indemnification
By linking, referencing, using or accessing web sites of UNIFI Companies, you agree to these Terms of Use, including agreeing to defend, indemnify and hold harmless UNIFI Companies, 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, UNIFI COMPANIES DISCLAIMS 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 UNIFI COMPANIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. UNDER NO CIRCUMSTANCES SHALL 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 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.

Governing Law; Severability

Copyright and Proprietary Rights in Marks, Logos and Materials
Copyright 2009, UNIFI Mutual Holding Company. Materials and intellectual property found on web sites of UNIFI Companies 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 The UNIFI Companies 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 The UNIFI Companies or their respective owners. If you would like to link to any Web site of UNIFI Companies or use its logos on your site, please contact us at corpcomm@unificompanies.com.

Proprietary Marks and Logos
The entire content of this Web site, including all text, graphics, images, photos, video, audio, logos, other material and the arrangement of such content, is owned by UNIFI Companies or its affiliates and subsidiaries and is protected by copyright under United States and foreign laws, unless otherwise indicated. Ameritas and the bison symbol is a service mark or registered service mark of Ameritas Life Insurance Corp. First Ameritas Life Insurance Corp. of New York is a registered service mark of First Ameritas Life Insurance Corp. of New York. 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 Life Insurance Corp., Law Department, 5900 O Street, Lincoln, NE 68510 USA.

Insurance Companies Licensing Information

Ameritas Life Insurance Corp.
5900 O Street
Lincoln, NE 68510
NAIC #943-61301
Licensed in all states except New York

First Ameritas Life Insurance Corp. of New York
400 Rella Blvd., Suite 304
Suffern, New York 10901
NAIC #943-60033
Licensed in the State of New York

Acacia Life Insurance Company
7315 Wisconsin Avenue
Bethesda, Maryland 20814
NAIC #437-60038
Licensed in all states except Alaska, Maine, and New York

The Union Central Life Insurance Company
Home Office:
5900 O Street
Lincoln, NE 68510

Administrative Office:
1876 Waycross Road
Cincinnati, Ohio 45240

NAIC #394-80837
Licensed in all states