This Web site is controlled and operated by Midland National Insurance Company (herein referred to as "Midland National") from its Administrative Office in the State of South Dakota, United States of America. Midland National is licensed to sell life insurance and annuities in all U.S. states, except New York, and is also licensed in the District of Columbia, the Virgin Islands, Puerto Rico, and Guam. Midland National also conducts business in various overseas military installations. Midland National makes no representation that materials on www.mnlife.com are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

The information contained on this Web site is not an offer to sell or a solicitation to buy any insurance product. No insurance product is offered or will be sold in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the insurance laws of such jurisdiction.

CONDITIONS OF USE
By using our site, you signify your assent to the following conditions of use without limitation or qualification. Please read these conditions before using this site. Midland National may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the most current terms and conditions to which you are bound.

DISCLAIMER
All materials on www.mnlife.com are provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Midland National does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Web site or the server that makes it available are free of viruses or other harmful components. Midland National does not warrant or make any representations regarding the use or the results of the use of the materials on this Web site in terms of their correctness, accuracy, reliability, or otherwise. You, not Midland National, will assume the entire cost of all necessary servicing, repair, or correction.

Links to other sites can be accessed through this home page. Such external Internet addresses contain information created, published, maintained, and otherwise posted by organizations independent of Midland National. Midland National does not endorse, approve or certify any information, product or service referenced or provided at such addresses.

LIMITATION OF LIABILITY
While Midland National uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions may occur. Midland National makes no warranties or representations as to the accuracy of this Web site. Under no circumstances including, but not limited to, negligence by act or omission, shall Midland National nor any party involved in creating, producing, or delivering the Web site be liable for any direct, incidental, consequential, indirect, or punitive damagesthat result from the use of, or the inability to use, the materials on this Web site, even if Midland National or a Midland National authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Midland National’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Web site.

RESTRICTIONS ON USE OF MATERIALS
This site is owned and operated by Midland National. Permission is granted to display and navigate around this Web site with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this Web site or any portion hereof is strictly prohibited.

Except as otherwise permitted by Midland National, no materials from www.mnlife.com or any Web site owned, operated, licensed or controlled by Midland National may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Web site for non-commercial, personal use provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Web site for public or commercial purposes, including the text, images, audio, and video, without Midland National’s written permission.

Midland National neither warrants nor represents that your use of materials displayed on this Web site will not infringe rights of third parties not owned by or affiliated with Midland National.

TRADEMARKS/SERVICE MARKS AND COPYRIGHTS
Images displayed on this Web site are either the property of, or used with permission by Midland National. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

All trademarks, service marks, trade names, logos, and icons used by Midland National are proprietary to Midland National. Nothing contained on the Web site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this Web site without the written permission of Midland National or such third party that may own the trademarks or service marks displayed on this Web site. Your use of the trademarks or service marks displayed on this Web site, or any other content on this Web site, except as provided herein, is strictly prohibited.

Questions concerning use of Midland National’s trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to: Midland National Life Insurance Company, One Sammons Plaza, Sioux Falls, SD 57193.

Any communications or materials you transmit to this Web site by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as nonconfidential and nonproprietary and will become the property of Midland National or its affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Midland National is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this Web site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARKS/SERVICE MARK NOTICES
Midland National and all other trademarks, service marks, trade names and logos used by Midland National or its subsidiaries are registered trademarks or service marks of Midland National and/or its subsidiaries.

Use of these marks must be with our permission. We will file appropriate legal action to stop the unauthorized use of these marks.