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This website is not intended to provide investment, tax, legal or insurance advice. Old Mutual is not in the business of providing investment advice and shall have no liability whatsoever for any investment decisions or the results of any investments made by a user of this website. All investment advisory, mutual fund, insurance and other products and services referenced in this website are managed and offered by Old Mutual affiliate firms ("Old Mutual Firms") and not by Old Mutual. Nothing contained in this website constitutes investment advice. Neither the information, nor any opinion contained in this website constitutes a solicitation or offer by Old Mutual or Old Mutual Firms to buy or sell any securities, futures, options or other financial instruments, or to offer investment advisory services, nor shall any such security be offered or sold or investment advisory service offered to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the laws of such jurisdiction. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

Except as otherwise indicated, this website is intended for persons residing in the United States, and the information on this website is only for such persons.

Old Mutual believes that the information on this website has come from reliable sources, but it cannot assure its completeness or suitability for any purpose. The information contained within this website is current only as of the date of the most recent update, or if no update information has been provided, the date of issuance, but Old Mutual does not represent or endorse the accuracy or reliability of any material on this website. Users are strongly encouraged to check the dates of issuance and most recent updates of any information contained within this website. Old Mutual cannot guarantee that the material on this website has not been affected by technical malfunctions or unauthorized tampering. The materials on this website are subject to change without notice.

THIS WEBSITE, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THIS WEBSITE, IS PROVIDED ON AN "AS IS, AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, OLD MUTUAL AND THE OLD MUTUAL FIRMS MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THIS WEBSITE, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THIS WEBSITE OR ANY LINKED SITE. FURTHER, OLD MUTUAL AND THE OLD MUTUAL FIRMS DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. OLD MUTUAL AND THE OLD MUTUAL FIRMS DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THIS WEBSITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. OLD MUTUAL AND THE OLD MUTUAL FIRMS SHALL NOT BE LIABLE FOR THE USE OF THIS WEBSITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN.

Old Mutual and the Old Mutual Firms are not responsible for any damages whatsoever, and in particular, Old Mutual and the Old Mutual Firms shall not be responsible for direct, indirect, special, punitive, incidental, or consequential damages, or damages for lost profits, loss of revenue, loss of use, lost data, lost opportunity, or any other commercial or other damages, arising out of or related to the use, reliance on, inability to use, performance, or non-performance of the information or data that appears on, or is linked or related in any way to, this website, whether such damages arise from contract, negligence, tort, or otherwise, even if Old Mutual or the Old Mutual Firms have been advised of the possibility of such damages. IF YOU ARE DISSATISFIED WITH THIS WEBSITE, YOUR EXCLUSIVE REMEDY SHALL BE TO CEASE USING THIS WEBSITE.

Certain statements on this website may constitute forward-looking statements within the meaning of the federal securities laws. Such statements should be considered in light of the risks and uncertainties associated with Old Mutual and the Old Mutual Firms, including changes in the asset management industry, securities or financial markets or in general economic conditions, the availability of equity and debt financing, competition for acquisitions of interests in investment management firms, and other risks.

Electronic mail submitted to this site should be considered neither secure nor confidential. Old Mutual makes no representation whatsoever concerning the security or confidentiality of your electronic messages and specifically makes no representation that any electronic messages submitted through this website will be received by Old Mutual. Furthermore, any communications or material you transmit to or through this website by electronic mail or otherwise, including, but not limited to, data, questions, comments, or suggestions will be treated as nonconfidential (except as otherwise required by law) and nonproprietary and will become the property of Old Mutual. Such communications or materials may be used for any lawful purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Further, Old Mutual may monitor use of the website, and Old Mutual reserves the right to use any ideas, concepts, know-how, or techniques contained in any electronic communication you send to or through this website for any purpose whatsoever. You hereby waive all rights to any claim against Old Mutual for any alleged or actual infringements of any proprietary rights, moral rights, and rights of attribution in connection with such communications.

This website, and all of its contents, is protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions and other copyright laws. All rights not granted to you herein are expressly reserved by Old Mutual or its affiliates. Other than as expressly provided in these terms and conditions of use, your use of this website does not create a license or any other rights in trademarks, service marks, copyrights, patents, trade secrets or any other intellectual property or proprietary rights of Old Mutual or the Old Mutual Firms. The content of this website is only for your personal, non-commercial use. All content on this website is protected by copyright and is owned or controlled by Old Mutual, its affiliates or the party credited as the provider of the content (if any). You will abide by any and all additional copyright notices, information, or restrictions contained in any content on this website. You may download and make one copy of the content and other downloadable items displayed on this website for personal, non-commercial use only, provided that you maintain all copyright and other notices contained in such content or item. Copying or storing of any content for other than personal, non-commercial use is expressly prohibited without the prior written consent of Old Mutual or the copyright holder identified in the individual content's copyright notice. You may not use, publish, display, disclose, rent, lease, modify, loan, distribute, transmit, reuse or repost any of the contents on this website, or create derivative works based on the content, the website or any part thereof.

OLD MUTUAL, E-INVEST, E-IRA, E-ROLLOVER and the three anchor design are registered trademarks of Old Mutual or its affiliates. The names of Old Mutual Firms and their funds and products, as well as any related graphics, logos and service names may be trademarks, service marks or trade dress of the respective Old Mutual Firms. The trademarks, service marks and trade dress of Old Mutual and the Old Mutual Firms may not be used in connection with any product or service not owned or explicitly sanctioned by their respective owners, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Old Mutual or the Old Mutual Firms. Any trademarks, service marks or trade dress not owned by Old Mutual or the Old Mutual Firms that appear on this website are the property of their respective owners, who may or may not be affiliated with, connected to or endorsed by Old Mutual or the Old Mutual Firms.

Links to third-party websites through hyperlinks are provided by Old Mutual as a convenience. Old Mutual does not control these sites and is not responsible for the content, update or accuracy of these sites. Old Mutual does not endorse or make any representations about the companies, products, or materials accessible through these hyperlinks, or the security of such websites. If you opt to hyperlink to other websites accessible through this website, you do so entirely at your own risk. Further, no representation or warranty is provided for any software that you may download from a link from this website.

You acknowledge and agree that any content or software downloaded or otherwise obtained from Old Mutual and its affiliates is done at your own risk and that you will be solely responsible for any damages whatsoever arising from the download or other acquisition of such content or software. Old Mutual and its affiliates will not be responsible if any software or content infects or contaminates a user's system or information.

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