Pannell Agency

1. Terms

By accessing this web site, you are agreeing to be bound by these

web site Terms and Conditions of Use, all applicable laws and regulations,

and agree that you are responsible for compliance with any applicable local

laws. If you do not agree with any of these terms, you are prohibited from

using or accessing this site. The materials contained in this web site are

protected by applicable copyright and trade mark law.

2. Use License

Permission is granted to temporarily download one copy of the materials

(information or software) on Life Benefits Insurance’s web site for personal,

non-commercial transitory viewing only. This is the grant of a license,

not a transfer of title, and under this license you may not:

• modify or copy the materials;

• use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

• attempt to decompile or reverse engineer any software contained on Life Benefits Insurance’s web site;

• remove any copyright or other proprietary notations from the materials; or

transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Life Benefits Insurance at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

The materials on Life Benefits Insurance’s web site are provided “as is”. Life Benefits Insurance makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Life Benefits Insurance does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall Life Benefits Insurance or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Life Benefits Insurance’s Internet site, even if Life Benefits Insurance or a Life Benefits Insurance authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on Life Benefits Insurance’s web site could include technical, typographical, or photographic errors. Life Benefits Insurance does not warrant that any of the materials on its web site are accurate, complete, or current. Life Benefits Insurance may make changes to the materials contained on its web site at any time without notice. Life Benefits Insurance does not, however, make any commitment to update the materials.

6. Links

Life Benefits Insurance has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Life Benefits Insurance of the site. Use of any such linked web site is at the user’s own risk.

7. Site Terms of Use Modifications

Life Benefits Insurance may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to Life Benefits Insurance’s web site shall be governed by the laws of the United States of America without regard to its conflict of law provisions.

General Terms and Conditions applicable to Use of a Web Site.