Introduction

This Terms of Use and Online Services Agreement (the “Terms of Use”) governs your access to and use of mytlb.transamericalifebermuda.com and any other website of Transamerica Life (Bermuda) Ltd. (Transamerica Life Bermuda) or its affiliates or any mobile application of Transamerica Life Bermuda or its affiliates that includes a link to these Terms of Use or where these Terms of Use appear (collectively, the “Site”) and the Content (defined below) on the Site. These Terms of Use also govern any account that you create with us online, whether through the Site, including a Transamerica Life Bermuda mobile application, and your use of any of the services associated with your online account or that are otherwise available through the Site, including a Transamerica Life Bermuda mobile application (collectively, the “Online Services”). Online Services and other Content may only be available after you have created an account with us. Therefore some provisions of these Terms of Use may not apply to you.

For the purposes of these Terms of Use, the terms “Transamerica Life Bermuda,” the “Company,” “we,” “us,” or “our” means Transamerica Life (Bermuda) Ltd. and all of its parents, subsidiaries and affiliates. PLEASE READ THESE TERMS OF USE CAREFULLY. IF YOU ACCESS THE SITE OR THE CONTENT, YOU ARE AGREEING TO THESE TERMS OF USE. YOU WILL BE REQUIRED TO REVIEW AND AFFIRMATIVELY ACCEPT THESE TERMS OF USE IN ORDER TO ESTABLISH AN ONLINE ACCOUNT WITH US AND TO ACCESS THE ONLINE SERVICES. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU MAY NOT ACCESS OR USE THE SITE, CONTENT, OR ONLINE SERVICES. WE RESERVE THE RIGHT TO MAKE CHANGES TO THESE TERMS OF USE AT ANY TIME BY POSTING AN UPDATED VERSION AT THE SITE. WE WILL INDICATE THAT CHANGES TO THESE TERMS OF USE HAVE BEEN MADE BY UPDATING THE “LAST REVISED” DATE SET FORTH ABOVE. FOR THOSE WITH AN ONLINE ACCOUNT, UPON AN UPDATE TO THESE TERMS OF USE YOU WILL BE REQUIRED TO REVIEW AND ACCEPT THE THEN-CURRENT TERMS OF USE PRIOR TO LOGGING-IN AND ACCESSING YOUR ONLINE ACCOUNT. ALL SUCH CHANGES WILL BE EFFECTIVE UPON POSTING UNLESS OTHERWISE STATED. YOU SHOULD PERIODICALLY VISIT THIS PAGE TO REVIEW THE MOST CURRENT TERMS OF USE. YOUR CONTINUED USE OF THE SITE AND ONLINE SERVICES FOLLOWING CHANGES TO THESE TERMS OF USE CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES.

Proprietary Nature of Site and Content

The material and content accessible on or generated by this Site including (without limitation), applications, calculators, software, text, articles, reports, audio and video files, images, trademarks, service marks, logos, and icons (the “Content”) is owned or licensed by the Company and protected by copyright and other laws in Bermuda and other relevant jurisdictions. Subject to your compliance with these Terms of Use, the Company grants you a limited, personal, nontransferable, nonsublicensable, revocable license to access and make non-commercial (excepted as permitted in the following sentence) use of the Site, the Content and the Online Services only in the manner approved by the Company. Unless you are an authorised distributor or financial advisor appointed with us wherein your written agreement addresses your rights to use and modify Content, neither the Site nor the Content may be used for any commercial purpose or be framed, copied, reproduced, performed, displayed, distributed, republished, uploaded, posted, scraped, spidered or transmitted in any way, without our prior written consent, which may be withheld in our sole discretion, except that you may print out or electronically save a copy of the Content, these Terms of Use and our Privacy Policy for your personal use and records. In doing so, you may not remove or alter any copyright, trademark, service mark, or any other proprietary notice or legend or regulatory disclosure appearing on any of the Content. Modification or use of the Site or Content except as expressly provided in these Terms of Use violates the intellectual property rights of the Company and its licensors. Except for the limited license granted above, the Company does not convey any interest in or to the Site or Content by permitting you to access the Site. All rights not expressly granted to you in these Terms of Use are reserved and retained by the Company or its licensors.

Trademarks, Service Marks and Copyrights

The stylised AEGON logo is a federally registered trademark of AEGON NV, and TRANSAMERICA, the Transamerica Pyramid building, and Transamerica Pyramid logo are federally registered trademarks of the Transamerica Corporation. Images, trademarks, service marks, logos, and icons displayed on this Site are the property of the Company or its licensors and may not be used without our prior written consent.

Hyperlinks

We may provide hyperlinks to third party sites (“Third Party Sites”). Third Party Sites are not maintained by, related to, sponsored by or affiliated with us and are provided solely as a service and convenience to you. Third Party Sites are to be accessed at your own risk, and we make no representations or warranties about the content, completeness, accuracy or security of Third Party Sites.

Privacy

By applying for an account or using the electronic services, you acknowledge and consent for Transamerica Life Bermuda or its respective representatives or agents to collect, use, store, transfer and/or disclose the information, to or with all such persons (including any affiliates of Transamerica Life Bermuda or any third party service provider, and whether within or outside of Bermuda, Hong Kong or Singapore) for the purpose of enabling Transamerica Life Bermuda to provide you with services required of an insurance provider, including the processing, administering and/or managing of your relationship and policy(ies) with Transamerica Life Bermuda, and for the purposes as set out in Transamerica Life Bermuda’s Privacy Policy in this site or Transamerica Life Bermuda’s website, which can be found at https://www.transamericalifebermuda.com/en/privacy-policy/, which also governs your access to the Site and use of the Online Services.

No Representation as to Suitability; No Investment Advice

Nothing on this Site or in any of the Content (including the results of any online calculators) should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other Content on this Site (including the results of any online calculators) is solely for convenience and informational purposes and should not be interpreted as a recommendation or opinion that you should make any purchase or sale or participate in any transaction. We make no representation as to the financial investment or suitability of any product or service described on this Site for any user. All such information is general in nature and does not consider the personal financial situation of any person, nor constitute an endorsement or recommendation of any investment program, service or other product, or the suitability of it for any person. In order to evaluate whether a particular product or service is suitable for the financial needs of a person, you should contact a qualified financial professional. Nothing on this Site constitutes an offer to sell or a solicitation to buy any security or any insurance product. All insurance or securities transactions require signed agreements between us and our customers, and the terms of those agreements are binding on the parties.

Forward-Looking Statements

All of the Company’s or its parent’s financial information on this Site, whether historical in nature or forward-looking, including those about management expectations, strategic objectives, growth opportunities, business prospects, anticipated financial results and other similar matters is relevant only as of the date the information is posted on this Site. Forward-looking statements represent only management’s beliefs regarding future performance, which is inherently uncertain. There are a variety of factors, many of which are beyond the Company’s or its parent’s control, which affect its operations, performance, business strategy and results and could cause its actual results and experience to differ materially from the expectations and objectives expressed in any forward-looking statements. These factors include, but are not limited to, actions and initiatives taken by current and potential competitors, general economic conditions, the effects of current, pending and future legislation, regulation and regulatory actions, and the other risks and uncertainties detailed in this report. Accordingly, you are cautioned not to place undue reliance on forward-looking statements. We do not undertake any obligation to update such information after it is posted or to remove such information if it is not accurate or complete. You should, however, consult further disclosures the Company or its parent may make in future filings of its Annual Report or other filings with the US Securities and Exchange Commission or the Netherlands Authority for the Financial Markets.

Availability of Products and Services

This Site is controlled by us from our offices in Hong Kong, Singapore or Bermuda. The products and services referred to on this Site are generally offered and sold only to persons in such jurisdictions as communicated by the Company to you. Additionally, some products may not be available in all jurisdictions and/or may be subject to eligibility requirements. No security, advisory, or insurance product or service is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, advisory, insurance, or other laws of such jurisdiction. Product, services or advisory fees and other charges identified on the Site are provided for general information purposes only and are subject to change. You should consult the prospectus, policy, certificate, account or plan documents or a qualified financial professional for information regarding the products, fees, programs and services that may be available to you.

Access to the Content or Online Services from jurisdictions where such access is illegal is prohibited. You are responsible for your compliance with all applicable laws and you may not use or export the materials in this Site in violation of applicable export laws and regulations. By downloading Content or using Online Services, you warrant that you are not in a country where such export is prohibited, that you are not a person or entity to which such export is prohibited, and that you are otherwise in compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Content.

Use of the Online Services

Online Services generally require you to register at the Site and log-on with a username, password and in some instances answers you provide us to security questions (the “Access Codes”). Online Services may include, for example, obtaining balance information, viewing transaction histories or performing other authorised transactions. The Company may, from time to time, introduce new features or eliminate features to the suite of Online Services by updating the Site. Your use of the Online Services is subject to applicable laws and:

• any additional terms or guidelines that appear on your screen during use of the Online Services;
• the Consent to do Business Electronically (if applicable);and
• your policy, certificate or account agreement with us (collectively all of the foregoing, “Account Policies”).

We may terminate your access to the Online Services if you violate these Terms of Use or Account Policies. Certain aspects of the Online Services may not be available to you if you have not agreed to the Consent to do Business Electronically, or if you have revoked such consent. As provided in the Consent to do Business Electronically, we may provide you with information that the Company is required by law or regulation to provide you in writing (such as quarterly or annual statements, prospectuses and confirmations) (collectively, the “Required Communications”) through the mail or electronically. Required Communications are the official record of your account transactions. Other information about your accounts or the transactions you conduct using the Online Services (for example, balance information and transaction history) may only reflect activity conducted through the close of the previous business day and remains subject to adjustment and correction by us.

Registration and Access Codes

We are entitled to act on any and all instructions received through the use of your Access Codes, and you agree that the use of your Access Codes will have the same effect as your signature, including but not limited to, authorising instructions. Access Codes are for your individual use only. We may monitor your Access Codes and, at our discretion, require you to change your username, password or other security features we implement and use from time to time. However, you are responsible for the security of your Access Codes. If you believe your Access Codes have been lost or stolen or that someone may have unauthorised access to your account, you should contact us immediately at:

Telephone no.  Email

Hong Kong Branch Office +852 2506 8208 customerservicehk@transamerica.com

Singapore Branch Office +65 6212 0646 customerservicesg@transamerica.com

Bermuda Branch Office +1 441 705 8282 customerservicebm@transamerica.com

We are not responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your Access Codes or any other security or authentication technique we utilise, unless otherwise required by law. If you make your Access Codes available to others or use the Site in any manner that may damage or impair the operations or security of the Site, then you agree to defend, indemnify and hold us harmless from and against any liability, losses, damages, or costs and expenses (including attorneys' fees) arising out of, related to or resulting from, such access and related use of Online Services (including access to your online accounts). We reserve the right at our absolute discretion to block access to the Online Services for any reason, including security concerns.

Online Services Profile Updates and Communications

You agree to provide us true, accurate, current and complete information about yourself and your account during the registration process or as otherwise requested in connection with use of the Online Services, including your email address, phone number and other contact information (“Profile Information”), and to regularly update this information to maintain its completeness and accuracy. Any change that you make to your Profile Information will apply only to the account for which you make the change. If you have more than one account, you may have the option to update your Profile Information for each other account automatically.

After registering on myTLB, you will be able to view and download copies of your policy documents and/or correspondences, including but not limited to, premium notices and annual statements electronically. As part of our sustainability efforts, TLB will cease to provide hard copies to policy owners who have a myTLB account. If you have a myTLB account but would still prefer to receive hard copies, you may inform us by sending us a written request.

To the extent necessary to carry out your instructions with respect to an Online Service, you authorise us to send email, text, and/or other electronic communications to you, and other persons on your behalf. Email, text and/or other electronic communication sent to others pursuant to your instructions and on your behalf may identify you by name and may state that we are sending such communication on your behalf and according to your instructions. We may send and by using the Online Services you consent to us sending email and text messages to any email address or phone number you have provided to us. You also confirm that you have obtained the necessary consent from any third party in providing such email address or phone number to us. In addition, we may use your Profile Information (including email address) for notifications related to your account or use of the Online Services and as set forth in our Privacy Policy. We may require certain email or other communications to be conducted through secure or encrypted email. We will never ask you to send personal information such as account or identification document numbers by non-secure email.

Further, you agree that you will not use an email to the Site to request, authorise, or affect the purchase or sale of any securities or other product or service, to change your address or other account information, to change your Access Codes, to transmit personal credit information (including credit card numbers), to send fund transfer instructions, or for any other financial transactions that require formal authorisation in accordance with applicable law or our policies and procedures. We will not accept or process any requests or instructions submitted to the Site by email and are not responsible for any act or failure to act as a result of any such email communication to the Site. We are not responsible for any loss or damage that result from any unauthorised access to, or use by third parties, of any information you transmit to the Site by email.

Security

You agree to use the Online Services to access only those accounts on which you are authorised to act, and to use your own Access Codes when accessing such accounts. You are prohibited from using the Online Services to attempt to compromise security or tamper with system resources or other accounts. If you are involved in any violation of Site security or otherwise violate these Terms of Use, we may release your details to system administrators at other sites and to law enforcement authorities. We reserve the right to fully investigate suspected violations of these Terms of Use and to cooperate fully with any law enforcement authorities, regulatory authorities, or court orders requesting or directing us to disclose the identity of anyone suspected of suspicious activity, or publishing or otherwise making available any materials that are believed to violate these Terms of Use. Please review our Privacy Policy for more information about our security measures.

Transactions

We may refuse to honor any transaction initiated via an Online Service that is not in accordance with these Terms of Use or any account policy, or that we have reason to believe may not be authorised or involves funds or other property subject to a hold, dispute, restriction or legal process we believe prevents the transaction. In addition, we may refuse to honor any Online Services transaction for our or your protection. We are not responsible for the failure of any Online Services, or any transaction initiated using the Online Services, due to system maintenance or circumstances beyond our control (such as power outage, computer virus, system failure, fire, flood, earthquake or extreme weather).

Evidence of Transactions

Our records of the transactions effected through your account and your use of the electronic services, on our computer systems shall be accepted as conclusive and binding for all purposes. Your use of your account and/or passwords to access or use the Site will be recognised as your electronic signature and will be legally binding. You accept that electronic records will be admissible as original documents in any court of law, and you agree that you will not challenge or dispute the accuracy or authenticity of such records.

Viruses

There is always the possibility of unknowingly acquiring computer viruses or other malicious code (“Viruses”) through use of the Internet or third party sites or applications. It is your responsibility to scan any and all downloaded materials received from the Internet, third party sites or applications. We are not responsible or liable for any damage caused by Viruses or related hazards, whether or not that Virus or related hazard resulted from use of the Site or Online Services. You, and not the Company, assume the entire cost of all necessary servicing, repair, or correction related to Viruses.

Online Software

In the event the Online Services allows you to download certain information into software we may identify from time to time on the Site (collectively "Online Software"), you are responsible for obtaining any such Online Software and entering into, and complying with, any license agreement required in connection with the use of such software. In connection with your use of any Online Software, you understand and agree that:

• not all information in your online accounts can be downloaded into your Online Software;
• downloaded account information is not an official record; it will only reflect the account information in your online accounts at the time that you download the information and is not automatically updated;
• downloaded account information may include information you have provided to us (and for which you are solely responsible);
• we are not liable for any loss, damages or expenses of any kind as a result of your reliance upon the downloaded account information;
• you assume the risk that any downloaded account information may be accessed by unauthorized third parties;
• downloading account information is at your own risk and you are solely responsible for any damage that might occur to the computer (or other electronic device) to which you download any information, or any loss or corruption of data that might occur as a result of the downloading.

Warranty Disclaimer; Limitation of Liability

THE SITE, CONTENT AND ONLINE SERVICES ARE PROVIDED ON AN "AS IS" AND “AS AVAILABLE” BASIS, AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. YOUR ACCESS TO AND USE OF THE SITE, CONTENT AND ONLINE SERVICES IS AT YOUR OWN RISK. THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY AND/OR NONINFRINGEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED ON THIS SITE OR ANY ONLINE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE, OR THE RESULTS OF USE, OF THE CONTENT IN TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, TIMELINESS OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, NEITHER THE COMPANY NOR ITS LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, BROKERS, REPRESENTATIVES, OFFICERS, AND/OR DIRECTORS, WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES ARISING FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE, THE ONLINE ACCOUNT SERVICES OR THE CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Submissions

With respect to any comments, reviews or other content that you post, or any questions, suggestions, ideas, or other information you submit, in connection with the Site and/or certain Online Services (collectively, “Submissions”), you hereby grant us the royalty-free, perpetual, irrevocable, worldwide, nonexclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all Submissions, and to incorporate any Submission in other works, in any form, media, or technology now known or later developed. We will not be required to treat any Submission as confidential, and may use any Submission in our businesses (including without limitation, for products or advertising) without attribution and without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future operations.

You may not post, send, submit, publish, or transmit in connection with this Site any Submissions that:

• infringes any intellectual property or other right of any entity or person, including violating anyone's copyrights or trademarks or their rights of publicity or privacy, or that you do not otherwise have the right to post;
• violate any law or may be considered to violate any law; or
• include programs which contain malware, viruses, worms, and/or Trojan Horses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications systems.

Children

This Site does not intend to market any products or services to children under eighteen (18) years of age. We do not knowingly gather or solicit data from children under eighteen (18) years of age through this Site for marketing purposes. By using this Site you represent that you are not under eighteen (18) years of age.

Variation or Modification

We may at any time at our absolute discretion vary or modify any of the Terms of Use. Any changes to the Terms of Use will be posted on the Site.

Dispute Resolution

The laws of Bermuda, without regard to principles of conflict of laws, will govern these Terms of Use, our Privacy Policy and any dispute of any sort that might arise between you and the Company with respect to these Terms of Use, our Privacy Policy or your use of or access to the Site or Content (“Dispute”). You and the Company agree that the non-exclusive venue for any Dispute will be the courts of Bermuda.

Waiver

No failure or delay by us in exercising or enforcing any right or option under the Terms of Use shall operate as a waiver thereof or limit, prejudice or impair our right to take any action or to exercise any right as against you or render us responsible for any loss or damage arising therefrom.

Miscellaneous

If any part of these Terms of Use is unlawful, void or unenforceable under applicable law, that part will be deemed severable and will not affect the validity, legality or enforceability of any remaining provisions. These Terms of Use and the Consent to do Business Electronically (which must be accepted by you in order to use the Online Services, if applicable) constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Site will govern the items to which they pertain.

This Site is for customer use only. The material presented on this Site is for informational purposes only and should not be construed as tax or legal advice, nor should it be used as the basis for such advice.