In consideration of Guardian Life (including its affiliated companies, collectively, "MedeCus," "we," "us" or "our") providing you access to our Internet web site ("Site") and the information, documents, research reports, data, features, functionalities and other materials on our Internet web site, as well as the ability to conduct securities and other transactions through our Site (collectively, and as such may be revised from time to time by us, the "Content"), you (which term, as used herein, includes you personally and the company or other organization on whose behalf we grant you access to the Site) hereby agree to the following terms and conditions (this "Agreement").

This Agreement is in addition to, and does not nullify, any other agreement between you and us governing the conduct of your relationship with us (collectively, "Customer Agreement") or any other applicable terms and conditions found on the Site. You agree to comply with all rules or restrictions that are posted on the Site.