PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. THEY GOVERN YOUR USE OF WWW.AEGONAM.COM, INCLUDING ALL PARTS, SUBPAGES AND CONTENT (COLLECTIVELY, THIS "WEBSITE").

BY ACCESSING AND USING THIS WEBSITE AND/OR ANY OF ITS CONTENT (AS DEFINED BELOW), OTHER THAN FOR THE SOLE PURPOSE OF REVIEWING THESE TERMS AND CONDITIONS OF USE, YOU ARE INDICATING THAT YOU UNDERSTAND, ACKNOWLEDGE AND ACCEPT, AND AGREE TO, THESE TERMS AND CONDITIONS OF USE.

THESE TERMS AND CONDITIONS OF USE ARE SUBJECT TO CHANGE, UPDATE AND/OR REVISION (COLLECTIVELY "CHANGE") AT ANY TIME, WITHOUT NOTICE. BY ACCESSING AND USING THIS WEBSITE AND/OR ANY OF ITS CONTENT AFTER ANY SUCH CHANGE, OTHER THAN FOR THE SOLE PURPOSE OF REVIEWING CHANGES TO THESE TERMS AND CONDITIONS OF USE, YOU ARE INDICATING THAT YOU UNDERSTAND, ACKNOWLEDGE AND ACCEPT, AND AGREE TO, SUCH CHANGE. YOU SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE MOST CURRENT TERMS AND CONDITIONS OF USE.

IF YOU DO NOT AGREE TO OR CANNOT COMPLY WITH ANY OF THESE TERMS AND CONDITIONS OF USE, INCLUDING ANY CHANGES THERETO, YOU MUST IMMEDIATELY EXIT THIS WEBSITE AND MAY NOT ACCESS OR USE THIS WEBSITE OR AND OF ITS CONTENT.

For purposes of these Terms and Conditions of Use, "the Company" means AEGON USA Investment Management, LLC AEGON USA Realty Advisors, LLC.

Table of Contents

General Restrictions of Use

Proprietary Nature of Website and Content

• Scraping
• Trademarks, Service Marks and Copyrights
• Third Party Websites
• Viruses & Other Risks
• Warranty Disclaimers and General Limitations of Liability
• Indemnity
• We Are Not Providing Investment Advice, Soliciting Offers or Selling
• No Representation as to Suitability
• U.S.-Based Website and Services; Availability
• E-Mail
• Children
• Miscellaneous

Proprietary Nature of Website and Content

Except for information and other material of Third Parties and Third Party Websites (as defined below), including Third Party performance of mutual funds or sub-accounts, this Website (including graphics, images, video and audio files, data, information, reports, material and all other content displayed on, accessible on or generated by this Website (the "Content")), and all other Websites owned, operated, licensed, or controlled by the Company, is proprietary material of the Company and its respective licensors protected by copyright, and the Company or its licensor retains all right, title, and interest therein and thereto. You may not copy, reproduce, perform, display, distribute, republish, upload, post, sell, license, transmit, or create derivative works of this Website or its Content without the prior written consent of the Company, which may be withheld in its sole discretion, except that you may make an electronic or paper copy of individual items of Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, service mark, notice, legend or disclosure appearing on or associated with such Content. Modification or use of Content except as expressly provided in these Terms and Conditions of Use violates the Company's or its licensor's intellectual property rights. Neither title nor intellectual property rights are transferred to you by your use of or access to this Website or its Content. All rights not expressly granted to you in these Terms and Conditions of Use are reserved and retained by the Company and its respective licensors.

Scraping

Scraping refers to extracting, copying or otherwise collecting this Website and its Content via an automated process, such as a robot or web crawler, for any purpose. Scraping is not permitted, except to index public-facing portions of this Website and its Content for an Internet search engine.

Trademarks, Service Marks and Copyrights

“Aegon” and the stylized Aegon logo are trademarks and servicemarks of Aegon Ltd.; TRANSAMERICA, the Transamerica Pyramid building, and Transamerica Pyramid logo are trademarks of Aegon Ltd. and the Transamerica Corporation, and their respective affiliates and subsidiaries; and “Aegon Asset Management”, including derivations and stylized logos thereof, are trademarks and servicemarks of the Company and Aegon Ltd. Unless otherwise specifically noted, all other images, trademarks, service marks, logos, and icons displayed on this Website are the property of the Company or its licensors and may not be used without the Company's prior written consent. The Company and its licensors retain all rights with respect to any of their respective trademarks, service marks, and logos appearing on this Website. Any unauthorized use of the images may violate copyright, trademark, privacy and publicity laws and regulations.

Third Party Websites

This Website may include references to persons and companies other than the Company (including affiliates and subsidiaries of Aegon Ltd and to other unaffiliated persons and companies (collectively, “Third Parties”), including hyperlinks to other websites ("Third Party Websites"). Third Party Websites are not maintained by, related to, or sponsored or affiliated by, the Company and are provided as a service and convenience to you. The Company has not reviewed Third Party Websites and is not responsible for their content. Third Party Websites are to be accessed at your own risk, and the Company makes no representations or warranties about the content, or the completeness, accuracy or security of Third Party Websites. A hyperlink to a Third Party Website or its content or sponsoring organization is not a recommendation regarding, or an endorsement of the Third Party Website or its content or sponsoring organization. Furthermore, the Company shall not be liable for any direct or indirect computer system damage or other problems you may incur as a result of clicking on a link to, otherwise accessing any Third Party Website or its content.

Personal Data Privacy Please see our Privacy Statement for information about the Company’s personal data collection and processing activities and for information on how to contact us regarding privacy matters. If you are a California resident, please also refer to the Company’s California Consumer Privacy Act Disclosure & Statement of Rights for more privacy-related disclosures and additional information about your privacy rights and our privacy practices.

Cookies For information about the Company’s use of cookies on this Website, please see our Cookie Statement.

Viruses & Other Risks

Whenever you use the internet, there is always the possibility of being exposed to, infected by or otherwise impacted by viruses, worms, Trojan Horses, or other malicious code, disabling devices and harmful components (collectively “Viruses”). The Company does not promise or guarantee that this Website (including Content available for download and technical infrastructure that supports the Website and its Content, such as servers and networks), Third Party Websites or the Internet generally will be free of Viruses. The Company shall not be responsible for your use of this Website and its Content, Third Party Websites (including products or services of or hypertext links or other referrals to Third Party Websites), the Internet generally, or for any breach of security associated with your access to or use of this Website or its Content or your transmission of sensitive information to or through this Website or any hyperlinked or other referred websites. The Company is not responsible or liable for any damage, injury or loss causes by Viruses, whether or not resulting from your access to or use of this Website or its Content. You are responsible to implement administrative, technical and organizational measures as may be necessary to protect you against Viruses and related damage, injury and loss. 

YOUR ACCESS TO AND USE OF THIS WEBSITE AND ITS CONTENT, AS WELL AS THIRD PARTY WEBSITES, IS AT YOUR OWN RISK. THE WEBSITE AND ITS CONTENT IS PROVIDED ON AS "AS IS" AND “AS AVAILABLE” BASIS. AT ANY TIME, AND WITHOUT NOTICE, THE AVAILABILITY, OPERATION, FUNCTION OR CONTENT OF THIS WEBSITE MAY BE IMPAIRED, RESTRICTED, INTERRUPTED, DEFECTIVE OR ERRONEOUS. SUCH MATTERS MAY NOT BE IDENTIFIED OR CORRECTED IN A TIMELY MANNER OR OTHERWISE. THE WEBSITE OR ITS CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND THE COMPANY MAY MAKE CHANGES AT ANY TIME.

If you have agreed to the electronic delivery of documents or conduct business electronically with the Company, the Company may, at its discretion, make certain documents required by regulatory authorities, including but not limited to, the Securities and Exchange Commission (the SEC), Financial Industry Regulatory Authority (FINRA) or state departments of insurance, available for download or access electronically or via e-mail (such documents may include quarterly or annual statements, prospectuses and confirmations) (collectively, the “Required Documents”).

The Content, excluding the Required Documents, is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by the Company. Account information, other than the Required Documents, available on this Website is not the official record of your account. Investors, borrowers, and other persons should use the Content in the same manner as any other informational medium and should not rely on the Content, excluding the Required Documents, to the exclusion of their own professional judgment. Information obtained by using this Website is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals and objectives. Nothing on this Website should be construed as rendering tax, legal, investment, or accounting advice.

All of the information on this Website, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this Website, and the Company does not undertake any obligation to update such information after it is posted or to remove such information from this Website if it is not, or is no longer, accurate or complete. All Content, together with information filed and furnished with the Securities and Exchange Commission and any oral information provided by the Company's executives that relates to the Company's future performance or financial results are considered forward-looking statements. These forward-looking statements involve uncertainties that could cause actual performance or results to materially differ, and users are cautioned not to place undue reliance on them. All forward-looking statements should be read in conjunction with the additional information about risks and uncertainties set forth in our Securities and Exchange Commission reports, including any annual report.

Warranty Disclaimers and General Limitations of Liability

EXCEPT TO THE EXTENT PROHIBITED OR OTHERWISE PROVIDED BY LAW, AND IN ADDITION TO ALL OTHER DISCLAIMERS AND LIMITATIONS OF LIABILITY IN THESE TERMS AND CONDITIONS OF USE, YOU AGREE TO THE FOLOWING:

THIS WEBSITE AND ITS CONTENT IS PROVIDED, AND ACCESS TO AND USE OF THIS WEBSITE AND ITS CONTENT IS MADE AVAILABLE AND PERMITTED, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY OR NONINFRINGEMENT. THE COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, TIMELINESS OR OTHERWISE. THE COMPANY SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE WEBSITE OR ITS CONTENT.

YOU, AND NOT THE COMPANY, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM ACCESSING OR USING THIS WEBSITE OR ITS CONTENT.

TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, THE COMPANY, ITS SUBSIDIARIES, AFFILIATES, PARENT COMPANIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS SHALL NOT BE LIABLE FOR ANY ACTUAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, LOSS OF PRINCIPAL, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES THAT RESULT FROM ACCESSING OR USING, OR THE INABILITY TO ACCESS OR USE, THIS WEBSITE OR ITS CONTENT, EVEN IF THE FORGOING HAVE 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 WILL THE COLLECTIVE LIABILITY OF THE COMPANY AND THEIR SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE LESSER OF $100 OR THE AMOUNT YOU HAVE PAID FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE.

CERTAIN LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF PROHIBITED BY APPLICABLE LAW, SOME OR ALL OF THE ABOVE WAIVERS, DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS SHALL NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS IN ACORDANCE WITH, OR AS SET FORTH UNDER, SUCH APPLICABLE LAWS.

Indemnity

You will indemnify and save the Company, its parents, subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the "Indemnified Parties") harmless from any breach of these Terms and Conditions of Use by you or anyone acting on your behalf or at your direction, including any use of this Website or its Content other than as expressly authorized in these Terms and Conditions of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify the Indemnified Parties against any and all resulting losses, damages, judgments, awards, costs, expenses, and attorneys' fees in connection therewith. You will also indemnify and save the Indemnified Parties harmless from and against any claims brought by third parties arising out of or related to your use of the Content accessed from this Website.

We Are Not Providing Investment Advice, Soliciting Offers or Selling

The Content of this Website does not constitute investment advice, and is not an offer to sell or a solicitation to buy any security or investment product or strategy. All securities, investment and other transactions require signed agreements between the Company and its clients/customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of this Website constitutes your agreement to the additional Terms and Conditions of Use applicable to such use. In addition, any prospectus information available on this Website is posted for informational purposes only and is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

No Representation as to Suitability

The Company makes no representation as to the financial or other suitability of any product described on this Website for any user. In order to evaluate whether a particular product is suitable for your financial needs, you should contact a qualified financial professional. The posting of any prospectus or any other information on this Website should not be interpreted as a recommendation or opinion that you should make any purchase or sale or participate in any transaction.

U.S.-Based Website and Services; Availability

This Website is controlled by the Company from its offices within the United States. The Company and its parents, affiliates and subsidiaries are not authorized to do business in every jurisdiction. Except as otherwise stated, the Company makes no representation that this Website or its Content (including any referenced products or services) is permissible, appropriate or available for use in other jurisdictions. You are always responsible for your compliance with applicable laws and regulations, including but not limited to compliance with the laws and regulations of your local jurisdiction regarding the import, export, or re-export of any Content. You may not use or export the materials in this Website in violation of U.S. export laws and regulations.

Access to and use of this Website and its Content from jurisdictions where such access and use is illegal is prohibited. If you choose to access and use this Website and its Content in and from jurisdictions outside of the United States, you do so at your own risk with respect to any resulting legal or regulatory consequences. By downloading any Content, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. 

Content on this Website may contain references or cross-references to products, programs, strategies or services that are not available in your jurisdiction. Consult your qualified financial professional for information about the products, programs strategies and services that may be available to you.

E-Mail

This Website includes information on how to contact us via email. You agree you will not use non-secured or unencrypted email to transmit to us any confidential or sensitive communication, information or documents, including but limited to the examples listed below, unless the Company has requested that you do so and you and the Company have made arrangements for the safe and secure transmission of that information or documents (for example, through secure or encrypted email):

• transmission of sensitive personal information (for example, social security number, financial information / account number, government-issued identification).
• to request, authorize, or affect the purchase or sale of any securities or other product or service
• to send fund transfer instructions;
• or for any other financial transactions that require formal authorization in accordance with applicable law or the Company's policies and procedures.

Any email sent to us in violation of the above requirements may be rejected or not accepted, acknowledged or processed, in the Company’s sole discretion without notice to you and without liability to the Company for any resulting loss or damage. Further, the Company shall have no liability for any loss or damage that results from interception and/or unauthorized use by third parties of any email you send or attempt to send to the Company in violation of the above requirements.

Also, once you have requested information from the Company via email, you agree that the Company may communicate with you via email regarding your request and other matters, including sending unsolicited advertisements and other marketing communications to you. If the Company sends you unsolicited advertisements and other marketing communications via email, it will include instructions on how to opt-out of receiving such email advertisements in the future. If you elect to opt-out of receiving e-mail advertisements, the Company will continue to send you non-advertisement emails as stated above. It is your responsibility to maintain accurate records with the Company and to update your email address if it changes. This paragraph does not apply to communications to the Company regarding our personal data collection and processing activities and other privacy matters, including the right of California residents to opt out of the sale and sharing of their personal data by the Company and to request deletion or correction of their personal data. DMCA Notice

In accordance with the U.S. Digital Millennium Copyright Act (“DMCA”), Pub. L. 105-304, the Company has designated an agent to receive notification of alleged copyright infringement occurring on this Website, including the Aegonam.com domain. If you believe that your copyrighted work is being infringed, notify our designated agent specified below.

Aegon Asset Management

Attn: US Head of Legal & Regulatory

6300 C Street SW

Cedar Rapids, IA 52499

The Digital Millennium Copyright Act requires that all infringement claims must be in writing and must include the following information:

• A physical or electronic signature of the copyright owner or the person authorized to act on its behalf
• A description of the copyrighted work(s) you believe to have been infringed
• A description of the infringing material and information reasonably sufficient to permit us to locate the material
• Your contact information (including your address, telephone number, and email)
• A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law
• A statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner

Upon receipt of a notice of claimed infringement that satisfies these requirements (or any statement in conformance with 17 U.S.C. Sec. 512(c)(3)), the Company will act expeditiously to remove or disable access to any content that is claimed to be infringing upon the copyright of any person under the laws of the United States and will terminate the access privileges of those who repeatedly infringe on the copyrights of others. United States law imposes substantial penalties for falsely submitting a notice of copyright infringement.

Children

This Website does not intend to market any products or services to children under thirteen (13) years of age. The Company does not knowingly gather or solicit data from children under thirteen (13) years of age through this Website for marketing purposes. By using this Website you represent that you are not under thirteen (13) years of age.

Miscellaneous

These Terms and Conditions of Use will be governed and interpreted pursuant to the laws of the state of Iowa, United States of America, notwithstanding any principles of conflicts of law. In connection with any dispute between you and the Company arising out of or relating to the Website, its Content or these Terms and Conditions of Use, you specifically consent to personal jurisdiction in Iowa, and agree that the exclusive venue for any dispute between you and the Company will be in the state or federal courts having jurisdiction within Cedar Rapids, Iowa.

The Company reserves the right (1) to monitor access to and use of this Website and its Content to ensure compliance with these Terms and Conditions of Use and to protect the Website, its Content, the Company and its employees, and (2) to seek any remedy available at law or in equity for any actual or suspected violation of these Terms and Conditions of Use and to take such other action as the Company may otherwise determine in its sole discretion is appropriate to protect the Website, its Content, and the Company and its employees, including restricting or prohibiting access to and use of the Website and its Content from a particular Internet address or location.

If you are involved in any actual or suspected violation of the security or integrity of this Website or its Content, or other violation of these Terms and Conditions of Use, the Company may release your details to system administrators at other websites and to federal or state law enforcement officials. The Company reserves the right to fully investigate suspected violations of these Terms and Conditions 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 and Conditions of Use.

If any part of these Terms and Conditions of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

The Company may make Changes to these Terms and Conditions of Use at any time, without notice. Your access to and use of this Website after any such Change constitutes your acknowledgement and acceptance of such Change.

These Terms and Conditions of Use constitute the entire agreement between the Company and you with respect to your access to and use of and access to this Website and its Contents. You must commence any claim or cause of action you may have with respect to your access to and use of this Website and its content, or any matter arising out of or related to these Terms and Conditions of Use, within one (1) year after the claim or cause of action accrues without regard to the date of discovery by you such claim or cause of action or the facts upon which it is premised.

Last revised June 2025.

© Aegon Asset Management. All rights reserved.

This Website may only by accessed and used via commercially and publicly available internet browsers to learn and obtain publicly-available information about the Company, including our capabilities, products, strategies, services, executives and employees, clients, investors and employment opportunities; to read publications, disclosures, regulatory filings and other Content (as defined below) we make available; and for such other purposes and in such other ways as may be expressly permitted by this Website and these Terms and Conditions.

Without the express prior written consent of the Company, you shall not (and shall not permit anyone else on your behalf or at your direction to) access, use or direct activity at, or attempt to access, use or direct activity act, this Website or its Content for any other purpose or in any other manner, whether intentional or not, including but not limited to:

• any illegal, malicious or harmful purpose or manner (including uploading, transmitting or distributing Viruses);
• any purpose or manner prohibited under these Terms and Conditions of Use or any other restriction set forth else in this Website;
• any purpose or manner that does or attempts to alter or damage the Website or its Content, degrade, restrict, interfere with, or prevent access to, use of, availability of or functioning of the Website and its Content (including denial-of-service attacks and excessive usage), or cause harm or injury to the Company or its employees, affiliates, subsidiaries and parent companies; or
• co-branding, framing or hyperlinking to this Website or its Content.

For purposes of these Terms and Conditions of Use, "co-branding" means to display a name, logo, trademark, or other means of attribution or identification of any party, in a manner that is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this Website or Content accessible within this Website.

You agree to cooperate with the Company in ceasing any such unauthorized activity. Actual or attempted access to and use of this Website and its Content is subject to all applicable laws and regulations.