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Disclaimer Notice:
Please read the following terms and conditions carefully. By accessing this site you agree to be bound by these terms and conditions.
Laws and Regulations
Access to and use of this site is subject to applicable federal, state and local laws and regulations.
Copyright
The site content is protected by copyright. All rights in the pages, site content and arrangement are owned by the AEGON companies or their licensors. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works for using any site content for commercial or public purposes.
Trademarks and Service Marks
As used herein, the 'AEGON companies' means the AEGON N.V. Group, its business units, subsidiaries and affiliates. The trademarks, service marks and logos ("marks") appearing on the site are the property of the AEGON companies and other parties. Users are prohibited from using any of the marks without the prior written consent of the AEGON companies or the third party owners of such marks.
No warranty
The AEGON companies expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential or special damages arising out of or in any way connected with your access to or use of the site, whether or not the AEGON companies were aware of the possibility of such damages.
Limitation of Liability
All information on the site, including but not limited to graphics, text and links to other sites, is provided "as is" and is subject to change without prior notice. Such information is provided without warranty of any kind express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices.
Information on the site may include references to products or services not offered in your state or country or not available for purchase over the internet in your state or country. Such references do not imply that the AEGON companies will make those products or services available in your state or country.
The AEGON companies do not warrant the adequacy, accuracy or completeness of any information on the site and expressly disclaim any liability for errors or omissions therein. You are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on the site. Other than as required by applicable consumer protection law or insurance law, under no circumstances will the AEGON companies be liable for any loss that you incur as a result of your reliance on information obtained through the site.
Linked Internet Sites
The AEGON companies are not responsible for the content of any other internet sites linked to the site. A link to another site does not imply that the AEGON companies endorse the site or any products or services that it describes. Your access to and use of any other internet sites linked to or from this site is at your own risk and the AEGON companies assume no obligation or liability in connection therewith.
Investor relations
In no way does the provision of information on the AEGON site imply any investment endorsement or recommendation. Investors must satisfy themselves as to the accuracy of information supplied and neither management nor the company's site can be held liable for inaccuracies or for any losses resulting from investment in companies whose details appear on these pages.
Disclaimer U.S.A.
AEGON Financial Services Group, Inc., a member of the AEGON Insurance Group, and its affiliates, provides parts of this site and related services subject to your compliance with the terms and conditions set forth below. Please read the following information carefully:
Copyright Information
All relevant pages within this Internet site ("Site") are the property of AEGON Financial Services Group, Inc. and/or its affiliates. No portion of the materials on these pages may be reprinted or republished in any form without the express written permission of AEGON Financial Services Group, Inc.
Trademark Notice
"AEGON" and "AEGON Insurance Group" logo are trademarks and service marks of AEGON USA, Inc. All other trademarks, service marks and logos used in this Site are the trademarks, service marks or logos of their respective owners.
Warranty Disclaimer
This site, including any content or information contained within it or any Site-related service, is provided "as is" with no representations or warranties of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. You assume total responsibility and risk for your use of this Site and Site-related services.
AEGON Financial Services Group, Inc, its affiliates and its sponsors are neither responsible nor liable for any direct, indirect, incidental, consequential special, punitive, exemplary or other damages arising out of or relating in any way to the Site, Site-related services and/or content or information contained within the Site. Your sole remedy for dissatisfaction with the Site and/or Site-related services is to stop using the Site and/or those services.
Although AEGON attempts to ensure the integrity and accuracy of the Site, it makes no guarantees whatsoever as to the correctness or accuracy of the Site. It is possible that the Site could include inaccuracies or errors, and that unauthorized additions, deletions and alterations could be made to the Site by third parties. In the event that an inaccuracy arises, please inform AEGON so that it can be corrected.
Miscellaneous
This Agreement is entered into in the State of Iowa and shall be governed by and construed in accordance with the laws of the State of Iowa, exclusive of its choice of law rules. Each party to this Agreement submits to the exclusive jurisdiction of the state and federal courts sitting in the County of Linn in the State of Iowa, and waives any jurisdictional, venue, or inconvenient forum objections to such courts. In any action to enforce this Agreement, the prevailing party will be entitled to costs and attorneys fees. In the event that any of the provisions of this Agreement are held by a court or other tribunal of competent jurisdiction to be unenforceable, such provisions shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect.This Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto are expressly cancelled. AEGON Financial Services Group, Inc. may modify the terms of this Agreement by posting notice of such modification on a page of the Site entitled "Legal Notices" or "Legal Information" (or similar title) before the modification takes place.
Disclaimer Annual Report 2002
Forward-looking statements
The statements contained in this annual report that are not historical facts are forward-looking statements as defined in the U.S. Private Securities Litigation Reform Act of 1995. Words such as "believe", "estimate", "intend", "may", "expect", "anticipate", "predict", "project", "counting on", "plan", "continue", "want", "forecast", "should", "would", "is confident" and "will" and similar expressions as they relate to us are intended to identify such forward-looking statements. These statements are not guarantees of future performance and involve risks, uncertainties and assumptions that are difficult to predict. We undertake no obligation to publicly update or revise any forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of their dates.
All forward-looking statements are subject to various risks and uncertainties that could cause actual results to differ materially from expectations, including, but not limited to, the following:
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consolidate activities on production platforms to maintain cost leadership and improved customer service; |
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changes in general economic conditions, particularly in the United States, The Netherlands and the United Kingdom; |
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changes in the performance of financial markets, including emerging markets, including: |
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the frequency and severity of defaults by issuers in our fixed income investment portfolios; and |
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the effects of corporate bankruptcies and/or accounting restatements (such as Enron and WorldCom) on the financial markets and the resulting decline in value of equity and debt securities we hold; |
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the frequency and severity of insured loss events; |
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changes affecting mortality, morbidity and other factors that may affect the profitability of our insurance products; |
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changes affecting interest rate levels; |
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changes affecting currency exchange rates, including the euro/US dollar and euro/UK pound exchange rates; |
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increasing levels of competition in the United States, The Netherlands, the United Kingdom and emerging markets; |
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changes in laws and regulations, particularly those affecting our operations, the products we sell and the attractiveness of certain products to our consumers; |
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regulatory changes relating to the insurance industry in the jurisdictions in which we operate; |
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acts of God, acts of terrorism and acts of war; |
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changes in the policies of central banks and/or foreign governments; |
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customer responsiveness to both new products and distribution channels; |
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competitive, legal, regulatory, or tax changes that affect the distribution cost of or demand for our products; and |
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our failure to achieve anticipated levels of earnings or operational efficiencies as well as other cost saving initiatives. |
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