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The works of authorship contained in the Website (the "Website"), including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Associates Underwriting Limited, L.L.C. (“AUL LLC”), or one of its affiliates. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed, licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without AUL LLC's prior written consent, except to the extent permitted by the Fair Use provision of the Copyright Act of 1976 (17 U.S.C. § 107), and then, only with notices of AUL LLC's proprietary rights.  Subject to, and without waiving, this reservation of rights, you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in such information.