The use of this Pan-American Life system is restricted to authorized users only. Unauthorized access, use, or modification of this computer system or of the data contained herein or in transit to/from this system may constitute a violation of criminal and civil laws. These systems and equipment are subject to monitoring to ensure proper performance of applicable security features or procedures. Such monitoring may result in the acquisition, recording and analysis of all data being communicated, transmitted, processed or stored in this system by a user. If monitoring reveals possible evidence of criminal activity, such evidence may be provided to law enforcement personnel. ANYONE USING THIS SYSTEM EXPRESSLY CONSENTS TO SUCH MONITORING AND DISCLOSURE.