TERMS AND CONDITIONS OF WEBSITE USE

Reliance Worldwide Investments, LLC ("RWI") PROVIDES ALL INFORMATION AND MATERIALS ON THIS WEB SITE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS. IF THESE TERMS AND CONDITIONS ARE NOT ACCEPTABLE IN FULL, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS SITE.

INVESTORS ARE ADVISED THAT ANY PRODUCTS AND SERVICES DISCUSSED ON THIS SITE ARE NOT AVAILABLE IN ALL STATES. RWI RESERVES THE RIGHT TO REQUIRE PROOF OF RESIDENCE FROM ANY USER ACCESSING THIS SITE AND REQUESTING INFORMATION.

Content of RWI's Web Site: RWI's official Internet Web site ("Site") is intended to provide RWI clients and other investors with general information regarding investing and planning, and other specific information and data, such as stock quotes, news, market commentary, and information pertaining to RWI client accounts. This Site is provided for informational purposes only and does not constitute an offer to sell nor a solicitation of an offer to buy any product or service referenced in this Site. The information provided on this Site is for personal, non-commercial use. RWI is not providing specific investment advice to any individual viewing the content of the Site and does not represent that the services or investment information contained herein are suitable for any specific investor. Investors are advised not to rely on any information contained in this Site in the process of making a fully informed investment decision. Users of the Site should contact a RWI Financial Advisor before making any investment decisions. RWI does not provide tax or legal advice through this Site.

Information contained on this Site, including pricing, valuation, and commentary on specific securities, reflects the authors' analysis and other information available as of the publication date indicated. It is designed to provide a general, educational overview with regard to the subject matters covered, and is not state specific. RWI does not guarantee the accuracy, completeness or timeliness of such information and such information is subject to change. RWI is under no obligation to update the information to reflect changes after the publication date. Furthermore, quotations, news, opinions, commentaries, recommendations, data, pricing and all other information contained on this Site are believed to be reliable, but RWI cannot and does not guarantee its accuracy, timeliness or completeness. The authors, publisher and host are not providing legal, accounting or investment advice specific to your investment needs and/or circumstances, and therefore should not be relied upon for such purposes.

Notice for Non-U.S. Investors: This Site has been published in the United States for residents of the United States. This Site is not intended for use by, or to provide any information to, investors outside of the United States. Investors outside of the United States may be subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this Site. No investment advisory service, or other product or service will be offered or sold in any jurisdiction in which such offer, solicitation, purchase or sale would be contrary to the securities laws or other local laws and regulations.

Nothing on this Site shall be construed to be a solicitation to buy or an offer to sell any product or service to any non-US investor, nor shall any such product or service be solicited, offered or sold in any jurisdiction where such activity would be contrary to the securities laws or other local laws and regulations, or would subject RWI or any of its affiliates to any registration requirement within such jurisdiction.

Site Ownership and Restrictions on Use: RWI and/or its licensors own all rights, title and interest in and to the data, text, graphics and other materials ("Materials") appearing on and/or generated by this Site, including all copyright, trademark and other intellectual property rights therein. By accessing this Site, you hereby agree that you will not copy, download, store, reproduce or further transmit or distribute any trade marked data or information for commercial purposes in any type of format or by any means, including but not limited to the Internet, Intranet or other type of network and that you will not use any trade marked data or information as the basis of financial instruments or investment products.

Except as otherwise provided for herein, you may view, download, print or distribute Materials for your personal and non-commercial use only, provided you do not obscure or remove any copyright or other notices. You may not otherwise copy, publish, display, distribute, commercially exploit, modify, reverse engineer, disassemble, translate, adapt, create derivative works from, transfer or sell in any form or by any means any portion of this Site (including, but not limited to, any Materials), any underlying computer code or other aspects of the Site. The Data displayed on the Internet is delayed and is neither streaming nor automatically refreshed.

Prohibited Use: As a condition of your use of the Site, you agree that you will not use the Site for any purpose that is unlawful or prohibited by the applicable terms and conditions. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through this Site.

Important Restrictions on E-Mail Communication: This Site enables you to electronically communicate by sending electronic ("e-mail") messages to RWI and/or its employees and financial advisors. In your use of this Site, you agree not to use e-mail to give RWI any instruction for your account(s) to place orders to purchase or sell a security or to transfer funds. You may not use e-mail to provide RWI with any other personal credit information, to give notice of a change of address, to give instructions to change or confirm your password, or to give RWI any time-sensitive instructions. RWI shall not be responsible for following the instructions of such e-mail instructions, regardless of when RWI receives them, and cannot guarantee it will take any action as a result of having received such instructions. RWI shall not be liable for any actions taken or any omissions to act as a result of any e-mail message(s) sent to RWI and/or its employees and financial advisors.

Modifications to the Site and to the Terms and Conditions: RWI reserves the right at any time to modify or discontinue on a temporary or permanent basis the operation of this Site and/or any information, products and/or services available on this Site without notice.

RWI also reserves the right at any time to modify these Terms and Conditions and any other applicable terms and conditions to your use of the Site. Such modifications will be made on the applicable Site pages. It is your responsibility to review these Terms and Conditions and any other notices on the Site on a regular basis to identify any such modifications. Your continued use of the Site serves as your acknowledgement and agreement to observe the applicable terms and conditions. RWI does not have any obligation to notify you of any changes made to the terms and conditions of this Site, other than in the manner described.

Links to Other Web Sites: As a convenience to you, this Site may provide links to other Web sites. The inclusion of any such link does not imply any type of endorsement by RWI of the linked site, its operators or any of the content, advertising, information, links, products, services or other material available on or through such sites. RWI has no control over the linked sites and is not responsible or liable for any content, advertising, information, links, products, services or other materials available on such sites. RWI is not responsible for the privacy practices of these linked sites. RWI shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, advertising, information, links, products, services or other material available on or through any such linked site.

Disclaimer and Limitation of Liability: RWI AND ITS DATA PROVIDERS ACCEPT NO RESPONSIBILITY FOR AND MAKE NO WARRANTIES OF ANY KIND REGARDING THE SUITABILITY, RELIABILITY, COMPLETENESS, AVAILABILITY, TIMELINESS, OR ACCURACY OF THE INFORMATION AVAILABLE ON OR THROUGH THIS SITE, AND CANNOT ASSUME OR BE RESPONSIBLE FOR ANY FINANCIAL RESULTS BASED ON THE USE OF SUCH INFORMATION. ANY QUOTATIONS OR OTHER PRICING INFORMATION PROVIDED ON THIS SITE MAY BE DELAYED OR OUTDATED AND MAY NOT REFLECT THE PRICES AT WHICH A QUOTED SECURITIES MAY BE BOUGHT OR SOLD.

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 WITH REGARD TO USE OF THE SITE AND ANY INFORMATION AVAILABLE ON OR THROUGH THE SITE EITHER EXPRESS OR IMPLIED, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE, SITE-RELATED SERVICES, AND HYPERLINKED SITES. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY RWI OR RWI'S FINANCIAL ADVISORS SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE SCOPE OF THIS WARRANTY.

IN NO EVENT SHALL RWI OR ITS DATA PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL OR ANY OTHER DAMAGES WHATSOEVER ARISING OUT OF OR IN ANY WAY CONNECTED WITH (1) THE USE OR PERFORMANCE OF THE SITE OR ANY HYPERLINKED SITE, (2) THE DELAY OR INABILITY TO USE THE SITE IN WHOLE OR IN PART, (3) ANY RELIANCE BY YOU ON INFORMATION PROVIDED ON OR THROUGH THIS SITE OR ANY HYPERLINKED SITE, OR ON THE RELIABILITY, ACCURACY, COMPLETENESS, SEQUENCE OR TIMELINESS THEREOF, (4) ANY USE BY YOU OF E-MAIL, OR (5) TERMINATION OR MODIFICATION BY RWI OF THE SITE OR ANY SERVICES OR INFORMATION PROVIDED THEREON, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF RWI OR ITS DATA PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

IN ADDITION TO AND WITHOUT LIMITING THE FOREGOING, RWI SHALL NOT BE LIABLE FOR ANY HARM CAUSED BY THE TRANSMISSION, VIA USE OF THE SITE, OF A COMPUTER VIRUS OR OTHER COMPUTER CODE OR PROGRAMMING DEVICE THAT MIGHT ACCESS, MODIFY, DELETE, DAMAGE, CORRUPT, DEACTIVATE, DISABLE, DISRUPT, OR OTHERWISE IMPEDE IN ANY MANNER THE OPERATION OF ANY OF YOUR SOFTWARE, HARDWARE, DATA OR PROPERTY.

IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS AND CONDITIONS OF USE OF THE SITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS SITE.

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