This website is sponsored by Fiserv Trust Company ("Fiserv Trust"). PLEASE READ THE TERMS OF THIS AGREEMENT CAREFULLY; THEY ARE THE TERMS THAT GOVERN YOUR USE OF THIS WEBSITE. BY USING THE WEBSITE YOU ARE AGREEING TO ACCEPT AND BE LEGALLY BOUND BY THE AGREEMENT. (If you do not agree with the terms of the Web User Agreement, simply leave the Website and refrain from using it.)

For purposes of this Agreement, "you" means any person or entity contacting and using this Website, any person or entity obtaining a password for the password-protected areas of the Website, and any other persons or entities authorized to use your account. "Content" means any and all information, services, hyperlinks, or other audio, visual, graphic, textual or other form of material or data displayed on the Website. You agree to ensure that other parties using your account abide by the terms and conditions of this Agreement and you assume responsibility for any breaches of this Agreement by any such persons or entities.

This Agreement between you and Fiserv Trust states the terms and conditions of your use of the Website. You agree to use this service offered by Fiserv Trust in accordance with this Agreement. Fiserv Trust may modify this Agreement at anytime with notice to you.

Personal Identification Number

You understand that you inquire about your Account or provide investment direction through the Website. You understand that a Personal Identification Number (PIN) and/or password will automatically be assigned to your account until you log in for the first time, at which time you are required to establish your own PIN or password. You understand that when accessing your account via the Website, you must provide Fiserv Trust with your Password and social security number for identification purposes. You agree to keep your Password and social security number confidential so unauthorized transactions cannot be made in your account. You agree that Fiserv Trust is not responsible for determining whether a Website user is authorized, other than verifying that such person is using the PIN or password for your Account. You also agree to notify Fiserv Trust immediately of any unauthorized transactions in your account. Fiserv Trust will not be responsible for any unauthorized transactions in your account.

Risks Associated With Submitting Requests via the Internet

Fiserv Trust Company strives to keep the Website available on a continuous basis. However, as with all computer software systems, periodic upgrades and other service will sometimes be required. In addition, telecommunications links that are necessary to operate the Website are maintained by third parties, and Fiserv Trust has no control over the ability of such external systems to remain in operation without disruption. Thus, access to your account over the Internet may be limited or unavailable. You acknowledge that the Website may be occasionally unavailable due to such periodic maintenance or to other unexpected interruptions, and Fiserv Trust is not responsible for inaccessibility during such downtimes. In the event the Website is unavailable, you may access your Account through the automated Voice Response Unit (VRU).

Hyperlinks to Third Party Information and Value Added Services

This Website MAY contain electronic hyperlinks to other sites. Fiserv Trust offers these hyperlinks as an accommodation to you and other users, but does not guarantee and is not responsible for the accuracy, quality, or suitability of the information provided on websites located through such hyperlinks, nor are we responsible for the privacy practices of such other sites and sponsoring companies.

When you leave our site by means of a hyperlink, you are subjecting yourself to whatever policies and practices might be employed by the operators of the other website, and Fiserv Trust has no control over such activities. It is strongly recommended that you read and familiarize yourself with the user policies of other websites before utilizing the contents of those sites.

General Disclaimer

The Content available on this Website is provided by Fiserv Trust for general reference only. The information provided through this Website should be used in conjunction with your quarterly account statements when reviewing your account information. Your quarterly account statements remain the official records of your account with Fiserv Trust. The quarterly account statements also contain additional important information and disclosures including, but not limited to, the statement review period and should be retained and referred to as your official Fiserv Trust account records.

Fiserv Trust does not provide financial, investment, tax or legal advice.

Although it is believed to be reliable, Fiserv Trust does not guarantee the accuracy of the information provided on this Website and any informational discrepancies must be reported to Fiserv Trust pursuant to the statement review period. You acknowledge that any reliance on the information obtained through this Website is at your sole risk and that you assume full responsibility for any and all costs associated in any way with use of such information. You further acknowledge that Fiserv Trust, its officers, directors, and employees are not liable for damages of any kind, whether or not such damages might have been foreseeable, related to your use of this Website and its Content. You agree to indemnify, defend and hold harmless Fiserv Trust and all of its employees, agents and representatives, from any and all claims asserted by you or by a third party arising from your use of this Website.

Arbitration and Governing Law Provisions

By using this Website, you agree that all claims and disputes of every type and matter which may arise between you and Fiserv Trust will be submitted to binding arbitration pursuant to the Commercial Arbitration rules of the American Arbitration Association and that any such arbitration proceedings and hearings will take place only in Denver, Colorado. To the extent not preempted by federal law, Colorado statutory law (including without limitation the statutes governing the award of damages in arbitration) and Colorado common law will govern. You expressly waive any right to conduct litigation or arbitration in any other forum. Arbitration is final and binding on all parties.

Acceptable Use

This Website may not be used in violation of any community standards, accepted Internet policy, laws or regulations of local, state, foreign or Federal governments or agencies thereof, or international treaty. Actions such as, but not limited to, misuse of copyrighted, patented or protected materials, use of this Website for defamatory, threatening or obscene purposes, the mass distribution of any message on an intrusive basis to users of the Internet, or denial-of-service or security related attacks is prohibited .

Security/Privacy

The Internet is not a secure network. Confidential or sensitive information should not be transmitted over the Internet, or stored on computers directly connected to the Internet. Fiserv Trust does not assume responsibility for loss or theft of information transmitted over the Internet or stored on computers directly connected to the Internet. You further acknowledge that, by using this Website, information as to your Internet address, your identity, the details of your activity on this Website and other similar information will become available to Fiserv Trust and you hereby permit Fiserv Trust to collect, store, analyze and use this information in its sole discretion for marketing, promotional, quality control and other purposes related to the Content and to the operation of this Website. Fiserv Trust will only make such information available to third parties pursuant to its Privacy Policy.

Downtime and Interruptions in Service

Fiserv Trust strives to keep this Website available on a continuous basis. However , as with all computer systems, periodic upgrades and other service will sometimes be required. In addition, telecommunications links that are necessary to operate this Website are maintained by third parties and Fiserv Trust has no control over the ability of such external systems to remain in operation without disruption. Thus, you acknowledge that this Website may be occasionally unavailable due to such periodic maintenance or to other unexpected interruptions, and Fiserv Trust is not responsible for inaccessibility during such downtimes.

Termination

This Agreement is effective unless and until terminated by Fiserv Trust. Fiserv Trust may terminate this Agreement at any time without notice to you, and accordingly, deny you access to this Website in our sole discretion if you fail to comply with the provisions of this Agreement.

Modification

Fiserv Trust may modify the Content of this Website at any time without notice. Fiserv Trust makes no guarantee that the Content offered on this Website will remain available for any specific period of time.

General Provisions

The Security Disclosure, Privacy Policy and Valuation Reporting Policy contained on this Website are incorporated within this Agreement by this reference. This Agreement sets forth the entire agreement between you and Fiserv Trust related to the subject matter addressed above. If any provision of this Agreement is invalid or unenforceable, the remainder of the Agreement shall remain in force and the affected provisions shall be deemed modified so as to be enforceable to the maximum extent permitted by law. You may not assign this Agreement to a third party without Fiserv Trust's prior written consent. Fiserv Trust shall not be deemed to have waived any rights herein by electing not to enforce such rights. Fiserv Trust shall not be responsible for any failure in performance that is due to causes or occurrences beyond its control.