Terms of Use | m-science-vested

M Science LLC and its affiliates (“M Science”) provide this web site and all information contained herein (collectively, the “Web site”) subject to your compliance with the terms and conditions set forth below. Please read the following information carefully before continuing to use this Web site. By using this Web site or any service of this Web site, you signify your acceptance of these terms of use (“Terms of Use”).

BY USING THE SITE, YOU AGREE TO THESE TERMS OF USE; IF YOU DO NOT AGREE, DO NOT USE THE SITE.

General Legal Information

This Web site is for informational purposes only. None of the information contained on this Web site

constitutes a solicitation, offer, opinion, or recommendation by M Science to buy or sell any securities or

other financial instruments, or to provide legal, tax, accounting, or investment advice, or services

regarding the suitability, or profitability of any security or investment, or to participate in any particular

trading strategy in any jurisdiction in which such offer, solicitation or trading strategy would be unlawful.

M Science is not acting as broker, dealer, underwriter, placement agent, or investment adviser in

connection with any security referenced on this Web site.

The securities or investment strategies that may be discussed on this Web site might not be suitable for

you. M Science assumes all sources and information to be truthful and reliable, but does not warrant or

guarantee their accuracy, validity, timeliness or completeness. All statements contained in this site are

deemed to be factual as of the date they are provided and are subject to change without notice.

Disclosure of Security Positions

M Science employees may have a position in any securities discussed on the Web site.

Modification and Monitoring of Web Site

M Science reserves the right (but does not have the obligation), in its sole discretion, to change, modify,

add or remove portions of these terms and conditions at any time and to monitor any and all use of this

Web site. Accordingly, please check the Terms of Use periodically for any changes. Your use of the Web

site or any service on this Web site after the posting of such modifications will constitute your

acceptance of the modified Terms of Use. Any terms and conditions proposed by you which are in

addition to or which conflict with the Terms of Use are expressly rejected by M Science and shall be

void.

Electronic Recording & Cookies

Access to the Site is not confidential and you hereby consent to our collection of information that you

send to us and that we send to you through this Web site. You acknowledge and consent that M Science

may retain and use this information for its own internal purposes and that such recording applies to all

information and data that you enter into this Web site including, without limitation, all tools or

calculators included herein. You acknowledge and agree that M Science may store information on your

computer using “cookies.” A cookie is a file containing information that a Web site sends to a local hard

disk for access by the Web site at a later time for various Web site administration and related purposes.

You acknowledge and agree that any communication between you and M Science via this Web site is

not encrypted.

Restrictions on Use

The information provided on this Web site is not intended for distribution to, or use by, any person or

entity in any jurisdiction or country where such distribution or use would be contrary to law or

regulation, or which would subject M Science or its affiliates to any registration requirement within such

jurisdiction or country. You may not use this Web site for any illegal purpose or in any manner

inconsistent with the Terms of Use. You agree not to use, transfer, dispose, or distribute any information

on this Web site in any manner that could compete with M Science’s business.

You may not copy, reproduce, republish, recompile, redeliver, decompile, disassemble, reverse engineer, distribute,

publish, display, modify, upload, post, transmit, create derivative works from, use “frame” technology

on, or in any other way create a misimpression or confusion among users with respect to sponsorship or

affiliation, or exploit in any way material from M Science’s Web site. Notwithstanding the foregoing, the

user may download a single copy of any support document or user guide for his or her own personal

use, provided that such materials are maintained in their original form and are not redistributed to

other individuals or entities for any purpose.

You may not in any way reproduce or circumvent the navigational structure or presentation of the Web

site or any content, to obtain or attempt to obtain any materials, documents or information through any

means not purposely made available through the Web site. M Science reserves the right to bar any such

activity.

You may not attempt to gain unauthorized access to any portion or feature of the Web site, or any other

systems or networks connected to the Web site or to any M Science server, or to any of the services

offered on or through the Web site, by hacking, password “mining” or any other illegitimate means.

You may not probe, scan or test the vulnerability of the Web site or any network connected to the Web

site, nor breach the security or authentication measures on the Web site or any network connected to

the Web site. You may not reverse look-up, trace or seek to trace any information on any other user of

or visitor to the Web site, or any other customer of M Science, including any M Science account not

owned by you, to its source, or exploit the Web site or any service or information made available or

offered by or through the Web site, in any way where the purpose is to reveal any information, including

but not limited to personal identification or information, other than your own information, as provided

for by the Web site.

You agree that you will not take any action that imposes an unreasonable or disproportionately large

load on the infrastructure of the Web site or M Science’s systems or networks, or any systems or

networks connected to the Web site or to M Science.

You agree not to use any device, software or routine to interfere or attempt to interfere with the proper

working of the Web site or any transaction being conducted on the Web site, or with any other person’s

use of the Web site.

You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any

message or transmittal you send to M Science on or through the Web site or any service offered on or

through the Web site. You may not pretend that you are, or that you represent, someone else, or

impersonate any other individual or entity.

Disclaimer of Warranty

DATA, SOFTWARE OR INFORMATION (THE “MATERIALS”) PROVIDED BY M SCIENCE, OR ANY OF ITS

AFFILIATES, THEIR MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND CONTRACTORS IS FOR

INFORMATIONAL PURPOSES ONLY, AND IS PROVIDED BY M SCIENCE ON AN “AS IS” BASIS. TO THE

FULLEST EXTENT PERMITTED BY LAW, M SCIENCE EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES,

EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS

FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. IN NO EVENT SHALL M SCIENCE BE

LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY

KIND WHATSOEVER (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, TRADING LOSSES, AND

DAMAGES THAT MAY RESULT FROM THE USE OF THE DATA AND INFORMATION, ANY DELAY OR

INTERRUPTION OF SERVICE, OR OMISSIONS OR INACCURACIES IN THE INFORMATION) WITH RESPECT TO

THE MATERIALS.

THE USER, AS A CONDITION TO VIEWING THE DATA AND INFORMATION OR DOWNLOADING OR USING

ANY SOFTWARE, EXPRESSLY WAIVES ANY CLAIM IT MAY HAVE AGAINST M SCIENCE.

Limitation of Liability

In no event shall M Science, nor any of its affiliates, directors, officers or employees, nor any third party

provider be liable to users of this Web site for: (1) any loss or injury caused, in whole or in part, by its

actions, omissions or negligence, or for contingencies beyond its control, in procuring, compiling, or

delivering the Materials or other matters presented at the Web site; 2) any errors, omissions or

inaccuracies in the Materials presented in this Web site regardless of how caused, or delays or

interruptions in delivery of the Materials or other matters presented in this Web site; 3) any decision

made or action taken or not taken in reliance upon the Materials or other matters presented in this Web

site; (4) any damages or injury resulting from your access to this Web site, including, but not limited to,

damage to or failure by your computer equipment or other property, communication line failures,

computer viruses or inability to access this Internet site; or (5) any other direct, special, indirect, or

consequential damages, or loss of profits or any other damages of any kind even if M Science or any

other party has been advised of the possibility thereof. Any Materials downloaded or otherwise

obtained through the use of this Web site is done at your own discretion and risk, and you will be solely

responsible for any damage to your computer system or loss of data that results from the download of

such Materials.

Waiver and Indemnity

BY USING THE WEBSITE, YOU AGREE, TO THE EXTENT PERMITTED BY LAW, TO INDEMNIFY AND HOLD M

SCIENCE, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, CONTRACTORS, AND LICENSORS

HARMLESS WITH RESPECT TO ANY CLAIMS ARISING OUT OF YOUR BREACH OF THESE TERMS OF USE,

YOUR USE OF THE WEB SITE, OR ANY ACTION TAKEN BY M SCIENCE AS PART OF ITS INVESTIGATION OF A

SUSPECTED VIOLATION OF THESE TERMS OF USE OR AS A RESULT OF ITS FINDING OR DECISION THAT A

VIOLATION OF THESE TERMS OF USE HAS OCCURRED. THIS MEANS THAT YOU CANNOT SUE OR

RECOVER ANY DAMAGES FROM M SCIENCE, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES,

AGENTS, CONTRACTORS, AND LICENSORS AS A RESULT OF ITS DECISION TO REMOVE OR REFUSE TO

PROCESS ANY INFORMATION OR CONTENT, TO WARN YOU, TO SUSPEND OR TERMINATE YOUR ACCESS

TO THE WEB SITE, OR TO TAKE ANY OTHER ACTION DURING THE INVESTIGATION OF A SUSPECTED

VIOLATION OR AS A RESULT OF M SCIENCE’S CONCLUSION THAT A VIOLATION OF THESE TERMS OF USE

HAS OCCURRED. THIS WAIVER AND INDEMNITY PROVISION APPLIES TO ALL VIOLATIONS DESCRIBED IN

OR CONTEMPLATED BY THESE TERMS OF USE.

Electronic Contracting

Your use of the Web site may include the ability to enter into agreements and/or to make transactions

electronically. YOU ACKNOWLEDGE THAT YOUR ELECTRONIC SUBMISSIONS CONSTITUTE YOUR

AGREEMENT AND INTENT TO BE BOUND BY SUCH AGREEMENTS AND TRANSACTIONS. YOUR

AGREEMENT AND INTENT TO BE BOUND BY ELECTRONIC SUBMISSIONS APPLIES TO ALL RECORDS

RELATING TO ALL TRANSACTIONS YOU ENTER INTO ON THIS WEB SITE, INCLUDING NOTICES OF

CANCELLATION, POLICIES, CONTRACTS, AND APPLICATIONS. In order to access and retain your electronic

records, you may be required to have certain hardware and software, which are your sole responsibility.

M Science is not responsible for typographic errors.

Research Reports

We may provide users with certain research and analysis. These Materials may be developed directly by

us, or by third-party providers and offered through us. M Science does not endorse the

recommendations, advice, opinions, or judgments contained in research developed by third-party

providers, which is provided as a convenience to the users of this Web site. M Science research may not

be personalized, or in any way tailored to reflect your personal financial circumstances or investment

objectives, and the securities or investment strategies discussed may not be suitable for you. Certain

transactions give rise to substantial risk and are not suitable for all investors. We make no guarantees as

to the accuracy, completeness, timeliness, or usefulness of these Materials. These Materials are made

available for your personal use only, and may not be retransmitted or republished without M Science’s

prior approval. While we endeavor to update on a reasonable basis the information discussed in this

Material, there may be regulatory, compliance, or other reasons that prevent us from doing so.

If you wish to notify M Science of any issues or concerns associated with M Science practices or services,

please email M Science at research_notifications@mscience.com.

Web Site Content; Copyrights

This Web site, including but not limited to the text, content, photographs, software, images, video,

audio, and graphics contained in this Web site are protected by copyrights, trademarks, service marks,

international treaties, and other proprietary rights and laws of the United States and other countries as

a collective work and/or compilation. Unless otherwise indicated, M Science or its affiliates owns a

content. Reproduction or citation of such content, information, products, or software without M

Science’s prior written consent is expressly prohibited. Users agree not to copy, modify, adapt,

reproduce, translate, distribute, transmit, reverse engineer, decompile, or dissemble any Materials

appearing on this Web site.

Users agree to abide by all applicable intellectual property laws, as well as any additional notices or

restrictions contained in the Web site. Unauthorized use of this Web site and the Materials contained on

this Web site may violate applicable copyright, trademark or other intellectual property laws or other

laws.

M Science respects the intellectual property of others. If you believe that your work has been copied in a

way that constitutes copyright infringement or are aware of any infringing material placed by any third

party on this Web site, please contact us at info@mscience.com. In your notification, please provide us

with the following information:

An electronic or physical signature of the person authorized to act on behalf of the copyright owner;

A description of the copyrighted work that you claim has been infringed;

A description of where on our site the material is located;

Your address, telephone number and email address;

A statement by you that you have a good faith belief that the use is not authorized by the copyright

owner, its agent or the law; and

A statement by you, made under penalty of perjury, that the information in your notice is accurate and

that you’re the copyright owner or authorized to act on behalf of the copyright owner.

Third Party Materials

Certain content and services available via the Web site may include materials from third parties. M

Science may provide links to third-party websites as a convenience to you. You agree that M Science is

not responsible for examining or evaluating the content or accuracy and M Science does not warrant

and will not have any liability or responsibility for any third-party materials or websites, or for any other

materials, products, or services of third parties. You agree that you will not use any third-party materials

in a manner that would infringe or violate the rights of any other party and that M Science is not in any

way responsible for any such use by you.

Termination

M Science, at its sole discretion, at any time, for any reason or no reason and without notice to you may:

(i) terminate this agreement and/or your access to the Web site, and/or (ii) terminate the license to any

software; and/or (iii) preclude access to the Web site (or any part thereof).

M Science reserves the right to modify, suspend, or discontinue the Web site or any associated services

(or any part or content thereof) at any time with or without notice to you, and M Science will not be

liable to you or to any third party should it exercise such rights.

Trademarks

The trademarks, service marks, and logos (collectively, the “Trademarks”) displayed on this Web site are

registered and/or common law trademarks of M Science and various third parties. Nothing contained on

this Web site should be construed as granting, by implication, or otherwise, any license or right to use

any of the Trademarks without the written permission of M Science or such other party that may own

the Trademarks.

All other brand and product names appearing on this site may be the trademarks or service marks of

their respective owners.

Patents

Certain M Science products, services, features, and methods described on this Web site or otherwise

available from M Science are covered by the following U.S. patents, as well as various pending patent

applications and non-U.S. counterparts: U.S. Patent Nos. 8,380,594, and 8,793,173.

Use of Links

Users may include a link to the www.mscience.com Web site: (i) in a simple list of companies, by linking

to the www.mscience.com homepage; or (ii) in a list of companies that offers descriptions along with

links, provided that M Science has approved such description.

Linking to other pages or content within the www.mscience.com Web site is prohibited, unless expressly

permitted by M Science.

M Science has not developed, checked for accuracy, or otherwise reviewed other web sites linked to this

Web site and is not responsible for the content of any web site linked to this Web site. M Science

provides links to other web sites solely as a convenience to the users of this Web site. Linking to any

other web site is done at the risk of the user. By providing access to the linked web sites, neither M

Science nor its third party providers are recommending the purchase or sale of the stock nor endorsing

the services provided by the web sites’ sponsoring organization. M Science has not tested any

information, software, or products found on any of the web sites linked to this Web site, and therefore

M Science does not make any representations with respect thereto, including any representations

regarding the content or sponsors of the web site, or the suitability or appropriateness of the products

or transactions described therein.

Severability

If any provision of the Terms of Use is deemed unlawful, void or unenforceable for any reason, that

provision will be deemed severable from these terms and will not affect the validity and enforceability

of the remaining provisions.

Governing Law

The Terms of Use shall be governed and construed in accordance with the laws of the United States and

the State of New York, without giving effect to conflicts-of- law principles thereof. You agree to submit to

the personal jurisdiction of the state and federal courts located in New York County in the State of New

York with respect to any legal proceedings that may arise in connection with this Web site or from a

dispute as to the interpretation or breach of the Terms of Use.

Entire Agreement

The Terms of Use constitutes the entire agreement between user and M Science relating to the use of

this Web site. Users may also be subject to additional terms and conditions that may apply when users

use affiliate services, third-party content or third-party software.

Use Subject to Agreements

The products and services described in this Web site are subject to these disclosures and disclaimers. If

you are a customer, use of such products and services are also subject to the various agreements you

have with M Science.

Last updated: May 31, 2016