No Offer or Advice. Jurisdiction. Access to Web Site and Content

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1 The web site located at ("Web Site") and the mobile software applications ("Mobile Apps") developed, distributed and owned by Bolmgren RetirePLAN, Inc. or one of its U.S. subsidiaries or affiliates (collectively "BRP", "we", "our", "us") are referred to herein collectively as the "Web Site". Please read these terms and conditions of use ("Terms") carefully before using the Web Site or any of the information or services provided by BRP in connection with the Web Site. By using the Web Site, you acknowledge that you have read and understood these Terms and accept and agree to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Web Site or any of the information or services provided by BRP in connection with the Web Site and should promptly terminate all use thereof. The term Web Site includes any other web site owned, operated, licensed, or controlled by BRP. The term Mobile Apps includes any updates and supplements to the original Mobile App provided to you by BRP. The terms "you" and "your" mean you and any entity you may represent in connection with the use of the Web Site. These Terms are in addition to any other agreements between you and BRP, including any customer or account agreements, and any other agreements that govern your use of information, content, tools, products and services available on and through the Web Site. You may use your browser to download or print out a copy of these Terms for your records. These Terms were last updated on 11/8/2013. BRP reserves the right, in its sole discretion, to change, modify, add, or remove portions of these Terms at any time. We suggest that you check these Terms periodically for changes. The Terms can be accessed from a link at the bottom of the pages of the Web Site. Any changes, modifications, or additions to, or deletions from these Terms shall be effective immediately upon posting on the Web Site. You acknowledge that, by using the Web Site after we post changes to these Terms, you accept and agree to be legally bound by these Terms as changed. BRP may also offer other services from time to time that are governed by different terms and conditions. No Offer or Advice The Web Site and their content are provided as a public service and are for information and educational purposes only. Nothing on the Web Site constitutes a recommendation, solicitation or offer by BRP to sell or buy any security or investment product or service. The Web Site does not, and it is not intended to, provide any financial, investment, retirement planning, insurance, legal, accounting or tax advice. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. The Web Site should not be used or relied upon by you as a substitute for independent research or professional tax, financial or legal advice. You should seek such professional tax, financial or legal advice for your specific situation. You acknowledge that your requests for information in connection with the Web Site are unsolicited. Jurisdiction Unless otherwise specified, BRP controls, operates and services the Web Site from its offices within the State of Illinois, United States of America. The services and products described and information provided through the Web Site are directed to and are intended to be made available only to persons in the United States and are 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 BRP or any of its investment products or services to any registration requirement within such jurisdiction or country. Persons who access the Web Site do so on their own initiative, and are responsible for compliance with applicable local laws or regulations. Access to Web Site and Content BRP reserves the right, in its sole discretion, to withdraw access to or modify any of the information, tools, content or services provided in connection with the Web Site (the "Content") at any time without providing notice to you. All Content is presented as of the date published or indicated, and may become inaccurate as a result of subsequent market events or for other reasons. Although BRP makes every attempt to provide accurate and timely Content, BRP does not guarantee or ensure the accuracy, completeness, currency or authenticity of any Content or functionality, or transmission of any Content from the Web Site to you. Furthermore, you are solely responsible for making sure that you are receiving up-to-date Content from the Web Site, including, but not limited to, by properly using the "Update Content" function on the Mobile Apps while you are connected to the internet or by appropriately setting cache

2 settings on your web browser. BRP may withdraw access to or modify any of the investment products and services described on the Web Site at any time without providing notice to you. Trademarks, Copyrights and other Intellectual Property All Content is owned or licensed by BRP and its third-party information providers and is protected by applicable copyrights, trademarks, service marks and/or other intellectual property rights. All Content is solely for your personal, non-commercial use or that of your clients. Accordingly, you may not copy, reproduce, modify, sell, reuse, republish, post, frame, deep link, transmit, display, distribute or use for any commercial or unlawful purpose any Content, including, without limitation, any text, images, video, audio, code, user interface design or logos on the Web Site, without BRP's express written permission. If permitted by the Web Site, you may download Content for your personal use or that of your clients so long as you retain all copyright and other proprietary notices set forth in the Content. Please note that, notwithstanding the foregoing, if you have access to Content that is marked for use by financial advisors only, then you are not permitted to disclose such Content to your clients and your clients are not permitted to use such Content in any way. Any unauthorized use of Content violates the intellectual property rights of BRP and may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations and statutes. All trademarks, service marks, trade names, and logos ("Marks") displayed on the Web Site are proprietary to BRP and/or their respective third party owners. Nothing contained on the Web Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Mark displayed on the Web Site without the written permission of BRP or such other third party owner. Your use of the Marks displayed on the Web Site, except as provided herein, is strictly prohibited. Prohibited Uses Any use or attempted use of the Web Site (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) that could interfere with any other party's use and enjoyment of the Web Site, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by BRP to be made accessible to a user by hacking or any other means, or (vi) to obtain or attempt to obtain any materials or information through any means not intentionally made available by BRP, or (vii) for any use other than the purpose for which it was intended, is prohibited. In addition, users and visitors of the Web Site may not, without BRP's express prior written permission: copy, reproduce, republish, upload, post, transmit, or distribute in any way Content in any manner inconsistent with the purposes for which it is offered by BRP to its customers, prospective customers or members of the general public; copy, modify, or display BRP's name or logo, or any text, graphic images, or other Content; redeliver any of the pages, text, images, or other Content using "framing" technology; use devices (including software) that are designed to provide repeated automated access to the Web Site other than those made generally available by BRP; deep link or employ software or any automatic device, technology or algorithm, to "crawl", "scrape", search or monitor the Web Site, provided that generally available third-party web browsers may be used without BRP's authorization; include "BRP" or any other BRP trademark, the name of any BRP personnel, or any variation of any of the foregoing, as a metatag, hidden textual element, or any other indicator that may create a false or misleading impression of affiliation, sponsorship, or endorsement between any user and/or site and BRP; collect or store personal data about other users of the Web Site; upload, or otherwise transmit to the Web Site any material that contains viruses or any other computer code, files or programs that might interrupt, limit or interfere with the functionality of any computer software or hardware of file communications equipment that is owned, leased or used by BRP; resell or provide commercial use of the Web Site or the Content, or create any derivative use of the Web Site or the content therein; make use of any data mining, robots, or similar data gathering and extraction tools; or

3 reproduce, duplicate, copy, sell, resell, visit, or otherwise exploit for any commercial purpose the Web Site. BRP reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including, without limitation, the suspension or termination of the user's access and/or account. BRP may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Except as may be expressly limited by the BRP Privacy Policy, BRP reserves the right at all times to disclose any information as BRP deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in BRP's sole discretion. Links to BRP's Website from Other Websites You shall not display hyperlinks on your websites to any website owned or operated by BRP, including the Web Site. If you desire to display on your website a hyperlink to the Web Site, you must enter into a written agreement with BRP governing such display. Requests to display hyperlinks on your websites to the Web Site should be ed to Justin@bolmgrenretireplan.com Transmissions to and From this Website Electronic communications can be intercepted by third parties and, accordingly, transmissions to and from the Web Site may not be secure or confidential. BRP makes no representation whatsoever concerning the security or confidentiality of your electronic communications and specifically makes no representation that any electronic communications transmitted to the Web Site will be received by BRP. Communications to BRP, particularly those containing confidential information, may be sent by mail to: Bolmgren RetirePLAN; 330 S Wells St., Ste. 400E Chicago, IL 60606, Attn: Webmaster. Subject to our Privacy Policy, any electronic communications you transmit to the Web Site, including, but not limited to, data, questions, comments or suggestions, will be treated by BRP as nonconfidential and nonproprietary. Any such communications, including any ideas, concepts, know-how, or techniques contained therein, may be used by BRP for any purpose whatsoever, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. You hereby waive all rights to any claim against BRP for any alleged or actual infringements of any proprietary rights, rights of privacy and publicity, moral rights and rights of attribution in connection with electronic communications you transmit to the Web Site. Contents of the Web Site DISCLAIMER THE MATERIALS IN AND ON THE WEB SITE (INCLUDING ANY GRAPHICS) AND ANY MATERIALS MADE AVAILABLE THROUGH THE WEB SITE ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, AND ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, BRP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO ANY MATTER WHATSOEVER RELATING TO OR REFERENCED BY THE WEB SITE, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY OF NON-INFRINGEMENT OF THIRD- PARTY RIGHTS AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. BRP DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENT IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE CONTENT COULD BECOME INACCURATE AS A RESULT OF DEVELOPMENTS OCCURRING AFTER ITS RESPECTIVE DATE. BRP UNDERTAKES NO OBLIGATION TO MAINTAIN THE CURRENCY OF SUCH INFORMATION. BRP MAY ESTABLISH HYPERTEXT LINKS BETWEEN THE WEB SITE AND ONE OR MORE WEBSITES OPERATED BY UNAFFILIATED THIRD PARTIES. BRP HAS NO CONTROL OVER ANY SUCH LINKED WEBSITES AND IS NOT RESPONSIBLE FOR THE CONTENTS THEREOF OR THE PRODUCTS AND SERVICES DESCRIBED THEREIN. BRP IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. BRP PROVIDES THESE LINKS TO YOU ONLY AS A CONVENIENCE. THE EXISTENCE OF ANY SUCH LINKS SHALL NOT CONSTITUTE AN ENDORSEMENT OF, OR REPRESENTATION OR WARRANTY BY BRP REGARDING, SUCH LINKED WEBSITES, THE CONTENTS THEREOF, THE PRODUCTS AND SERVICES DESCRIBED THEREIN OR THE OPERATORS THEREOF. BRP SHALL HAVE NO LIABILITY FOR ANY LOSS OR DAMAGE INCURRED BY YOU IN CONNECTION WITH YOUR

4 ACCESS TO OR USE OF SUCH LINKED WEBSITES, INCLUDING, WITHOUT LIMITATION, ANY SUCH LOSS OR DAMAGE RESULTING FROM ANY HARMFUL COMPONENTS OF OR INACCURACIES IN THE CONTENT OF SUCH LINKED WEBSITES. YOUR ACCESS TO AND USE OF SUCH LINKED WEBSITES IS GOVERNED BY THE TERMS AND CONDITIONS OF USE AND PRIVACY POLICIES APPLICABLE TO SUCH LINKED WEBSITES, AND SHALL BE AT YOUR OWN RISK. BRP DISCLAIMS ALL RESPONSIBILITY FOR THE PRIVACY POLICIES AND CUSTOMER INFORMATION PRACTICES OF SUCH LINKED WEBSITES. Operation of the Web Site DISCLAIMER BRP ENDEAVORS TO MAINTAIN THE WEB SITE AND THEIR OPERATION, BUT IS NOT, AND CANNOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THE WEB SITE OR ITS OPERATION. AS TO THE OPERATION OF THE WEB SITE, BRP EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. BRP MAKES NO WARRANTY THAT (I) THE OPERATION OF THE WEB SITE WILL MEET THE USER'S REQUIREMENTS; (II) ACCESS TO THE WEB SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR FREE OF ERRORS; (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEB SITE WILL BE ACCURATE OR RELIABLE; OR (IV) DEFECTS WILL BE CORRECTED. YOU (AND NOT BRP) ASSUME THE ENTIRE COST OF ALL SERVICING, REPAIR, OR CORRECTION THAT MAY BE NECESSARY FOR YOUR COMPUTER EQUIPMENT AND SOFTWARE AS A RESULT OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THE WEB SITE. Limitation of Liability UNDER NO CIRCUMSTANCES WILL BRP OR ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES OR AGENTS BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES ARISING FROM YOUR USE OR ATTEMPTED USE OF, OR INABILITY TO USE, THE WEB SITE OR THE CONTENT, INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, OR INCIDENTAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR TRADING LOSSES), EVEN IF SUCH DAMAGES ARE REASONABLY FORESEEABLE OR BRP OR ANY OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR DAMAGES. FOR THE AVOIDANCE OF DOUBT, BRP AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES AND AGENTS SHALL NOT BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR ARISING FROM OR IN CONNECTION WITH: ANY ERROR OR OMISSION IN THE WEB SITE OR THE CONTENT AND FOR THE USE OR INTERPRETATION THEREOF BY OTHERS; ANY DELAY, TERMINATION, FAILURE, DEFECT, OR INTERRUPTION IN THE TRANSMISSION OF THE WEB SITE OR ANY CONTENT; ANY TERMINATION OR INTERRUPTION OF YOUR ACCESS TO THE WEB SITE OR ANY CONTENT; YOUR RELIANCE ON OR USE OF THE WEB SITE OR ANY CONTENT; ANY ELECTRONIC REQUESTS, ORDERS, OR INSTRUCTIONS YOU SEND, OR THE INTERCEPTION BY THIRD PARTIES OF ANY ELECTRONIC REQUESTS, ORDERS, OR INSTRUCTIONS YOU SEND; ANY HARM CAUSED BY THE TRANSMISSION, THROUGH ACCESS OF THE WEB SITE, OF A COMPUTER VIRUS, OR OTHER COMPUTER CODE OR PROGRAMMING DEVICE THAT MIGHT BE USED TO ACCESS, DELETE, DAMAGE, DISABLE, DISRUPT OR OTHERWISE IMPEDE THE OPERATION OF THE WEB SITE OR OF YOUR SOFTWARE, HARDWARE, DATA OR OTHER PROPERTY; ANY ACT OR OMISSION OF BRP IN MAKING THE WEB SITE OR ANY CONTENT AVAILABLE TO YOU; OR ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE WEB SITE OR ANY OF THE CONTENT, WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF BRP OR WITHIN THE CONTROL OF ANY OTHER PARTY PROVIDING SOFTWARE OR SERVICES SUPPORT FOR THE WEB SITE. Limitations APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF

5 THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL BRP'S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE GREATER OF THE AMOUNT PAID BY YOU FOR ACCESSING THE WEB SITE AND $50.00 USD. Indemnification As a condition of, and in exchange for, using the Web Site, you agree to defend, indemnify and hold BRP and its directors, officers, employees, affiliates and agents harmless from and against any and all claims, actions, losses, liabilities, damages, costs and expenses (including but not limited to reasonable attorneys' fees) that may, at any time, arise out of or relate to your authorized, unauthorized, lawful or unlawful use of the Web Site and/or the Content, your breach of the Terms, as may be modified from time to time in BRP's sole discretion, your inability to access the Web Site and/or any Content, the use of any linked web sites, your reliance on any errors or omissions in the Web Site and/or the Content, or the propagation and/or contraction of any computer virus in connection with your use of the Web Site and/or the Content. Notices Any notices to you from BRP regarding the Web Site or these Terms will be posted on the Web Site or made by e- mail or regular mail. When you visit the Web Site or send s to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by or by posting notices on the Web Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You further agree that any notices provided by us electronically are deemed to be given and received on the date we transmit any such electronic communication as described in these Terms. Governing Law These Terms shall be governed and construed under the laws of the State of Illinois without regard to its conflict of law principles, regardless of whether you reside in Illinois or transact business with BRP in Illinois or elsewhere. If you take legal action relating to these Terms or your use of the Web Site or the Content, you agree to file such action only in the Circuit Court of Cook County, Illinois, or the United States District Court for the Northern District of Illinois, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any action relating to these Terms or your use of the Web Site or the Content. Waiver No waiver by BRP of any right under or term or provision of these Terms will be deemed a waiver of any other right, term, or provision of these Terms at that time or a waiver of that or any other right, term, or provision of these Terms at any other time. Severability Whenever possible, each provision of these Terms will be interpreted in such manner as to be effective and valid under applicable law, but if any provision of these Terms is held to be invalid, illegal or unenforceable in any respect, such invalidity, illegality or unenforceability will not affect any other provision of these Terms in any manner or the effectiveness, validity and enforceability of such provision in any other jurisdiction. Entire Agreement These Terms represent the entire agreement between you and BRP relating to the subject matter hereof.

6 No Partnership or Agency Neither these Terms, nor any content, materials or features of the Web Site create any partnership, joint venture, employment, or other agency relationship between us. You may not enter into any contract on our behalf or bind us in any way.