TERMS OF USE AND LEGAL DISCLOSURES

TIAA Kaspick, LLC

TIAA Kaspick is an investment advisor registered with the Securities and Exchange Commission. In addition to its investment advisory services, TIAA Kaspick provides gift administration services to nonprofit institutions. Visit our website at www.kaspick.com for more information about the company and its operations.

Terms of Use

By using this website, you agree to comply with these "Terms of Use" and any other terms and conditions contained on the site.

General Limitations:

We use this website to provide general information about Kaspick & Company to our clients and the public. Certain portions of this website are accessible only by TIAA Kaspick clients, and by the donors and beneficiaries of trusts and other gift arrangements trusteed by our nonprofit institutional clients. Through these specialized pages, we provide information pertaining to specific accounts and other investment information that is not intended for the general public. TIAA Kaspick does not use this website to provide investment advice. Investment advice can only be provided through a formal investment advisory relationship. No information on this website is intended to be legal advice. You should consult with your legal counsel for advice regarding your particular circumstances.

Copyright and Limitations on Use:

Information provided in this website is the proprietary property of TIAA Kaspick and/or other third parties that provide data to TIAA Kaspick. This information is protected by copyright law. All ownership rights remain with Kaspick & Company or the applicable third party. You may use the website data only while accessing this website. Except as expressly authorized by TIAA Kaspick by written agreement or on the website, you will not: (a) download or copy the data in any manner; (b) use any element(s) of the data with any other data or software; (c) use the data to verify or correct any other data or index; or (d) use any data in any manner that would constitute a substitute for a license to use data (for example, use any data to create a separate or substitute database). You agree not to remove any product identification, copyright notices, or other notices or proprietary restrictions from the data, and you agree to provide attribution to TIAA Kaspick in any reference to the website. You will not cause or permit the reverse engineering, disassembly, or decompilation of the data, except to the extent such restrictions are inconsistent with applicable law. Each party providing data to TIAA Kaspick is a third party beneficiary under these Terms of Use to the extent required to enable it to enforce its proprietary rights in the data and the applicable use restrictions in these Terms of Use.

CONFIDENTIALITY AGREEMENT: Certain portions of the TIAA Kaspick website contain proprietary data that is available for the exclusive use of TIAA Kaspick clients. Material on these restricted webpages may not be displayed, reproduced, distributed, transmitted, or used to create derivative data without the express prior written authorization of Kaspick & Company. Authorized clients may access these restricted webpages using appropriate login identification. These login identifiers are strictly confidential and expressly non-transferable. Login identification can only be used by authorized employees of TIAA Kaspick clients.

The login identification and the information and material displayed on these limited access webpages are confidential and non-transferable. This means that authorized clients may not disclose any logins, information, or material derived from these restricted webpages without the prior written authorization of TIAA Kaspick. An authorized client may disclose information or material from these webpages to its staff or trustees, with the express understanding that these individuals will treat the data confidentially. By written prior agreement, certain Kaspick & Company clients may be allowed to permit limited access to the clients' specialized webpages on the TIAA Kaspick website by the clients' donors and beneficiaries and those individuals authorized to act on behalf of donors and beneficiaries (such as individuals operating under a power of attorney arrangement). In such cases, those donors and beneficiaries and their authorized parties hereby agree to maintain the confidentiality of all information other than their own personal data. Additionally, information from this website may be disclosed if disclosure is required by law or court order. Clients are required to provide notice to TIAA Kaspick reasonably in advance of such mandatory disclosures.

Hyperlinks: You may, through hypertext or other computer "links," gain access to other sites on the Internet that are not part of this website. TIAA Kaspick assumes no responsibility or liability for any material outside of this website that may be accessed through any such "link." The provision by TIAA Kaspick of a link to another site does not constitute an authorization by TIAA Kaspick to access materials at that site, or an endorsement by TIAA Kaspickof any such material.

Trademarks: TIAA Kaspick and names of TIAA Kaspick products referenced herein are trademarks or registered trademarks of TIAA Kaspick. All other product and company names mentioned herein are the trademarks of their respective owners.

Governing Law and Jurisdiction: These Terms of Use will be governed by and construed in accordance with the laws of the State of California, United States of America, without regard to conflict of law principles. All suits, proceedings, or claims in connection with these Terms of Use shall be brought in the courts of the State of California in the County of San Mateo and you hereby consent to the jurisdiction and venue of those courts. If any provision of this Agreement is held by a court of competent jurisdiction to be invalid, unreasonable or unenforceable, such provision or requirement will be enforced only to the extent that it is not invalid, unreasonable or otherwise unenforceable and all other provisions of these Terms of Use shall remain in full force and effect.

WARRANTY DISCLAIMER: The data on this website is provided "as is" exclusive of any warranty whatsoever, including any implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, originality and non-infringement, and all warranties arising out of course of performance, course of dealing and usage of trade or their equivalents under the laws of any jurisdiction. Nothing on any TIAA Kaspick website is intended or shall be deemed to be investment management or advisory services. Any use of software or data for analyzing, managing or trading financial instruments is at your sole risk. Third party data has been obtained from sources that TIAA Kaspick believes to be reliable, but its accuracy and completeness is not guaranteed. Neither TIAA Kaspick nor any third party warrants that the data will be free from error, uninterrupted or free from unauthorized hidden programs introduced without their knowledge. In addition, there is no assurance that any financial instruments identified or analyzed using the data will perform in a manner consistent with their historical characteristics, or that forecasts, expected values, or market impact projections will be accurate. TIAA Kaspick reserves the right at any time and without notice to change, amend, or cease publishing the data.

LIMITATION OF LIABILITY: Neither TIAA Kaspick nor any of its affiliates shall be liable for any damages, including direct, indirect, incidental, special or consequential damages, or damages for loss of profits, revenue, data or use, incurred by you or any third party, whether in an action in contract or tort, even if you, TIAA Kaspick, any vendor or any other person has been advised of the possibility of such damages. You assume the entire risk of any use made of the data and take full responsibility for any decisions and/or analyses in which the data is used or relied upon. Any reliance by you or others on the data will not diminish that responsibility. Neither TIAA Kaspick nor any affiliate shall be liable for, and you agree to indemnify and hold TIAA Kaspick and its affiliates harmless from and against, any claims, expenses, losses or liabilities (including professional fees and expenses) in connection with any claim by a third party relating to your use of the data, or relating to any decisions or analyses arising out of such use.

Any rights not expressly granted herein are reserved by TIAA Kaspick.

© 2002–2016 TIAA Kaspick, LLC, a member of the TIAA group of companies. All rights reserved.