CITI EQUITY Social Network Terms of Use

The terms of use for the CITI EQUITY, corp(“CITI EQUITY”) Social Network (the “CITI EQUITY Social Network”) contain important information about the CITI EQUITY Social Network, disclosures about appropriate conduct in the CITI EQUITY Social Network, and how CITI EQUITY may use content posted on the CITI EQUITY website (referred to as the “website”) (the “Terms of Use”).

In consideration for CITI EQUITY permitting you to access the website, you agree to be bound by, and act in accordance with, these Terms of Use, as may be amended from time to time by CITI EQUITY, by posting additions and amendments on the website. Subject to these Terms of Use, CITI EQUITY grants to you a non-transferable, non-exclusive, limited license to access and use the website for personal, non-commercial use only.

1. INTRODUCTION
   You agree to read and be bound by these Terms of Use and refer to them for any future amendments. These Terms of Use define aspects of your use of the CITI EQUITY Social Network and as it can relate to links to your other social sites outside of CITI EQUITY. Your continued use of the CITI EQUITY Social Network reaffirms your agreement to the then-in-effect Terms of Use.
2. DESCRIPTION OF THE CITI EQUITY SOCIAL NETWORK
   CITI EQUITY makes available to users and customers through the website access to the CITI EQUITY Social Network, which allows users and customers the ability to make interactive, electronic comments to defined friends, to investing social circles, or to the CITI EQUITY Investing customer base at large. The CITI EQUITY Social Network may be made available by CITI EQUITY through the website and any other CITI EQUITY-branded or co-branded websites which can include widgets and mobile application interfaces. The CITI EQUITY Social Network enables users to share information about personal stock ownership and history, financial goals, or personal financial preferences, and through the CITI EQUITY Social Network, all persons accessing the website, whether registered as users or not, may view such shared information.
   Participation in the CITI EQUITY Social Network is defined by the Terms of Use. A user is able to post its Build Your Own CITI EQUITYs to the user’s investing circle and friends, or to the larger customer base, and to post to personal social sites outside of CITI EQUITY Investing.
   You understand and agree that the CITI EQUITY Social Network may include service announcements and administrative messages as well as other non-transactional communications, and that agreeing to receive these communications is a requirement of your participation in the CITI EQUITY Social Network. You agree not to access the CITI EQUITY Social Network by any means other than through the interfaces that are provided or approved by CITI EQUITY.
3. REGISTRATION
   In order to access the CITI EQUITY Social Network, you must maintain certain relationships with CITI EQUITY, which include either registering as a user or applying as a customer for a brokerage account. The CITI EQUITY Social Network is available to you only by logging into CITI EQUITY either as a user or customer.
   In order to uniquely identify yourself within the CITI EQUITY Social Network, you will create a CITI EQUITY Social Network ID. In certain circumstances a single ID may participate as a single user or to multiple Social Circles or Friends. Any authorized user or customer will be able to post information and update personal CITI EQUITY Social Network settings including, without limitation, privacy elections for any CITI EQUITY Social Network ID linked to that authorized user or customer ID, and you will be responsible for all activities through such ID.
4. NETWORK ID: SHARING INFORMATION
   You understand that CITI EQUITY requires your CITI EQUITY Social Network ID be the same as your CITI EQUITY user or customer ID, which is your e-mail address. You understand that the information shared or otherwise disclosed by you, including, without limitation, your CITI EQUITY Social Network ID, and all postings and comments made by you, becomes an integrated part of your CITI EQUITY Social Network.
   You hereby (a) grant to CITI EQUITY a perpetual, royalty-free, worldwide, non-exclusive, irrevocable, transferable license to copy, use, modify and publish information posted in the CITI EQUITY Social Network and all associated content, as may modified from time to time, on the website for use by persons accessing the website and to use any such information for its own internal use or in connection with processing trades or related activity, (b) represent and warrant to CITI EQUITY that you are the sole owner of information posted in the CITI EQUITY Social Network and all associated content and have the right to license the same to CITI EQUITY as described in (a), and (c) agree that CITI EQUITY may terminate this license in whole or in part at any time.
   You acknowledge CITI EQUITY’s unrestricted right to use information in any medium, now or in the future, without notice, compensation or other obligation to you or any other person. You understand and acknowledge that you will not incorporate proprietary or confidential information belonging to any other person. You understand that you are responsible for establishing your own personal social groups within the CITI EQUITY Social Network. You can maintain one or more social groups, and determine through your personal settings, certain permissions for users within your social groups. You understand that you control and administer your privacy settings and permissions and are responsible for ensuring those permissions are active, as you alone deem necessary. You are responsible for reviewing your privacy settings and will adjust them according to your personal specifications. These permissions are your responsibility for each of your accounts, regardless of the number of individuals, joint tenants, trustees, or attorneys-in-fact that you have designated as able to act on your behalf with respect to such account(s). You are solely responsible for any decisions you make as a result of the discussions you have within your CITI EQUITY Social Network groups and understand that CITI EQUITY merely provides an electronic interactive platform for these non-static discussions to occur, but in no way influences any investment decisions you make as a result of your participation in the CITI EQUITY Social Network. You agree that if you have any questions or concerns regarding your CITI EQUITY brokerage account or the products and services available through CITI EQUITY, you will contact CITI EQUITY’s Customer Service through other channels, including telephone and e-mail, and not attempt to contact CITI EQUITY Investing through the CITI EQUITY Social Network channel.
   CITI EQUITY reserves the right in its discretion (i) to monitor your use of the website and information transmitted through the website, (ii) to restrict or foreclose access from certain Internet sites or other resources, and (iii) to take other actions it deems necessary to protect the CITI EQUITY Social Network and its resources. Due to this monitoring, you understand you cannot expect that communications through the website will remain “private” or otherwise free of review. You will refer to the CITI EQUITY Privacy Policy for information concerning expectations of privacy.
5. WITHDRAWAL OR TERMINATION
   At your discretion, you may discontinue your active participation in the CITI EQUITY Social Network, despite availability of this service always remaining available through your account (subject to termination by CITI EQUITY). Additionally, your status as a participant in the CITI EQUITY Social Network, and your access to the website is made available by CITI EQUITY at its sole discretion, and CITI EQUITY may revoke in whole or in part, temporarily or permanently, your status as a member and/or access to the website without notice at any time and for any reason. At any time and without your authorization, CITI EQUITY may terminate your access to your prior postings and comments within your social group(s). While you alone control your participation in the CITI EQUITY Social Network, if you choose to no longer actively participate, CITI EQUITY may, but is under no obligation to, delete prior posts and comments.
   Part of your participation includes your image, along with the image of other participants within your social groups. You agree to allow for use of your image, which you understand will appear within your social groups and within accounts of other participants that are part of your group. CITI EQUITY is under no obligation to remove your image from your account or the accounts of those in your social groups. You grant CITI EQUITY permission to use your image as part of promotional messages for CITI EQUITY, such as within advertisements and communications describing the CITI EQUITY Social Network. CITI EQUITY has no obligation to preserve for any period of time any information you, or any other member has posted on the website through your participation in the CITI EQUITY Social Network.
6. CONTENT AND CONDUCT
   You understand that CITI EQUITY may determine in its sole discretion what constitutes acceptable behavior and activity within the CITI EQUITY Social Network. Without limiting CITI EQUITY’s right to make your participation in the CITI EQUITY Social Network standard and content decisions in its sole discretion, you will not use the CITI EQUITY Social Network to:
   1. Promote, offer for sale or sell any product or service, including, without limitation, any security or other financial or investment product or service.
   2. Send or otherwise post unauthorized commercial communications (such as spam or promotion of commercial services) on the website.
   3. Collect other users’ content or information, or otherwise access the website, using automated means (such as harvesting bots, robots, spiders, or scrapers) or other means CITI EQUITY has not intentionally made available to you through the website without CITI EQUITY’s written permission.
   4. Upload to the website any viruses, Trojan horses, worms, time bombs, or other computer-programming routines that are intended to damage, detrimentally interfere with, or surreptitiously intercept any system, data, or personal information.
   5. Solicit login information or access an account belonging to another user or customer.
   6. Bully, intimidate, or harass any member or post any content to the website that is: hateful, threatening, unlawful, harmful, abusive, tortious, defamatory, false, libelous, vulgar, obscene, invasive of another’s privacy, racially, ethnically or otherwise objectionable, or pornographic; incites violence; or contains nudity or graphic or gratuitous violence.
   7. Post to the website any content or materials that are determined to violate a third-party’s proprietary rights, including, without limitation, patents, trade secrets, copyrights, rights, privacy or publicity, or materials that reveal personal, private or sensitive information about another person, without that person’s consent, or otherwise infringe any third-party’s copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy.
   8. Offer any contest, giveaway, or sweepstakes (“promotion”) on the website.
   9. Do anything that could disable, overburden, or impair the proper working of the website.
   10. Impersonate any person or entity, including, without limitation, an employee or representative of CITI EQUITY.
   11. Engage in manipulative practices designed to obfuscate the true intent of your submissions to the website.
   12. Engage in actions that violate either the letter or spirit of the Terms of Use or any other agreement or terms of use related to the website.
   13. Intentionally or unintentionally engage in activity that: (i) is unlawful, including, without limitation, that violates regulations promulgated by the SEC, FINRA, or other regulatory entities; or (ii) violates contractual or fiduciary obligations, including, without limitation, breach of contract and non-disclosure agreements.
   14. Facilitate, provoke others in order to incite or otherwise encourage any violations of these Terms of Use.
   15. Post to the website any false claims regarding the products or services of CITI EQUITY Investing or others.
   16. Post to the website any links, URLs, obfuscated URLs, or e-mail addresses.
   17. Post to the website any other person’s personally identifiable information.
   18. Attack or abuse the CITI EQUITY Social Network’s moderators.
7. Your participation in or use of services made available on the website, such as the Build Your Own CITI EQUITY service, may require that you comply with additional requirements and limitations, as set forth in the applicable Terms of Use.
   CITI EQUITY will enforce the above wherever it deems necessary and/or appropriate. CITI EQUITY does not control – and does not endorse – the content posted by participants within the CITI EQUITY Social Network. You understand that your participation in the CITI EQUITY Social Network is based on your own decision and at your own risk, and CITI EQUITY Investing expressly disclaims responsibility for the content participants independently post to the CITI EQUITY Social Network. CITI EQUITY, it its sole discretion, has the right, but not the obligation, to review and remove any content submitted or posted to the website. You understand that by accessing the CITI EQUITY Social Network, you may be exposed to material that you deem to be offensive, indecent, obscene or otherwise objectionable. Under no circumstances will you hold CITI EQUITY or any of its respective officers, directors, agents and/or employees liable for any content or information displayed, or made available by participants through the CITI EQUITY Social Network, or for any loss or damage of any kind incurred as a result of your participation and use of the CITI EQUITY Social Network.
   The CITI EQUITY Social Network consists of users posting information and content. You understand that all such information and content contained in the CITI EQUITY Social Network is for informational purposes only and does not constitute a recommendation by CITI EQUITY Investing or its affiliates, or by any other person, to enter into any securities transactions or engage in any of the investment strategies reflected, discussed or suggested in the Social Center or anywhere else on the website (whether such information is posted by CITI EQUITY or otherwise). Participants in Social Groups can and will write about securities and strategies in which they have a financial or other interest, and comments with respect to those securities may be based on what the author believes to be accurate. Performance data reflecting other participants’ holdings may include information about securities held at other firms. While CITI EQUITY will make the service available for users and customer use, it is under no obligation to verify any of the information, claims, performance data, or validate the contents of any Build Your Own CITI EQUITY.
   You understand that CITI EQUITY is not responsible for the accuracy of performance data reflected in other participants’ performance data and you understand that other information provided by participants within a Social Group may not be accurate, may not be current, is not reviewed or edited by CITI EQUITYy Investing to verify for truthfulness, and should not be relied upon as a basis for making investment decisions. If it comes to the attention of CITI EQUITY that performance data may be incorrect or inaccurate, CITI EQUITY may determine it is necessary to take corrective action, up to and including editing or removing performance data or other financial information from view. You acknowledge that you understand the risks of any investment and will carefully research any investment or pursuit of an investment strategy before making any investment decision. You are solely responsible for all investment decisions that you make, or any user makes, in your account.
   Nothing in the CITI EQUITY Social Network is intended as, nor should you rely on it as, investment advice provided by CITI EQUITY or any user.
8. INDEMNITY
   You agree to indemnify, hold harmless, and defend CITI EQUITY and any of its officers, directors, agents and employees from or against, as applicable, any and all claims, actions, demands, liabilities, losses, costs, expenses, damages or suits (including, but not limited to, attorneys’ fees) caused by or arising from your improper use of the website or information you provided to CITI EQUITY, including any information or content that you may post to the website, your violation of the Terms of Use or any related agreements or terms of use, or your account’s infringement or violation of any intellectual property or other rights of any person or entity. You will be responsible for any actions by any user of your account.
9. NO WARRANTIES; LIMITATION OF LIABILITY
   No Warranties
   THE WEBSITE AND THE INFORMATION OR CONTENT CONTAINED ON, POSTED TO OR ACCESSED THROUGH THE WEBSITE ARE PROVIDED “AS-IS” AND “AS AVAILABLE,” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. CITI EQUITY ASSUMES NO OBLIGATION, AND DISCLAIMS ANY DUTY, TO UPDATE ANY SUCH INFORMATION.
   CITI EQUITY MAKES NO WARRANTIES REGARDING THE TIMELINESS, ACCURACY, COMPLETENESS, RELIABILITY, SUITABILITY OR ADEQUACY OF THE INFORMATION, SERVICES, SOFTWARE, TEXT, GRAPHICS, LINKS OR OTHER CONTENT CONTAINED ON OR POSTED TO THE WEBSITE. CITI EQUITY DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR FREE, THAT THE WEBSITE WILL CALCULATE MATHEMATICAL AND/OR FINANCIAL CALCULATIONS CORRECTLY, OR THAT THE WEBSITE WILL OPERATE FREE OF “BLACK OUT” PERIODS. YOU CARRY THE ENTIRE RISK ARISING OUT OF THE USE OR PERFORMANCE OF THE WEBSITE.
   THE INFORMATION AVAILABLE OR OBTAINED THROUGH THE WEBSITE MAY BE SUBJECT TO ADDITIONAL DISCLAIMERS AND LIMITATIONS CONTAINED WITHIN THE WEBSITE AND OTHER DOCUMENTS AND CONTENT, WHICH YOU AGREE TO ABIDE BY AS STATED THEREIN.
10. Limited Liability
    TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CITI EQUITY BE LIABLE FOR ANY DAMAGES INCURRED BY YOU AS A RESULT OF YOUR USE OF THE WEBSITE OR THE INFORMATION OR CONTENT AVAILABLE ON OR POSTED TO THE WEBSITE. WITHOUT LIMITING THE FOREGOING, CITI EQUITY SHALL NOT BE LIABLE FOR ANY CONSEQUENTIAL LOSSES OR DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ANY INVESTMENT RELATED LOSSES, LOST PROFITS, LOSS OF INFORMATION, COSTS ASSOCIATED WITH LOST DATA, OR LOSSES ATTRIBUTED TO THE INABILITY TO USE THE WEBSITE OR ANY HARM RESULTING FROM DOWNLOADING OR ACCESSING INFORMATION ON THE WEBSITE, INCLUDING HARM CAUSED BY VIRUSES OR SIMILAR DESTRUCTIVE FEATURES).
    YOU EXPRESSLY AGREE THAT USE OF THE WEBSITE AND CONTENT IS AT YOUR SOLE RISK. THE PROVISION FOR THE USE OF THE WEBSITE MAY BE SUBJECT TO LIMITATIONS, DELAYS, AND OTHER PROBLEMS INHERENT IN THE USE OF THE INTERNET AND ELECTRONIC COMMUNICATIONS. CITI EQUITY INVESTING SHALL NOT BE RESPONSIBLE FOR ANY DELAYS, DELIVERY FAILURES, OR OTHER DAMAGE RESULTING FROM SUCH PROBLEMS. UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO BREACH OF CONTRACT, TORT, OR NEGLIGENCE, WILL CITI EQUITY BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS) THAT ARISE OUT OF OR ARE RELATED TO YOUR USE OF THE WEBSITE OR THE INFORMATION OR CONTENT AVAILABLE ON OR POSTED TO THE WEBSITE.
11. OTHER PROVISIONS
    1. Severability, Waiver and Effectiveness
       If any provision of these Terms of Use is held to be invalid, void, or unenforceable by reason of any law, rule, administrative order or judicial decision, that determination will not affect the validity of the remaining provisions of these Terms of Use. Except as specifically permitted in these Terms of Use, no provision of these Terms of Use can be, nor will it be deemed to be, waived, altered, modified or amended unless agreed to in writing signed by an authorized officer of CITI EQUITY.
    2. Agreement
       Your intentional action in agreeing to these Terms of Use is evidenced by your participation in the CITI EQUITY Social Network, which, by establishing and participating in a Social Group, demonstrates your consent to be legally bound by these Terms of Use and by other documentation governing your relationship with CITI EQUITY. Your consent to these Terms of Use, which are readily accessible and which you consent to have accessed, read, and understand, fully satisfies any requirement that they be provided to you in writing. You are solely responsible for reviewing and understanding all of the terms and conditions of this document, as may be amended from time to time. You accept as reasonable and proper notice, for the purpose of any and all laws, rules and regulations, notice by electronic means, including, the posting of modifications to these Terms of Use on the website.
       You agree to be bound by these terms, which will pass on to any successor, heir, agent, attorney-in-fact, or legally appointed representative, that acts on your behalf with respect to your account.

CITI EQUITY Build Your Own Terms of Use

These Build Your Own Terms of Use (“Terms of Use”) govern your use of the “Build Your Own” CITI EQUITY service (the “Service”) available through the CITI EQUITY, corp's (“CITI EQUITY Investing”) website (referred to as the “website”), including your use of the Service to create one or more CITI EQUITYs and publish them on the website. You acknowledge receipt of these Terms of Use and agree to check regularly for any amendments to the Terms of Use and other terms of use, customer or other agreements, and statements, which can be easily retrieved in one location within the tab.

CITI EQUITY reserves the right to review and monitor the contents of any Build Your Own CITI EQUITY and block or remove content that it deems inappropriate in its sole discretion. Any such review in no way constitutes a determination that such CITI EQUITY is a sound or advisable investment or substitutes for an individual’s evaluation of whether an investment strategy or security is suitable for such individual.

By accessing the website and creating a Build Your Own CITI EQUITY, you (a) grant to CITI EQUITY Investing a perpetual, royalty-free, worldwide, non-exclusive, irrevocable, transferable license to copy, use, modify and publish your Build Your Own CITI EQUITY(s) (the “Licensed CITI EQUITYs”) and all associated content, in each case as the same may be rebalanced or otherwise modified from time to time, on the website for use by persons accessing the website and to use any such information for its own internal use or in connection with processing trades or related activity, (b) represent and warrant to CITI EQUITY that you are the sole owner of the Licensed CITI EQUITYs and all associated content and have the right to license the same to CITI EQUITY as described in (a), and (c) agree that CITI EQUITY may terminate this license in whole or in part at any time.

You agree to adhere to the requirements embedded in the Service or set forth in these Terms of Use for the development of any CITI EQUITY that you create. Your CITI EQUITY may contain up to 30 individual exchange-listed securities. You may not include in your CITI EQUITY shares of mutual funds, corporate or government bonds, options, or over-the-counter stocks. You must provide a name and description of your Build Your Own CITI EQUITY and may also include a photo to be associated with the CITI EQUITY.

Your creation and publishing of a Build Your Own CITI EQUITY and any content created by you and associated with a Build Your Own CITI EQUITY, including communications by you in the CITI EQUITY Social Network, must adhere to the following code of conduct (in addition to the CITI EQUITY Social Network Terms of Use):

• You will not create or build a CITI EQUITY targeted at a specific individual or class of individual investors. Any CITI EQUITY published pursuant to the Service will be designed for general investor interest and information.
• You will comply with the terms and spirit of the Terms of Use and all other terms of use relating to the website.
  Federal and state securities laws impose licensing and other requirements on investment advisers and brokers. You are solely responsible for complying with those requirements, to the extent that they apply to you. The Service and CITI EQUITY’s Creator Royalty Program are designed with the intent that if you comply with all of the Terms of Use you should not be required to register as an investment adviser under applicable law. However, the laws differ from jurisdiction to jurisdiction and there can be no assurances that this result will be achieved. CITI EQUITY is not providing any legal advice to you with respect to your activities. You should consult with your legal advisor as to whether your activities on the website or your use of the Service will cause you to be an investment adviser or subject you to licensing or registration requirements under the laws that apply to you.
• You will not engage in fraudulent or manipulative practices, including, but not limited to, making false or misleading statements to manipulate the price of any security. You will not trade on the basis of material non-public information or engage in schemes to front-run or pump-and-dump, or engage in any other fraudulent scheme or practice.
• You will not seek to profit from the Service other than through the payment of royalties that CITI EQUITY has agreed to pay you as a publisher of a Build Your Own CITI EQUITY. You will not accept compensation from any person in exchange for including a security of a particular issuer in a CITI EQUITY. Payment of any royalties are made on a scheduled quarterly basis for current, qualified CITI EQUITY customers. You understand when you close your account, you are no longer eligible to receive royalties during the quarter in which the account was closed and going forward. Thus, once your account is closed, you will not receive additional payments for pending royalties or subsequent purchases of CITI EQUITYs that you have built.
• You will limit references to investment performance to information specifically agreed upon by CITI EQUITY from time to time, and you will not make or publish claims about the expected performance of any CITI EQUITY, security or strategy. You will not make any guarantee or similar forward looking statement regarding changes in the values of securities or the performance of a particular CITI EQUITY or strategy. Without limiting the foregoing, you will not characterize a CITI EQUITY or any security as “sure to go up” or “sure to outperform” or make a substantially similar statement or characterization.
• In any of your communications on, through or facilitated by the website, you will not:
  • Refer to yourself as an investment counsel, investment adviser, investment manager, financial planner or any similar term that would imply that you have been engaged by CITI EQUITY or any user as a representative, employee, sub-advisor, or joint venture partner or by any user as a professional adviser;
  • Provide personalized investment advice or recommendations to any person or group of persons. This includes the following:
    • linking any of your CITI EQUITYs to any other CITI EQUITY(s) or securities in a manner that suggests that they constitute an investment program;
    • asking or answering questions relating to a specific individual’s financial or investment situation, objectives or holdings. In this regard, if you are currently receiving or expect to receive any royalty payments or other compensation from CITI EQUITY under its Creator Royalty Program, you agree to limit any discussion in which you engage to the analysis relating to your CITI EQUITY(s) and not how any such CITI EQUITY is expected to perform or otherwise might fit into an individual investment program; or
  • Contact users for the purpose of providing personalized investment advice or for the purpose of soliciting them to buy or sell securities or to become your clients.
• Your editorial content may not: promote or offer for sale any securities, products or services, promote or constitute unlawful activities, attempt to upload or import any harmful contents or viruses, solicit login or other personal information, display obscene, objectionable, harassing, slanderous, vulgar, or threatening information, racially, ethically, or religiously offensive contents, post any contents that violate third-party proprietary rights including patents, trade secrets, copyrights, and personal or sensitive information, offer any contests or giveaways, attempt to gather information from other users or customers, take any actions to disable, overburden, impair, or impede the proper working condition of the website, or impersonate that the you are a representative of CITI EQUITY, or encourage any violations of these Terms of Use.
• You will not use any content or information that infringes on intellectual property of an individual or entity and you will represent that you have received any permissions which may be required for use of any such intellectual property. At times, CITI EQUITY Investing may be required to respond promptly to claims of copyright, trademark, or other intellectual property infringement reported to CITI EQUITY, and you may be held liable for the improper use of any protected material that you have misused, whether intended or not. CITI EQUITY may take any action it deems necessary, including removal of content or restricting of account access, in order to resolve any issue that may arise, in its sole discretion.
• You agree to the maximum limit of CITI EQUITYs you can create for publication to 250, so as not to spam the site with content. You may also remove CITI EQUITYs in order help you manage your total number of CITI EQUITYs created.
• You will not use or disseminate any material non-public information related to the issuer of a security in connection with, among other things, any of your CITI EQUITYs or communications through or on the website.
• You will cooperate with information requests by CITI EQUITY made on behalf of a governmental entity, such as a securities regulator or self-regulatory organization, and you agree that CITI EQUITY may provide to any such person any information available to CITI EQUITY with respect to your conduct and activities.

In order to have access to the Service, you must maintain a brokerage account with CITI EQUITY Investing or be a registered user. Access to the Service is available only through login to the website.

By accessing the Service, you represent to CITI EQUITY that you are acting solely on behalf of yourself and not on behalf of any other person or firm, and that you have never been the subject of a disciplinary action by a securities regulator or self-regulatory organization or been found by a court or regulator to have (or admitted or pled nolo contendere or the equivalent to a court or regulator that you have) violated any federal or state securities laws.

By publishing your Build Your Own CITI EQUITY, you are responsible for not presenting information that can be deemed personal, private, and non-public, including your user identification and password, your physical address and phone number, and your full name , among other information. You will also not post any content that may be considered personal or confidential information that belongs to any other person. You extend permission for CITI EQUITY Investing to use, copy, modify, or repurpose information that you have posted on the website, either now or in the future, without notice or compensation or any other obligation.

THE WEBSITE AND THE INFORMATION OR CONTENT CONTAINED ON, POSTED TO OR ACCESSED THROUGH THE WEBSITE ARE PROVIDED “AS-IS” AND “AS AVAILABLE,” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. CITI EQUITY ASSUMES NO OBLIGATION, AND DISCLAIMS ANY DUTY, TO UPDATE ANY SUCH INFORMATION.

CITI EQUITY MAKES NO WARRANTIES REGARDING THE TIMELINESS, ACCURACY, COMPLETENESS, RELIABILITY, SUITABILITY OR ADEQUACY OF THE INFORMATION, SERVICES, SOFTWARE, TEXT, GRAPHICS, LINKS OR OTHER CONTENT CONTAINED ON OR POSTED TO THE WEBSITE. CITI EQUITY DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR FREE, THAT THE WEBSITE WILL CALCULATE MATHEMATICAL AND/OR FINANCIAL CALCULATIONS CORRECTLY, OR THAT THE WEBSITE WILL OPERATE FREE OF “BLACK OUT” PERIODS. YOU CARRY THE ENTIRE RISK ARISING OUT OF THE USE OR PERFORMANCE OF THE WEBSITE.

THE INFORMATION AVAILABLE OR OBTAINED THROUGH THE WEBSITE MAY BE SUBJECT TO ADDITIONAL DISCLAIMERS AND LIMITATIONS CONTAINED WITHIN THE WEBSITE AND OTHER DOCUMENTS AND CONTENT, WHICH YOU MUST ABIDE BY AS STATED THEREIN.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CITI EQUITY BE LIABLE FOR ANY DAMAGES INCURRED BY YOU AS A RESULT OF YOUR USE OF THE WEBSITE OR THE INFORMATION OR CONTENT AVAILABLE ON OR POSTED TO THE WEBSITE. WITHOUT LIMITING THE FOREGOING, CITI EQUITY SHALL NOT BE LIABLE FOR ANY CONSEQUENTIAL LOSSES OR DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ANY INVESTMENT RELATED LOSSES, LOST PROFITS, LOSS OF INFORMATION, COSTS ASSOCIATED WITH LOST DATA, OR LOSSES ATTRIBUTED TO THE INABILITY TO USE THE WEBSITE OR ANY HARM RESULTING FROM DOWNLOADING OR ACCESSING INFORMATION ON THE WEBSITE, INCLUDING HARM CAUSED BY VIRUSES OR SIMILAR DESTRUCTIVE FEATURES).

YOU EXPRESSLY AGREE THAT USE OF THE WEBSITE AND CONTENT IS AT YOUR SOLE RISK. THE PROVISION FOR THE USE OF THE WEBSITE MAY BE SUBJECT TO LIMITATIONS, DELAYS, AND OTHER PROBLEMS INHERENT IN THE USE OF THE INTERNET AND ELECTRONIC COMMUNICATIONS. CITI EQUITY SHALL NOT BE RESPONSIBLE FOR ANY DELAYS, DELIVERY FAILURES, OR OTHER DAMAGE RESULTING FROM SUCH PROBLEMS. UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO BREACH OF CONTRACT, TORT, OR NEGLIGENCE, WILL CITI EQUITY BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS) THAT ARISE OUT OF OR ARE RELATED TO YOUR USE OF THE WEBSITE OR THE INFORMATION OR CONTENT AVAILABLE ON OR POSTED TO THE WEBSITE.

If any provision of these Terms of Use is held to be invalid, void, or unenforceable by reason of any law, rule, administrative order or judicial decision, that determination will not affect the validity of the remaining provisions of these Terms of Use. Except as specifically permitted in these Terms of Use, no provision of these Terms of Use can be, nor will it be deemed to be, waived, altered, modified or amended unless agreed to in writing signed by an authorized officer of CITI EQUITY.

Your intentional action in agreeing to these Terms of Use is evidenced by your participation in the Service, which, by creating and/or publishing a Build Your Own CITI EQUITY, demonstrates your consent to be legally bound by these Terms of Use and by other documentation governing your relationship with CITI EQUITY. Your consent to these Terms of Use, which are readily accessible and which you consent to have accessed, read, and understand, fully satisfies any requirement that they be provided to you in writing. You are solely responsible for reviewing and understanding all of the terms and conditions of this document, as may be amended from time to time. You accept as reasonable and proper notice, for the purpose of any and all laws, rules and regulations, notice by electronic means, including, the posting of modifications to these Terms of Use on the website.

You agree to indemnify, hold harmless, and defend CITI EQUITY and any of its officers, directors, agents and employees from or against, as applicable, any and all claims, actions, demands, liabilities, losses, costs, expenses, damages or suits (including, but not limited to, attorneys’ fees) caused by or arising from your improper use of the website or information provided to CITI EQUITY by you, including any information or content that you may post to the website, your violation of the Terms of Use or any related agreements or terms of use, or your or any user of your account’s infringement or violation of any intellectual property or other rights of any person or entity. You will be responsible for any actions by any user of your account.

You agree to be bound by these terms, which will pass on to any successor, heir, agent, attorney-in-fact, or legally appointed representative, that acts on your behalf with respect to your account.

You agree that your ability to access an electronic version of these Terms of Use fully satisfies any requirement that the Terms of Use be provided to you by e-mail or in writing. These Terms of Use are available to be viewed at all times at www.motif.com.

Version 092013-04