TERMS OF USE

Your Use of IIB Development Group websites

We hope that your visit to this website is enjoyable and of value to you. We also hope that you will return frequently and use it for a variety of services. IIB Development Group (together with its subsidiaries) makes all reasonable efforts to ensure that the information contained on this website is accurate and reliable; however, errors sometimes occur. You should note that the materials on this website are provided “as is” without any express or implied warranties. IIB Development Group does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the servers that make it available are free from viruses or other harmful components. IIB Development Group does not warrant or represent that the materials on this website are correct, accurate, or reliable. You (and not IIB Development Group) assume the entire cost of all necessary servicing, repair, or correction of your property or operations as a result of using this website.

IIB Development Group and its affiliates disclaim, to the fullest extent permitted by law, all express and implied warranties of merchantability, fitness for a particular purpose, and non-infringement. If you live in a state that does not allow disclaimers of implied warranties, our disclaimer may not apply to you.

By using this website, you accept at your own risk that the Internet and online communications medium may not perform as intended despite the efforts of IIB Development Group , your Internet Service Provider, and you.

You are not authorized to post on or transmit to or from this website any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

Reference to a fund or security anywhere on this website is not intended to constitute research and should not be construed as a recommendation to buy, sell, or hold that or any other security, except where an express offer is permissibly made.

Security prices are provided for your information only. They are based upon information that we consider reliable, but we do not represent that they are accurate or complete, and they should not be relied upon as such.

Hyperlinks to Other Websites

We may occasionally provide “hyperlinks,” also known just as “links,” to other companies’ websites. We provide these links when we think there are other websites that may interest or educate you. This is done as a convenience to you and should not be construed as an endorsement of any website, company, product or service by IIB Development Group . Your following links from or to third party websites is at your sole risk. While we make every attempt to provide links only to those websites we think are worthwhile and accurate, we cannot be responsible for the content or accuracy of the information presented on those websites and we specifically disclaim any liability for any loss or damages which you may incur, directly or indirectly, as a result of your use of them. We reserve the right to terminate a link to a third party website at any time.

You may not create a link from a third party website to this website without the prior written permission of IIB Development Group . With the prior written permission of IIB Development Group , links from another web site to this site must resolve to the top-level homepage of a IIB Development Group domain. In order to avoid confusion, if you do link from another website to a IIB Development Group top-level homepage, your website, and the link itself, may not suggest that IIB Development Group endorses, sponsors or is affiliated with any non-IIB Development Group website, entity, service or product, and may not make use of any IIB Development Group trademarks or service marks other than those contained within the text of the link.

Copyrights and Trademarks

This website’s content is protected by U.S. and worldwide copyright and trademark laws and treaty provisions. By using this website, we do not grant you any rights to copy, reproduce, distribute, modify, post, frame-in, sell or license any of the content contained herein, except that you may print a copy of the information contained herein for your personal use only. You may not reproduce or distribute the text or graphics to others or copy all or substantially all of the content to your own hard drive or server. You also may not create a link from a third party website to this website without the prior written permission of IIB Development Group .

IIB Development Group , the IIB Development Group logo, and all related names, logos, product and service names, designs, and slogans are trademarks of IIB Development Group or its affiliates or licensors (“IIB Development Group Marks”), except third party trademarks and service marks which are the property of their respective owners. You must not use any such marks without the prior written permission of IIB Development Group or the respective owners.

Any use of IIB Development Group Marks by third parties must be preceded by written permission from IIB Development Group and must be used in the form and with the registered service mark designation as indicated.

Forward-Looking Statements

Statements made on our website and in other material in our Company Information area that look forward in time are forward-looking statements. You can identify these forward-looking statements by the use of words such as “outlook,” “believe,” “expect,” “potential,” “continue,” “may,” “should,” “seek,” “approximately,” “predict,” “intend,” “will,” “plan,” “estimate,” “anticipate” or the negative version of these words or other comparable words. Forward-looking statements are subject to various risks and uncertainties. Such risks and uncertainties include, without limitation, the adverse effect from a decline in the securities markets or a decline in IIB Development Group ’s products’ performance, a general downturn in the economy, competition from other companies, changes in government policy or regulation, inability of IIB Development Group to attract or retain key employees, inability of IIB Development Group to implement its operating strategy and acquisition strategy, inability of IIB Development Group to manage rapid expansion and unforeseen costs and other effects related to legal proceedings or investigations of governmental and self-regulatory organizations.

Reuters Content

Reuters content is the intellectual property of Reuters. Any copying, republication or redistribution of Reuters content, including by caching, framing or similar means, is expressly prohibited without the prior written consent of Reuters. Reuters shall not be liable for any errors or delays in content, or for any actions taken in reliance thereon. Reuters, the Reuters Logo and the Sphere Logo are registered trademarks of the Reuters group of companies around the world. For additional information on other Reuters Services please visit the Reuters public web site – www.reuters.com

Please note that Reuters provides these news articles as a courtesy to nb.com users. IIB Development Group has no editorial control over the content or subject matter and does not agree or disagree with any recommendations, advice, or conclusions made therein. IIB Development Group assumes no responsibility whatsoever for the articles’ completeness, accuracy or timeliness. We caution our website users not to use these articles for other than general informational purposes. The IIB Development Group copyright does not pertain to any Reuters news article appearing on our website.

Miscellaneous Provisions

A portfolio managers’ views may vary from those of other portfolio managers as well as the views of IIB Development Group . Generally, IIB Development Group accounts are managed based upon each client’s needs and objectives. Individual account holdings and characteristics may vary since investment objectives, tax considerations and other factors differ from account to account. Portfolio characteristics are subject to change without notice.

The past performance of any account or fund managed by IIB Development Group is not indicative of its future results. The value of your investment, when sold, may be worth more or less than the original cost.

Material contained on this website should not be considered legal, tax, investment, financial or other professional advice. In preparing the information contained on this website, IIB Development Group has not taken into account the investment needs, objectives of any particular investor. You are advised not to rely on any information contained on this website in the process of making an informed the decision. Decisions based on information contained within this website are your sole responsibility, and before making any decision on the basis of that information, you should consider, with or without the assistance of a securities adviser or other adviser, whether the information is appropriate in light of your particular investment needs, objectives and financial circumstances.

The information provided herein is not directed at any investor or category of investors and is provided solely as general information about our products and services and to otherwise provide general investment education. No information contained herein should be regarded as a suggestion to engage in or refrain from any investment-related course of action as IIB Development Group (and its affiliates, “IIB Development Group ”) is not undertaking to provide impartial investment advice, act as an impartial adviser, or give advice in a fiduciary capacity with respect to the materials presented herein. If you are an individual retirement investor, contact your financial advisor or other non-IIB Development Group fiduciary about whether any given investment idea, strategy, product or service described herein may be appropriate for your circumstances.

IIB Development Group data, including employee and assets under management figures, reflect collective data for the various affiliated investment advisers that are subsidiaries of IIB Development Group . IIB Development Group history and timelines includes the history and business expansions of all IIB Development Group subsidiaries, including predecessor entities and acquisition entities. Investment professionals referenced include portfolio managers, research analysts/associates, traders, and product specialists and team dedicated economists/strategists.

Your Acceptance of these Terms

These terms of use apply regardless of the channel by which you accessed this website. Your use of this website constitutes your acceptance of the terms contained herein, and you may not use this website unless you agree with these terms of use. You may reject these terms by leaving the website at any time.

Jurisdictional Issues and Applicable Law

The laws of the State of New York applicable U.S. federal law shall govern these terms of use. If you take legal action relating to these terms of use, you agree to file such action only in state or federal court within the State of New York, and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such actions. If any part of these terms of use is or becomes unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. You agree that any cause of action you have with respect to your use of this website must be commenced within one (1) year after the claim or cause of action arises, or it will be deemed to have been waived.