The MFOW Money Purchase Pension Plan Participant Benefit Website is comprised of various Web pages operated by MFOW Money Purchase Pension Plan Participant Benefit Website.

The MFOW Money Purchase Pension Plan Participant Benefit Website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein as well as the Privacy Statement. Your use of the MFOW Money Purchase Pension Plan Participant Benefit Website constitutes your agreement to all such terms, conditions, and notices. These terms and conditions are our Terms of Use and represent a legally binding agreement between MFOW Money Purchase Pension Plan and yourself regarding your use of this website. It is important that you periodically review this agreement. Your continued use implies that you accept any and all changes made to this agreement.

MFOW Money Purchase Pension Plan Participant Benefit Website reserves the right to change the terms, conditions, and notices under which the MFOW Money Purchase Pension Plan Participant Benefit Website is offered, including but not limited to the charges associated with the use of the MFOW Money Purchase Pension Plan Participant Benefit Website.

MFOW Money Purchase Pension Plan Participant Benefit Website reserves the right to change the terms, conditions, and notices under which the MFOW Money Purchase Pension Plan Participant Benefit Website is offered, including but not limited to the charges associated with the use of the MFOW Money Purchase Pension Plan Participant Benefit Website.

As a condition of your use of the MFOW Money Purchase Pension Plan Participant Benefit Website, you warrant to MFOW Money Purchase Pension Plan Participant Benefit Website that you will not use the MFOW Money Purchase Pension Plan Participant Benefit Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the MFOW Money Purchase Pension Plan Participant Benefit Website in any manner which could damage, disable, overburden, or impair the MFOW Money Purchase Pension Plan Participant Benefit Website or interfere with any other party's use and enjoyment of the MFOW Money Purchase Pension Plan Participant Benefit Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the MFOW Money Purchase Pension Plan Participant Benefit Website.

The MFOW Money Purchase Pension Plan Participant Benefit Website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

MFOW Money Purchase Pension Plan Participant Benefit Website has no obligation to monitor the Communication Services. However, MFOW Money Purchase Pension Plan Participant Benefit Website reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. MFOW Money Purchase Pension Plan Participant Benefit Website reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

MFOW Money Purchase Pension Plan Participant Benefit Website reserves the right at all times to disclose any information as 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 MFOW Money Purchase Pension Plan Participant Benefit Website's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. MFOW Money Purchase Pension Plan Participant Benefit Website does not control or endorse the content, messages or information found in any Communication Service and, therefore, MFOW Money Purchase Pension Plan Participant Benefit Website specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized MFOW Money Purchase Pension Plan Participant Benefit Website spokespersons, and their views do not necessarily reflect those of MFOW Money Purchase Pension Plan Participant Benefit Website.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

MFOW Money Purchase Pension Plan Participant Benefit Website does not claim ownership of the materials you provide to MFOW Money Purchase Pension Plan Participant Benefit (including feedback and suggestions) or post, upload, input or submit to any MFOW Money Purchase Pension Plan Participant Benefit Website or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting MFOW Money Purchase Pension Plan Participant Benefit Website, its affiliated companies and necessary sub licenses permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. MFOW Money Purchase Pension Plan Participant Benefit Website is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in MFOW Money Purchase Pension Plan Participant Benefit Website's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE MFOW Money Purchase Pension Plan Participant Benefit Website MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. MFOW Money Purchase Pension Plan Participant Benefit Website AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE MFOW Money Purchase Pension Plan Participant Benefit Website AT ANY TIME. ADVICE RECEIVED VIA THE MFOW Money Purchase Pension Plan Participant Benefit Website SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

MFOW Money Purchase Pension Plan Participant Benefit Website AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE MFOW Money Purchase Pension Plan Participant Benefit Website FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. MFOW Money Purchase Pension Plan Participant Benefit Website AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MFOW Money Purchase Pension Plan Participant Benefit Website AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE MFOW Money Purchase Pension Plan Participant Benefit Website, WITH THE DELAY OR INABILITY TO USE THE MFOW Money Purchase Pension Plan Participant Benefit Website OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE MFOW Money Purchase Pension Plan Participant Benefit Website, OR OTHERWISE ARISING OUT OF THE USE OF THE MFOW Money Purchase Pension Plan Participant Benefit Website, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF MFOW Money Purchase Pension Plan Participant Benefit Website OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE MFOW Money Purchase Pension Plan Participant Benefit Website, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE MFOW Money Purchase Pension Plan Participant Benefit Website.

MFOW Money Purchase Pension Plan Participant Benefit Website reserves the right, in its sole discretion, to terminate your access to the MFOW Money Purchase Pension Plan Participant Benefit Website and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of California, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in San Francisco and Alameda County, California, U.S.A. in all disputes arising out of or relating to the use of the MFOW Money Purchase Pension Plan Participant Benefit Website. Use of the MFOW Money Purchase Pension Plan Participant Benefit Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and MFOW Money Purchase Pension Plan Participant Benefit Website as a result of this agreement or use of the MFOW Money Purchase Pension Plan Participant Benefit Website. MFOW Money Purchase Pension Plan Participant Benefit Website's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of MFOW Money Purchase Pension Plan Participant Benefit Website's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the MFOW Money Purchase Pension Plan Participant Benefit Website or information provided to or gathered by MFOW Money Purchase Pension Plan Participant Benefit Website with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and MFOW Money Purchase Pension Plan Participant Benefit Website with respect to the MFOW Money Purchase Pension Plan Participant Benefit Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and MFOW Money Purchase Pension Plan Participant Benefit Website with respect to the MFOW Money Purchase Pension Plan Participant Benefit Website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

All contents of the MFOW Money Purchase Pension Plan Participant Benefit Website are: Copyright by BeneSys, Inc. and/or its suppliers. All rights reserved.

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.