IMPORTANT - READ CAREFULLY: This Online Account Access Agreement (this "Agreement") is a legal contract between you and Hemenway & Barnes LLP and/or Hemenway Trust Company (collectively, "Hemenway") for your online access to and use of the Hemenway & Barnes Fiduciary Services/Hemenway Trust Company Site (the "Site").

BY CLICKING ON THE "ACCEPT" BUTTON BELOW, OR BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THE TERMS OF THIS AGREEMENT WITH RESPECT TO YOUR ACCESS TO AND USE OF THE SITE, INCLUDING THE WARRANTY DISCLAIMERS, LIMITATIONS OF LIABILITY AND TERMINATION PROVISIONS SET FORTH BELOW.

IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, DO NOT CLICK "ACCEPT", DO NOT USE THE SITE, AND EXIT NOW.

INFORMATION PROVIDED "AS IS"

The information provided on this Site is provided "AS IS" and is for informational purposes only. The information is historical and does not necessarily reflect current security or cash equivalent balances in your account. The information provided does not supersede or replace your account statements from Hemenway and should not be relied upon for tax purposes. While Hemenway seeks to provide accurate and timely information, there may be inadvertent technical or factual inaccuracies and typographical errors, for which we apologize.

ACCOUNT ACCESS AND SECURITY

You will receive a login ID and password only in respect of the Hemenway account(s) of which you are the owner, trustee or beneficiary. The selection of a password and the protection of your login ID and password are your responsibility. You shall be solely responsible for any use which is made of your login ID and password and Hemenway shall have no liability for any unauthorized use or access to your account information which results from your dissemination of, or failure to adequately protect, your login ID and password.

TERMINATION OF USAGE

Hemenway may terminate your access, or suspend your access to all or part of the Site, without notice, for any conduct that Hemenway, in its sole discretion, believes is in violation of any applicable law or is harmful to the interests of Hemenway or of a third party.

LIMITATIONS; NO WARRANTIES

We reserve the right to make changes and corrections at any time, without notice. The information provided on this Site is provided without warranties of any kind, either expressed or implied, and Hemenway disclaims all warranties, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Hemenway does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links or other items contained on this Site, and Hemenway expressly disclaims all liability for errors and omissions in these materials and for the use or interpretation by others of information contained on this Site.

Neither Hemenway nor any of its affiliates, partners or employees, nor any third party vendor retained by Hemenway, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this Site, or resulting from the act or omission of any other party involved in making this Site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of this Site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of Hemenway or of any vendor providing software or support services for this Site. In no event will Hemenway, its affiliates or any such parties be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if Hemenway or any other party have been advised of the possibility thereof.

Nothing contained in this Site constitutes legal, tax or investment advice. Neither the information nor any opinion contained in this Site constitutes a solicitation or offer by Hemenway or its affiliates to buy or sell any securities, futures, options or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Decisions based on information contained on this Site are the sole responsibility of the user, and in exchange for using the Site, you agree to hold Hemenway harmless from and against any claims for damages arising from any decisions that you may make based on such information. All information posted on this Site is current only as of the date of its posting, and Hemenway undertakes no obligation to update any information to reflect events or circumstances after the date of such posting.

RESTRICTIONS ON USE OF MATERIALS

This Site is owned and operated by Hemenway. Permission is granted to display and navigate this Site with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this Site or any portion hereof is strictly prohibited.

Except as otherwise permitted by Hemenway, no materials from this Site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Site, including any text, images, audio or video, for public or commercial purposes, without Hemenway’s prior written permission. Modification or use of the materials for any other purpose violates Hemenway’s intellectual property rights.

Hemenway neither warrants nor represents that your use of materials displayed on this Site will not infringe rights of third parties not owned by or affiliated with Hemenway.

ELECTRONIC MAIL

Electronic mail (email) submitted to this Site should be considered neither secure nor confidential. Hemenway makes no representation whatsoever concerning the security or confidentiality of your email messages and specifically makes no representation that any email message submitted through this Site will be received by Hemenway.

Any communications or material you transmit to this Site by electronic mail or otherwise, including data, questions, comments or suggestions, will be treated as non-confidential and nonproprietary and will become the property of Hemenway or its affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, Hemenway is free to use any ideas, concepts, know-how or techniques contained in any communication you send to this Site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARKS AND COPYRIGHTS

All trademarks, service marks, trade names, and logos displayed on this Site are proprietary to Hemenway or its licensors. Nothing contained on the Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark displayed on this Site without the written permission of Hemenway or such third party that may own the trademarks displayed on this Site. Your use of the trademarks displayed on this Site, except as provided herein, is strictly prohibited.

Images displayed on this Site are either the property of, or used with permission by, Hemenway. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. If you download any information or software from this Site, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

USE OF LINKS

Should you leave this Site via a link contained herein, and view content that is not provided by Hemenway, you do so at your own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by Hemenway. Hemenway is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such Site, whether actual, alleged, consequential or punitive. Hemenway makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

JURISDICTION AND GOVERNING LAW

This Site is controlled and operated by Hemenway from its offices within the Commonwealth of Massachusetts, United States of America. Hemenway makes no representation that materials on the Site are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the materials on this Site in violation of U.S. export laws and regulations.

The information provided on this Site is 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 Hemenway or its affiliates to any registration requirement within such jurisdiction or country.

The laws of the Commonwealth of Massachusetts govern these terms of use. If you take legal action relating to these terms of use, you agree to file such action only in the federal and state courts located in Boston, Massachusetts, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any such action.

INTEGRATION AND SEVERABILITY

If any provision of these terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions. The preceding sections represent the entire agreement between Hemenway and the user relating to the subject matter herein.

FDIC DISCLAIMER

Securities (including shares of mutual funds), alternative investments, and other investment products are not bank deposits and are not insured by the FDIC or any other agency of the United States, nor are they obligations of, or insured or guaranteed by, Hemenway or any of its subsidiaries or affiliates. Securities (including shares of mutual funds) and other investments involve investment risks, including the possible loss of value. The information and materials contained in this Site - and the terms of the access to and use of such information and materials - are subject to change without notice. Your eligibility for particular investment options or services is subject to final Hemenway determination and acceptance.

Copyright © 2012 Hemenway & Barnes LLP. All rights reserved.