TERMS OF USE

Please carefully read the following terms and conditions ("Terms of Use") for use of the Cachematrix website ("Site"). By accessing this Site you agree to these Terms of Use, below.

Unauthorized use of websites and systems of Cachematrix Software Solutions LLC ("Cachematrix"), including, but not limited to unauthorized entry into Cachematrix's systems, misuse of passwords, or misuse of any information located on the Site ("Information") posted, is strictly prohibited.

Use of this Site may be monitored. Based on your use of this Site, you consent to such monitoring. In circumstances where locations of the Site require identification, you will establish reasonable security procedures and controls to limit access to your password or other identifying credentials to only authorized individuals.

1. SERVICES PROVIDED

Cachematrix provides you with electronic access, through your computer or other electronic device (collectively "Computer"), to the Information, including, but not limited to, the provision of Information through the Site by means of an unaffiliated Internet service provider (the "Provider"). Cachematrix may cancel or change the Information at any time with or without printed or electronic notice. Your continued use of the Information following the posting or other notice of any changes will constitute your acceptance of such changes. You agree not to attempt to connect to the Site, to use the Information or to view any of the Information, if you do not agree to the Terms of Use.

2. POTENTIAL DISRUPTION OF SERVICE

Access to the Site may from time to time be unavailable, delayed, limited, or slowed due to, among other things:

a) Hardware failure, including among other things failures of computers (including your own Computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment; software failure, including among other things bugs, errors, viruses, configuration problems, incompatibility of systems, utilities, or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular Information, documents or other content;

b) Overload of system capacities;

c) Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown, or natural disasters;

d) Interruption (whether partial or total) of power supplies or other utility of service;

e) Strike or other stoppage (whether partial or total) of labor;

f) Governmental or regulatory restrictions, exchange rulings, court or tribunal orders, or other human intervention; or

g) Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Cachematrix.

3. PROPERTY RIGHTS IN INFORMATION AND SERVICES; SUITABILITY AND COMPLIANCE WITH LAW

A. Any Information provided through the Site is being provided by Cachematrix only for your own use and display. You may download the Information to the Computer and print out a hard copy for your personal reference, provided that you agree not to remove any copyright or other notices contained therein.

B. The Information is the property of Cachematrix or its licensors, and is protected by applicable copyright, patent, trademark and/or other intellectual property laws. Except as expressly authorized herein, you may not reproduce, copy, transmit, sell, license, display, distribute, publish, broadcast, circulate, modify, disseminate, or commercially exploit such Information provided in any manner (including electronic, print or any other media now known or hereafter developed) without the written consent of Cachematrix. You also agree not to use the Information for any unlawful purpose, and you shall comply with any request of Cachematrix or any of the third party providers to protect their respective rights in the Information.

C. Although the Information may include material about the investment process generally, as well as research commentary relating to specific money market funds, Cachematrix is not providing investment advice through the Site and does not represent that any such funds are suitable for you or your clients. In addition, you agree to make your own independent evaluation of the investment merits and suitability for you and your clients of any such funds. Such information shall not be deemed to be a solicitation of a transaction by Cachematrix or any third party provider. Information contained on the Site may reflect individual authors' analyses as of the published date. You and/or other individuals may have different, and possibly less favorable, analyses. The accuracy, completeness or timeliness of such Information cannot be guaranteed, and is subject to change without notice. Reliance upon any Information or statement contained in the Site, or on any links from this Site to any third-party site, shall be at your risk. Neither Cachematrix, nor any affiliated entity of Cachematrix, nor any of their respective agents, employees, or information providers shall be liable to you or anyone else for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, alteration, or use of any content herein, regardless of cause. Neither Cachematrix nor any third-party provider is under an obligation to update the Information. You also acknowledge that the Information will not be used by you as any tax, legal or other advice.

D. In the event you use the Site, the Information, or the links included on the Site to gain access to any other website, Internet location or source of information of any third-party company (collectively, "Third-Party Site"), organization or person other than Cachematrix, you acknowledge that such Third-Party Sites are not under the control of Cachematrix, you agree that Cachematrix shall not be responsible for any information or other links found at any such Third-Party Sites or for your use of such information, and you agree that Cachematrix does not endorse such Third-Party Sites. Cachematrix provides such links only as a convenience to you, and has not tested any software or verified any information found at such Third-Party Sites. The fact that Cachematrix has provided a link to another Third-Party Site does not signify an endorsement of the Third-Party Site or its contents by Cachematrix. There are inherent risks in the use of any software or information found on the Internet, and you acknowledge that you understand these risks before making any use of the Site or the Information.

E. Transmission or use of any material in violation of the Terms of Use, or any applicable law, rule or regulation (whether of the United States or other countries), or the rights of any third party is prohibited. This includes, but is not limited to, protected material, material that is defamatory, threatening, obscene, lewd and indecent, material protected by trademark, trade secret, or patent laws, and/or material that may result in disclosure of personal information and/or invasion of privacy.

4. WARRANTIES AND LIMITATION OF LIABILITY REGARDING THE INFORMATION

A. THE ACCURACY, COMPLETENESS, SEQUENCE OR TIMELINESS OF THE INFORMATION IS NOT GUARANTEED. CACHEMATRIX AND ITS AFFILIATES, AGENTS AND LICENSORS SHALL NOT HAVE ANY RESPONSIBILITY FOR DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, OR OTHER DAMAGES YOU MAY INCUR FROM ANY RELIANCE BY YOU ON INFORMATION OR FOR THE RELIABILITY, ACCURACY, COMPLETENESS, SEQUENCE OR TIMELINESS THEREOF, OR FOR ANY DELAYS OR ERRORS IN THE TRANSMISSION OR DELIVERY OF ANY PART OF THE INFORMATION, OR FOR ANY UNAUTHORIZED USE BY YOU OF THE SITE.

B. EXCEPT AS EXPRESSLY SET FORTH IN THE TERMS OF USE, CACHEMATRIX AND ITS AFFILIATES, AGENTS AND LICENSORS HEREBY EXPRESSLY DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, MARKETABILITY, PROFITABILITY, SUITABILITY, NONINFRINGEMENT, SECURITY, NONINTERFERENCE, TITLE, ACCURACY, ERROR-FREE AND UNINTERRUPTED SERVICES, AND ANY WARRANTY ARISING FROM ANY COURSE OF DEALING, TRADE PRACTICE OR COURSE OF PERFORMANCE. CACHEMATRIX DOES NOT WARRANT, GUARANTY, OR MAKE ANY REPRESENTATIONS OR WARRANTIES WHATSOEVER, EXPRESS OR IMPLIED, OR ASSUME ANY LIABILITY TO YOU REGARDING (i) THE USE OR THE RESULTS OF THE USE OF THE INFORMATION, INCLUDING, WITHOUT LIMITATION, ANY FINANCIAL RESULTS BASED ON USE OF THE INFORMATION OR ANY DELAY OR LOSS OF USE OF THE INFORMATION, OR (ii) SYSTEM PERFORMANCE AND EFFECTS ON OR DAMAGES TO SOFTWARE AND HARDWARE IN CONNECTION WITH ANY USE OF THE SITE OR INFORMATION.

C. IN ADDITION TO, AND WITHOUT LIMITING THE FOREGOING, CACHEMATRIX SHALL NOT BE LIABLE FOR ANY HARM CAUSED BY THE TRANSMISSION OF A COMPUTER VIRUS OR OTHER COMPUTER CODE OR PROGRAMMING DEVICE THAT MIGHT BE USED TO ACCESS, MODIFY, DELETE, DAMAGE, CORRUPT, DEACTIVATE, DISABLE, DISRUPT, OR OTHERWISE IMPEDE IN ANY MANNER THE AVAILABILITY OF THE INFORMATION OR ANY OF YOUR COMPUTER, SOFTWARE, HARDWARE, DATA OR PROPERTY.

D. IN ADDITION TO AND WITHOUT LIMITING THE FOREGOING, CACHEMATRIX MAKES NO REPRESENTATION AND ASSUMES NO LIABILITY REGARDING THE QUALITY, SAFETY, ACCURACY, OR SUITABILITY OF ANY INFORMATION OR SOFTWARE FOUND ON ANY OTHER SITE NOT UNDER CACHEMATRIX'S DIRECT AND IMMEDIATE CONTROL.

E. CACHEMATRIX AND ITS AFFILIATES, AGENTS AND LICENSORS SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES INCURRED BY YOU RELATED IN ANY WAY TO YOUR USE OF THE INFORMATION. EXCEPT AS OTHERWISE PROVIDED BY LAW, CACHEMATRIX SHALL HAVE NO LIABILITY FOR LOSSES CAUSED BY THE NEGLIGENCE, ACTIONS OR FAILURE TO ACT BY CACHEMATRIX OR ANY THIRD-PARTY, AND TO THE EXTENT PERMITTED BY LAW, NEITHER CACHEMATRIX NOR ANY THIRD-PARTY SHALL BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (REGARDLESS OF WHETHER SUCH DAMAGES ARE REASONABLY FORESEEABLE), OR FOR ANY LOSS THAT RESULTS FROM A CAUSE OVER WHICH CACHEMATRIX OR ANY OTHER SUCH ENTITY DOES NOT HAVE CONTROL, INCLUDING, BUT NOT LIMITED TO, FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT, UNAUTHORIZED ACCESS, STRIKES, FAILURES OF COMMON CARRIER OR UTILITY SYSTEMS, SEVERE WEATHER, AND/OR OTHER CAUSES COMMONLY KNOWN AS "ACTS OF GOD".

5. PROHIBITED ACTIVITIES

In using the Site, you agree not to:

a) Misrepresent your identity in any way or use any login credentials not assigned to you;

b) Violate or attempt to violate the security of this Site. Any such violations may result in criminal and/or civil penalties against you. We may investigate any suspected violation and, if a criminal violation is suspected, we will cooperate with law enforcement agencies in their investigations;

c) Send or otherwise transmit to or through this Site any unlawful, infringing, harmful, inappropriate, or otherwise objectionable material of any kind, any material that can cause harm or delay to this Site or computers of any kind, and any unsolicited advertising, solicitation, or promotional materials;

d) Reverse engineer, disassemble, or decompile any section or technology on the Site;

e) Launch or use any automated system, including without limitation "robots," "spiders," or "offline readers," that access the Site in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional web browser;

f) Send or otherwise transmit to or through the Site chain letters, unsolicited messages, "spamming" or "phishing" messages, or messages marketing or advertising goods and services; or

g) Violate any applicable laws, regulations or Terms of Use.

6. RELATIONSHIPS TO ONLINE BANKING SERVICES

If you are enrolled in online banking services, your use of such online banking services is governed by your agreement with your bank. If there is a conflict between these Terms of Use and your agreement with your bank, these Terms of Use shall be controlling.

7. YOUR REPRESENTATIONS AND WARRANTIES

You hereby represent and warrant that you are of the age of majority, and that you shall abide by all of the terms and conditions within these Terms of Use.

8. CONFIDENTIALITY

Cachematrix shall use reasonable precautions to maintain the confidentiality of the information you have provided to Cachematrix and information you have created, input or developed in connection with your use of the Information, but because such information can be accessed through the Internet, you hereby acknowledge and agree that there can be no assurance that the information, and material provided to you through the Site will remain secure. In addition, Cachematrix may disclose such information to its employees, representatives, officers, agents and affiliates, as well as a government entity or any other third-party agent or data or information provider: (a) for any purpose related to the conduct of Cachematrix's business or to the offering, providing, or maintaining of the Site; (b) to comply with applicable rules, orders, subpoenas or other legal process, or in order to give information to any government agent or official requesting such information; and/or (c) for any other legitimate business purpose.

9. GOVERNING LAW

In the event any of the terms or conditions of these Terms of Use shall be held to be unenforceable, the remaining terms and conditions shall remain in full force and effect. These Terms of Use shall be subject to any other agreements you have entered into with your bank. The laws of the State of Colorado, without regard for its choice of law rules, govern the user's access to and use of the Site and these Terms of Use.

10. TERMINATION

Cachematrix may terminate your access to the Site at any time with or without notice. Cachematrix may discontinue or change the Information, or its availability to you, at any time. Paragraphs 4, 8, 9 and 13 shall survive the termination of these Terms of Use.

11. ASSIGNMENT

The redistribution of the Information is not permitted under any circumstances. These Terms of Use and your rights and obligations hereunder may not be assigned by you. Cachematrix may assign these Terms of Use or any of the rights or obligations under them to a company affiliated with Cachematrix, or to a successor, an assignee or any other third party.

12. MISCELLANEOUS

A.These Terms of Use represent the complete and exclusive statement of the agreement and understanding between you and Cachematrix, regarding your rights to access and use the Information and the Site, and supersedes all prior and contemporaneous Terms of Use and representations regarding such subject matter. Except as herein provided, no waiver, modification or amendment of any provision of the Terms of Use shall be effective against Cachematrix unless the same is in writing and signed by an authorized official of Cachematrix. Cachematrix may modify these terms and conditions at any time with or without written notice or by posting the change or amendment electronically to the Site. You agree that, if you use the information after such notification of changes in the Terms of Use, you will be bound to all such changes. At the time of such modification, you will have the opportunity to reject such modification, which rejection shall constitute a termination of your rights to access and use the Site and Information. Should any term or provision of the Terms of Use be deemed or held to be invalid or unenforceable, the remaining terms and provisions shall continue in full force and effect. Cachematrix reserves the right, in its sole discretion, to deny access by any user to the Site or Information, or any portion thereof.

B. Cachematrix's failure to insist at any time upon strict compliance with any term of the Terms of Use, or any delay or failure on the part of Cachematrix to exercise any power or right given to Cachematrix in the Terms of Use, or a continued course of such conduct on the part of Cachematrix, shall at no time operate as a waiver of such power or right, nor shall any single or partial exercise preclude any other future exercise. All rights and remedies given to Cachematrix in the Terms of Use are cumulative and not exclusive of any other rights or remedies that Cachematrix otherwise has at law or equity.

13. INDEMNIFICATION

As a condition of your use of the Site, you hereby agree to indemnify and hold harmless Cachematrix (and its directors, officers, employees, control persons, vendors, licensors and agents) and any third party from and against any and all claims, losses, liabilities, damages, costs and expenses (including reasonable attorneys' fees and costs) arising out of or related to your breach of your agreements, representations and warranties contained in the Terms of Use or your use of the Information (i) in violation of the Terms of Use, (ii) in violation of any rights of Cachematrix or any third party, including copyright, patent, trade secret, trademark, or other intellectual property rights and publicity and privacy rights, or (iii) in violation of any applicable law, rule or regulation. This indemnification shall be binding upon you and your executors, heirs, successors and assigns.