Terms and Conditions Regarding Your Use Of This Site

By accessing and using this World Wide Web Site or any service of the WRG Web Site, you acknowledge, accept and agree to all of our terms, conditions and privacy policies described below, and otherwise contained on or referenced in the WRG Web Site (the "Agreement"). If you do not agree to this Agreement, you are not authorized to access and use this site. You also acknowledge and agree that we may modify this Agreement at any time, in our sole discretion; that all modifications to this Agreement will be effective immediately upon our posting of the modifications on this site; and that you will review this Agreement each time you access this site, so that you are aware of and agree to any and all modifications made to this Agreement. You also acknowledge and agree that, unless we specifically indicate otherwise, this Agreement only applies to this site and our online activities and does not apply to any of our offline activities.

For purposes of this Agreement, "WRG" shall mean the William Ryan Group (which is the tradename of RTT Corporation) and affiliates, and its officers, directors, employees and agents. The "WRG Web Site" shall mean the web sites of WRG available to the general public and located at williamryangroup.com.

Regulatory Disclosure

The WRG Web Site is for informational and educational purposes only. The information and materials contained on the WRG Web Site are provided 'as is' and WRG does not warrant the accuracy, adequacy or completeness of the information and materials and expressly disclaims liability for errors or omissions. None of the information contained on the WRG Web Site constitutes an offer, solicitation or recommendation to acquire or dispose of any security or investment or to engage in any other transaction or to provide legal, tax, accounting or investment advice or services regarding the suitability or profitability of any security or investment. WRG has not made any recommendations regarding the merit of any company, security or other financial product or investment identified on the Web Site, made any recommendation regarding the purchase or sale of any such company, security, financial product or investment, or endorsed or sponsored any company identified on the WRG Web Site.

The WRG Web Site is not directed at or intended for publication or distribution to any person in any jurisdiction where doing so would result in contravention of any applicable laws or regulations. It is the responsibility of the individual user to consider his or her legal and regulatory position in the relevant jurisdiction, the risks associated with trading such securities or investments and to ensure that the use of the content of the WRG Web Site and the subsequent making of any investment does not contravene any such restrictions or applicable laws and regulations of any jurisdiction.

Proprietary Rights

The WRG Web Site, including but not limited to the text, content, all real time or other information, any software programs, tools, applications and/or code available on or through the WRG Web Site and accompanying links, photographs, images, video, audio and graphics contained on the WRG Web Site (“Content”), is protected by copyright, trademark, trade dress, domain name, patent, trade secret, international treaties and other proprietary rights and laws of the United States and other countries. You acknowledge and agree to abide by all applicable intellectual property laws, as well as any additional notices or restrictions contained on the WRG Web Site. Unauthorized use of the WRG Web Site and the materials and Content contained on through the WRG Web Site or any linked web sites may violate applicable, copyright, trademark, patent, or other intellectual property laws or other laws. The copyrights, trademarks, service marks and any other proprietary Content displayed on the WRG Web Site are registered and common law copyrights, trademarks, service marks, trade dress and proprietary material of WRG and various third parties. Nothing contained on the WRG Web Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any of the Content or proprietary material without the express written permission of WRG or such other party as may own the proprietary rights therein.

Copyright Notice

All right, title and interest in and to the Contents are owned, licensed or controlled by the WRG or the party credited as the provider of the Content ("Third Party Provider"). Except as specifically permitted by this Agreement or applicable Third Party Provider license, any use of the Content contained or provided through the WRGWeb Site is strictly prohibited. You acknowledge and agree that, except if we and/or the applicable Third Party Provider give you prior written permission, you will not sell, license, rent, modify, print, copy, reproduce, download, upload, transmit, distribute, disseminate, publicly display, publicly perform, publish, edit, adapt, compile or create derivative works from any Content or materials (including, without limitation, through framing or systematic retrieval to create collections, compilations, databases or directories) or otherwise transfer any of the Contents to any third person (including, without limitation, others in your company or organization). Requests for such permission regarding WRG Content must be in writing and should be sent to: WRG at 544 Washington Boulevard, Sea Girt, NJ 08750 . Except if we give you prior written permission, use of any Web browsers (other than generally available third-party browsers), engines, software, spiders, robots, avatars, agents, tools or other devices or mechanisms to navigate or search the WRG Web Site is strictly prohibited.

Notwithstanding the foregoing, you may print or download a single, unaltered, permanent copy or one temporary copy in a single computer’s memory of any Content for your personal, non-commercial use only, provided you keep intact all trademark, copyright and other proprietary notices. Use for any other purpose is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

Certain Third Party Providers impose additional terms and conditions of use set forth elsewhere herein. Your use of Content from those Third Party Providers is also subject to those terms and conditions of use and you forever hold WRG harmless from any and all claims, obligations, and/or liability arising in connection with the use of any Third Party Provider Content.

Trademarks/Service Marks

WRG and its subsidiaries own registered and common-law trademarks, service marks, domain names and trade dress protected by trademark laws in the United States and other countries. Other names, whether or not appearing in large print, italics or with the trademark/service mark symbol are trademarks and service marks of WRG, its subsidiaries, related companies or third party content providers, unless otherwise noted. The use or misuse of these trademarks/service marks or any other Content or materials, except as permitted herein, is expressly prohibited and may be in violation of copyright law, trademark law and/or other relevant laws. Please be advised that WRG actively and aggressively enforces its intellectual property rights to the fullest extent of the law. WRG marks, names, logos and trade dress include, but are not limited to the following: William Ryan Group, William Ryan Group and WRG.

Disclaimers of Warranty and Limitation of Liability

DUE TO THE NUMBER OF SOURCES FROM WHICH THE CONTENTS ARE OBTAINED, AND THE INHERENT HAZARDS OF ELECTRONIC DISTRIBUTION, THERE MAY BE DELAYS, OMISSIONS, ERRORS, OR INACCURACIES IN THE CONTENTS, AND ALTHOUGH THE CONTENTS HAVE BEEN OBTAINED FROM SOURCES BELIEVED TO BE RELIABLE, THEY ARE PROVIDED TO YOU ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND. WRG, THE THIRD PARTY PROVIDERS, AND THEIR RESPECTIVE AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND LICENSORS CANNOT AND DO NOT MAKE ANY REPRESENTATIONS AND, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HEREBY DISCLAIM WITH RESPECT TO THIS WEBSITE AND THE CONTENTS ALL EXPRESS, IMPLIED AND STATUTORY WARRANTIES OF ANY KIND TO YOU OR ANY THIRD PARTY, INCLUDING, BUT NOT LIMITED TO, REPRESENTATIONS AND WARRANTIES REGARDING ACCURACY, TIMELINESS, COMPLETENESS, CURRENTNESS, RELIABILITY, STABILITY, READINESS, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR ANY PARTICULAR PURPOSE, OR ANY REPRESENTATIONS OR WARRANTIES ARISING FROM USAGE OR CUSTOM OR TRADE OR BY OPERATION OF LAW. WRG, THE THIRD PARTY PROVIDERS, AND THEIR RESPECTIVE AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND LICENSORS ASSUME NO RESPONSIBILITY FOR THE CONSEQUENCES OF ANY ERRORS OR OMISSIONS.

IN NO EVENT SHALL WRG OR ANY THIRD PARTY PROVIDER OR ANY OF THEIR RESPECTIVE AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR LICENSORS BE LIABLE TO YOU OR TO ANYONE ELSE FOR ANY DIRECT, SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE, CONSEQUENTIAL DAMAGES OR ANY OTHER LOSS OR INJURY CAUSED IN WHOLE OR IN PART BY CONTINGENCIES BEYOND THEIR CONTROL OR NEGLIGENCE IN PROCURING, COMPILING, INTERPRETING, EDITING, WRITING, REPORTING, TRANSMITTING OR DELIVERING ANY CONTENT.

IN NO EVENT SHALL WRG OR ANY THIRD PARTY PROVIDER OR ANY OF THEIR RESPECTIVE AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE WRG WEB SITE OR ANY CONTENT, INCLUDING, BUT NOT LIMITED TO (1) ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE UPON SUCH CONTENT; (2) ANY DELAYS, ERRORS, OMISSIONS OR INTERRUPTIONS IN THE DELIVERY OR TRANSMISSION OF DATA AND SERVICES AVAILABLE ON THE WRG WEB SITE OR ANY THIRD PARTY PROVIDER WEB SITE, FOR ANY OTHER ASPECT OF THE PERFORMANCE OF ANY SERVICES OR FOR ANY TYPES OF DAMAGES (SUCH AS, BUT NOT LIMITED TO, DIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE OR INDIRECT DAMAGES), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The Content on the WRG Web Site has been prepared for informational and/or educational purposes only without regard to any particular user’s business objectives, financial situation or means. Neither WRG, the Third Party Providers, nor any of their respective affiliates, officers, directors, employees, agents or licensors are soliciting any action based on it. The Content on the WRG Web Site is not to be construed as a recommendation or offer to buy or sell or the solicitation of an offer to buy or sell any security, financial product or instrument; or to participate in any particular trading strategy in any jurisdiction in which such an offer or solicitation, or trading strategy would be illegal. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC SECURITY, INDEX, REPORT, OPINION, ADVICE, TOOLS OR OTHER CONTENT.

Use of Links

The WRG Web Site may contain links to certain Internet web sites developed, sponsored or maintained by third parties unaffiliated with WRG. Should you leave the WRG Web Site via a link contained herein, the content you view therein is not provided or controlled by WRG. WRG is not responsible for that content, nor has it developed, checked for accuracy or otherwise reviewed the content or privacy policy of any such third party web site. By providing access to the linked web sites, neither WRG nor its third party providers are recommending the purpose or sale of the stock, transmission of software, downloading or uploading of content, or endorsing of services provided by the sponsoring organization of those web sites. WRG makes no guarantees, representations or warranties as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the non-infringement, accuracy, subject matter, quality or timeliness of any electronic content, or the use of any personal information you provide to any such website. WRG reserves the right in its sole discretion to discontinue links to any other sites at any time and for any reason. WRG provides links to other web sites solely as a convenience to its users, and the inclusion of any link does not imply endorsement by WRG of the third party or the third party’s web site or Content. Your use of such links and the content provided through such links is entirely at your own risk. Furthermore, you forever hold WRG harmless from any and all claims, obligations, and/or liability arising in connection with the use of any such links.

WRG prohibits caching, unauthorized hypertext links by others to the WRG Web Site and the framing of any Content available on the WRG Web Site. WRG reserves the right to disable any unauthorized links or frames and disclaims any responsibility for the content available on any other site reached by links to or from the WRG website.

WRG reserves the right to seek all remedies available at law and in equity for violations of the Terms and Conditions of Use and the Privacy Policy, including the right to block access from a particular Internet address to our site.

WRG reserves the right, in its sole discretion, to revise, modify, change, add or remove portions of these Terms and Conditions of Use at any time and users are deemed to be aware of and bound by any changes to these Terms and Conditions of Use upon publication on the WRG Web Site. Any changed Terms and Conditions of Use will apply only to nonpublic personally identifiable information you give to us or confirm to us (including by entering into a transaction with us) after the effective date of the change. Accordingly, we recommend that you review our Terms and Conditions of Use before giving or confirming to us any nonpublic personally identifiable information. Our policy on the privacy of your personal information has been in effect since 2004 and was last updated in July 2009.

Laws and Applicable Jurisdiction

You acknowledge and agree that your access to and use of the WRG Web Site is subject to all applicable international, federal, state and local laws and regulations. The terms, conditions and policies contained in this Agreement will be governed by and construed in accordance with the laws of the State of New Jersey, without regard to any principles of conflicts of law. You acknowledge and agree that any legal action, whether at law or in equity, arising out of or relating to these Terms and Conditions of Use will be filed only in the state or federal courts located in Monmouth County; that you irrevocably consent and submit to the exclusive personal jurisdiction of those courts for the purpose of litigating any such action; and that you will irrevocably waive any jurisdictional, venue or inconvenient forum objections to such court. The failure of WRG to exercise or enforce any right or provision of these Terms and Conditions of Use shall not constitute a waiver of such right or provision.

CERTAIN THIRD PARTY PROVIDERS' TERMS AND CONDITIONS OF USE