Wafra Investment Advisory Group, Inc.
	LEGAL INF ORMATION

. . . . . . . . . . . . . . . . . . . . . . . . . . .

TERMS AND CONDITIONS OF USE
This Website (the “Website”) is maintained by Wafra Investment Advisory Group, Inc. (“Wafra”). You can e-mail us at wafra-info@wafra.com.

NO OFFER OF SECURITIES – DISCLOSURE OF INTERESTS
Under no circumstances should any material at this Website be used or considered as an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Wafra or any other issuer. Offers can only be made where lawful under applicable law. If you wish to obtain further details about any information contained on this Website, we suggest that you contact wafra-info@wafra.com.

YOUR RIGHT TO USE THIS WEBSITE AND ITS CONTENTS
This Website is only for your personal use. The information and materials provided on this Website are solely for your use to assist you in evaluating the products and services offered by Wafra and in the support and use of such products. Other uses are not permitted unless you receive Wafra’s prior written approval. You may not distribute, exchange, modify, sell, re-post or transmit anything you copy from this Website, including but not limited to any text, images, audio and video, for any business, commercial or public purpose. As long as you comply with the terms of these Terms and Conditions of Use, Wafra grants you a non-exclusive, non-transferable, limited right to enter, display and use this Website. You agree not to interrupt or attempt to interrupt the operation of this Website in any way.

RESPONSIBILITY FOR USER’S MATERIAL
You are prohibited from posting or transmitting any defamatory, libelous, obscene, pornographic, profane, threatening or unlawful material or any material that could constitute or encourage conduct that would be considered a criminal offense or give rise to civil liability, or otherwise violate any law. Wafra will fully cooperate with any law enforcement authorities or court order requesting or directing Wafra to disclose the identity of anyone posting such materials.

TRANSMITTED MATERIAL
Internet transmissions are never completely private or secure. You understand that any message or information you send to this Website may be read or intercepted by others unless there is a special notice that a particular message (for example, credit card information) is encrypted (sent in code). Sending a message to Wafra does not cause Wafra to have any special responsibility to you.

LINKED SITES
This Website may contain links to other Internet websites on the World Wide Web. Wafra provides such links for your convenience only, and is not responsible for the content of any website linked to or from this Website. Links from this Website to any other website do not mean that Wafra approves of, endorses or recommends that website. Wafra disclaims all warranties, express or implied, as to the accuracy, legality, reliability or validity of any content on any other website.

CONFIDENTIAL INFORMATION
Except as may otherwise be provided for in our Online Privacy Policy, any material, information or other communication you transmit or post to this Website, including any data, questions, comments, suggestions, reviews or the like is and will be treated as, non-confidential and non-proprietary (“Communications”). You authorize Wafra to use the Communications in any manner consistent with the current Online Privacy Policy.

WAFRA’S RIGHT TO CHANGE THESE TERMS AND CONDITIONS OF USE OR CONTENT ON THIS WEBSITE
Wafra may add to, change or remove any part of these Terms and Conditions of Use at any time, without notice. Any changes to these Terms and Conditions of Use or any terms posted on this Website apply as soon as they are posted. By continuing to use this Website after any changes are posted, you are indicating your acceptance of those changes. Wafra may add, change, discontinue, remove or suspend any other Content posted on this Website, at any time, without notice and without liability.

DISCLAIMER OF WARRANTIES AND DAMAGES; LIMITATION OF LIABILITY
YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. THIS WEBSITE (INCLUDING ALL CONTENT AND FUNCTIONS MADE AVAILABLE ON OR ACCESSED THROUGH THIS WEBSITE) IS PROVIDED “AS IS.” TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WITH REGARD TO THE CONTENT ON THIS WEBSITE, WAFRA MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER THAT THE SERVER THAT MAKES THIS WEBSITE AVAILABLE IS FREE OF VIRUSES OR OTHER COMPONENTS THAT MAY INFECT, HARM OR CAUSE DAMAGE TO YOUR COMPUTER EQUIPMENT OR ANY OTHER PROPERTY WHEN YOU ACCESS, BROWSE, DOWNLOAD FROM OR OTHERWISE USE THE WEBSITE. UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO WAFRA’S NEGLIGENCE, SHALL WAFRA BE LIABLE FOR ANY CONSEQUENTIAL, DIRECT, INCIDENTAL, INDIRECT, PUNITIVE OR SPECIAL DAMAGES RELATED TO (A) THE USE OF, (B) THE INABILITY TO USE OR (C) ERRORS OR OMISSIONS IN THE CONTENTS AND FUNCTIONS OF THIS WEBSITE, EVEN IF WAFRA OR AN AUTHORIZED REPRESENTATIVE THEREOF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL WAFRA’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE), EXCEED $100.00.

GENERAL PROVISIONS
These Terms and Conditions of Use and any additional terms posted on this Website together constitute the entire agreement between Wafra and you with respect to your use of this Website. Any cause of action you may have with respect to your use of this Website must be commenced within (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of these Terms and Conditions of Use, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this agreement, and the remainder of these Terms and Conditions of Use shall continue in full force and effect. These Terms and Conditions of Use shall be governed by and construed in accordance with the laws of the State of New York, United States of America, without reference to its conflict of laws rules.

Wafra Investment Advisory Group, Inc.
345 Park Avenue, 41st Floor New York, New York 10154-0101