Terms of Use:

1. Acceptance of Terms of Use. Thank you for visiting the TRI-AD Participant Information web site (the "Site"). TRI-AD Actuaries, Inc. ("TRI-AD") is offering access to, and use of, the Site subject to your acceptance of these Terms of Use. Please read these Terms of Use carefully before using the Site. By using this Site, you are accepting these Terms of Use.

2. Description of the Site. The Site allows you to exchange data with TRI-AD in a secure manner pursuant to the business interactions conducted as TRI-AD trading partner or a participant in a plan sponsored by a TRI-AD trading partner.

3. Access. In order to use the Site, you need the equipment necessary to connect to the World Wide Web ("WWW"), the connection necessary to access the WWW, and browser software capable of supporting 128-bit encryption. You are responsible for any fees associated with such connection or access (such as those charged by an Internet Service Provider (ISP) or telephone company). You agree to: (a) provide accurate and complete information when prompted to do so, and (b) maintain and update such information so it remains accurate and complete.

4. Privacy. Your privacy is important to us. All information gathered from you in connection with your use of the Site will be governed by the provisions of TRI-AD’s Privacy Policy which are incorporated into these Terms of Use by this reference.

5. Password. You are responsible for keeping your user name and password confidential. We recommend you memorize this information, and you should not share it with associates, friends, family members nor post it in a public place or transmit it via unsecure means. You are responsible for all activity occurring through use of your account and/or password. You agree to immediately notify TRI-AD of any actual or suspected unauthorized use of your account or password. TRI-AD will not be responsible for any loss whatsoever arising from the misappropriation of your password by a third party.

6. Intellectual Property and Rights to Access Site.
Ownership. The Site's database is owned by TRI-AD and/or its agents, and the underlying technology and format is owned by TRI-AD. The Site's technology and format is protected by applicable domestic and international patent, copyright and other intellectual property and proprietary rights and laws, and is offered to you, as it exists on the Site, for limited use pursuant to these Terms of Use. You shall not copy, distribute, publish, perform, modify download, transmit, transfer, sell, or license, create derivative works from or based on, publicly display, frame, link, or in any other way exploit any of the Site, in whole or in part, other than any of your own personal information that is found through the use of the Site, without the prior written permission of TRI-AD or the respective copyright holder.
Trademark Notices. All trademarks, service marks, trade names and logos contained in the Site are the property of their respective owners.

7. Changes to Site. This Site, in whole or in part, may be modified, suspended or discontinued at any time, with or without notice.

8. Modifications to Terms of Use; Additional Terms. The Terms of Use may be revised at any time. Any modifications shall be effective upon the earlier of the posting of the modified Terms of Use on the Site, or direct e-mail notification of the changes to you. You agree to review these Terms of Use periodically so that you are aware of any modifications. Your continued use of the Site shall be deemed your acceptance of the modified Terms of Use. You agree that the above-listed standards for notice of changes are reasonable.

9. Failure to Comply with Terms of Use. You acknowledge and agree that your access and use of the Site may be suspended or terminated in whole or in part, and without prior notice, if you engage in any conduct that: (a) violates any term or provision of these Terms of Use, (b) violates the rights of TRI-AD or third parties, (c) or is otherwise inappropriate for continued access and use of the Site. In addition, TRI-AD and/or its agents reserve the right to terminate and may bar your access to your account through the Site if and when you are no longer a Company employee.

10. Security. Although reasonable security measures may be used with respect to the Site, as with any on-line or electronic communication or interaction, there is an inherent risk involved in transmitting any information via the Internet. No guarantee or warranty is made that the Site or its related system is free from hackers or viruses or that information provided by you will not be stolen or otherwise surreptitiously obtained. You hereby acknowledge and understand that such risk is inherent in interacting with any web site, including this Site, and take full responsibility for any harm, danger or damage that ensues due to any such breach in security.

11. Disclaimer. THIS SITE, INCLUDING WITHOUT LIMITATION, THE CONTENT AND OTHER MATERIALS CONTAINED IN OR ACCESSIBLE THROUGH THIS SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT WITH RESPECT TO ALL SUCH MATERIALS ARE DISCLAIMED. NO WARRANTY IS MADE THAT THIS SITE OR ITS CONTENT OR SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE SITE OR CONTENT WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE. NO WARRANTY IS MADE CONCERNING THE ACCURACY OF THE INFORMATION CONTAINED ON THE SITE, OR THE QUALITY OF ANY SERVICES AVAILABLE THROUGH THE SITE. NO REPRESENTATION OR WARRANTY IS MADE THAT THIS SITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

IN STATES WHICH RESTRICT OR DO NOT ALLOW THE LIMITATION OR EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS, THE ABOVE EXCLUSIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED UNDER THE LAW.

12. Limitation of Liability. YOU UNDERSTAND THAT IN NO EVENT WILL TRI-AD OR ITS MANAGERS, MEMBERS, OFFICERS, DIRECTORS, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, OR TRI-AD BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE OR ANY OTHER THEORY, ARISING OUT OF: (A) YOUR USE OR INABILITY TO USE THE SITE, OR (B) YOUR RELIANCE ON ANY SERVICES OR CONTENT PROVIDED BY THE SITE; EVEN IF ANY OF SUCH PARTIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ALSO, IN NO EVENT WILL ANY OF THE ABOVE IDENTIFIED PARTIES IN THIS SECTION BE LIABLE TO YOU FOR AN AMOUNT GREATER THAN $500 (USD).

IN STATES WHICH RESTRICT OR DO NOT ALLOW THE ABOVE LIMITATIONS OF LIABILITY, THE ABOVE LIMITATIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED UNDER THE LAW.

13. Notice. Notices by TRI-AD or its agents to you may be given by means of a general posting at the Site or to your Company e-mail address. Notices (including questions, complaints, or legal notices) by you may be given by e-mail messages or conventional mail, as follows:
(a) Electronic mail (e-mail) must be sent to our representatives at dmusysop@tri-ad.com.
(b) Mail and courier deliveries must be sent to: 221 West Crest Street, Suite 300 Escondido, CA 92025

14. Miscellaneous. These Terms of Use (and any addenda or statements expressly incorporated into these Terms of Use that you enter into) constitute the entire agreement with respect to your use of and access to the Site, and these Terms of Use replace all prior or contemporaneous understandings or agreements, written or oral, regarding your use of and access to the Site. If any provision of these Terms of Use is found invalid or unenforceable, that provision shall be enforced to the maximum extent possible, and the remaining provisions of these Terms of Use shall remain in full force and effect.