I understand that this Agreement ("Agreement") between Retire Smarter (Retire Smarter refers to Retire Smarter, Inc., Financial Health Advisors and Smart Women as context may require) and me states the terms and conditions and privacy of my use of Retire Smarters' online services ("Retirement RoadMap^®"). Retirement RoadMap^® generally allows me to access my private client account at Retire Smarter.

responsibilities of user & scope of use

I am the only authorized user of Retirement RoadMap^® under this Agreement for my personal use. I agree not to re-disseminate any information obtained under this Agreement in any manner to third parties without the express written consent of Retire Smarter. I shall be responsible for the confidentiality and use of my password(s) and other security data, methods and devices. I understand that I shall be solely responsible for all requests electronically transmitted using my passwords and other security data. I accept full responsibility for the monitoring of my account. I agree that Retire Smarter shall not be under a duty to inquire as to the authority or propriety of any instructions given to Retire Smarter by me or via my user ID and/or password and shall be entitled to act upon any such instructions; and Retire Smarter will not be liable for any loss, cost, expense or other liability arising out of any such instructions.

user consent.

I recognize that my use of Retirement RoadMap^® may involve the transmission to me of information that may be considered personal financial information. I consent to the transmission by electronic means of such information through Retirement RoadMap^®; my consent shall be effective at all times that I use Retirement RoadMap^®. I am aware of the Retire Smarter Privacy Policy.

limitation of liability & disclaimer of warranties.

I understand that all requests placed through Retirement RoadMap^® are at my sole risk and responsibility. I agree that neither Retire Smarter nor any third party working with Retire Smarter to provide services hereunder shall be responsible for any damages caused by communications line failure, unauthorized access, theft, systems failure, and other occurrences beyond its reasonable control. I agree to provide all telephone and other equipment to access Retirement RoadMap^® and I will be solely responsible for paying all charges related thereto. I am aware that at times, the Retire Smarter website may be inaccessible, or its features may be unavailable.

I expressly acknowledge and agree that the use and storage of any information, including without limitation, requests, accounts, and any other information or orders available through use of Retirement RoadMap^® is at my sole risk and responsibility.

neither retire smarter nor any third party makes any representations or warranties express or implied including without limitation any implied warranties of fitness for a particular purpose in respect of retirement roadmap^® or any information programs or products obtained from, through, or in connection with retirement roadmap^®. in no event will retire smarter or any third-party be liable for direct, indirect, incidental or consequential damages resulting from any defect in or use of retirement roadmap^®.

online account transactions.

By entering a request online, I certify that I am of legal age and capacity and am authorized to do so. I have read the current disclosures for each account I am depositing in and agree to be bound by its terms and conditions. I acknowledge that it is my responsibility to read the disclosures of any account into which I exchange and that all account options previously selected will apply to any new account. If other family members in my household have accounts in the same Retire Smarter product I own, I agree that Retire Smarter may send a single copy to our household of that product's updated disclosures, annual review, semiannual review, reports or other information that is required to be delivered. I agree to notify Retire Smarter by phone, in writing or by email if I wish to receive a separate copy of these materials.

security.

To the extent that any Retirement RoadMap^® use Internet, wireless or related electronic or similar services to transport data or communications, Retire Smarter will take reasonable security precautions, but Retire Smarter disclaims any liability for interception of any such data or communications. Retire Smarter shall not be responsible for, and makes no warranties regarding, the access, speed or availability of such services.

modification & termination.

I agree that Retire Smarter may modify, change, or discontinue Retirement RoadMap^® in whole or in part, at any time. I agree that Retire Smarter may immediately terminate its provision of Retirement RoadMap^® to me if I breach this Agreement, if I have jeopardized the proper and efficient operation of Retirement RoadMap^®, or if I engage in activity which is contrary to Retire Smarter policies. Any unauthorized use of Retirement RoadMap^®, whatsoever, shall result in automatic termination of this Agreement.

Our Online Access Policy changes from time to time. We recommend that you review these notices periodically for any changes. This notice was last updated in January 2023. If you have any questions, write to us at • PO Box 101 – Gibsonburg, OH 43431.