LEGAL

Disclaimer

Argus Research Company ("Argus") is an independent research provider and is not a member of the FINRA or the SIPC. Argus is not a registered broker dealer. The information contained on this site and provided in connection with the ArgusVision®: Innovation and New Directions (the "Conference") is produced and copyrighted by Argus, and any unauthorized use, duplication, redistribution or disclosure of this information is prohibited by law and can result in prosecution. The content of this site and the Conference, and the information, material and reports contained on this site and provided in connection with the Conference, may be derived from Argus research reports, notes, or analyses and other important disclosures may be obtained on this site, on Argus? website and in any relevant report, note or analysis. This site, and the information, material and reports contained on this site, and the Conference, and any information provided in connection with the Conference, are not an offer to sell, or a solicitation of an offer to buy, any security. The information, reports and material presented on this site and provided in connection with the Conference are for general information only and do not specifically address individual investment objectives, financial situations or the particular needs of any specific person who may view this site, attend the Conference or receive any information, material or report contained on this site or provided in connection with the Conference. Investing in any security or investment strategy discussed may not be suitable for you and it is recommended that you consult an independent investment adviser. Nothing on this site or any information, material or report contained on this site, or provided in connection with the Conference, constitutes individual investment, legal or tax advice. The opinions, material, reports and information contained on this site and provided in connection with the Conference, and the reports contained on this site and provided in connection with the Conference, have been obtained or derived from sources believed to be reliable, but Argus makes no representation as to their timeliness, accuracy or completeness. Argus may issue, or may have issued, other information, material or reports that are inconsistent with, or that may reach different conclusions than, those represented on this site and provided in connection with the Conference and the information, material and reports contained on this site and provided in connection with the Conference, and all opinions, are reflective of judgments made on the original date of publication. Argus is under no obligation to ensure that other information, material or reports are brought to the attention of any viewer of this site or any recipient of any information, material or report contained on this site or provided in connection with the Conference. None of Argus or any of its affiliates shall accept any liability for any loss arising from the use of this site, the Conference or any information, material or report contained on this site or provided in connection with the Conference, or any third party referred to on this site or in connection with the Conference, and none of Argus or any of its affiliates shall treat any viewer of this site, or recipient of any report, material or other information contained on this site or provided in connection with the Conference, or attendee at the Conference, as a customer simply by virtue of any of the foregoing viewing this site or having received this material or having attended the Conference. Investments involve risk and an investor may incur either profits or losses. Past performance should not be taken as an indication or guarantee of future performance. Argus has provided independent research since 1934. Argus officers, employees, agents and/or affiliates may have positions in stocks discussed on this site or in any report, material or information contained on this site or provided in connection the Conference.

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Terms and Conditions

This site, the Conference and its content are provided to you as a service of Argus, Argus Investors' Counsel, Inc. ("AIC"), and Vickers Stock Research Corporation ("Vickers", and, collectively with Argus, The Argus Research Group, Inc., AIC and their affiliates, "Argus-Vickers"). By accessing and using this site and/or attending the Conference, you agree to certain terms and conditions as outlined herein.

Argus provides, through this site and the Conference, its website and other sources, research products, investment information, ratings and earnings estimates related to publicly traded companies within the Argus universe of covered companies. Your use of this information is entirely at your own risk and it is your sole responsibility to evaluate the usefulness of all information.

Vickers provides institutional ownership information and corporate insider trading information. Your use of this information is entirely at your own risk and it is your sole responsibility to evaluate the usefulness of all information.

Access to, and use of, password-protected and/or secure areas of this site is restricted to authorized users only. You will be responsible for any use of your password and for maintaining the confidentiality of that password.

Timeliness of Content

The information displayed on this site or provided in connection with the Conference, including, but not limited to, reports and other material, information and opinions, is current as of the date appearing on such information and is subject to change without notice. Unless indicated otherwise, ratings are updated periodically to reflect changes in the market or other criteria. Argus-Vickers does not guarantee or warrant the accuracy, timeliness or completeness of any rating, material or other information on this site or provided in connection with the Conference.

Copyrights, Trademarks, Intellectual Properties

Argus-Vickers is the owner of this site and is the owner of all intellectual property rights in all materials and/or data used herein. All trade names, trademarks, service marks and other product and service names and logos on this site (collectively, "Marks") are proprietary to their respective owners and are protected by applicable trademark and copyright laws. Nothing contained on this site should be construed as granting any license or right to use any of the Marks displayed without the express written permission of Argus-Vickers or the applicable Mark's owner. Any unauthorized use of any Mark or any other content is strictly prohibited.

This site is for your personal use only. You may not copy, modify, adapt, reproduce, translate, reverse engineer, decompile, disassemble, sublicense or assign any aspect of any information accessed via this site. All forms of sub-licensing, reselling republication or other form of distribution, including, but not limited to, any internet posting, electronic mailing, faxing, archiving in a public database or redistributing through any computer network, or in any printed form, to third parties, is strictly prohibited unless previously agreed to by Argus-Vickers in writing.

Governing Law

Your use and access to this site shall be governed by the laws of the State of New York. You hereby agree that any legal action arising out of, or relating, to this site shall be originated in the federal or state courts in the State and County of New York. You hereby consent to such jurisdiction and irrevocably waive any objections thereto, including on the grounds of forum non conveniens. This site and its contents are not intended for use or distribution by any person in any jurisdiction where such use or distribution would be contrary to local law, rule or regulation. Regardless of where you access any such information, you agree to comply with all applicable United States laws, rules, and regulations, including, but not limited to, those laws, rules and regulations regarding the export of data. You are also responsible for complying with all other rules, laws and regulations that may be applicable to your use of any Argus-Vickers information.

Liability Restrictions

ALL INFORMATION ON THIS SITE IS PROVIDED TO YOU "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND ERROR-FREE AND UNINTERRUPTED SERVICES.

THE ACCURACY, COMPLETENESS, SEQUENCE OR TIMELINESS OF THE INFORMATION ON THIS SITE CAN NOT BE GUARANTEED. NONE OF ARGUS-VICKERS OR ITS AFFILIATES, SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES, CONTROL PERSONS, VENDORS, AGENTS AND LICENSORS SHALL HAVE ANY RESPONSIBILITY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL OR OTHER DAMAGES THAT YOU MAY INCUR AS A RESULT OF ANY RELIANCE BY YOU ON ANY INFORMATION OR SERVICES CONTAINED ON THIS SITE, FOR THE RELIABILITY, ACCURACY, COMPLETENESS, SEQUENCE OR TIMELINESS THEREOF, FOR ANY DELAYS OR ERRORS IN THE TRANSMISSION OR DELIVERY OF ANY PART OF THE INFORMATION OR SERVICES CONTAINED On THIS SITE, OR FOR ANY UNAUTHROIZED USE BY YOU OF ANY PART OF THE INFORMATION OR SERVICES CONTAINED ON THIS SITE.

Argus-Vickers does not assume any liability to you based upon the use, or the results of the use, of any Argus-Vickers service or data base, including, without limitation: (a) any financial or other results based on the use of any Argus-Vickers service, rating or information; (b) any delay, or loss of use of, any such service, rating or information, or any system performance; and (c) any effect on, or damage to, any software and hardware in connection with any use of tis site or any service or information contained on this site.

In addition to, and without limiting the foregoing, Argus-Vickers shall not be liable for any harm caused by the transmission, through this site or any service or information contained on this site, of any computer virus or other computer code or programming device that might be used to access, modify, delete, damage, corrupt, deactivate, disable, disrupt or otherwise interfere, in any manner, with the operation of this site, any information or services contained on this site, or any of your software, hardware, data, network or property.

This site may contain information concerning certain third parties that are not affiliated with Argus-Vickers, which third parties may be able to provide services to you relating to the Conference, including, but not limited to, certain hotels, transportation providers and the venue for the Conference. Argus-Vickers does not endorse, guarantee or provide any warranty with respect to any such third party and does not assume any liability to you with respect to any such third party, including, but not limited to, any liability based upon your use of any such third party or any service or product provided by any such third party.

Termination

Argus-Vickers may deny you access to all or part of this site, or any service or information contained on this site, without notice if you engage in any conduct or activity that Argus-Vickers, in its sole discretion, believes violates any term of these Terms and Conditions or any applicable law, rule or regulation.

Miscellaneous

Argus-Vickers' failure to insist upon, or enforce strict performance of, any provision of these Terms and Conditions shall not be construed as a waiver of any such provision or of any right of Argus-Vickers. Neither any course of conduct between parties, nor any industry practice, shall act to modify any provision of these Terms and Conditions.

In the event that any portion of these Terms and Conditions is held to be unenforceable, such portion shall be construed in accordance with applicable laws, rules and regulations to reflect, as closely as possible, the original intentions of these Terms and Conditions and the remainder of the provisions of these Terms and Conditions shall remain in full force and effect.

We may make changes to this site, any information or services contained on this site, or these Terms and Conditions at any time without any notice. You should periodically visit this page to review current Terms and Conditions to which you are bound.

Not an Offer

This site, and the services, information, materials and data contained on this site, do not constitute an offer to sell, or the solicitation of an offer to buy, any security, and must not be relied upon in connection with any investment decision.

Indemnification

You hereby indemnify and hold harmless Argus-Vickers and its affiliates, shareholders, directors, officers, employees, control persons, vendors, licensors and agents against any and all claims, losses, liabilities, damages, costs and expenses (including reasonable attorney's fees and costs) arising out of, or related to, your breach of your agreements, representations and warranties contained herein or your use of any services or information: I) in violation of these Terms and Conditions; II) in violation of any rights of Argus-Vickers, including, but not limited to, copyright, patent, trade secret, trademark or other intellectual property rights and publicity and privacy rights; III) in violation of any applicable rule, law or regulation; or IV) your failure to maintain the security of your user codes and passwords. This indemnification shall be binding upon you and your executors, heirs successors and assigns.

Conference

Any information presented in connection with the Conference, whether in a formal talk, poster session, or discussion, is a private communication from the individual making the contribution and is presented with the restriction that such information is not for public use. The recording of lectures by any means, the photography of slide or poster material, and printed reference to Conference papers and discussion is prohibited. Authors are requested to omit references to the Conference in any publication. You acknowledge and agree to these restrictions when registration is accepted and as a condition of being permitted to attend the Conference. You assume sole responsibility for the protection and preservation of any of your intellectual property rights in any contribution you may make to the Conference.

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Privacy Policy

This site and the Conference is owned by Argus-Vickers, which includes a family of financial services companies that includes Argus, AIC and Vickers.

We do not disclose any nonpublic personal customer information to anyone, except as permitted by law.

> We require password registration to use this site. This site is not intended for minors and we do not accept registration from minors. > We collect and store only nonpublic personal customer information that our clients knowingly provide, such as names, telephone numbers, street addresses or email addresses.

> We may also collect and store: your domain name and host from which you access the internet; the internet protocol address of the computer being used or of the individual user; the browser software and operating system; and the internet address of any site which is linked to our site. Cookies are the files that contain such information that have been created by a server and stored on your hard disk drive. We use cookies only to facilitate automation, measure the number of users of our site and track and store passwords. We do not use cookies to disseminate significant information about you over the internet.

> We maintain physical, electronic and procedural safeguards to protect nonpublic personal customer information. We restrict access to nonpublic personal customer information to those employees who need to know that information to provide products or services to you. If you have access to our site through another site, however, we have no control over, and are not responsible for, the privacy policies of such sites.

If our privacy policy changes, we will notify all users by posting the new policy on this site.

If you have any questions or concerns, or would like to make a change to any of your customer information, please contact your account representative.

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