Please carefully read these Terms and Conditions of Use (these "Terms"). Your access to or use of this website signifies that you understand and agree to be bound by these Terms. If you do not agree to be bound by or comply with these Terms, do not access or use this website. MODIFICATION OF TERMS AND CONDITIONS OF USE Cook & Co. owns and operates this website. Cook & Co. reserves the right, in its sole discretion, to change, modify, add, or remove portions of these Terms at any time. We suggest that you check these Terms periodically for changes. They can be accessed from the link in the navigation menu or from the link at the bottom of our website pages. Any changes, modifications, or additions to, or deletions from these Terms shall be effective upon posting on this website. If you use this website after we post changes to the Terms, you accept the Terms as changed. Cook & Co. expressly reserves the right to monitor any use of this website.

JURISDICTION Unless otherwise specified, this website has been published for residents of the United States. The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Cook & Co. or any of its products to any registration requirement within such jurisdiction or country. Unless otherwise specified, the services and products described on this website are made available only to persons residing in the United States, and the information on this website is only for such persons. Nothing on this website shall be considered a solicitation to buy or an offer to sell a security or service to any person. Cook & Co. does not claim that the products or services in this site are available in any particular jurisdiction or appropriate for any particular investor. If you choose to access this website from a location other than the United States, you do so on your own initiative, and you are responsible for compliance with any applicable local laws. INTELLECTUAL PROPERTY All copyrights, trademarks, logos, service marks, trade names, or other intellectual property displayed on, or used in conjunction with, this website are proprietary to Cook & Co., unless otherwise noted. The content of this website is protected by applicable intellectual property law. Cook & Co. reserves all rights with respect to intellectual property ownership of all material on this website, and will enforce such rights to the full extent permissible by law. The material accessible on or through this website is accessible for personal browsing and printing purposes only. Users of this website may not otherwise: USE OF E-MAIL The security of electronic mail sent through the Internet is not guaranteed. Do not send sensitive or confidential information to us via electronic mail. Delivery, and timely delivery, of electronic mail is also not guaranteed. Cook & Co. therefore recommends that you do not send time-sensitive or action-oriented messages to us via electronic mail. Such requests, orders, or instructions will not be processed until Cook & Co. can confirm your instructions or obtain appropriate written documentation where necessary.

DISCLAIMERS Cook & Co. does not warrant this website for any particular purpose. It is provided "as is" and on an "as available" basis. Cook & Co. disclaims, to the fullest extent of the law, any warranty of any kind, whether express or implied, as to any matter relating to this website, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Use of this website is at your own risk. Cook & Co. and its directors, officers, or employees will not be liable or have any responsibility of any kind for any loss or damage that you incur arising from or in connection with: (1) any delay, termination, failure, defect, or interruption in the transmission of this website; (2) any inaccuracy, error, unavailability, or incompleteness in the transmission of this website; (3) any termination or interruption of your access to this website; (4) your reliance on or use of this website; (5) any e-mail requests, orders, or instructions you send, or the interception by third parties of any requests, orders, or instructions you send via e-mail; (6) any act or omission of Cook & Co. in making this website available to you; or (7) any other cause relating to your access to or use of this website, whether or not the circumstances giving rise to such cause may have been within the control of Cook & Co. or within the control of any other party providing software or services support for this website. Cook & Co. does not warrant that this website, or the functions contained in this website, will be uninterrupted or error-free, that defects will be corrected, or that this website, or the servers that make it available, are free from viruses or other harmful components. You assume the entire cost of any necessary servicing, repairing, or correcting of your property or operations as a result of using this website. You accept at your own risk that the Internet or other online communications medium may not perform as intended as a result of human, mechanical, or other error, despite the efforts of Cook & Co., you, or any third party. In no event will Cook & Co. or its directors, officers, or employees be liable to you for any direct, indirect, special, consequential, or incidental damages related in any way to your use of this website, even if: (a) such damages are reasonably foreseeable; or (b) Cook & Co. or any other party has been advised of the possibility of such damages. GOVERNING LAW AND SEVERABILITY These Terms will be governed and construed under the laws of the state of Alabama without regard to its conflict of law principles, regardless of whether you reside in Alabama or transact business with Cook & Co. in Alabama or elsewhere. Nothing in these Terms creates any rights or protections that you are not already entitled to by law. If any part of these Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Terms will remain in effect.