Common use of Electronic Records and Signature Clause in Contracts

Electronic Records and Signature. The OSA, your account agreements with us, and our website include important disclosures and regulatory information that are associated with our services (“Services”). We refer to all of these items as “Records and Disclosures”. When you click “I agree” below, you will be consenting to electronic delivery of the OSA and the Records and Disclosures in HTML format. To access, retain, and print the OSA and other Records and Disclosures, you should use the following for Windows, the latest (non-beta) version of Windows® 7 or above and the latest (non-beta) version of either Microsoft® Internet Explorer or Chrome or Firefox® or the following for Mac, the latest (non-beta) Mac operating system and the latest (non-beta) version of Safari® or Chrome or Firefox®. (Other operating systems and web browsers may work; however, older browsers may experience technical difficulties. Upgrading to one of the configurations above will provide you with the best online experience.) By clicking “I agree” you will also be providing your electronic signature that will affirm: • You understand and intend that the OSA is a legally binding agreement and the equivalent of a signed, written contract; • You will use the Services, and our website generally, in a manner consistent with applicable laws and regulations and in accordance with the terms and conditions of the OSA and any other applicable rules, guidelines or other conditions that govern the use of a particular Service as may be amended from time to time; and • You understand, accept, and have received the OSA and its terms and conditions, and acknowledge and demonstrate that you can access the OSA and other Records and Disclosures on our website. If you do not agree with the terms and conditions in the OSA, please select “Cancel” below and you will exit the registration process. If you click “I agree” below we will create an electronic record of your agreement and you will be able to continue with the registration process. Please carefully review the following terms and conditions. Scope of the OSA We operate the Services, either alone or in conjunction with our affiliates, agents and partners. The Agreement applies to the website, and its electronic content, services and tools. This includes the investment tools currently displayed as well as any features, services, forums or content we may add in the future. We refer to all of the above as “Services”. This Agreement applies to all Services regardless of the means by which you access such Services. We may ask you to follow additional rules, guidelines or other conditions that govern the use of a particular Service (“Rules and Guidelines”) at the time you register for or use that Service. The OSA incorporates by reference the Rules and Guidelines of any Service for which you register.

Electronic Records and Signature. The OSA, your account agreements with us, and our website include important disclosures and regulatory information that are associated with our services (“Services”). We refer to all of these items as “Records and Disclosures”. When you click “I agree” below, you will be consenting to electronic delivery of the OSA and the Records and Disclosures in HTML format. To access, retain, and print the OSA and other Records and Disclosures, you should use the following for Windows, the latest (non-beta) version of Windows® 7 or above and the latest (non-beta) version of either Microsoft® Internet Explorer or Chrome or Firefox® or the following for Mac, the latest (non-beta) Mac operating system and the latest (non-beta) version of Safari® or Chrome or Firefox®. (Other operating systems and web browsers may work; however, older browsers may experience technical difficulties. Upgrading to one of the configurations above will provide you with the best online experience.) By clicking “I agree” you will also be providing your electronic signature that will affirm: •  You understand and intend that the OSA is a legally binding agreement and the equivalent of a signed, written contract; •  You will use the Services, and our website generally, in a manner consistent with applicable laws and regulations and in accordance with the terms and conditions of the OSA and any other applicable rules, guidelines or other conditions that govern the use of a particular Service as may be amended from time to time; and •  You understand, accept, and have received the OSA and its terms and conditions, and acknowledge and demonstrate that you can access the OSA and other Records and Disclosures on our website. If you do not agree with the terms and conditions in the OSA, please select “Cancel” below and you will exit the registration process. If you click “I agree” below we will create an electronic record of your agreement and you will be able to continue with the registration process. Please carefully review the following terms and conditions. Scope of the OSA We operate the Services, either alone or in conjunction with our affiliates, agents and partners. The Agreement applies to the website, and its electronic content, services and tools. This includes the investment tools currently displayed as well as any features, services, forums or content we may add in the future. We refer to all of the above as “Services”. This Agreement applies to all Services regardless of the means by which you access such Services. We may ask you to follow additional rules, guidelines or other conditions that govern the use of a particular Service (“Rules and Guidelines”) at the time you register for or use that Service. The OSA incorporates by reference the Rules and Guidelines of any Service for which you register.