IMPORTANT: Throughout your use of “Path Financial, Inc” (DBA “Retiremap”) you may be participating in a study conducted with the Center for Advanced Hindsight at Duke University. The purpose of these studies will be to better understand the ways in which people make financial decisions. There are no known risks or benefits for participating in these studies.

The Services are provided for informational purposes only, to assist you in managing your own finances and decision-making. Neither Path Financial nor the Services are intended to provide legal, tax or financial advice. Path Financial is not a financial advisor, investment advisor, financial planner, broker or tax advisor. Your personal financial situation is unique, and therefore any information and/or recommendations obtained through the Services may not be appropriate for your own situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisors who are fully aware of your individual circumstances.

Your use of the Path Financial application is completely voluntary and you are free to withdraw from it at any time. All the information will be analyzed anonymously and reported only in aggregate.

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY ACCESSING OR USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS DESCRIBED HEREIN AND ALL TERMS, POLICIES AND GUIDELINES INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT USE THIS WEB SITE.

These terms and conditions of use (“Site Terms”) apply to your access to, and use of, the Web site of Path Financial (“Retiremap”) located at (the “Site”) and the collection of resources, data, software, tools and other services available from Path Financial on the Site. These Site Terms do not alter in any way the terms or conditions of any other agreement you may have with Path Financial, or its subsidiaries or affiliates, for products, services or otherwise.

No Investment Recommendations or Professional Advice. The information provided on this Site is for general informational purposes only and should not be considered an individualized investment recommendation or personalized investment advice. Nothing on the Site or in the Services is intended to provide tax, legal, insurance or investment advice or should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any product or service by Path Financial or any associated third party. If you receive any individualized investment recommendations or investment advice directly from any independent financial advisors,you acknowledge that any such recommendations or advice are not being provided by, and are not the responsibility of, Path Financial.

The type of savings and investment strategies mentioned may not be suitable for everyone, and you alone are solely responsible for determining whether any investment, strategy or any other product or service is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an independent financial advisor, attorney or tax professional regarding your specific investment, legal or tax situation. The content provided is not intended to represent results you should expect in the future, and Path Financial cannot and does not guarantee the accuracy, completeness or reliability of any information provided on or through the Site.

You agree that you are solely responsible for any actions taken based on any content found on the Site or any site associated with Path Financial and hereby release Path Financial from any and all liability.

Modifications to Site Terms. You acknowledge and agree that Path Financial may modify these Site Terms and any policies or guidelines applicable to the Site at any time by posting the revised Site Terms on the Site and indicating at the top thereof the date such document was last updated. These modifications will be effective immediately upon posting. You expressly agree to such form of notification and waive any right to receive individual notice of such modifications. Unless stated otherwise, any new features or enhancements to the current Services shall be subject to this agreement in addition to any terms that may be applicable to particular services. You are responsible for regularly reviewing these Site Terms and any applicable changes. If you do not agree to the amended terms, you must stop using the Site and the Services. Continued use of the Site and the Services after any changes take effect will constitute your acceptance of such changes.

Minimum Age Limit. You must be eighteen (18) years of age or older to use the Site and the Services, and you must have all necessary right, power and authority to enter into these Site Terms and to perform the acts required hereunder. Any use of or access to the Site or Services by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Services or the Site, you represent and warrant that you are eighteen or older.

Account Information; Security. You agree to maintain and update your account information to keep it complete and accurate and to maintain the confidentiality of your password. You are responsible for all activity occurring through use of your account and/or password, and you agree to immediately notify Path Financial of any actual or suspected unauthorized use of your account or password. Path Financial will not be responsible for any loss to you arising from your failure to comply with the above.

E-mail Address. We will contact you at the e-mail address you have provided. You agree to provide to a valid email address for such purposes. By providing your e-mail address, you agree that you will accept all electronic communications from us at your e-mail address and will not make any claims against us if you do not receive any communications we send to your e-mail address. You agree to notify us promptly if your e-mail address changes.

Mobile Number. We will contact you at the mobile number you have provided. You agree to provide to a valid mobile number for such purposes. By providing your mobile number, you agree that you will accept telephonic and text based communications from us at your mobile number and will not make any claims against us if you do not receive any communications we send to your mobile number. You agree to notify us promptly if your mobile number changes.

User Conduct; User Content. The Site may include interactive areas or services (“Interactive Areas”) such as discussion forums, chat rooms, message boards, note fields, online storage services, or other areas or services in which you or other users create, post or store any content, information, messages, materials, data, text, sound, photos, video, graphics, code or other items or materials on the Site (“User Content”). You agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Site any of the following:

User Content that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent or otherwise objectionable;

User Content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law, including, without limitation, the regulations of the U.S. Securities and Exchange Commission or any rules of a securities exchange such as the New York Stock Exchange, the American Stock Exchange or the NASDAQ;

User Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party. By posting any User Content, you represent and warrant that you have the lawful right to distribute and reproduce such User Content;

User Content that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity;

Unsolicited promotions, political campaigning, advertising or solicitations;

Private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers and credit card numbers;

Viruses, corrupted data or other harmful, disruptive or destructive files; and

User Content that, in the sole judgment of Path Financial, is objectionable or which restricts or inhibits any other person from using or enjoying the Interactive Areas or the Site, or which may expose Path Financial or its users to any harm or liability of any type.

Any use of the Interactive Areas or other portions of the Site in violation of the foregoing violates these Site Terms and may result in, among other things, termination or suspension of your rights to use the Interactive Areas and/or the Site.

Path Financial takes no responsibility and assumes no liability for any user conduct or User Content. Path Financial does not warrant the truth or accuracy of, User Content, nor is Path Financial liable for any defamation, slander, libel, omissions, falsehoods, obscenity, pornography, profanity or inappropriate content you may encounter. Your use of Interactive Areas is at your own risk.

You agree to release and hold harmless Path Financial for any damages arising out of false or inaccurate User Content. Path Financial may alter without prior notice to you any User Content which in its opinion is false, inaccurate or materially misleading on its face or otherwise. Path Financial may remove without prior notice to you any material from any User Content which in its sole opinion is profane or offensive to other users of the Services. You hereby grant Path Financial an irrevocable, world-wide, non-exclusive, perpetual and fully sublicensable license to use, reproduce, edit, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such User Content on and in connection with a the Site and the Services.

You are solely liable for any User Content you post on the Site, and you represent and warrant that (a) you own and control all of the rights to the User Content that you post or you otherwise have the right to post such User Content to the Site; (b) the User Content is accurate and not misleading; and (c) use and posting of the User Content you supply does not violate these Site Terms and will not infringe upon or violate the rights of, or cause injury to, any person or entity.

Links. You are granted a limited, non-exclusive right to create a text hyperlink to the Site for noncommercial purposes, provided such link does not portray Path Financial or any of its products and services in a false, misleading, derogatory or otherwise defamatory manner and provided further that the linking site does not contain any adult or illegal material or any material that is offensive, harassing or otherwise objectionable. This limited right may be revoked at any time. You may not use a Path Financial logo or other proprietary graphic to link to this Site without the express written permission of Path Financial. Further, you may not use, frame or utilize framing techniques to enclose any Path Financial trademark, logo or other proprietary information, including the images found at the Site, the content of any text or the layout/design of any page or form contained on a page on the Site without Path Financial’s express written consent.

The Site contains links to world wide web sites and content which is not a part of the Services. Path Financial provides these links to you only as a convenience, and the inclusion of any link does not imply affiliation, endorsement or adoption by Path Financial of any site or any information or company contained therein. You agree and acknowledge that Path Financial is not responsible for such third party Web sites or the quality, content, nature or reliability thereof. When you leave the Site, you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Site.

Third Party Content. Path Financial may display third party advertisements and may post or provide links to third-party content or websites (collectively the “Third Party Content”). Path Financial does not endorse, adopt or have any control over any Third Party Content and can make no guarantee as to its accuracy or completeness. In addition, Path Financial is not responsible or liable for any Third Party Content, including any content considered harmful, objectionable, inappropriate or offensive.

Third Party Products and Services. We may from time run advertisements and promotions from, provide information regarding, make referrals to or assist you in locating information regarding third parties who provide products or services that may be of interest to you (“Third Party Products and Services”). Path Financial does not approve, recommend, endorse or guarantee the availability of such third parties or the Third Party Products and Services, and we do not monitor or have any control over such Third Party Products and Services. Therefore, we can make no guarantee as to the value, reliability, safety, accuracy, completeness, or performance of such Third Party Products or Services or the results obtained therefrom. You agree that Path Financial shall not be liable for loss or damages of any sort incurred as the result of using any Third Party Products or Services or from your dealings with such third parties. Your business or other dealings with such third parties are solely between you and such third party. You assume full responsibility and assume all risk for your use of such Third-Party Products or Services.

Trademarks. Path Financial®, the Path Financial logos and any other product or service name or slogan contained in the Site are trademarks of Path Financial and its suppliers or licensors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of Path Financial or the applicable trademark holder. You may not use any metatags or any other “hidden text” utilizing “Path Financial” or any other name, trademark or product or service name of Path Financial without our prior written permission. In addition, the look and feel of the Site, including all page headers, custom graphics, button icons and scripts, is the service mark, trademark and/or trade dress of Path Financial and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned in the Site are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by us.

Copyright; Limited License; Restrictions on Use. Certain content on the Site (“Site Content”), including text, graphics, photographs, data, software, news or information, is protected by copyrights, trademarks, service marks, patents, and/or other intellectual property and proprietary rights and laws. . You acknowledge that the Site, the Services and any underlying technology used in connection with the Site and the Services contain proprietary information and content of Path Financial or its licensors.

Subject to these Site Terms, you are granted a limited, non-sublicensable, revocable license to access and use the Site and the Services, provided that you may not: (a) reproduce, publish, distribute, create derivative works of, modify, adapt, translate, rent, sublicense, assign, loan, sell, transfer, network, publicly display or transmit the Site or the Site Content, except as expressly permitted on the Site; (b) commercially use or exploit any part of the Site, the Site Content or the Services; (c) decompile, reverse engineer, disassemble, or otherwise reduce the Site or the Services to human perceivable form; (d) scrape or use any data mining, robots or similar data gathering or extraction methods; (e) download (other than the page caching) any portion of the Site, the Site Content or any information contained therein, except as expressly permitted on the Site; or (f) any use of the Site or the Site Content other than for its intended purpose. Any use of the Site or the Site Content other than as specifically authorized herein, without the prior written permission of Path Financial, is strictly prohibited and will terminate the license granted herein. Such unauthorized use may also violate applicable laws including without limitation copyright and trademark laws and applicable communications regulations and statutes. You must abide by all copyright notices, information, or restrictions contained in the Site. Neither the Site Terms nor any other agreement entered into by Path Financial limits any of our or our affiliates’ rights under trade secret, copyright, patent or other laws.

Repeat Infringer Policy. In accordance with the Digital Millennium Copyright Act (DMCA) and other applicable law, Path Financial has adopted a policy of terminating, in appropriate circumstances and at Path Financial’s sole discretion, subscribers or account holders who are deemed to be repeat infringers. Path Financial may also at its sole discretion limit access to the Site and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

Procedure for Submitting Claims of Copyright Infringement. If you believe that your work has been copied in a way that constitutes copyright infringement please contact the Designated Agent as follows:

Name of Designated Agent: Matt Iverson

Full Address of Designated Agent: 2603 Camino Ramon, Suite 200 San Ramon, CA 94583

Facsimile Number of Designated Agent: (866) 897-5865

E-Mail Address of Designated Agent: dmca@retiremaphq.com

Requirements for providing a valid notice under the DMCA can be found at 17 U.S.C. §512(c)(3).

DISCLAIMER OF WARRANTIES. YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

PATH FINANCIAL DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE SITE, THE SITE CONTENT, THE SERVICES, THE FINANCIAL ADVISOR PAGES, OR THE FINANCIAL ADVISORS FEATURED THEREIN, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, NON-INFRINGEMENT, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.

THE SITE, THE SITE CONTENT, THE SERVICES AND THE FINANCIAL ADVISOR PAGES ARE MADE AVAILABLE TO YOU “AS IS” AND “AS AVAILABLE” AND PATH FINANCIAL DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED. YOUR USE OF THE SITE AND THE SERVICES IS AT YOUR SOLE RISK. ANY SOFTWARE, TOOLS, CONTENT OR OTHER MATERIAL THAT YOU DOWNLOAD OR OTHERWISE OBTAIN VIA THE SERVICES IS AT YOUR SOLE RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR COMPUTER SYSTEM OR FOR ANY LOSS OF DATA RESULTING FROM THE DOWNLOAD OF SUCH MATERIAL.

PATH FINANCIAL DOES NOT WARRANT THAT THE SITE, THE SITE CONTENT, THE SERVICES OR THE FINANCIAL ADVISOR PAGES WILL MEET YOUR NEEDS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, COMPLETE, SECURE OR ERROR-FREE. PATH FINANCIAL ALSO MAKES NO WARRANTY THAT THE RESULTS OR INFORMATION OBTAINED FROM THE USE OF THE SITE, THE SITE CONTENT, THE SERVICES, THE FINANCIAL ADVISOR PAGES OR ANY THIRD PARTY SITES WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE OR THE SERVICES OR ANY THIRD PARTY SITES OR SERVICES WILL MEET YOUR EXPECTATIONS. PATH FINANCIAL DOES NOT INTEND THE INFORMATION PROVIDED BY THE SERVICES TO BE A SUBSTITUTE FOR PROFESSIONAL ADVICE. YOU ARE RESPONSIBLE FOR CONFIRMING THE ACCURACY AND RELIABILITY OF ANY INFORMATION CONTAINED IN THE SERVICE.

LIMITATION OF LIABILITY. YOU UNDERSTAND THAT IN NO EVENT WILL PATH FINANCIAL OR ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS OR LICENSORS OR ANY THIRD PARTY PROVIDER BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, LOSS OF BUSINESS REVENUE OR LOST PROFITS, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE OR ANY OTHER THEORY, ARISING OUT OF: (I) YOUR USE OF, INABILITY TO USE OR RELIANCE ON THE SITE, THE SERVICES, THE FINANCIAL ADVISOR PAGES OR THE SITE CONTENT, OR (II) ANY GOODS OR SERVICES OF ANY FINANCIAL ADVISORS FEATURED ON OR REFERRED THROUGH THE FINANCIAL ADVISOR PAGES OR OTHERWISE ADVERTISED ON OR OFFERED OR REFERRED TO YOU THROUGH THE SERVICES; EVEN IF PATH FINANCIAL OR ANY RELATED PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF PATH FINANCIAL, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING TO THE USE OF THE SITE, THE SERVICES, THE FINANCIAL PLANNER PAGES, THE SITE CONTENT OR THE ADVISOR PRODUCTS OR SERVICES EXCEED THE FEES YOU PAY, IF ANY, TO PATH FINANCIAL FOR ACCESS TO OR USE OF THE SITE OR THE SERVICES. BECAUSE SOME STATES OR APPLICABLE FEDERAL LAWS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

PATH FINANCIAL BEARS NO RESPONSIBILITY FOR ANY DAMAGES ARISING FROM ANY FAILURE OF PERFORMANCE, FAILURE TO STORE, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, ERROR IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, TELECOMMUNICATIONS LINE FAILURE, THEFT, DESTRUCTION, UNAUTHORIZED ACCESS, ALTERATION OR USE OF RECORDS, BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS AND DISCLAIMERS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE LIABILITY OF PATH FINANCIAL ITS OFFICERS, DIRECTORS, INVESTORS, EMPLOYEES, CONTRACTORS, AGENTS, ASSIGNS, SUBSIDIARIES AND AFFILIATES IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Indemnification. As a condition of your use of the Site and the Services, you agree to defend, indemnify and hold Path Financial and its independent contractors, service providers and consultants, and their respective directors, employees and agents harmless from and against any and all claims, actions, damages. losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from or relating to your use of the Site or the Services, from any use of the Financial Advisor Pages created on your behalf or any products or services provided by you, from your conduct or violation of these Site Terms or your infringement or violation of any intellectual property or other right of a Third Party, from your User Content, or from your violation of any applicable law.

Termination; Removal of Content. You may discontinue your participation in and access to the Services at any time. Path Financial may discontinue or modify the Path Financial Services at any time without prior notice to you, and you accept those modifications if you continue to use the Path Financial Services. In addition, Path Financial may terminate, disable or suspend your account or your access to the Site or the Services for any reason, or for no reason, at any time without prior notice. Path Financial also reserves the right, but bears no obligation, to monitor, screen, edit and remove any content, data or information, including User Content, available or stored through the Services, You are solely responsible for creating backup copies of and replacing any materials you post or store on the Site.

Applicable Law. The Site Terms are entered into in San Ramon, California and governed by and construed in accordance with the laws of the State of California, without giving effect to its conflict of laws provisions and shall inure to the benefit of Path Financial’s successors and assigns, whether by merger, consolidation, or otherwise. Federal law governs copyright, patent, and trademark matters. You agree that the proper forum for claims under the Site Terms will be the courts of the State of California for the County of Sonoma or the U.S. District Court for the Northern District of California, and you agree to submit to the jurisdiction of these courts.

Severability. If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.