Terms and Conditions

This document refers to the use of this website and to the use of any information, software, function, graphics, artwork and any other material contained on this website.

By using this website and its contents (collectively referred to as "contents"), you ("you" or "the user") agree to abide by these terms and conditions and any changes that WTDirect, a Division of Wilmington Trust FSB (referred to in these terms of use as "WTDirect") may publish from time to time. If you do not agree with these terms and conditions, do not access this website or any of its pages.

Intellectual Property and Copyright by WTDirect
Title to and all intellectual property rights in the website and its Contents remain in Wilmington Trust FSB, unless otherwise expressly indicated.

This website and/or its Contents may include information, software and other tools which are the proprietary property of others or which are public or works of the government. WTDirect is using such information, software and other tools with permission and authority from the owners of such proprietary rights when required.

Trademarks and Service Marks
The trademarks, service marks, and logos contained on this website and its contents are service marks or trademarks of Wilmington Trust FSB and/or its affiliates, except as otherwise noted. WTDirect may also claim trademark or service mark rights in other product names, business names, logos, slogans and other marks contained on this website and its Contents. You may not in any way use any WTDirect or Wilmington Trust marks without first obtaining our express written permission.

The names of actual companies and products mentioned herein may be the trademarks or service marks of their respective owners.

Use of Website and Website Materials
When using particular information, materials, and/or services on this website, you will be subject to any posted guidelines or notes applicable to such services or materials that may contain terms and conditions in addition to these Terms and Conditions. All such guidelines or rules are hereby incorporated by reference into these Terms and Conditions.

This website and its Contents are 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 local law or regulation.

You may not print, copy, upload, post, publish, modify, display, transfer, resell, reproduce, republish, or distribute this website or its Contents in any way (whether electronically or otherwise) or create other works based on it, unless expressly authorized by these Terms and Conditions, the express provisions on this website, our prior written consent, or applicable law. Copies made incidentally in the ordinary course of your personal, non-commercial use of this website and a reasonable number of printed copies for such use are permitted, provided that you do not modify or alter the material in any way and you do not delete or change any copyright, trademark or other notices.

You may not use the information or material on this website for any unlawful purpose.

Termination and Remedies
If you breach any of these Terms and Conditions, your authorization to use this website automatically terminates and you must immediately destroy any materials obtained from this site. WTDirect may seek any available legal remedy or take any reasonable business steps to prevent the unauthorized use of, or access to, this website, and to prevent access to users who violate these Terms and Conditions. You agree that we would be irreparably harmed if you breach this provision and that monetary damages would be inadequate to remedy such breach. Accordingly, you also agree that specific and injunctive or other equitable relief is the appropriate remedy for such a breach.

Modifications and Changes
We may make changes to the website and its Contents, including our products and/or services and these Terms and Conditions, at any time without notice to you. Your use of this website at any time indicates your agreement with the Terms and Conditions posted on this site at the time of such use.

Errors
Although we attempt to keep this website and its Contents accurate, complete and current, the site may contain technical or other mistakes, inaccuracies or typographical errors. The information and materials on this website may be out of date, and we make no commitment to update this website or its Contents. It is your responsibility to verify any information before relying on it.

Availability of Website and Content, Including Products and Services
This website is controlled, operated and administered by WTDirect from its offices within the United States of America. If you access this website from a location outside of the United States, you are responsible for compliance with all local laws.

Not all products and services are available in all geographic areas. Your eligibility for particular products and/or services may be subject to final determination and acceptance by WTDirect.

References
References to any specific commercial product, process, service or publication by trade name, trademark, service mark, manufacturer or otherwise are provided for general information purposes only and do not constitute a warranty, endorsement, recommendation or favoring by WTDirect. WTDirect makes no warranty of any kind with respect to the subject matter or products listed herein or the completeness, accuracy, or reliability of the information.

Links to Third Party Sites
WTDirect may establish links between this website and one or more websites operated by third parties, and we are providing these links only as a convenience to you. Such links allow you to leave our website and are not under our control. Access to any other website linked to this website is at your own risk. We have not investigated, verified, monitored or tested the accuracy, reliability or completeness of any information, data, opinions, advice, statements, software, products or services found on or contained in these linked sites or any change or updates to such sites and therefore do not make any representations whatsoever with respect thereto. The inclusion of a link to another website does not constitute an approval, endorsement, authorization, sponsorship, or affiliation by us with respect to such site, its owners or its providers.

Privacy Policy
We recognize and respect the privacy expectations of our clients. To view our Website Security Statement, click here.

Registration
Some areas of this website may require you to become a member. When and if you register to become a member, you agree to: (1) provide accurate, current and complete information about yourself as prompted by our registration form (including your email address); and (2) maintain and update your information (including your email address) to keep it accurate, current and complete. You acknowledge that, if any information provided by you is untrue, inaccurate, not current, or incomplete, we reserve the right to terminate your right to use this website.

Use and Protection of Account Numbers, User IDs and Passwords
We may refuse to grant you a User ID that impersonates someone else, is or may be illegal, is or may be protected by trademark or other proprietary rights laws, is vulgar or otherwise is offensive, or may cause confusion, as determined by us in our sole discretion. YOU ARE RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR ACCOUNT NUMBER(S), USER IDS, AND/OR PASSWORDS, AS APPLICABLE. YOU ARE RESPONSIBLE FOR DAMAGES RESULTING FROM ALL USES OF YOUR ACCOUNT NUMBER(S), USER ID AND/OR PASSWORD, WHETHER OR NOT ACTUALLY OR EXPRESSLY AUTHORIZED BY YOU, UNLESS ACCESS TO YOUR ACCOUNT NUMBER(S), ACCOUNT NAME, USER ID AND/OR PASSWORD WAS OBTAINED THROUGH NO FAULT OR NEGLIGENCE ON YOUR PART. You will immediately notify us of any unauthorized use of your account number(s), User ID, or password or any other breach of security.

Not Legal, Accounting or Other Professional Advice
The information contained on this website is not intended to constitute and should not be considered as legal, accounting or other professional advice, nor is it intended to substitute for obtaining such advice. If legal, accounting or other professional advice or assistance is needed, the services of a competent, independent legal counsel, accountant or other professional in the relevant jurisdiction should be sought.

Other Third Party Information
The information contained in any article or graph on this website is based on sources that we believe to be reliable, but no representation is made as to its accuracy, reliability or completeness.

Financial Planning Tools and Calculators
WTDirect does not make any assurances with respect to the accuracy of the results or output that derives from use of any financial planning tools, calculators or other tools or utilities on this website.

Submissions
All information transmitted or otherwise submitted to us via this website shall be deemed to be the property of WTDirect, and WTDirect shall be free to use such information for any lawful purpose within the guidelines of our Privacy Policy.

Investment Products
The Contents of this website, including Information regarding any investment product or service, is for informational purposes only and is not intended as an offer or solicitation for the sale of any investment product or service or a recommendation or determination by Wilmington Trust that any investment product or service is suitable for a specific investor. Investors should seek financial advice regarding the suitability of any investment product or service, based on the investor's objectives, financial situation and particular needs.

Investments like stocks, bonds, annuities and mutual funds are not insured by the FDIC or any other governmental agency, are not deposits of or other obligations of or guaranteed by Wilmington Trust or any other bank or entity, and are subject to investment risks including the possible loss of principal amount invested.

Forward-Looking Statements
This website and/or its Contents may from time to time contain certain statements or information with respect to: (1) the projection of WTDirect?s or Wilmington Trust?s revenues, income, earnings per share, capital expenditures, dividends, capital structure, or other financial items; (2) the plans, objectives, and/or projections of WTDirect or Wilmington Trust for future operations, including those relating to the products or services of WTDirect or Wilmington Trust; (3) WTDirect's or Wilmington Trust's future economic performance; (4) assumptions underlying or relating to any of the foregoing statements or information; and (5) any other projections, estimates, or forward-looking statements. All such statements and information are forward-looking statements within the meaning of federal securities laws. Such forward-looking statements are based upon, or will be based upon, WTDirect's or Wilmington Trust's expectations or forecasts with respect to future events and are subject to a number of uncertainties and risks that could cause actual results or circumstances to differ materially from those expressed in the forward-looking statements. Such forward-looking statements should be viewed only as predictions and with the understanding that actual events or results may differ materially. For further detail and information concerning the foregoing or Wilmington Trust in general, please consult the company's documents and reports on file with the Securities and Exchange Commission, particularly Wilmington Trust's most recent Form 10-K and Form 10-Q, copies of which are available from Wilmington Trust's Investor Relations Division.

Disclaimers
ALL INFORMATION, MATERIALS AND SERVICES CONTAINED ON THIS WEBSITE AND THE CONTENTS THEREOF ARE PROVIDED "AS IS." WTDIRECT MAKES NO REPRESENTATION, ENDORSEMENT, OR WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, BY DESCRIPTION, BY SAMPLE OR OTHERWISE, AND IN PARTICULAR AND WITHOUT LIMITATION, MAKES NO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS OR FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE. WE DO NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE MATERIALS CONTAINED ON THIS WEBSITE OR WARRANT THAT ANY DEFECTS WILL BE CORRECTED.

THIS DISCLAIMER OF WARRANTIES APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW.

Limitation of Liability
AS A CONDITION TO WTDIRECT PROVIDING THIS WEBSITE AND ITS CONTENTS, THE USER AGREES THAT IN NO EVENT SHALL WTDIRECT OR ITS AFFILIATES BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY DAMAGE WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGE, LOSSES OR EXPENSES OF ANY KIND, ARISING IN CONNECTION WITH THIS WEBSITE OR ANY WEBSITE LINKED HERETO, THE USE THEREOF OR THE INABILITY TO USE IT BY ANY PERSON, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE OR SYSTEM FAILURE, LOSS OF DATA, OR ANY OTHER THEORY OF LIABILITY, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY, STRICT LIABILITY OR OTHERWISE, EVEN IF WTDIRECT OR ITS AFFILIATES IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

THIS LIMITATION OF LIABILITY APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW. IN NO EVENT WILL WTDIRECT'S OR ANY OF ITS AFFILIATES' LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, BE MORE THAN THE TOTAL AMOUNT OF ANY MONEY THAT WTDIRECT OR RECEIVES FROM YOU FOR LICENSE FEES, UPDATE FEES AND OTHER FEES AND CHARGES COLLECTED PURSUANT TO YOUR AUTHORIZED USE OF THIS WEBSITE AND/OR ITS CONTENTS.

Indemnification by User
YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS WTDIRECT, ITS SUBSIDIARIES AND AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND ANY THIRD PARTY INFORMATION PROVIDER TO US FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, RESULTING FROM ANY VIOLATION OF THESE TERMS AND CONDITIONS BY YOU.

Other Agreements
These Terms and Conditions shall be subject to any other agreements you have entered into with WTDirect or its affiliates and, except as expressly set forth herein, in the event of a conflict, the terms of those agreements will govern.

Waiver
Any waiver of or failure to enforce any right under or term or provision of these Terms and Conditions by WTDirect shall not be deemed to be a waiver of such right or any other right, term or provision of these Terms and Conditions at any time.

Severability
In the event that any portion of these Terms and Conditions shall be determined to be unenforceable by a court of competent jurisdiction, the remainder of these Terms and Conditions shall not be impaired, affected or invalidated, and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or condition.

Governing Law and Venue
Use of this website will be governed by and construed in accordance with the laws of the United States of America and applicable Maryland law, without regard to conflict of law principles. You and WTDirect also agree that all legal proceedings, whether at law or in equity, related to this website and/or its Contents shall be filed in and adjudicated solely in the state or federal courts located in Baltimore County, Maryland. You further consent and submit to the exclusive personal jurisdiction and venue of such courts for the purpose of litigating any such matters.