BY ACCESSING AND USING THIS HERZ FINANCIAL WEB SITE, YOU ARE AGREEING TO BE LEGALLY BOUND BY THESE TERMS OF USE.

By using this Web Site, which is a service from Herz Financial, you are representing to Herz Financial that you are at least 18 years old (or the minimum legal age in the jurisdiction in which you are viewing this Herz Financial Web Site). You may not use this Herz Financial Web Site for any unlawful purpose. Herz Financial may change any term in these Terms of Use at any time. The changes will appear in these Terms of Use, and your use of this Herz Financial Web Site after any changes have been posted will constitute your agreement to the modified Terms of Use and all of the changes. Therefore, you should read these Terms of Use each time you access this Herz Financial Web Site, before you begin using this Herz Financial Web Site. You may print a copy of these Terms of Use for your reference. You understand and agree that Herz Financial may discontinue or change this Herz Financial Web Site at any time, without notice. You also understand and agree that Herz Financial may discontinue or restrict your use of this Herz Financial Web Site for any reason without notice.

PRIVACY/TREATMENT OF INFORMATION OR DATA TRANSMITTED TO US

Personal information transmitted to us will be treated in accordance with our Privacy Policy.

COPYRIGHT AND LIMITATIONS ON USE

The content displayed on this Herz Financial Web Site (the “Content”) is the property of Herz Financial or its licensors and is protected by copyright and other intellectual property laws. This Herz Financial Web Site and the Content may only be used for your personal and noncommercial use. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the Content to anyone, including but not limited to others in the your company or organization, without the express prior written consent of Herz Financial, with this one exception: You may, on an occasional and irregular basis, disseminate an insubstantial portion of content from this Herz Financial Web Site, for a noncommercial purpose, without charge, and transmitted in non-electronic form, to a limited number of individuals, provided you include all copyright and other proprietary rights notices with such portion of the content in the same form in which the notices appear in this Herz Financial Web Site, original source attribution, and the phrase “Used with permission from Herz Financial.” You may not post any content from this Herz Financial Web Site to newsgroups, mail lists, electronic bulletin boards or other web sites, without the prior written consent of Herz Financial. You may request permission by sending a request by email to Contact@HerzFinancial.com.

This Herz Financial Web Site includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. Herz Financial and its Content licensors are not giving investment advice, tax advice, legal advice, or other professional advice. Herz Financial and its Content licensors do not guarantee or warrant the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions and recommendations or advocate the purchase or sale of any security or investment. Herz Financial provides general financial information designed to educate broad segments of the public. Herz Financial does not take into account all of the unique circumstances that may affect a user’s financial decisions, and nothing contained herein should be considered personalized investment advice, legal advice, or tax advice that is tailored to the individual needs of users. The results obtained by using any Herz Financial content should not serve as the sole or primary basis for making investment decisions or any other financial decisions. Users should have a consultation with their financial advisor or legal counsel to develop a personalized plan that takes into account their individual needs and circumstances.

You are not authorized to post on or transmit to or from this web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

DISCLAIMER OR WARRANTIES AND LIABILITY

Due to the number of sources from which content in this Herz Financial Web Site is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in such content and this Herz Financial Web Site. HERZ FINANCIAL AND ITS AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT AVAILABLE THROUGH THIS HERZ FINANCIAL WEB SITE, OR THIS HERZ FINANCIAL WEB SITE ITSELF. NEITHER HERZ FINANCIAL NOR ANY OF ITS AFFILIATES, AGENTS OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY, RESULTING DIRECTLY FROM USE OF THIS HERZ FINANCIAL WEB SITE, CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THIS HERZ FINANCIAL WEB SITE AND ANY CONTENT THROUGH THIS HERZ FINANCIAL WEB SITE. IN NO EVENT WILL HERZ FINANCIAL, ITS AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH CONTENT OR THIS HERZ FINANCIAL WEB SITE. ALL PRODUCTS MAY NOT BE AVAILABLE IN YOUR AREA.

This web site is controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this web site in violation of U.S. export laws and regulations. The laws of the State of Connecticut will govern the content and materials contained in this web site, without giving effect to any principles of conflicts of laws.

Herz Financial and its affiliates and subsidiaries are not authorized to do business in every jurisdiction. Information that Herz Financial publishes on this web site may contain references or cross-references to products, programs or services of various insurance companies and mutual fund companies or affiliates that are not available in your state or country. The products referred to on this web site may be offered and sold only to persons in the United States and its territories. Consult with a Herz Financial client service representative for information regarding the products, programs and services which may be available to you. Herz Financial, license number 1022506 and its agents are licensed to do business in the many states. Contact us for state specific licenses. Herz Financial, LLC is a domiciliary of, and has its principal place of business in, the State of Connecticut.

LINKS TO THIRD PARTY SITES

This Herz Financial Web Site contains hyperlinks to web sites operated by persons other than Herz Financial. Such hyperlinks are provided for your reference and convenience only. You agree not to hold Herz Financial responsible for the content or operation of such web sites. A hyperlink from this Herz Financial Web Site to another web site does not imply or mean that Herz Financial endorses the content on that web site or the operator or operations of that site. You are solely responsible for determining the extent to which you may use any content at any other web sites to which you might link from this Herz Financial Web Site.

MISCELLANEOUS LEGAL TERMS

This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision in this Agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This Agreement, your rights and obligations, and all actions contemplated by this agreement shall be governed by the laws of the United States of America and the state of Connecticut as if the Agreement was a contract wholly entered into and wholly performed within the State of Connecticut.

Securities

Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC). Member FINRA/SIPC AIC and Herz Financial are not affiliated. Additional products and services may be available through Herz Financial that are not offered through AIC. Securities products are limited to residents of CT, FL, MA, NY

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from Herz Financial will contact you to provide requested information.

Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.