Terms of Use

1. Your Agreement to These Terms of Use

By using this website, you signify that you have carefully read and agree to be bound by the following terms and conditions of use ("Terms of Use"). If you do not agree to these Terms of Use, you are not authorized to, and should not, view or use this website for any purpose. Bessemer Trust may revise these terms or the content of this website at any time by updating this posting, and you agree to be bound by any such revisions. Bessemer Trust may also revoke your right or block your ability to use this website at any time for violations of these Terms of Use or for any other reason.

2. Limited Use and Purpose

Nothing contained on this website is intended to be or should be construed as legal, tax or investment advice. This website is for informational purposes only and does not constitute a recommendation, an offer to sell, or a solicitation of an offer to buy any securities, futures, options or other financial instruments ("Securities"), nor shall any such Securities be offered or sold to any person in any jurisdiction whose laws would make such offer, solicitation, purchase, or sale unlawful.

3. Investment Products are Not Federally Insured

Securities (including shares of mutual funds), alternative investments, and other investment products referenced on this website are not bank deposits and are not insured by the FDIC or any other agency of the United States, nor are they obligations of, or insured or guaranteed by, Bessemer Trust or any of its subsidiaries or affiliates. Securities (including shares of mutual funds) and other investments involve investment risks, including the possible loss of value. Your eligibility for particular investment options or services is subject to final Bessemer Trust determination and acceptance.

4. Limits on Bessemer Trust's Liability

Use of this website is at your own risk. All information posted on this website is current only as of the date of its posting, and Bessemer Trust undertakes no obligation to update any information to reflect events or circumstances after the date of such posting. While Bessemer Trust seeks to provide accurate and timely information, there may be inadvertent technical or factual inaccuracies and typographical errors, for which we apologize. Further, Bessemer Trust does not check for accuracy or otherwise review information provided to you or to Bessemer Trust by third-parties, including information related to the value of Securities, alternative investments, or other investment products that are held by or were valued by entities other than Bessemer Trust.

This website and the information it contains are provided without warranties of any kind, and Bessemer Trust and its affiliates, directors, officers or employees, and any third party vendor retained by Bessemer Trust, disclaim all warranties and liability, and you agree that they shall not have any responsibility of any kind for any loss or damages, whether direct, special, indirect, consequential, or incidental, that you incur as a result of viewing, using, attempting to view or use, or relying on the information contained in this website, whether or not the circumstances giving rise to such cause may have been within the control of Bessemer Trust or of any vendor providing software or support services for this website.

You will hold harmless Bessemer Trust (and any of its parents, subsidiaries, affiliates, employees, agents, distributors, third party content providers, or licensors, including Content Providers, (and their respective directors, officers, employees, and agents) from and against all claims, liability, and expenses, including attorneys' fees and legal fees and costs, arising out of your use of this website or your breach of any provision of these Terms of Use.

5. Restrictions on Use of Materials

Bessemer Trust owns and operates this website. Permission is granted to view, display and navigate this website solely for lawful, personal, and non-commercial use. Any illegal, commercial, or public use of this website or any portion hereof is strictly prohibited.

Except as otherwise permitted by Bessemer Trust, no materials from this website may be copied, transmitted, or distributed in any way. You may download material displayed on this website for lawful, non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website, including any text, images, audio or video, for public or commercial purposes, without Bessemer Trust's prior written permission. Modification or use of the materials for any other purpose violates Bessemer Trust's intellectual property rights, and Bessemer Trust neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Bessemer Trust.

6. Trademarks and Copyrights

All trademarks, service marks, trade names, and logos displayed on this website are proprietary to Bessemer Trust, except as explicitly noted below under Ownership of Other Materials. Nothing contained on the website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark displayed on this website without the written permission of Bessemer Trust or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, except as provided herein, is strictly prohibited.

Images displayed on this website are either the property of, or used with permission by, Bessemer Trust. The use of these images is prohibited unless specifically permitted herein, and any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. If you download any information or software from this website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

7. Communications Are Not Confidential

Information submitted to this website should not be considered secure or confidential, and Bessemer Trust makes no representation whatsoever concerning the security or confidentiality of such information and specifically makes no representation that any information submitted through this website will be received by Bessemer Trust. If you are a Bessemer Trust client, please send any electronic communications directly to your Client Account Manager.

8. Use of Links

Should you leave this website via a link contained herein and view content that is not provided by Bessemer Trust, you do so at your own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by Bessemer Trust. Bessemer Trust is not responsible for damages or losses caused by any such website, whether actual, alleged, consequential or punitive. Bessemer Trust makes no guarantees or representations as to, and shall have no liability for, any information delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

9. SEC Materials

Certain information provided through this website has been filed with the Securities and Exchange Commission ("SEC") (such materials being referred to as "SEC Materials"). Bessemer Trust does not assume any duty of disclosure beyond that which is imposed by law and expressly disclaims any duty to update any information set forth in the SEC Materials. Individual statements appearing in the SEC Materials are intended to be read in conjunction with and in the context of the complete SEC Materials in which they appear, rather than as stand-alone statements.

Certain statements included in both the SEC Materials and other public disclosures contained on this website are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks, uncertainties, and other factors that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. The most significant of such factors include the performance of financial markets, the investment performance of Bessemer Trust's sponsored investment products and separately managed accounts, general economic conditions, competitive conditions, and government regulations, including changes in tax rates. You are cautioned to consider carefully such factors. Further, such forward-looking statements speak only as of the date on which such statements are made; Bessemer Trust undertakes no obligation to update any forward-looking statements to reflect events or circumstances after the date of such statements.

10. Ownership of Other Materials

Adobe©, Acrobat©, Acrobat Reader©, and the Acrobat logo are trademarks of Adobe Systems Incorporated. Microsoft© and Internet Explorer© are trademarks of Microsoft Corporation. Standard & Poor's©, S&P©, Standard & Poor's 500©, S&P 500©, and others are trademarks of The McGraw-Hill Companies, Inc. Sector and Industry classifications included in this website utilize the Global Industry Classification Standard ("GICS"). GICS©right; is the exclusive property and a service mark of Morgan Stanley Capital International Inc. ("MSCI") and Standard & Poor's ("S&P"), a division of The McGraw-Hill Companies, Inc. Neither MSCI nor S&P makes any express or implied warranties or representations or shall have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) with respect to GICS© data or results obtained therefrom.

11. Bessemer Trust

Bessemer Trust refers to The Bessemer Group, Incorporated, a bank holding company located in Woodbridge, NJ and regulated by the Federal Reserve Board, and its subsidiaries worldwide. Investment management, custody and fiduciary services are provided in the United States by Bessemer Trust Company, a New Jersey state chartered bank and depository trust company located in Woodbridge, NJ and regulated by the Federal Deposit Insurance Corporation (FDIC) and the Division of Banking of the New Jersey Department of Banking and Insurance, Bessemer Trust Company, N.A., a national bank located in New York, NY and regulated by the Office of the Comptroller of the Currency and the New York State Department of Financial Services, Bessemer Trust Company of California, N.A., a national bank and non-depository trust company located in San Francisco, CA and regulated by the Office of the Comptroller of the Currency, Bessemer Trust Company of Delaware, N.A., a national bank and non-depository trust company located in Wilmington, DE and regulated by the Office of the Comptroller of the Currency, and Bessemer Trust Company of Florida, a Florida state chartered non-depository trust company located in Palm Beach, FL and regulated by the Florida Department of Banking and the Federal Reserve Bank of Atlanta. Bessemer Trust Company (NJ) and Bessemer Trust Company, N.A. (NY) are FDIC members and their deposit accounts are insured by the FDIC up to the standard maximum deposit insurance limits established by FDIC rules. The other companies that are part of Bessemer Trust are not members of the FDIC and do not issue FDIC-insured deposits. Bessemer Trust Company (Cayman) Limited, Bessemer Trust Company (N.Z.) Limited, and Bessemer Group (U.K.) Limited provide investment management, custody and fiduciary services in the Cayman Islands, New Zealand, and the United Kingdom, respectively. Bessemer Investment Management LLC is an SEC-registered investment adviser located in New York, NY, and Bessemer Investor Services, Inc. is an SEC-registered broker dealer located in New York, NY and member of FINRA.

12. Jurisdiction and Governing Law

This website is controlled and operated by Bessemer Trust from its offices within the United States. Bessemer Trust makes no representation that materials on the website are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this website from other locations are responsible for compliance with applicable local laws. You may not use or export the materials on this website in violation of U.S. export laws and regulations.

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 Bessemer Trust or its affiliates to any registration requirement within such jurisdiction or country.

The laws of the State of New York govern these Terms of Use and your agreement to them. If you take legal action relating to these terms of use, you agree to file such action only in the New York State Supreme Court, or the United States District Court for the Southern District of New York, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any such action.

13. Integration and Severability

If any provision of these Terms of Use is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions. The preceding terms of use represent the entire agreement between you and Bessemer Trust relating to the subject matter herein.