ABOUT CIG SERVICES INSIGHTS TEAM CAREERS CONTACT Terms of Use Terms and Conditions of Use Please read the following Terms and Conditions carefully before continuing: This web site is owned and operated by CIG Capital Advisors, the parent company of CIG Securities, Inc. a registered broker dealer and FINRA/SIPC member, CIG Asset Management, Inc. a SEC Registered Investment Adviser, and CIG Risk Management, Inc. a licensed insurance agency (collectively referred to for these purposes as “CIG”). By using this web site, you signify your acceptance of our Terms and Conditions of Use (“Terms”) without modification. If you do not agree to these Terms, do not use this web site or any other CIG web site. Information for Foreign Investors The services and products described on this web site are intended to be made available only to persons in the United States and the information on this web site is only for such persons. Nothing on this web site will be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. Persons outside of the United States may contact us for more information about any product or services that may be available to them. Software from this web site is subject to United States export controls. Software from this site may not be downloaded or otherwise exported or re-exported outside the United States. By downloading or using the software, you represent and warrant that you are not located in, under the control of, or a national or resident of any country or territory outside of the United States. Modification and Monitoring of the Web Site CIG reserves the right, at our discretion, to change, modify, add or remove portions of these Terms at any time. We suggest that you check these Terms periodically for changes. The terms can be accessed form the link at the bottom of our web site pages. If you use this web site after we post changes to the Terms, you will be considered to have accepted the changed Terms. CIG reserves the right to monitor any and all use of this web site to enhance the overall experience of web site visitors. Copyrights and Restriction on Use of Material The contents of this web site and any other CIG web site on the internet are protected by applicable copyright laws. No permission is granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, or user interface design or logos. Other users and web sites are not permitted to include “CIG”, any other CIG trademark and CIG officer or executive’s name, or any variation of any of the foregoing, as a metatag, hidden textual element, or any other indicator that may create an impression of affiliation, sponsorship, or endorsement between any user and/or web site and CIG. Third-Party Content CIG is in no way responsible for the content of any site owned by a third party that may be linked to CIG’s web site via hyperlink, whether such hyperlink is provided by CIG or by a third party. No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of any site to which CIG may link, including information on the site regarding CIG, and CIG takes no responsibility therefore. By providing access to other web sites, neither CIG nor its affiliates is recommending the purchase or sale of the stock issued by any company, nor is it endorsing services provided by any web site’s sponsoring organization. CIG likewise is not responsible for content that appears on cigcorporation.com that may be provided by a third party or the accuracy of such third part content. Limited Linking License of other sites and other uses Individuals may, for personal use, bookmark or point to any page within CIG’s web site. Commercial and other web sites may include a link to CIG’s web site, so long as any such link satisfies all six (6) of the following requirements: Resolves to CIG’s homepage at www.cigcapitaladvisors.com. Indicates clearly that the link will lead to the web site of “CIG Capital Advisors” or “The CIG family of companies.” Does not falsely represent or suggest any relationship between the linking site and CIG (including suggestion of affiliation, endorsement, or sponsorship). Delivers CIG’s content outside of a framed environment. Maintains the integrity of CIG’s layout, content, and look and feel. Delivers users to the CIG web site, unaltered, unmodified, unadulterated in any way by the linking site. A web site that complies with all six (6) of the above requirements may also offer a link to other content with CIG’s web site, so long as any such link also meets requirements 2 through 6 above. This limited license expressly prohibits the framing of CIG’s content in any way or any other activity that may create a misimpression of confusion among users with respect to sponsorship or affiliation. Submissions and Postings Unless otherwise indicated for a particular service, any communications or material you e-mail, post or otherwise transmit to or through this CIG web site, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary. On occasion, CIG may reproduce, disclose, transmit, publish, broadcast, or post such communications or material. Furthermore, CIG is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to CIG for any purpose whatsoever, including, but not limited to, developing and marketing product using such information. Disclaimers ALL INFORMATION AND CONTENT OF THIS WEB SITE ARE, SUBJECT TO APPLICABLE STATUTES AND REGULATION, FURNISHED “AS IS” WITHOUT ANY IMPLIED OR EXPRESSED WARRANTY OF ANY KIND, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Limitation of Liability In no event will CIG and its affiliates be liable, under any circumstances, for any special or consequential damages that may result from the use of, or the inability to use, the materials on this web site, even if CIG or a CIG-authorized representative has been advised of the possibility of such damages. Neither CIG nor its affiliates are or will be liable for damages or injury, including but not limited to damages or injury caused by any inaccuracy, incorrectness or incompleteness of data or other information, performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part, from breach of contract, tortuous behavior, negligence, or otherwise. If you live in a state that does not allow the limitation or exclusion of liability or incidental or consequential damages, the above limitation or exclusion may not apply to you. In no event shall CIG’s total liability to you for damages, losses, and causes of action, whether in contract, tort (including, but not limited to, negligence), or otherwise, exceed the amount paid by you, if any, for accessing CIG’s site. Jurisdictional Issues and Applicable Law Unless otherwise specified, CIG controls and operates this web site from our offices within the State of Michigan, United States of America. CIG does not claim that materials on this web site are appropriate or available for use in locations other than Michigan. If you choose to access this web site from other locations, you do so on your own initiative, and you are responsible for compliance with any applicable local laws. The laws of the State of Michigan govern these terms. If you take legal action relating to the contents of this or any other CIG web site you agree to file such action only in the Circuit Court of Oakland County, Michigan, or the United States District Court for the Eastern District of Michigan, and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action. Termination Either party may terminate this agreement at any time by destroying all materials obtained from this or any other CIG web site and all related documentation, copies, and installations, whether or not made under these terms. CIG will terminate this agreement immediately without notice if, in CIG’s sole discretion, you fail to comply with any Term of this agreement. Upon termination, you must destroy all materials obtained from this or any other CIG web site and all copies of those materials, whether or not they were made under these Terms. Integration and Severability If any provision of these Terms in 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 CIG and the user relating to the subject matter herein. 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