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Client Access Agreement

Description of Service

The Oppenheimer & Co. Inc. Client Access website is an information service from Oppenheimer & Co. Inc. ("Oppenheimer"), an electronic platform for the delivery of Client account information, including Client investments and other relevant data. By completing the registration process, selecting the "I agree" on-screen button and using Oppenheimer Client Access, you are indicating that you understand and agree to be bound by the terms and conditions of this Client Access Agreement.

Modifications, Suspensions or Discontinuance of Service

Oppenheimer may, in its sole and absolute discretion, modify or discontinue any portion, feature or content of the Client Access service at any time with or without notice to you. Similarly, Oppenheimer may at any time with or without notice to you restrict your access to the service. Oppenheimer may also temporarily or permanently suspend or revoke your rights to use the service upon the belief that your use of the service violates the terms of this Client Access Agreement or that your conduct is harmful to other clients, Oppenheimer's third party providers, to the Client Access service or to Oppenheimer.

Protecting Your Password and User ID

Your system identification ("User Name") and password are used in place of your signature and will be relied upon by Oppenheimer in the same manner and for the same purposes as it would rely upon your signature. You are personally responsible for all uses of the Client Access service made using your User Name and password, whether or not the use is made by you or someone else using your User Name. You are responsible for protecting and securing your User Name and password from unauthorized use and disclosure. In the event that you become aware of or believe there has been any breach of security involving your User Name or password, such as theft or unauthorized use, you must notify your Financial Advisor at Oppenheimer immediately. You agree to indemnify, defend and hold harmless Oppenheimer, its affiliates and its employees, officers, directors, agents and/or successors and assigns from and against any and all claims, damages, losses, liabilities, costs or expenses (including, without limitation, reasonable attorneys™ and other fees) arising from or relating to your noncompliance with the terms and conditions of this Client Access Agreement.

Electronic Transmissions

Use of this service involves the electronic transmission of personal financial information, and use of the Client Access service is deemed consent to the transmission of such information. Since Oppenheimer follows reasonable security procedures for verifying the identity of a user, Oppenheimer disclaims all liability for losses sustained as a result of unauthorized access.

Copyrights and Limitations on Use

The information available through the Client Access service is the property of Oppenheimer, its affiliated companies or its third party service providers, and is protected by copyright, trademark and other applicable law. Any trademarks, logos or service marks displayed as part of this service are registered property of Oppenheimer or others, and nothing at this site shall be construed as granting, by implication, estoppel or otherwise, any license or right to use any image, trademark, logo or service mark on this site. Information received through the Client Access service may be utilized for your personal, non-commercial use only, and you agree not to reproduce, download, retransmit, disseminate, sell, distribute, publish, broadcast or circulate such information to anyone without the express written consent of Oppenheimer. No act of reproducing, downloading, retransmitting, disseminating, selling, distributing, publishing or broadcasting such information will transfer title to any software or material on this site to you. Further, anything that you transmit to this site, via Client Access or otherwise, is the property of Oppenheimer, may be used by Oppenheimer for any lawful purpose, and is subject to disclosure deemed appropriate by Oppenheimer, including disclosure to any legal or regulatory authority to which Oppenheimer is subject. Oppenheimer reserves all rights with respect to copyright, trademark, service mark and other proprietary ownership rights of all material on this site, whether or not part of the Client Access service, and will enforce such rights to the full extent permitted by law.

Reliance/Pricing Information/Valuations

Oppenheimer makes no representations or warranties as to the accuracy, reliability or completeness of the information provided through the service, and there may be delays, omissions or inaccuracies in such information. Content on this site is subject to change without notice. The information Oppenheimer provided via the service does not constitute investment advice and may not be relied upon for the purpose of making investment decisions. Similarly, the information Oppenheimer provides via the services is not and should not be construed as an offer to sell or a solicitation of an offer to buy any security, instrument or other investment product. Oppenheimer makes no representation or warranty as to the suitability or potential value of any particular investment or information source. Any indicative valuations in materials provided through the service or at this site are provided for information purposes only and may differ substantially from the actual value of an instrument in real-time. Past performance is not an indication of future results.

Electronic Signatures

Any agreements accepted by electronic means (such as clicks, eSignatures or other online means) are legally binding and are considered to have been "signed" by you with the same effect as manual (e.g., wet or ink) signatures. Electronic records of an agreement that are made online will also be considered to be in writing.

You agree not to dispute the validity or enforceability of any agreements entered into electronically by you or by anyone using your authenticated information, such as your password or PIN.

Multi-Factor Authentication Terms and Conditions

To protect you from unauthorized access to, or unauthorized alteration, disclosure or distribution of, your personal information, Oppenheimer is offering you the opportunity to enroll in multifactor authentication. This authentication process includes multiple verification steps that must be followed in order to use Client Access. Multi-factor authentication requires username, a password and entry of a one-time code delivered via text message when the device you are using is not recognized by Oppenheimer.

When you sign up for multi-factor authentication with Oppenheimer, you consent to receive a private code sent to your mobile number in order to verify your identity. You will be prompted to enter the code after inputting your login information from a device that is not recognized by Oppenheimer. You are responsible for updating Client Access with any changes to your mobile number. Any failure to do so may result in a disruption to authentication and your ability to log on to Client Access. You can change the mobile number used for multi-factor authentication within Client Access.

By participating in multi-factor authentication via text, you affirm you are 18 years of age or older, authorized to agree to receive mobile contacts on the mobile number and responsible for any mobile message or data charges incurred. Check with your service provider for details on specific fees and charges that may apply.

Oppenheimer's Privacy Policy applies to multi-factor authentication and can be found at www.oppenheimer.com. Multi-factor authentication via text may contain private or sensitive information, and you agree to safeguard your mobile device. The safeguarding of your mobile device is your sole responsibility, and failure to do so may result in others viewing your private information.

You acknowledge that multi-factor authentication texts from Oppenheimer may not be sent on a “real time” basis, and may be sent at the sole discretion of Oppenheimer. You acknowledge that a code may not be sent on a “real time” basis and there may be a delay between the time you request a code and the time you receive the code. Oppenheimer reserves the right to suspend or stop multifactor authentication at any time and without notice.

Books and Records

You acknowledge that the account information provided through the Client Access service is not the official record of such Oppenheimer account(s) and is subject to change, errors and omissions, excluding official Oppenheimer Account Documents delivered to you electronically. Transaction confirmations and periodic account statements constitute the official record of such Oppenheimer account(s). Further, both the front and reverse sides of every confirmation and statement sent contain important disclosures which you consent to and that are incorporated herein by reference. Any discrepancies in these documents must be reported to the Financial Advisor of record immediately. The information provided via this service should not be used for tax reporting purposes.

Global Dealing Restrictions

Information and materials provided through the service or otherwise at this site may not be appropriate for use in all locations, nor may every transaction, security, instrument or other investment product or service discussed be available or appropriate for sale or use in all jurisdictions or by all investors or counterparties. Users who access this site do so at their own initiative and are responsible for compliance with all applicable local laws and regulations. Users of this service and site may not necessarily be able to deal directly with all entities that post materials to this site. No software in use on this site may be downloaded or otherwise exported in contravention of US Department of Treasury or US Department of Commerce regulations or other applicable rules or regulation, or to a resident of or location in any nation to which the US or UK has embargoed goods.

Disclaimer of Warranties and Waiver of Liabilities

OPPENHEIMER & CO. INC., IT'S AFFILIATES, AGENTS AND LICENSORS MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BY WAY OF EXAMPLE AND NOT LIMITATION, ANY WARRANTY OF ACCURACY, COMPLETENESS, CURRENTNESS, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. OPPENHEIMER & CO. INC. DISCLAIMS ALL SUCH WARRANTIES TO THE FULLEST EXTENT PERMITTED BY LAW. FURTHERMORE, OPPENHEIMER & CO. INC. ASSUMES NO RESPONSIBILITY FOR AND MAKES NO WARRANTIES THAT FUNCTIONS CONTAINED IN THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR SERVER THAT DELIVERS THE SERVICE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

OPPENHEIMER & CO. INC., ITS AFFILIATES, AGENTS AND LICENSORS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES, LOSSES OR INJURY CAUSED, IN WHOLE OR IN PART, IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THE CLIENT ACCESS SERVICE OR ANY INFORMATION PROVIDED THROUGH THE SERVICE, OR ANY VIRUSES OR HARMFUL COMPONENTS OR ANY REPAIRS OR CORRECTIONS THAT MUST BE PERFORMED ON YOUR COMPUTER, OTHER PROPERTY OR OTHERWISE ON ACCOUNT OF YOUR ACCESSING OR USE OF THE SERVICE OR THIS SITE.

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL OPPENHEIMER & CO. INC., ITS AFFILIATES, AGENTS OR LICENSORS, BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE OR SIMILAR DAMAGES THAT RESULT FROM YOUR ACCESS OR USE OF THE SERVICE OR SITE, ANY DECISION MADE OR NOT MADE OR ACTION TAKEN OR NOT TAKEN BY YOU IN RELIANCE ON THE SERVICE OR ANY INFORMATION PROVIDED THROUGH THE SERVICE, EVEN IF OPPENHEIMER & CO. INC. OR AN AUTHORIZED OPPENHEIMER & CO. INC. REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE TOTAL LIABILITY OF OPPENHEIMER, ITS AFFILIATES, AGENTS AND LICENSORS, FOR ANY AND ALL DAMAGES AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE), ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE SERVICE OR SITE, EXCEED THE AMOUNT, IF ANY, PAID BY YOU FOR SUCH USE.

View-Only Access

This section shall only apply to you if you have been named as an Interested Party pursuant to a View-Only Account Access Authorization, which is incorporated herein by reference. If that is the case, you understand that you are permitted view-only access in Client Access only to those accounts which belong to the client(s) who have named you as an Interested Party (the Account Owner(s)). By selecting the "I agree" on-screen button and using Oppenheimer Client Access, you acknowledge that you have reviewed the terms of this Client Access Agreement and accept your appointment as an Interested Party and agree to be bound by all the terms of this Client Access Agreement.

You agree that you will access the account(s) of the Account Owner(s) for proper uses only and will not engage in any illegal, fraudulent, or improper conduct under applicable laws, rules and/or regulations. You agree to refrain from disclosing or disseminating any account information belonging to the Account Owner(s) without first obtaining the express permission of the Account Owner(s).

You understand and acknowledge that the View-Only Account Access Authorization amends and is part of the Client Agreement applicable to each of the account(s) at issue. You understand and acknowledge that if there is any conflict between certain terms of the View-Only Account Access Authorization and the Client Agreement, the terms of the View-Only Account Access Authorization shall govern, supersede and replace such terms. You understand and acknowledge that the View-Only Account Access Authorization shall be bound by the predispute arbitration clause set forth in the Client Agreement applicable to the account(s) at issue and that you shall be bound by such predispute arbitration clause.

You understand that the View-Only Account Access Authorization may be terminated at any time by the Account Owner(s) or by Oppenheimer under any of the terms set forth herein and that such access may be terminated with or without notice to you. You agree to immediately notify Oppenheimer of the death of the Account Owner(s) or other events that would render the View-Only Account Access Authorization void, including the incapacity, incompetence or mental disability of the Account Owner(s). If you learn that the View-Only Account Access Authorization has been revoked or voided for any reason then you agree to immediately cease using Client Access.

Termination/Assignment

This Client Access Agreement shall continue until terminated by Oppenheimer or until you notify Oppenheimer in writing of your decision to terminate the service. This Client Access service is personal to you, and you may not assign your rights or obligations under this Client Access Agreement or otherwise to anyone without the prior written consent of Oppenheimer. This Client Access Agreement shall be binding on you, your executors, personal representatives, heirs, successors, and permitted assigns, as the case may be, and shall inure to the benefit of Oppenheimer & Co. Inc., its successors and assigns. From time to time Oppenheimer may amend this agreement and the terms of service. In such cases Oppenheimer will provide you with notice either in writing or by posting to Oppenheimer's website. Your use of Client Access after such notification shall constitute acknowledgment and acceptance of any such changes.

Applicable Law; Other Agreements

This Client Access Agreement, the rights and obligations of both parties, and all the actions contemplated hereunder, shall be governed by and construed in accordance with the laws of the United States of America and the State of New York, as if the Client Access Agreement was a contract wholly entered into and wholly performed within the State of New York, without giving effect to the principles of conflicts of law or a choice of law analysis. Both parties consent to the exclusive jurisdiction of the state and federal courts of New York in adjudicating any dispute that arises under this Agreement.

This CLIENT ACCESS AGREEMENT is in addition to (and not a replacement for or modification of) any other agreement(s) you may have with Oppenheimer & Co. Inc.