Collection of Non-Public Personal Information

We collect non-public personal information about our clients and prospects, such as their name, address, social security numbers, birth dates, assets, income levels, investment histories, information about their investment goals, and risk tolerance as well as other financial information, from the following sources:

(i) In Veritable’s Investment Consulting Agreements and related documents; (ii) In written, telephonic or electronic correspondence, such as e-mails and conversations with Veritable’s employees; (iii) In financial statements provided by third parties such as banks, brokerage firms and mutual fund companies; and (iv) In the Subscription Agreement and related limited partnership documents if clients are invested in one or more of Veritable’s pooled investment vehicles.

Disclosure of Non-Public Information

We may disclose all of the information described above to certain third parties under one or more of these circumstances:

(i) As authorized by our clients, if they request the disclosure of the information to third-parties; and (ii) As required by law or requested by Federal or State regulators.

Security of Non-Public Information

We restrict access to non-public personal information about our clients to those employees who need to know that information to provide related services. We maintain physical, electronic, and procedural safeguards that comply with federal regulation to guard our clients’ non-public personal information.

This privacy notice relates to Veritable and all related entities and affiliates.

No Warranties

Although Veritable, LP attempts to provide accurate information, names, images, pictures, logos, icons, documents, and other materials, including, but not limited to, any information and other materials provided by third parties (collectively, the “Contents”), on the Veritable, LP web site, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE VERITABLE, LP WEB SITE AND ITS CONTENTS ARE PROVIDED ON AN “AS IS” BASIS. USE OF THE WEB SITE AND ITS CONTENTS IS AT THE USER’S SOLE RISK. THE VERITABLE, LP WEB SITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, VERITABLE, LP ALSO MAKES NO REPRESENTATIONS, ENDORESEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEB SITE OPERATED BY A THIRD PARTY.

Limitation of Liability

IN NO EVENT WILL VERITABLE, LP, AFFILIATES, CONTRACTORS OR AGENTS, OR THEIR RESPECTIVE DIRECTORS, OFFICERS OR EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY’S USE OF THE WEB SITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEB SITE OR ANY WEB SITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS WEB SITE OR ANY OTHER WEB SITE, EVEN IF VERITABLE, LP IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Risks & Limitations

Contents contained in any part of the Veritable, LP web site which is not protected by a password are not investment advice. Such Contents are not intended and should not serve as the sole or primary basis for making any of your investment decisions. You should consult with a financial advisor to develop an investment program that takes into consideration your individual needs and circumstances. Veritable, LP does not provide legal, tax or accounting advice in any part of its web site. You should consult with such professional advisors as you deem appropriate.

Use of Veritable, LP web site

Content included in the Veritable, LP web site is solely for the personal use of Veritable, LP web site users. You may not copy (other than a copy for personal, non-commercial use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of the Veritable, LP web site without the prior written consent of Veritable, LP, which may be withheld in its sole discretion.

Copyrights and Other Intellectual Property

Except where otherwise expressly noted or as noted below, all Contents of the Veritable, LP web site, including the graphics, icons and overall appearance of the Veritable, LP web site, are the sole and exclusive property of Veritable, LP. The posting of the Contents of the Veritable, LP web site neither constitutes a waiver of any of Veritable, LP’s proprietary rights or any party’s proprietary rights, including but not limited to, copyrights, trademarks, service marks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Veritable, LP web site user or to any third party and nothing contained in the Veritable, LP web site should be construed as granting any license or right to use any of the foregoing intellectual property rights without the express written permission of Veritable, LP or such third party that may own such intellectual property rights. Contents of the Veritable, LP web site are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Veritable, LP web site. Your use of any of the foregoing intellectual property rights or any Contents of the Veritable, LP web site, except as provided herein, is strictly prohibited.

Adobe®, Acrobat®, and Acrobat® ReaderTM are registered trademarks or trademarks of Adobe System Incorporated in the United States and/or other countries.

The display of the above trademarks and service marks within this web site does not grant a license of any kind to the reader. Any downloading of material contained in the site, or of any site linked to the site may be a violation of federal trademark and copyright laws. Any downloading of Contents of this web site or any web site linked to this web site may be a violation of federal and other trademark laws and federal copyright laws.

Links to Other web sites

Veritable, LP may establish links between this web site and one or more web sites operated by third parties. Veritable, LP has no control over any such other web sites or the contents thereof and is not responsible for the contents of such web sites. The existence of any such links shall not constitute an endorsement by Veritable, LP of such web sites, the contents of the web sites, or the operators of the web sites.

Transmission to and from this web site

Except where expressly indicated otherwise, transmission to and from this web site or directed to Veritable, LP, including E-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at Veritable, LP. Please do not use E-mail to send us communications, which contain confidential information or which need our immediate attention. Please call 1-610-640-9551 or write to us at: Veritable, LP, 6022 West Chester Pike, Newtown Square, PA 19073, Attn: Webmaster. Any transmission to this Web site, including E-mails shall be deemed and remain the property of Veritable, LP. Veritable, LP shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a web site user to Veritable, LP through this web site. Available Only Where Permitted by Law. The products and services of Veritable, LP are available only in the United States and other countries where permitted by law.

Modifications

Veritable, LP may at any time make modifications, changes, and alterations to the Contents of this web site, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this web site following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.

Governing law

These Terms and Conditions shall be governed by and construed in accordance with the law of the Commonwealth of Pennsylvania, without regard to the conflict of laws thereof, and to the laws of the United States.

Venue

Disputes arising from the use of this web site shall be exclusively subject to the jurisdiction of any federal or state court for the Eastern District of Pennsylvania or the county of Chester, Pennsylvania.

Severability

To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.

Waiver

No waiver by Veritable, LP of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time.

Service Contact

You may contact Veritable, LP by e-mail [webmaster@veritablelp.com]; by phone at 1-610-640-9551; or by mail to Veritable, LP, 6022 West Chester Pike, Newtown Square, PA 19073, Attn: Webmaster.