Terms and Conditions

There are important terms and conditions associated with using CRA Retirement Account Access. It is important to read, understand, and accept these terms and conditions before entering CRA Retirement Account Access. Authorization By acknowledging this disclaimer, I authorize Columbus Retirement Administrators, Inc. (CRA), its affiliates and the funds to allow access to my accounts and to act on any instructions received from me via the Internet. I also authorize access to future versions of the CRA Retirement Account Access Online service. I agree that I am responsible for verifying any instructions I provide and for ensuring the confidentiality of my password. I will contact CRA immediately if there are any errors in transactions or if someone has gained unauthorized access to my password. I understand that the Internet instructions sent to CRA are subject to such conditions and limitations as may be set forth in the CRA Services Agreement and applicable plan documents previously executed, the prospectus or other disclosure statements for each investment option offered under the Plan, and such other conditions and limitations as may be communicated by CRA to the Plan and its participants and beneficiaries from time to time. I agree to indemnify, defend, and hold harmless CRA, and their respective officers, directors, trustees, shareholders, affiliates, and agents against any loss, liability, damage, cost or expense (including, without limitation, counsel fees and expenses in connection with the contest or settlement of any claim) that any one or more of them might incur or sustain, or discover that they incurred or sustained, howsoever they arise, by reason of any claim which be made against any of them in connection with or as a result of any Internet transactions. Security CRA is very concerned about the security of participant account information. We did not offer on-line access to account information until we were assured of an acceptable level of security. To access your retirement account information, you will need a browser with 128-bit encryption, which provides a very strong level of security. CRA Retirement Account Access is designed to be as secure as reasonably possible, given current Internet and encryption technology. However, by assenting to these terms and conditions, you acknowledge the inherent risks and responsibilities associated with conducting business via the Internet. NOTE: ACCESSING OR REQUESTING ACCOUNT INFORMATION OR TRANSACTIONS THROUGH THIS SITE CONSTITUTES AND SHALL BE DEEMED TO BE AN ACCEPTANCE OF THE FOLLOWING TERMS AND CONDITIONS. The accuracy, completeness, and timeliness of all mutual fund information provided is the sole responsibility of the mutual fund company which provides the information. The on-line acknowledgements or other messages that appear on your screen for transactions entered do not mean that the transactions have been received, accepted, or rejected. These acknowledgementsare only an indication that the transactional information entered by you has either been transmitted to the CRA Retirement Account Access system, or that it cannot be transmitted. You will receive a confirmation statement by mail that reviews your requested activity and whether it has been accepted or rejected. It is the responsibility of the Plan Investment Advisor or Mutual Fund to deliver to you a current prospectus, and any other documents or information required by applicable law. NO TRANSACTION SHALL BE DEEMED ACCEPTED UNTIL YOU RECEIVE A WRITTEN CONFIRMATION. You are responsible for reviewing all fund account statements received by you in the mail in order to verify the accuracy of all fund account information provided in the statement, and all transactions entered through this site. You are also responsible for promptly notifying the Plan Administrator of any errors or inaccuracies relating to information contained in, or omitted from your account statements, including errors or inaccuracies arising from the transactions conducted through this site. If you plan to exchange shares, please read the prospectus you received when you enrolled in your retirement plan before exchanging into any new fund(s). Please contact your employer or the Plan Investment Advisor if you need another copy of a prospectus. TRANSACTIONS ARE SUBJECT TO ALL REQUIREMENTS, RESTRICTIONS AND FEES AS SET FORTH IN THE PROSPECTUS OF THE SELECTED FUND.