By clicking on the "Submit" button you understand, acknowledge, and agree that the following provisions govern your use of Hand Securities, Inc.. If you do not agree to any of these provisions, do not enter the system.

1. Hand Securities, Inc. is a service of PrimeVest Financial Services, Inc. ("PrimeVest").

2. Your Hand Securities, Inc. account is subject to your PrimeVest New Account Application and Customer Agreement that you have signed and completed, or must sign and complete, before being provided access to Hand Securities, Inc..

3. Your entry of orders on margin or your entry of option orders Hand Securities, Inc. are subject to your applicable PrimeVest margin or option account agreements.

4. You will receive a number, code, or other alphanumeric sequence which will provide you access to your account on Hand Securities, Inc. (this will be referred to as your "Password"). You are responsible for all activity that takes place through Hand Securities, Inc. through the use of your Password. Therefore, you will take proper precautions to protect your Password from use by unauthorized persons. You will also notify PrimeVest immediately by telephone at 866-663-4430 when you become aware or suspect that your Password has been lost, stolen, or otherwise compromised.

5. If you place an order through Hand Securities, Inc., you will immediately notify PrimeVest by telephone at 866-663-4430 if any of the following events occur:

• You do not receive an acknowledgement by E-mail that your order has been received (this applies only if you have selected the E-mail notification option in the "Profile" section);
• You do not receive a confirmation of your transaction by regular mail; or
• You receive an acknowledgement of an order or a confirmation of a transaction that you did not authorize.

6. Your orders may be subject to manual review and entry by PrimeVest. You accept the risk that PrimeVest's manual review and entry of your orders will delay the execution of your orders.

7. Hand Securities, Inc. does not give you direct access to markets. Depending upon prevailing market conditions and Hand Securities, Inc. system capacity, there may be significant delays from the time you enter your orders until they are executed. If you enter market orders, these delays expose your orders to greater risk of execution at prices significantly different from the prices quoted at the time your orders were placed. You acknowledge and accept this risk.

8. PrimeVest will not accept orders sent by E-mail. Only orders placed through Hand Securities, Inc. or telephoned to a PrimeVest trading representative or Investment Executive will be processed. If you place your order by telephone, you may be charged a higher commission than if you placed your order through Hand Securities, Inc..

9. PrimeVest will not be deemed to have received any transaction order entered through any electronic or other means until it is actually received by PrimeVest.

10. You may be charged a fee to purchase no-load mutual funds through Hand Securities, Inc.. You acknowledge that no-load mutual funds may be purchased directly from the fund companies without paying a fee.

11. You acknowledge that you have received a commission schedule describing the transaction commissions you will be charged to use Hand Securities, Inc.. You also acknowledge that you have received the Hand Securities, Inc. fee schedule that may be amended from time to time by PrimeVest. You agree to pay applicable commissions and fees.

12 Hand Securities, Inc. is provided on an "as is", "as available" basis without express or implied warranties, except those warranties that may not be excluded, restricted, or modified under law applicable to this Agreement. PrimeVest does not warrant that Hand Securities, Inc. will be uninterrupted or error-free. PrimeVest does not make any warranty regarding the results that may be obtained from the use Hand Securities, Inc. or regarding the timeliness, sequence, accuracy, completeness, reliability or content of any information service or transaction provided through Hand Securities, Inc.. Your use of Hand Securities, Inc. is at your sole risk.

13. This Agreement to use Hand Securities, Inc. may be amended by PrimeVest by posting the amendment on Hand Securities, Inc. site (http://handgroup.automatedfinancial.com) for five consecutive days. Your use of Hand Securities, Inc. after that period of time constitutes your consent to, and agreement with, the posted amendment.

14. PrimeVest may terminate your use of Hand Securities, Inc. at any time and for any reason.

15. You are aware that section 21 of your PrimeVest Customer Agreement contains an agreement to arbitrate disputes and that section 9 contains your consent to the exchange of confidential information between Hand Securities, Inc. and PrimeVest.