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MFA CUSTOMER AGREEMENT
THIS AGREEMENT (Agreement) is between you, the Consumer, (Consumer or You), and Myfinancialadvice, Inc. (MFA or We or Us).

DEFINITIONS
We have included the meanings of all capitalized terms that we use in this Agreement in Appendix A.
TERMS AND CONSIDERATION
This Agreement describes the terms and conditions under which We will allow You to use our Website to contact Advisors and obtain advice from them. When You click on the approval box on the online screen where You see this Agreement or when You use the Website to obtain any Advisor Services, You will have approved this Agreement and You and MFA will be bound by its terms. Both MFA and You agree that Your use of the Website and access to Advisor Services and the mutual agreements of MFA and You in this Agreement are full and adequate consideration for your and MFA's respective obligations under this Agreement. MFA may prohibit any person from access to the Website or from using the MFA Services, at any time, in its sole discretion.
AMENDMENT
We may amend this Agreement or any of the Rules, regulations, requirements or conditions that apply to the MFA Services at any time by posting the amendment on our Website. All amendments are effective as soon as We post them. If You continue to use the Website or ask for any new Advisor Services after we post an amendment, You will be considered to have agreed to the amendment and You will be bound by it.
YOUR OBLIGATIONS AND REPRESENTATIONS
1. REPRESENTATIONS AND WARRANTIES You hereby represent and warrant to MFA as follows:
  1. You agree that during the term of this Agreement and for a period of two years from the date an Advisor terminates his or her relationship with MFA, You will not seek any Services directly from the Advisor; You will not attempt to meet with an Advisor in person; You will not attempt to purchase any product from an Advisor; and You will not pay any fees directly to an Advisor. You understand that every Advisor listed through MFA is under the same restrictions.
  2. You are an individual, at least 18 years old, who is able to form legally binding contracts under the laws of your state of residence and the state of Colorado.
  3. You are acting on your own behalf or that of your immediate family and not on behalf of any other individual or on behalf of any entity, whether private, public, governmental, nonprofit or other.
  4. Your legal residence and the place from which You are accessing the MFA Services are within the United States, are listed accurately on your registration information; and do not prohibit access to or participation in services such as those offered by MFA and the Advisors.
  5. You represent that the information You have provided in your registration forms is true, accurate, current and complete; You will let MFA know immediately if there is any change to any of that information; and You acknowledge and agree that the Advisors and MFA may rely on the information You provide as being accurate and current.
  6. You will maintain the confidentiality of your password and username, You accept full responsibility for all activities that occur under your password and username and You agree to notify MFA of any unauthorized use of your password or username or any other breach of security as soon as You become aware of such use or breach.
  7. You have not previously had an account with MFA that MFA terminated for cause and You will maintain no more than one (1) account with MFA at any given time.
  8. You understand and agree that the MFA Services and the Website are available to You solely for the purpose of obtaining advice from Advisors and for no other purpose and You will not use the MFA Services or the Website for any other purpose.
  9. You agree to comply with all rules and regulations that apply to your use of the Website and the MFA Services as they may be posted on the Website from time to time.
2. CONFIDENTIAL INFORMATION Except for the limited purpose of accessing Advisor Services as authorized by this Agreement, You agree not to use, copy, share, otherwise disclose to any third party, modify, rent, lease, loan, sell, distribute, reverse engineer, create derivative works based on, or otherwise access or manipulate any Confidential Information as defined in Appendix A. You understand that Confidential Information includes the MFA proprietary software and MFA Services. You acknowledge that all Confidential Information is protected by applicable privacy, intellectual property and other state and federal laws. You understand that your unauthorized use of any of such materials will subject You to possible criminal sanctions and/or potential damages to MFA, Advisors and others.
3. INTEGRITY OF COMPUTER SYSTEMS You understand that it is your obligation to protect your computer systems from any viruses, worms, infected data or other problems that could be transmitted through the Website or from Advisors to You. You will not knowingly transmit any virus, worm, infected data or other harmful data to MFA or any Advisor and You will notify MFA immediately if You become aware that You have transferred any such item inadvertently.
OBLIGATIONS AND REPRESENTATIONS OF MFA
1. MFA SERVICES
  Through the MFA Services, MFA gives You access to Advisors who may be able to answer your financial questions or provide advice to You (Advisor Services). MFA is not a party to any transaction between You and any Advisor. This is not an advisory agreement and MFA is not offering to provide investment advice to You under this Agreement. MFA does not endorse, recommend, guarantee or make any other representation or warranty regarding the suitability, usefulness, quality, accuracy, reliability, accessibility, integrity, completeness, legality of, or level of risk associated with, any advice You may receive from an Advisor through MFA Services.
2. CUSTOMER SERVICE ASSURANCE
  If You have any concerns with the MFA Services or any of the terms of this Agreement, You should send your concerns immediately to MFA. If You have any concerns with the Advisor Services You receive through the Website, You should send those concerns to the Advisor, with a copy to us, so that we are aware of any disagreements that You may have with a particular Advisor. If we believe that You have not received quality Services from us, we may provide to You a credit of $25.00 to be used with another Advisor of your choice as part of our Customer Service Assurance. In limited cases where your Advisor has not provided You with any advice for which You have paid, we may assign your Project to another Advisor, including an Advisor that works for MFA. This Assurance is the maximum amount of MFA's obligations to You for Services You use through the Website.
3. PRIVACY
  MFA respects the privacy of your nonpublic personal information. Please review our privacy policy, at www.myfinancialadvice.com/common/PrivacyPolicy.aspx. If You have any questions or comments about our privacy policies, You may contact us at our address listed in Section XI, below. You understand and agree that, irrespective of the provisions on privacy and confidentiality contained in this Agreement, if We become aware that any of your activities violate any state or federal laws or regulations, We, in our sole discretion, may report such activities to applicable authorities.
4. MATCHING
  Our proprietary matching system uses a variety of factors to identify the names of Advisors who appear to meet your requests. There is no assurance that the Advisors will in fact have all of the qualifications that You request for a specific Project. You are responsible for making the selection of the Advisor based on the information available about the Advisor on the Website.
5. AVAILABILITY AND STRUCTURE OF WEBSITE
  We reserve the right to discontinue or modify, temporarily or permanently, all or part of the capability of the Website with or without notice. We may limit the availability during certain hours to conduct maintenance, install upgrades or do other work on the system. We may make changes to the structure of the Website, update information on the Website, provide additional Services, modify features and/or change the format of any part of the Website in our sole discretion. There may be occasions when You are unable to access our Website or some of our Services due to technical or other problems that may or may not be within our control. We are not liable for any damages or losses You may incur through interruptions or disruptions in the availability of the Website.
6. STORAGE OF INFORMATION AND DATA
  The data stored on the Website belongs to MFA. We reserve the right to limit the size of any file and to set the length of time We will keep any information accessible on the Website. You should download and store any information You want to keep into your own computer or other file system.
7. THIRD-PARTY WEBSITE LINKS
  The MFA Website may contain links to websites operated by parties other than MFA. We provide those links for your benefit and information. We do not control such websites and We are not responsible for their content. Our inclusion of links to such websites does not imply any endorsement of the material on such websites or any association with their sponsors. We may compensate the sponsors of certain of those websites who also include links to our Website by paying them fees that are based on the amounts we earn from Consumers who access our Services through links from their website.
FEES AND PAYMENT
1. ADVISOR FEES
  1. Responsibility
    We do not negotiate the fee You will pay for Advisor Services. You are responsible for negotiating and agreeing with the Advisor on the fee that You will pay for a specific Project.
  2. Payment
    You must pay all fees for Advisor Services by credit card, in U.S. dollars. You authorize MFA to collect the agreed-upon fee for the Advisor from your credit card account at the time the Advisor starts the Project. We will keep the fee in a segregated bank account until the Project is completed, even if this Agreement is terminated before the end of the Project. We will pay the fee to the Advisor when the Advisor sends us the Project Summary indicating the Advisor has completed the Project.
  3. Refunds
    We will refund, through a credit to your credit card account, any fees that we have collected for an Advisor, which fees have not been fully earned by the Advisor within six (6) months from the date we collect the fees. Otherwise, except under extraordinary circumstances, such as the inability or unwillingness of an Advisor to complete a Project, fees are nonrefundable once they have been collected. For a Project that has been partially completed, MFA, in its discretion, may prorate the fee based on the Advisor Services that were actually provided.
2. MFA FEES
  To cover the MFA Services we earn a fee equal to a percentage of the amount You agree to pay an Advisor for a Project. Our fee is earned when a Project is completed. Our fees range from 25% to 50 % of the fee that You pay the Advisor. The specific amount will be determined at the time You agree with an Advisor on a specific Project. Once paid, our fee is not refundable, unless the Advisor's fee is refunded.
TERMINATION
1. MFA'S RIGHT TO TERMINATE
  - You have violated or are threatening to violate any of the terms of this Agreement, including any of the representations You have made in Section IV,
  - You have violated or are threatening to violate any of the rules or regulations imposed on Consumers who access the Website,
  - You have engaged or intend to engage in fraudulent activity in connection to the Website or any of the MFA Services or Advisor Services,
  - your continued participation will cause harm to any of MFA, the Advisors, the Website, any other Consumer or any other person affiliated or associated with any of those persons, or
  - for any other reason MFA believes appropriate.
2. YOUR RIGHT TO TERMINATE
  You may terminate your participation in the MFA Program and your ability to access Advisor Services by notifying MFA at any time.
3. EFFECT OF TERMINATION
  1. Payments and Fees
    At termination, We will charge your credit card account for any amounts due at termination for any unpaid Advisor fees. Unless specifically authorized by other provisions of this Agreement, We will not refund any of the fees we have collected from You for Advisor Services.
  2. Continuation of Certain Provisions
    It is understood and agreed that, whether MFA terminates this Agreement or You decide to terminate it, the following provisions will remain binding on You after termination:
    - the provisions concerning confidentiality in Section IV.A.5 and IV.B.;
    - the restrictions on the use of the Website in Section IV.A.7;
    - the restrictions on activities with Advisors in Section IV.D;
    - the provisions concerning liability and indemnification in Section IX; and
    - the provisions on Arbitration in Section X.
ASSIGNMENT
MFA may assign its interest in this Agreement only with Your consent. You may not assign any of your rights under this Agreement to any person. As used in this paragraph, "assign" or "assignment" has the meaning given to the terms under Sections 202 and 205 of the Investment Advisers Act of 1940. Assignment under that Act includes any change in the control of MFA, such as a sale of stock, a sale of its assets, merger or acquisition.
LIABILITY AND INDEMNIFICATION
1. LIMITATIONS ON LIABILITY
  1. Disclaimer of Warranties
    The Website and all of its content are provided "as is" and "as available" without warranties or conditions of any kind, either express or implied. We will not be liable for damages, including any refunds, prorations or adjustments to fees You have paid or fees You are unable to collect as a result of any interruption, disruption, discontinuation or termination of the availability of our Website or the Services provided through the Website for any reason. Furthermore, We will not be held accountable for any disruption that such events would cause in the delivery of your Services to Consumers through the Website.
  2. Limitation on Liability of MFA
    Except for those liabilities under the securities laws for which MFA may not disclaim liability, MFA will not be liable or held accountable to You or any other person claiming by or through You for any losses, damages or costs that result from, are caused by, or are incurred in connection with, your participation in the MFA Services or Advisor Services through the MFA Program and its Website. You hereby release MFA from any and all such liabilities.
2. INDEMNIFICATION
  1. Indemnification by You
    You hereby agree to indemnify and hold harmless MFA and each person who controls MFA within the meaning of Section 15 of the 1933 Act, and each of MFA's officers, directors, employees and Associated Persons, for any losses, costs or other damages incurred by such persons that resulted from any breach by You of any of your representations or obligations under this Agreement or any breach of any of the rules of MFA posted on its Website.
  2. Notice of Action
    Any party seeking indemnification under this Agreement must give prompt notice to the other party of the occurrence of any claim, proceeding or notice that may involve a matter for which indemnification would be possible. Failure of MFA to provide such notice, however, shall not relieve You of your duty to indemnify under this Agreement.
3. LIABILITY UNDER SECURITIES LAWS
  Nothing in this Section shall prevent any party to this Agreement from bringing any action against any other party to this Agreement claiming liability under any provisions of any applicable securities laws in connection with the services provided by MFA under this Agreement.
ARBITRATION.
1. INFORMATION YOU SHOULD CONSIDER
  1. Arbitration is final and binding on the parties to it.
  2. You are waiving your right to seek remedies in court, including the right to a jury trial.
  3. Pre-arbitration discovery is generally more limited than and different from court proceedings.
  4. The arbitrators' award is not required to include factual findings or legal reasoning and your right to appeal or to seek modification of rulings by the arbitrators is strictly limited.
  5. The panel of arbitrators may include arbitrators who were or are affiliated with the financial services industry.
2. OBLIGATION TO ARBITRATE
  You agree that any dispute(s) or difference(s) which You may have against MFA or any of its control persons, officers, directors, employees or associated persons that involves or arose out of this Agreement or any services provided under this Agreement shall be resolved through arbitration under the rules of the American Arbitration Association of the National Association of Securities Dealers, Inc., if available to the parties. Notwithstanding anything to the contrary, MFA may at any time seek injunctions or other forms of equitable relief from any court of competent jurisdiction.
NOTICE
Any notices required under the terms of this Agreement must be in writing and must be addressed and delivered, mailed postage paid, or sent prepaid by other delivery service, by facsimile transmission or by e-mail to each party at the address each party has designated for the receipt of notice. Any notice sent by e-mail or facsimile transmission must be confirmed by notice sent by mail or other delivery service. The address for notice to You shall be the address included in your registration information. MFA's address for notice shall be as follows:
Myfinancialadvice, Inc.
c/o Consumer Relations
3005 Center Green Drive
Suite 115
Boulder, CO 80301
Notice shall be considered to have been received the day it is sent if it is sent by facsimile transmission or email, the day it is received if it is sent by courier or other delivery service or three days after it is placed in the mail, postage prepaid.
GENERAL
1. INTERPRETATION; GOVERNING LAW
  Irrespective of the application of any laws or rules governing choice of laws, except for those provisions under certain applicable securities laws that may override this Section, You understand and agree that the provisions of this Agreement and the enforcement of any of its terms shall be construed in accordance with, and governed by, the internal laws of the state of Colorado. However, any term or provision of this Agreement that is the same as or derived from a term or provision included in federal or state securities or insurance laws or regulations, shall be interpreted by referring to such laws or regulations and to interpretations of those laws by applicable federal or state regulatory authorities.
2. ENTIRE AGREEMENT
  This Agreement is the entire agreement and understanding of the parties to this Agreement. It replaces and supersedes any prior agreements or representations between the parties affecting the matters addressed in this Agreement, whether or not such prior agreements were in writing.
3. VALIDITY OR ENFORCEMENT
  The failure of MFA to exercise or enforce any of its rights under this Agreement or any provision of this Agreement shall not be considered a waiver of such right or provision and MFA shall have the right to enforce the right or provision at any time in the future or against any other party. If any provision of this Agreement is found by a court of competent jurisdiction or arbitration panel to be invalid, the parties nevertheless agree that the court or panel should endeavor to give effect to the parties' intentions as reflected in the provision. The invalidity of any provision in the agreement shall not effect the validity of any other provisions of this Agreement, all of which shall remain in full force and effect.
4. INTERPRETATION
  The section titles in this Agreement are for convenience only and have no legal or contractual effect.
ACKNOWLEDGEMENTS
BEFORE AGREEING TO ANY ADVISOR SERVICES, YOU MUST REVIEW THE DISCLOSURE DOCUMENT FOR MFA AT: www.myfinancialadvice.com/Pdf/MfaDisclosure.pdf AND THE DISCLOSURE DOCUMENT FOR THE ADVISOR AVAILABLE AS AN HTML LINK DIRECTLY FROM THE ADVISOR'S PROFILE PAGE ON OUR WEBSITE. YOU ACKNOWLEDGE THAT YOU HAVE REVIEWED A COPY OF MFA'S PRIVACY NOTICE AT: www.myfinancialadvice.com/Common/Static.aspx?Page=PrivacyPolicy BY CONSENTING TO THIS AGREEMENT, YOU ACKNOWLEDGE THAT YOU WILL BE BOUND BY SECTION X OF THIS AGREEMENT, WHICH CONTAINS A PREDISPUTE ARBITRATION CLAUSE, OBLIGATING YOU TO SETTLE ANY DISPUTE WITH MFA THROUGH ARBITRATION. BY MARKING THE "ACCEPT" BOX ON THE ONLINE SCREEN WHERE THIS AGREEMENT IS PRESENTED, YOU ARE SIGNING THIS AGREEMENT AND AGREEING TO BE BOUND BY ITS TERMS. WE RECOMMEND THAT YOU DOWNLOAD AND PRINT THIS AGREEMENT AND ALL THE ATTACHMENTS AND KEEP THEM WITH YOUR RECORDS FOR FUTURE REFERENCE.

APPENDIX A
DEFINITIONS
When the following terms are capitalized in the preceding Agreement, they will have the meaning described below (on some occasions, we may use a defined term in a different manner and not as the defined word. In those cases, it should be clear to You what meaning is intended):

Advisor - means a person whose profile is listed on the Website and who offers advice to Consumers through MFA.
Advisor Services - means the advice that a Consumer requests and that the Advisor provides through MFA.
Agreement - the agreement between You and MFA which allows You to use the Services offered by MFA. We encourage You to download and print the Agreement for your records.
Confidential Information means any nonpublic personal information that MFA or an Advisor may receive through the Website about Consumers and any information concerning or relating to the business of MFA, including, but not limited to any information about its systems, platform, business plan, strategic marketing data, procedures, methods, customer lists, customer data, costs, expenses, profit objectives, books, records, know how and trade secrets which Advisor may receive or acquire, whether during or after the term of the Agreement, regardless of the source of the information. Confidential Information shall not include any information which, at the time of disclosure, (i) was available to the public, (ii) was rightfully obtained from third parties under no obligation of confidentiality with respect to such information, (iii) was independently developed by the party without access to Confidential Information, or (iv) was already in the possession of the party prior to the commencement of Services.
Consumer - means any person who may access the Website and request Services through the Website from an Advisor.
Disclosure Document - the document available through the Website for MFA and for each Advisor that discloses information about MFA, the Advisor, the relationship between them and the fees charged by each of them. We encourage You to download and print this document for your records.
MFA Myfinancialadvice, Inc., a Delaware Corporation that sponsors the Website through which You can obtain Services from Advisors listed on the Website.
Nonpublic Personal Information means any information relating to a Consumer that is defined as nonpublic and/or personal, (or definitions having similar meanings or understandings) under any rules or regulations of the SEC, the Federal Trade Commission or any other state or federal regulatory authority having jurisdiction over Advisor. Please review the MFA Privacy Policy for full definitions and treatment of confidential and personal information at: www.myfinancialadvice.com/general/privacy.aspx
Project - a request by a Consumer for specific advice from an Advisor.
MFA Services - means the Website and the ability of a Consumer to review Advisors and request advice through that Website. MFA Services do not include offering or giving advice as an Advisor.
Website Myfinancialadvice.com the site on the World Wide Web sponsored by Myfinancialadvice, Inc., which allows Consumers to obtain advice from Advisors.