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Terms and Conditions of website use

The following is an agreement between yourself (you) and Brown Bag Media, LLC. This page (together with any other documents referred to on it) tells you the terms of use (“Terms”) on which you may make use of our websitewww.teambrownbag.com(our“Site”). By using this website and accessing any of the contents contained in it, you agree to be bound by the following terms and conditions. Please read these Terms carefully before you start to use our Site. If you disagree with any of the Terms and Conditions of Use below, please refrain from using our Site and navigate away from the Site. These terms function closely with ourPrivacy Policy, which is incorporated by reference, so please review that too.

We may revise these Terms at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these Terms may also be superseded by provisions or notices published elsewhere on our Site.

Information about us

Our site is operated by Brown Bag Media, LLC (“we”, “us” or “our”), 2101 Chapel Plaza Court, Columbia, MO 65203.

Accessing our site

Access to our Site is provided on a temporary basis and we reserve the right to withdraw access to our Site or amend the service we provide on our Site without notice. We will not be liable if for any reason our Site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these Terms, and that they comply with them. You agree not to damage, interfere with or disrupt access to the Site or do anything which may interrupt or impair its functionality.

Anything on our Site may be out of date at any given time, and we are under no obligation to update it. We seek to ensure that information published on our Site is accurate when posted, but we cannot be held liable for its accuracy or timeliness and we may change the information at any time without notice. You must not rely on information on the Site and you acknowledge that you must take appropriate steps to verify this information before acting upon it.

Monitoring

We reserve the right to monitor and track your visits to the Site.

Intellectual property

We are the owner or the licensee of all copyright, trademarks, design rights, database rights, confidential information or any other intellectual property rights (together theIntellectual Property) in our Site. The Intellectual Property in our Site is protected by copyright and other intellectual property laws and treaties around the world. All such rights are reserved.

License

You are permitted to print and download extracts from the Site for your own use on the following basis:

  1. no documents or related graphics on the Site are modified in any way;

  2. no graphics on the Site are used separately from the corresponding text; and

  3. our copyright and trademark notices and this permission notice appear in all copies.

Unless otherwise stated, the copyright and other intellectual property rights in all material on the Site (including without limitation photographs and graphical images) are owned by us or our licensors. For the purposes of these Terms, any use of extracts from the Site other than in accordance with this license for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use the Site automatically terminates and you must immediately destroy any downloaded or printed extracts from the Site.

Subject to this license, no part of the Site may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission. Any rights not expressly granted in these terms are reserved. You agree not to adapt, alter orcreate a derivative work from any of the material contained in this Site or use it for any other purpose than for personal, non-commercial use.

Disclaimer

While we endeavor to ensure that the information on the Site is correct, we do not warrant the accuracy and completeness of the material on the Site. We may make changes to the material on the Site, at any time without notice. The material on the Site may be out of date, and we make no commitment to update such material.

Implied Terms

The express provisions of these Terms are in place of all warranties, conditions, terms, undertakings and obligations implied by statute, common law, trade usage, course of dealing or otherwise, all of which are excluded to the fullest extent permitted by law.

Limited Liability

THIS WEBSITE AND THE INFORMATION, SOFTWARE, AND SERVICES ARE PROVIDED 'AS IS' WITH NO EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. BROWN BAG MEDIA, OR ANY OF ITS AFFILIATES, IS NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER INJURY ARISING OUT OF THE USE OF THE SITE.

The Site is intended for users who are at least 18 years old and reside in the United States or the District of Columbia. By accessing this site, you agree that you are bound by these Terms and Conditions of Use in their entirety.

Investors

The information contained on our Site (including, without limitation, the financial information concerning us) is not an invitation to invest in shares or other securities, or any other products or services or otherwise deal in these or enter into a contract with us or any other company. The information provided should not be relied upon in connection with any investment decision. If you need advice, please consult with a professional financial adviser.

The past performance of us or any other company referred to on the Site cannot be relied upon as a guide to its future performance. The price of shares and the income derived from them can go down as well as up and investors may not recoup the amount originally invested.

Our Site contains certain forward-looking statements that are neither reported financial results nor other historical information. Because these forward-looking statements are subject to assumptions, risks and uncertainties, actual future results may differ materially from those expressed in or implied by such statements. Many of these assumptions, risks and uncertainties relate to factors that are beyond our ability to control or estimate precisely, such as delays in obtaining or adverse conditions contained in regulatory approvals, competition and industry restructuring, changes in economic conditions, currency fluctuations, changes in interest and tax rates, changes in laws, regulations or regulatory policies, developments in legal or public policy doctrines, technological developments, the availability of new acquisition opportunities or the timing and success of future acquisition opportunities. These forward-looking statements speak only as of the date of their publication on the Site. We do not undertake any obligation to publicly release any revisions to these forward-looking statements to reflect events or circumstances after the date of their publication on the Site.

Indemnity

You agree to indemnify Brown Bag Media, LLC and its Affiliates from and against any and all liabilities, expense(including attorney's fees) and damages arising out of any claims resulting from your use of this website, including without limitation any claims alleging facts that, if true, would constitute a breach by you of these Terms and Conditions of Use.

Dispute Resolution

Any claim, dispute, or cause of action arising out of the use of the Site shall be subject to arbitration under the commercial arbitration rules of the American Arbitration Association, in a proceeding held before one arbitrator as chosen by Brown Bag Media, LLC. The arbitration shall occur in Boone County, Missouri. Any claim, dispute, or cause of action shall be resolved in the arbitration proceeding and shall be binding on all parties. You, as the consumer, waive and forfeit any and all rights to any action in state or federal court to defend or assert your rights.

Other Terms —Complete Agreement and Choice of Law

This agreement between you and Mortgage Research Center, LLC supersedes all prior communications, whether oral or written. To the extent allowable, this agreement shall be subject to the laws of the State of Missouri. All rights not expressly granted herein are reserved.

Please Print and Retain a Copy of this Agreement for Your Records.

Thank you for visiting our Site.

Brown Bag Media, LLC (Last Updated March 22, 2021)