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FACTIVA


TERMS OF USE SECTIONS

 * Service
 * Use of the Service
 * Risk & Compliance Service
 * The Wall Street Journal & Barron's Services
 * Administrator
 * Fees
 * Termination
 * Privacy
 * Warranty and Limitation of Liability
 * Notices
 * General
 * Data Processing Principles Schedule


DOW JONES TERMS OF USE

Last Revised September 1, 2013

Thanks for using our services (“Services”).

These terms of use (“Terms of Use”) shall apply to your use of the Service,
unless your employer has signed an agreement covering your use of this Service
(a “Corporate Agreement”), in which case the terms contained in such signed
Corporate Agreement shall apply. By using our Services and/or accessing
information therein (the “Information”), you are agreeing to these Terms of Use.

Your access to the Service is personal to you and may not be shared. In
addition, you may not redistribute full text articles, unless expressly
permitted in your employer’s signed Corporate Agreement. Please contact Dow
Jones Customer Service with any questions.


1. SERVICE

1.1 Dow Jones grants to you a non-exclusive, non-transferable,
non-sublicensable, non-assignable license to use the Information and the
Services pursuant to these Terms of Use.

1.2 Dow Jones retains control and ownership of the form and content of the
Service. You shall not acquire any ownership rights in the Service or the
Information, and you may not alter the form or content of the Service without
the written permission of Dow Jones.

1.3 The Information contained within the Service is either licensed from third
party information providers or is proprietary to Dow Jones. “Information”
excludes any publicly available content, which is viewed at third party internet
sites and accessed through the Service via links to such sites (“Web Content”).
You acknowledge that rights to use the Information in these Terms of Use are
contractual and exist independently of copyright law, accordingly these rights
cannot be affected by any license from a copyright holder or a reproduction
agent acting on their behalf.

1.4 The indexing codes and data (including but not limited to, Dow Jones
indexing codes, Reuters Instrument Codes and CUSIP data) used or available in
the Service (the "Codes") are owned by either Dow Jones, its affiliates or a
third party, and are protected by copyrights, database rights, trademarks and/or
patents owned by the relevant party. No proprietary rights are being transferred
with respect to the Codes. You may use the Codes solely to access Information
from the Service and may not otherwise copy or re-distribute the Codes. You
acknowledge that it may be required to obtain a license directly from the owner
in connection with the receipt or delivery of third party Codes (e.g. CUSIP data
or Reuters Instrument Codes) outside what is contemplated by these Terms of Use.

1.5 Dow Jones chooses the Internet sites through which any Web Content is made
available however Dow Jones does not license the use of such Web Content. You
are solely responsible for determining the extent to which you may use any such
Web Content. Dow Jones does not accept any liability in relation to the Web
Content.

1.6 Provision of a Service or any content not owned by Dow Jones is subject to
the continuing consent of the owner/licensor. If at any time Dow Jones ceases
publishing a Service to users generally, Dow Jones shall provide reasonable
prior written notice of such cessation of the Service to you.


2. USE OF THE SERVICE

2.1 You may access, download and print the Information for your own personal
use.

2.2 You may not:

 * (a) reproduce, distribute, display, sell, publish, broadcast or circulate the
   Information to any third party, nor make the Information available for any
   such use;
 * (b) redistribute, publish or use the Information or any derived content
   (including charts from the Information) in any commercial news or information
   service, nor permit any third party to do the same;
 * (c) use the Information or the attached Codes in conjunction with any systems
   or applications that enable any program trading (including without limitation
   algorithmic trading programs), data mining, text mining, or trend analysis
   function, or that integrate news with customer relationship management, order
   management, trading, or portfolio management tools or systems, or mid- or
   back-office applications;
 * (d) remove, conceal or alter any copyright notices contained in the Service;
 * (e) modify, reverse-engineer or disassemble any part of the Services or any
   software contained therein;
 * (f) create or store in electronic form any shared library or archive of
   Information which could be used as a research application;
 * (g) store any Information for more than 30 days; and/or
 * (h) share the individual password provided by Dow Jones to you pursuant to
   which you are enabled to access the Service with any third party.

2.3 You agree to comply with any additional restrictions notified by means of
any on-screen notices contained within an article of Information to which the
additional restriction relates.


3. RISK & COMPLIANCE SERVICE

3.1 If you access content sourced from a Dow Jones Risk & Compliance Service,
you may access personal and sensitive data (“Data”), as defined in the UK Data
Protection Act 1998 and its subsequent amendments. You and Dow Jones shall
comply with the respective laws and regulations within the jurisdictions in
which we process Data and the Data Processing Principles set out in the Data
Processing Principles Schedule set forth below. Both parties acknowledge that an
individual in relation to which Data is included in the Services (an
“Individual”) can enforce in its country of establishment this provision against
you or Dow Jones with respect to its Data.

3.2 Any news or other reference information included in the Risk & Compliance
Service shall be considered “Information” for the purposes of these terms of
use.

3.3 You shall only use the Data for: (a) assisting in complying with legal
duties and regulations which apply to you; or (b) performing law enforcement
duties.

3.4 In the event that a regulator or other legal authority to which you or Dow
Jones are subject requires Dow Jones to perform an audit of your performance
under these terms of use, you will, solely insofar as such audit is required by
applicable law, submit your data processing facilities, data files and
documentation, needed for processing, to reviewing, auditing and/or certifying
by Dow Jones (or any independent or impartial inspection agents or auditors,
selected by Dow Jones and not unreasonably objected to by you) to ascertain
compliance with the warranties and undertakings in this Section, with reasonable
notice. The request will be subject to any necessary consent or approval from a
regulatory or supervisory authority within your country, which consent or
approval you will attempt to obtain in a timely fashion.


4. THE WALL STREET JOURNAL AND BARRON’S SERVICES

Your access to and use of The Wall Street Journal and Barron’s shall be governed
by their online terms of use (the “WSJDN Terms of Use”). In the event of any
conflict between the WSJDN Terms of Use and these Terms of Use, the WSJDN Terms
of Use shall prevail with the exception of Sections 3 (Fees and Payments) and 4
(Cancellation and Renewal).


5. ADMINISTRATOR

If you access the Service to administrate the use of the Services by individuals
authorized by your employer to access the Services, you agree and confirm that
you obtained the appropriate consent from each such individual to provide their
information (names, location, e-mail address and phone details) to Dow Jones and
are authorized to order services on behalf of your employer. The information you
provide will be used by Dow Jones for administrating access to the Service for
such users including, specifically: (a) signing each individual up to the
Service; and (b) sending such users their log-in credentials.


6. FEES

6.1 If applicable, you agree to pay the relevant fees to Dow Jones within 30
days of receipt of the corresponding invoice in accordance with the remittance
instructions on that invoice. Should you fail to make any of the payments under
this Section by the relevant due date then Dow Jones may require you to pay
interest to Dow Jones at a rate of 1.5% per month, accruing daily, on the amount
due.

6.2 In addition to the relevant Fees, you shall be responsible for all
applicable sales, value-added and other such taxes or duties (including
withholding tax but excluding income taxes imposed on the income of Dow Jones)
payable in respect of your access to the Service, so that after payment of any
such taxes or duties the amount received by Dow Jones is not less than the
aggregate of the fees applicable to your access to the Service.


7. TERMINATION

7.1 If you are in breach of these Terms of Use, Dow Jones may suspend your
access to the Service without penalty until such breach is remedied.

7.2 On termination of your access to the Service, you shall promptly purge all
Information from the Service that you have stored.


8. PRIVACY

Registration data and other information provided by you to Dow Jones is subject
to the Dow Jones privacy policy.


9. WARRANTY AND LIMITATION OF LIABILITY

9.1 You agree that your access to, and use of, the Service and the Information
is on an “as is”, “as available” basis and Dow Jones specifically disclaims any
representations and warranties, whether express or implied, including without
limitation, any representations or warranties of merchantability or fitness for
a particular purpose. These Terms of Use do not give you any rights against
third party information providers with respect to use of Information.

9.2 Dow Jones and its affiliates, shareholders, directors, officers, employees
and licensors (the “Dow Jones Parties”) will not be liable (jointly or
severally) to you or any other person as a result of your access to or use of
the Services or the Information whether for direct, indirect, consequential,
special, incidental, punitive, or exemplary damages, including, without
limitation, lost profits and lost revenues (collectively, the “Excluded
Damages”), whether or not characterized in negligence, tort, contract or other
theory of liability, even if any of the Dow Jones Parties have been advised of
the possibility of or could have foreseen any of the Excluded Damages, and
irrespective of any failure or an essential purpose of a limited remedy. If any
applicable authority holds any portion of this section to be unenforceable, then
the Dow Jones Parties’ liability will be limited to the fullest extent permitted
by applicable law. Without limitation to the foregoing, the total liability of
Dow Jones under these Terms of Use shall not exceed the Fees paid by you for
your access to the Service in the immediately preceding period of 12 months.

9.3 The Web Content is not included as Information for the purposes of these
Terms of Use and Dow Jones does not accept any liability in relation to the Web
Content.


10. NOTICES

Notices shall be sent to the electronic mail address that you provide upon
registration. Any notices from you must be sent to Dow Jones Customer Service.
Notice shall be deemed received on the date sent.


11. GENERAL

11.1 These terms of use represent the entire agreement between both parties
relating to the Service and supersede all prior agreements and representations.
No failure or delay by any party in exercising any right, power or remedy under
these terms of use shall operate as a waiver of any such right, power and/or
remedy. Neither party will be liable for any loss or failure to perform an
obligation due to circumstances beyond its reasonable control.

11.2 The official language of these terms of use shall be the English language
and no translation into any other language may be used in their interpretation.

11.3 These terms of use shall be governed by, construed and take effect in
accordance with the laws of the State of New York, United States of America,
without regard to any conflict or choice of law principles.

11.4 The Services are provided by (a) Factiva, Inc., if you are based in the
United States; (b) Dow Jones Japan K.K., if you are based in Japan; (c) Dow
Jones do Brasil Serviços Econômicos Ltda. if you are based in Brazil; (d) Dow
Jones Consulting India Private Limited if you are based in India; and (e)
Factiva Limited if you are based in other countries, (each referred to herein as
“Dow Jones”).


BY USING THE SERVICE, YOU:

 * agree to be bound by these Terms of Use and;
 * warrant that the information that you have provided through registration is
   true and accurate; and
 * further warrant that you are over the age of 18 and are legally able to bind
   yourself to these Terms of Use.


DATA PROCESSING PRINCIPLES SCHEDULE

Dow Jones and you shall comply with their respective laws and regulations within
the jurisdictions in which they process the Data and the Data Processing
Principles set out below.

1. Purpose limitation: Data may be processed and subsequently used or further
communicated only for the following purposes: (a) assisting in complying with
legal duties and regulations which apply to you; (b) performing a statutory role
as a Governmental organization; or (c) performing law enforcement duties. If you
are processing special categories of data, defined under Article 8 of the
European Directive 95/46/EC as personal data revealing racial or ethnic origin,
political opinions, religious or philosophical beliefs, trade-union membership,
and the processing of data concerning health or sex life (“Sensitive Data”), it
shall only process it for the purpose of preventing fraud or a similar crime
(the “Purposes”).

2. Data quality and proportionality: Data must be accurate and, where necessary,
kept up to date. The Data must be adequate, relevant and not excessive in
relation to the purposes for which they are transferred and further processed.

3. Transparency: Individuals must be provided with information necessary to
ensure fair processing (such as information about the purposes of processing and
about the transfer), unless such information has already been given by Dow
Jones.

4. Security and confidentiality: Technical and organizational security measures
must be taken by you that are appropriate to the risks, such as against
accidental or unlawful destruction or accidental loss, alteration, unauthorized
disclosure or access, presented by the processing.

5. Rights of access, rectification, deletion and objection: An Individual must,
whether directly or via a third party, be provided with the Information about
him/her that an organization holds, except for requests which are manifestly
abusive, based on unreasonable intervals or their number or repetitive or
systematic nature, or have been dismissed by the relevant data protection
authorities, or when doing so would be likely to seriously harm your interests
or other organizations dealing with you and such interests are not overridden by
the interests or fundamental rights and freedoms of the Individual. The sources
of the Data need not be identified when this is not possible by reasonable
efforts, or where the rights of persons other than the Individual would be
violated. An Individual must be able to have the Data about him/her rectified,
amended, or deleted where it is inaccurate or processed against these
principles. If there are compelling grounds to doubt the legitimacy of the
request, Dow Jones or you may require further justifications before proceeding
to rectification, amendment or deletion. Notification of any rectification,
amendment or deletion to third parties to whom the Data have been disclosed need
not be made when this involves a disproportionate effort. The burden of proof
for any refusal rests on you or Dow Jones, and the Individual may always
challenge a refusal before the relevant data protection authorities.

6. Sensitive Data: You shall take such additional measures (e.g. relating to
security) as are necessary to protect such Sensitive Data in accordance with its
obligations under the Terms of Use.

7. Automated decisions: For purposes hereof “automated decision” shall mean a
decision by Dow Jones or you which produces legal effects concerning an
Individual or significantly affects an Individual and which is based solely on
automated processing of Information intended to evaluate certain personal
aspects relating to him/her, such as his/her performance at work,
creditworthiness, reliability, conduct, etc. You shall not make any automated
decisions concerning Individuals, except when (a) (i) such decisions are made by
you in entering into or performing a contract with the Individual; and (ii) the
Individual is given an opportunity to discuss the results of a relevant
automated decision with a representative of the parties making such decision or
otherwise to make representations to that parties; or (b) where otherwise
provided by applicable laws or regulations.



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