International Financial collects information from visitors who access the various parts of our Web site. We do not share this information with third parties. However, we may disclose personal information collected if we have received your permission beforehand or in very special circumstances, such as when we believe that law requires such disclosure. We do not use information gathered in any marketing or sales promotions.

We want you to understand our commitment to personal privacy and our use of information. For this reason, we have prepared this privacy policy. International Financial reserves the right to make changes to this policy and to our related procedures at any time. As we make changes to our policy, we will update this Web page.

We preserve the content of your email, your email address, and our response so that we may better serve you. Depending on the content of your email, we may be required by existing laws and regulations to keep this information.

This Privacy Policy governs the manner in which International Financial Data Services Ltd collects, uses, maintains and discloses information collected from users (each, a "User") of the www.ifdsgroup.com website ("Site"). This privacy policy applies to the Site and all products and services offered by International Financial Data Services Ltd.

Personal identification information

We may collect personal identification information from Users in a variety of ways in connection with activities, services, features or resources we make available on our Site. Users may visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non- personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service provider's utilized and other similar information.

Web browser cookies

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

International Financial Data Services Ltd collects and uses Users personal information for the following purposes:

• To improve our Site
  We continually strive to improve our website offerings based on the information and feedback we receive from you.
• To send periodic emails
  The email address Users provide will only be used to respond to their inquiries, and/or other requests or questions.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.

Permission to Print and Copy

Permission to print and copy documents or graphics from this site is granted for personal and noncommercial use only and is expressly conditional upon your agreement that all prints or copies shall contain or refer to the copyright or proprietary notices in the International Financial Web site. The format and contents of the information shall not be altered in any way, and you will indemnify International Financial for damages and expenses, including attorneys' fees, it incurs related to your use of such materials and your breach of these requirements. No permission is granted to print and copy documents created by parties other than International Financial and appearing on this Web site, unless so indicated and subject to the restrictions indicated.

Warranty Disclaimer and Exclusion

International Financial makes no representations and hereby disclaims all warranties, expressed or implied, as to the timeliness, accuracy, completeness or suitability for any purpose of the information contained in the documents and related graphics published by International Financial its Web site or elsewhere on the Internet. The International Financial Web site and all such information are provided as is, as available. The information on the International Financial Web site shall not constitute any representation, warrant, or other commitment by DST or any of its affiliates with respect to any of the products or services described on the International Financial Web site.

Exclusion of Damages

In no event shall International Financial be liable for any damages whatsoever, whether actual, special, incidental, direct, indirect, punitive, exemplary or consequential arising out of the use of the International Financial Web site or any of the information or materials contained therein or accessible there from, including without limitation loss of profits or data, or the risks of the stock market.

User Responses

Should any user of the International Financial Web site or viewer of documents or graphics copied or printed therefrom communicate with International Financial about the Web site, or the documents, graphics or information contained therein, International Financial shall have no obligation of any kind with respect to such communication, which shall be deemed non-confidential, and International Financial shall be free to use and distribute the information contained in such communication for any purpose whatsoever, unless International Financial and the party responding otherwise agree in writing.

Copyright

Copyright 2008. Unless otherwise stated, copyrights and all similar rights in all material presented on the International Financial Data Services Web site, including graphical images, are owned by International Financial. Publication of materials on the International Financial site does not constitute the placing of such materials in the public domain.

Trademarks & Service Marks

No license, assignment, or permission is granted herein, expressly, implicitly, or otherwise to use any trade name, trademark or service mark of International Financial or of any other party.

Links Provided

References on this Web site, or links to or from this Web site to mutual funds/variable annuities, financial advisors, or any other entity which may offer securities or other investments for sale do not constitute any offer to sell any such securities or investments, nor do such links constitute any endorsement, referral or other recommendation of any kind.

Changes to this privacy policy

International Financial Data Services Ltd has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy and terms of service. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:
International Financial Data Services UK Ltd
www.ifdsgroup.com
IFDS House
St Nicholas Lane
Basildon
Essex
SS15 5FS
0870 887 2222
sales@ifdsgroup.co.uk

This document was last updated on May 18, 2011