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<TR><TD align=center><FORM><TEXTAREA ROWS=32 COLS=48> DISCLAIMER AND LIMITATION OF LIABILITY This web site and the information it contains is provided as a public service by the Webmaster for our site. This system is monitored to ensure proper operation, to verify the functioning of applicable security features, and for other like purposes. Anyone using this system expressly consents to such monitoring. Unauthorized attempts to modify any information stored on this system, to defeat or circumvent security features, or to utilize this system for other than its intended purposes are prohibited by law and may result in criminal prosecution. RESTRICTION OF LIABILITY The webmaster and the operators of this site make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the contents of this web site and expressly disclaims liability for errors and omissions in the contents of this web site. No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantablility, fitness for a particular purpose and freedom from computer virus, is given with respect to the contents of this web site or its hyperlinks to other Internet resources. Reference in this web site to any specific commercial products, processes, or services, or the use of any trade, firm or corporation name is for the information and convenience of the public, and does not constitute endorsement, recommendation, or favoring by the owners or webmaster. OWNERSHIP Information presented on this web site is considered public information and may be distributed or copied. However, all information submitted to the webmaster via this site shall be deemed and remain the property of this site and the webmaster, except those submissions made under separate legal contract. The webmaster and others shall be free to use, for any purpose, any ideas, concepts, or techniques contained in any information provided to this site. NOTE: 1) A URL is the global address of documents and other resources on the World Wide Web. For example, http://www.memphiswebs.org is the URL for our home page. 2) An Internet Protocol ("IP") address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol ("TCP/IP") network, such as the World Wide Web. Networks use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web, allowing Web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet. Updated: September 2012 </TEXTAREA></FORM></TD></TR>

Terms and Conditions of Web Site Use

Please read the following Terms and Conditions for using the Memphis Webs Inc./Serendipity LLC Web site (the "Web site"). By using the Web site and the information and services available through the Web site, you agree to follow and be bound by these Terms and Conditions.  If you do not agree to these Terms and Conditions, do not use the Web site.

Memphis Webs Inc./Serendipity LLC owns the Web site and reserves the right, at its discretion, to modify these Terms and Conditions at any time and any such modification will be effective immediately upon posting the modification.  You should check these Terms and Conditions periodically for modifications.  If you use the Web site after we post modifications to the Web site, then you will be bound by such modifications.

These Terms are in addition to any other agreements between you and the Memphis Webs Inc./Serendipity LLC including any customer or account agreements and any other agreements that govern your use of products, services, content, tools and information available on the Web site.

Use of the Web site
	 
The Web site is intended only for your personal, non-commercial use and display. You may download information from the Web site to your computer and print out a hard copy for your personal reference, provided that you agree not to remove any copyright or other notices contained therein.

No Recommendations or Advice Provided
	 
Memphis Webs Inc/Serendipity LLC provides self-directed information and does not make recommendations or offers of any kind.

Memphis Webs Inc/Serendipity LLC provides the content of the Web site for information, education and noncommercial purposes only.  Although Memphis Webs Inc/Serendipity LLC may provide data, information and content relating to information you should not construe any such information as advice.  You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any data, information or content on the Web site before making any decisions based on such data, information or content.  In exchange for using such data, information or content, you agree not to hold Memphis Webs Inc./Serendipity LLC or its third-party content providers liable for any possible claim for damages arising from any decision you make based on information made available to you through the Web site.

Web Site Content
	 
Memphis Webs Inc./Serendipity LLC offers content from third party providers on the Web site. This content includes  news, information, opinions and research reports (the "content"). Memphis Webs Inc./Serendipity LLC does not endorse or approve the content, and we make it available to you only as a service and convenience.  Memphis Webs Inc./Serendipity LLC and our third party providers do not guarantee the accuracy, timeliness, completeness or correct sequencing of the content or warrant any results from your use or reliance on the content. The content may quickly become unreliable for various reasons including, for example, changes in internet conditions, neighborhood conditions, or economic circumstances. Neither Memphis Webs Inc./Serendipity LLC nor the third party providers are obligated to update any information or opinions contained in any of the content. Memphis Webs Inc./Serendipity LLC may discontinue offering any content on the Web site at any time without notice. You agree that neither Memphis Webs Inc./Serendipity LLC nor a third party will be liable to you in any way for the termination, interruption, delay or inaccuracy of any of the content on the Web site. You will not redistribute or facilitate the redistribution of any content, nor will you provide access to the content to anyone who is not authorized by Memphis Webs Inc./Serendipity LLC to receive the content.

Hyperlinking from the Web Site
	 
In the event you use the hyperlinks included on the Web site to gain access to a World Wide Web site or Internet location or source of information on any company organization or person other than Memphis Webs Inc./Serendipity LLC or to any other Internet location, you acknowledge that such other sites or locations are not under the control of Memphis Webs Inc./Serendipity LLC and agree that Memphis Webs Inc./Serendipity LLC shall not be responsible for any information or other hyperlinks found at any such World Wide Web site or Internet location or source of information or for your use of such information.  Memphis Webs Inc./Serendipity LLC provides such links only as a convenience to you and has not tested any software or verified any information found at such sites. The fact that Memphis Webs Inc./Serendipity LLC has provided a link to another site does not signify an endorsement of the site or its contents by Memphis Webs Inc./Serendipity LLC. There are inherent risks in the use of any software or information found on the Internet and you acknowledge that you understand these risks before making any use of the Web site and the Internet.

Electronic Recording
	 
In connection with your use of this Web site, you acknowledge and consent to the taping or any form of electronic recording of any communication, electronic or otherwise, between you and Memphis Webs Inc./Serendipity LLC or its representatives or agents. You acknowledge and consent to the recording, retention and use by Memphis Webs Inc./Serendipity LLC (and its employees, representatives and agents) of all information and data that you input during your use of the Web site.

Electronic Communications
	 
The Web site provides you Memphis Webs Inc./Serendipity LLC e-mail addresses so that you may communicate electronically by sending an e-mail message to the Memphis Webs Inc./Serendipity LLC.  All e-mail sent to and from Memphis Webs Inc./Serendipity LLC will be received or otherwise recorded by the Memphis Webs Inc./Serendipity LLC corporate e-mail system and is subject to archival, monitoring or review by and/or disclosure to, someone other than the recipient.  Communications through the Web site may involve the electronic transmission, to any e-mail address you provided to us, of information that you may consider to be personal information and you agree and consent to such transmission of such information.  You agree not to use e-mail to transmit any confidential personal information.

License and Web site Access
	 
Memphis Webs Inc./Serendipity LLC hereby grants you a limited, nonexclusive, nontransferable license to view, bookmark, download and print the pages within this Web site and the documents, graphics and media incorporated on those pages. You are solely responsible for obtaining, paying for, repairing and maintaining all of the equipment, telephone lines and other material that you need to access this Web site. The pages within this Web site may be used solely for personal, informational and noncommercial purposes. You may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any pages, data, information, software, products or services obtained from this Web site, unless you have obtained the prior written permission of Memphis Webs Inc./Serendipity LLC or you are using a service available through this Web site.  Memphis Webs Inc./Serendipity LLC reserves all rights not expressly granted herein; Memphis Webs Inc./Serendipity LLC expressly reserves the right to monitor any and all use of this Web site.

Unless you have obtained Memphis Webs Inc./Serendipity LLC's prior written permission, you and any other users and Web sites, may not:
  Copy, modify or display Memphis Webs Inc./Serendipity LLC's name, logo, trademarks, text or graphic images in any way, except as set forth herein.
  Redeliver any of the pages, text, images or content of this Web site using "framing" technology;
  Modify or use the pages, text, images or content from this Web site for any other purpose-doing so is a violation of Memphis Webs Inc./Serendipity LLC's copyrights and other proprietary rights;
  Use devices (including software) that are designed to provide repeated automated access to this Web site, other than those made generally available by Memphis Webs Inc./Serendipity LLC or probe, scan or test the vulnerability of any system or network related in any way to this Web site, without proper authorization. Memphis Webs Inc./Serendipity LLC reserves the right to take all measures necessary to prevent such access, probing, scanning or testing, including denial or termination of service; and
  Include Memphis Webs Inc./Serendipity LLC trademark, any Memphis Webs Inc./Serendipity LLC executive's name or any variation of any of the foregoing, as a meta-tag, hidden textual element or any other indicator that may create an impression of affiliation, sponsorship or endorsement between any user and/or Web site and Memphis Webs Inc./Serendipity LLC.
  
     Trademarks and Copyrights
	 
The following marks are the trademarks or registered trademarks of the Memphis Webs Inc./Serendipity LLC: MphsWebs, Memphis Webs, Memphis Webs Inc, and Serendipity LLC.

Other Memphis Webs Inc./Serendipity LLC graphics, logos, page headers and service names are trademarks of Memphis Webs Inc./Serendipity LLC. Memphis Webs Inc./Serendipity LLC's trademarks may not be used in connection with any product or service that is not Memphis Webs Inc./Serendipity LLC's, in any manner that is likely to cause confusion among customers or in any manner that disparages or discredits Memphis Webs Inc./Serendipity LLC.

All other marks appearing on this Web site are the exclusive property of their respective owners.

All content on this Web site, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code and xml code, is the property of Memphis Webs Inc./Serendipity LLC or its content vendors and is protected by United States and international copyright laws.

The compilation of all content on this Web site is the exclusive property of Memphis Webs Inc./Serendipity LLC or its content vendors and is protected by U.S. and international copyright laws.  All software used on this Web site is the exclusive property of Memphis Webs Inc./Serendipity LLC or its software suppliers and is protected by U.S. and international copyright laws and other laws.

Downloading Software and Files
	 
If you download software or files from the Web site under these Terms and Conditions, the software-including any files or images incorporated in or generated by the software and data accompanying the software-and files (collectively, the "Files") are licensed to you by Memphis Webs Inc./Serendipity LLC solely for your personal, noncommercial use. However:
  Memphis Webs Inc./Serendipity LLC does not transfer title to the Files to you;
  You own the medium on which the Files are recorded, but Memphis Webs Inc./Serendipity LLC and its licensors retain full and complete title in and to the Files, including all intellectual property rights therein;
  You may not redistribute, sell, decompile, reverse engineer, disassemble or otherwise reduce the Files to any other form whatsoever; and
  Software from this Web site is subject to U.S. export controls. Software from this Web site may not be downloaded or otherwise exported or re-exported outside the United States.
  
     Information for Foreign Investors
	 
All of the information, products, and services referred to on this Web site is intended to be made available only to U.S. residents. This Web site shall not be considered a solicitation for or offering of any information, product, or service to any person in any jurisdiction where such solicitation or offering would be illegal.

International Use
	 
Because of the global nature of the Internet, you agree to comply with all local rules regarding online conduct, including all laws, rules, codes and regulations of the country in which you reside and the country from which you access this Web site. In addition, you agree to comply with all applicable laws, rules, codes and regulations regarding the transmission of technical data exported from the United States.

Requirements for Hyperlinking to the Web Site
	 
You may not hyperlink to this Web site unless you accept and comply with the following Hyperlinking requirements. You are granted a limited, revocable, nonexclusive right to create a hyperlink to this Web site provided you comply at all times with all of the following conditions:
  The hyperlink must resolve to the Memphis Webs Inc./Serendipity LLC's portal page at www.memphiswebs.com, www.memphiswebs.org, and www.memphiswebs.us
  The text of the hyperlink on the linking Web site must include the terms "MemphisWebs," or "MemphisWebs,com," or "www.MemphisWebs.com", or "www.Memphiswebs." (you may not use any Memphis Webs Inc./Serendipity LLC logo or other proprietary graphic, including but not limited to banner advertisements, as part of the hyperlink without the prior written permission of Memphis Webs Inc./Serendipity LLC);
  The hyperlink and surrounding context on the linking Web site must not falsely represent or suggest any relationship between the linking Web site and Memphis Webs Inc./Serendipity LLC (including suggestions of affiliation, endorsement or sponsorship);
  The hyperlink and surrounding context on the linking Web site must not portray Memphis Webs Inc./Serendipity LLC or its products or services in a false, misleading, derogatory or otherwise offensive manner;
  The hyperlink must deliver Memphis Webs Inc./Serendipity LLC content outside of a framed environment and must maintain the integrity of the layout, content and look and feel of this Web site; and
  The hyperlink must deliver users directly to this Web site unaltered, unmodified and unadulterated in any way by the hyperlinking Web site.
  
Notwithstanding the foregoing, in no event may you maintain numerous or pervasive links to this Web site without the prior written permission of Memphis Webs Inc./Serendipity LLC.

Termination, Suspension or Modification
	 
The rights granted to you herein terminate immediately upon any violation by you of these Terms and Conditions. Memphis Webs Inc./Serendipity LLC reserves the right to terminate, suspend or modify your access to the Web site at any time, without notice, for any reason whatsoever. You agree that Memphis Webs Inc/Serendipity LLC shall not be liable to you or any third party for any termination of your access to this Web site.

Disclaimers and Limitations of Liability
	 
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

YOUR USE OF THE Web site IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULL EXTENT PERMITTED UNDER APPLICABLE LAW, MEMPHIS WEBS INC/SERENDIPITY LLC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND WITH RESPECT TO THE Web site AND ANY PRODUCTS OR SERVICES AVAILABLE ON OR THROUGH THE Web site, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. MEMPHIS WEBS INC/SERENDIPITY LLC MAKES NO WARRANTY THAT:
1. THE Web site WILL MEET YOUR REQUIREMENTS;
2. THE Web site WILL BE UNINTERRUPTED, TIMELY, SECURE or FREE OF VIRUSES, ERRORS, WORMS, DATE BOMBS, TIME BOMBS or OTHER HARMFUL COMPONENTS;
3. THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE Web site WILL BE ACCURATE OR RELIABLE;
4. THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION or OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE Web site WILL MEET YOUR EXPECTATIONS;
5. ANY ERRORS ON THE Web site WILL BE CORRECTED; AND
6. THE DATA AND MATERIALS PRESENTED OR DISPLAYED ON THE Web site ARE CORRECT, ACCURATE or RELIABLE. ANY CONTENT OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE Web site IS DONE AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH CONTENT.

YOU AGREE THAT MEMPHIS WEBS INC/SERENDIPITY LLC OR ANY THIRD PARTY ENGAGED IN PROVIDING SERVICES TO YOU ON OR THROUGH THE Web site SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES CAUSED BY THEFT, UNAUTHORIZED ACCESS, SYSTEMS FAILURE, COMMUNICATIONS LINE FAILURE or OTHER OCCURRENCES BEYOND THE CONTROL OF MEMPHIS WEBS INC/SERENDIPITY LLC OR SUCH THIRD PARTIES.

NO ADVICE OR INFORMATION, WHETHER WRITTEN OR ORAL, WHETHER OBTAINED BY YOU FROM MEMPHIS WEBS INC/SERENDIPITY LLC, FROM A MEMPHIS WEBS INC/SERENDIPITY LLC OFFICER, VOLUNTEER, EMPLOYEE, OR AGENT or THROUGH OR FROM THE Web site, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS AND CONDITIONS. MEMPHIS WEBS INC/SERENDIPITY LLC WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL or EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA or OTHER INTANGIBLE LOSSES (EVEN IF MEMPHIS WEBS INC/SERENDIPITY LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM:
1. THE USE OF OR THE INABILITY TO USE THE Web site;
2. THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION or SERVICES PURCHASED OR OBTAINED or MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH or FROM THE Web site;
3. ACCESS TO OR ALTERATION OF YOUR ACCOUNT, TRANSMISSIONS or DATA DUE TO YOUR CONDUCT, INACTION or NEGLIGENCE;
4. STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE Web site; OR
5. ANY OTHER MATTER RELATING TO THE Web site.

Indemnification
	 
You agree to indemnify, defend and hold harmless Memphis Webs Inc/Serendipity LLC, its affiliates and officers, directors, volunteers, employees, and agents of Memphis Webs Inc/Serendipity LLC and its affiliates, from and against any and all claims, liabilities, damages, losses or expenses, including attorney's fees and costs, arising out of or in any way connected with your access to or use of this Web site.

Integration and Severability
	 
If any provision of these Terms and Conditions is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severable from these Terms and Conditions and will not affect the validity and enforceability of the remaining provisions. These Terms and Conditions represent the entire agreement between Memphis Webs Inc/Serendipity LLC and the user relating to the subject matter herein, except Memphis Webs Inc/Serendipity LLC's relationship with its customers is governed by Memphis Webs Inc/Serendipity LLC account agreements.

Applicable Law and Venue
	 
Unless otherwise specified, Memphis Webs Inc/Serendipity LLC controls and operates this Web site from our offices within the State of Tennessee, United States of America.  Memphis Webs Inc/Serendipity LLC does not claim that materials in this Web site are appropriate or available for use in locations other than the United States. If you choose to access this Web site from other locations, you do so on your own initiative and you are responsible for compliance with any applicable local laws, as set forth above.  By visiting this Web site, you agree that the laws of the State of Tennessee, United States of America, without regard to principles of conflict of laws, will govern these Terms and Conditions and any dispute of any sort that might arise between you and Memphis Webs Inc/Serendipity LLC or its affiliates.  If you take legal action relating to these Terms and Conditions, you agree to file such action only in the Judicial 6th Circuit Court in the State of Tennessee or the United States District Court for the Eastern District of Tennessee and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action

Note: 
	 
1) A URL is the global address of documents and other resources on the World Wide Web. For example, http://www.memphiswebs.com is the URL for our home page.

2) An Internet Protocol ("IP") address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol ("TCP/IP") network, such as the World Wide Web. Networks use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web, allowing Web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet.

Updated: March 2023

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