Third-Party Terms

“Subscriber agrees and acknowledges that the CUSIP Database and the information contained therein is and shall remain valuable intellectual property owned by, or licensed to, CUSIP Global Services (“CGS”) and the American Bankers Association (“ABA”), and that no proprietary rights are being transferred to Subscriber in such materials or in any of the information contained therein. Any use by Subscriber outside of the clearing and settlement of transactions requires a license from CGS, along with an associated fee based on usage. Subscriber agrees that misappropriation or misuse of such materials will cause serious damage to CGS and ABA, and that in such event money damages may not constitute sufficient compensation to CGS and ABA; consequently, Subscriber agrees that in the event of any misappropriation or misuse, CGS and ABA shall have the right to obtain injunctive relief in addition to any other legal or financial remedies to which CGS and ABA may be entitled.” “Subscriber agrees that Subscriber shall not publish or distribute in any medium the CUSIP Database or any information contained therein or summaries or subsets thereof to any person or entity except in connection with the normal clearing and settlement of security transactions. Subscriber further agrees that the use of CUSIP numbers and descriptions is not intended to create or maintain, and does not serve the purpose of the creation or maintenance of, a master file or database of CUSIP descriptions or numbers for itself or any third party recipient of such service and is not intended to create and does not serve in any way as a substitute for the CUSIP MASTER , DATABASE, INTERNET, ELECTRONIC Services and/or any other future services developed by CGS.” “NEITHER CGS, ABA NOR ANY OF THEIR AFFILIATES MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, AS TO THE ACCURACY, ADEQUACY OR COMPLETENESS OF ANY OF THE INFORMATION CONTAINED IN THE CUSIP DATABASE. ALL SUCH MATERIALS ARE PROVIDED TO SUBSCRIBER ON AN “AS IS” BASIS, WITHOUT ANY WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE NOR WITH RESPECT TO THE RESULTS WHICH MAY BE OBTAINED FROM THE USE OF SUCH MATERIALS. NEITHER CGS, ABA NOR THEIR AFFILIATES SHALL HAVE ANY RESPONSIBILITY OR LIABILITY FOR ANY ERRORS OR OMISSIONS NOR SHALL THEY BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT OR INDIRECT, SPECIAL OR CONSEQUENTIAL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE LIABILITY OF CGS, ABA OR ANY OF THEIR AFFILIATES PURSUANT TO ANY CAUSE OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED THE FEE PAID BY SUBSCRIBER FOR ACCESS TO SUCH MATERIALS IN THE MONTH IN WHICH SUCH CAUSE OF ACTION IS ALLEGED TO HAVE ARISEN. FURTHERMORE, CGS AND ABA SHALL HAVE NO RESPONSIBILITY OR LIABILITY FOR DELAYS OR FAILURES DUE TO CIRCUMSTANCES BEYOND THEIR CONTROL.” “Subscriber agrees that the foregoing terms and conditions shall survive any termination of its right of access to the materials identified above.” “In the event Subscriber has a CGS License Agreement that permits broader rights than those granted above, then the terms of that Subscriber’s CGS License Agreement shall govern such Subscriber’s use of the CUSIP Database and/or any information contained therein for so long as such agreement remains in effect.”

Redistributing Depository Trust & Clearing Corporation (DTCC) sourced Money Market data and/or Collateralized Mortgage Obligation data (“DTCC Data”), including Derived Data created therefrom, requires a redistribution license directly from DTCC. Notwithstanding anything in Client’s existing agreement with Refinitive, as used herein, Derived Data shall mean “any data (wholly or in part) manipulated to such a degree that the result: (a) cannot be identified as originating or deriving directly from DTCC Data and cannot be reverse-engineered such that it can be so identified; and (b) is not capable of use that serves substantially as a substitute for DTCC Data or otherwise competes with DTCC’s distribution of the DTCC Data or any derivative thereof.” Irrespective of any redistribution rights granted in Client’s existing agreement with Refinitiv, any redistribution of the DTCC Data or Derived Data, requires a direct license agreement between the Client and DTCC, provided however, that Client, without such agreement may redistribute de minimis amounts of DTCC Data or Derived Data on an ad hoc basis in presentations, graphs, other publications, and in support of Client customer queries, to the extent that (i) any such incorporated DTCC Data or Derived Data is in a graphical format only for viewing and are not reproduced or republished in a format that would enable the Client’s customer to copy, download or incorporate the DTCC Data or Derived Data in a database of their own; (ii) such reports, presentations, graphs and other publications are only of supportive nature to Client’s services; and (iii) no charge is made for or in relation to the DTCC Data, Derived Data or the reports. Client shall be responsible for all such redistribution. To inquire about or obtain the relevant license from DTCC, please contact DTCC Data Services at datareporting@dtcc.com.

The license is subject to the following restrictions:

1. Data integrity. Licensee will not modify or alter the Data in any manner other than as contemplated hereunder. Licensee will respect the integrity of the Data, ensuring that the Data is not distorted and that none of the information in the Data I deleted or changed in ways that would materially affect the integrity of the Data as originally published by Enterprise.
2. Primary Purpose and Scope of Use of the Data. Enterprise provides the data to facilitate investments in its mortgage-related securities, assist in providing stability in the secondary market for residential mortgages and increasing the liquidity of mortgage investments.
3. Absolute Prohibition Against Correlation of the Data to Individuals. Under no circumstances will Licensee, directly or indirectly, use, copy, modify, decompile, disassemble, scrape, cache, frame, mask, correlate, or apply any process to the Data in order to misappropriate any information about the Data or derived any information about the particular individual including but not limited to violation of applicable privacy laws or regulations and/or in any way that would be deemed an unlawful invasion of privacy, whether or not internal or external use of the results of such correlation. Licensee will comply with all federal, state, and local laws and regulations governing the access, handling, and use of the Data by Licensee.
4. No other Rights. Except as expressly permitted herein, Licensee will not redistribute, license retransmit, or rebroadcast the Contents or Derived Product or any portion thereof.

No External Redistribution of the Data or Creation of Derived Products for External Commercial Purposes by End Users. Effective 1 October 2014. End Users License Agreements are granted in furtherance and in support of End Users’ internal business purposes only. FANNIE MAE and Licensee/BetaNXT strictly prohibits End Users from reselling, disclosing or redistributing the Data externally and from creating and offering any Derived Products for external commercial purposes. Any such uses would be subject to the terms and conditions of this Agreement as executed by and between End User and FANNIE MAE, and payment of the License Fee by such End User to FANNIE MAE.

Copyright 2022, Moody’s Analytics, Inc. and its licensors (“Moody’s”). Moody’s ratings and other information (“Moody’s Information”) are proprietary to Moody’s and/or its licensors and are protected by copyright and other intellectual property laws. Moody’s Information is licensed to MSCI by Moody’s. MOODY’S INFORMATION MAY NOT BE COPIED OR OTHERWISE REPRODUCED, REPACKAGED, FURTHER TRANSMITTED, TRANSFERRED, DISSEMINATED, REDISTRIBUTED OR RESOLD, OR STORED FOR SUBSEQUENT USE FOR ANY SUCH PURPOSE, IN WHOLE OR IN PART, IN ANY FORM OR MANNER OR BY ANY MEANS WHATSOEVER, BY ANY PERSON WITHOUT MOODY’S PRIOR WRITTEN CONSENT. Moody’s® is a registered trademark

Copyright 2011, Standard & Poor's, a division of The McGraw-Hill Companies, Inc. All rights reserved. Standard & Poor's including its subsidiary corporations ("S&P") is a division of The McGraw-Hill Companies, Inc. Reproduction of any S&P products in any form is prohibited except with the prior written permission of S&P. Because of the possibility of human or mechanical error by S&P's sources, S&P or others, S&P does not guarantee the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. S&P GIVES NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall S&P be liable for any indirect, special or consequential damages in connection with subscriber's or others' use of its products. You may not create an index or tradeable security using this data.

Copyright by Standard & Poor's Financial Services LLC (S&P) a subsidiary of The McGraw-Hill Companies, Inc. All rights reserved. No content (including ratings, credit-related analyses and data, model, software or other application or output there from) or any part thereof (Content) may be modified, reverse engineered, reproduced or distributed in any form by any means, or stored in a database or retrieval system, without the prior written permission of S&P. The Content shall not be used for any unlawful or unauthorized purposes. S&P, its affiliates, and any third-party providers, as well as their directors, officers, shareholders, employees or agents (collectively S&P Parties) do not guarantee the accuracy, completeness, timeliness or availability of the Content. S&P Parties are not responsible for any errors or omissions, regardless of the cause, for the results obtained from the use of the Content, or for the security or maintenance of any data input by the user. The Content is provided on an "as is" basis. S&P PARTIES DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, FREEDOM FROM BUGS, SOFTWARE ERRORS OR DEFECTS, THAT THE CONTENT'S FUNCTIONING WILL BE UNINTERRUPTED OR THAT THE CONTENT WILL OPERATE WITH ANY SOFTWARE OR HARDWARE CONFIGURATION. In no event shall S&P Parties be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of the Content even if advised of the possibility of such damages.

Customers who engage in any SEDOL related Licensable Event are required to hold a SEDOL Masterfile User License directly with the London Stock Exchange. Licensable Event is defined by the London Stock Exchange as the below: 1.Receipt or receiving, accessing, extracting, processing, adapting, reproducing or storing of 2.Having access or availability to 3.Making derivatives from 4.Otherwise using in any manner the whole, or a subset of, the SEDOL Masterfile database or SEDOL data or SEDOL codes (whether performed by the customer or its affiliates, or on their behalf by a third party). The type of user license is determined by the total volume of data identified across any licensable event. This should be the total count of SEDOL codes across all activities defined as licensable events. Where a central entity, region or business segment provides access to related group entities, regions, or business segments; or where group entities, regions, or business segments have access to a central or shared database (or a system dependent on the shared database); each entity, region, and business segment will either require its own SEDOL user license for the level of SEDOL data contained in that database (i.e. limited user license) or be covered under a group-wide agreement (i.e. unlimited user license) for multiple affiliates or subsidiaries. For definitions of ‘Regions’, ‘segments’ and ‘entities’ as it relates to SEDOL Licensing, please refer to the SEDOL Masterfile Pricing and Policy Guidelines. Any third party that wishes to onward distribute SEDOL codes to a non-group entity or any entity not under common ownership or control is required to either (a) hold an Unlimited User License for a Business Segment that encompasses that distribution activity or (b) only in the case of a Limited User License Holder, hold a Distribution License. Any distribution of SEDOL, either under option A or option B above, carries additional reporting obligations that can be found in the SEDOL Masterfile Pricing and Policy document. For further information please refer to the SEDOL Masterfile Pricing and Policy Guidelines or contact the London Stock Exchange SEDOL team at SEDOL@LSEG.com

The client is not allowed to create derivative works of, reverse engineer, reproduce, copy, "screen scrape", decompile or disassemble, mirror, frame, modify, adapt and reformat the content. The client is only allowed to use the content internally for its own business and only within his own legal entity, without giving access to any third parties unless otherwise allowed by the applicable SIX Financial Information's data suppliers and where allowed by such data suppliers, without SIX Financial Information's consent only to third parties acting on behalf and solely for the benefit of the client.