Terms and Conditions of Use
For the purpose of these terms and conditions, "Epoch" refers to Epoch Investment Partners, Inc. and Epoch Holding Corporation as well as their officers, directors, and employees. By using this site, you signify your consent to the following terms and conditions of use without limitation or qualification. If you do not agree to these terms, do not use this site. Please read these terms and conditions carefully before using this site. Epoch may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound. This site is for informational purposes and does not constitute an offer to sell or a solicitation of an offer to buy any security which may be referenced herein.

Monitoring
Epoch monitors your usage of this website and the information gathered by Epoch will be used for its internal business activities.

Disclaimer
The information provided on this site is provided for informational purposes only. While Epoch seeks to provide accurate and timely information, there may be inadvertent technical or factual inaccuracies and typographical errors for which we apologize. We reserve the right to make changes and corrections at any time, without notice. The information provided on Epoch's site is provided "AS IS" and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, Epoch disclaims all warranties, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Epoch does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links or other items contained on this site and Epoch expressly disclaims all liability for errors and omissions in these materials and for the use or interpretation by others of information contained on the site. Epoch will not be responsible for any loss or damage that could result from interception by third parties of any information made available to you via this site. Neither Epoch, nor any of its affiliates, directors, officers or employees, nor any third party vendor retained by Epoch will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of Epoch or of any vendor providing software or support services for this site. In no event will Epoch, its affiliates or any such parties be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if Epoch or any other party have been advised of the possibility thereof.

Nothing contained in Epoch's site constitutes investment advice. Neither the information, nor any opinion contained in this site constitutes a solicitation or offer by Epoch or its affiliates to buy or sell any securities or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Decisions based on information contained on Epoch's site are the sole responsibility of the visitor, and in exchange for using Epoch's site, the visitor agrees to hold Epoch harmless against any claims for damages arising from any decisions that the visitor makes based on such information.

Restrictions on Use of Materials
This website is owned and operated by Epoch. Permission is granted to display and navigate this site with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited.

Except as otherwise permitted by Epoch, no materials from this site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this site for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this site for public or commercial purposes, including the text, images, audio, and video without Epoch's written permission. Modification or use of the materials for any other purpose violates Epoch's intellectual property rights.

Epoch neither warrants nor represents that your use of materials displayed on this site will not infringe rights of third parties not owned by or affiliated with Epoch.

SEC Materials
Certain information provided through this site has been filed with the Securities and Exchange Commission ("SEC") (such materials being referred to as "SEC Materials"). Epoch does not assume any duty of disclosure beyond that which is imposed by law, and expressly disclaims any duty to update any information set forth in the SEC Materials. The SEC Materials should be read in conjunction with Epoch's periodic reports filed with the SEC, including the disclosures therein of certain factors which may affect Epoch's future performance. Individual statements appearing in the SEC Materials are intended to be read in conjunction with and in the context of the complete SEC Materials in which they appear, rather than as stand-alone statements.

Certain statements included in both the SEC Materials and other public disclosures of Epoch contained on this site are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks, uncertainties, and other factors which could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. The most significant of such factors include, but are not limited to, the following: the performance of financial markets, the investment performance of Epoch's sponsored investment products and separately managed accounts, general economic conditions, future acquisitions, competitive conditions, and government regulations, including changes in tax rates. Epoch cautions readers to carefully consider such factors. Further, such forward-looking statements speak only as of the date on which such statements are made; Epoch undertakes no obligation to update any forward-looking statements to reflect events or circumstances after the date of such statements.

Submissions
Electronic mail submitted to this site should be considered neither secure nor confidential. Epoch makes no representation whatsoever concerning the security or confidentiality of your email messages and specifically makes no representation that any email message submitted through this site will be received by Epoch.

Any communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as nonconfidential and nonproprietary and will become the property of Epoch. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Epoch is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Trademarks and Copyrights
Epoch owns and operates this site. All trademarks, service marks, trade names, and logos displayed on this site are proprietary to Epoch, except as explicitly noted below under Ownership of Other Materials. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Epoch or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, except as provided herein, is strictly prohibited.

Images displayed on this website are either the property of, or used with permission by, Epoch. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. If you download any information or software from this site, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

Use of Links
Should you leave this site via a link contained herein, and view content that is not provided by Epoch, you do so at your own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by Epoch. Epoch is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or punitive. Epoch makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

Ownership of Other Materialsxs
Adobe®, Acrobat®, Acrobat® Reader, and the Acrobat logo are trademarks of Adobe Systems Incorporated. Microsoft® and Internet Explorer are trademarks of Microsoft Corporation. Morningstar® is a trademark of Morningstar, Inc. Standard & Poor's®, S&P®, Standard & Poor's 500, S&P 500®, are trademarks of The McGraw-Hill Companies, Inc. MSCI, EAFE, and the names of all MSCI indices are the servicemarks of MSCI Inc. Dow Jones and the name of any Dow Jones indices is the servicemark of Dow Jones & Company. The Russell 1000® Index, Russell 1000® Value Index, Russell 1000® Growth Index, Russell 2000® Index, Russell 2000® Value Index, Russell 2000® Growth Index, Russell 2500® Index, Russell 2500 Value Index, Russell 2500 Growth Index, Russell 3000® Index, Russell 3000® Value Index, and Russell 3000® Growth Index are the registered trademarks or tradenames of Russell Investments. Global Industry Classification Standard (GICS), GICS and GICS Direct are servicemarks of MSCI and Standard and Poor's. Barclays and all Barclays indices are the servicemarks of Barclays PLC.

Jurisdiction and Governing Law
This website is controlled and operated by Epoch from its offices within the State of New York, United States of America. Epoch makes no representation that materials on the site are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the materials on this site in violation of U.S. export laws and regulations.

The information provided on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Epoch or its affiliates to any registration requirement within such jurisdiction or country.

The laws of the State of New York govern these terms and conditions. If you take legal action relating to these terms and conditions, you agree to file such action only in the New York State Supreme Court, or the United States District Court for the Southern District of New York, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any such action.

Integration and Severability
If any provision of these terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions. The preceding terms and conditions of use represent the entire agreement between Epoch and the user relating to the subject matter herein.