Annexus Financial LLC User Agreement

Welcome to Annexus Financial LLC!

Annexus Financial LLC creates and maintains the online marketing solutions, at www.annexusfinancial.com. Both this User Agreement (UA) and our website include important disclosures and regulatory information that are associated with our electronic content and services. When you agree to the terms below you will be consenting to electronic delivery of that information in HTML format. To access, retain, and print the UA or other Web pages for your records, you should use Internet Explorer 6.0 browser or higher with Java Script enabled.

By agreeing to the terms you will also be providing your electronic signature that will affirm:

• You understand and intend that the UA is a legally binding agreement and the equivalent of a signed, written contract; and
• You will use Annexus Financial LLC Services and website generally, in a manner consistent with applicable laws and regulations and in accordance with the terms and conditions in the UA and any applicable Rules and Guidelines as they may be amended by Annexus Financial LLC from time to time.
• You understand, accept, and have received the UA and its terms and conditions, and acknowledge and demonstrate that you can access the UA and other disclosures and regulatory materials on Annexus Financial LLC website.
• You agree to receive faxed and/or telephonic communications from Annexus Financial from time to time if email communications are not conducive or if they fail.

This Agreement will always be available for your review at the "User Agreement" link at the bottom of the home page. If you do not have a printer, you may call us for a free paper copy of the UA at 214-349-9944 or email us at info@annexusfinancial.com. If you agree to the terms we will create an electronic record of your agreement. Please carefully review the terms and conditions contained in the UA prior to "accepting."

The User Agreement ("UA") that follows is an agreement that the Customer ("you") will abide by the terms of use of the Annexus Financial LLC website and any services and goods initiated from this site.

General Statement of Use

Annexusfinancial.com, the Licensed Software (as defined in Section 2 below) and related documents are provided for use with the Internet or Intranet product offered by Annexus Financial LLC and in accordance with Annexus Financial LLC's license agreement and these Terms and Conditions of Use.

Before using Annexusfinancial.com, hereinafter referred to as "the Website," you should carefully read all of these Terms and Conditions of Use and our most recent Privacy Policy. In addition to the Privacy Policy and these Terms and Conditions of Use, by accessing or using the Website, including, without limitation, use of any of the products, downloading of any materials, or merely browsing the Website, you agree to and are bound by the Terms and Conditions of Use. If you do not agree with these Terms and Conditions of Use, do not use Annexusfinancial.com.

Annexusfinancial.com, and related documents are the intellectual property of Annexus Financial LLC and/or its partners or suppliers.

The Terms and Conditions of Use and the other rules, guidelines, licenses, and disclaimers posted on the Website constitute the entire agreement between Annexus Financial LLC and you with respect to your use of the Website. If any provision of the Terms and Conditions of Use, or any portion thereof, is found to be unenforceable or invalid, the remainder of the Terms and Conditions of Use shall remain in full force and effect. Any failure by Annexus Financial LLC to enforce or exercise any provision of the Terms and Conditions of Use or related right shall not constitute a waiver of that right or provision.

Should you violate any of these Terms and Conditions of Use or any other terms or obligations posted on the Website or in your license agreement, Annexus Financial LLC reserves the right to pursue any and all legal and equitable remedies against you, including, without limitation, terminating any and all User accounts.

Unless indicated to the contrary on the Website, users may view, download, and print the Annexus Financial LLC and third party content subject to the following conditions: it may be used solely for the purposes specified in this agreement; it may not be modified or altered in any way; it may not be distributed or sold, rented, leased, or licensed to others; you may not create any derivative works based on the content; you may not remove any copyright or other proprietary notices contained in the content; and Annexus Financial LLC reserves the right to revoke the authorization to view, download, and print the content at any time, and any such use shall be discontinued immediately upon notice from Annexus Financial LLC.

You shall not (i) license, sublicense, sell, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party the Service or the Content in any way; (ii) modify or make derivative works based upon the Service or the Content; (iii) create Internet "links" to the Service or "frame" or "mirror" any Content on any other server or wireless or Internet-based device; or (iv) reverse engineer or access the Service in order to (a) build a competitive product or service, (b) build a product using similar ideas, features, functions or graphics of the Service, or (c) copy any ideas, features, functions or graphics of the Service. User licenses cannot be shared or used by more than one individual User but may be reassigned from time to time to new Users who are replacing former Users who have terminated employment or otherwise changed job status or function and no longer use the Service.

All materials contained on the Website are Copyright 2008 Annexus Financial LLC, unless otherwise indicated. Use of Annexus Financial LLC's trademarks in advertising and promotion requires proper acknowledgement.

If you are aware of any violations of these Terms and Conditions of Use, please report them to:

Hyperlinks: We may provide a link to other sites as part of our Electronic Service. We do not control the other sites, and we make no representations whatsoever concerning the content of those sites. The fact that we have provided a link to a site is not an endorsement, authorization, sponsorship, or affiliation with respect to such site, its owners, or its providers. There are risks in using any information, software, or products found on the Internet, and we caution you to make sure you understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet. You agree that under no circumstances will you hold us liable for any loss or damage caused by use of or reliance on any content, goods or services available on other sites.

TAX OR INVESTMENT RELATED INFORMATION DISCLAIMER. THE INFORMATION ON THIS WEB SITE IS PROVIDED WITH THE UNDERSTANDING THAT ANNEXUS FINANCIAL LLC'S PROVISION OF SUCH INFORMATION DOES NOT CONSTITUTE THE RENDERING OF INVESTMENT, LEGAL, FINANCIAL, ACCOUNTING, TAX, OR OTHER PROFESSIONAL ADVICE OR SERVICES ON AN INDIVIDUALIZED OR ANY OTHER BASIS, NOR SHALL ANNEXUS FINANCIAL LLC BE DEEMED IN ANY WAY TO BE ACTING AS AN INVESTMENT ADVISOR AS THAT TERM IS DEFINED AND USED IN THE INVESTMENT ADVISOR'S ACT OF 1940 OR ANY RULE OR REGULATION PROMULGATED THEREUNDER. INFORMATION ON THIS WEBSITE SHOULD NOT BE RELIED UPON OR USED AS A SUBSTITUTE FOR CONSULTATION WITH LICENSED PROFESSIONAL ADVISORS.

IF YOU INTEND TO USE THE TAX OR INVESTMENT RELATED INFORMATION, YOU SHOULD CAREFULLY REREAD THE CAPITALIZED WORDS SET FORTH IN THE DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY. ANNEXUS FINANCIAL LLC STRONGLY SUGGESTS THAT YOU CONTACT A FINANCIAL ADVISOR OR OTHER COMPETENT PROFESSIONAL IN THAT AREA. IN ADDITION, ANNEXUS FINANCIAL LLC STRONGLY SUGGESTS THAT YOU SEEK ADVICE FROM A COMPETENT PROFESSIONAL REGARDING ISSUES IN ANY PROFESSIONAL FIELD.

LIMITATION OF LIABILITY. IN NO EVENT, INCLUDING, WITHOUT LIMITATION, NEGLIGENCE, SHALL ANNEXUS FINANCIAL LLC, ITS SUBSIDIARIES, AFFILIATES, AGENTS, OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, OR SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, PUNITIVE, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA, OR PROFITS, (EVEN IF ANNEXUS FINANCIAL LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR THE INABILITY TO USE THIS WEBSITE, THE STATEMENTS OR ACTIONS OF ANY THIRD PARTY ON OR THROUGH THE WEBSITE, ANY DEALINGS WITH VENDORS OR OTHER THIRD PARTIES, ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, ANY INFORMATION THAT IS SENT OR RECEIVED OR NOT SENT OR RECEIVED, ANY FAILURE TO STORE OR LOSS OF DATA, FILES, OR OTHER CONTENT, ANY SERVICES AVAILABLE THROUGH THE WEBSITE THAT ARE DELAYED OR INTERRUPTED, OR ANY WEBSITE REFERENCED OR LINKED TO FROM THIS WEBSITE.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES SHALL ANNEXUS FINANCIAL LLC BE LIABLE TO ANY USER ON ACCOUNT OF THAT USER'S USE OR MISUSE OF AND RELIANCE ON THE LICENSED SOFTWARE. SUCH LIMITATION OF LIABILITY SHALL APPLY TO PREVENT RECOVERY OF DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, AND PUNITIVE DAMAGES (EVEN IF ANNEXUS FINANCIAL LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES). SUCH LIMITATION OF LIABILITY SHALL APPLY WHETHER THE DAMAGES ARISE FROM USE OR MISUSE OF AND RELIANCE ON THE LICENSED SOFTWARE, FROM INABILITY TO USE THE LICENSED SOFTWARE, OR FROM THE INTERRUPTION, SUSPENSION, OR TERMINATION OF THE LICENSED SOFTWARE (INCLUDING SUCH DAMAGES INCURRED BY THIRD PARTIES).

SUCH LIMITATION SHALL ALSO APPLY WITH RESPECT TO DAMAGES INCURRED BY REASON OF OTHER SERVICES OR GOODS RECEIVED THROUGH OR ADVERTISED ON THE LICENSED SOFTWARE OR RECEIVED THROUGH ANY LINKS PROVIDED IN THE LICENSED SOFTWARE, AS WELL AS BY REASON OF ANY INFORMATION OR ADVICE RECEIVED THROUGH OR ADVERTISED ON THE LICENSED SOFTWARE OR RECEIVED THROUGH ANY LINKS PROVIDED IN THE LICENSED SOFTWARE. SUCH LIMITATION SHALL APPLY, WITHOUT LIMITATION, TO THE COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, LOST PROFITS, OR LOST DATA. SUCH LIMITATION SHALL APPLY WITH RESPECT TO THE PERFORMANCE OR NONPERFORMANCE OF THE LICENSED SOFTWARE OR ANY INFORMATION OR MERCHANDISE THAT APPEARS ON, OR IS LINKED OR RELATED IN ANY WAY TO, ANNEXUS FINANCIAL LLC. SUCH LIMITATION SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

SUCH LIMITATION SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. SUCH LIMITATION OF LIABILITY SHALL ALSO APPLY TO ANY DAMAGE CAUSED BY LOSS OF ACCESS TO, DELETION OF, FAILURE TO STORE, FAILURE TO BACK UP, OR ALTERATION OF MEMBER WEBPAGES OR OTHER CONTENT STORED BY ANNEXUS FINANCIAL LLC.

UNDER NO CIRCUMSTANCES SHALL ANNEXUS FINANCIAL LLC BE HELD LIABLE FOR ANY DELAY OR FAILURE IN PERFORMANCE RESULTING DIRECTLY OR INDIRECTLY FROM ACTS OF NATURE, FORCES, OR CAUSES BEYOND ITS REASONABLE CONTROL, INCLUDING, WITHOUT LIMITATION, INTERNET FAILURES, COMPUTER EQUIPMENT FAILURES, TELECOMMUNICATION EQUIPMENT FAILURES, OTHER EQUIPMENT FAILURES, ELECTRICAL POWER FAILURES, STRIKES, LABOR DISPUTES, RIOTS, INSURRECTIONS, CIVIL DISTURBANCES, SHORTAGES OF LABOR OR MATERIALS, FIRES, FLOODS, STORMS, EXPLOSIONS, ACTS OF GOD, WAR, GOVERNMENTAL ACTIONS, ORDERS OF DOMESTIC OR FOREIGN COURTS OR TRIBUNALS, NONPERFORMANCE OF THIRD PARTIES, OR LOSS OF OR FLUCTUATIONS IN HEAT, LIGHT, OR AIR-CONDITIONING.

IN SOME JURISDICTIONS, THE EXCLUSION OR LIMITATIONS OF LIABILITY, WHETHER OR NOT FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES IS PROHIBITED. ACCORDINGLY, THE FOREGOING LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

IN NO EVENT SHALL ANNEXUS FINANCIAL LLC'S TOTAL LIABILITY TO THE USER FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION RESULTING FROM THE USER'S USE OF THIS WEBSITE, WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE, EXCEED THE AMOUNTS USER PAID TO ANNEXUS FINANCIAL LLC DURING THE MOST RECENT THREE-MONTH PERIOD FOR USING THIS WEBSITE.

DISCLAIMER OF WARRANTIES. THIS WEBSITE AND THE LICENSED SOFTWARE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITH NO WARRANTIES WHATSOEVER. ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT OF PROPRIETARY RIGHTS, ARE EXPRESSLY DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW.

USER EXPRESSLY UNDERSTANDS AND AGREES THAT ANNEXUS FINANCIAL LLC DISCLAIMS ANY AND ALL RESPONSIBILITY OR LIABILITY FOR THE ACCURACY, CONTENT, COMPLETENESS, LEGALITY, RELIABILITY, OR OPERABILITY OR AVAILABILITY OF INFORMATION OR MATERIAL ON THIS WEBSITE OR IN THE LICENSED SOFTWARE. ANNEXUS FINANCIAL LLC DISCLAIMS ANY RESPONSIBILITY OR LIABILITY FOR THE DELETION, FAILURE TO STORE, MISDELIVERY, OR UNTIMELY DELIVERY OF ANY INFORMATION OR MATERIAL OR FOR ANY HARM RESULTING FROM DOWNLOADING OR ACCESSING ANY INFORMATION OR MATERIAL THROUGH THIS WEBSITE OR THE LICENSED SOFTWARE, INCLUDING, BUT NOT LIMITED TO, HARM CAUSED BY VIRUSES OR SIMILAR CONTAMINATION OR DESTRUCTIVE FEATURES. ANNEXUS FINANCIAL LLC MAKES NO WARRANTY REGARDING THE RELIABILITY OR ACCESSIBILITY OF ANY STORAGE FACILITIES OFFERED BY ANNEXUS FINANCIAL LLC.

TO THE FULLEST EXTENT PERMITTED BY LAW, ANNEXUS FINANCIAL LLC DISCLAIMS ANY WARRANTIES FOR THE SECURITY, RELIABILITY, TIMELINESS, AND PERFORMANCE OF THE WEBSITE OR THE LICENSED SOFTWARE, FOR OTHER SERVICES OR GOODS RECEIVED THROUGH OR ADVERTISED ON THE LICENSED SOFTWARE OR ANY LINKS PROVIDED IN THE WEBSITE OR LICENSED SOFTWARE, AS WELL AS FOR ANY INFORMATION OR ADVICE RECEIVED THROUGH THE WEBSITE OR LICENSED SOFTWARE OR ANY LINKS PROVIDED IN THE WEBSITE OR LICENSED SOFTWARE. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBISTE OR LICENSED SOFTWARE IS DONE AT USER'S OWN DISCRETION AND RISK AND THAT USER WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO USER'S COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS IN THE DOWNLOAD OF SUCH MATERIAL.

IN SOME JURISDICTIONS, THE DISCLAIMER OF IMPLIED WARRANTIES IS NOT PERMITTED. ACCORDINGLY, THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU.

Indemnity and liability. User agrees to indemnify and hold Annexus Financial LLC and its subsidiaries, affiliates, officers, agents, suppliers, partners, directors, and employees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of (without limitation) content submitted, posted to, or transmitted to the Website, your use of the Website, your connection to the Website, your violation of the Terms and Conditions of Use, the actions of any subsidiary, affiliate, officer, agent, supplier, partner, directors, and employee of yours, or your violation of any rights of another person or entity.

Consent to Email Communications and Opting Out: By subscribing to our Electronic Services, you are consenting to the receipt of electronic mail ("email") or marketing communications from us. We may send you emails about services and products we believe may be of interest to you. You may opt out of future emails about products or services by e-mailing us at info@annexusfinancial.com. We reserve the right, however, to email you important information relating to your account, including regulatory communications.

Use of Marketing Information: You agree that you will not use the Information provided through Annexus Financial LLC for any unlawful purpose. You further agree to comply with all reasonable written requests from Annexus Financial LLC intended to protect the rights of others.

Use and protection of User name and password: Some portions of this Website are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored, and recorded, and any information obtained may be given to law enforcement agencies in connection with any investigation or prosecution of possible criminal activity. If you are not authorized to use such areas or do not consent to continued monitoring, you should not attempt to access such areas.

If you are authorized to use a restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. If you know or suspect that your password has been compromised, change your password immediately and contact Client Support: info@annexusfinancial.com.

You will be responsible for the confidentiality and use of your userid(s) and password(s). You agree not to hold Annexus Financial LLC liable for any damages of any kind resulting from your decision to disclose your userid(s) or password(s) to any third party, including, but not limited to, entities that aggregate account information or website content, or persons who are or claim to be acting as your or proxy. If you inform Annexus Financial LLC or Annexus Financial LLC has reason to believe that the security of your account password may be or has been compromised; we have the right to terminate your use of Electronic Services. You will be responsible for all orders entered through and under your userid(s) and password(s) and any orders so received by Annexus Financial LLC will be deemed to have been received from you. All orders shall be deemed to be made at the time received by Annexus Financial LLC and in the form received.

You agree immediately to notify Annexus Financial LLC if you become aware of:

• Any loss or theft of your userid(s) or password(s) or
• Any unauthorized use of any of your userid(s) or password(s) or of the Electronic Services or any Information.
• Over 18. You also warrant, represent, and covenant to Vendor that (i) you are at least eighteen (18) years of age; and (ii) you possess the legal right and ability to enter into this Agreement.
• No Circumvention. You agree not to attempt to circumvent user authentication or security of any host, network, or account related to Annexusfinancial.com. This includes, but is not limited to, accessing data not intended for you, logging into a server or account you are not expressly authorized to access, or probing the security of other networks.

Use of content: Use of the content of the Website and the Licensed Software is governed by the terms of the license agreement, these Terms and Conditions of Use and United States and international copyright law.

Data Transmission: You acknowledge that data, including email, electronic communications and personal financial data, may be accessed by unauthorized third parties when communicated between you and us using the Internet. You agree to use software produced by third parties, including, but not limited to, "browser" software that supports a data security protocol compatible with this service. Until notified otherwise by us, you agree to use software that supports the Secure Socket Layer (SSL) protocol or other protocols accepted by us and follow our logon procedures for Electronic Services that support such protocols. You acknowledge that we are not responsible for notifying you of any upgrades, fixes or enhancements to any such software or for any compromise of data transmitted across computer networks or telecommunications facilities, including, but not limited to, the Internet. In the event that continued use of our Electronic Services requires a change in the technology you use, you will be notified via e-mail 30 days prior to migration and will be provided with a web link that provides information about the upgrade and/or the ability to upgrade online.

Use of Software, Programs, Applications or Other Devices to Access Electronic Services: With the exception of applications commonly known as web-browser software, or other applications formally approved by Annexus Financial LLC in writing, you agree not to use any software, program, application or any other device to access or log on to Annexus Financial LLC's computer systems, website or proprietary software or to automate the process of obtaining, downloading, transferring or transmitting any content or information or client lists to or from Annexus Financial LLC's computer systems, website or proprietary software.

Licensor-licensee: The relationship established between User and Annexus Financial LLC shall be that of licensee and licensor. Nothing contained herein or in any license agreement shall be construed as creating a relationship of agency, joint venture, or partnership between User and Annexus Financial LLC. User, unless agreed to in writing, is not authorized as an agent, broker, or legal representative of or for Annexus Financial LLC. Neither party shall have any right whatsoever to incur any liabilities or obligations on behalf of the other party.

Indemnification: You agree to defend, indemnify and hold us and our affiliates harmless from and against any and all claims, losses, liability costs and expenses (including, but not limited to, attorneys' fees) arising from your violation of this Agreement, state or federal securities laws or regulations, or any third party's rights, including, but not limited to, infringement of any copyright, violation of any proprietary right and invasion of any privacy rights. This obligation will survive the termination of this Agreement.

Proprietary rights: No title to or ownership of the Licensed Software is transferred to User hereunder. User shall not alter, modify, or reverse engineer the Licensed Software without the prior express written consent of Annexus Financial LLC.

User recognizes and acknowledges the exclusive right of Annexus Financial LLC in and to all trademarks, service marks, trade names, copyrights, patents, and other intellectual property and proprietary rights in and to the Website and the Licensed Software. All copies of the Licensed Software permitted to be made by Licensee shall properly include in full, and within the executable object files thereof, Annexus Financial LLC's copyright, trademark, and proprietary notices and serial numbers as contained in the original copies possessed by Licensee. The trademarks, logos, and service marks displayed on this Website are the property of Annexus Financial LLC or other third parties. Use of these marks, except as provided for in the license agreement and these Terms and Conditions of Use, without the prior written consent of Annexus Financial LLC or such third party owner of the marks is strictly prohibited.

Copyright, trademark, patent, and/or other intellectual property laws protect the Licensed Software and related documents on this Website, as well as their selection and arrangement. Any unauthorized use of the Licensed Software and related documents may violate such laws and the Terms and Conditions of Use and may result in criminal/civil liability and/or termination of the User's access.

Our Ability to Terminate Electronic Services: We reserve the right to terminate your access to its Electronic Services or any portion of them in its sole discretion, without notice and without limitation, for any reason whatsoever. We may terminate your access to our Electronic Services for reasons including, but not limited to, the unauthorized use of your account access information, breach of this Agreement, or termination of one or more agreements between us and Service Providers, Information Providers or Information Transmitters. Annexus Financial LLC, the Service Providers, the Information Providers and the Information Transmitters shall have no liability to you for terminating your access to our Electronic Services.

Modifications: Annexus Financial LLC reserves the right to modify the terms and conditions of this Agreement or its policies relating to the Service at any time, effective upon posting of an updated version of this Agreement on the Service. You are responsible for regularly reviewing this Agreement. Continued use of the Service after any such changes shall constitute your consent to such changes.

Merger Clause: This Agreement expresses the final and complete agreement of the parties with respect to your use of Annexus Financial LLC's Electronic Services, to the exclusion of any and all statements, representations, promises, pledges or agreements and to the exclusion of any and all recorded statements, representations, promises, pledges or agreements.

Governing Law: This Agreement, and all future agreements you shall enter into with us, unless otherwise indicated on such other agreement, shall be governed by the law (but not the choice of law doctrines) of the State of Texas. This is the case regardless of whether you reside or transact business with Annexus Financial LLC in Texas or elsewhere, except that arbitration provisions shall be governed by the Federal Arbitration Act.