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<br />GENERAL OBLIGATIONS <br />We are responsible only for performing the Selvices expressly provided for in this Booklet. <br />We may contract with an outside vendor in providing any of these Services. <br /> <br />With respect to any Service, we will provide you with assistance by telephone at the numbers <br />and during the hours specified by us in writing from time to time. <br /> <br />You are responsible for maintaining the security of your data and ensuring that it is <br />adequately backed-up. We are not responsible for your loss of your data. <br /> <br />ORAL INSTRUCTIONS <br />Except as otherwise provided in this Booklet with respect to compliance with any applicable <br />Security Procedure, we may rely on oral instl1lctions from any person who identifies himself <br />or herself by a name which is included on a written list from you of persons authorized to <br />give such instructions. You will update this list from time to time as necessary to reflect any <br />changes in authorized persons. Except as otherwise expressly stated in this Booklet, we are <br />not required to act on any instruction from any person or to give notices to any person. <br /> <br />SEVERABILITY; NO WAIVER <br />If any provision of this Booklet or the application of any such provision to any person or set <br />of circumstances is determined to be invalid, unlawful, void or unenforceable to any extent, <br />the remainder of this Booklet., and the application of such provision to persons or <br />circumstances other than those as to which it is determined to be invalid, unlawful, void or <br />unenforceable, are not impaired or otherwise affected and continue to be valid and <br />enforceable to the fullest extent permitted by law. <br /> <br />No delay or failure to exercise any light or remedy under this Booklet is deemed to be a <br />waiver of such right or remedy. No waiver of a single breach or default under this Booklet is a <br />waiver of any other breach or default. Any waiver under this Booklet must be in writing. <br /> <br />GOVERNING LAW <br /> <br />Except as otherwise expressly provided in this Booklet for a particular Service, with <br />respect to each Service, this Booklet is governed by and interpreted according to (i) U.S. <br />federal law and (ii) the law of (A) the state in the United States of America in which the <br />account (or the principal account., in the case of multiple accounts) associated with such <br />Service is located or, if there is no such state or no account associated with such Service, (B) <br />the State of New York, without reference to the principles of conflicts of law of the U.S. <br />and of such state. <br /> <br />If you are headquartered, or are using a Service, outside the United States of Amelica, and if <br />requested by us, you must appoint an agent for service of process in England, Hong Kong, <br />Singapore and/or the United States of America, and you irrevocably agree that any writ., <br />summons, order, judgment or other document relating to or in conjunction with any <br />proceeding, suit or action may be served on you in such jurisdiction. <br /> <br />AD-AG-0455B (2004-2) <br /> <br />57 <br />