NOTICE OF ACCEPTANCE OF SITE TERMS OF USE
Tower Securities & Investment Co. Ltd, maintains and operates this site ("Site") from our offices in Nigeria. This Site has been created for information, education and communication purposes. We want to make your visit to our Site an enjoyable one, so take your time and browse. Please be aware that access to this Site from territories where its contents are illegal is prohibited. By accessing this site, you agree to be bound by these terms of use for this Site ("Site Terms of Use"), all applicable laws and regulations (including export and re-export control laws), and agree that you are responsible for complying with any applicable local laws. If you do not agree with any of these terms, do not use this Site. Applicable copyright and trademark law protects the materials contained in this Site. Please review the Copyright and Trademark sections below for additional details. Tower Securities & Investment Co. Ltd may revise these Site Terms of Use at any time without notice.

USE LICENSE
Permission is granted to view this Site and to print individual pages from this Site for your own personal, noncommercial use. This is a grant of a license, not a transfer of title, and under this license you may not: (1) modify or copy the materials (except as set forth in the preceding sentence); (2) use the materials for any commercial purpose, or for any public display (commercial or noncommercial); (3) attempt to decompile or reverse engineer any software contained on this Site; (4) remove any copyright or other proprietary notations from the materials; (5) transfer the materials to another person or "mirror" the materials on any other server; or (6) otherwise distribute, transmit, display, perform, reproduce, publish, license, or create derivative works from any information, material, software, products or services on this Site. This license shall automatically terminate if you violate any of these restrictions, and may be terminated by Tower Securities & Investment Co. Ltd at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession, whether in electronic or printed format.

COPYRIGHT
All materials on this web site ("Site") and the compilation thereof, including text, graphics, logos, icons, images and audio or visual files are the property of Tower Securities & Investment Co. Ltd or its content providers, and are protected by worldwide copyright laws and treaty provisions. The copyright on such materials is held by Tower Securities & Investment Co. Ltd or by the creator of the materials. None of the materials may be copied, reproduced, modified, published, uploaded, posted, transmitted or distributed in any form or by any means other than a) as described in the Links and Logos section of these Site Terms of Use, or b) with Tower Securities & Investment Co. Ltd prior written permission. All rights not expressly granted herein are reserved. Any unauthorized use of any materials on this Site may violate copyright laws, trademark laws, and other laws of Nigeria and other jurisdictions, and could result in the imposition of criminal or civil penalties. Tower Securities & Investment Co. Ltd will actively seek the recovery of any costs and damages it may incur as a result of such unauthorized use, and in preventing the misuse or misappropriation of its property.

TRADEMARKS
The trademarks, service marks, graphics and logos used on this Site ("Trademarks") are registered or unregistered trademarks of Tower Securities & Investment Co. Ltd, its subsidiaries and affiliates, or others, including many of our customers. Other product names used in this Site are for identification purposes only and may be trademarks of their respective companies. Nothing on this Site shall be construed as granting (by implication, estoppel, or otherwise) any license or right to use any of the Trademarks without the prior written consent of Tower Securities & Investment Co. Ltd.

LINKS AND LOGOS
This Site may contain links to other web sites on the Internet. All sites that may be accessed through this Site are independent, are not maintained by Tower Securities & Investment Co. Ltd and are provided only as a convenience. Tower Securities & Investment Co. Ltd has not reviewed all of the sites linked to this Site, has no control over the content of those sites, and is not responsible for their content. Your use of those linked sites is at your own risk. The inclusion of a linked site or any link accessible therefrom does not imply endorsement by Tower Securities & Investment Co. Ltd of any such site or the contents thereof. Tower Securities & Investment Co. Ltd PROHIBITS LINKS TO THIS SITE WITHOUT ITS PRIOR WRITTEN CONSENT. Any unauthorized use of any logos, graphics or other materials contained in this Site may result in the imposition of criminal or civil penalties. Torque Technologies will actively seek the recovery of any costs and damages it may incur as a result of such unauthorized use, and in preventing the misuse or misappropriation of its property.

GLOBAL AVAILABILITY AND APPLICABLE LAWS
This Site may contain references to Tower Securities & Investment Co. Ltd products or services that are not available in your state or country. Such references are not intended to announce such products or services in your state or country. If any part of these Site Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity or enforceability of the remaining provisions of these Site Terms of Use. Tower Securities & Investment Co. Ltd can revise these terms and conditions at any time by updating this posting. Tower Securities & Investment Co. Ltd may terminate this agreement at any time without notice for any reason.

REVISIONS AND ERRATA
The information and materials appearing on this Site may include technical inaccuracies, typographical errors, photographic errors, color variances, or omissions. Tower Securities & Investment Co. Ltd does not warrant that any of the information or materials on this site are accurate, complete or current. Tower Securities & Investment Co. Ltd may make changes to the information and materials contained on this Site at any time without notice. However, Tower Securities & Investment Co. Ltd does not make any commitment to update such information or materials.

MODIFICATIONS OF SITE TERMS OF USE
Tower Securities & Investment Co. Ltd may revise these Site Terms of Use from time to time without notice. By using this Site, you are agreeing to be bound by the then current version of these Site Terms of Use.

DISCLAIMER OF WARRANTY
THE INFORMATION AND MATERIALS ON THIS SITE ARE PROVIDED "AS - IS". Tower Securities & Investment Co. Ltd MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AS TO SUCH INFORMATION AND MATERIALS, AND Tower Securities & Investment Co. Ltd SPECIFICALLY DISCLAIMS AND NEGATES ALL OTHER WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR OTHER VIOLATION OF RIGHTS. Tower Securities & Investment Co. Ltd DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS ON THIS SITE WILL BE UNINTERRUPTED OR ERROR - FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. FURTHER, Concourse Industry DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS CONCERNING THE ACCURACY, LIKELY RESULTS OR RELIABILITY OF THE USE OF THE INFORMATION AND MATERIALS ON THIS SITE OR ON ANY WEBSITES LINKED TO THIS SITE, OR OTHERWISE RELATING TO SUCH INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY
IN NO EVENT SHALL Tower Securities & Investment Co. Ltd OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA OR PROFITS, OR DUE TO BUSINESS INTERRUPTION, WORK DELAY, TECHNICAL, SOFTWARE OR HARDWARE FAILURES OF ANY KIND), WHETHER SUCH DAMAGES ARE CLAIMED UNDER CONTRACT, IN TORT, OR OTHERWISE, ARISING OUT OF THE USE OF OR INABILITY TO USE THE INFORMATION AND MATERIALS ON THIS SITE OR ON ANY OTHER LINKED SITE, EVEN IF Tower Securities & Investment Co. Ltd OR ITS AUTHORIZED REPRESENTATIVE HAS BEEN NOTIFIED ORALLY OR IN WRITING OF THE POSSIBILITY OF SUCH DAMAGE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, OR LIMITATIONS ON LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THESE LIMITATIONS MAY NOT APPLY TO YOU.