Welcome to Sisters Encouraging Sisters

Terms and Conditions

Sisters Encouraging Sisters Ministries (“S.E.S.®”) operates this Web site. By accessing and using this site, you agree to each of the terms and
conditions set forth herein and agree to abide by the S.E.S. Procedures as set forth in the S.E.S. Bylaws, rules, regulations, published policies
and guidelines. Additional terms and conditions applicable to certain areas of this Web site or as to certain transactions are posted in those
areas or in connection with a particular transaction, and together with these Terms and Conditions govern your use of those areas and/or
transactions.

S.E.S reserves the right to modify these Terms and Conditions at any time without prior notice. Your use of this site following any modification
constitutes your agreement to be bound by the Terms and Conditions as modified. The last date these Terms and Conditions were revised is
set forth below.

You may use this Web site for lawful purposes only. You may not use this Web site for any purpose that is prohibited by law or regulations or
to facilitate the violation of any law or regulation.

Copyright

The site and the content are protected by U.S. and/or copyright laws, and belong to the S.E.S. or its partners, affiliates, contributors or third
parties. The copyright in the content is owned by the S.E.S. or other copyright owners who have authorized their use on the site. You may not
alter or manipulate in any way the content on the site without the specific written permission from the S.E.S. or the copyright owner.

Trademarks

You may not use any of the trademarks or logos appearing on this site without written permission from the trademark owner. S.E.S, S.E.S
Ministries, the Sisters Encouraging Sisters seal and design and all associated marks and logos are trademarks, registered trademarks and
service marks of S.E.S.

Disclaimer of Warranties

THE S.E.S. MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE
SITE, THE SERVICE OR THE CONTENT. S.E.S. EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR
OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SITE, THE SERVICE, THE CONTENT, AND ANY PRODUCT OR SERVICE FURNISHED
OR TO BE FURNISHED VIA THE SITE. S.E.S. DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE SITE OR THE SERVICE WILL
BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT DEFECTS IN THE SITE OR THE SERVICE WILL BE CORRECTED. S.E.S.
DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE CONTENT, OR THAT ANY ERRORS IN THE CONTENT WILL BE
CORRECTED. THE SITE, THE SERVICE AND THE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

Limitation of Liability

IN NO EVENT WILL THE S.E.S. BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT,
INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES, ARISING OUT OF (1) THE USE OF OR INABILITY
TO USE THE SITE, THE SERVICE, OR THE CONTENT, (2) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SITE; (3)
ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SITE, THE SERVICE AND/OR CONTENT, (4)
UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (5) ANY OTHER MATTER RELATING TO THE SITE,
THE SERVICE, OR THE CONTENT, EVEN IF THE S.E.S. HAS BEEN ADVISED OF THE POSSIBILITIES OF SUCH DAMAGES. IF YOU ARE
DISSATISFIED WITH THE SITE, THE SERVICE, THE CONTENT, OR THE TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS
TO DISCONTINUE USING THE SITE.

BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL
DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES S.E.S. ‘S LIABILITY IS LIMITED AND
WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW.

Arbitration

YOU AGREE THAT ANY CAUSE OF ACTION, CONTROVERSY OR CLAIM ARISING OUT OF OR RELATED TO THE USE OF THIS SITE, SERVICE
OR CONTENT BETWEEN THE S.E.S. AND YOURSELF OR AS TO THE CONSTRUCTION, INTERPRETATION AND EFFECT OF THIS AGREEMENT
SHALL BE SETTLED BY ARBITRATION PURSUANT TO THE APPLICABLE RULES OF THE AMERICAN ARBITRATION ASSOCIATION.
HOWEVER, PRIOR TO ARBITRATION ALL APPLICABLE S.E.S. BYLAWS, RULES, REGULATIONS AND PROCEDURES MUST FIRST BE
FOLLOWED AS SET FORTH IN THE S.E.S. BYLAWS, RULES, REGULATIONS, PUBLISHED POLICIES AND GUIDELINES.

Dated: 05/30/06