PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. BY ACCESSING AND ANY PAGES THEREOF (the "Site"), YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS LISTED BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

The following entities are broker-dealers which offer investment and brokerage products and services on this web site:

SSgA Funds® and streetTRACKS® are distributed by State Street Global Markets, LLC, a wholly-owned subsidiary of State Street Corporation. State Street Global Markets, LLC is a member of FINRA, SIPC.

Dow Diamonds®, SPDRs®, and Select Sector SPDRs® are distributed by ALPS Distributors, Inc., a registered broker-dealer.

The following SSgA companies also present product and services information on this site, but are not broker-dealers:

State Street Global Advisors (SSgA) is the investment management arm of State Street Corporation. SSgA focuses on delivering investment strategies and integrated solutions to institutional and individual investors worldwide.

As one of the world's largest investment managers, SSgA has established a global presence with 27 locations and 11 investment centers. SSgA clients depend on SSgA to provide sophisticated, customized investment solutions backed by the experience and technology to help them succeed in today's challenging investment environment.

No Offer/Local Restrictions

Nothing contained in or on the Site should be construed as a solicitation of an offer to buy or offer, or recommendation, to acquire or dispose of any security, commodity, investment or to engage in any other transaction. SSgA Intermediary Business offers a number of products and services designed specifically for various categories of investors. Not all products will be available to all investors. The information provided on the 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. All persons and entities accessing the Site do so on their own initiative and are responsible for compliance with applicable local laws and regulations. The Site is not directed to any person in any jurisdiction where the publication or availability of the Site is prohibited, by reason of that person's nationality, residence or otherwise. Persons under these restrictions must not access the Site.

Information for Non-U.S. Investors

The products and services described on this web site are intended to be made available only to persons in the United States, and the information on this web site is only for such persons. Nothing on this web site shall be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

No Reliance

Information contained in the Site is checked and updated by SSgA - Intermediary Business with due diligence on a regular basis. However, data on the Site may become outdated. Therefore, neither SSgA - Intermediary Business nor U.S. affiliates of SSgA, including but not limited to State Street Corporation, State Street Global Markets, LLC, and State Street Global Advisors (collectively hereinafter referred to as "Affiliates") assumes any liability or guarantee for the timeliness, accuracy and completeness of the information provided. SSgA - Intermediary Business uses reasonable efforts to obtain information from sources that it believes to be reliable; however, SSgA - Intermediary Business and its Affiliates makes no representation that the information or opinions contained on the Site is accurate, reliable or complete. The information on the Site is provided for informational purposes only and is subject to change without notice. The investments and strategies discussed in the contents may not be suitable for all investors and are not obligations of SSgA or guaranteed by SSgA or its Affiliates. The investments are not bank deposits and are not insured by the FDIC, CIPF, CDIC or any other entity and are subject to investment risks, including the loss of the principal amount invested. Nothing contained on the Site constitutes investment, legal, tax or other advice nor is to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.

No Warranty

THE INFORMATION ON THE SITE IS PROVIDED "AS IS". NEITHER SSgA - INTERMEDIARY BUSINESS NOR U.S. AFFILIATES OF SSGA, INCLUDING BUT NOT LIMITED TO STATE STREET CORPORATION, STATE STREET GLOBAL MARKETS, LLC, AND STATE STREET GLOBAL ADVISORS WARRANTS THE ACCURACY OF THE MATERIALS PROVIDED HEREIN, EITHER EXPRESSLY OR IMPLIEDLY, FOR ANY PARTICULAR PURPOSE AND EACH EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

Limitations of Liability

In no event, including negligence, will SSgA - Intermediary Business nor U.S. affiliates of SSgA, including but not limited to State Street Corporation, State Street Global Markets, LLC, and State Street Global Advisors be liable for any loss or damage of any kind, including any direct, special indirect or consequential damages arising out of or in connection with the access of, use of, performance of, browsing in or linking to other sites from the Site.

Indemnification

As a condition of your use of this sites, you agree to indemnify and hold SSgA - Intermediary Business nor U.S. affiliates of SSgA, including but not limited to State Street Corporation, State Street Global Markets, LLC, and State Street Global Advisors harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of the sites, or from your violation of these Terms.

Linked Websites

Should the viewer leave the Site via a link contained in the Site which leads to an entity not affiliated with SSgA- Intermediary Business, the viewer does so at its own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by SSgA - Intermediary Business nor U.S. affiliates of SSgA, including but not limited to State Street Corporation, State Street Global Markets, LLC, and State Street Global Advisors, and neither SSgA - Intermediary Business nor U.S. affiliates of SSgA, including but not limited to State Street Corporation, State Street Global Markets, LLC, and State Street Global Advisors will accept any responsibility whatsoever for the content of such sites or any losses related thereto.

Investment Performance

Historical performance is not necessarily indicative of future performance of an investment. The value of investments may fall as well as rise and investors may not get back the amount invested.

Trademark

"State Street Global Advisors," "SSgA - Intermediary Business," "State Street Global Markets, LLC", and "SSgA" are trademarks of State Street Corporation. Copyright, trademark and other forms of proprietary rights protect the contents at the site. From time to time, the trademarks of other unaffiliated entities may be referred to on the Site and their respective owners own these trademarks. Trademark owners are not responsible for and have not reviewed this site and no representation or warranty, express or implied, as to its accuracy, or completeness of the materials presented on it.

Mutual Funds and Exchange Traded Funds ("ETFs")

SSgA Funds and streetTRACKS are distributed by State Street Global Markets, LLC, a wholly-owned subsidiary of State Street Corporation. State Street Global Markets, LLC is a member of FINRA, SIPC.

Dow Diamonds®, SPDRs, and Select Sector SPDRs are distributed by ALPS Distributors, Inc., a registered broker-dealer.

Passwords

Certain areas of this web site cannot be viewed without a password or access code. You are solely responsible for the use and proper protection of the passwords and you shall take precautions to prevent their unauthorized use. If you become aware that a password has been lost or stolen or of any unauthorized use or access, please contact your SSgA representative immediately. SSgA Intermediary Business nor affiliates shall not be liable for the unauthorized use of a password prior to receipt of notice regarding the unauthorized use of a password.

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. BY ACCESSING AND ANY PAGES THEREOF (the "Site"), YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS LISTED BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

Privacy information for public areas on the Site

When using the public areas of the Site SSgA- Intermediary Business and its Affiliates does not monitor or collect any personally identifiable information from you. SSgA may however track the number of users who visit the public areas of the Site. SSgA may also record the location of your computer on the Internet for systems administrative and trouble shooting purposes and to report aggregate information. SSgA uses various technical means, including "cookies," to collect and store information about your Internet connection when you visit the Site. Cookies are data elements that the Site sends to your browser. SSgA uses cookies to measure the number of visitors to different parts of the Site. This information helps SSgA to improve the Site and make it more useful to the Site's visitors. If you would prefer not to accept cookies from the Site, you may set your browser accordingly. If you choose to disable cookies in your browser, you can still access most of the Site. SSgA may use other methods now or in the future to accomplish the goals of collecting technical and navigation information about the Site.

We use third party advertising companies to serve ads on our behalf across the Internet. These third-party advertising companies employ cookie and Web Beacon (also referred to as 1x1 pixel.gifs or action tags) technology to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our website and other websites. This information can include: date/time of banner ad shown, their cookie, and the first three octets of the IP address. They DO NOT collect personal information. This anonymous information can also be used for online preference marketing purposes.

If you voluntarily provide personal information such as an e-mail address when inquiring about SSgA or its products and services, we use that personal information to improve our services to you, to provide information to you and to inform you about additional products or services that may be of interest to you. SSgA does not share your personal information with unaffiliated third parties, except as required by law.

Privacy information for password protected areas on the Site

When using the areas of the Site which require a personal identifier and password, SSgA does not monitor or collect any personally identifiable information from you. Additionally, SSgA may track the number of users who visit various areas of the Site. SSgA may also record the location of your computer on the Internet for systems administrative and trouble shooting purposes and to report aggregate information. SSgA uses various technical means, including "cookies," to collect and store information about your Internet connection when you visit the Site. Cookies are data elements that the Site sends to your browser. SSgA uses cookies to measure the number of visitors to different parts of the Site. This information helps SSgA to improve the Site and make it more useful to the Site's visitors. If you choose to disable cookies in your browser, you will not be able to log on the Site or maintain a session on the Site. SSgA may use other methods now or in the future to accomplish the goals of collecting technical and navigation information about the Site.

We use third party advertising companies to serve ads on our behalf across the Internet. These third-party advertising companies employ cookie and Web Beacon (also referred to as 1x1 pixel.gifs or action tags) technology to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our website and other websites. This information can include: date/time of banner ad shown, their cookie, and the first three octets of the IP address. They DO NOT collect personal information. This anonymous information can also be used for online preference marketing purposes.

SSgA uses your personal information to service your account, to improve SSgA's services to you, to provide information to you and to inform you about additional products or services that may be of interest to you. SSgA does not share your personal information with unaffiliated third parties for marketing products other than those offered by SSgA.

While SSgA takes active steps, including use of firewall barriers, encryption techniques and authentication procedures, to protect all information SSgA receives online, SSgA cannot guarantee the security of any information you transmit to the Site online, and you do so at your own risk.

SSgA Funds Privacy Policy

The SSgA Funds are committed to protecting the privacy of our investors. We treat all information we collect as confidential information, offered to us solely and exclusively so that we may provide financial products and services for your benefit. Because your personal and financial information is private, we maintain the strictest standards for its safekeeping and use. The information we collect about you (which we will refer to as "nonpublic, personal information") generally falls into one of the following categories:

Information, such as your name, address, social security number, telephone number, bank information, tax identification number, age, income, net worth, investment profile, and name of your beneficiary, which you provide in account applications and other forms and requests you submit.

Transactional information about your accounts, such as your investment choices, account balances and transaction history.

We use the nonpublic, personal information we collect primarily to:

Process your transactions and maintain your accounts
Provide products and services you request
Develop new products which meet additional needs you may have
Respond to inquiries from you or your representative (if your account is serviced through a third party agent of the SSgA funds)
Improve customer service
Comply with legal and regulatory requirements

In providing these services to you, the SSgA Funds may share this information with financial service providers pursuant to agreements in which the funds have entered to provide distribution, shareholder servicing, administration, advisory, transfer agency and custodial services. The SSgA Funds and our service providers do not disclose current or past investor's nonpublic, personal information to third parties, except as permitted by law under certain limited circumstances, such as to resolve a dispute or prevent fraud.

Access to nonpublic, personal information about our investors that we possess is restricted to our servicing agent, Boston Financial Data Services, Inc., and its employees and affiliates. We may also share selected portions of this information with unaffiliated companies that we hire to perform administrative services on our behalf. Examples include transaction processing and servicing organizations that administer transactions you request or authorize, and print and mail service providers that assist in distributing investor materials such as transaction confirmations, annual reports, prospectuses, tax forms and proxies.

Under no circumstances do we sell any of the nonpublic, personal information we collect. The service providers and unaffiliated companies with whom we share nonpublic, personal information are not authorized to use or share this information for any purpose other than to provide the services to the SSgA Funds for which they have been contracted.

We maintain strong physical, electronic and procedural safeguards and security controls designed to ensure that the nonpublic, personal information about prospective, current and former customers in our files and computers is protected.

SSgAfunds.com contains links to other web sites. The SSgA Funds are not responsible for the privacy practices or the content of these web sites.

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. BY ACCESSING AND ANY PAGES THEREOF (the "Site"), YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS LISTED BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

Use of the Site/Copyright

The entire content of the Site is subject to copyright of State Street Corporation with all rights reserved. If you download or print out a hard copy of individual pages and/or sections of the Site, you may not remove any copyright or other proprietary notices. Any downloading or otherwise copying from the Site will not transfer title to any software or material to you. You may not reproduce (in whole or in part, whether by "framing" or similar technology or otherwise), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose all or any portion of the Site without the prior written permission of State Street Corporation.