Some web pages or sections included in the Grameen America Website may allow you to submit, transmit or publish content or other material (“User Content”) to the Grameen America Website or other Grameen America Website users. When you provide User Content to the Website or other users, you agree to do so on the following terms:

• You are solely responsible for any User Content and other material that you submit, transmit or publish to the Grameen America Website or other Grameen America Website users

• You may not submit any User Content that infringes, misappropriates or otherwise violates the intellectual property, publicity, privacy or other rights of any person or that is subject to any restrictions, or imposes any obligations, on the use or further distribution thereof

• You may not submit any User Content that falsely expresses or implies that such User Content or material is sponsored or endorsed by Grameen America

• You may not submit any User Content that is unlawful or that promotes or encourages illegal activity

• You will only submit User Content that you believe to be true, and you will not purposely submit any false or misleading information

• You will not disguise the origin of any User Content and will not pretend that you are, or that you represent, someone else, or impersonate or attempt to impersonate any other individual or entity

• You will not post User Content that: (i) is patently offensive to users of the Grameen America Website, such as User Content or messages that promote racism, bigotry, hatred or physical harm of any kind against any group or individual; (ii) harasses or advocates harassment of another person or includes personal information about another person, such as their address, email address or telephone number; (iii) involves the transmission of unsolicited mass mailing (i.e., “spamming”) or other forms of solicitation (including, but not limited to, advertising, promotional materials, chain letters and/or schemes); (iv) promotes illegal activities or conduct that is abusive; (v) violates any applicable law or regulation; (vi) is threatening, obscene, defamatory or libelous; (vii) is pornographic or sexually explicit in nature; (viii) seeks or recommends providers of material that exploits people under the age of 18 in a sexual or violent manner, or seeks or recommends providers that solicit personal information from anyone under the age of 18; and/or (ix) is otherwise inappropriate.

By submitting User Content to the Grameen America Website, you agree to and hereby grant, and you represent and warrant that you have the right to grant, Grameen America a non-exclusive, worldwide, perpetual, irrevocable, unrestricted, royalty-free, fully paid-up, transferable license, with the right to sublicense, use, copy, publicly perform, digitally perform, publicly display and distribute for any purpose, commercial or otherwise, such User Content, and to sell, modify, create derivative works from and/or incorporate such User Content into other works in any form, medium or technology, whether now known or hereafter developed, in each case, without compensation or notice to you. Unless Grameen America expressly states to the contrary, Grameen America will not be required to treat any User Content as confidential. You agree to and hereby waive any moral rights that you may have to your User Content. You represent and warrant that your User Content: (i) does not infringe, misappropriate or otherwise violate the intellectual property, publicity, privacy or other rights of any person or entity; (ii) is not subject to any restrictions, including any confidentiality restrictions; and (iii) does not contain, and that you do not impose, any obligations on the use or further distribution thereof.

You acknowledge and agree that Grameen America is under no obligation to publish any User Content on the Grameen America Website or to compensate you for the use of your User Content. Grameen America may at any time, without prior notice and at its sole discretion, remove any User Content from or block or terminate access to the Grameen America Website or take any other appropriate action against any person or entity. Illegal or unauthorized uses of the Grameen America Website will be investigated and subject to appropriate legal action, including, without limitation, civil, criminal and/or injunctive redress. We reserve the right to report any such activity to appropriate law enforcement officials, regulators or other third parties, and we may do so without prior notice to you.

Grameen America does not endorse any User Content or any opinion, recommendation, or advice expressed therein, and Grameen America hereby expressly disclaims any and all liability in connection with any User Content. The mention of specific companies, individuals or other third parties or their products, services or artistic works in any User Content does not imply an endorsement or recommendation by Grameen America.