WILEY END USER LICENSE AGREEMENT This End-User License Agreement (the “Agreement”) is a legal agreement between you and John Wiley & Sons, Inc. (“Wiley”) for the Wiley proprietary material attached hereto (the “Licensed Material”) that you may have licensed through a third party or from Wiley directly. Your use of the Licensed Material indicates your acceptance of the terms and conditions of this Agreement. License Wiley hereby grants you, and you accept, a non-exclusive and non-transferable license to view, use and display the Licensed Material on the following terms and conditions only: a. You acknowledge that the Licensed Material is being licensed to you and use is subject to the terms and conditions of this Agreement. b. The Licensed Material is for your personal use only. c. For Licensed Material made accessible to you offline, you may use the Licensed Material only on the number of devices permitted by the Digital Rights Management and for the loan term granted. d. You may not copy, paste or print the Licensed Material or create a digital replica. e. You may not upload copy, modify, print, transmit, transfer, make or distribute copies of the Licensed Material in whole or in part, create by decompilation or otherwise the source code of the Licensed Material, except as expressly permitted by this Agreement. If you transfer possession of any copy or modification of the Licensed Material to any third party, your license is automatically terminated. Such termination will be in addition to and not in lieu of any equitable, civil, or other remedies available to Wiley. f. If you accessed the Licensed Material from a third party website or using a device which requires you to accept any other user agreement, you are bound by both this Agreement and any third party website or device-specific agreement. In the event of a conflict between this Agreement and any third party agreement, the more restrictive terms will apply. If the website or device applies any form of Digital Rights Management to the Licensed Material, you may not disable or remove that Digital Rights Management. Term This Agreement shall terminate if you fail to comply with any term or condition of this Agreement. Upon such termination, you agree to immediately discontinue all access to the Licensed Material. Wiley’s Rights You acknowledge that all rights (including without limitation, copyrights, patents and trade secrets) in the Licensed Material are the sole and exclusive property of Wiley and/or its licensors. By accepting this Agreement, you do not become the owner of the Licensed Material, but you do have a limited license to use it in accordance with the provisions of this Agreement. You agree to protect the Licensed Material from unauthorized use, upload, download, reproduction, or distribution. You further agree not to translate, decompile, disassemble or otherwise reverse engineer the Licensed Material. DISCLAIMER LICENSED MATERIAL(S) ARE PROVIDED ''AS IS,'' WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE ENTIRE RISK AS TO THE RESULTS OR PERFORMANCE, AND THE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION OF THE LICENSED MATERIAL IS ASSUMED BY YOU. IN NO EVENT WILL WILEY OR ITS LICENSORS BE LIABLE TO YOU FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST SAVINGS, OR OTHER INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE LICENSED MATERIAL(S). General This Agreement represents the entire agreement between us and supersedes any prior Agreements, oral or written, and any other communication between us relating to the subject matter of this Agreement. This Agreement will be governed and construed as if wholly entered into and performed within the State of New York. You acknowledge that you have read this Agreement, and agree to be bound by its terms and conditions.

WILEY END USER LICENSE AGREEMENT This End-User License Agreement (the “Agreement”) is a legal agreement between you and John Wiley & Sons, Inc. (“Wiley”) for the Wiley proprietary material attached hereto (the “Licensed Material”) that you may have licensed through a third party or from Wiley directly. Your use of the Licensed Material indicates your acceptance of the terms and conditions of this Agreement. License Wiley hereby grants you, and you accept, a non-exclusive and non-transferable license to view, use and display the Licensed Material on the following terms and conditions only: a. You acknowledge that the Licensed Material is being licensed to you and use is subject to the terms and conditions of this Agreement. b. The Licensed Material is for your personal use only. c. For Licensed Material made accessible to you offline, you may use the Licensed Material only on the number of devices permitted by the Digital Rights Management and for the loan term granted. d. You may not copy, paste or print the Licensed Material or create a digital replica. e. You may not upload copy, modify, print, transmit, transfer, make or distribute copies of the Licensed Material in whole or in part, create by decompilation or otherwise the source code of the Licensed Material, except as expressly permitted by this Agreement. If you transfer possession of any copy or modification of the Licensed Material to any third party, your license is automatically terminated. Such termination will be in addition to and not in lieu of any equitable, civil, or other remedies available to Wiley. f. If you accessed the Licensed Material from a third party website or using a device which requires you to accept any other user agreement, you are bound by both this Agreement and any third party website or device-specific agreement. In the event of a conflict between this Agreement and any third party agreement, the more restrictive terms will apply. If the website or device applies any form of Digital Rights Management to the Licensed Material, you may not disable or remove that Digital Rights Management. Term This Agreement shall terminate if you fail to comply with any term or condition of this Agreement. Upon such termination, you agree to immediately discontinue all access to the Licensed Material. Wiley’s Rights You acknowledge that all rights (including without limitation, copyrights, patents and trade secrets) in the Licensed Material are the sole and exclusive property of Wiley and/or its licensors. By accepting this Agreement, you do not become the owner of the Licensed Material, but you do have a limited license to use it in accordance with the provisions of this Agreement. You agree to protect the Licensed Material from unauthorized use, upload, download, reproduction, or distribution. You further agree not to translate, decompile, disassemble or otherwise reverse engineer the Licensed Material. DISCLAIMER LICENSED MATERIAL(S) ARE PROVIDED ''AS IS,'' WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE ENTIRE RISK AS TO THE RESULTS OR PERFORMANCE, AND THE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION OF THE LICENSED MATERIAL IS ASSUMED BY YOU. IN NO EVENT WILL WILEY OR ITS LICENSORS BE LIABLE TO YOU FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST SAVINGS, OR OTHER INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE LICENSED MATERIAL(S). General This Agreement represents the entire agreement between us and supersedes any prior Agreements, oral or written, and any other communication between us relating to the subject matter of this Agreement. This Agreement will be governed and construed as if wholly entered into and performed within the State of New York. You acknowledge that you have read this Agreement, and agree to be bound by its terms and conditions.

WILEY END USER LICENSE AGREEMENT This End-User License Agreement (the “Agreement”) is a legal agreement between you and John Wiley & Sons, Inc. (“Wiley”) for the Wiley proprietary material attached hereto (the “Licensed Material”) that you may have licensed through a third party or from Wiley directly. Your use of the Licensed Material indicates your acceptance of the terms and conditions of this Agreement. License Wiley hereby grants you, and you accept, a non-exclusive and non-transferable license to view, use and display the Licensed Material on the following terms and conditions only: a. You acknowledge that the Licensed Material is being licensed to you and use is subject to the terms and conditions of this Agreement. b. The Licensed Material is for your personal use only. c. For Licensed Material made accessible to you offline, you may use the Licensed Material only on the number of devices permitted by the Digital Rights Management and for the loan term granted. d. You may not copy, paste or print the Licensed Material or create a digital replica. e. You may not upload copy, modify, print, transmit, transfer, make or distribute copies of the Licensed Material in whole or in part, create by decompilation or otherwise the source code of the Licensed Material, except as expressly permitted by this Agreement. If you transfer possession of any copy or modification of the Licensed Material to any third party, your license is automatically terminated. Such termination will be in addition to and not in lieu of any equitable, civil, or other remedies available to Wiley. f. If you accessed the Licensed Material from a third party website or using a device which requires you to accept any other user agreement, you are bound by both this Agreement and any third party website or device-specific agreement. In the event of a conflict between this Agreement and any third party agreement, the more restrictive terms will apply. If the website or device applies any form of Digital Rights Management to the Licensed Material, you may not disable or remove that Digital Rights Management. Term This Agreement shall terminate if you fail to comply with any term or condition of this Agreement. Upon such termination, you agree to immediately discontinue all access to the Licensed Material. Wiley’s Rights You acknowledge that all rights (including without limitation, copyrights, patents and trade secrets) in the Licensed Material are the sole and exclusive property of Wiley and/or its licensors. By accepting this Agreement, you do not become the owner of the Licensed Material, but you do have a limited license to use it in accordance with the provisions of this Agreement. You agree to protect the Licensed Material from unauthorized use, upload, download, reproduction, or distribution. You further agree not to translate, decompile, disassemble or otherwise reverse engineer the Licensed Material. DISCLAIMER LICENSED MATERIAL(S) ARE PROVIDED ''AS IS,'' WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE ENTIRE RISK AS TO THE RESULTS OR PERFORMANCE, AND THE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION OF THE LICENSED MATERIAL IS ASSUMED BY YOU. IN NO EVENT WILL WILEY OR ITS LICENSORS BE LIABLE TO YOU FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST SAVINGS, OR OTHER INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE LICENSED MATERIAL(S). General This Agreement represents the entire agreement between us and supersedes any prior Agreements, oral or written, and any other communication between us relating to the subject matter of this Agreement. This Agreement will be governed and construed as if wholly entered into and performed within the State of New York. You acknowledge that you have read this Agreement, and agree to be bound by its terms and conditions.