E&F GROUP, INC. PROPRIETARY LICENSE AND WEBSITE TERMS OF USE Copyright (c) 2025-2026 E&F Group, Inc. All Rights Reserved. Effective Date: January 2, 2025 Last Updated: August 14, 2026 These Proprietary License and Website Terms of Use (this "Agreement") are entered into between E&F Group, Inc., a Delaware corporation ("E&F", "we", "us", or "our"), and you, the individual or entity accessing or using the Materials (as defined below) ("you" or "your"). This Agreement governs your access to and use of: (a) the website located at https://www.efgroupinc.com/ (the "Site"); and (b) all source code, object code, scripts, stylesheets, markup, designs, text, graphics, images, logos, icons, and other content and assets made available through the Site, a source code repository, or any other means (collectively, together with the Site, the "Materials"). As described in Section 2, certain Third-Party Components included in the Materials are owned by third parties and licensed under their own terms. By accessing or using the Materials, you acknowledge that you have read, understood, and agree to be bound by this Agreement. If you do not agree to this Agreement, you must not access or use the Materials. 1. OWNERSHIP Except for the Third-Party Components identified in Section 2, the Materials are the proprietary property of E&F and are protected by United States and international copyright, trademark, trade secret, and other intellectual property laws. As between you and E&F, E&F retains all right, title, and interest in and to the Materials (excluding Third-Party Components) and all intellectual property rights therein. All rights not expressly granted in this Agreement are reserved by E&F. No ownership rights are transferred to you or any other party under this Agreement. The E&F-authored portions of the Materials are NOT open source. The "E&F Group" name, the E&F logo, and any related names, logos, and marks are trademarks of E&F. You may not use them without E&F's prior written permission. 2. THIRD-PARTY COMPONENTS The Materials incorporate certain third-party components that are NOT the property of E&F, including the Three.js library and the Geist Sans font family (collectively, "Third-Party Components"). Third-Party Components are owned by their respective copyright holders and are licensed under their own separate license terms, which are identified in the Third-Party Notices appendix at the end of this Agreement. Nothing in this Agreement restricts, limits, or modifies any rights granted to you under the applicable third-party licenses with respect to those Third-Party Components, and nothing in this Agreement grants you any rights in the Third-Party Components beyond those licenses. Section 1 of this Agreement applies only to the portions of the Materials authored or owned by E&F. 3. LIMITED LICENSE Subject to your compliance with this Agreement, E&F grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and view the Site in a standard, unmodified web browser for your personal or internal informational purposes. This license includes the transient, temporary, and cached copies of the Materials that are automatically made by your browser or device as a necessary and incidental part of ordinary web browsing. No other license or right is granted to you, whether by implication, estoppel, or otherwise. 4. RESTRICTIONS Except as expressly permitted by Section 3, by a separate written agreement signed by an authorized officer of E&F, or by applicable third-party licenses with respect to Third-Party Components, you shall not, and shall not permit or assist any third party to: (a) copy, reproduce, download, store, publish, republish, distribute, transmit, display, sell, rent, lease, lend, sublicense, or otherwise transfer or make available the Materials or any portion thereof; (b) modify, adapt, translate, or create derivative works based on the Materials or any portion thereof, or incorporate the Materials or any portion thereof into any other website, product, or service; (c) use any robot, spider, scraper, crawler, or other automated means to access, harvest, extract, or index the Materials, or engage in any bulk or systematic collection of the Materials, except that operators of public search engines may crawl and index the Site solely to make it publicly searchable, and only in accordance with the directives published in the Site's robots.txt file and subject to subsection (d) below; (d) use the Materials, in whole or in part, to train, fine-tune, test, or otherwise develop any machine learning model, artificial intelligence system, or similar technology; (e) remove, alter, or obscure any copyright, trademark, or other proprietary notices contained in or on the Materials; (f) reverse engineer, decompile, or disassemble the Materials, or otherwise attempt to derive non-public source code, structures, or algorithms from the Materials, except to the extent such restriction is prohibited by applicable law; (g) frame, mirror, or embed the Site or any portion of the Materials within any other website or application; (h) interfere with or disrupt the operation, security, or integrity of the Site, or attempt to gain unauthorized access to any systems, servers, or networks connected to the Site; or (i) use the Materials for any unlawful purpose or in violation of any applicable law or regulation. Any use of the Materials not expressly authorized by this Agreement is a breach of this Agreement and may violate copyright, trademark, trade secret, and other laws. 5. FEEDBACK If you voluntarily submit to E&F any suggestions, ideas, improvements, or other feedback relating to the Materials ("Feedback"), you hereby assign to E&F all right, title, and interest in and to such Feedback, and E&F may use and exploit such Feedback for any purpose without restriction, attribution, or compensation. You agree to execute any documents reasonably requested by E&F to confirm such assignment. 6. CONFIDENTIALITY AND TRADE SECRETS Any non-public portions of the Materials, and any non-public information relating to the Materials (including non-public source code, designs, architecture, plans, and documentation), constitute confidential information and trade secrets of E&F ("Confidential Information"). If you obtain access to any Confidential Information, whether or not such access was authorized, you shall: (a) hold it in strict confidence; (b) not use it for any purpose other than as expressly authorized in writing by E&F; and (c) not disclose it to any third party. If you are compelled by law or court order to disclose Confidential Information, you shall provide prompt written notice to E&F (to the extent legally permitted) so that E&F may seek a protective order or other appropriate remedy. Unauthorized use or disclosure of Confidential Information constitutes both a breach of this Agreement and a misappropriation of E&F's trade secrets, entitling E&F to remedies under this Agreement, the Defend Trade Secrets Act, the Colorado Uniform Trade Secrets Act, and other applicable law. The obligations in this Section survive for as long as the relevant information remains confidential. 7. TERMINATION The license granted in Section 3 terminates automatically and immediately, without notice, upon any breach by you of this Agreement. E&F may also suspend, restrict, or terminate your access to the Site or the Materials at any time, with or without cause and with or without notice. Upon any termination, you must immediately cease all use of the Materials and destroy any copies of the Materials in your possession or control (other than copies of Third-Party Components you are entitled to retain under their own licenses). Sections 1, 2, and 4 through 12, and the Third-Party Notices appendix, survive any termination of this Agreement. Termination does not relieve you of liability for any breach occurring prior to termination. 8. DISCLAIMER OF WARRANTIES THE MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, E&F DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. E&F DOES NOT WARRANT THAT THE MATERIALS WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE MATERIALS IS AT YOUR SOLE RISK. 9. LIMITATION OF LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: (A) IN NO EVENT WILL E&F OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE MATERIALS, UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (B) E&F'S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE MATERIALS WILL NOT EXCEED THE GREATER OF THE AMOUNT OF FEES (IF ANY) YOU PAID TO E&F FOR THE MATERIALS OR ONE HUNDRED U.S. DOLLARS (USD $100). NOTHING IN THIS AGREEMENT LIMITS OR EXCLUDES ANY LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT WHERE SUCH LIMITATION IS PROHIBITED. 10. REMEDIES You acknowledge that the Materials embody valuable proprietary rights of E&F and that any breach or threatened breach of Sections 4 or 6 of this Agreement would cause irreparable harm to E&F for which monetary damages would be an inadequate remedy. Accordingly, in addition to all other rights and remedies available at law or in equity, E&F is entitled to seek immediate temporary, preliminary, and permanent injunctive relief to prevent or restrain any such breach or threatened breach, without the requirement to post a bond or prove actual damages. All rights and remedies under this Agreement are cumulative and are in addition to any rights and remedies available under applicable law, including statutory damages under copyright law and remedies for trade secret misappropriation. In any action or proceeding to enforce or interpret this Agreement, the prevailing party is entitled to recover its reasonable attorneys' fees and costs, in addition to any other relief awarded. 11. GOVERNING LAW; VENUE; JURY WAIVER This Agreement is governed by and construed in accordance with the laws of the State of Colorado, United States of America, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement. Any legal action or proceeding arising out of or relating to this Agreement or the Materials shall be brought exclusively in the state or federal courts located in Denver, Colorado, and each party irrevocably consents to the personal jurisdiction and venue of such courts and waives any objection based on inconvenient forum. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY WAIVES ITS RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE MATERIALS. 12. GENERAL PROVISIONS 12.1 Severability: If any provision of this Agreement is held invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible consistent with the parties' intent, and the remaining provisions shall remain in full force and effect. If a provision cannot be so enforced, it shall be severed and the remainder of this Agreement shall be enforced to the fullest extent permitted by law. 12.2 Waiver: E&F's failure to enforce any provision of this Agreement is not a waiver of that provision or any other provision. No waiver by E&F is effective unless made in a writing signed by an authorized representative of E&F, and no waiver of any breach constitutes a waiver of any subsequent breach. 12.3 Assignment: You may not assign or transfer this Agreement or any rights or obligations under it without E&F's prior written consent, and any attempted assignment in violation of this Section is void. E&F may freely assign this Agreement, including to a successor or affiliate. 12.4 Entire Agreement: This Agreement constitutes the entire agreement between you and E&F with respect to the Materials and supersedes all prior or contemporaneous agreements, communications, and understandings, whether oral or written, relating to that subject matter. This Agreement does not supersede any separate written agreement signed by both you and E&F, which will control to the extent of any conflict. 12.5 Modifications: E&F may modify this Agreement at any time by posting an updated version at https://www.efgroupinc.com/LICENSE.txt with an updated "Last Updated" date. Your continued access to or use of the Materials after any such posting constitutes your acceptance of the modified Agreement. 12.6 Notices: Notices to E&F must be sent by email to mehmet@efgroupinc.com. E&F may provide notices to you by posting on the Site or, if you have provided contact information, by email. 12.7 Export and Sanctions Compliance: You represent that you are not located in, organized under the laws of, or a resident or national of any country or region subject to comprehensive U.S. sanctions, and that you are not on any U.S. government restricted-party list. You shall comply with all applicable export control and sanctions laws in connection with the Materials. 12.8 No Third-Party Beneficiaries: This Agreement does not confer any rights or remedies on any person other than you and E&F. Section 2 is included for clarification of the scope of E&F's ownership claims and does not create any enforceable rights in favor of any third party under this Agreement; the rights of the owners of Third-Party Components arise under their own licenses and applicable law, not under this Agreement. ======================================================================= THIRD-PARTY NOTICES ======================================================================= The following third-party components are included in or served with the Materials. Each is provided under its own license terms, reproduced or referenced below. These components are not owned by E&F, and this Agreement does not restrict any rights granted by their licenses. ----------------------------------------------------------------------- 1. Three.js (assets/js/three.min.js) ----------------------------------------------------------------------- Copyright 2010-2021 Three.js Authors https://threejs.org/ Licensed under the MIT License: Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions: The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software. THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. ----------------------------------------------------------------------- 2. Geist Sans font family (assets/fonts/) ----------------------------------------------------------------------- Copyright (c) 2023 Vercel, in collaboration with basement.studio https://vercel.com/font Licensed under the SIL Open Font License, Version 1.1, the full text of which is reproduced below. ----------------------------------------------------------------------- SIL OPEN FONT LICENSE Version 1.1 - 26 February 2007 ----------------------------------------------------------------------- PREAMBLE The goals of the Open Font License (OFL) are to stimulate worldwide development of collaborative font projects, to support the font creation efforts of academic and linguistic communities, and to provide a free and open framework in which fonts may be shared and improved in partnership with others. The OFL allows the licensed fonts to be used, studied, modified and redistributed freely as long as they are not sold by themselves. The fonts, including any derivative works, can be bundled, embedded, redistributed and/or sold with any software provided that any reserved names are not used by derivative works. The fonts and derivatives, however, cannot be released under any other type of license. The requirement for fonts to remain under this license does not apply to any document created using the fonts or their derivatives. DEFINITIONS "Font Software" refers to the set of files released by the Copyright Holder(s) under this license and clearly marked as such. This may include source files, build scripts and documentation. "Reserved Font Name" refers to any names specified as such after the copyright statement(s). "Original Version" refers to the collection of Font Software components as distributed by the Copyright Holder(s). "Modified Version" refers to any derivative made by adding to, deleting, or substituting -- in part or in whole -- any of the components of the Original Version, by changing formats or by porting the Font Software to a new environment. "Author" refers to any designer, engineer, programmer, technical writer or other person who contributed to the Font Software. PERMISSION & CONDITIONS Permission is hereby granted, free of charge, to any person obtaining a copy of the Font Software, to use, study, copy, merge, embed, modify, redistribute, and sell modified and unmodified copies of the Font Software, subject to the following conditions: 1) Neither the Font Software nor any of its individual components, in Original or Modified Versions, may be sold by itself. 2) Original or Modified Versions of the Font Software may be bundled, redistributed and/or sold with any software, provided that each copy contains the above copyright notice and this license. These can be included either as stand-alone text files, human-readable headers or in the appropriate machine-readable metadata fields within text or binary files as long as those fields can be easily viewed by the user. 3) No Modified Version of the Font Software may use the Reserved Font Name(s) unless explicit written permission is granted by the corresponding Copyright Holder. This restriction only applies to the primary font name as presented to the users. 4) The name(s) of the Copyright Holder(s) or the Author(s) of the Font Software shall not be used to promote, endorse or advertise any Modified Version, except to acknowledge the contribution(s) of the Copyright Holder(s) and the Author(s) or with their explicit written permission. 5) The Font Software, modified or unmodified, in part or in whole, must be distributed entirely under this license, and must not be distributed under any other license. The requirement for fonts to remain under this license does not apply to any document created using the Font Software. TERMINATION This license becomes null and void if any of the above conditions are not met. DISCLAIMER THE FONT SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT OF COPYRIGHT, PATENT, TRADEMARK, OR OTHER RIGHT. IN NO EVENT SHALL THE COPYRIGHT HOLDER BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, INCLUDING ANY GENERAL, SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF THE USE OR INABILITY TO USE THE FONT SOFTWARE OR FROM OTHER DEALINGS IN THE FONT SOFTWARE. ======================================================================= For questions about this Agreement or to request permissions beyond the scope of this Agreement, contact: mehmet@efgroupinc.com