The client who registers for a Baird Online account recognizes the benefit of convenient access to account information and other additional tools provided by Baird at any time of the day or night, and wishes to have access to such information via the Internet for so long as Baird elects to provide it.

The Client recognizes that there are inherent security limitations in all communications over the Internet, yet considers that risk acceptable in exchange for such access to account information over the Internet.