NOTICE

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW.

Disclaimers & Limitation of Liability

By using this site, you agree to the terms and conditions set forth below:

This site has been established as a source of information for those who visit it. The information contained herein is not intended to be a direct solicitation and does not include full disclosure about each product. Full disclosures may be obtained by contacting any SI Trust Servicing office. Disclosure or business contracted relating to products and services contained herein are restricted to the state of Connecticut and are subject to applicable laws. SI Trust Servicing may restrict availability of certain products to residents of our regular market areas. The information contained in these pages, and the products offered by the SI Trust Servicing are subject to change. Your eligibility for particular products is subject to acceptance by SI Trust Servicing.

No warranty of any kind, express or implied, is given in conjunction with the use of this site, including but not limited to title, merchant ability, fitness for a particular purpose, and freedom from computer virus. In no event will SI Trust Servicing be liable for any damages arising in connection with this site, or the use or inability to use this site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure, even if SI Trust Servicing has been advised of the possibility of such damages.

The material on this SI Trust Servicing website is for informational purposes only, and is subject to change without notice. SI Trust Servicing's products and services are only offered in jurisdictions in which they may be lawfully offered, and are subject to the terms of a separate agreement acceptable to both parties.

Although we attempt to keep the information on this website accurate, complete, and current, we do not represent or warrant that the content herein is accurate, complete, or current. We make no commitment to update the content herein. It is your responsibility to verify any information before relying on it. The content of this website may include technical inaccuracies or typographical errors. From time to time changes are made to the content herein. We may make changes in the products and/or the services described herein at any time.

SI Trust Servicing is not providing investment advice or acting as a fiduciary by publishing the information contained in this website. The information contained in this website is provided for informational purposes only.

INVESTMENT PRODUCTS REFERENCED ON THIS WEBSITE ARE NOT OBLIGATIONS OF, ENDORSED BY OR GUARANTEED BY SI Trust Servicing, AND ARE NOT INSURED OR GUARANTEED BY THE U.S. GOVERNMENT OR THE FEDERAL DEPOSIT INSURANCE CORPORATION. SUCH PRODUCTS ARE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF PRINCIPAL.

Submissions

All information submitted to SI Trust Servicing via this website shall be deemed and remain the property of SI Trust Servicing. Except in accordance with SI Trust Servicing
' Privacy Statement, SI Trust Servicing shall be free to use, for any purpose, any ideas, concepts, know-how, techniques or other information provided by a user. SI Trust Servicing shall have no duty of confidentiality regarding information submitted, except as may agreed to by SI Trust Servicing in writing or as required by law.

Copyright & Service Mark/Trade Mark

The content of this website, including but not limited to the text and images and their arrangement, are protected by copyright: © 2001 SI Trust Servicing. All rights reserved. You may not copy the material on this website, upload, post, publish, transmit or distribute it in any way (whether electronically or otherwise) or create other works based on it, without our prior written consent. Copies made incidentally in the ordinary course of your use of this website (such as in cache memory) and a reasonable number of printed copies for your own personal use are permitted, provided you do not delete or change any copyright, trademark or other notices. Title to and all intellectual property rights in the material on this website remain in SI Trust Servicing.

SI Trust Servicing is a trademark of SI Trust Servicing Inc. Other phrases contained in this website may be either trademarks or service marks as well.

Links To Third Party Sites

There may be other links on our Web site that will enable you to access other services or features outside of our control. We are not responsible for the privacy or content of these web pages on these other sites, including if you download a file that may include a virus. If the information on any of the websites that you have reached through a link on our web site contains material that infringes on copyright you own, you may contact us as follows, pursuant to the Digital Millennium Copyright Act of 1998

We do not make any representations whatsoever concerning the content of those sites. The fact that we have provided a link to a site is NOT an endorsement, authorization, sponsorship, or affiliation by us with respect to such site, its owners, or its providers; we are providing these links only as a convenience to you. We have not tested any information, software, products or services found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software, products or services found on the Internet; and we caution you to make sure that you completely understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet.

Consent to Transmission of Information

You recognize that your use of this website or any online securities transaction system, web-based or otherwise, may involve the transmission of information that may be considered personal financial information, including but not limited to the identity and number of shares that you trade and the net dollar price for the shares. By using this website and the systems, services and products it provides, you consent to the transmission by electronic means of such information (in accordance with SI Trust Servicing's Privacy Statement); such consent shall be effective at all times that you use any such system, service or product.

Choice of Law

Your access to and use of this website and these Terms and Conditions will be governed by and be interpreted pursuant to the laws of the State of Vermont, United States of America, notwithstanding any principles of conflicts of law. The state courts of and the federal courts located in the State of Connecticut shall have exclusive jurisdiction over any cause of action arising out of or related to the content or use of this website or these terms and conditions.

Severability

If any part of these Terms and Conditions is held to be unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.