READ BEFORE CONTINUING -- YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS

FundQuest Incorporated (“FundQuest”) is pleased to provide you with the products, services, content, tools, and information on all FundQuest Sites (the term "FundQuest Sites" refers to all FundQuest web sites as well as to the content on them). Your use of FundQuest Sites is subject to the following Terms and Conditions ("Terms"). These Terms are a binding contract between you and FundQuest as well as its affiliates ("FundQuest"). By using or accessing the FundQuest Sites, you accept and agree to be bound by these Terms. Your use of FundQuest Sites is governed by the version of the Terms in effect on the date each FundQuest Site is accessed by you. FundQuest may modify these Terms at any time and without prior notice. You should review the most current version of this document by visiting FundQuest.com and clicking on the Terms and Conditions hyperlink located at the bottom of the page. These Terms are in addition to any other agreements between you and FundQuest Investments, including any customer or account agreements, and any other agreements that govern your use of products, services, content, tools, and information available on the FundQuest Sites. If you do not agree with these Terms and Conditions (as amended from time to time) or are dissatisfied with the FundQuest Sites or any other terms, conditions, rules, policies, guidelines, or practices of FundQuest, your sole and exclusive remedy is to discontinue using the FundQuest Sites.

USE OF FUNDQUEST SITES

The FundQuest Sites are intended only for your personal, non-commercial use, unless you and FundQuest have agreed otherwise in writing.

COPYRIGHT POLICY, LINKING POLICY AND TRADEMARKS

The FundQuest Sites are protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the FundQuest Sites, including any text, graphics, video, audio, software code, user interface design or logos. Unless you and FundQuest have agreed otherwise, links from another web site to a FundQuest Site must resolve to the top-level homepage of a FundQuest domain (e.g., www.fundquest.com). In order to avoid confusion if you do link from another web site to a FundQuest top-level homepage, your web site, and the link itself, may not suggest that FundQuest endorses, sponsors or is affiliated with any non-FundQuest web site, entity, service or product, and may not make use of any FundQuest trademarks or service marks other than those contained within the text of the link. All trademarks and service marks on the FundQuest Sites belong to FundQuest or an affiliate, except third-party trademarks and service marks, which are the property of their respective owners.

INFORMATION FOR FOREIGN INVESTORS

The FundQuest Sites are intended to be made available only to customers and prospective customers residing in the United States, and the information on the FundQuest sites is only for such persons. Nothing on the FundQuest Sites shall be considered a solicitation to buy or an offer to sell a security, or any other product or service, to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

THIRD PARTY CONTENT AND SITES

The FundQuest Sites include general news and information, commentary, interactive tools, quotes, research reports and data concerning the financial markets, securities and other subjects. Some of that content is supplied by companies that are not affiliated with FundQuest ("Third Party Content"). Most Third Party Content is available through framed areas or through hyperlinks to third party web sites, and its source is clearly and prominently identified. Although Third Party Content may be framed-in on the FundQuest Sites or available through a link to a third-party site, FundQuest does not prepare, edit, or endorse Third Party Content. FundQuest therefore does not guarantee its accuracy, timeliness, completeness or usefulness, and is not responsible or liable for any content, advertising, products, or other materials on or available from third party sites. You will use Third Party Content only at your own risk In order to comply with applicable laws and regulations, FundQuest may at times exclude content with respect to securities of issuers which are the subject of public offerings made available to FundQuest's customers, or otherwise.

TIMELINESS OF CONTENT

All content on the FundQuest Sites is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

PROHIBITED USES

Because all servers have limited capacity and are used by many people, do not use FundQuest Sites in any manner that could damage or overburden any FundQuest server, or any network connected to any FundQuest server. Do not use FundQuest Sites in any manner that would interfere with any other party's use of the FundQuest Sites.

MEANS OF ACCESS

The FundQuest Sites are generally intended to be viewed by a conventional web browser with a screen resolution of 640 by 480 pixels or greater. Although you may use other means to access the FundQuest Sites, be aware that the FundQuest Sites may not appear accurately through other access methods, and you use them only at your own risk. You should not access the FundQuest Sites through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices are approved or made available by FundQuest. Certain parts of the FundQuest Sites are protected by passwords or require a login. You may not obtain or attempt to obtain unauthorized access to such parts of the FundQuest sites, or to any other protected materials or information, through any means not intentionally made available by FundQuest for your specific use.

PASSWORD SECURITY AND NOTIFICATION

If you have a Personal Identification Number (PIN) for access to non-public areas of the FundQuest Sites, you are solely responsible for all activities that occur in connection with your PIN. Accordingly, you should take steps to protect the confidentiality of your PIN. Notify FundQuest immediately if you become aware of any disclosure, loss, theft or unauthorized use of your PIN.

VIRUSES

Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet you should be aware at all times of the potential for viral contamination of your system. It is your responsibility to scan all downloaded materials received over the Internet. We are not responsible or liable for any damages or loss caused by such hazards.

ELECTRONIC COMMUNICATION

When using this site, you agree that in the absence of specific agreement to the contrary, you will not use e-mail to send messages to FundQuest giving instructions about your account, including, but not limited to, any order to buy or sell any security, contract or financial instrument of any kind, to transfer funds or to transmit any other time-sensitive instructions. FundQuest will not be liable for any act or failure to act based on an e-mail message that you have sent to FundQuest. You agree to assume sole responsibility for any action taken in good faith by FundQuest. based upon any e-mail message received by FundQuest from you.

WARNING : All e-mail sent to or from this Website address will be received or otherwise recorded by the FundQuest corporate e-mail system and is subject to archival, monitoring or review by, and/or disclosure to, someone other than the recipient, including regulatory authorities.

UPLOADING OF INFORMATION

You agree to use the FundQuest web site only for lawful purposes. Specifically you agree not to do any of the following: (i) upload to or transmit on the FundQuest web site any defamatory, indecent, obscene, harassing, excessively violent or otherwise objectionable material, or any material that is, or may be, protected by copyright, without permission from the copyright owner; (ii) use the FundQuest web site to violate the legal rights (including the rights of publicity and privacy) of others; (iii) intercept or attempt to intercept electronic mail not intended for you; (iv) misrepresent an affiliation with any person or organization; (v) restrict or inhibit other Subscribers' use of the FundQuest web site; (vi) upload or otherwise transmit files that contain a virus or otherwise corrupted data; or (vii) download a file or software or include in a message any software, files or links that you know, or have reason to believe, cannot be distributed legally over the FundQuest web site or that you have a contractual obligation to keep confidential (notwithstanding its availability on the FundQuest web site).

You understand and acknowledge that you are responsible for whatever content you submit, and you, not FundQuest, have full responsibility for such content, including its legality, reliability, appropriateness. By uploading or otherwise transmitting material to any area of the FundQuest web site, you warrant that the material is your own, is in the public domain, or otherwise free of proprietary or other restrictions and that you have the right to use it, including by posting it to the FundQuest web site. In the absence of agreement to the contrary you grant to FundQuest the unrestricted right to use all such material without cost, charge or liability.

FundQuest reserves the right to remove any material which FundQuest, in its sole discretion, deems inconsistent with the foregoing commitments, including any material FundQuest has been notified, or has reason to believe, constitutes a copyright infringement. FundQuest assumes no liability for any action or inaction regarding transmissions, communications, or other content that is provided by you or others.

CONTENT

The information contained in this website has been obtained from sources believed to be reliable, but its accuracy and completeness are not guaranteed. FundQuest reserves the right at anytime and without notice to change, amend or cease publication of the information. It has been prepared for informative purposes. FundQuest may also make improvements and/or changes in the products and/or the programs described in this information at any time without notice.

News feeds, market quotes and other links on this web site are provided by independent third parties and are not guaranteed to be accurate, complete, or timely. Neither FundQuest nor independent third party providers shall have any liability, contingent or otherwise, for the accuracy, completeness, timeliness or correct sequencing of the Information, or for any decision made or action taken by you in reliance upon the Information. The news, market quotes and links provided are shown for your convenience only. Linked sites are independent and are not owned or operated by FundQuest. FundQuest does not endorse any linked sites, nor does FundQuest guarantee the timeliness, accuracy, completeness, or adequacy of any information posted on the linked sites. FundQuest does not necessarily agree with any opinion, outlook, or forecast stated on any linked site. FundQuest reserves the right to terminate, modify or change the links, news sources and market quote sources at any time without notice.

Performance data contained on this web site represents past performance and the investment return and principal value of an investment will fluctuate over time, and may be worth more or less than their original cost. Any historical performance quoted should not be viewed as representative of future performance.

NO INVESTMENT RECOMMENDATIONS OR PROFESSIONAL ADVICE

Generally, the FundQuest Sites are not intended to provide tax, legal, insurance or investment advice, and nothing on the FundQuest Sites should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by FundQuest or any third party. However, certain tools available on the FundQuest Sites may be deemed to provide general investment advice within the meaning of the securities laws based upon your personalized input. Unless otherwise specified, you alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation. Any investment decisions you may make on the basis of any information found on this web site is your sole responsibility.

FundQuest does not represent, warrant, endorse or guarantee any advertised products or services, and the identification or listing of products, services, links or other information on the FundQuest site or any linked site does not constitute or imply any sponsorship, affiliation or recommendation by FundQuest. You assume all responsibility and risk associated with the use of the FundQuest service and the Internet generally.

DISCLAIMER AND LIMITATION OF LIABILITY

THE FUNDQUEST SITE AND INFORMATION PROVIDED ON THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS. NEITHER FUNDQUEST NOR ANY PERSON ASSOCIATED WITH FUNDQUEST MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE QUALITY, ACCURACY OR AVAILABILITY OF THE FUNDQUEST SITE. SPECIFICALLY, BUT WITHOUT LIMITING THE FOREGOING, NEITHER FUNDQUEST NOR ANYONE ASSOCIATED WITH FUNDQUEST WARRANTS OR REPRESENTS THAT THE FUNDQUEST WEB SITE OR THE INFORMATION PROVIDED ON THAT WEB SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; THAT THE FUNDQUEST SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE FUNDQUEST SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. FUNDQUEST DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT. IN NO EVENT WILL FUNDQUEST OR ITS CONTRACTORS BE LIABLE FOR ANY DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE FUNDQUEST SITE OR ANY LINKED SITE, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR DAMAGES RESULTING FROM DELAY, INTERRUPTION IN SERVICE, VIRUSES, DELETION OF FILES OR ELECTRONIC COMMUNICATIONS, OR ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE FUNDQUEST WEB SITE OR THE CONTENT TRANSMITTED ON THE FUNDQUEST WEB SITE, WHETHER OR NOT THERE IS NEGLIGENCE BY FUNDQUEST AND WHETHER OR NOT FUNDQUEST HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES.

INDEMNIFICATION

You agree to indemnify and hold harmless FundQuest, its affiliates, agents, third-party information providers, merchants, licensors and others involved in the delivery of the FundQuest web site or the delivery of products, services or information over the FundQuest web site, and their respective officers, employees and directors, from and against any and all liabilities, expenses, damages, and costs, including reasonable attorney's fees, resulting from any violation by you of this Agreement or otherwise arising out of your use of the FundQuest web site.

PRIVACY; PROTECTION OF PERSONAL INFORMATION

FundQuest's use of your personal information is in accordance with our Privacy Policy posted elsewhere on this website and incorporated by reference into these Terms and Conditions.

COMMENTS AND SUBMISSIONS

FundQuest welcomes your comments. All comments, suggestions or other information sent by you to this site will become FundQuest's property, you agree that all intellectual property rights therein are transferred to FundQuest.

COMPLIANCE

This site is operated from a site in the Commonwealth of Massachusetts, USA. FundQuest makes no representation that materials in this site are appropriate or available for use in other locations. If you access this site from other locations, you are responsible for complying with local laws.

CONTACT

Please contact the FundQuest Chief Compliance Officer 617-526-7300 or e-mail to info@FundQuest.com if you become aware of any content that you believe to be in violation of these Terms and Conditions, including without limitation, claims that any content on the FundQuest web site infringes the copyright of a third party.

MISCELLANEOUS

These Terms and Conditions shall be governed in all respects by and construed in accordance with the laws of the Commonwealth of Massachusetts without regard to its conflicts of law principles. These Terms and Conditions, as they may be amended from time to time, completely and exclusively state the agreement between you and FundQuest with respect to the FundQuest web site, and no other terms that may have been communicated to you orally or in any other manner shall have any force or effect. Any cause of action you may have with respect to the FundQuest web site must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. Exclusive jurisdiction over any cause of action arising out of these Terms and Conditions or your use of the FundQuest web site shall be in the state or federal courts located in Boston, Massachusetts. You agree to submit to the jurisdiction of such courts.

If any part of these Terms and Conditions is unenforceable, the unenforceable part shall be construed to reflect, as nearly as possible, the original intentions of the parties. The other provisions of these Terms and Conditions shall remain in full force and effect.