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LEGAL DISCLAIMER

GENERAL
The materials posted and available on this website have been prepared by Houlihan Smith & Company, Inc. and its affiliates (“Houlihan”) for informational purposes only. Any posting shall are not to be used or construed as legal or investment advice or advertising. Visitors to this website should not act upon this information without consulting their own legal counsel and/or financial advisor.

Receipt of this information does not create a client relationship with Houlihan, nor does sending an e-mail to any employee or representative of Houlihan. If you are not currently a client of Houlihan, your e-mail or other communications may not be privileged and could possibly be disclosed to other persons.

By entering this site, you acknowledge and agree to all terms and conditions stated herein. If you do not agree to these terms, do not use this site.

LINKS
Although this site may be linked to other sites, Houlihan is not, directly or indirectly, implying any approval, sponsorship, association, endorsement or affiliation with the linked site unless specifically stated therein. Houlihan has not reviewed all of the sites linked to this site and is not responsible for the content of pages owned or operated by any individual or organization other than Houlihan.

COPYRIGHT & TRADEMARK
Houlihan is the copyright and trademark owner of everything on this site, including content, names, logos, trademarks and servicemarks, and their design, selection and arrangement, unless indicated otherwise therein. No portion of this site, including but not limited to the text, audio, video or software, may be used or modified in any manner or for any purpose without the express, prior written permission of Houlihan, unless specifically provided for on the site. All authorized copies of any content must display the original copyright notice, trademark legend, author attribution or other notice placed on such content.

CONTENT
Houlihan makes all reasonable efforts to ensure that the material on this site is correct and up-to-date. Houlihan, however, cannot guarantee, and makes no warranties or representations regarding, its accuracy or timeliness.

DOWNLOADING AND USE OF MATERIALS
You assume full responsibility and risk for any damage resulting from your downloading or use of any information, software or other materials through this site.

INTERNET RISKS
You acknowledge and agree that electronic communications and databases are subject to errors, omissions, tampering and break-ins that, notwithstanding Houlihan’s implementation of reasonable security precautions, may occur. Houlihan does not guarantee or warrant that any such events will not take place. You agree to follow all access and security procedures provided by Houlihan and not attempt, nor aid or abet any other person, to circumvent or interfere with these security procedures.

CONFIDENTIALITY, PRIVACY AND USE OF VISITOR INFORMATION
Except where indicated therein, by entering this site you acknowledge and agree that anything you transmit to this site or to Houlihan through this site will not be treated as confidential or proprietary, and all such material can be used by Houlihan anywhere, anytime and for any reason. Houlihan will make all reasonable efforts to protect the privacy of information submitted through this site. Such information and communications, however, will be treated as confidential only after Houlihan has been retained as a financial advisor and this relationship has been confirmed in writing.

Houlihan reserves the right to monitor traffic by automatically recording visitors’ domain names, browser types, date and time of access, and other similar information. This data will not be associated with specific persons who browse this site, nor will we disclose any such data to third parties for that purpose. Houlihan may, now and in the future, use cookies to enhance the visitor experience, to allow the receipt of information requested by the visitor, and to generate aggregate data and conduct statistical studies.

CHANGES TO DISCLAIMERS AND POLICIES
Houlihan reserves the right to revise the Disclaimer and Policies, as well as any other information, on or of this website at any time, for any reason, without notice or obligation.

JURISDICTION
This site was created and is operated under the laws of the State of Illinois, which will govern these disclaimers and policies, without giving any effect to any principles of conflict of laws. We retain the ability to enforce our rights in any court of competent jurisdiction; however, you consent to the exclusive jurisdiction and venue of courts in Chicago, Illinois regarding any and all disputes relating to these disclaimers, policies or any part of this site.

CIRCULAR 230 DISCLOSURE
Pursuant to regulations governing practice before the Internal Revenue Service, any tax information or opinions contained herein are not intended or written to be used and cannot be used by a taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer.

AGREEMENT
By entering this website, you acknowledge and agree that you shall be bound by the terms of this website. We suggest you periodically visit this page to review any changes, revisions or updates to these policies.

FOR MORE INFORMATION
The person responsible for this website is Deborah Korkosz. Please direct any comments, questions or inquiries to dkorkosz@houlihan.com.