HARBOUR TRUST & INVESTMENT MANAGEMENT COMPANY

NOTICE:
Please read the following terms and conditions carefully. They govern your use of the Harbour Trust & Investment Management Company web site (Harbour Trust). Your use of our Site constitutes your acceptance of these terms and conditions. If you do not agree to these terms and condition, please do not access the web site or any of its pages.

The terms and conditions are subject to updating at any time without prior notice. Updating may include superseding terms and condition or specific notices. You should revisit the Site to review these terms and conditions from time to time to be aware of any changes. Your continuing use of this Site constitutes your acceptance of any changes or updates, all of which take effect when posted to the Site.

Laws and Regulations
Access to and use of this Site are subject to applicable federal, state and local laws and regulations.

Copyright
All of the information on this Site, including but not limited to all text, graphics, software applications, video and audio files and photos (collectively, "Content"), and all rights in the pages and the screens displaying the pages are owned by the Harbour Trust, their affiliates or their licensors, protected by copyright under United States and foreign laws. You may print and use the Content for your personal, non-commercial use only, provided that your copies retain all copyright, trademark and other proprietary notices that appear on the original screens. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the Site or its Content for commercial or public purposes or for any other purpose not expressly permitted by this Agreement. Harbour Trust expressly prohibits use of the Content on any other web site or in a networked computer environment for any purpose, or any other redistribution or republication of the Content, including, without limitation, framing the Content within another web site without the Harbour Trust's prior written consent.

Trademarks and Service Marks
As used herein, "Harbour Trust" means The Harbour Trust & Investment Management Company and their subsidiaries and affiliates. The trademarks, service marks, logos, URLs and domain names ("Marks") appearing on the Site are the property of Harbour Trust and other third parties. Users may not use, copy, download or display any of the Marks without the prior written consent of Harbour Trust or the third party owners of such Marks.

LIMITATION OF LIABILITY
HARBOUR TRUST EXPRESSLY DISCLAIMS ANY LIABILITY, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THE USE OF OR INABILITY TO USE THIS SITE OR ANY OTHER WEB SITE LINKED TO THIS SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, OR DELAY IN OPERATION OR TRANSMISSION, ANY COMPUTER VIRUS OR ANY LINE FAILURE, EVEN IF HARBOUR TRUST IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

NO WARRANTY
ALL INFORMATION ON THE SITE, INCLUDING BUT NOT LIMITED TO GRAPHICS, TEXT AND LINKS TO OTHER SITES, IS PROVIDED "AS IS" AND "AS AVAILABLE" AND IS SUBJECT TO CHANGE WITHOUT PRIOR NOTICE. HARBOUR TRUST DOES NOT WARRANT THE QUALITY, CONDITION, ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION. HARBOUR TRUST EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION WHICH IS PROVIDED WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND FREEDOM FROM COMPUTER VIRUSES OR SIMILAR DISABLING DEVICES. YOU ARE RESPONSIBLE FOR EVALUATING THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, ADVICE OR OTHER CONTENT AVAILABLE ON THE SITE. OTHER THAN AS REQUIRED BY APPLICABLE CONSUMER PROTECTION LAW OR INSURANCE LAW, UNDER NO CIRCUMSTANCES WILL HARBOUR TRUST BE LIABLE FOR ANY LOSS THAT YOU INCUR AS A RESULT OF YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THE SITE.

The information and materials contained in the Site, including the product terms, conditions, and descriptions that appear, are subject to change. Unless otherwise specified, products and services are available in the United States only. Information on the Site may include references to products or services not offered in your state or country or not available for purchase over the Internet in your state or country. Such references do not imply that Harbour Trust will make those products or services available in your state or country.

Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by the Harbour Trust entity providing such products or services.

Harbour Trust may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the site, at any time. Harbour Trust may also impose limits on certain features and services or restrict your access to all or part of the Site without notice or liability. Harbour Trust may also terminate the access and usage authorization, rights and licenses given herein and, upon such termination, you shall immediately cease use of the Site and destroy all copies of site Content in your possession.

Linked Internet Sites
As a convenience to you, Harbour Trust may provide links to third party web sites, or permit third parties to link to this site. However, Harbour Trust is not responsible for the content of any other web sites linked to the Site. A link to or from a other site does not imply an affiliation between Harbour Trust and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this Site is at your own risk and Harbour Trust assumes no obligation or liability in connection therewith. Harbour Trust may cancel any link at any time and will remove any link from this Site at the third party site owner’s request. Harbour Trust does not permit others to create links to its Site without entering into a license agreement or obtaining our prior written consent.

Security
For certain types of communications through this Site, Harbour Trust may require the use of encryption technologies provided for your protection and/or require you to use user identification information ("userIDs") and passwords. You are responsible to protect your userIDs and passwords from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies. While Harbour Trust may provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is 100% secure, or that such transmissions will be free from delay, interruption, interception or error.

International Users And Choice Of Law
This Site is controlled, operated and administered by Harbour Trust from offices within the United States of America. Harbour Trust makes no representation that materials at this Site are appropriate or available for use at other Filenames outside of the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the materials in violation of U.S. export laws and regulations. If you access this Site from locations outside of the United States, you are responsible for compliance with all local laws. This Usage Agreement shall be governed by the laws of the United States and of the State of Connecticut, without giving effect to its conflict of laws provisions.

This Agreement constitutes the entire agreement between Harbour Trust and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.

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