Full Circle Financial Inc. provides this Web site (the "Site") for informational purposes only. By accessing the Site, you accept and agree to be bound by and comply with the terms and conditions set out herein (the "Terms and Conditions"). If you do not accept and agree to the Terms and Conditions, you should not use the Site.

Information provided on the Site (the "Information") is believed to be reliable and accurate at the time it is posted. However, Full Circle Financial Inc. does not guarantee that the Information is accurate, complete or current at all times. Such Information is provided on an "as is" and "as available" basis and Full Circle Financial Inc. does not guarantee that access to the Site will be uninterrupted, timely, secure or error free. Full Circle Financial Inc. does not make any express or implied warranties, representations, endorsements or conditions with respect to the Site or the Information, including without limitation, warranties of merchantability, operation, usefulness, completeness, reliability, fitness for a particular purpose or that no viruses or other contaminating properties will be transmitted to your computer system. It is your sole responsibility to take precautions to ensure that your computer is adequately protected from computer viruses or other destructive properties.

The Information may contain technical inaccuracies or typographical errors and may be modified at any time without notice. As such, you agree to review the Terms and Conditions regularly. Your continued access or use of the Site will constitute your acknowledgment of any modified terms and conditions and your agreement to abide and be bound by any changes to the Information or the Site.

Full Circle Financial Inc. cannot ensure the privacy and confidentiality of any communications over the Internet. As a result, Full Circle Financial Inc. advises you to not transmit any confidential or sensitive information to Full Circle Financial Inc. over the Internet. Full Circle Financial Inc. is not responsible for any damages that may arise if you choose to transmit confidential or sensitive information via this medium.

The Information is not intended to constitute investment, financial, accounting, legal or tax advice and, should not be relied upon in that regard. As expressed above, the contents of the Site are for informational purposes only and you should consult with a professional prior to acting on any Information.

In no event will Full Circle Financial Inc. be responsible or liable to you or any other party for any direct, indirect, special, incidental, or consequential damages, or any other damages arising out of or relating to the use of, misuse of or inability to use the Site (or a Web site linked to the Site).

Without limiting the foregoing, Full Circle Financial Inc. will not be responsible or liable for any loss of revenue, profit or prospective economic advantage resulting from the use of, misuse of or inability to use the Site (or a Web site linked to the Site), even if advised of the possibility of such damages or such damages are reasonably foreseeable.

Neither the Site nor the Information constitute an offer or solicitation by Full Circle Financial Inc. to buy or sell any products or services of any kind whatsoever including, without limitation, securities or any other financial instrument of any issuer.

No endorsement or approval of any third parties or their advice, opinions, information, products or services, either by way of a link to other Web sites or otherwise, is expressed or implied by any Information.

All product and service marks are the trademarks of their respective owners. All of Full Circle Financial Inc.'s trademarks used on the Site are used under license. You may display, download or print the Information for your own personal and non-commercial purposes provided that all copyright and other proprietary notices contained on the Information are not modified or removed.

If you choose to access the Site from outside of Canada, you acknowledge that the Information is intended for use by persons resident in Canada only. Any products or services referred to on the Site are provided in accordance with local law. Your use of the Information shall occur on your own initiative and you are responsible for compliance with applicable local, national or international laws.