Terms and Conditions/Important Legal Information

The information provided on the public portion of this Web Site is provided without charge as a convenience to visitors, to be used for informational purposes only. While TimerTrac.com (TTC) has tried to provide accurate and timely information, there may be inadvertent technical or factual inaccuracies and typographical errors for which we apologize. We reserve the right to make changes and corrections at any time, without notice. The information provided on TTCs site is provided "AS IS" and "AS AVAILABLE." TTC does not warrant the accuracy of completeness of the information, text, graphics, links, or other items contained on TTC's site and expressly disclaims all liability for errors and omissions in these materials and for the use or interpretation by others of information contained on the Web Site. TTC may change information contained herein at any time and makes no commitment to update the information contained on the site. Decisions based on information contained on TTC's Web Site are the sole responsibility of the visitor, and in exchange for using TTC's site, the visitor agrees to hold harmless against any claims for damages arising from any decisions that the visitor makes based on such information. Nothing contained in this Web Site is intended to constitute individual investment advice. Visitors to this site are advised not to rely on any information contained in this site in the process of making a fully informed investment decision. TTC does not, and this site does not intend to, render tax or legal advice.

The value and income of any of the securities or financial instruments mentioned in this may fall as well as rise and a consumer may receive back less than he or she invested. Past performance is not necessarily indicative of future performance. The accuracy, completeness or timeliness of the information contained in this site cannot be guaranteed. TTC does not represent, warrant or guarantee, or assume any liability in respect of, results based on the use of the information in this site.

Product names, trademarks and service marks which may appear in this site are the property of their respective owners, and may, at times, include: Dow Jones Industrial Average, AMEX, NASDAQ, NYSE, S&P 500 and S&P Midcap.

TTC will exercise reasonable precautions to maintain the confidentiality of all information provided in connection with accessing this site. However, because such information can be accessed through the Internet, no assurance can be given that this information will remain secure. TTC may at times disclose such information to its employees, representatives, officers, agents or affiliates, as well as any governmental entity, in the conduct of its business to comply with applicable rules, orders, subpoenas or other legal processes, or in order to provide information to any government agency or official requesting such information, or for any other legitimate business purpose. This site does not collect personally identifying information about visitors to this site, except when specifically and knowingly provided by such visitors.

(1) A broker-dealer investment adviser, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's broker-dealer, investment adviser, BD agent or IA rep requirements, as the case may be; and

(2) Follow-up, individualized responses to consumers in a particular state by broker-dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's broker-dealer, investment adviser, BD agent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.

(3) for information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA rep, a consumer should contact his or her state securities law administrator.

Important Legal Information About This Web Site

The information and content of this Web site is proprietary and may not be reproduced, transferred, or distributed in any form other than for your own personal, noncommercial use.

Mutual Funds are available only in jurisdictions where they may be lawfully offered for sale. Mutual Fund investments are not insured by the FDIC. Share value and investment returns will fluctuate and shares redeemed may be more or less than the original cost. We urge you to read the prospectus, which contains important information about the funds, carefully before investing.
The information provided in this site is provided only as general information and not intended to provide legal or tax advice, and not to be considered as an offer to sell or a solicitation of an offer to buy a particular investment. The information is in summary form and is subject to change. Thus, this information is not intended to replace the advice of a qualified attorney, tax advisor, or accountant. Before making any financial commitment regarding the issues discussed here, consult with your appropriate professional adviser. This information is obtained from sources believed to be reliable, but we do not guarantee the accuracy or completeness of the information or make any warranties with regard to the results to be obtained from its use.

Material appearing on this Site may include advertising and other material submitted by parties other than TimerTrac.com, and the Site may provide links to other sites operated by advertisers and third parties.

The information contained in this site is copyrighted. You are not permitted to use or reproduce or allow anyone to use or reproduce this information without prior approval.

Revised March 2001