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Important Disclaimer

Disclaimers and Legal Notices Welcome to BroadhurstFinancial.com™. This Site is owned, operated by Broadhurst Financial Advisors, Inc., and certain of its subsidiaries and affiliates (collectively, "Broadhurst Financial"). Please read the following Legal Notices that are the terms and conditions of use for this site ("Site"). By using this Site and the information and services available through this Site, you agree to follow and be bound by these conditions of use. If you do not agree to these conditions, do not use this Site.

Site for Information Only The data, information and content on this Site are for information, education and noncommercial purposes only. Although Broadhurst Financial may provide data, information and content relating to investment approaches and mutual funds, you should not construe any such information or other content available through this Site as legal or tax advice. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any data, information or content on this Site before making any decisions based on such data, information or content. In exchange for using such data, information, or content, you agree not to hold Broadhurst Financial or its third party content providers liable for any possible claim for damages arising from any decision you make based on information made available to you through this Site. By providing access to other websites, neither Broadhurst Financial nor any of its affiliates is recommending or endorsing services provided by any websites' sponsoring organization. Materials relating to any funds or ETF (exchange traded fund) securities should be read in conjunction with a fund prospectus that describes charges, expenses, and risks. Read it carefully before any investment. Past performance is no guarantee of future performance.

Risks of Investing Investing entails risks, including possible loss of principal. There are special risk considerations associated with value strategy investing, international investing (including emerging markets) and small company investing. No assurances or guarantees are given regarding the performance of any investment. Returns, share price, and yield will fluctuate and redemption value may be more or less than original cost. Investment in mutual funds or ETFs are not insured or guaranteed by the US government or any other party.

Indexes

Comparative indexes are unmanaged and do not reflect the payment of advisory fees and other expenses associated with an investment in a fund. Investors cannot invest directly in an index.

Taxes

Mutual fund investors may receive taxable dividends and capital gain distributions. Your tax obligation may affect the after-tax returns realized from your investment. Please consult your tax advisor concerning your particular circumstances.

Your Account

If you maintain an account that you access via this Site, you are solely responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You agree to accept responsibility for all activities occurring under your account or password that are due to your conduct, inaction or negligence.

License and Site Access

Broadhurst Financial hereby grants you a limited, nonexclusive, nontransferable license to view, bookmark, download, and print the pages within this Site and the documents, graphics and media incorporated on those pages. The pages within this Site may be used solely for personal, informational, and noncommercial purposes. You may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any pages, data, information, software, products, or services obtained from this Site, unless you have obtained the prior written permission of Broadhurst Financial or you are using a service available through this Site. Broadhurst Financial reserves all rights not expressly granted herein. Broadhurst Financial expressly reserves the right to monitor any use of this Site.

Special Notice to Non-US Residents

Each of the investment products and services referred to on this website is intended to be made available to US residents. This website shall not be considered a solicitation or offering for any investment product or service to any person in any jurisdiction where such solicitation or offer would be unlawful. Because of the global nature of the Internet, you agree to comply with all local rules regarding online conduct, including all laws, rules, codes and regulations of the country in which you reside and the country from which you access this Site. In addition, you agree to comply with all applicable laws, rules, codes and regulations regarding the transmission of technical data exported from the United States. Linking Broadhurst Financial has not reviewed or authorized any sites linking to this Site. We do not take responsibility for any websites linking to this Site or any links from this Site. Following links from and to this Site is at your own risk.

Copyright Policy

Copyright ©2004 Broadhurst Financial Advisors, Inc. All rights reserved. All content on this Site, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code, and xml code, is the property of Broadhurst Financial and its affiliates or its suppliers, and is protected by United States and international copyright laws.

Downloading Software and Files

If you download software or files from this Site, the software-including any files or images incorporated in or generated by the software and data accompanying the software-and files (collectively, the "Files") are licensed to you by Broadhurst Financial solely for your personal, noncommercial use. However, Broadhurst Financial does not transfer title to the Files to you. You own the medium on which the Files are recorded, but Broadhurst Financial and its licensors retain full and complete title in and to the Files, including all intellectual property rights therein. You may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise reduce the Files to any other form whatsoever. Software from this Site is subject to US export controls. Software from this Site may not be downloaded or otherwise exported or re-exported outside the United States. By downloading or using any software from this Site, you represent and warrant that you are not located in, under the control of, or a national or resident of any country or territory outside the United States.

Termination

The rights granted to you herein terminate immediately upon any violation by you of these terms of use. Broadhurst Financial reserves the right to terminate your access to this Site at any time, without notice, for any reason whatsoever. You agree that Broadhurst Financial shall not be liable to you or any third party for any termination of your access to this Site.

Disclaimers and Limitations of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULL EXTENT PERMITTED UNDER APPLICABLE LAW, BROADHURST FINANCIAL EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. BROADHURST FINANCIAL MAKES NO WARRANTY THAT: THIS SITE WILL MEET YOUR REQUIREMENTS; THIS SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF VIRUSES, ERRORS, WORMS, DATE BOMBS, TIME BOMBS, OR OTHER HARMFUL COMPONENTS; THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE WILL BE ACCURATE OR RELIABLE; THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THIS SITE WILL MEET YOUR EXPECTATIONS; ANY ERRORS ON THIS SITE WILL BE CORRECTED; AND THE DATA AND MATERIALS PRESENTED OR DISPLAYED ON THIS SITE ARE CORRECT, ACCURATE, OR RELIABLE.

ANY CONTENT OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS SITE IS DONE AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH CONTENT.

NO ADVICE OR INFORMATION, WHETHER WRITTEN OR ORAL, WHETHER OBTAINED BY YOU FROM BROADHURST FINANCIAL, FROM A BROADHURST FINANCIAL EMPLOYEE OR AGENT, OR THROUGH OR FROM THIS SITE, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF USE. BROADHURST FINANCIAL WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF BROADHURST FINANCIAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM ANY MATTER RELATING TO THIS SITE.

Indemnity

You agree to indemnify, defend, and hold harmless Broadhurst Financial, its subsidiaries and affiliates, and the officers, directors, employees, and agents of Broadhurst Financial and its subsidiaries and affiliates, from and against any and all claims, liabilities, damages, losses, or expenses, including attorney's fees and costs, arising out of or in any way connected with your access to or use of this Site.

Integration

If any provision of these Legal Notices is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severed and will not affect the validity and enforceability of the remaining provisions. These Legal Notices represent the entire agreement between Broadhurst Financial and the user relating to the subject matter herein.

Choice of Law

Broadhurst Financial controls and operates this Site from our offices within the Commonwealth of Pennsylvania, United States of America. By visiting this Site, you agree that the laws of the Commonwealth of Pennsylvania, United States of America, without regard to principles of conflict of laws, will govern these conditions of use and any dispute of any sort that might arise between you and Broadhurst Financial arising from your use of this Site. The courts of the Commonwealth of Pennsylvania shall have exclusive jurisdiction to settle any dispute that may arise out of, under or in connection with these conditions and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action.

Modifications

Broadhurst Financial reserves the right, at its discretion, to modify these conditions of use at any time and any such modification will be effective immediately upon posting the modification. We suggest that you check these Legal Notices periodically for modifications. If you use this Site after we post modifications to this Site, then you will be bound by such modifications.

DISCLOSURE:

At certain places on this Broadhurst Financial Advisors, Inc. Internet site, live 'links' to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions or organizations independent of Broadhurst Financial Advisors, Inc. Broadhurst Financial Advisors, Inc. does not endorse, approve, certify, or control these external Internet addresses and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy and timeliness. Reference therein to any specific commercial product, process or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation or favoring by Broadhurst Financial Advisors, Inc. ©2004 Broadhurst Financial Advisors, Inc. All rights reserved.