LEGAL DISCLAIMER

Securities amd Investment Banking Services offered through InterOcean Securities LLC, Member FINRA/SIPC.

Investment Advisory, Portfolio Management and Financial Planning Services provided thorugh InterOcean Wealth Management LLC.

Private Equity Products offered through InterOcean Equity Partners LLC.

This service is located at the "interoceanfinancial.com" Web site (this "Site"), which is owned and operated by InterOcean Financial Group LLC ("IOFG") and its affiliates. The information on this Site is intended to furnish users with general information on IOFG, its services and other investment related matters users may find of interest. The Site is for informational purposes only and does not constitute investment advice or an offer to sell or a solicitation of an offer to buy any security.

While every effort has been made to offer current and accurate information, errors can occur. Furthermore, this Site may contain reference to certain laws and regulations. Laws and regulations will change over time and should be interpreted only in light of particular circumstances. This information is provided "as is," with no guarantees of completeness, accuracy or timeliness, and without warranties of any kind, express or implied. To the fullest extent permissible pursuant to applicable law, IOFG disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose. IOFG does not warrant that this Site, various services provided through this Site, and any information, software or other material downloaded from this Site, will be uninterrupted, error-free, or free of viruses or other harmful components.

The Site and the information available on the Site is for informational purposes only and does not constitute investment advice or an offer to sell or a solicitation of an offer to buy any security, other investment (including options and derivative instruments) or investment service which may be referred to in the Site. Not all securities, other investments or investment strategies are suitable for or are eligible to be offered to all investors. If you have any questions about any security, other investment, investment strategy or investment service, we urge you to contact us.

NO INVESTMENT ADVICE, OFFER OR SOLICITATION; SUITABILITY AND COMPLIANCE WITH LAW
Although the Site may include material about securities and other investments generally, as well as research relating to specific securities or other investments, such material and reports are not, and you should not construe them to be, an offer or solicitation of any kind whatsoever. We are not providing investment advice through the Site and we do not represent that any securities, other investment or investment strategies are suitable for you. In fact, such securities, other information or investment strategies may not be suitable for you.

You must make your own independent evaluation of the investment merits and suitability for you of any such securities or other investment or investment strategy.

Transmission or use of the Site or its Content in violation of this Agreement, or any applicable law, rule or regulation (whether of the United States or other countries), or the rights of any third party is prohibited. This includes copyrighted material, material which is defamatory, threatening, obscene, lewd and indecent, material protected by trademark, trade secret, or patent laws, or material that results in an invasion of privacy.

The information presented on this Site should not be construed as legal, tax, investment, or accounting advice. You should consult with IOFG or other professional advisors familiar with your particular factual situation for advice concerning specific matters before making any decision(s).

BLUE SKY AND FOREIGN LAWS
The Site may include Content regarding securities and other investments, some of which may not be qualified for sale in certain states or countries, and therefore, may not be offered to investors in such states or countries. None of the securities or other investments referred to in the Site is available to persons resident in any jurisdiction where such availability or distribution would be contrary to local law or regulation.

DISCLAIMERS
Although the substance of, and the information underlying the opinions and recommendations expressed in, the Content has been obtained from sources believed at the time such information is initially published to be reliable, the accuracy, timeliness and completeness of such information, the underlying data or the computations based thereon cannot be guaranteed.

We do not review, and assume no responsibility for, the Content received from, or created by, any third parties, including news, research, and other data.

We may effect transactions, including transactions contrary to any opinion or recommendation, or have positions in the securities mentioned in the Site’s Content (or options or futures contracts with respect thereto) and may also have performed investment banking services for the issuers of such securities.

We may, to the extent permitted by law, act upon or use the Content, or the research or analysis on which such Content is based, before the Content is made available on the Site.

Our employees may have positions and effect transactions in the securities of the issuers mentioned therein (or options or futures contracts with respect thereto) and may serve as directors of such issuers.

The value and income of any of the securities or financial instruments mentioned in the Site can decrease as well as increase. Past performance should not be taken as an indication of guarantee of future performance.Structured securities and many municipal securities are complex, often illiquid, instruments, typically involve a high degree of risk and are intended for sale only to sophisticated investors who are capable of understanding and assuming the risks involved.

Neither this Site nor its Content has been approved by any governmental agency or instrumentality or self-regulatory organization.

USER CODES
In connection with your use of or access to the Site, we from time to time may provide you with user names, passwords and/or other unique identifiers (“User Codes”).

The User Codes are for your personal use only.

You are responsible for the security and confidentiality of your User Codes, and agree not to disclose them to any third party, including any other employee in your organization (if applicable).

You are responsible for all information provided and any Transactions, acts or omissions that occur while your User Codes are being used. We are not responsible for any breach of security caused by your failure to maintain the confidentiality and security of your User Codes.

You agree to notify us immediately in the event of loss, theft or disclosure of any or all of your User Codes, or if you believe the confidentiality or security of any or all of your User Codes has been compromised in any way, or in the event of your learning about a possible or actual unauthorized access to and/or use of the Site.

We reserve the right to revoke or modify your User Codes at any time without prior notice.

USE OF EMAIL AND OTHER ELECTRONIC MESSAGES
You acknowledge that we strongly recommend against any use of any form of electronic mail, electronic chat or instant messenger communication, whether transmitted through the Internet, a proprietary network, a computer, a pager or another wireless device or otherwise (but not including voice communication) (collectively, “Electronic Messages”) to communicate any time sensitive or confidential information. Electronic Messages are not secure and may not be confidential. Even though one of our representatives may have communicated with you through Electronic Messages recently, such representative may not timely see any message sent through Electronic Messages. If you choose to use Electronic Messages for sending or executing orders, trades, instructions, cancellations or other time sensitive or confidential communications, you agree that InterOcean Financial Group LLC is responsible for honoring (or responding to, as the case may be) such orders, trades, instructions, cancellations or other time sensitive or confidential communications only if, as and when we have confirmed its receipt and processing of the same.

HYPERLINKS
Certain links on this Site lead to servers maintained by individuals or organizations over whom IOFG has no control. IOFG makes no representations or warranties regarding the accuracy or any other aspect of the information located on such servers. In the event you use the Site or the links included on the Site to gain access to a World Wide Web site or Internet location or source of information of any company, organization or person other than IOFG, or to any other Internet location, such other sites or locations are not under the control of IOFG and InterOcean Securities and its affiliates shall not be responsible for any information or other links found at any such World Wide Web site or Internet location or source of information, or for your use of such information. Such links are provided only as a convenience to you, and any information found at such sites has not been tested or verified. The fact that the Site provides a link to another site does not signify an endorsement of the site or its contents by IOFG. Neither IOFG nor any of their respective partners, employees or agents shall be responsible or have any liability whatsoever arising from or based on your purchase or use of goods or services through those other sites. IOFG (i) may act as a financial advisor or provide other services to the issuer, and, (ii) employees may own the securities and/or acquire or dispose of them at any time.

This Site may contain links to other sites that from time to time may contain threaded discussion groups, bulletin boards and chat rooms ("Bulletin Boards") or links to other such sites. Unless IOFG specifically is identified as the author of a message, the responsibility for any opinions, advice, statements or other information contained in any messages posted or transmitted by any third party on this Site resides solely with the author.

Except where noted otherwise, all Site contents Copyright © 2005 IntrerOcean Financial Group LLC. All rights reserved. No part of the materials on this Site, including but not limited to the text, graphics and html code, may be reproduced or transmitted in any form by any means without IOFG's written permission.