TERMS AND CONDITIONS OF USE

www.kimballcross.com

USAGE LIMITATIONS

The contents of this Web site are copyrighted under United States law and protected by worldwide copyright laws and treaty provisions. Materials from the site may not be copied, distributed or transmitted in any way without prior written concern of Kimball & Cross. Users of the site may download one copy of the materials on this site for personal, non-commercial use provided that they do not modify the materials in any way, nor delete or change any copyright or trademark notice. All material on this site shall be used for lawful purposes only. Kimball & Cross reserves complete title and full intellectual property rights for materials downloaded from the site.

The copyright notice is not intended to discourage anyone from creating a link to the resource in the Web page set or in a Web browser with a bookmark.

INFORMATION SUBMITTED TO www.kimballcross.com

Any information, including but not limited to remarks, suggestions, ideas, graphics or other submissions, communicated to Kimball and Cross through this site is the exclusive property of Kimball & Cross. Kimball & Cross is entitled to use any information submitted for any purpose without restriction or compensation to the person sending the submission.

The user acknowledges the originality of any submission communicated to Kimball & Cross and accepts the responsibility for its accuracy, appropriateness and legality.

Orders to buy or sell securities can not be placed, nor will they be accepted, via electronic mail.

LIABILITY RESTRICTIONS

Kimball & Cross is not responsible for technical, hardware or software failures of any kind; lost or unavailable network connections; incomplete, garbled or delayed computer transmissions. Under no circumstances will Kimball & Cross or its suppliers be liable for any damages or injury that result from the use of the materials on this site. Some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, in which case the above limitations may not apply to you.

The materials on this site are provided "as is" and without warranties of any kind to the fullest extent permissible pursuant to applicable laws.

Kimball & Cross may provide links to other sites that are not maintained by Kimball & Cross. Kimball & Cross does not endorse those sites and is not responsible for the content of such other sites.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

PROTECTION OF INFORMATION

At Kimball & Cross, your trust is important to us and we constantly strive to protect your confidential information. Refer to our Privacy section for information on the use of customer information.

ENFORCEMENT OF TERMS AND CONDITIONS

These terms and conditions are governed and interpreted pursuant to the laws of the Commonwealth of Massachusetts, United States of America, notwithstanding any principles of conflicts of law. If any part of these terms and conditions is unlawful, void or unenforceability of remaining provisions. Kimball & Cross may revise these terms and conditions at any time by updating this posting.