This web site is owned and operated by The Ascent Group. You may use www.ascent-investment.com only if you
agree, without modification, to these terms and conditions ("Terms"). Please read the Terms carefully before
continuing. By using this web site you signify acceptance of our Terms. The terms "Ascent web site" and this
"web site" mean the web site having a Uniform Resource Locator (or URL) of www.ascent-investment.com and
any other web site owned, operated, licensed, or controlled by Ascent. You may use your browser to
download or print out a copy of these Terms for your records.
1. No Investment Advice or Recommendations
The Ascent web site and its content are provided as a public service to Ascent clients and are for information
and education purposes only. None of the information provided through this web site constitutes investment
advice, and the views expressed should not be taken as advice to buy or sell any security. Decisions based
on information contained provided through this web site are your sole responsibility and at your own risk.
Nothing on this web site shall be considered a solicitation or offer to buy or sell any security, future, option
or other financial instrument or to offer or provide any investment, tax, financial or legal advice or service to
any person in any jurisdiction. Any overviews provided through this web site are intended to be general in
nature. While intended to be helpful, these overviews are no substitute for professional tax, financial or legal
advice. Investors should seek such professional advice for their particular situation.
If you wish to obtain further details about any information contained through this web site, please Contact Us.
The views expressed on this web site were prepared by Ascent based upon the information available at the
time such views were written. Changed or additional information could cause such views to change.
2. Jurisdictional Issues and Applicable Law
Unless otherwise specified, Ascent controls and operates this site from our offices within New Jersey, United
States of America. The services and products described and information provided through this Web site are
not intended for distribution to, or use by, any person in any country or any jurisdiction where such
distribution or use would be contrary to law or regulation or that would subject Ascent or any of its affiliated
persons to any registration requirement within such jurisdiction or country. Persons who access this site do
so on their own initiative, and are responsible for compliance with applicable local laws or regulations.
The laws of the State of New York and applicable U.S. federal law shall govern these Terms. If you take legal
action relating to these terms, you agree to file such action only in state court in New York State and you
consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action.
3. Modification of Web Site
Ascent reserves the right, at our discretion, to change these Terms and the contents of this web site at any
time and without notice. We suggest that you review these Terms periodically for changes. The Terms can
be accessed from links on the home page and other pages of the Ascent web site. If you use this web site
after we post changes to these Terms, you accept the changed terms. Ascent and its affiliates may also offer
other services from time to time that are governed by different terms and conditions. If you have an account
with Ascent or one of its affiliates, your customer relationship is also governed by other agreements,
including your account agreement.
4. Monitoring of Web Site
Ascent expressly reserves the right to monitor any and all use of this web site. Ascent is under no obligation
to do so and assumes no responsibility or liability arising from the use of this web site.
5. Copyrights and Restrictions on Use of Materials
Ascent owns and operates this web site. All information and materials contained on the Ascent web site are
subject to copyright and/or trademark protection laws. All content and tools on this web site are owned by
Ascent, except content clearly identified with other persons, which is the property of their respective owners.
All trademarks, service marks, and trade names displayed on this web site are proprietary to Ascent, except
those clearly identified with other persons, which are the property of their respective owners.
6. Copyright Agent
Ascent respects the intellectual property rights of others, and we ask all those that access the Ascent web
site to do the same. Pursuant to Section 512(c) (2) of the Copyright Revision Act, as enacted through the
Digital Millennium Copyright Act.
Users and other web sites may not:
1. Copy, reproduce, republish, upload, post, transmit, or distribute in any way material from this web
site in any manner inconsistent with the purposes for which it is offered by Ascent to its customers,
prospective customers or members of the general public.
2. Without Ascent’s express written permission, copy, modify, or display Ascent’s name or logo, or any
text, graphic images, or other content from the Ascent web site. (To obtain express written
permission, Contact Us.)
3. Redeliver any of the pages, text, images, or other content of the Ascent web site using "framing"
technology without Ascent’s express written permission.
4. Use devices (including software) that are designed to provide repeated automated access to the
Ascent web site other than those made generally available by Ascent.
5. Include "Ascent", "Ascent Funds", any other Ascent trademark, the name of any Ascent personnel, or
any variation of any of the foregoing, as a metatag, hidden textual element, or any other indicator
that may create a false or misleading impression of affiliation, sponsorship, or endorsement between
any user and/or site and Ascent.
6. Collect or store personal data about other users of this web site.
7. Upload, email or otherwise transmit any material that contains viruses or any other computer code,
files or programs that might interrupt, limit or interfere with the functionality of any computer
software or hardware of file communications equipment that is owned, leased or used by Ascent.
8. Create a link to the Ascent web site unless the user or the operator of the other web site has
executed Ascent’s then standard agreement for the granting of permission to establish such a link.
You may Contact Us to request a copy of Ascent’s Hyperlink/Trademark Agreement.
Privacy and Security
You may not use this web site to collect or harvest personal information about other persons or otherwise
use the web site in a manner that is inconsistent with their privacy or personal data protection rights.
9. Contents of the Web Site – Disclaimer
THE MATERIALS IN THIS WEB SITE (INCLUDING ANY GRAPHICS) AND ANY MATERIALS MADE AVAILABLE
THROUGH THIS WEB SITE ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, AND ARE
PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE
FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, ASCENT DISCLAIMS ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. ASCENT
DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE
USE OF THE MATERIALS IN THIS WEB SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY,
OR OTHERWISE. THE MATERIALS IN THIS WEB SITE COULD INCLUDE TECHNICAL INACCURACIES OR
TYPOGRAPHICAL ERRORS. THESE MATERIALS COULD BECOME INACCURATE AS A RESULT OF
DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES. ASCENT UNDERTAKES NO OBLIGATION TO
MAINTAIN THE CURRENCY OF SUCH INFORMATION.
CERTAIN LINKS IN THIS WEB SITE MAY LINK YOU TO OTHER SITES ON THE WORLD WIDE WEB. THE
LINKED SITES ARE NOT UNDER THE CONTROL OF ASCENT AND ASCENT IS NOT RESPONSIBLE FOR THE
CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR
UPDATES TO SUCH SITES. ASCENT IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF
TRANSMISSION RECEIVED FROM ANY LINKED SITE. ASCENT IS PROVIDING THESE LINKS TO YOU ONLY AS
A CONVENIENCE, AND THE INCLUSION OF ANY LINK DOES NOT IMPLY A REFERRAL BY ASCENT TO, OR AN
ENDORSEMENT BY ASCENT OF, THE LINKED SITE.
10. Operation of the Web Site — Disclaimer
Ascent endeavors to maintain this web site and its operation, but is not, and cannot be, responsible for the
results of any defects that may exist in the web site or its operation. AS TO THE OPERATION OF THE WEB
SITE, ASCENT EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED,
INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE. ASCENT MAKES NO WARRANTY THAT (i) THE OPERATION OF THE WEB SITE WILL
MEET THE USER’S REQUIREMENTS; (ii) ACCESS TO THE WEB SITE WILL BE UNINTERRUPTED, TIMELY,
SECURE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR FREE OF ERRORS; (iii) THE RESULTS
THAT MAY BE OBTAINED FROM THE USE OF THE WEB SITE WILL BE ACCURATE OR RELIABLE; OR (iv)
DEFECTS WILL BE CORRECTED. YOU (AND NOT ASCENT) ASSUME THE ENTIRE COST OF ALL SERVICING,
REPAIR, OR CORRECTION THAT MAY BE NECESSARY FOR YOUR COMPUTER EQUIPMENT AND SOFTWARE AS
A RESULT OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF VISITING
THIS WEB SITE.
11. Limitation of Liability
UNDER NO CIRCUMSTANCES SHALL ASCENT BE LIABLE FOR ANY DAMAGES OR INJURY OR LOSS,
INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, THAT MAY
RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS IN THIS SITE, WHETHER IN AN
ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION
WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE IN THE WEB SITE. ASCENT SHALL NOT BE
LIABLE EVEN IF ASCENT OR AN ASCENT AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. THESE INCLUDE BUT ARE NOT LIMITED TO DAMAGES OR INJURY
CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN
OPERATION OR TRANSMISSION, LINE FAILURE OR COMPUTER VIRUS OR OTHER HARMFUL COMPONENT.
12. Limitations as to Paragraphs 9, 10 and 11
APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR
EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE
ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL ASCENT’S
TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT,
TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY
YOU, IF ANY, FOR ACCESSING THIS SITE.