KMR Financial Group, Inc., (“KMR” or “We” or “Us”, as the context may dictate) only provides this World Wide Web (“Web”) site – which constitutes all pages appearing herein – (the “Site”) to Users and Viewers (“You” or “Your” as may be appropriate) for informational purposes.

You acknowledge and agree to be bound by the Term of Use (the “Terms”) of this Site and all applicable laws and regulations, by your accessing this Site. You further agree that compliance with any applicable local or international laws is your responsibility. WE DO NOT REPRESENT OR WARRANT THAT THE INFORMATION CONTAINED IN THIS SITE IS APPROPRIATE FOR JURISDICTIONS OUTSIDE OF THE UNITED STATES. If the information and materials in this Site do not conform to the local laws of the jurisdiction in which you access this Site, the information is not meant for you. Should you not agree with any of these Terms, you are prohibited from using or accessing this Site. The information in this Site is protected by applicable copyright and trademark law, as indicated.

License

We grant permission to you to temporarily download one (1) copy of the information – whether information or software – contained in this Site (the “Material”) for personal, non-commercial viewing only. This permission is the grant of a license, not a transfer of title, and under this license you may not:

- copy or alter the Material;

- use the Material for any commercial purpose, or for any public display (whether commercial or non-commercial);

- attempt to decompile or reverse engineer any Material contained in this Site;

- remove any copyright or other proprietary notations from the Material; or

- transfer the Material to another person or “mirror” the materials on any other server.

Should you violate any of the above listed restrictions, this license shall automatically terminate, or may be terminated by us at any time. You must destroy any Material downloaded (whether in electronic or print form) by you from this Site upon terminating your viewing of the Materials or upon the termination of this license. Any distribution, republishing, posting, or transmittal of any or all material on this Site requires our prior, written consent.

Confidential Information

Certain Material on this Site is password-restricted and available only to clients and investment personnel who have received passwords issued to them by KMR. Such restricted material is confidential and proprietary information of KMR. Password holders may not transfer a password to another party. KMR authorizes proper password holders to download, copy, and use the restricted material only according to the above described license. Passwords are the property of KMR and may be revoked or changed at any time without notice or obligation to the password holder, if the password holder does not comply with these Terms.

Electronic Mail (E-mail)

E-mail submitted through this website must not be considered either secure or confidential, because the Web through which it travels is not a secure medium. KMR does not guarantee that it will receive e-mail submissions.

DISCLAIMER

THE MATERIAL IN THIS SITE IS PROVIDED “AS IS”. WE MAKE NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, AND HEREBY DISCLAIM AND NEGATE ALL OTHER WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR OTHER VIOLATION OF RIGHTS. WE FURTHER DO NOT WARRANT OR MAKE ANY REPRESENTATION CONCERNING THE ACCURACY, LIKELY RESULTS, OR RELIABILITY OF THE USE OF THE MATERIAL IN THIS SITE OR OTHERWISE RELATING TO SUCH MATERIALS OR IN ANY SITES LINKED TO THIS SITE.

Limitations

To the fullest extent under applicable law, you acknowledge and agree that neither KMR nor any entities with which KMR does business shall be liable for any direct, indirect, special, incidental, consequential, such as damages for loss of data or profit, or damages due to business interruption, or punitive damages, or any losses, costs or expenses of any kind (including attorney’s fees, or other fees or expenses) which may arise, directly or indirectly, through the access to, the use of, the interpretation of, or the browsing in this Site or Web sites linked in this Site, or through your downloading of any materials, text, data, images, video, or audio from this Site or Web sites linked in this Site, including but not limited to anything caused by any viruses, bugs, human action or inaction of any computer system, phone line, hardware, software or program malfunctions, or any other errors, failures or delays in computer transmissions or network connections, even if KMR or an authorized representative of KMR has been notified orally or in writing of the possibility of such damages. Decisions based on any of the Material in this Site are your sole responsibility. It further is your responsibility to take precautions to ensure that whatever you select from the Web for your use is free of viruses, worms, trojan horses, and other items of a destructive nature.

Changes and Accuracies of the Material

The Material appearing in this Site may include technical, typographical, or photographic errors. You acknowledge and agree that while we try to take reasonable efforts to ensure that the Material on this Site is correct, we do not guarantee the accuracy of the Material. WE DO NOT WARRANT OR REPRESENT THAT ANY OF THE MATERIALS IN THIS SITE ARE ACCURATE, COMPLETE, OR CURRENT. We may make changes to the Material contained in this Site at any time, without notice or obligation to you. We do not make, however, any commitment to update the materials.

Hyperlinks

We have not reviewed all of the sites linked to this Site and are not responsible for the contents of any such linked Web site. Our inclusion of any such linked Web site does not directly or indirectly imply any approval, association, sponsorship, endorsement, or affiliation with such linked Web site, its owners, or its providers, unless specifically stated in this Site. Your use of any such linked Web site is at your own risk.

Modifications to these Terms

We may revise these Terms at any time, without notice or obligation to you. Your use of this Site constitutes your agreement to be bound by the then current version of these Terms.

Governing Law

Any claim relating to your use of this Site shall be governed by the laws of the State of Texas. You also agree and hereby consent to the exclusive personal jurisdiction and venue of the District Court of the State of Texas, County of Midland, with respect to any such claim.

Our Rights

KMR reserves all rights afforded it by the laws of the state of Texas, and of the United States. KMR specifically reserves any rights, claims, or defenses for any misstatement or omission in the contents of these Terms and notice, if any, to you thereof.

Construction

The appearance of the term “include” or “including” shall be deemed to be followed by “without limitation”. The word “or” shall be deemed not to be exclusive. The lowercase pronouns “we”, “us”, “our”, “you”, or “your” each shall be deemed to represent their respective capitalized pronouns as defined in these Terms.