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GENERAL The contents of this web site ("Materials") are provided by Manchester Financial Group, as a service to its customers and community and may be used for informational purposes only. Single copies only may be downloaded subject to the terms of this notice. By downloading any Materials from this web site (which includes accessing via web browser) you agree to these terms. If you do not agree, do not use this web site or download any Materials from it. Manchester Financial Group may modify this notice at any time, and such modifications shall be effective immediately upon posting of the modified notice.

SINGLE-COPY LICENSE You may download one copy of the Materials found on this web site for your personal, non-commercial use only. This is a license, not a transfer of title, and is subject to the following conditions: you may not modify the Materials or use them for any commercial purpose, or any public display, performance, sale, or rental; you may not remove any copyright or other proprietary notices from the Materials; you may not transfer the Materials to another person. You agree to prevent unauthorized copying of the Materials.

OWNERSHIP OF MATERIALS Materials are copyrighted and are protected by worldwide copyright laws and treaty provisions. They may not be copied, reproduced, modified, published, uploaded, posted, or transmitted or distributed in any way, without the prior written permission of Manchester Financial Group. Except as expressly provided for in this notice, Manchester Financial Group does not grant any express or implied right to you under any patents, copyrights, trademarks, or trade secret information.

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DISCLAIMER Manchester Financial Group makes no representations whatsoever about any other web site which you may access through this one. When you access a non-Manchester Financial Group web site, you understand that it is independent from Manchester Financial Group, and that Manchester Financial Group has no control over the content on that web site or over whether the site is available at all. In addition, a link to a non-Manchester Financial Group web site does not mean that Manchester Financial Group endorses or accepts any responsibility for the content, or the use, of such web site. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses and other items of a destructive nature. In addition, you understand that the Internet contains a variety of unedited and uncensored material, some of which may be sexually explicit or offensive to you. You access such materials at your own risk. You understand that Manchester Financial Group has no control over the material which other people make available via the Internet and the World Wide Web.

THE MATERIALS ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND INCLUDING WARRANTEES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, OR FITNESS FOR ANY PARTICULAR PURPOSE. IN NO EVENT SHALL GRAPHIC VISIONS BE LIABLE FOR ANY DAMAGES WHATSOEVER, (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION) ARISING OUT OF THE USE OR INABILITY TO USE THE MATERIALS, OR FROM USE OF ANY NON-GRAPHIC VISIONS HYPERLINKED WEB SITE, EVEN IF GRAPHIC VISIONS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. FURTHER, GRAPHIC VISIONS DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS (INCLUDING BUT NOT LIMITED TO THE INFORMATION, TEXT, GRAPHICS, LINKS, OR OTHER ITEMS CONTAINED WITHIN THIS WEB SITE). BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, GRAPHIC VISIONS' LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

Manchester Financial Group may make changes to the Materials, or to the Products and Services described in the Materials, at any time without notice. Manchester Financial Group makes no commitment to update the Materials. Manchester Financial Group makes no commitment to continue to provide the Materials.

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