Disclaimer/Privacy: Legal Terms and Conditions

November 2, 2005

WE ASK THAT YOU READ THESE LEGAL TERMS AND CONDITIONS CAREFULLY BEFORE ACCESSING THIS SITE. ROCK POINT ADVISORS, LLC (“RPA”) PROVIDES THIS SITE AND RELATED SERVICES SUBJECT TO YOUR AGREEMENT TO AND COMPLIANCE WITH THE TERMS AND CONDITIONS SET FORTH BELOW. THUS, BY ACCESSING ANY PAGES OF THIS SITE, YOU AGREE TO BE BOUND BY THE FOLLOWING LEGAL TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THE FOLLOWING LEGAL TERMS AND CONDITIONS, DO NOT ACCESS THIS SITE, OR ANY OF ITS PAGES.

These Legal Terms and Conditions apply to all users of this internet site (“Site”).

Privacy

Any information which you provide to us through your use of this website is subject to our internet Privacy Policy, which can be viewed by clicking here. Clients of the firm will also receive our full Privacy Policy and such notices as are required by law.

Disclaimers

The information on this Site is solely for informational purposes, and should not be construed as investment advice or relied on as a recommendation to take any action.

THIS SITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY SITE-RELATED SERVICE, IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH NO REPESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT, QUIET ENJOYMENT AND QUALITY OF INFORMATION. RPA MAKES NO WARRANTY THAT THE SITES AND/OR ANY CONTENT THEREIN WILL MEET YOUR REQUIREMENTS, OR WILL BE UNINTERRUPTED, TIMELY, SECURE, CURRENT, ACCURATE, COMPLETE OR ERROR-FREE, AND YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE AND SITE-RELATED SERVICES.

RPA IS NEITHER RESPONSIBLE NOR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE, SITE-RELATED SERVICES AND/OR CONTENT OR INFORMATION CONTAINED WITHIN THE SITE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR SITE-RELATED SERVICES IS TO STOP USING THE SITE AND/OR THOSE SERVICES.

RPA attempts to ensure the integrity, accurateness and currency of the Site; however, it makes no guarantees whatsoever as to the correctness, accuracy or currency of the Site. We make no commitment to update the content on any particular schedule. In addition, it is possible that the Site could include typographical or other inaccuracies or errors, and that unauthorized additions, deletions and alterations could be made to the Site by third parties. It is your responsibility to verify any information on this Site before relying on it. In the event that an inaccuracy comes to your attention, please inform RPA so that it can be corrected.

We may make changes in the products and/or the services described in the Site at any time. In addition, we may make changes to, or suspend or discontinue, any aspect of the Site at any time, including the availability of any Site feature, database, or Content. RPA may also impose limits on certain features and services or restrict your access to part or all of the Site without notice or liability.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT RPA SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA LOSS, OR OTHER LOSSES (EVEN IF RPA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM: (i) YOUR USE OR INABILITY TO USE THE SITE, (ii) ANY LINK PROVIDED IN CONNECTION WITH THE SITE, (iii) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OF TRANSMISSION, COMPUTER VIRUS, WORM, TROJAN HORSE OR SIMILAR MATTER, OR ANY SYSTEM FAILURE, (iv) ANY UNAUTHORIZED USER OR HACKER GAINING ACCESS TO OR DAMAGING DATA, OR (v) ANY MATTER OTHERWISE RELATED TO YOUR USE OF THE SITE.

WITHOUT LIMITING THE FOREGOING, RPA AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES INCURRED AS A RESULT OF ANY CONFIDENTIAL OR OTHER INFORMATION SUBMITTED TO IT OR THEM THROUGH THIS SITE OR ANY OF ITS PAGES, OR FOR ITS TRANSMISSION OF INFORMATION OR CONFIDENTIAL INFORMATION TO ANY PERSON(S) OR ENTITY(IES) AS A RESULT OF A REQUEST FOR SUCH TRANSMISSION REASONABLY BELIEVED BY RPA OR AN AFFILIATE TO HAVE BEEN MADE BY SUCH PERSON OR ENTITY.

Links To Third-Party Sites

Certain hyperlinks to third-party websites may be provided on this Site as a convenience to the user. If you access those links, you leave our server, and those websites are not under our control. We are not responsible for the content, update, or accuracy of these sites, and we do not endorse or make any representation about the associated companies, products, or materials. If you opt to hyperlink to sites accessible through this Site, you do so entirely at your own risk.

Publications

The publications available on this Site, if any, are for informational purposes only, and should not be construed as investment advice or relied on as recommendations.

Indemnificaton

You agree to defend, indemnify and hold us, including our officers, employees, members, agents and affiliates, harmless from and against any and all claims, losses, liability costs and expenses (including but not limited to attorneys' fees) arising from your violation of these Legal Terms and Conditions, of state or federal securities laws or regulations, or of any third party's rights, including but not limited to infringement of any copyright, violation of any proprietary right and invasion of any privacy rights. This obligation will survive the termination of these Legal Terms and Conditions.

Jurisdiction

These Legal Terms and Conditions will be governed by and be interpreted pursuant to the laws of the State of Vermont, United States of America, notwithstanding any principles of conflicts of law. The state or federal courts located in the City of Burlington and County of Chittenden, Vermont, shall have exclusive jurisdiction over any cause of action arising out of or related to the content or use of this site.

Severability; Entire Agreement; Revisions

If any part of these Legal Terms and Conditions is unlawful, void, or unenforceable, that part will be (1) deemed severable and will not affect the validity and enforceability of any remaining provisions and (2) reformed by the court and enforced to the full extent lawful, valid and enforceable.

The foregoing Legal Terms and Conditions set forth the entire agreement between the user and RPA relating to the use of this site. We may revise the Legal Terms and Conditions at any time by updating this page; if we do so, we will change the date below the title of these Legal Terms and Conditions.

Privacy Policy

At Rock Point Advisors, LLC, we value your financial and personal privacy. This page sets forth our privacy policy effective as of November 2, 2005, applicable to users of this website. Any material changes to our website privacy policy will be posted on this page with a new effective date.

Anyone may use the site to get information about Rock Point Advisors, LLC. For those learning about the company through this website, there is also an opportunity to request that we contact you, in which case you would provide certain contact information as described below. Of course, we welcome a phone call from anyone wishing to speak with us who does not wish to provide personally identifiable information through this website. In addition, Rock Point Advisors, LLC has a comprehensive privacy policy applicable to its clients.

What Information Do We Collect?

Rock Point Advisors, LLC collects certain personally identifiable information through this website from individuals who decide to share the information with us so that we may contact them. That information is as follows: name, email address, mailing address, phone number, best time for contact, and any other pertinent information offered. In addition, if so desired, we may monitor the level of usage of portions of our site to determine client interest.

Do We Share Information Collected On This Website?

We do not share any personally identifiable customer information collected from users on this website with unrelated third parties (except for certain service providers as necessary to the provision of our services). Clients or customers of Rock Point Advisors, LLC will receive, in accordance with law, notice of their privacy choices.

How Do We Keep Your Personally Identifiable Information Secure?

Rock Point Advisors, LLC complies with applicable laws and industry standards with respect to the protection and security of your personally identifiable information. However, you should be aware that information may not be entirely secure while in transit to us.