Disclaimer

This service is provided by IdealRatings (IdealRatings, Inc.) to clients of Amana Wealth Management. By accessing this web site located at amana.idealratings.com, you are indicating that you have read, acknowledge and consent to be bound by the terms of use of the web site. If you do not agree to the terms of use, do not access this web site. Amana Wealth Management reserves the right to change the terms of use and you are responsible for regularly reviewing the terms of use of the web site. Your continued use of this web site constitutes your agreement to all such terms of use. Your use of this web site may be monitored by Amana Wealth Management / IdealRatings, and the resultant information may be used by Amana Wealth Management for its internal business purposes or in accordance with the rules of any applicable regulatory organization.

Information Made Available Through This Service

Unauthorized use of Amana Wealth Management web site and systems, including, but not limited to, unauthorized entry into Amana Wealth Management systems, misuse of passwords or misuse of any other information, is strictly prohibited.

The information and materials on this web site may contain typographical errors or inaccuracies. Amana Wealth Management reserves the right, in its sole discretion, without any obligation and without any notice requirement and for any reason, to change, improve or correct the information and materials on this web site and to suspend and/or deny access to this web site or portions thereof for scheduled or unscheduled maintenance, upgrades, improvements, corrections or otherwise. Any dated information is published as of its date only, and Amana Wealth Management does not undertake any obligation or responsibility to update or amend any such information. Amana Wealth Management may discontinue or change any product, service, information or material described in or offered on this web site at any time.

The terms of use of the web site are not intended to, and will not, transfer or grant any rights in or to the information or material available on the web site other than those which are specifically described herein, and all rights not expressly granted herein are reserved by Amana Wealth Management or the third party providers from whom Amana Wealth Management has obtained the information or materials.

You agree that you will not engage in any activities related to this web site that are contrary to applicable laws or regulations.

Disclaimer of Warranties

NO WARRANTY AS TO CONTENT: THE SERVICE IS PROVIDED TO LICENSEE "AS IS" AND NEITHER AMANA WEALTH MANAGEMENT, ANY OF ITS OR THEIR DIRECT OR INDIRECT INFORMATION PROVIDERS NOR ANY THIRD PARTY INVOLVED IN, OR RELATED TO, COMPILING, COMPUTING OR CREATING THE SERVICE (COLLECTIVELY, THE "AMANA WEALTH MANAGEMENT PARTIES") MAKES ANY REPRESENTATION OR WARRANTY OF ANY KIND TO LICENSEE OR ANY THIRD PARTY, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO THE SERVICE, THE TIMELINESS THEREOF, THE RESULTS TO BE OBTAINED BY THE USE THEREOF OR ANY OTHER MATTER. FURTHER, THE AMANA WEALTH MANAGEMENT PARTIES EXPRESSLY DISCLAIM, AND LICENSEE WAIVES, ANY AND ALL IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF ORIGINALITY, ACCURACY, COMPLETENESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTY AS TO SECURITY: AMANA WEALTH MANAGEMENT WILL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE THAT COULD RESULT FROM INTERCEPTION BY THIRD PARTIES OF ANY INFORMATION MADE AVAILABLE TO YOU VIA THIS WEB SITE.

Limitation of Liability

No Liability for Content; No Liability Arising from Use: Amana Wealth Management cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither Amana Wealth Management, nor any of its subsidiaries, directors, officers or employees, nor any third-party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this web site, or resulting from the act or omission of any other party involved in making this web site, the data contained herein or the products or services offered on this web site available to you, or from any other cause relating to your access to, inability to access, or use of the web site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of Amana Wealth Management or of any vendor providing software or services. In no event will Amana Wealth Management or any such parties be liable to you for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if Amana Wealth Management or any other such party has been advised of the possibility thereof.

This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user's equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your Internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure.

System Outages, Slowdowns, and Capacity Limitations

As a result of high Internet traffic, transmission problems, systems capacity limitations, and other problems, you may, at times, experience difficulty accessing the web site or communicating with Amana Wealth Management through the Internet or other electronic or wireless services. Any computer system or other electronic device, whether it is yours, an Internet service provider's or Amana Wealth Management, can experience unanticipated outages or slowdowns, or have capacity limitations. Amana Wealth Management cannot and does not guarantee continuous, uninterrupted or secure access to the web site.

Proprietary Rights

All right, title and interest in this web site and all content contained herein is the exclusive property of Amana Wealth Management, except as otherwise stated. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in whole or in part any information, software, products or services obtained from this web site, except for the purposes expressly provided herein, without Amana Wealth Management prior written approval. If you download any information or software from this web site, you agree that you will not remove or obscure any copyright or other notices or legends contained therein.

Amana Wealth Management, all other marks and logos used on the web site (including the names of all Amana Wealth Management indices and products) are trademarks and service marks of Amana Wealth Management or its subsidiaries. The names of other actual companies and third-party products or services mentioned herein may be the trademarks or service marks of their respective owners. You are prohibited from using any marks for any purpose including, but not limited to, use as meta-tags on other pages or sites on the Internet without the written permission of Amana Wealth Management or such third party who may own the marks.

Publication

None of the content in the publication constitutes a solicitation, offer or recommendation by Amana Wealth Management to buy or sell any security, or represents the provision by Amana Wealth Management of investment advice or services regarding the profitability or suitability of any security or investment. The publication is not intended for use by, or distribution to, any person or entity in any jurisdiction or country where such use or distribution would be contrary to law or regulation. Accordingly, anything to the contrary herein set forth notwithstanding, Amana Wealth Management, its suppliers, agents, directors, officers, employees, representatives, successors, assigns, affiliates or subsidiaries shall not, directly or indirectly, be liable, in any way, to you or any other person for any:

(a) Inaccuracies or errors in or omissions from the publication including, but not limited to, quotes and financial data.

(b) Loss or damage arising from the use of the publication, including, but not limited to any investment decision occasioned thereby.

(c) UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, AMANA WEALTH MANAGEMENT, ITS SUPPLIERS, AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, SUCCESSORS, ASSIGNS, AFFILIATES OR SUBSIDIARIES BE LIABLE TO YOU FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES EVEN IF AMANA WEALTH MANAGEMENT HAS BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH DAMAGES, ARISING FROM THE USE OF THE PUBLICATION, INCLUDING BUT NOT LIMITED TO, LOSS OF REVENUE, OPPORTUNITY, OR ANTICIPATED PROFITS OR LOST BUSINESS.

The information contained in the publication does not purport to contain all matters relevant to any particular investment or financial instrument and all statements as to future matters are not guaranteed to be accurate. Anyone proposing to rely on or use the information contained in the publication should independently verify and check the accuracy, completeness, reliability and suitability of the information. Further, references to any financial instrument or investment product is not intended to imply that an actual trading market exists for such instrument or product.

Choice of Law

The terms of use of the web site shall be governed by and construed in accordance with the laws of the State of California, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to the terms of use of the web site shall be in an appropriate state or federal court and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have arising out of your use of the web site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of the terms of use of the web site to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the terms of use of the web site and the remainder of the terms of use shall continue in full force and effect. The terms of use constitute the terms between Amana Wealth Management and you arising out of this site and it supersedes all prior or contemporaneous communications, agreements and understandings between Amana Wealth Management and you arising out of the subject matter hereof.