CONDITIONS OF USE

By using this site, you indicate your agreement to the following conditions of use without any limitation or qualification. Please read these conditions carefully before using this site. Financial Reserve, Inc and Financial Reserve Investors, Inc may at any time revise these terms and conditions by updating these materials. You are bound by any such revisions and should therefore regularly visit this page to review the then current terms and conditions to which you are bound.

IMPORTANT CONSUMER INFORMATION

This communication is strictly intended for individuals residing in the states listed below. No offers may be made or accepted from any resident outside the specific state(s) referenced below.

An insurance agent, broker-dealer, registered representative, investment adviser, or investment advisor representative may only transact business in a state if appropriately licensed or registered. Follow-up, individualized responses to persons in a state by such a firm or individual will not be made without first complying with appropriate licensing or registration requirements.

Gregory A. Parrott holds life, variable life, and/or health insurance licenses in the states of Oregon, Washington, California, Arkansas, Colorado, Kentucky, Massachusetts, Maryland, Michigan, Montana, Pennsylvania, Tennessee, Texas, and Arizona.

Gregory also holds Securities and/or Investment Adviser licenses in Oregon, Washington, Arkansas, Alaska, Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Idaho, Indiana, Kentucky, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Montana, New Hampshire, New Jersey, Nevada, New York, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, South Dakota, and Virginia.

Steven M. Fain holds life, variable life, and/or health insurance licenses in the states of Oregon, Washington, California, Arkansas, Colorado, Kentucky, Massachusetts, Maryland, Michigan, Montana, Tennessee, Texas, and Arizona.

Steven also holds Securities and/or Investment Adviser licenses in Oregon, Washington, Arkansas, Arizona, California, Colorado, Florida, Georgia, Indiana, Kentucky, Massachusetts, Maryland, Maine, Michigan, Minnesota, Montana, New Jersey, Nevada, New York, Ohio, Oklahoma, Tennessee, Texas, South Dakota, Virginia.

Daniel J. Heck holds life, variable life, and/or health insurance licenses in the states of Oregon, Washington, California, Kentucky, Massachusetts, Michigan, Montana, and Maryland.

Daniel also holds Securities and/or Investment Adviser licenses in Oregon, Washington, California, Colorado, Florida, Indiana, Kentucky, Massachusetts, Maine, Michigan, Minnesota, Montana, New Jersey, New York, Ohio, Texas, Idaho, Missouri, and Virginia.

Brandon L. Erickson holds life, variable life, and/or health insurance licenses in the states of Oregon, Washington, Arkansas, and Pennsylvania. Brandon also holds Securities and/or Investment Adviser licenses in Oregon, Washington, Arkansas, Florida, Nevada, and Pennsylvania.

For information concerning licensing status or disciplinary history, consumers should contact their state insurance department or securities law administrator or go to the NASD.com website.

JURISDICTIONAL ISSUES

This website is controlled and operated by Financial Reserve, Inc and Financial Reserve Investors, Inc. from its offices within the State of Oregon, United States of America. Financial Reserve , Inc. makes no representation that materials on www.financialreserve.com are appropriate or available for use in any other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

NOT AN OFFER TO SELL OR A SOLICITATION TO BUY

The information contained on this website is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance, securities or other laws of the jurisdiction. Some insurance and securities products (or their underlying funds) may not be available in all jurisdictions and are generally not available for purchase outside the United States of America. In addition, any mutual funds or variable insurance products or variable annuity contracts referred to on this website may be offered and sold only to persons in the United States of America.

DISCLAIMER

The materials on this website, www.financialreserve.com are provided "AS IS" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Financial Reserve, Inc and Financial Reserve Investors, Inc. does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available, are free of viruses or other harmful components. Financial Reserve, Inc and Financial Reserve Investors, Inc. does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Financial Reserve, Inc and Financial Reserve Investors, Inc.) assume the entire cost of all necessary servicing, repair, or correction. Links to other sites can be accessed through this site. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations independent and not under control of Financial Reserve, Inc and Financial Reserve Investors, Inc. Financial Reserve, Inc and Financial Reserve Investors, Inc. does not endorse, approve or certify any information, product or service referenced or provided at such addresses. The material on this website is provided for informational purposes only and it is not intended and should not be construed as legal, tax or other professional advice. It is not a substitute for obtaining legal, tax or other professional advice from a competent, independent adviser in your jurisdiction.

LIMITATION OF LIABILITY

While Financial Reserve, Inc and Financial Reserve Investors, Inc. uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. We make no warranties or representations as to the accuracy of the materials on this website. Under no circumstances, including, but not limited to, negligence by act or omission, shall Financial Reserve, Inc and Financial Reserve Investors, Inc. or any party involved in creating, producing, or delivering this website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Financial Reserve, Inc and Financial Reserve Investors, Inc. or a Financial Reserve, Inc and Financial Reserve Investors, Inc. authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Financial Reserve, Inc and Financial Reserve Investors, Inc.'s total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this website. Financial Reserve, Inc and Financial Reserve Investors, Inc. assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS

This site is owned and operated by Financial Reserve, Inc and Financial Reserve Investors, Inc. Permission is granted to display and navigate around this website with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited. Except as otherwise permitted by Financial Reserve, Inc and Financial Reserve Investors, Inc., no materials from www.financialreserve.com or any other website owned, operated, licensed or controlled by Financial Reserve, Inc and Financial Reserve Investors, Inc. may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without Financial Reserve, Inc and Financial Reserve Investors, Inc.'s written permission. Financial Reserves, Inc. neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Financial Reserve, Inc and Financial Reserve Investors, Inc.

TRADEMARKS/SERVICE MARKS AND COPYRIGHTS

Images displayed on this website are either the property of, or used with permission by, Financial Reserve, Inc and Financial Reserve Investors, Inc. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. All trademarks, service marks, trade names, logos, and icons used by Financial Reserve, Inc and Financial Reserve Investors, Inc. or any Financial Reserve, Inc and Financial Reserve Investors, Inc. affiliated companies are proprietary to Financial Reserve, Inc and Financial Reserve Investors, Inc. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this website without the written permission of Financial Reserve, Inc and Financial Reserve Investors, Inc. or such third party that may own the trademarks or service marks displayed on this website. Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Inquiries concerning use of Financial Reserve, Inc and Financial Reserve Investors, Inc.'s trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to Financial Reserve, Inc and Financial Reserve Investors, Inc., (street address, city, state, zip code), United States of America. Any communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions, will not be treated as confidential nor as proprietary and will become the property of Financial Reserve, Inc and Financial Reserve Investors, Inc. or his affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Financial Investors, Inc. is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARK/SERVICE MARK NOTICES

All trademarks, service marks, trade names and logos used by Financial Reserve, Inc. and Financial Reserve Investors, Inc. or his subsidiaries are registered trademarks or service marks of Financial Reserve, Inc. and Financial Reserve Investors, Inc. We are very protective of our trademarks and service marks. All use of these marks must be with our permission. We will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, we may be entitled to collect your profits, our actual damages and, perhaps, even our attorneys' fees. We thank you for your cooperation.

PRIVACY AND CONFIDENTIALITY

Financial Reserve, Inc. and Financial Reserve Investors, Inc. shall exercise reasonable precautions to maintain the confidentiality of all information provided by you in connection with accessing this site. Because such information can be accessed through the Internet, no assurance can be given to you that this information will remain secure. Financial Reserve, Inc. and Financial Reserve Investors, Inc. may, at times, disclose such information to its employees, representatives, officers, agents or affiliates, as well as any government entity, in the conduct of its business, in order to comply with applicable rules, orders, subpoenas or other legal processes, or in order to provide information to any government agency or official requesting such information, or for any other legitimate business purpose. This site does not collect personally identifying information about individuals except when specifically and knowingly provided by such individuals.