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Welcome to www.gcwinc.com This Site is owned and operated by Garhwal, Chan &Williams Inc. Please read the following Legal Notices that are the terms and conditions of use for this site (“Site”). By using this Site and the information and services available through this Site, you agree to follow and be bound by these conditions of use. If you do not agree to these conditions, do not use this Site.

Site for Information Only

The data, information, and content on this Site are for information, education, and noncommercial purposes only. Although Garhwal, Chan &Williams Inc. may provide data, information, and content relating to investment approaches and mutual funds, you should not construe any such information or other content available through this Site as legal, investment, or tax advice. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any data, information, or content on this Site before making any decisions based on such data, information, or content. In exchange for using such data, information, or content, you agree not to hold Garhwal, Chan &Williams Inc. or its third party content providers liable for any possible claim for damages arising from any decision you make based on information made available to you through this Site. By providing access to other websites, neither Garhwal, Chan &Williams Inc. nor any of its affiliates, officers, principals, employees is recommending or endorsing services provided by any website’s sponsoring organization. Materials relating to any investment product discussed on this site should be read in conjunction with a fund prospectus that describes charges, expenses, and risks. Read it carefully before any investment. Past performance is no guarantee of future performance.

License and Site Access

Garhwal, Chan &Williams Inc. hereby grants you a limited, nonexclusive, nontransferable license to view, bookmark, download, and print the pages within this Site and the documents, graphics, and media incorporated on those pages. The pages within this Site may be used solely for personal, informational, and noncommercial purposes. You may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any pages, data, information, software, products, or services obtained from this Site, unless you have obtained the prior written permission of Garhwal, Chan &Williams Inc. or you are using a service available through this Site. All rights not expressly granted herein are reserved by Garhwal, Chan &Williams Inc. Garhwal, Chan &Williams Inc. expressly reserves the right to monitor any and all use of this Site.

Linking

Garhwal, Chan &Williams Inc. has not reviewed or authorized any sites linking to this Site. We do not take responsibility for any websites linking to this Site or any links from this Site. Following links from and to this Site is at your own risk.

Termination

The rights granted to you herein terminate immediately upon any violation by you of these terms of use. Garhwal, Chan &Williams Inc. reserves the right to terminate your access to this Site at any time, without notice, for any reason whatsoever. You agree that Garhwal, Chan &Williams Inc. shall not be liable to you or any third party for any termination of your access to this Site.

Disclaimers and Limitations of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THIS SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULL EXTENT PERMITTED UNDER APPLICABLE LAW, GARHWAL, CHAN &WILLIAMS INC. EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. GARHWAL, CHAN &WILLIAMS INC. MAKES NO WARRANTY THAT: THIS SITE WILL MEET YOUR REQUIREMENTS; THIS SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF VIRUSES, ERRORS, WORMS, DATE BOMBS, TIME BOMBS, OR OTHER HARMFUL COMPONENTS; THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE WILL BE ACCURATE OR RELIABLE; THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THIS SITE WILL MEET YOUR EXPECTATIONS; ANY ERRORS ON THIS SITE WILL BE CORRECTED; AND THE DATA AND MATERIALS PRESENTED OR DISPLAYED ON THIS SITE ARE CORRECT, ACCURATE, OR RELIABLE.

ANY CONTENT OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS SITE IS DONE AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH CONTENT.

NO ADVICE OR INFORMATION, WHETHER WRITTEN OR ORAL, WHETHER OBTAINED BY YOU FROM GARHWAL, CHAN & WILLIAMS INC., FROM A GARHWAL, CHAN & WILLIAMS INC. EMPLOYEE OR AGENT, OR THROUGH OR FROM THIS SITE, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF USE. GARHWAL, CHAN & WILLIAMS INC. WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF GARHWAL, CHAN & WILLIAMS INC. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM ANY MATTER RELATING TO THIS SITE.

Integration

If any provision of these Legal Notices is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severed and will not affect the validity and enforceability of the remaining provisions. These Legal Notices represent the entire agreement between Garhwal, Chan & Williams Inc. and the user relating to the subject matter herein.

Choice of Law

Garhwal, Chan &Williams Inc. controls and operates this Site from our offices within the state of California, United States of America. By visiting this Site, you agree that the laws of the state of California, United States of America, without regard to principles of conflict of laws, will govern these conditions of use and any dispute of any sort that might arise between you and Garhwal, Chan &Williams Inc. arising from your use of this Site.

Modifications

Garhwal, Chan &Williams Inc. reserves the right, at its discretion, to modify these conditions of use at any time, and any such modification will be effective immediately upon posting the modification. If you use this Site after we post modifications to this Site, then you will be bound by such modifications.

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