Your use of this Web Site is subject to these terms and conditions. If you do not agree to them, do not use this site or download any materials from it. Volatus Advisors, LLC ("Volatus") reserves the right to change these terms and conditions from time to time at its sole discretion. Also, your use of any particular services in connection with this Web Site will be subject to the terms and conditions applicable to those services.

1. Copyrights and Marks. All contents of this Web Site are Copyright © 2003 Volatus Advisors, LLC. All rights reserved. Web Site contents may not be copied, reproduced, modified, published, uploaded, posted, transmitted, "framed" on another site, or distributed in any way without Volatus' prior written permission. You must retain all copyright and other proprietary notices on any authorized reproductions of any portion of this Web Site. VOLATUS ADVISORS is a service mark of Volatus Advisors, LLC. Any third party marks appearing on the Web Site are the property of their respective owners. You are not permitted to use any of these marks without the prior written consent of Volatus or such third party owner.

2. Disclaimer. Although Volatus has attempted to provide accurate information on this Web Site, it makes no guarantee or warranty, express or implied, as to the reliability, accuracy, timeliness or completeness of that information and assumes no responsibility for any errors or omissions therein. All factual or other information on or accessible through the Web Site is provided on an "AS IS, AS AVAILABLE" basis without warranty of any kind and ANY AND ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT ARE SPECIFICALLY DISCLAIMED. VOLATUS SHALL NOT BE LIABLE FOR ANY LOSS RESULTING FROM USE OF INFORMATION OR CONTENT ON THIS WEB SITE, INCLUDING BUT NOT LIMITED TO ANY LOST PROFITS, LOSS OR DAMAGE TO DATA, OR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, COMPENSATORY OR INCIDENTAL DAMAGES, EVEN IF VOLATUS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

3. Third Parties. Any mention on this Web Site of products or services provided by third parties is for informational purposes only and constitutes neither an endorsement nor a recommendation by Volatus. Volatus assumes no responsibility for those products or services. Your dealings with any third parties mentioned on or found through this Web Site are solely between you and such third party, and are subject to any terms, conditions, warranties or representations associated with such dealings.

4. Links. Links to third party web sites are provided for convenience only. Volatus is not responsible for the content of any linked sites, and the inclusion of any link does not imply endorsement by Volatus. Volatus reserves the right to terminate any link at any time. Links to this Web Site are welcome, provided that such link is to the home page (www.volatusgroup.com) only.

5. Security. You are prohibited from violating or attempting to violate the security of this Web Site. Volatus will investigate occurrences of possible violations and will cooperate with all applicable law enforcement authorities in prosecuting violators.

6. Applicable Law. Volatus makes no representation that the content of this Web Site is appropriate or available for use in all locations. Users of this Web Site are responsible for compliance with all applicable local laws. These terms and conditions are governed by the laws of the State of Indiana, U.S.A., notwithstanding any principles of conflicts of law. Any action relating to these terms and conditions must be filed and maintained in a state or federal court located in Marion County, State of Indiana, U.S.A. If any portion of these terms and conditions is found to be unenforceable for any reason, such portion will be deemed severed and will not affect the enforceability of the remaining terms and conditions.

7. Right to Change. Volatus reserves the right to change the content of this Web Site (including employment information) and these terms and conditions at any time and without prior notice. You should periodically check these terms and conditions for changes. Any use of this Web Site after changes have been made shall be deemed acceptance to those changed terms and conditions. Volatus reserves the right to monitor use of this Web Site.