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Gurtin Fixed Income Management, LLC is referred to in the notices that follow as “GFI” or “we” or “our.”

A. Terms and Conditions

Please read these terms and conditions carefully before using this website. Your use of this website constitutes your acceptance of these terms and conditions. The information provided on our website may change from time to time. Changes will be posted to our website. You are bound by any such revisions. Therefore, we recommend that you review our notices, policies and Form ADV periodically for changes.

B. Copyright and Trademark Notices

The information and materials provided on this website (together with all intellectual property and other rights relating thereto, collectively the “Materials”) are and will remain the sole property of GFI. The Materials and the selection, compilation, collection, arrangement and assembly thereof are protected by U.S. and international copyright, trademark and other laws, and you acknowledge that these rights are valid and enforceable. You may not copy, reproduce, republish, upload, post, transmit or distribute Materials or other content or information available on or through this website in any way without our prior written permission. The Materials may be used solely to the extent necessary for your authorized use of this website. Modification of the Materials or use of the Materials for any other purpose is a violation of our copyright and other proprietary rights, and is strictly prohibited. The trademarks, logos, and service marks displayed on this website (collectively the “Trademarks”) are the registered and unregistered trademarks of GFI. The Trademarks are solely owned by GFI, whether registered or unregistered, and may not be used in connection with any product or service that is not GFI's, or in any manner that is likely to cause confusion to the public or an actual or prospective customer, or in any manner that disparages GFI. Nothing contained on this website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Trademark without our express written permission.

C. Limitations on Services

GFI is registered with the U.S. Securities and Exchange Commission as an investment adviser. GFI provides investment advice and solicits investment advisory services in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. We operate GFI's website from our offices within the United States. The information provided on our website is intended for residents of the United States. Investors outside of the United States are subject to the securities and tax laws and regulations within their applicable jurisdictions.

The information on GFI's website is limited to dissemination of general information pertaining to our services. Accordingly, the information contained on this website does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities laws or regulations of such jurisdiction.

Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be suitable or profitable for a current or prospective client's investment portfolio. The information contained on GFI's website is not intended nor should it be construed as investment, tax, financial, accounting or legal advice. Investors should seek such professional advice for their particular circumstances.

D. Performance Information Disclaimer

Any performance information presented on this website is historical. Past performance does not guarantee nor is it indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment or investment strategy (including those undertaken or recommended by GFI), or product made reference to directly or indirectly on our website, or indirectly via link to any unaffiliated third-party website, will be profitable or equal to corresponding indicated performance levels.

E. Disclaimer of Warranty

THIS WEBSITE, THE MATERIALS AND ANY PRODUCT OR SERVICE REFERENCED OR OBTAINED THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, GFI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, ACCURACY, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE. Applicable law may not allow the exclusion of implied warranties, so the above exclusions may not apply to you. GFI DOES NOT WARRANT THAT YOUR USE OF THIS WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE, THE SERVER(S) ON WHICH THIS WEBSITE IS HOSTED IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS WEBSITE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE OR STATEMENT OF GFI, WHETHER MADE ON THIS WEBSITE OR OTHERWISE, SHALL CREATE ANY WARRANTY. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT GFI SHALL HAVE NO LIABILITY OR RESPONSIBILITY WHATSOEVER FOR (I) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THIS WEBSITE, (II) ANY BUGS, VIRUSES, WORMS, TROJAN HORSES, DEFECTS, DATE BOMBS, TIME BOMBS OR OTHER ITEMS OF A DESTRUCTIVE NATURE WHICH MAY BE TRANSMITTED TO OR THROUGH THIS WEBSITE BY ANY THIRD PARTY, AND/OR (III) ANY ERRORS, MISTAKES, INACCURACIES OR OMISSIONS IN ANY MATERIALS, OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY MATERIALS MADE AVAILABLE VIA THIS WEBSITE.

A possibility exists that this website or the Materials could include inaccuracies or errors. Additionally, a possibility exists that unauthorized alterations could be made by third parties to this website or the Materials. Although we attempt to ensure the integrity of this website, we make no guarantees as to this website's completeness or correctness.

F. Limitation of Liability

NEITHER GFI NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, CONSULTANTS, AGENTS OR OTHER REPRESENTATIVES, ARE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS), UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THIS WEBSITE AND/OR MATERIALS CONTAINED ON THIS WEBSITE OR ANY PRODUCT OR SERVICE OBTAINED THROUGH THIS WEBSITE. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS WEBSITE OR THE MATERIALS IS TO STOP USING THIS WEBSITE OR THE MATERIALS, AS APPLICABLE. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO GFI FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE) OR OTHERWISE, SHALL BE THE TOTAL AMOUNT PAID BY YOU, IF ANY, TO ACCESS THIS WEBSITE. Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

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