Thank you for visiting the website (the "Site") of Hooker & Holcombe, Inc. and
Hooker & Holcombe Retirement Services, Inc. ("The Hooker & Holcombe Companies",
or "we"). Hooker & Holcombe, Inc. is a firm of retirement plan professionals,
providing employers with actuarial, administrative and consulting services. Hooker
& Holcombe Retirement Services, Inc. is a wholly-owned subsidiary of Hooker
& Holcombe, Inc., and specializes in investment management services for retirement
plans. We maintain the Site to provide interested parties with information about
who we are and what we do. We also make available, for the convenience of plan sponsors
and participants, certain tools to be used in connection with certain retirement
benefits.
We hope that you find the Site helpful. We have established the following terms
and conditions (the "Terms and Conditions") that govern your use of the Site. The
Terms and Conditions include important legal language and definitions, so please
read them carefully. By using the Site, you agree to be bound by the Terms and Conditions
set forth herein. In addition, we suggest that you review our
Privacy Policy to learn about our policies and practices with regard to
information we collect from or about individuals to whom we provide services. We
reserve the right to make changes to the Site, the Terms and Conditions, and the
Privacy Policy at any time. We encourage you to review the Site regularly for any
updates or changes. Your continued use of the Site shall be deemed your acceptance
of any changes and the reasonableness of these standards for notice.
DISCLAIMERS AND LIMITATIONS OF LIABILITY
We may make changes to the information, tools, products and services on the Site
at any time. Although we attempt to keep the information on the Site accurate, complete,
and reasonably current, we do not represent or warrant that the content herein is
accurate, complete, or current. The content of the Site may include technical inaccuracies
or typographical errors. The information on the Site may include information provided
by third parties, which information we do not independently verify.
The material on the Site is provided for informational purposes only. The Hooker
& Holcombe Companies are not providing tax, legal or investment advice, or acting
as a fiduciary, by publishing the information contained on the Site. The information
contained on the Site is provided for informational purposes only and is not a solicitation
or offer to sell securities, nor should it be used by others in connection with
any sale, or offer for sale or solicitation of any offer to buy securities. The
information contained on the Site is not a solicitation or offer to sell products
or services. Certain information available on the Site may contain forward-looking
statements, which are subject to risks and uncertainties and speak only as of the
date on which they are made. We shall have no obligations to update or revise any
forward-looking statements.
THE INFORMATION AND MATERIALS CONTAINED ON THE SITE ARE PROVIDED "AS IS", ON AN
"AS AVAILABLE" BASIS. THE HOOKER & HOLCOMBE COMPANIES AND THEIR AGENTS AND THIRD
PARTY PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR
IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF ACCURACY, ADEQUACY OR COMPLETENESS
OF INFORMATION AND MATERIALS, TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, BUGS OR OTHER HARMFUL
COMPONENTS. THE HOOKER & HOLCOMBE COMPANIES AND THEIR AGENTS AND THIRD PARTY
PROVIDERS EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION
AND MATERIALS CONTAINED IN THE SITE.
IN NO EVENT WILL THE HOOKER & HOLCOMBE COMPANIES, OR THEIR AGENTS OR THIRD PARTY
PROVIDERS, BE LIABLE FOR ANY DAMAGES, LOSSES OR EXPENSES, INCLUDING WITHOUT LIMITATION
DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES
ARISING IN CONNECTION WITH THE SITE, USE THEREOF, OR INABILITY TO USE, BY ANY PARTY,
OR RELIANCE ON ANY INFORMATION CONTAINED HEREIN REGARDLESS OF WHETHER THE HOOKER
& HOLCOMBE COMPANIES OR SUCH AGENT OR PROVIDER IS NOTIFIED OF THE POSSIBILITY
OF SUCH DAMAGES, LOSSES OR EXPENSES.
The foregoing limitations on liability shall apply to the extent permitted by law.
INDEMNIFICATION
You agree to indemnify, defend, and hold The Hooker & Holcombe Companies and
its subsidiaries, affiliates, officers, directors, agents, partners, and employees
harmless from any and all claims, losses, liability, costs, or demands and expenses
(including, without limitation, reasonable attorneys' fees), arising from or in
connection with your use of the Site, your violation of these Terms and Conditions,
or your violation of any rights of another. This obligation will survive the termination
of these Terms and Conditions and your use of the Site.
CALCULATIONS
Portions of the Site may permit you to calculate certain estimated future values
of retirement benefits. ANY CALCULATION TOOLS ARE PROVIDED FOR ILLUSTRATIVE PURPOSES
ONLY AND SHOULD NOT BE RELIED UPON. The actual amount of any retirement benefit
will be calculated at the time of retirement (or any other relevant future event).
Actual results may vary materially from the estimates calculated on the Site. Further,
please read all relevant assumptions and limitations regarding a particular calculation
on the specific webpage that provides the calculation tool.
COPYRIGHT AND TRADEMARK
The content of the Site, including but not limited to the text and images and their
arrangement, are protected by copyright: © 2010 Hooker & Holcombe, Inc.
and Hooker & Holcombe Retirement Services, Inc. All rights reserved.
You may download or print a reasonable number of copies of the information or materials
contained on the Site only for your own personal, non-commercial use, provided that
any copy retains all copyright and other proprietary notices contained on the materials.
Any other copying, republication or redistribution, reproduction, uploading, posting,
or transmission of the materials contained on the Site (whether electronically or
otherwise), including, without limitation, linking or framing, or creating derivative
works based on the materials contained on the Site, is expressly prohibited without
our prior express written permission. As between you and us, title to, and all intellectual
property rights in, the material on the Site remain in The Hooker & Holcombe
Companies.
and 
are trademarks of The Hooker & Holcombe Companies. Other trademarks contained
on the Site are the property of their respective owners.
LINKS TO THIRD PARTY WEBSITES
The Site contains links to websites of third parties. If you click on a link to
a third party website, you will leave the Site (and our server) and be routed to
a third party website not under our control. Access to any third party website is
at your own risk, and The Hooker & Holcombe Companies are not responsible for
the accuracy or reliability of any information, data, opinions, advice or statements
made on these linked websites, or for any damage that may arise from use of such
websites. We do not make any representations or warranties whatsoever concerning
the content of third party websites. The fact that we have provided a link to a
website is NOT an endorsement, authorization, sponsorship, or affiliation by us
with respect to such website, its owners, or its providers; we are providing these
links only as a convenience to you. We have not tested any information, software,
products or services found on these websites and therefore cannot make any representations
whatsoever with respect thereto. There are risks in using any information, software,
products or services found on the Internet. We caution you to make sure that you
completely understand these risks before retrieving, using, relying upon, or purchasing
anything via the Internet. We encourage you to review the terms and conditions and
privacy policy of any third party website that you visit.
ACCESS CODES; CONSENT TO TRANSMISSION OF INFORMATION
If you obtain from us or your plan sponsor a username, password or other similar
access device ("Personal Access Device") for use of a restricted portion of the
Site, you are responsible for maintaining the confidentiality of any such Personal
Access Device and are fully responsible for all activities that occur using such
device. You agree to hold us harmless from and against any damages caused by the
unauthorized use of any Personal Access Device, unless such unauthorized use was
caused by our gross negligence or willful misconduct. You agree to immediately notify
us of any unauthorized use of any Personal Access Device or any other breach of
security.
You acknowledge that, by using a Personal Access Device, you may be able to access
certain private information about your retirement account and/or benefits. In doing
so, you may be transmitting personal information. By using the Site to gain access
to your personal information, you consent to the transmission by electronic means
of that information.
CHOICE OF LAW; VENUE
Your access to, and use of, the Site and the Terms and Conditions will be governed
by and be interpreted pursuant to the laws of the State of Connecticut, United States
of America, notwithstanding any principles of conflicts of law. The state courts
of, and the federal courts located in, the State of Connecticut shall have exclusive
jurisdiction over any cause of action arising out of or related to the content or
use of the Site or the Terms and Conditions. You consent to jurisdiction in such
courts and specifically waive any objection to such venue or jurisdiction.
SEVERABILITY
If any part of the Terms and Conditions is held to be unlawful, void, or unenforceable,
that part will be deemed severable and will not affect the validity and enforceability
of any remaining provisions.
TERMINATION
This agreement shall continue in full force and effect for so long as you use the
Site. If you no longer agree to be bound by the Terms and Conditions, you must cease
your use of the Site.
Subject to applicable law, we reserve the right to suspend or deny, in our sole
discretion, your access to all or any portion of the Site with or without notice.
You agree that any termination of your access to the Site may be effected without
prior notice and that we shall not be liable to you or any third party for any termination
of your access to the Site.
GENERAL
The Terms and Conditions constitute the entire agreement between us (you and us)
and govern your use of the Site. Our failure to exercise or enforce any right or
provision of the Terms and Conditions shall not constitute a waiver of such right
or provision. You agree that any claim or cause of action arising out of or related
to use of the Site or the Terms and Conditions must be filed within one year after
such claim or cause of action arose or be forever barred. The section headings in
the Terms and Conditions are for convenience only and have no legal or contractual
effect. You agree that no joint venture, partnership, employment, or agency relationship
exists between you and The Hooker and Holcombe Companies as a result of this agreement
or your use of the Site.