Pricing – Securities prices shown may vary from actual liquidation value. Any prices shown should only be used as a general guide to actual value. Prices are received from various pricing services. However, pricing services are sometimes unable to provide timely information. Where pricing sources are not readily available, particularly on certain debt securities, estimated prices may be generated by a matrix system taking various factors into consideration. The pricing of listed options takes into account the last closing price, as well as the current bid and offer prices.

Reinvestment – The dollar amount of Mutual Fund distributions, Money Market Fund income, or dividends on their securities shown may have been reinvested into additional shares. You may or may not receive confirmations for these reinvestment transactions. However, information pertaining to these transactions which would otherwise appear on confirmations, including the time of execution and the name of the person from whom your security was purchased, will be furnished to you upon written request.

Valuation – If assets shown are valued at any time other than the “Price Date”, that Valuation Date will appear and be specially noted. The value of assets shown which are held outside of the purview of Kensington Financial Services, Inc. have been provided by you or another outside source. Some valuation information shown may have been provided to us by the issuer of the product and is reflected without inquiry or investigation.

Taxes/Legal – This material contained on this website should not be considered tax advice or legal advice. You should consult your Tax and Legal Counsel for advice and information concerning your particular situation. You should consult a Qualified Investment Advisor at Kensington Financial Services, before making any investment or insurance decisions.

Please be sure to read and understand all prospectus information provided on any mutual funds/variable annuities/variable universal life products or other investment company securities you are considering purchasing before investing any money. Please be sure to read and understand all quotation information provided on all insurance products your are considering purchasing prior to making any premium payments.

Sources – All information presented in this publication has been gathered from sources which we believe to be reliable. However, no guarantee is given or should be implied as to the accuracy of the facts and figures presented herein.

Disclaimers

INFORMATION, SERVICES, PRODUCTS, AND MATERIALS CONTAINED IN THIS SITE, INCLUDING, WITHOUT LIMITATION, TEXT, GRAPHICS, AND LINKS, ARE PROVIDED ON AN “AS IS” BASIS WITH NO WARRANTY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, KENSINGTON FINANCIAL SERVICE, INC. DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH INFORMATION, SERVICES, PRODUCTS, AND MATERIALS, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT, FREEDOM FROM COMPUTER VIRUS, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. IN ADDITION, KENSINGTON FINANCIAL SERVICES, INC. DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE VIA THIS SITE IS ACCURATE, COMPLETE OR CURRENT. BECAUSE SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, THE ABOVE LIMITATIONS MAY NOT APPLY.

Limitations of Liability

IN NO EVENT SHALL KENSINGTON FINANCIAL SERVICES, INC. BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER, EVEN IF KENSINGTON FINANCIAL SERVICES, INC. HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE, OR ANY OTHER THEORY, ARISING OUT OF OR IN CONNECTION WITH THE USE, INABILITY TO USE, OR PERFORMANCE OF THE INFORMATION, SERVICES, PRODUCTS, AND MATERIALS AVAILABLE FROM THESE SITES. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY.

If any provision of the foregoing is held to be illegal or unenforceable, then such section shall be eliminated or limited to the minimum extent necessary and the remainder (including any revised portion of the foregoing) shall remain and have full force and effect. KENSINGTON FINANCIAL SERVICES, INC. reserves the right, at any time, to modify, alter or update these policies, and you agree to be bound by such modifications, alterations, or updates.

Copyright © 2006-2009 Kensington Financial Services, New Kensington, Pennsylvania.

Reproduction of any kind without prior written permission from the publisher is prohibited.