Important Securities Disclosure
All funds listed on the Ceros Financial Services, Inc platform are offered by prospectus only. Prospectuses contain more complete information on management fees, distribution charges, and other expenses, and should be read carefully before investing or sending money. Past performance does not guarantee future results. Please remember that there is no assurance that the objective of any mutual fund will be achieved and investment return and principal value will fluctuate. Mutual fund shares, when redeemed, may be worth more or less than the original cost. Money Market Fund shares are not deposits or obligations of, or guaranteed or endorsed by, any bank. Money Market Fund shares are not federally insured or guaranteed by the U.S. Government, the Federal Deposit Insurance Corporation, the Federal Reserve Board or any other agency. Shares of Money Market Funds involve investment risks, including the possible loss of principal. An investment in any money market fund is not guaranteed by the U.S. Government and there is no assurance that a $1.00 share price will be maintained.

For more complete information about any of the funds listed on the Ceros Financial Services, Inc platform, including sales charges and expenses call or write for a free prospectus, or ask your financial consultant for a prospectus. Please read the prospectus carefully before you invest or send money. For additional information, please read the Statement of Additional Information (SAI). Each of the investment products and services referred to on this website is intended to be made available to U.S. residents only. This website shall not be considered a solicitation or offering for any investment product or service to any person where such solicitation or offer would be unlawful.

The information contained in this web site is not intended as, and is no substitute for, professional tax, financial or legal advice. Individuals should seek such professional advice for their particular situation. Ceros Financial Services, Inc does not provide tax, financial, or legal advice.

THIS SITE IS PROVIDED BY CEROS FINANCIAL SERVICES, INC ON AN "AS IS" AND "AS AVAILABLE" BASIS. CEROS FINANCIAL SERVICES, INC MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE SITE, THE INFORMATION (INCLUDING, WITHOUT LIMITATION, THE ACCURACY AND COMPLETENESS OF SUCH INFORMATION), CONTENT, MATERIALS, OR SERVICES AVAILABLE VIA THE SITE, OR THE PERFORMANCE OF ANY FUND OR INVESTMENT. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS.

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, CEROS FINANCIAL SERVICES, INC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. CEROS FINANCIAL SERVICES, INC ALSO RESERVES THE RIGHT TO ALTER THE CONTENT OF THE SITE IN ANY WAY, AT ANY TIME, FOR ANY REASON, WITHOUT PRIOR NOTIFICATION.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, NEITHER CEROS FINANCIAL SERVICES, INC NOR ITS AFFILIATES NOR ANY OF THEIR EMPLOYEES, AGENTS, DIRECTORS, EMPLOYEES, PROPRIETORS, PARTNERS, REPRESENTATIVES, SHAREHOLDERS, SERVANTS, ATTORNEYS, PREDECESSORS, SUCCESSORS AND ASSIGNS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, AND DAMAGES THAT RESULT FROM INCONVENIENCE, DELAY, OR LOSS OF USE OF THE SERVICES PROVIDED AT THE SITE) ARISING OUT OF USE OF THE SITE, THE INFORMATION OR OTHER CONTENT CONTAINED ON THE SITE, OR INVESTMENTS MADE BASED ON INFORMATION OBTAINED AT THE SITE (HOWEVER ARISING, INCLUDING NEGLIGENCE), EVEN IF CEROS FINANCIAL SERVICES, INC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. IN NO EVENT SHALL CEROS FINANCIAL SERVICES, INC AGGREGATE CUMULATIVE LIABILITY IN ANY CIRCUMSTANCES UNDER ANY CAUSE OF ACTION WHATSOEVER ARISING OUT OF OR RELATING TO YOUR USE OF THIS SITE EXCEED $50.

Encryption Technology
Ceros Financial Services, Inc policy ensures that all information traveling between our server and your browser is encrypted. The degree of encryption depends on the browser of the user. Netscape Navigator, Microsoft Internet Explorer and America Online all support 128-bit encryption (strongest security). If your browser is an older version of Netscape Navigator, for example, your browser may only support 40-bit encryption, which is not as secure.  Each browser contains an icon describing whether the connection is secure or not. If you are using Netscape Navigator 3x, a "broken" key icon depicts an insecure connection while a "whole" key icon depicts a secure connection. Netscape Communicator, Microsoft Internet Explorer, and AOL all use an "open" lock icon to depict an insecure connection and a "closed" lock icon to depict a secure connection. An additional method of determining if a page is secure is to look at the address. If the address begins with HTTPS (rather than the standard HTTP) the page is secure. It is recommended that you use Internet Explorer 7 or higher OR Firefox 3.0 or higher.

Secure Socket Layer (SSL)
Ceros Financial Services, Inc is currently using SSL to transmit secure documents. SSL is a Netscape developed technology that allows for the transfer of encrypted code from our server to your computer. It is recommended that you use Internet Explorer 7 or higher OR Firefox 3.0 or higher.

Firewalls
For additional security, Ceros Financial Services, Inc has installed firewalls that filter Internet traffic preventing the unauthorized access of personal data.

E-mail Correspondence
Ceros Financial Services, Inc. welcomes your e-mail correspondence. Our associates are available to address your general questions as well as respond to your suggestions for improvement. Internet and e-mail communications are not confidential. It is possible that information transmitted to us may be read or obtained by other parties. In an attempt to protect your privacy, our e-mail responses do not include personal account information such as social security numbers or account numbers.

Links to Other Sites
This web site provides on-going hyperlinks to a number of third-party web sites for your convenience in locating related information and services. These linked web sites are maintained by independent third parties that are not affiliated with either the Ceros Financial Services, Inc, Inc. or its affiliated companies. Neither Ceros Financial Services, Inc., nor its affiliates, have any control over the information, products, opinions, or services that appear or are supplied on these unaffiliated web sites. Accordingly, Ceros Financial Services, Inc. expressly disclaims any responsibility for the content, the accuracy of the information presented, or the quality of the products and services provided therein. Provision of an on-going hypertext link to these sites does not act as a recommendation or endorsement by Ceros Financial Services, Inc. and its affiliates either express or implied. Although Ceros Financial Services, Inc. believes the information from these organizations is reliable, it cannot, and does not, guarantee or warrant their web sites' completeness or suitability for any purpose.