Terms of Use

Indemnity

You agree to defend, indemnify and hold harmless DLP and its affiliates, officers, directors, owners, operators, employees, licensors and agents, from and against any and all claims, actions, demands, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from, related to or in connection with: (i) your use of and access to the Website, including without limitation any Materials contained herein; (ii) your violation of any of these Terms of Use; and/or (iii) your violation of any third party right, including without limitation any Third Party Content or any other third party copyright, property, or privacy right in connection with your use of or access to the Website.

User Conduct

You agree to use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to:

• Use the Website in any way that violates applicable federal, state, local, or international law or regulation;
• Attempt to gain unauthorized access to any portion of the Website, other accounts, computer systems, or networks connected to the Website;
• Interfere with or disrupt the operation of the Website or the servers or networks used to make the Website available;
• Use any robot, spider, or other automatic device or manual process to monitor, copy, or scrape content from the Website without our prior written consent;
• Transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature;
• Impersonate or attempt to impersonate DLP Capital, its employees, other users, or any other person or entity.

DLP Capital reserves the right to take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Website.

Email Disclaimer

Important Information

Please read the following carefully as it contains the conditions governing any electronic communications between you and White Coat Planners. By messaging with the firm and its affiliates, you agree to these terms and conditions of use. The firm and its affiliates may amend these terms and conditions without notice. You should check this webpage from time to time to review the current terms and conditions because they are binding on you and if applicable, your organization.

Unless otherwise specifically indicated the contents of any electronic communication (including e-mail, instant messaging, text messaging etc.) and its attachments are for informational purposes only and should not be regarded as an offer to buy or sell securities, futures, options, investment products or other financial products or services; as an official confirmation of any transaction, an official valuation or an official statement of the firm and its affiliates. Attachments that are part of an electronic communication may have additional important disclosures and disclaimers, which you should read.

• Electronic Communications & Privileged Information
• Do Not Send Sensitive Information Electronically
• Information Subject to Change
• Archiving & Monitoring Electronic Communications
• Electronic Communications Does Not Take the Place of Financial Advice
• Local and State Taxation and IRS Circular 230 Disclosure
• Conflict of Interest Disclosure
• Bank Disclosures

Electronic Communications & Privileged Information

Electronic communications may contain privileged or confidential information, or may be otherwise protected by work product immunity or other legal rules. No confidentiality or privilege is waived or lost by any erroneously transmitted communication. Access, copying or re-use of information by non-intended or non-authorized recipients is prohibited. If you are not an intended recipient of an electronic communication, please notify the sender, delete it and don't read, act upon, print, disclose, copy, retain or redistribute any portion of such electronic communication any portion of such electronic communication. Electronic communications are not intended for distribution to, or use by, any person or entity in any location where such distribution or use would be contrary to law or regulation or would submit any firm affiliate to any registration requirement within such location. The firm and its affiliates do not waive any intellectual property rights in any electronic communication.

Do Not Send Sensitive Information Electronically

The firm and its affiliates cannot provide absolute assurances that all electronic transmissions (sent or received) are secure, error free, not corrupted, incomplete or virus free and/or they won't be lost, mis-delivered, destroyed, delayed, or intercepted /decrypted by others. Therefore, the firm and its affiliates advise against sending sensitive or personally identifiable information via electronic communications and disclaims all liability with regard to electronic communications (and the contents therein) if they are corrupted, lost, destroyed, delayed, incomplete, mis-delivered, intercepted, decrypted or otherwise misappropriated by others.

Information Subject to Change

Information in an electronic communication is subject to change without notice and unless otherwise indicated the views expressed are the author's and may differ from others within the firm and its affiliates. The information represents a view as of the date of the electronic communication and is subject to change and/or withdrawal at any time without notice.

Archiving & Monitoring Electronic Communications

Any electronic communication that is conducted within or through the firm and its affiliate's systems will be subject to being archived, monitored and produced to regulators and in litigation in accordance with the firm and its affiliate's policies and local laws, rules, and regulations. Electronic communications may be archived in countries other than the country in which you are located, and may be treated in accordance with the laws and regulations of the country of each individual included in the entire message chain.

Electronic Communications Does Not Take the Place of Financial Advice

The information in an electronic communication is not intended to replace a recipient's own internal business processes for evaluating proposed transactions. Recipients should seek financial advice regarding the appropriateness of investing in any securities referred to in an electronic communication and should understand that statements regarding future prospects of the instruments or the securities included in them may not be realized. There can be no assurance that the securities or other financial products or services mentioned in an electronic communication could be bought or sold at such prices by the firm and its affiliates on your behalf from other parties or market participants. Past performance is not necessarily indicative of future results. Fieldpoint Private and its affiliates do not provide tax, accounting, or regulatory advice.

Local and State Taxation and IRS Circular 230 Disclosure

Please be advised that any discussion of U.S. tax matters contained within this communication (including any attachments) is not intended or written to be used and cannot be used for the purpose of avoiding U.S. tax-related penalties or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein. Please consult your advisor as to any tax, accounting or legal statements made herein.

Conflict of Interest Disclosure

Under the Investment Advisers Act of 1940 (Adviser's Act) an investment adviser has a duty to provide disinterested advice and disclose any material conflicts of interest to clients. In certain instances, the bank may select money managers that are deemed to be affiliated with the bank through an investment in the bank. We will disclose these instances to the client in advance of a client's decision to invest in any such affiliated money manager. Additionally, we will provide a copy of our Adviser's ADV which provides further detail outlining the affiliation between the money manager and the bank. The bank takes its fiduciary duty to provide disinterested advice very seriously and as noted above fully discloses all potential conflicts of interest under the adviser's act to all its Members/Clients in an effort to assist Members/Clients in evaluating the objectivity of the recommendations provided.

System Requirements

Basic Requirements

Operating System Requirements

Windows 7, 8, 10

• Browser that supports 256-bit strong encryption
  • IE (Internet Explorer) 11 or higher
  • Firefox 27.0 or higher
  • Chrome 25.0 or higher
  • Safari 7 or higher
• Java 8 or higher
• PDF Reader (eg. Adobe PDF)

Mac OS X 10.9 or higher

• Browser that supports 128-bit strong encryption
  • Safari 7 or higher
  • Firefox 27.0
  • Chrome 25.0
• Java (latest version)
• PDF Reader (eg. Adobe PDF)

Tablet and smartphone users please note, while most of the site will function normally, some functions may not be operational on tablets and mobile devices at this time.

Browser Configuration

Internet Explorer

Check that Compatibility Mode is turned off. If on, this will cause images to not appear, menus to appear out of place, and textboxes to be distorted.

Other Considerations and Settings

Rapid Release Schedule

Web browsers (eg. Internet Explorer, Google Chrome, Safari), as well as Java and Adobe products (Flash, PDF) are released on rapid release schedules, which means new revisions are released between new versions of the Fieldpoint site and our application partners. Because it is unlikely that these releases will negatively affect Fieldpoint's openings, we do not test every release against the site and its supporting functions. When testing a consumer release, Fieldpoint Private's Quality Assurance teams will test the opening in the latest available version of the browser at time of the release to ensure that the experience is optimized for that version of the browser.

Operating Systems

Unless otherwise noted, a designation of supported applies to any browser/operating system combination that is supported by the browser vendor. All system specifications required by browser or operating system vendors must be satisfied.

Operating System Patch Releases

Due to the unpredictable and sporadic nature of operating system patches, issues relating to operating system/browser conflicts will be handled on a case-by-case basis. When formal patches are released by an operating system vendor that impact supported browsers, Fieldpoint Private will evaluate any issues and/or potential workarounds within a reasonable amount of time.

Embedded Browsers

Some popular browsers may be embedded into various online services. For example, America Online (AOL) currently uses Internet Explorer within its desktop software application. Users should consider these browsers to be unsupported, as we do not test them in embedded environments.

Mobile and Tablet Browsers

While most of the site will function normally on tablet computers and smartphones, some functions are not operational on such devices at this time.

Browser Support Policy Updates

Adoption of New Browsers

Our goal is to support as many of your customers/members as possible and to help maintain security during their online sessions. We review industry browser usage trends, browser capabilities and security information when deciding which browsers to consider certified or supported. We also utilize browser usage data collected by our own solutions and focus our efforts on supporting those browsers that are most secure and have the highest market demand.

Discontinuation of Browser Support

From time-to-time, security considerations and functionality limitations may cause us to discontinue support for certain browsers.

Accessibility

The colleagues of Fieldpoint Private Trust work hard to see to it that our website and services are accessible to all who wish to come here, including those who use assistive technology. We follow the requirements of Title III of the Americans with Disabilities Act (ADA), 42 U.S.C. 12181-12189, and the regulation implementing title III, 28 C.F.R. pt. 36. We do so by policy, but also by philosophy — we wish for no barrier to stand between our facilities, our technology, and those who wish to entrust us with their financial needs.

Our website is designed in accordance with ADA standards, and we have asked accessibility experts to challenge us toward making our sites and services reflect best practices for those with disabilities. For people who are blind or have low vision, Fieldpoint Private will, upon request and without charge, provide the following auxiliary aids and services:

• Qualified readers
• Printed information in large print
• Oral descriptions of action and visual information to ensure the accessibility or proceedings and presentations
• Notetakers
• Assistance in filling out forms
• An assistant to guide the person to find his/her way to an unfamiliar location or along an unfamiliar route within any of the Banks' locations

For people who are deaf, or hard of hearing, or have speech impairments, Fieldpoint Private Trust will, upon request and without charge, provide the following auxiliary aids and services:

• Qualified oral/sign language interpreters
• Written notes
• Notetakers
• Amplified and hearing aid compatible telephones

If you encounter any type of challenge or barrier to using our site or services, please let us know.

Readability and Accessibility

We strive to make our Website and these Terms of Use accessible to all users. If you have difficulty understanding any part of this document or accessing the Website, please contact us at support@whitecoatplanning.com so we can provide the information or assistance you need in an accessible format.

General Provisions

Enforcement of the Terms of Use will be governed by Florida law, without regard to conflict of laws principles. The parties knowingly, voluntarily, and intentionally waive, to the fullest extent permitted by law, any right to a trial by jury for any dispute arising under or relating to this Agreement or the services provided hereunder. It is also agreed by the parties that any controversy, claim, or breach arising out of or relating to this Agreement, or the services provided hereunder, shall be settled by binding arbitration, held in St. Johns County, Florida, and administered by the American Arbitration Association under its Commercial Arbitration Rules. Any resulting judgment may be entered and enforced in any court of competent jurisdiction.

In the event that a court of competent jurisdiction finds any provision of these Terms of Use to be illegal, invalid or unenforceable, the remaining portions will remain in full force and effect.

Contact Us

If you have any questions regarding the Website, please contact DLP by sending an email to support@whitecoatplanning.com.