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By using this Web Site you understand and agree that:

The Hallmark Capital Web Site (the "Site") was designed to provide general information and is intended for that purpose only. The material in this Site is not intended as legal, tax, accounting or consulting advice or services. Reproduction, republication or distribution of any material from this Site is strictly prohibited without the express prior written permission of Hallmark Capital Corporation ("Hallmark Capital").

Reasonable care has been taken to ensure that the Site content is accurate and up-to-date. However, Hallmark Capital makes no warranties or representations about the accuracy or completeness of Site content nor any other warranties or representations about the content or Site, which are provided on an "as-is" basis. All warranties, express or implied, are hereby disclaimed.

We have provided links to sites maintained by other organizations over which Hallmark Capital has no control, so we disclaim responsibility for material contained in those sites.

Hallmark Capital is a registered trademark of Hallmark Capital Corporation and may not be used without the express prior written permission of the company.

This agreement shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law. You agree that any dispute arising from or relating in any way to this agreement, the Site or any Hallmark Capital products or services be brought exclusively in the Federal or State courts located in the State of New York and you irrevocably agree to submit to the jurisdiction of such courts. If any provision of this agreement shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not effect the validity and enforceability of any remaining provisions.

Hallmark Capital Securities, LLC, a wholly-owned subsidiary of Hallmark Capital Partners, LLC, is a U.S. registered broker-dealer and member of FINRA and SIPC. All securities transactions requiring registration as a broker-dealer with the United States Securities and Exchange Commission or the various states or other regulatory organizations shall be effected by Hallmark Capital Securities, LLC.