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Legal Information and Terms of Use

By using this site, you signify your assent to the following terms and conditions of use without limitation or qualification. If you do not agree to these terms, do not use this site. Please read these conditions carefully before using this site. Stifel, Nicolaus & Company, Incorporated (herein also referred to as "the advisor") may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound. This site is for informational purposes and does not constitute an offer to sell or a solicitation of an offer to buy any security which may be referenced herein.

Disclaimer

The information provided on this site is provided for informational purposes only. While the Advisor seeks to provide accurate and timely information, there may be inadvertent technical or factual inaccuracies and typographical errors for which we apologize. The content of this site reflects the authors' analyses as of the content's initial publication date. We are not under any obligation to update such content to reflect circumstances that may occur after its initial publication date. We reserve the right to make changes and corrections at any time, without notice. Washington Crossing Advisors (WCA) is an investment advisory program offered by Stifel, Nicolaus & Company, Incorporated, a registered investment advisor with the Securities and Exchange Commission (SEC) and Member NYSE, FINRA, and SIPC broker-dealer headquartered in St. Louis, Missouri. The information provided on this site is provided "AS IS" and without warranties of any kind, either expressed or implied. To the fullest extent permissible pursuant to applicable law, the Advisor disclaims all warranties, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. The Advisor does not warrant, either expressly or implied, the accuracy or completeness of the information, text, graphics, links, or other items contained on this site, and the Advisor expressly disclaims all liability for errors and omissions in these materials and for the use or interpretation by others of information contained on the site. The Advisor will not be responsible for any loss or damage that could result from interception by third parties of any information made available to you via this site. Neither the Advisor, nor any of its affiliates, directors, officers, or employees, nor any third-party vendor retained by the Advisor will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of the Advisor or of any vendor providing software or support services for this site. In no event will the Advisor, its affiliates, or any such parties be liable to you for any direct, special, indirect, consequential, incidental damages, or any other damages of any kind, even if the Advisor or any other party have been advised of the possibility thereof.

Nothing contained in the Advisor's site constitutes investment advice. Neither the information, nor any opinion contained in this site constitutes a solicitation or offer by the Advisor or its affiliates to buy or sell any securities, futures, options, or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. You also acknowledge that not all securities, other investments, or investment strategies are suitable for all investors and, in fact, the investments and investment strategies mentioned or discussed may not be suitable for you. You further agree not to use the site or its content for legal, tax, or accounting advice. Decisions based on information contained on the Advisor's site are the sole responsibility of the visitor, and in exchange for using the Advisor's site, the visitor agrees to hold the Advisor or our parent company, Stifel Financial Corp., and our directors, officers, employees, control persons, vendors, licensors, and agents, as well as any third-party providers harmless against any claims for damages arising from any decisions that the visitor makes based on such information.

Restrictions on Use of Materials

This web site is owned and operated by the Advisor. Permission is granted to display and navigate this site with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this web site or any portion hereof is strictly prohibited.

Except as otherwise permitted by the Advisor, no materials from this site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this site for public or commercial purposes, including the text, images, audio, and video, without the Advisor's written permission. Modification or use of the materials for any other purpose violates the Advisor's intellectual property rights.

The Advisor neither warrants nor represents that your use of materials displayed on this site will not infringe rights of third parties not owned by or affiliated with the Advisor.

"Brochure" (Form ADV Part II)

The Advisor has filed Form ADV Part II with the Securities and Exchange Commission ("SEC"). These materials should be read in conjunction with the Advisor's other publications, including, but not limited to, fact sheets, web sites, other brochures, reports, and commentaries as well as all disclosures therein. A copy to our Form ADV Part II can be requested from your Stifel Nicolaus Financial Advisor or by contacting Washington Crossing Advisors.

Submissions

Electronic Mail (e-mail) submitted to this site should be considered neither secure nor confidential. The Advisor makes no representation whatsoever concerning the security or confidentiality of your e-mail messages and specifically makes no representation that any e-mail message submitted through this site will be received by the Advisor.

Any communications or material you transmit to this web site by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as nonconfidential and nonproprietary and will become the property of the Advisor or its affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, the Advisor is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this web site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Trademarks and Copyrights

The Advisor owns and operates this site. All trademarks, service marks, trade names, and logos displayed on this site are proprietary to the Advisor except as explicitly noted below under Ownership of Other Materials. Nothing contained on the web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this web site without the written permission of the Advisor or such third party that may own the trademarks displayed on this web site. Your use of the trademarks displayed on this web site, except as provided herein, is strictly prohibited.

Images displayed on this web site are either the property of, or used with permission by, the Advisor. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. If you download any information or software from this site, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

Use of Links

Should you leave this site via a link contained herein, and view content that is not provided by the Advisor, you do so at your own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by the Advisor. The Advisor is not responsible for damages or losses caused by any delays, defects, or omissions that may exist in the services, information, or other content provided in such site, whether actual, alleged, consequential, or punitive. The Advisor makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality, or timeliness of any electronic content.

Jurisdiction and Governing Law

This web site is controlled and operated by the Advisor from its offices within the State of Missouri, United States of America. The Advisor makes no representation that materials on the site are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the materials on this site in violation of U.S. export laws and regulations.

The information provided on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Advisor or its affiliates to any registration requirement within such jurisdiction or country.

The laws of the State of Missouri govern these terms and conditions. If you take legal action relating to these terms and conditions, you agree to file such action only in the City of St. Louis, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any such action.

Integration and Serverability

If any provision of these terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions. The preceding terms and conditions of use represent the entire agreement between the Advisor and the user relating to the subject matter herein.