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Copyright Copyright in the pages, in the screens displaying the pages and in the information, materials and other content contained in this web site is owned by Welch & Forbes unless otherwise indicated, and is protected by US and international copyright laws and treaties. The information, materials and other content of this web site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written consent of Welch & Forbes. Products and Services The information, materials, products and services on this web site are current at the time of writing and are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products or services is subject to determination by and the approval of Welch & Forbes. No solicitation is made by Welch & Forbes to any person to use any information, materials, products or services in any jurisdiction where the provision of such information, materials, products and services is prohibited by law. The information on this web site or in any communication containing a link to this web site is not intended to constitute investment advice or an offer to sell, or the solicitation of an offer to purchase shares or other securities. It 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 Welch & Forbes or its affiliates to any registration requirement within such jurisdiction or country. Investment products and services are available through Welch & Forbes. Investment products and services are not FDIC-insured, are not deposits or obligations of, or guaranteed by, any bank, and involve investment risks, including the possible loss of the principal amount invested. Investors should always obtain and read an up-to-date investment services description or prospectus before deciding whether to appoint an investment manager or to invest in a fund. No Warranty Welch & Forbes does not warrant the accuracy, adequacy, completeness or timeliness of the information, materials, products and services on this web site or the error-free use of this web site. All information, materials, products and services are "as is" and "as available" with no warranty of any kind, express or implied, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus is given in conjunction with the information, materials, products and services. Any views expressed herein are those of the author(s), are based on available information, and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. Limitation of Liability In no event shall Welch & Forbes be liable for any damages, losses or liabilities including without limitation, direct or indirect, special incidental, consequential damages, losses or liabilities, in connection with your use of this web site or your reliance on or use or inability to use the information, materials, products and services on this web site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Welch & Forbes is advised of the possibility of such damages, losses or expenses. Hyperlinks Your use of the hyperlinks on this web site to other Internet web sites is at your own risk. Welch & Forbes is not responsible for the content or accuracy of third-party web sites hyperlinked from this web site, nor does it guarantee the products or services offered on third-party web sites. You should review the privacy statements of a web site before you provide any personal or confidential information. Applicable Law Your use of this web site is governed by Massachusetts law and applicable federal law. Our Commitment to Privacy The relationship between Welch & Forbes LLC and our clients is our most important asset. We strive to maintain your trust and confidence in our firm, an essential aspect of which is our commitment to protect the confidentiality, integrity and security of your non-public personal information. As we believe that all of our clients value their privacy, we do not disclose your non-public personal information to anyone unless it is required by law, at your direction, or is necessary to provide you with our services. We do not sell your non-public personal information to anyone. Personal Information That We Collect, Maintain, and Communicate We collect and maintain your non-public personal information so we can provide investment management and/or tax preparation services to you. The types and categories of information we collect and maintain about you include: In order for us to provide investment management and tax services to you, we may disclose the non-public personal information that we collect and maintain in very limited instances, which includes: How We Protect Your Personal Information To fulfill our privacy commitment, we have instituted firm-wide practices to safeguard the information that we maintain about you. These include:

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