Terms of Use

By accessing and using this Hancock Natural Resource Group, Inc. (the "Company") website ("Site"), you ("You" or a "User") are accepting and agreeing to be bound by and comply with these terms and conditions ("Terms"). If you do not agree to the Terms, please refrain from accessing or using the Site. The Terms may be changed from time to time, without prior notice. The amended Terms shall automatically become effective immediately after they are posted.

The information contained on the pages of this Site is subject to modification and update from time to time without notice. The Company does not guarantee or insure the accuracy, completeness, currency or authenticity of any Site content or functionality, or transmission of any Site content from the Site to you, and the Company is not obligated to modify, update or continue this Site.

HYPERLINKING
Other World Wide Web sites that may be accessed from or provide access to this Site by hypertext links are entirely independent of this Site. The inclusion of any site acknowledgments, identification of any person or entity in the Site, or any hypertext link to or from another site shall not, in any manner, be construed as an endorsement of such person's or entity's World Wide Web site, products, services, or contributions to the Site. Without limiting any other disclaimer herein, the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to have been caused by or in connection with use of or reliance on any such content, products or services available on such linked sites.

COPYRIGHTS AND USE OF SITE CONTENT
The copyright in all materials provided on this Site is held by the Company or by the original creator of the material. Except as stated herein, none of the materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of the Company or the copyright owner. Permission is granted to download one copy of the materials on this Site on a single computer for your personal or internal business use only provided that you do not modify the materials and that you retain all copyright and other proprietary notices contained in the materials. This permission terminates immediately if you breach this agreement. You may not "mirror" any material contained on this Site without the Company's express written permission. Any unauthorized use of the materials contained on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity and/or communications regulations and statutes. All content and functionality on this Site, including text, graphics, logos, icons, and images and the selection and arrangement thereof, are the exclusive property of the Company or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.

© 2011 Hancock Natural Resource Group, Inc.
99 High Street, 26th Floor
Boston, MA 02110
Telephone: 617.747.1600
All rights reserved.

TRADEMARKS
The trademarks, service marks and logos (the "Trademarks") used and displayed on this Site are registered and unregistered Trademarks of Company. Other trademarks, service marks and trade names may be owned by others. Nothing on this Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Trademark or any other intellectual property of the Company displayed on this Site. The Company aggressively enforces its intellectual property rights to the fullest extent of the law. The name Hancock Natural Resource Group, Inc. or any other Trademarks may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Site, without prior written permission from the Company. The Company also prohibits use of any Trademark as part of a link to or from any site unless establishment of such a link is approved in advance by the Company in writing.

DISCLAIMER
The information contained in this Site is not an offer to sell or a solicitation of an offer to buy any security or any investment, product or service. Additionally, nothing contained on this Site constitutes investment, securities, tax, legal or other advice. The information contained herein is for informational purposes only and should not be relied upon for determining the value of or the advisability of investing in, purchasing, or selling securities or other services or products. No information contained in this Site should be deemed a recommendation to buy or sell shares of any securities.

You should not assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by the Company), or product or service made reference to directly or indirectly on this Site, or indirectly via link to any unaffiliated third-party, will be profitable or equal to corresponding indicated performance levels. Past performance is not an indicator of future returns and references to performance on this Site are provided as historical benchmarks only. No person should assume that the information presented and/or made available on this Site serves as the receipt of, or a substitute for, personalized individual advice from the Company.

The products and services referenced on the Site are available only in jurisdictions where the provision of products and services is permitted by applicable law.

USER CONDUCT
Each User agrees that it is solely responsible for its actions, and the content of its transmissions through or posting on this Site and that it will abide by all applicable local, state, national and international laws and regulations in use of this Site. Each User also agrees not to (i) upload or distribute in any way files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; (ii) interfere or disrupt networks connected to this Site; (iii) use any device, software or routine in an attempt to interfere with the proper functioning of this Site or any transactions being offered at this Site; and (iv) take any action that imposes an unreasonable or disproportionately large load on this Site's infrastructure.

NOT DIRECTED AT CHILDREN
This Site is not directed at children, is not intended to market any product or service to children, and does not seek to solicit or obtain personal information from children.

SECURITY
You acknowledge and confirm that the Internet is not a secure medium where privacy can be insured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Site cannot be guaranteed and you acknowledge that your use of the Site (including information you transmit to the Site may be subject to access by or disclosure to, other persons. Without limiting any other disclaimer herein, the Company shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
EACH USER EXPRESSLY AGREES THAT USE OF THE SITE IS AT ITS SOLE RISK. THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABLITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT AS WELL AS ALL WARRANTIES ARISING BY USAGE OF TRADE, COURSE OF DEALING OR COURSE OF PERFORMANCE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

NEITHER THE COMPANY NOR ANY OF ITS AFFILIATED COMPANIES, NOR ANY OFFICER, DIRECTOR, OR EMPLOYEE THEREOF, NOR ANY OTHER PERSON ASSOCIATED WITH THE CREATION OF THE SITE OR ITS CONTENTS, SHALL BE LIABLE OR RESPONSIBLE TO ANY PERSON FOR ANY HARM, LOSS OR DAMAGE THAT MAY ARISE IN ANY CONNECTION WITH YOUR USE OF THE SITE, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, THIRD PARTY, OR CONSEQUENTIAL DAMAGES.

INDEMNIFICATION
Each User agrees to indemnify, defend and hold harmless the Company and its parents, subsidiaries, affiliates, directors, officers, members, managers and employees, from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of use of this Site, such User's violation of the Terms, or the infringement by such User of any right of any person or entity.

GENERAL
In the event that any provision of these Terms shall, in whole or in part, be determined to be invalid, unenforceable or void for any reason, such determination shall affect only the portion of such provision determined to be invalid, unenforceable or void, and shall not affect in any way the remainder of such provision or any other provision of these Terms. The Company and User authorize a court or arbitrator to replace such an invalid, unenforceable or void provision with a valid provision which is as similar as possible in substance to the invalid, unenforceable or void provision. The Company's' failure to act with respect to a breach by User or others does not waive its right to act with respect to subsequent or similar breaches. These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its choice of law provisions. In the event of any conflict between foreign laws, rules and regulations and those of the United States, the laws, rules and regulations of the United States shall govern. Users hereby consent to personal jurisdiction by the state and federal courts located in Boston Massachusetts. These Terms and any modifications hereto constitute the entire agreement between the parties with regard to the subject matter hereof and supersede all prior understandings and agreements, whether written or oral, as to such subject matter. Nothing contained in these Terms shall be deemed to constitute either party as the agent or representative of the other party, or both parties as joint ventures or partners for any purpose.

FORWARD-LOOKING INFORMATION/STATEMENTS
This Site may contain certain statements relating to future results, which are forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, any statement that may project, indicate or imply future results, events, performance or achievements, and may contain the words "anticipate," "expect," "intend," "plan," "believe," "estimate," "may," "will" and "continue" and similar expressions of a future or forward-looking nature. Forward-looking statements may include discussions concerning revenue, expenses, earnings, cash flow, dividends, capital structure, credit facilities, market and industry conditions, premium and commission rates, interest rates, contingencies, the direction or outcome of regulatory investigations and litigation, income taxes and operations. These forward-looking statements are based on the Company's current views with respect to future results, and are subject to risks and uncertainties which include, among others, general economic and business conditions, competition, regulatory initiatives and compliance with government regulations, adverse weather conditions, and various other events, conditions and circumstances which are beyond the Company's control and undue reliance should not be placed upon forward-looking statements.

CIRCULAR 230 NOTICE
To ensure compliance with requirements imposed by the IRS under Circular 230, the Company informs you that any U.S. Federal tax advice contained on this Site, including any Web sites owned, operated or sponsored by any of the Company's subsidiaries, unless otherwise specifically stated, was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing or recommending to another party any matters addressed herein.

Last Modified: July 20, 2010