Cornerstone Advisors, Inc. protects, to the best of our ability, information that you provide in any interaction with us through our Web site. This notice describes our Privacy, Security and Terms of Use policy. By visiting www.crnrstone.com, including the purchase of any goods sold through our site, you are accepting the terms described in this notice.

PRIVACY

Your Personal Information
To conduct business with Cornerstone through our Web site it may be necessary to provide certain information about yourself, the extent of which will be determined by your specific need. The following is an explanation of how we use this information:

Information You Provide: We receive and store information you enter on our Web site or provide to us in other ways. Information we request that is not necessary to conduct a specific transaction is optional. We use the information that you provide for such purposes as responding to your requests, fulfilling orders and improving our site.

• Sharing with Third Parties: We do not sell to or share your information with third parties.
• Email Communications: We may occasionally send you promotional emails about our services and/or product offerings. If you prefer not to receive such correspondence, send a note to info@crnrstone.com with "Opt Out" in the subject line or respond to a promotional notice with "Opt Out" in the subject line.
• Protection of Cornerstone Advisors: We release account and other personal information when we believe release is appropriate to comply with the law; enforce or apply our Disclaimer of Warranties and Limitation of Liability; or protect the rights, property, or confidentiality of Cornerstone Advisors, Inc. and our customers. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. This does not include selling, renting, sharing, or otherwise disclosing personally identifiable information from customers for commercial purposes.

SECURITY

Cornerstone works to protect the security of information provided by or to you in the purchase of goods during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.

Your credit card number will not be displayed when confirming an order. It is, of course, necessary for us to transmit the entire credit card number to the appropriate credit card company during order processing.

TERMS OF USE

Disclaimer of Warranties and Limitation of Liability

Products, White Papers and written materials including The Cornerstone Report: Benchmarks and Best Practices for Mid-Size Banks 2003T (collectively "Cornerstone Intellectual Property") are protected by copyright laws, contain the trademark Cornerstone Advisors, Inc., and are Cornerstone's confidential and proprietary information. No part of Cornerstone Intellectual Property shall be reproduced, stored in a retrieval system, or transmitted by any means, electronic, mechanical, photocopying, recording or otherwise, without written permission from Cornerstone Advisors. Cornerstone assumes no liability with respect to the use of Cornerstone Intellectual Property, which is provided "as is," and there are no warranties of any kind provided by Cornerstone with respect to Cornerstone Intellectual Property. Cornerstone assumes no responsibility for errors or omissions and will not be liable for any damages resulting from the use of Cornerstone Intellectual Property.

You may not return for a refund any reports or other products purchased via this site. If you have any questions on this return or refund policy, please contact Cornerstone Advisors, Inc. at (480) 423-2030, Monday through Friday between the hours of 8 a.m. and 5 p.m. or by mail at 4725 N. Scottsdale Road, Suite 102 , Scottsdale , AZ 85251 .

To receive an additional copy of this information or if you have any questions, please e-mail us at info@crnrstone.com. We would be happy to e-mail you a reply and respond to your request.