Terms of Use 
			
			
			The following are terms of a legal 
			agreement ("Agreement") between you and RMD Financial Corporation 
			("RMD"). By accessing, browsing and/or using this web site ("Site") 
			you acknowledge that you have read, understood and agree to be bound 
			by these terms and to comply with all applicable laws and 
			regulations. If you do not agree to these terms, do not use this 
			Site. This Site may contain other proprietary notices and copyright 
			information, the terms of which must be observed and followed. 
			Information on this Site may contain technical inaccuracies or 
			typographical errors. Please read this Agreement carefully and be 
			aware that RMD may, in its sole discretion and without notice, 
			revise these terms at any time by updating this posting.  
			
			
			HYPER LINKING  
			
			RMD makes no representations whatsoever 
			about any other web site which you may access through this one. When 
			you access a non-RMD web site, please understand that it is 
			independent from RMD, and that RMD has no control over the content 
			on that web site, even if RMD provides information or services to 
			the owner of that web site. In addition, a link to a non-RMD web 
			site does not mean that RMD endorses or accepts any responsibility 
			for the content or the use of such web site. In fact, RMD disclaims 
			any and all liability and responsibility for such content. It is up 
			to you to take precautions to ensure that whatever you select for 
			your use is free of such items as viruses, worms, trojan horses and 
			other items of a destructive nature.  
			
			COPYRIGHTS AND USE OF SITE CONTENT
			
			 
			
			The copyright in all materials provided 
			on this Site is held by RMD 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 RMD 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 RMD'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 RMD or its licensors and is protected 
			by U.S. and international copyright laws. All rights not expressly 
			granted are reserved.  
			
				
				© 1989-2011 RMD Financial Corporation.
				 
				
				                       1001 E. 26th Ave. 
				
				                       Denver, Colorado 80205 
				
				                       Direct: 877-342-6203 
				
				                       Fax: 
				720-262-8994 
				
				                       Email: generalmail@rmdfc.net  
			
			TRADEMARKS   
			
			The trademarks, service marks and logos 
			(the "Trademarks") used and displayed on this Site are registered 
			and unregistered Trademarks of RMD. 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 RMD intellectual 
			property displayed on this Site. RMD aggressively enforces its 
			intellectual property rights to the fullest extent of the law. The 
			name RMD and any other Trademarks shall not be used in any way, 
			including in advertising or publicity pertaining to distribution of 
			materials on this Site, without prior written permission from RMD. 
			RMD also prohibits use of RMD and any other Trademarks as part of a 
			link to or from any site unless establishment of such a link is 
			approved in advance by RMD in writing.  
			
			USER POSTINGS   
			
			You acknowledge and agree that RMD 
			shall own and have the unrestricted right to use, publish, in 
			electronic form and otherwise, distribute and exploit any and all 
			information that you post or otherwise publish on this Site 
			("Submissions"). You hereby waive any and all claims against RMD for 
			any alleged or actual infringements of any rights of privacy or 
			publicity, moral rights, rights of attribution or any other 
			intellectual property rights in connection with RMD's use and 
			publication of such Submissions. This means that anything submitted 
			by you to this Site will be owned by RMD and may be used by RMD for 
			any purpose, now or in the future, without any payment to, or 
			further authorization by, you. In the event RMD's ownership of such 
			Submissions is successfully contested, you automatically grant RMD a 
			perpetual, royalty-free, non-exclusive, sublicensable, unrestricted, 
			worldwide and irrevocable right and license to use, reproduce, 
			modify, publish, translate, prepare derivative works based upon, 
			distribute, perform or display such Submissions, in whole or in 
			part, in any form, media or technology known or hereafter developed 
			for any purpose, including, but not limited to, advertising and 
			promotional purposes. RMD does not represent or endorse the accuracy 
			or reliability of any Submissions displayed, uploaded, posted on any 
			message board, or otherwise distributed through this Site by any 
			user of this Site, information provider or any other third party. 
			RMD expressly disclaims any and all liability related to 
			Submissions, and you acknowledge that any reliance upon such 
			Submissions shall be at your sole option, liability and risk. You 
			covenant that you shall not post or otherwise publish on the Site 
			any materials that: (i) are threatening, libelous, defamatory, or 
			obscene; (ii) would constitute, or that encourage conduct that would 
			constitute a criminal offense, give rise to civil liability, or 
			otherwise violate law; (iii) infringe the intellectual property, 
			privacy, or other rights of any third parties; (iv) contain a 
			computer virus or other destructive element; (v) contain 
			advertising; or (vi) constitute or contain false or misleading 
			statements. RMD in its sole discretion reserves the right to refuse 
			to post and the right to remove any information or Submission from 
			this Site, in whole or in part, for any reason.  
			
			NO SERVICES, ENDORSEMENT OR 
			PROFESSIONAL CONSULTATION   
			
			There may be delays, omissions or 
			inaccuracies in information obtained through your use of this Site. 
			The information on the site is provided to you with the 
			understanding that RMD's provision of this information to you does 
			not constitute the rendering of investment, consulting, legal, 
			accounting, tax, career or other advice or services. Information on 
			this Site should not be relied upon for making business, investment 
			or other decisions or used as a substitute for consultation with 
			professional advisors. Moreover, RMD does not represent or endorse 
			the accuracy or reliability of any advice, opinion, statement, or 
			other information displayed, uploaded, downloaded or distributed 
			through this Site by RMD, any user, information provider or any 
			other person or entity. You acknowledge that any reliance upon such 
			opinion, advice, statement, memorandum, or information shall be at 
			your sole option, liability and risk. Moreover, RMD does not grant 
			any license or other authorization to you to use this Site in any 
			manner if such use in whole or in part suggests that RMD promotes or 
			endorses a third party's causes, ideas, political campaigns, 
			political views, web sites, products or services.  
			
			ACCESS TO THIS SITE   
			
			RMD may alter, suspend or discontinue 
			this Site and your access to use this Site at any time for any 
			reason without notice or liability to you or any third party. This 
			Site may become unavailable due to maintenance or malfunction of 
			computer equipment or for other reasons and may result in damages to 
			the user's systems or operations. The user shall be solely 
			responsible for ensuring that any information or content obtained 
			from this Site does not contain any virus or other computer software 
			code or subroutine designed to disable, erase, impair or otherwise 
			damage the user's systems, software or data.  
			
			DISCLAIMER OF WARRANTIES   
			
			THE SITE AND ALL MATERIALS THEREON ARE 
			DISTRIBUTED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND. TO 
			THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, RMD FINANCIAL 
			CORPORATION DISCLAIMS 
			ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, 
			IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR 
			PURPOSE, TITLE AND NON-INFRINGEMENT. SPECIFICALLY, BUT WITHOUT 
			LIMITATION, BAIN DOES NOT WARRANT THAT: (1) THE INFORMATION ON THIS 
			SITE IS CORRECT, ACCURATE OR RELIABLE; (2) THE FUNCTIONS CONTAINED 
			ON THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE; OR (3) DEFECTS 
			WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT 
			AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU HEREBY 
			ACKNOWLEDGE THAT USE OF THE SITE IS AT YOUR SOLE RISK. IF YOU ARE A 
			CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 
			1542 WHICH PROVIDES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS 
			WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT 
			THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE 
			MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."  
			
			LIMITATION OF LIABILITY   
			
			UNDER NO CIRCUMSTANCES SHALL BAIN OR 
			ANY OF ITS PREDECESSORS, SUCCESSORS, PARENTS, SUBSIDIARIES, 
			AFFILIATES, OFFICERS, DIRECTORS, SHAREHOLDERS, INVESTORS, EMPLOYEES, 
			AGENTS, REPRESENTATIVES, ATTORNEYS AND THEIR RESPECTIVE HEIRS, 
			SUCCESSORS AND ASSIGNS BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, 
			INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES 
			THAT DIRECTLY OR INDIRECTLY RESULT FROM THE USE OF, OR THE INABILITY 
			TO USE, THIS SITE OR THE INFORMATION CONTAINED ON THIS SITE OR 
			OBTAINED FROM YOUR USE OF THIS SITE, INCLUDING FOR VIRUSES ALLEGED 
			TO HAVE BEEN OBTAINED FROM THE SITE, EVEN IF BAIN HAS BEEN ADVISED 
			OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL BAIN'S OR ANY 
			OF ITS PREDECESSORS', SUCCESSORS', PARENTS', SUBSIDIARIES', 
			AFFILIATES', OFFICERS', DIRECTORS', SHAREHOLDERS', INVESTORS', 
			EMPLOYEES', AGENTS', REPRESENTATIVES' AND ATTORNEYS' AND THEIR 
			RESPECTIVE HEIRS', SUCCESSORS' AND ASSIGNS' TOTAL LIABILITY TO YOU 
			FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, 
			TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE EXCEED 
			$1. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED 
			WARRANTIES IN WHICH CASE SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY 
			TO ALL USERS.  
			
			INDEMNIFICATION   
			
			You hereby indemnify, defend, and hold 
			harmless RMD and all of its predecessors, successors, parents, 
			subsidiaries, affiliates, officers, directors, shareholders, 
			investors, employees, agents, representatives and attorneys and 
			their respective heirs, successors and assigns (collectively, the 
			"Indemnified Parties") from and against any and all liability and 
			costs, including, without limitation, reasonable attorneys' fees, 
			incurred by the Indemnified Parties in connection with any claim 
			arising out of or relating to any breach by you of this Agreement or 
			the representations, warranties, and covenants you have made by 
			agreeing to the terms of this Agreement. You shall cooperate as 
			fully as reasonably required in the defense of any such claim. RMD 
			reserves the right, at its own expense, to assume the exclusive 
			defense and control of any matter subject to indemnification by you.
			 
			
			ENFORCEMENT OF TERMS AND CONDITIONS
			
			 
			
			This Agreement is governed and 
			interpreted pursuant to the laws of the Commonwealth of 
			Massachusetts, United States of America, notwithstanding any 
			principles of conflicts of law. You expressly agree that exclusive 
			jurisdiction resides in the courts of the Commonwealth of 
			Massachusetts. You further agree and expressly consent to the 
			exercise of personal jurisdiction in the Commonwealth of 
			Massachusetts in connection with any dispute or claim involving RMD. 
			If any part of these terms is unlawful, void, or unenforceable, that 
			part will be deemed severable and will not affect the validity and 
			enforceability of the remaining provisions.  
			
			INFRINGEMENT NOTICES AND TAKEDOWN
			
			 
			
			RMD prohibits the posting of any 
			information that infringes or violates the copyright rights and/or 
			other intellectual property rights (including rights of privacy and 
			publicity) of any person or entity. If you believe that any material 
			contained on this Site infringes your copyright or other 
			intellectual property rights, you should notify RMD of your 
			copyright infringement claim in accordance with the following 
			procedure. RMD will process notices of alleged infringement which it 
			receives and will take appropriate action as required by the Digital 
			Millennium Copyright Act ("DMCA").  
			
			To be effective, the notification must 
			be in writing and contain the following information (DMCA, 17 U.S.C. 
			§512(c)(3)):  
			
				- 
				
				Physical or electronic signature of 
			a person authorized to act on behalf of the owner of an exclusive 
			right that is allegedly infringed;   
				- 
				
				Identification of the copyrighted 
			work claimed to have been infringed, or, if multiple copyrighted 
			works at a single online site are covered by a single notification, 
			a representative list of such works at that site;   
				- 
				
				Identification of the material that 
			is claimed to be infringing or to be the subject of infringing 
			activity and that is to be removed or access to which is to be 
			disabled, and information reasonably sufficient to permit the 
			service provider to locate the material;   
				- 
				
				Information reasonably sufficient to 
			permit the service provider to contact the complaining party, such 
			as an address, telephone number, and, if available, an electronic 
			mail address at which the complaining party may be contacted; 
				  
				- 
				
				A statement that the complaining 
			party has a good faith belief that use of the material in the manner 
			complained of is not authorized by the copyright owner, its agent, 
			or the law;   
				- 
				
				A statement that the information in 
			the notification is accurate, and under penalty of perjury, that the 
			complaining party is authorized to act on behalf of the owner of an 
			exclusive right that is allegedly infringed.   
			 
			
			ENTIRE AGREEMENT   
			
			This Agreement constitutes the entire 
			agreement between you and RMD with respect to the subject matter of 
			this Agreement and supersedes and replaces all prior or 
			contemporaneous understandings or agreements, written or oral, 
			regarding that subject matter. Any waiver of any provision of this 
			Agreement will be effective only if in writing and signed by RMD.
			 
			
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