Welcome to Veratis Institutional Advisors
This site is owned and operated by Veratis Institutional Advisors ("Veratis"). Please read the following Legal Notices that are the terms and conditions of use for this site ("Site"). By using this Site and the information and services available through this Site, you agree to follow and be bound by these conditions of use. If you do not agree to these conditions, do not use this Site.

Site for Information Only
The data, information, and content on this Site are for information, education and noncommercial purposes only. Although Veratis may provide data, information, and content relating to investment approaches and mutual funds, you should not construe any such information or other content available through this Site as legal or tax advice. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any data, information, or content on this Site before making any decisions based on such data, information, or content. In exchange for using such data, information, or content, you agree not to hold Veratis or its third party content providers liable for any possible claim for damages arising from any decision you make based on information made available to you through this Site. By providing access to other web sites, Veratis is not recommending or endorsing services provided by any website's sponsoring organization. Materials relating to any mutual funds should be read in conjunction with a fund prospectus that describes charges, expenses, and risks. Read it carefully before any investment. Past performance is no guarantee of future performance.

Risks of Investing
Investing entails risks, including possible loss of principal. There are special risk considerations associated with mutual fund and stable value fund investing. No assurances or guarantees are given regarding the performance of any investment. Returns, share price, and yield will fluctuate and redemption value may be more or less than original cost. Investments in mutual funds are not insured or guaranteed by the US government or any other party.

Indexes
Comparative indexes are unmanaged and therefore do not reflect the payment of advisory fees and other expenses associated with an investment in a fund. Investors cannot invest directly in an index.

Linking
Veratis has not reviewed or authorized any sites linking to this Site. We do not take responsibility for any websites linking to this Site or any links from this Site. Following links from and to this Site is at your own risk.

Disclaimers and Limitations of Liability
You expressly understand and agree that your use of this Site is provided on an "as is" and "as available" basis. To the full extent permitted under applicable law, Veratis expressly disclaims all warranties of any kind, whether expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Veratis makes no warranty that: 1) this Site will meet your requirements; 2) this Site will be uninterrupted, timely, secure, or free of viruses, errors, worms, date bombs, time bombs, or other harmful components; 3) the results that may be obtained from the use of this Site will be accurate or reliable; 4) the quality of any products, services, information, or other material purchased or obtained by you through this Site will meet your expectations; 5) any errors on this Site will be corrected; and 6) the data and materials presented or displayed on this Site are correct, accurate, or reliable.
Any content or data downloaded or otherwise obtained through the use of this site is done at your own discretion and risk. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such content.
No advice or information, whether written or oral, whether obtained by you from Veratis, from a Veratis employee or agent, or through or from this Site, shall create any warranty not expressly stated in these terms of use. Veratis will not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, revenue, income, goodwill, use, data, or other intangible losses (even if Veratis has been advised of the possibility of such damages), resulting from any matter relating to this Site.