Disclosure. Kinsight, LLC (“KINSIGHT”), a SEC registered investment adviser located in Birmingham, Alabama, and its representatives are in compliance with the current registration and/or notice filing requirements imposed upon SEC registered investment advisers by those states in which KINSIGHT maintains clients. KINSIGHT/its representatives may only transact business in those states in which it has notice filed/registered, or qualifies for an exemption or exclusion from registration requirements. Any subsequent, direct communication by KINSIGHT with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. This web site should not be viewed as a solicitation or offer of services in any jurisdiction in which the advisor is not qualified to do business

The information provided on this site is provided without charge as a convenience to visitors, and to be used for informational purposes only. While Kinsight, LLC has tried to provide accurate and timely information, there may be inadvertent technical or factual inaccuracies and typographical errors for which we apologize. We reserve the right to make changes and corrections at any time, without notice. The information provided on Kinsight, LLC’s site is provided “AS IS” “AS AVAILABLE” and is qualified in its entirety by Kinsight, LLC’s Form ADV, which is on file with the U.S. Securities and Exchange Commission. Kinsight, LLC does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained on Kinsight, LLC’s site and Kinsight, LLC expressly disclaims all liability for errors and omissions in these materials and for the use or interpretation by others of information contained on the site. Kinsight, LLC may change information contained herein at any time and makes no commitment to update the information contained on the site. Decisions based on information contained on Kinsight, LLC’s site are the sole responsibility of the visitor, and in exchange for using Kinsight, LLC’s site, the visitor agrees to hold Kinsight, LLC harmless against any claims for damages arising from any decisions that the visitor makes based on such information. Nothing contained in Kinsight, LLC’s site constitutes investment advice and users should consult with appropriate advisors before making investment decisions.

License. Material from www.kinsight.com and any other World Wide Web site owned, operated, licensed, or controlled by Kinsight, LLC may not be copied or distributed, or republished, uploaded, posted, or transmitted in any way, without the prior written consent of Kinsight, LLC EXCEPT: you may download one copy of the material on one computer for your personal, non-commercial home use only, provided you do not delete or change any copyright, trademark, or other proprietary notices. Modification or use of the materials for any other purpose violates Kinsight, LLC’s intellectual property rights. The material on this site is provided for lawful purposes only. If you download software from our site, the software, including all files, images, contained in or generated by the software, and accompanying data (together, the “Software”) are deemed to be licensed to you by Kinsight, LLC. Neither title nor intellectual property rights are transferred to you, but remain with Kinsight, LLC, who owns full and complete title. You may not resell, decompile, reverse engineer, disassemble, or otherwise convert the Software to a human perceivable form.

Copyright. While Kinsight, LLC provides the information on this server to anyone, we retain copyright on all text and graphic images. This means that unless you are an employee so authorized by Kinsight, LLC, you may not: distribute the text or graphics to others without the express written permission of Kinsight, LLC, “mirror” or include this information on your own server or documents without our permission, modify or re-use the text or graphics on this system. You MAY: print copies of the information for your own personal use; store the files on your own computer for your personal use only; reference hypertext documents on this server from your own documents. Kinsight, LLC reserves all other rights.

Hyperlinks. Some of the sites listed as links herein are not under the control of Kinsight, LLC. Accordingly, Kinsight, LLC makes no representations whatsoever concerning the content of those sites. The fact that Kinsight, LLC has provided a link to a site is NOT an endorsement, authorization, sponsorship, or affiliation by Kinsight, LLC with respect to such site, its owners, or its providers. Kinsight, LLC is providing these links only as a convenience to you. Kinsight, LLC has not tested any information, software, or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software, or products found on the Internet, and Kinsight, LLC cautions you to make sure you understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet.

Submissions. Electronic Mail (e-mail) submitted to this Web site should be considered neither secure nor confidential, since messages submitted to this site travel through the Internet, which is not a secure medium. Kinsight, LLC makes no representation whatsoever concerning the security or confidentiality of your e-mail messages and specifically makes no representation that any e-mail message submitted through this Web site will be received by Kinsight, LLC.

Trademarks. All product names appearing in type form different from that of the surrounding text “Kinsight, LLC,” and the Kinsight, LLC logo, are trademarks owned by or licensed to Kinsight, LLC, its subsidiaries, or its affiliates, and may not be reproduced without the express written consent of Kinsight, LLC. For further information, please contact Heath R. Echols by e-mail or at (205) 871-3334.

Jurisdiction. Except as described otherwise, all materials in the Kinsight, LLC site are made available only to provide information about Kinsight, LLC. Kinsight, LLC controls and operates this site from Birmingham, Alabama, United States of America and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations you are responsible for compliance with applicable local laws. This is the entire agreement between the parties relating to the use of this site. Kinsight, LLC can revise these Terms and Conditions at any time by updating this posting. The Kinsight, LLC site may describe products and services that are not available worldwide. Kinsight, LLC makes no offers of products or services outside the United States of America.

Other. Kinsight, LLC reserves the right to withdraw access to the site and revise the software, materials, information, and the services and products described in this website, at any time without notifying the user.