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LICENSE DISCLAIMER

Nothing on any FPIC Web site shall be construed as conferring any license under any of FPIC's or any third party's intellectual property rights, whether by estoppel, implication, or otherwise.

CONTENT AND LIABILITY DISCLAIMER

FPIC shall not be responsible for any errors or omissions contained on any FPIC Web Site, and reserves the right to make changes anytime without notice. Mention of non- FPIC products or services is provided for informational purposes only and constitutes neither an endorsement or a recommendation by FPIC. All FPIC and third party information provided on any FPIC Web Site are provided on an "as is" basis.

FPIC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, WITH REGARD TO ANY INFORMATION (INCLUDING ANY SOFTWARE, PRODUCTS OR SERVICES) PROVIDED ON ANY FPIC WEB SITE, INCLUDING THE IMPLIED WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

In no event shall FPIC be liable for any damages whatsoever, and in particular FPIC shall not be liable for direct, special, indirect, consequential, or incidental damages, or damages for lost profits, loss of revenue or loss of use, cost of replacement goods, loss or damage to data arising out of the use or inability to use any FPIC Web Site, any FPIC product or service, this includes damages arising from use of or in reliance on the documents or information present on any FPIC Web Site (including any information posted or placed by anyone other than FPIC), even if FPIC has been advised of the possibility of such damages.

FEEDBACK INFORMATION

Any information provided to FPIC in connection with any FPIC Web Site shall be provided by the submitter and received by FPIC on a non-confidential basis. Such information shall be considered non-confidential and property of FPIC. By submitting any such information to FPIC you agree to a no-charge assisgnment to FPIC as all worlwide rights, title and interest in copyrights and other intellectual property rights to the information.

FPIC shall be free to use such information on an unrestricted basis.

TRADEMARKS

A partial list of FPIC's Trademarks appears below, such FPIC Trademarks and any open Trademark displayed on any FPIC Web site are the property of FPIC or their respective owners. No use of any FPIC Trademark or third party is permitted without the prior written consent of FPIC or the third party which may own the Trademark.

LINKS TO THIRD PARTY SITES

FPIC prohibits the use of the FPIC LOGO as a "hot" link to any FPIC Web Site unless the establishment of such a link is approved by FPIC. FPIC Web Sites may contain links to third party sites. Access to any web site linked to any FPIC Web Site is not the responsibility of FPIC and FPIC is not responsible for the accuracy, or reliability of any content on such web sites.

FPIC provides these links merely for convenience and the presence of such third party links are not an endorsement or recommendation by FPIC.

Financial Pacific Insurance Company, Financial Pacific, Financial Pacific Insurance and FPIC are registered trademarks of the Financial Pacific Insurance Company.

Other trademarks are the property of their respective owners.

GOVERNING LAW AND JURISDICTION

This FPIC Web site is controlled by FPIC from its offices in California, United States of America. All matters relating to your access to, or use of any FPIC Web site shall be governed by U.S. federal law or the laws of California. Any legal action or proceeding relating to your access to or use of any FPIC Web site shall be instituted in a state or federal court in Placer County, California.

You and FPIC agree to submit to the jurisdiction of, and agree that venue is proper in these counts in any such legal action or proceeding. You may not access, download, use or export information (including any software, products or services) contained on this FPIC Web site in violoation of U.S. export laws or regulations, or in violation of any applicable laws or regulations

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