Read the following terms and conditions carefully before continuing.  By using this site, you signify acceptance of our Terms and Conditions of Use and agree to electronic delivery of the documents accessible via this site.  If you do not agree to these terms, do not use this site. 

Modification and Monitoring of Website

The Company reserves the right, at its discretion, to change, modify, add to, or remove portions of these terms at any time.  We suggest that you check these terms periodically for changes.  The terms can be accessed from the link at the bottom of our website pages.  If you use this website after we post changes to the terms, you accept the changed terms.  The Company expressly reserves the right to monitor any and all use of this website. 

Copyrights and Restrictions on Use of Materials 

3iCO Securities LLC owns and operates this site.  All trademarks, service marks, and trade names displayed on this site are proprietary to the Company, except as explicitly noted below under "Ownership of Other Materials."  

Restrictions

Other users and sites may not: 

• Copy, reproduce, republish, upload, post, transmit, or distribute in any way material from the Company's website or any website owned, operated, licensed, or controlled by the Company, except as specifically stated below under "Limited Licenses."  
• Copy, modify, or display the Company’s name, logo, text, or graphic images in any way without the Company's express written permission except as set forth in "Limited Licenses." (To obtain express written permission, you can send us an e-mail by clicking on "Contact" at the top of our homepage and then selecting “info@3icosecurities.com".)
• Redeliver any of the pages, text, images, or other content of the Company’s website using "framing" technology without the Company's express written permission. Modify or use the pages, text, images, or other content from the Company's website for any other purpose; doing so is a violation of the Company's copyrights and other proprietary rights. 
• Use devices (including software) that are designed to provide repeated automated access to 3icosecurities.com™ other than those made generally available by the Company. The Company reserves the right to take all measures necessary to prevent such access, including denial or termination of service.  
• Include “3iCO Securities LLC”, “3iCO” or any other Company trademark, any of the Company’s executive's name, or any variation of any of the foregoing, as a metatag, hidden textual element, or any other indicator that may create an impression of affiliation, sponsorship, or endorsement between any user and/or site and the Company.  

Limited Licenses

Limited License for Individuals for Solely Personal Use

Individuals may, for personal use, bookmark or point to any page within the Company’s website.  

Limited Linking License for Other Sites and Other Uses

Commercial and other websites may include a link to the Company’s website (3icosecurities.com™), so long as any such link satisfies all six (6) of the following requirements:  

1. Resolves to the Company’s homepage at 3icosecurities.com. 
2. Indicates clearly that the link will lead to the website of "3iCO Securities LLC."  
3. Does not falsely represent or suggest any relationship between the linking site and the Company (including suggestions of affiliation, endorsement, or sponsorship, unless such relationship legally exists).  
4. Delivers the Company's content outside of a framed environment.  
5. Maintains the integrity of the Company’s layout, content, and look and feel.  
6. Delivers users to the Company website, unaltered, unmodified, unadulterated in any way by the linking site.  
7. A site that complies with all six (6) of the above requirements may also offer a link to other content within the Company's website, so long as any such link also meets requirements two through six (2-6) above. 

This Limited License expressly prohibits the framing of the Company’s content in any way or any other activity, specifically including but not limited to referencing "3iCO Securities" as a metatag, that may create a misimpression or confusion among users with respect to sponsorship or affiliation.  

Downloading Software

If you download software from the Company's website under these terms, the software—including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the "Software")—is licensed to you by the Company for your personal use.  However: 

• MLPW does not transfer title to the Software to you. 
• You own the medium on which the Software is recorded, but the Company retains full and complete title to the Software and all intellectual property rights therein.  
• You may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise reduce the Software to any other form whatsoever.  

Ownership of Other Materials 

 Copyrights

• Verivend, Inc. © 2025 – refer to www.verivend.com  terms of use and Verivend Online Services Agreement.
• Some digital imagery © [NAME]

Trademarks

Adobe®, Acrobat®, Acrobat® Reader, and the Acrobat logo are trademarks of Adobe Systems Incorporated.  

Barron's®, Barron's Online, Dow Jones®, The Wall Street Journal®, and The Wall Street Journal Interactive Edition are trademarks of Dow Jones & Company, Inc.  

Bloomberg.com and Bloomberg Personal Finance® are trademarks of Bloomberg L.P.  

CNBC®, Market Watch, and Today's Business are trademarks of CNBC, Inc.  

College Board® is a trademark of College Entrance Examination Board.  

Consumer Reports® is a trademark of Consumers Union of United States, Inc.  

Financial Analysts Journal® is a trademark of the Association for Investment Management & Research.  

Fitch® is a trademark of Fitch IBCA, Inc.  

Forbes®, Forbes.com, and Forbes Digital Tool® are trademarks of Forbes Management Co., Inc.  

Fortune®, Fortune.com, Money®, and Money.com® are trademarks of Time Inc.  Frank Russell Company is the owner of trademarks and copyrights relating to the Russell Indexes.  

The Hulbert Financial Digest is a trademark of The Hulbert Financial Digest, Inc.  

ICI® is a trademark of Investment Company Institute.  

Intuit®, Quicken®, Quicken® Turbo Tax® for the Web(sm), TurboTax®, and WebTurboTax are trademarks of Intuit Inc.  

Investors Intelligence is a trademark of Chartcraft, Inc.  

Java™ is a trademark of Sun Microsystems, Inc.  

Journal of the American Society of CLU & ChFC is a trademark of The American College.  Kiplinger.com and Kiplinger's Personal Finance Magazine are trademarks of The Kiplinger Washington Editors, Inc.  

Mac® and Macintosh® are trademarks of Apple Computer, Inc.  

Microsoft®, Internet Explorer®, Windows®, and Windows NT® are trademarks of Microsoft Corporation.  

Moody's® is a trademark of Moody's Investors Services, Inc.  

Morningstar®, Morningstar.com, Morningstar.net®, and Morningstar Mutual Funds are trademarks of Morningstar, Inc.  

Mutual Fund Education Alliance® and Mutual Fund Investor's Center are trademarks of The Association of No-Load Funds.  

Mutual Funds Magazine® and Mutual Funds Online are trademarks of The Institute for Econometric Research, Inc.  

Nasdaq® is a trademark of the National Association of Securities Dealers, Inc.  

Nasdaq-100® is a trademark of the Nasdaq Stock Market, Inc.  

The name Navigator Plus is a registered trademark of The Clark Capital Management Group, Inc., and is licensed for use by The Vanguard Group, Inc.  

Netscape Communicator® and Netscape Navigator® are trademarks of Netscape Communications Corporation in the United States and other countries.  

The Journal of Portfolio Management® is a trademark of Institutional Investor, Inc.  The New York Times® and The New York Times on the Web are trademarks of The New York Times Company.  

Pershing® is a trademark of DLJ Long Term Investment Corporation.  

Quote.com® is a trademark of Imperial Bank.  

SmartMoney® and SmartMoney.com are trademarks of SmartMoney, composed of the Hearst Corporation and Dow Jones & Company, Inc.  

Standard & Poor's®, S&P®, S&P 500®, Standard & Poor's 500, 500, S&P MidCap 400, S&P SmallCap 600, and BusinessWeek Online® are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by MLPW. Vanguard mutual funds are not sponsored, endorsed, sold, or promoted by Standard & Poor's, and Standard & Poor's makes no representation regarding the advisability of investing in the funds.  

Wall Street Week® With Louis Rukeyser is a trademark of Maryland Public Broadcasting Commission.  

Wilshire 5000® and Wilshire 4500 are trademarks of Wilshire Associates, Incorporated.

Privacy Policy

See separate policy provided at the bottom of the Company website.

Third-Party Content 

The Company is in no way responsible for the content of any site owned by a third party that may be linked to the Company's website via hyperlink, whether such hyperlink is provided by the Company or by a third party.  No representation or warranty is made with respect to the accuracy, timeliness, or suitability of the content of any site to which 3icosecurities.com™ may link, including information on the site regarding 3icosecurities.com, and the Company takes no responsibility therefor.  By providing access to other websites, neither the Company nor its affiliates is recommending the purchase or sale of any security offered or issued by any company, nor is it endorsing services provided by any website's sponsoring organization.  

The Company is not responsible for the accuracy or completeness of any content that appears on 3icosecurities.com that may be provided by a third party.  

Disclaimers

• There are no implied or expressed warranties with respect to the materials in this site and such materials are provided "as is".  
• 3iCO Securities LLC and its affiliates disclaim, to the fullest extent permitted by the law, any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this site or any services provided through this site, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and noninfringement.  Use of this site is at your own risk.  
• The Company and its affiliates intend that the information contained in this site be accurate and reliable; however, errors sometimes occur.  The Company does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the servers that make it available are free from viruses or other harmful components. 
• You (and not the Company) assume the entire cost of all necessary servicing, repair, or correction of your property or operations as a result of using this website. 
• By using 3iCOsecurities.com, you accept at your own risk that the Internet and online communications medium may not perform as intended despite the efforts of the Company, your Internet service provider, and you.  
• Reference to a fund or security anywhere on this website is not a recommendation to buy, sell, or hold that or any other security. 
• If you live in a state that does not allow disclaimers of implied warranties, our disclaimer may not apply to you.  

Limitation of Liability 

The Company and its affiliates are not liable under any circumstances—including but not limited to negligence—for any special or consequential damages that may result from the use of, or the inability to use, the materials on this site, even if the Company or a Company-authorized representative has been advised of the possibility of such damages.  

The Company and its affiliates are not liable for damages or injury, including but not limited to damages or injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part, from breach of contract, tortious behavior, negligence, or otherwise.  If you live in a state that does not allow the limitation or exclusion of liability or incidental or consequential damages, the above limitation or exclusion may not apply to you.  

In no event shall the Company’s total liability to you for damages, losses, and causes of action—whether in contract, tort (including, but not limited to, negligence), or otherwise—exceed the amount paid by you, if any, for accessing the Company's site.  

Jurisdictional Issues and Applicable Law 

Unless otherwise specified, the Company controls and operates this site from our offices within the Commonwealth of Pennsylvania, United States of America.  

• The Company does not claim that materials in this site are appropriate or available for use in locations other than Pennsylvania.  If you choose to access this site from other locations, you do so on your own initiative, and you are responsible for compliance with any applicable local laws.  
• Software from this site is further subject to United States export controls.  Software from this site may not be downloaded or otherwise exported or re-exported outside the United States.  By downloading or using the Software, you represent and warrant that you are not located in, under the control of, or a national or resident of any country or territory outside of the United States. 
• The laws of the Commonwealth of Pennsylvania govern these terms.  If you take legal action relating to these terms, you agree to file such action only in the Court of Common Pleas of Montgomery County, Pennsylvania, or the United States District Court for the Eastern District of Pennsylvania, and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action.  

Termination

Either party may terminate this agreement at any time by destroying:

• All materials obtained from any Company site. 
• All related documentation, copies, and installations, whether or not made under these terms.  

Company may terminate your rights under this agreement immediately without notice if, in the Company's sole discretion, you fail to comply with any term or provision of this agreement.  Provisions of this agreement that relate to use of information on its website shall survive termination of this agreement.  Upon termination, you must destroy all materials obtained from this or any Company site and all copies of those materials, whether or not they were made under these terms except to the extent those materials contain information personal to you.  

Integration and Severability 

If any provision of these terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions.  

The preceding terms and conditions of use represent the entire agreement between the Company and the user relating to the subject matter herein.

 November 17, 2025