Terms & Conditions of Service

1. Acceptance of Terms

By accessing or using the website of Plum Creek Investment Services Inc. (located at plumcreekinvestments.com, "the Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, together with our Privacy Policy and Regulatory Policies. If you do not agree to these terms, you must immediately cease accessing and using the Website.

2. Informational Purposes Only; No Investment Advice

The materials, articles, calculators, market commentary, and interactive tools available on this Website are made available solely for general educational and informational purposes. Nothing contained herein constitutes:

• Personalized investment, legal, tax, or accounting advice;
• A recommendation, endorsement, or sponsorship of any specific equity, ETF, mutual fund, bond, or asset allocation;
• An offer to sell, or a solicitation of an offer to buy, any securities or investment advisory services in any jurisdiction where such offer or solicitation would be unlawful.

An investment advisory relationship with Plum Creek Investment Services Inc. is created only upon the mutual execution of a written Investment Advisory Agreement and delivery of our Form ADV Part 2A disclosure brochure.

3. Regulatory Standing & Fiduciary Standard

Plum Creek Investment Services Inc. operates under the fiduciary standard established by the Investment Advisers Act of 1940. When an advisory agreement is formally in effect, we owe our clients an affirmative duty of utmost good faith, loyalty, and full disclosure of all material facts and conflicts of interest.

Our advisors do not receive commissions, sales incentives, soft-dollar kickbacks, or 12b-1 mutual fund distribution fees. Advisory fees are assessed solely as a transparent percentage of Assets Under Management (AUM) or agreed-upon hourly/project fees.

4. Market & Investment Risk Disclosures

Past performance is no guarantee of future returns. Investing in financial markets involves risk of capital loss, including the possible loss of the principal amount invested. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's portfolio.

Securities and investment products offered through advisory services:

• Are NOT FDIC insured;
• Are NOT deposits or other obligations of, or guaranteed by, any bank or financial institution;
• Are subject to investment risks, including market volatility and potential loss of principal.

5. Third-Party Institutional Custodians

Plum Creek Investment Services Inc. does not maintain physical custody of client funds or securities. All client assets are held in segregated accounts registered in the client's name at independent, qualified institutional custodians, including Charles Schwab & Co., Inc. and Fidelity Institutional.

These third-party custodians provide clients with trade confirmations, monthly account statements, independent online portal access, and SIPC asset insurance coverage up to applicable statutory limits.

6. Client Portals & Electronic Communications

If you access client portals, portfolio performance reports, or secure document vaults linked from this Website, you are responsible for maintaining the confidentiality of your login credentials, passwords, and multi-factor authentication devices. You agree to notify Plum Creek Investment Services immediately of any unauthorized access or security breach.

7. Intellectual Property & Permitted Use

All content on this Website, including text, graphics, logos, custom tools, calculators, layout designs, and software code, is the property of Plum Creek Investment Services Inc. or its licensors and is protected by United States and international copyright, trademark, and intellectual property laws.

You may view, print, or download individual pages for your personal, non-commercial use only, provided you retain all copyright and proprietary notices.

8. Limitation of Liability & Disclaimer of Warranties

The Website and all content, materials, and interactive tools are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. Plum Creek Investment Services Inc. expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no event shall Plum Creek Investment Services Inc., its officers, directors, employees, or agents be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Website.

9. Governing Law & Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Colorado, without giving effect to any principles of conflicts of law. Any legal suit, action, or proceeding arising out of or related to these Terms or the Website shall be instituted exclusively in the state or federal courts located in Douglas County, Colorado.

10. Regulatory Disclosures & Contact Information

Clients and prospective clients may request our latest Form ADV Part 2A Firm Brochure, Part 2B Brochure Supplements, and Form CRS (Client Relationship Summary) free of charge at any time.