Last Updated: June 7th, 2024

Please read these Terms of Use (the “Terms”) carefully. Your use of the Site (as defined below) constitutes your consent to these Terms.

These Terms are between you and Manna Tree Partners (“Manna Tree” or “we” or “us”) concerning your use of (including any access to) the Manna Tree site currently located at https://mannatreepartners.com (together with any materials and services available therein, and successor site(s) thereto, the “Site”). These Terms hereby incorporate by this reference any additional terms and conditions posted by us through the Site, or otherwise made available to you by us.

By using the Site, you affirm that you are of legal age to enter into these Terms.

If you are an individual accessing or using the site on behalf of, or for the benefit of, any corporation, partnership or another entity with which you are associated (and “Organization”), then you are agreeing to these Terms of behalf of yourself and such Organization, and you represent and warrant that you have the legal authority to bind such Organization to these Terms. References to “you” and “your” in these terms will refer to both the individual using the Site and to any such Organization.

These Terms contain a mandatory arbitration provision that, as further set forth in Section 17 below, requires the use of arbitration on an individual basis to resolve disputes, rather than jury trials or any other court proceedings, or class actions of any kind.

NO INVESTMENT ADVICE OR RECOMMENDATIONS

This Site is for general informational purposes only and does not provide any specific investment advice or strategy recommendations. Nothing contained in this Site constitutes investment, legal or tax advice. Neither the information, nor any opinion contained in the Site constitutes a solicitation or offer by Manna Tree or any fund or other entity managed directly or indirectly by Manna Tree, to buy or sell any securities, futures, options, or other financial instruments.

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS, ACTUAL RESULTS MAY VARY.  Investment in interests, goods, or services that depend on future events and unknown factors is speculative and involves significant risks, including the risk of loss of the entire investment. Any information contained in this Site is not indicative of the results that Manna Tree may be able to achieve and does not guarantee Manna Tree’s performance. Any projection, forecast, or return on investment illustrations delivered by or on behalf of Manna Tree is for illustrative purposes only, and actual results may vary materially from anticipated returns. There can be no assurance that the funds by Manna Tree will perform as well as past investments by Manna Tree or that the funds managed by Manna Tree will be able to avoid losses or that the funds managed by Manna Tree will be able to make investments similar to the past investments of Manna Tree.

Under no circumstances is the information in this Site to be used, considered, or relied upon as legal, tax or investment advice or as an offer to sell or a solicitation of an offer to buy, any security and this Site is not a recommendation or commitment on the part of Manna Tree. An investment in funds managed by Manna Tree may not be suitable for all investors, and prospective investors should conduct their own investigation and consult their professional advisors on the suitability, legal, tax, and economic consequences of an investment in the funds managed by Manna Tree. You agree that Manna Tree is not liable for any action you take or decision you make in reliance on any content in this Site. Manna Tree will not treat users of the Site as its partners, clients, customers, or investors by virtue of their accessing the Site.

This Site may contain “forward-looking statements.” These statements contain or express Manna Tree’s intentions, beliefs, expectations, strategies, or predictions for the future and may contain such words as “believes”, “anticipates”, “expects”, “estimates”, “intends”, “projects”, “plans”, “will be”, “would result” or other similar expressions of future conditions or conditional verbs such as “should”, “would”, “could” or “may”. These forward-looking statements are based on Manna Tree’s current beliefs, assumptions, and expectations. Actual results may differ materially as a result of several factors.

You alone assume sole responsibility for evaluating the merits and risks associated with the use of any Site or Services before making any decision relating thereto. As a condition of using this Site or any Services on the Site, you agree not to hold Manna Tree or any of its service providers liable for any possible claim for damages arising from your actions or any decision or you make based on information made available to you through the Site.

Changes

We may change these Terms from time to time by notifying you of such changes by any reasonable means, including by posting revised Terms through the Site. Any such changes will not apply to any Dispute between you and us arising prior to the date on which we posted the revised Terms incorporating such changes, or otherwise notified you of such changes.

Your use of the Site following any changes to these Terms will constitute your acceptance of such changes. The “Last Updated” legend above indicates when these Terms were last changed. We may, at any time and without liability, modify or discontinue all or part of the Site (including access to the Site via any third-party links); charge, modify or waive any fees required to use the Site; or offer opportunities to some or all Site users. If you do not agree to the amended Terms, you must stop using our Service.

Information Submitted Through the Site

Your submission of information through the Site is governed by Manna Tree’s Privacy Policy, located at https://mannatreepartners.com/privacy-policy/ (the “Privacy Policy”). You represent and warrant that any information you provide in connection with the Site is and will remain accurate and complete, and that you will maintain and update such information as needed.

User Accounts and Account Security

You may need to register for an account to access some or all of our Services. If you register for an account, you must provide accurate account information and promptly update this information if it changes. You also must maintain the security of your account and promptly notify us if you discover or suspect that someone has accessed your account without your permission. If you permit others to use your account credentials, you are responsible for the activities of such users that occur in connection with your account. We are not responsible for any use or misuse of your account credentials. We may reject, or require that you change, any username, password, or other information that you provide to us in registering. We reserve the right to reclaim usernames, including on behalf of businesses or individuals that hold legal claim, including trademark rights, in those usernames.

Jurisdictional Issues

The Site is controlled or operated (or both) from the United States and is not intended to subject Manna Tree to any non-U.S. jurisdiction or law. The Site may not be appropriate or available for use in some non-U.S. jurisdictions. Any use of the Site is at your own risk, and you must comply with all applicable laws, rules, and regulations in doing so. We may limit the Site’s availability at any time, in whole or in part, to any person, geographic area or jurisdiction that we choose.

Prohibited Conduct and Content

You will not violate any applicable law, contract, intellectual property right or other third-party right or commit a tort, and you are solely responsible for your conduct while using our Services.

In connection with the Site, you will not:

• Use or attempt to use another user’s account without authorization from that user and Manna Tree;
• Impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity;
• Use the Site for any purpose that is fraudulent or otherwise tortious or unlawful;
• Reproduce, modify, adapt, translate, create derivative works of, sell, rent, lease, loan, timeshare, distribute or otherwise exploit any portion of (or any use of) the Site except as expressly authorized herein, without Manna Tree’s express prior written consent; Remove any copyright, trademark or other proprietary rights notice from the Site;
• Use our Services other than for their intended purpose and in any manner that could interfere with, disrupt, negatively affect, or inhibit other users from fully enjoying our Services or that could damage, disable, overburden, or impair the functioning of our Services in any manner;
• Reverse engineer, decompile or disassemble any portion of the Site, except where such restriction is expressly prohibited by applicable law;
• Use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or otherwise gather Site content, or reproduce or circumvent the navigational structure or presentation of the Site, without Manna Tree’s express prior written consent. Notwithstanding the foregoing, and subject to compliance with any instructions posted in the robots.txt file located in the Site’s root directory, Manna Tree grants to the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose of (and solely to the extent necessary for) creating publicly available, searchable indices of such materials, but not caches or archives of such materials. Manna Tree reserves the right to revoke such permission either generally or in specific cases, at any time and without notice.;
• Frame or mirror any portion of the Site, or otherwise incorporate any portion of the Site into any product or service, without Manna Tree’s express prior written consent;
• Systematically download and store Site content;
• Interfere with or disrupt the operation of the Site or the servers or networks used to make the Site available, including by hacking or defacing any portion of the Site; or violate any requirement, procedure or policy of such servers or networks;
• Restrict or inhibit any other person from using the Site;
• Harvest or collect information about users of the Site;
• Post, transmit or otherwise make available through or in connection with the Site any materials that are or may be: (a) threatening, harassing, degrading, hateful or intimidating, or otherwise fail to respect the rights and dignity of others; (b) defamatory, libelous, fraudulent or otherwise tortious; (c) obscene, indecent, pornographic or otherwise objectionable; or (d) protected by copyright, trademark, trade secret, right of publicity or privacy or any other proprietary right, without the express prior written consent of the applicable owner;
• Post, transmit or otherwise make available through or in connection with the Site any virus, worm, Trojan horse, Easter egg, time bomb, spyware or other computer code, file or program that is or is potentially harmful or invasive or intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment (each, a “Virus”);
• Develop or use any applications that interact with our Services without our prior written consent;
• Send, distribute, or post spam, unsolicited or bulk commercial electronic communications, chain letters, or pyramid schemes;
• Bypass or ignore instructions contained in our robots.txt file; or
• Use our Services for any illegal or unauthorized purpose, or engage in, encourage, or promote any activity that violates these Terms.

Section 3 does not create any private right of action on the part of any third party or any reasonable expectation that the Services will not contain any content that is prohibited by such rules.

You are responsible for obtaining, maintaining, and paying for all hardware and all telecommunications and other services needed to use the Site.

Services

The Site may make available listings and descriptions of services (collectively, “Services”), as well as references and links to Services. We make no representations as to the completeness, accuracy, reliability, validity or timeliness of such listings or descriptions (including any features, specifications and prices contained therein). Such information and the availability of any Service are subject to change at any time without notice. It is your responsibility to ascertain and obey all applicable local, state, federal and foreign laws (including minimum age requirements) regarding the purchase, possession, and use of any Service.

Our Proprietary Rights

We and our suppliers own the Site, which is protected by proprietary rights and laws. Our trade names, trademarks, and service marks include “Manna Tree,” “Manna Tree Partners,” “Manna Tree Health”, and “ESG+H”, and our other logos, our product or service names, our slogans. You may not copy, imitate, or use our trade names, trademarks, and service marks, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned on the Services are the property of their respective owners. Reference to any products, services, processes or other information by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship, or recommendation by us. You may not use our trade names, trademarks, service marks or logos in connection with any product or service that is not ours, or in any manner that is likely to cause confusion. Nothing contained on the Site should be construed as granting any right to use any trade names, trademarks, service marks or logos without the express prior written consent of the owner.

Feedback

You may voluntarily post, submit or otherwise communicate to us any questions, comments, suggestions, ideas, original or creative materials or other information about Manna Tree or our Services (collectively, “Feedback”). You understand that we may use such Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you, including to develop, copy, publish, or improve the Feedback in Manna Tree’s sole discretion. You understand that Manna Tree may treat Feedback as nonconfidential and that your provision of such Feedback is gratuitous, unsolicited and without restriction, and does not place Manna Tree under any fiduciary or other obligation.

Monitoring

We may (but have no obligation to) analyze your access to or use of the Site. We may disclose information regarding your access to and use of the Site, and the circumstances surrounding such access and use, to anyone for any reason or purpose.

Your Limited Rights

Subject to your compliance with these Terms, and solely for so long as you are permitted by Manna Tree to use the Site, you may view one (1) copy of any portion of the Site to which we provide you access under these Terms, on any single device, solely for your personal use.

Third-Party Content

Certain Site functionality may make available access to information, products, services, and other materials made available by third parties (“Third-Party Materials”) or allow for the routing or transmission of such Third-Party Materials, including via links. By using such functionality, you are directing us to access, route and transmit to you the applicable Third-Party Materials.

We neither control nor endorse, nor are we responsible for, any Third-Party Materials, including the accuracy, validity, timeliness, completeness, reliability, integrity, quality, legality, usefulness or safety of Third-Party Materials, or any intellectual property rights therein. Certain Third-Party Materials may, among other things, be inaccurate, misleading, or deceptive. Nothing in these Terms shall be deemed to be a representation or warranty by Manna Tree with respect to any Third-Party Materials. We have no obligation to monitor Third-Party Materials, and we may block or disable access to any Third-Party Materials (in whole or part) through the Site at any time. In addition, the availability of any Third-Party Materials through the Site does not imply our endorsement of, or our affiliation with, any provider of such Third-Party Materials, nor does such availability create any legal relationship between you and any such provider.

Your use of Third-Party Materials is at your own risk and is subject to any additional terms, conditions, and policies applicable to such Third-Party Materials (such as terms of service or privacy policies of the providers of such Third-Party Materials).

Indemnification

To the fullest extent permitted by applicable law, you will indemnify, defend and hold harmless Manna Tree and our subsidiaries and affiliates, and each of our respective officers, directors, agents, partners and employees and their respective successors and assigns (individually and collectively, the “Manna Tree Parties”) from and against any losses, liabilities, claims, demands, damages, expenses or costs (including attorneys’ fees) (“Claims”) arising out of or related to (a) your use of, or activities in connection with, the Site; (b) your Feedback; (c) your violation or alleged violation of these Terms; or (d) your violation, misappropriation or infringement of any rights of another (including intellectual property rights or privacy rights); or (e) your access to or use of the Services and your conduct in connection with the Services. You agree to cooperate with Manna Tree Parties in defending any third-party Claims. You also agree that the Manna Tree Parties will have control of the defense or settlement, at Manna Tree’s sole option, of any third-party Claims. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and Manna Tree or the other Manna Tree Parties.

Disclaimers

To the fullest extent permitted under applicable law: (a) the Site, Services and Third-Party Materials are made available to you on an “as is,” “where is” and “where available” basis, without any warranties of any kind, whether express, implied or statutory; and (b) Manna Tree disclaims all warranties with respect to the Site, Services, and any Third-Party Materials, including the warranties of merchantability, fitness for a particular purpose, non-infringement and title. All disclaimers of any kind (including in this section and elsewhere in these Terms) are made for the benefit of the Manna Tree Parties and their respective licensors, suppliers and service providers (collectively, the “Affiliated Entities”).

While we try to maintain the timeliness, integrity, and security of the Site, we do not guarantee that the Site is or will remain updated, complete, correct, or secure, or that access to the Site will be uninterrupted. The Site may include inaccuracies, errors and materials that violate or conflict with these Terms. Additionally, third parties may make unauthorized alterations to the Site. If you become aware of any such alteration, contact us at info@mannatreepartners.com with a description of such alteration and its location on the Site.

Limitation of Liability

To the fullest extent permitted under applicable law: (a) Manna Tree will not be liable for any indirect, incidental, consequential, special, exemplary or punitive damages of any kind, under any contract, tort (including negligence), strict liability or other theory, including damages for loss of profits, use or data, loss of other intangibles, loss of security of submissions (including unauthorized interception by third parties of any submissions), even if advised in advance of the possibility of such damages or losses; (b) without limiting the foregoing, Manna Tree will not be liable for damages of any kind resulting from your use of or inability to use the Site or from any Services or Third-Party Materials, including from any Virus that may be transmitted in connection therewith; (c) your sole and exclusive remedy for dissatisfaction with the Site or any Services or Third-Party Materials is to stop using the Site; and (d) the maximum aggregate liability of Manna Tree for all damages, losses and causes of action, whether in contract, tort (including negligence) or otherwise, shall be the greater of (a) $500; and (b) total amount, if any, paid by you to Manna Tree to use the Site. All limitations of liability of any kind (including in this section and elsewhere in these Terms) are made for the benefit of both Manna Tree and the Affiliated Entities.

Termination

These Terms are effective until terminated. Manna Tree may terminate or suspend your use of the Site at any time and without prior notice, for any or no reason, including if Manna Tree believes that you have violated or acted inconsistently with the letter or spirit of these Terms. Upon any such termination or suspension, your right to use the Site will immediately cease, and Manna Tree may, without liability to you or any third party, immediately deactivate or delete your username, password and account, and all associated materials, without any obligation to provide any further access to such materials. Sections 1, 3–10, 10–24 shall survive any expiration or termination of these Terms.

Dispute Resolution; Binding Arbitration

Please read the following section carefully because it requires you to arbitrate certain disputes and claims with Manna Tree and limits the manner in which you can seek relief from us, unless you opt out of arbitration by following the instructions set forth below. No class or representative actions or arbitrations are allowed under this arbitration provision. In addition, arbitration precludes you from suing in court or having a jury trial.

• No Representative Actions. You and Manna Tree agree that any dispute arising out of or related to these Terms or our Services, including disputes related to privacy and data security (each, a “Dispute”) is personal to you and Manna Tree and that any dispute will be resolved solely through individual action, and will not be brought as a class arbitration, class action or any other type of representative proceeding.
• Arbitration of Disputes. Except for small claims disputes in which you or Manna Tree seeks to bring an individual action in small claims court located in the county of your billing address or disputes in which you or Manna Tree seeks injunctive or other equitable relief for the alleged infringement or misappropriation of intellectual property, you and Manna Tree waive your rights to a jury trial and to have any other Dispute resolved in court. Instead, for any Dispute that you have against Manna Tree you agree to first contact Manna Tree and attempt to resolve the Dispute informally by sending a written notice of your Dispute (“Notice”) to Manna Tree by certified mail addressed to 352 E. Meadow Drive, Vail, Colorado 81657. The Notice must (a) include your name, residence address, email address, and telephone number; (b) describe the nature and basis of the Dispute; and (c) set forth the specific relief sought. Our notice to you will be similar in form to that described above. If you and Manna Tree cannot reach an agreement to resolve the Dispute within thirty (30) days after such Notice is received, then either party may submit the Dispute to binding arbitration administered by JAMS or, under the limited circumstances set forth above, in court. All Disputes submitted to JAMS will be resolved through confidential, binding arbitration before one arbitrator. Arbitration proceedings will be held in Denver, Colorado, unless you are a consumer, in which case you may elect to hold the arbitration in your county of residence. For purposes of this Section 13, a “consumer” means a person using the Services for personal, family or household purposes. You and Manna Tree agree that Disputes will be held in accordance with the JAMS Streamlined Arbitration Rules and Procedures (“JAMS Rules”). The most recent version of the JAMS Rules are available on the JAMS website and are hereby incorporated by reference. You either acknowledge and agree that you have read and understand the JAMS Rules or waive your opportunity to read the JAMS Rules and waive any claim that the JAMS Rules are unfair or should not apply for any reason.
• You and Manna Tree agree that these Terms affect interstate commerce and that the enforceability of this Section 13 will be substantively and procedurally governed by the Federal Arbitration Act, 9 U.S.C. § 1, et seq. (the “FAA”), to the maximum extent permitted by applicable law. As limited by the FAA, these Terms and the JAMS Rules, the arbitrator will have exclusive authority to make all procedural and substantive decisions regarding any Dispute and to grant any remedy that would otherwise be available in court, including the power to determine the question of arbitrability. The arbitrator may conduct only an individual arbitration and may not consolidate more than one individual’s claims, preside over any type of class or representative proceeding, or preside over any proceeding involving more than one individual.
• The arbitration will allow for the discovery or exchange of non-privileged information relevant to the Dispute. The arbitrator, Manna Tree, and you will maintain the confidentiality of any arbitration proceedings, judgments, and awards, including information gathered, prepared, and presented for purposes of the arbitration or related to the Dispute(s) therein. The arbitrator will have the authority to make appropriate rulings to safeguard confidentiality unless the law provides to the contrary. The duty of confidentiality does not apply to the extent that disclosure is necessary to prepare for or conduct the arbitration hearing on the merits, in connection with a court application for a preliminary remedy or in connection with a judicial challenge to an arbitration award or its enforcement, or to the extent that disclosure is otherwise required by law or judicial decision.
• You and Manna Tree agree that for any arbitration you initiate, you will pay the filing fee (up to a maximum of $250 if you are a consumer), and Manna Tree will pay the remaining JAMS fees and costs. For any arbitration initiated by Manna Tree, Manna Tree will pay all JAMS fees and costs. You and Manna Tree agree that the state or federal courts of the State of Colorado and the United States sitting in Denver, Colorado have exclusive jurisdiction over any appeals and the enforcement of an arbitration award.
• Any Dispute must be filed within one year after the relevant Dispute arose; otherwise, the Dispute is permanently barred, which means that you and Manna Tree will not have the right to assert the Dispute.
• You have the right to opt out of binding arbitration within thirty (30) days of the date you first accepted the terms of this Section 17 by certified mail addressed to 352 E. Meadow Drive, Vail, Colorado 81657. In order to be effective, the opt-out notice must include your full name and address and clearly indicate your intent to opt out of binding arbitration. By opting out of binding arbitration, you are agreeing to resolve Disputes in accordance with Section 18.
• If any portion of this Section 17 is found to be unenforceable or unlawful for any reason, (a) the unenforceable or unlawful provision shall be severed from these Terms; (b) severance of the unenforceable or unlawful provision shall have no impact whatsoever on the remainder of this Section 17 or the parties’ ability to compel arbitration of any remaining Disputes on an individual basis pursuant to this Section 17; and (c) to the extent that any Disputes must therefore proceed on a class, collective, consolidated, or representative basis, such Disputes must be litigated in a civil court of competent jurisdiction and not in arbitration, and the parties agree that litigation of those Disputes shall be stayed pending the outcome of any individual Dispute in arbitration. Further, if any part of this Section 17 is found to prohibit an individual Dispute seeking public injunctive relief, that provision will have no effect to the extent such relief is allowed to be sought out of arbitration, and the remainder of this Section 17 will be enforceable.

Governing Law and Venue

Any dispute arising from these Terms and your use of the Services will be governed by and construed and enforced in accordance with the laws of Colorado, except to the extent preempted by U.S. federal law, without regard to conflict of law rules or principles (whether of Colorado or any other jurisdiction) that would cause the application of the laws of any other jurisdiction. Any dispute between the parties that is not subject to arbitration or cannot be heard in small claims court will be resolved in the state or federal courts of Colorado and the United States, respectively, sitting in Denver, Colorado.

Filtering

We hereby notify you that parental control protections (such as computer hardware, software, or filtering services) may be commercially available to assist you in limiting access to material that is harmful to minors. Information identifying current providers of such protections should be available at https://en.wikipedia.org/wiki/Comparison_of_content-control_software_and_providers. Please note that Manna Tree does not endorse any of the products or services listed on such site.

Information or Complaints

If you have a question or complaint regarding the Site, please send an e-mail to info@mannatreepartners.com. You may also contact us by writing to 352 E. Meadow Drive, Vail, Colorado 81657, or by calling us at (970) 837-3027. Please note that e-mail communications will not necessarily be secure; accordingly, you should not include credit card information or other sensitive information in your e-mail correspondence with us. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

Additional Terms and Amendments

We may supply different or additional terms in relation to some of our Services, and those different or additional terms become part of your agreement with us if you use those Services. If there is a conflict between these Terms and the additional terms, the additional terms will control for that conflict.

Severability

If any provision or part of a provision of these Terms is unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions.

Miscellaneous

These Terms do not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency or franchisor-franchisee relationship between you and Manna Tree. Except as otherwise provided herein, these Terms are intended solely for the benefit of the parties and are not intended to confer third-party beneficiary rights upon any other person or entity. You may not assign, transfer, or sublicense any or all of your rights or obligations under these Terms without our express prior written consent. We may assign, transfer or sublicense any or all of our rights or obligations under these Terms without restriction. No waiver by either party of any breach or default under these Terms will be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained herein is for convenience only, and in no way defines or explains any section or provision. All terms defined in the singular shall have the same meanings when used in the plural, where appropriate and unless otherwise specified. Any use of the term “including” or variations thereof in these Terms shall be construed as if followed by the phrase “without limitation.” These Terms, including any terms and conditions incorporated herein, is the entire agreement between you and Manna Tree relating to the subject matter hereof, and supersedes any and all prior or contemporaneous written or oral agreements or understandings between you and Manna Tree relating to such subject matter. Notices to you (including notices of changes to these Terms) may be made via posting to the Site or by e-mail (including in each case via links), or by regular mail. Without limitation, a printed version of these Terms and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Manna Tree will not be responsible for any failure to fulfill any obligation due to any cause beyond its control. You agree that communications and transactions between us may be conducted electronically.

Site © 2019-2025 Manna Tree Partners, unless otherwise noted. All rights reserved.