These Terms of Use ("Terms") govern your access to and use of the website operated by Highmark, LLC d/b/a Highmark ("Highmark," "we," "us," or "our") at highmarkplan.com (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

Use of This Site

This Site is provided for informational purposes only. Nothing on this Site constitutes investment advice, a recommendation or an offer to buy or sell any security or financial product. The content on this Site is not a substitute for professional financial, legal or tax advice.

You may use this Site for lawful purposes only. You agree not to use the Site in any way that could damage, disable or impair its operation, or interfere with any other party's use of the Site.

No Advisory Relationship

Visiting this Site or submitting an inquiry through our contact form does not create an investment advisory relationship between you and Highmark. An advisory relationship is established only through the execution of a written client service agreement.

Any information provided on this Site is general in nature and should not be construed as personalized investment advice. You should consult with a qualified professional before making any financial decisions.

Important Disclosures

Registration. Highmark, LLC d/b/a Highmark is a Registered Investment Advisor in the states of Tennessee and Texas. Registration does not imply a certain level of skill or training. The presence of this Site on the internet shall not be interpreted as a solicitation to provide advisory services in any jurisdiction where Highmark is not properly registered or exempt from registration.

Past Performance. Past performance is no guarantee of future results. Investing involves risk, including the possible loss of principal. No representation is being made that any account will or is likely to achieve results similar to those discussed or referenced on this Site.

Forward-Looking Statements. Any projections, forecasts or estimates contained on this Site are for illustrative purposes only, are based on certain assumptions and current expectations and are not guarantees of future performance. Actual results may differ materially.

Third-Party Content. This Site may contain links to third-party websites or reference third-party content. These are provided for convenience only. Highmark does not endorse, control or assume responsibility for the content, privacy policies or practices of any third-party site. Accessing a third-party site from this Site is at your own risk.

Intellectual Property

All content on this Site, including text, graphics, logos, images and video, is the property of Highmark, LLC or its content providers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify or create derivative works from any content on this Site without prior written permission.

The Highmark name and logo are trademarks of Highmark, LLC. Use of these marks without written authorization is prohibited.

Limitation of Liability

To the fullest extent permitted by law, Highmark shall not be liable for any direct, indirect, incidental, consequential or punitive damages arising out of or related to your use of, or inability to use, this Site. This includes, without limitation, damages for errors, omissions, interruptions, defects or delays in operation.

This Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose or non-infringement.

Regulatory Information

Form ADV. Our Form ADV Part 2A (Firm Brochure) contains important information about our advisory services, fees and business practices. It is available upon request by contacting us directly or through the SEC's Investment Adviser Public Disclosure website at https://adviserinfo.sec.gov.

BrokerCheck. You can research our firm and our representatives through FINRA's BrokerCheck at https://brokercheck.finra.org.

Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date at the top of this page indicates when the Terms were most recently revised. Continued use of the Site after any changes constitutes your acceptance of the revised Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Williamson County, Tennessee.

Contact Us

If you have questions about these Terms, you may contact us at:

Highmark, LLC Franklin, Tennessee

Nathan Rollins, Managing Partner

Phone: (615) 970-8585

Email: nmr@highmarkplan.com

Highmark, LLC d/b/a Highmark is a Registered Investment Advisor. Advisory services are only offered to clients or prospective clients where Highmark and its representatives are properly licensed or exempt from licensure.