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<p class="MsoNormal" style="line-height: normal;"><strong><span style="font-size: 18pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Legal Statement</span></strong></p>
<p class="MsoNormal" style="line-height: normal;"><strong><span style="font-size: 18pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Disclaimer</span></strong></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Information on this website is provided "AS IS" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. The data set forth herein is for informational purposes only, and no warranty is made that the information is error-free. Please note that once you leave this site, either by using a link we may have provided for your convenience or by specifying your own destination, IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> accepts no responsibility for the content, products and/or services provided at these non-IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> locations. IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> does not control, endorse, promote or have any affiliation with any other website unless expressly stated herein.</span></p>
<p class="MsoNormal" style="line-height: normal;"><strong><span style="font-size: 18pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Limitation of Liability</span></strong></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">IN NO EVENT WILL IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES ARISING OUT OF ANY USE OF THIS WEBSITE, OR ANY OTHER HYPER-LINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES.</span></p>
<p class="MsoNormal" style="line-height: normal;"><strong><span style="font-size: 18pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Ownership</span></strong></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> owns all of the Sites. IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> owns or has rights to all of the wallpaper, icons, characters, artwork, images, graphics, music, text, software and other content of the Sites (the "Content"), and all HTML, CGI and other code and scripts in any format used to implement the Sites (the "Code"). The Content and Code of the Sites are protected by copyright. Except as set forth above, you may not copy, modify, upload, download, transmit, re-publish, display for redistribution to third parties for commercial purposes, or otherwise distribute any Code or Content from the Sites without the prior written agreement of IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong>. You may not use the Content or Code from the Sites for any purpose other than those set forth above. All names, logos and trademarks that appear on the Sites are the property of IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> or are used by IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> under license. You may not use any of the foregoing for any purpose without the prior express written permission of IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong>. Your failure to comply with this Legal Statement will constitute breach of contract and will violate IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong>'s copyright, trademark and other proprietary and industrial property rights.</span></p>
<p class="MsoNormal" style="line-height: normal;"><strong><span style="font-size: 18pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">No License</span></strong></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Except as expressly provided above, nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright or other proprietary or industrial right of IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong>, its affiliates or any third party.</span></p>
<p class="MsoNormal" style="line-height: normal;"><strong><span style="font-size: 18pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Changes to This Site</span></strong></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Information may be changed or updated without notice. IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> has no obligation to update information presented on this website, so information contained herein may be out of date at any given time. IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> may also make improvements and/or changes in the products and/or programs described in this information at any time without notice.</span></p>
<p class="MsoNormal" style="line-height: normal;"><strong><span style="font-size: 18pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Products and Services Offerings</span></strong></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">"IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong>" is the brandname used for products and services provided by one or more of the IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> group of subsidiary companies. These companies include IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong>.</span></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;"><br /> The product and/or services descriptions, if any, provided on this site are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable regulation areas.</span></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;"><br /> Anyone interested in a particular product should contact their local IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> representative to determine whether the product and/or service is available in their jurisdiction, and to request a copy of the applicable policy or prospectus for a complete description of the product and/or service in question.</span></p>
<p class="MsoNormal" style="line-height: normal;"><strong><span style="font-size: 18pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Trademarks</span></strong></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">The IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> logo, and all other trademarks, service marks, trade names, logos, domain names, URLs and icons ("Marks") appearing on this website, registered or not, are the property of IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> Inc. or their respective owners. Nothing on this website grants you any right or license to use any of the Marks on this site without the express written permission of IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> Inc. or the third party owners of the Marks. Unauthorized use may violate trademark and other laws.</span></p>
<p class="MsoNormal" style="line-height: normal;"><strong><span style="font-size: 18pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Not a Solicitation</span></strong></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Nothing in this site should be construed as a solicitation or offer to purchase coverage from IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> or any of its affiliated companies.</span></p>
<p class="MsoNormal" style="line-height: normal;"><strong><span style="font-size: 18pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">Forward-Looking Statements.</span></strong></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">This Site may contain forward-looking statements within the meaning of the federal securities laws that involve material risk and uncertainties. Many possible events or factors could affect our future financial results and performance, such that our actual results and performance may differ materially. As such, no forward-looking statement can be guaranteed. Differences in operating results may arise as a result of a number of factors including, without limitation, seasonality, adverse changes in the competitive and economic conditions in domestic and international markets, actions of our major distributors, manufacturing and production delays or difficulties, and forecast. Forward-looking statements typically are identified by the use of terms such as "may," "will," "should," "might," "expect," "anticipate," "estimate" and similar words, although some forward-looking statements are expressed differently. The risks described under "Risk Factors" and in other sections of our annual report on Form 10-K and in other reports and registration statements that we file with the Securities and Exchange Commission from time to time should be carefully considered. You are cautioned not to place undue reliance on these forward-looking statements, which reflect management's analysis only as of the date that the forward-looking statement is made. IGLESIA HISPANA CORNERSTONE A.G.<strong><em>™</em></strong> undertakes no obligation to publicly release the results of any revision of the forward-looking statements.</span></p>
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<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;,&quot;serif&quot;;">The material and information presented on this Site is for general reference and informational purposes only and is not intended to offer specific tax, investment or legal advice of any kind.</span></p>
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