Lodgepine Terms of Use

The Terms of Use (“Terms”) as outlined below govern the use of the Lodgepine.com website (“Site”) by all visitors to the Site. By accessing any part of this Site, you are deemed to have accepted these Terms in full. If you intend to not accept these Terms, you must refrain from using the Site immediately.

References to “Lodgepine” are references to Lodgepine Capital Management Limited, Lodgepine Reinsurance Limited, and Lodgepine Fund Limited collectively.

Content for Informational Purposes Only

The content on this website is provided for general informational purposes, it is not intended as a recommendation or as investment advice of any kind. Such material is not provided in a fiduciary capacity and does not constitute an offer to sell securities or solicitation of an offer to buy or transact in any investment, security, or financial instrument. Past performance is not indicative of future results and should not be used solely as a basis for investment decisions. The opinions or recommendations on this website do not take into account individual circumstances and should not be construed as financial, legal or tax advice. Always consult a financial, tax and/or legal professional regarding your specific situation. The services and funds described on this website are not necessarily available to all persons, or to residents of all jurisdictions. Investing involves risk, including the possible loss of principal.

Ownership of Site and Content

Unless otherwise stated, this Site and all of its contents, including all text, graphic images, html code, presentations, designs, logos, services, technology, information, together with all copyrights, trade and service marks, and other intellectual property rights in such content, are the exclusive property of Lodgepine or third-parties who have granted Lodgepine limited rights to use them.

Any copies of these pages that are saved to a storage medium or which are printed may only be used for personal viewing purposes or for viewing within the firm or organization by which they were saved or stored and may not be distributed to third-parties or sold or otherwise circulated for profit.

Third-Party Content

This website may contain links to other websites which are not maintained by Lodgepine. Lodgepine is not responsible for the content of such websites. The inclusion of any link to such websites does not imply Lodgepine’s approval or endorsement of such sites or the content thereof and are provided only for your convenience. Lodgepine cannot guarantee that the links set out on our website will be accurate at the time of your access. Moreover, the sites pointed at by links have been independently developed and possibly maintained by person(s) over whom Lodgepine has no control.

Lodgepine cannot and does not monitor the third-party sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, Lodgepine assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Lodgepine believes that our making available links to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Press Releases and Investor Relations Materials

All press releases and other investor relations materials on this website speak only as of their original dates. These materials were, to the best of Lodgepine’s knowledge, timely and accurate when issued. However, the passage of time can render information obsolete, and you should not rely on the continued accuracy of any such material beyond the date of issuance.

Lodgepine does not assume any duty of disclosure beyond that which is imposed by law and, except as required by law, expressly disclaims any responsibility to update any information provided on this website. You should carefully check the dates of issuance of the materials contained on this website.

Forward Looking Statements

Statements that are not historical facts — including statements about our beliefs, plans or expectations — are forward-looking statements. These statements are based on current plans, estimates and expectations, all of which involve risk and uncertainty. Statements that include the words “expect,” “intend,” “plan,” “believe,” “project,” “anticipate,” “will” or “may,” or similar statements of a future or forward-looking nature, identify forward-looking statements. Actual results may differ materially from those included in such forward-looking statements, and therefore you should not place undue reliance on them. A non-exclusive list of the important factors that could cause actual results to differ materially from those in such forward-looking statements includes (a) changes in the size of Lodgepine claims relating to catastrophe losses due to the preliminary nature of some reports and estimates of loss and damage to date; (b) trends in rates for property and casualty insurance and reinsurance; (c) the timely and full recoverability of collateral placed by Lodgepine affiliates with third parties or other amounts due to Lodgepine; (d) Lodgepine’s ability to successfully implement its business strategy, especially during a “soft” market cycle; (e) greater frequency or severity of claims and loss activity than Lodgepine affiliates’ underwriting, reserving or investment practices anticipate based on historical experience or industry data; (f) changes in general economic conditions, including the effects of inflation and changes in interest rates, credit spreads, foreign currency exchange rates and future volatility in the world’s credit, financial and capital markets that adversely affect the performance and valuation of Lodgepine’s investments or access to such markets, (g) the potential for changes to methodologies, estimations and assumptions that underlie the valuation of Lodgepine’s financial instruments that could result in changes to investment valuations; (h) the potential effect of regulatory developments in the jurisdictions in which Lodgepine operates, including regulatory developments that could impact the financial markets or increase Lodgepine’s business costs and required capital levels; (i) changes in applicable tax laws, tax treaties or tax regulations or the interpretation or enforcement thereof; and (j) the other factors set forth in the Lodgepine Offering Memorandum. Lodgepine undertakes no obligation to update publicly or revise any forward-looking statement, whether as a result of new information, future developments or otherwise.

Updates

Lodgepine reserves the right to change these Terms in order to address future developments of Lodgepine, the website or changes in industry or legal trends. You are responsible for periodically reviewing these Terms for applicable changes. Your use of this Site following any such change constitutes your agreement to follow and be bound by the Terms as changed. If any portion of these Terms is found to be unenforceable, the remaining sections of the Terms will remain in effect.