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TERMS OF USE

THE CARMEL ASSET MANAGEMENT, LLC WEBSITE (WWW.CARMELASSET.COM) DOES NOT CONTAIN AN OFFER TO SELL INTEREST IN ANY FUND OR INVESTMENT MANAGED BY CARMEL ASSET MANAGEMENT, LLC. ANY OFFER TO SELL INTERESTS IN ANY FUND OR INVESTMENT WILL BE MADE BY CONFIDENTIAL MEMORANDUM ONLY.

Access to the Carmel Asset Managment, LLC Website is provided by Carmel Asset Management, LLC. For this agreement, "CAM" shall mean Carmel Asset Management, LLC and its affiliates, and their officers, directors, partners, and employees. The "CAM Website" shall mean the Website of Carmel Asset Management, LLC available to the public and located at www.carmelasset.com.

Use of the CAM Website may be monitored by Carmel Asset Management, LLC. Publishing, transmitting, or reproducing information from the CAM Website without the expressed written consent of CAM is prohibited. Removing or changing any copyright or other notices provided on the CAM Website is prohibited. From time to time, CAM may add, modify, or delete information on the CAM Website. The Terms Of Use do not transfer any rights to the information on the CAM Website. Users of the CAM Website must read and follow the terms and conditions as posted.

CAM makes no warranty concerning the CAM Website. The CAM Website is provided on an "AS IS" basis at your risk. CAM disclaims all warranty of fitness for any purpose, including warranty for use of the CAM Website with respect to correctness, accuracy, completeness, or continued availability.

CAM has no liability to anyone for the failure to provide access to the CAM Website.

CONTACT INFORMATION
Carmel Asset Management, LLC
1120 Avenue of the Americas, Suite 1503
New York, NY 10036
646-201-5200

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