R. Thomas Manning Jr., CFA Chief Executive Officer and President (800) 344-3435 x113 Email


Ellen Flaherty Senior Vice President, Chief Operating Officer (800) 356-1781 x152 Email


Robertson P. Breed, CFA Senior Vice President, Portfolio Manager (800) 356-1781 x153 Email

Ellen K. Hazen, CFA Senior Vice President, Portfolio Manager (800) 344-3435 x111 Email

Steven N. Violin, CFA Senior Vice President, Portfolio Manager (800) 344-3435 x107 Email

D.J. Shaughnessy, CFA Vice President, Portfolio Manager (800) 356-1781 x157 Email

Andrew B. Wetzel, CFA Vice President, Portfolio Manager / Senior Research Analyst (800) 344-3435 x105 Email


Scott Mazuzan, CFP® Private Client Advisor (800) 356-1781 x155 Email


John V. Carberry Senior Advisor (800) 344-3435 x101 Email


Susanne Stauffer Senior Portfolio Advisor (800) 344-3435 x197 Email

Christian D. McVey Senior Vice President, Marketing (800) 344-3435 x108 Email


Wendy M. Bush Vice President, Development (800) 356-1781 x158 Email

Michael A. Karlonas Portfolio Accountant (800) 356-1781 x154 Email

Jessie Butler Account Officer, Social Research Analyst (800) 356-1781 x156 Email

Suzanne Carroll Account Officer (800) 344-3435 x109 Email

Lorraine T. Koblantz Account Officer (800) 344-3435 x103 Email

Jonathan Liff Account Officer (800) 344-3435 x106 Email

Katie Smith Account Officer (800) 356-1781 x150 Email

Joanne M. Vacirca Account Officer (800) 344-3435 x110 Email

Maria Bardales Administrative Assistant (800) 344-3435 x104 Email

Judy Huvos Administrative Assistant (800) 344-3435 x100 Email

Rebecca McCormick Administrative Assistant (800) 356-1781 x151 Email

Sarah Robinson Administrative Assistant (800) 356-1781  Email

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

customization
Our approach to investing starts with a simple idea: Each client is different. Customization is the cornerstone of each client relationship. For decades we have built diversified portfolios that are tailored to meet the client’s specific investment goals. We don’t sell products or receive commissions. We have the freedom to choose from a global menu of investments, and the flexibility to adapt portfolios to clients’ social and ethical preferences.

clarity

Clarity and transparency are the building blocks for a long-term relationship. Clarity begins with a conversation where we define goals and create a unique investment policy statement – a roadmap for the investment strategy. From the start, our goal is 100% transparency. There are no hidden costs and the assets are safeguarded by an independent, third-party custodian.

communication
An investment strategy should not be on auto pilot. We are committed to communication; adapting to changing circumstances and reassessing goals. At every stage of the relationship, the client’s primary contact is the Portfolio Manager – the person selecting the investments and shaping the strategy.  No gatekeepers, just one-on-one conversations with an experienced investor.


Copyright © 2016 F.L.Putnam Investment Management Company. All Rights Reserved.

Disclaimer   |  Terms of Use

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R. Thomas Manning Jr., CFA




Chief Executive Officer & President

Mr. Manning, a CFA® charterholder, received his B.A. in economics from Clark University and an M.S. in finance from the Carroll School of Management at Boston College and has more than twenty-five years of experience in leadership positions in the investment management industry. He is responsible for directing the long-term growth and investment strategy for F.L.Putnam. Mr. Manning most recently served as chief investment officer and as a member of the executive committee at Boston Private Wealth LLC, the wealth management division of Boston Private Bank & Trust Company, which managed and advised on over $9 billion in assets. He previously served in the same capacity at Banyan Partners and was the CEO and chief investment officer at Silver Bridge Advisors, a Boston-based boutique investment advisory firm. Earlier in his career, Mr. Manning served as managing director of Portfolio Advisory Services for Bank of America where he oversaw 60 portfolio managers and $26 billion in assets for the Private Banking division. He was also a market investment executive within the Private Clients Group of FleetBoston Financial.

tmanning@flputnam.com     |     (800) 344-3435 x113

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Ellen Flaherty


Senior Vice President, Chief Operating Officer

Ms. Flaherty received her B.S. in accounting from Bentley College and has been with F.L.Putnam since 1990. She has served in various roles at F.L.Putnam and is currently the chief operating officer and chief compliance officer as well as a director of the firm. Ms. Flaherty lives in Scarborough, Maine, with her husband and four sons where she serves on a local youth sports board and participates in several other community activities.


eflaherty@flputnam.com     |     (800) 356-1781 x152

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Robertson P. Breed, CFA


Senior Vice President, Portfolio Manager

Mr. Breed, a CFA® charterholder, received his B.A. in economics from Bowdoin College and an M.B.A. in finance from New York University’s Leonard N. Stern School of Business. Selected for the prestigious E.F.Hutton Principal Training Program in 1985, he gained a broad range of experience in equity, debt, and derivative securities before joining F.L.Putnam in 1991 as an equity analyst. Promoted to portfolio manager in 1994, he is now the firm’s most senior employee at that position. Mr. Breed is a member of the CFA Institute, the Boston Security Analysts Society, and a founding board member of the Maine CFA Society. Among other community involvements, he currently serves on investment committees for the Roman Catholic Diocese of Portland, the Maine Community College System and Maine Initiatives.

rbreed@flputnam.com     |     (800) 356-1781 x153

Hazen Ellen
Ellen K. Hazen, CFA




Senior Vice President, Portfolio Manager

Ms. Hazen received her B.A. from Williams College and her M.B.A. from the Sloan School of Management at MIT. Prior to joining F.L.Putnam, she spent 13 years as a sector portfolio manager and senior equity research analyst at MFS Investment Management and served on the Research Management Committee and the Diversity Committee. She previously held positions at Putnam Investments, Goldman Sachs, and Morgan Stanley. She is a member of the CFA Institute and the Boston Security Analysts Society. She is involved with several non-profit organizations focused on women in the Investment Management industry, including Investing In Girls (IIG) and Smart Woman Securities (SWS).

ehazen@flputnam.com     |     (800) 344-3435 x111

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Steven N. Violin, CFA


Senior Vice President, Portfolio Manager

Mr. Violin received his A.B. with honors in mathematical economics from Colgate University. He also holds a master of science in investment management from Boston University’s Graduate School of Management, where he graduated with high honors as valedictorian of his class. Mr. Violin joined F.L.Putnam in 2000 and is a CFA® charterholder and a member of the CFA Institute and the Boston Security Analysts Society. He currently serves on the board of the Upper Charles Conservation Land Trust and is active in several other charitable and community organizations.

sviolin@flputnam.com     |     (800) 344-3435 x107

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D.J. Shaughnessy, CFA


Vice President, Portfolio Manager

Mr. Shaughnessy, a CFA® charterholder, received his B.A. in economics from the University of Massachusetts and his M.B.A. from the Olin Graduate School of Management at Babson College. Before joining F.L.Putnam he was an analyst for the investment office overseeing the endowment of Bowdoin College. He formerly held the position of vice president and portfolio specialist with Wellington Management Company in Boston and also served as a consultant at Ibbotson Associates in Chicago. Mr. Shaughnessy currently serves on the board of Bath/Brunswick Big Brothers Big Sisters and enjoys coaching youth sports in the town of Brunswick.

dshaughnessy@flputnam.com     |     (800) 356-1781 x157

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Andrew B. Wetzel, CFA




Vice President, Portfolio Manager/ Senior Research Analyst


Mr. Wetzel received his B.S. in business administration with a major in finance from Suffolk University in Boston, Massachusetts and his master of science in investment management from Boston University’s Graduate School of Management. Andrew has led our research department since 2003 and is a portfolio manager for institutional and private clients. He is an expert on Environmental, Social and Governance (ESG) issues as well as Socially Responsible Investing (SRI). Andrew is a CFA® charterholder and a member of the CFA Institute as well as a member of the Boston Security Analysts Society.

awetzel@flputnam.com     |     (800) 344-3435 x105

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Scott Mazuzan, CFP®


Private Client Advisor

Scott, a Private Client Advisor in our Portland office, first joined F.L.Putnam in 2011. A native of Southern Maine, Scott studied psychology and Italian at the University of New Hampshire. During several years working in international and higher education, he traveled extensively – both abroad and in the U.S. After beginning a new career in personal finance, he returned to his home in the Portland area, where he lives with his wife and two sons. Scott received his CFP® certification in 2013, and has been authorized by the Certified Financial Planner Board of Standards (CFP Board) to use the CERTIFIED FINANCIAL PLANNER™ and CFP® certification marks in accordance with CFP Board certification and renewal requirements.

smazuzan@flputnam.com     |     (800) 356-1781 x155

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John V. Carberry




President

Mr. Carberry received his B.A. from Fairfield University and an M.B.A. from the Harvard Business School. Before joining F.L.Putnam, he spent 25 years with Salomon Brothers where he was a managing director. From 1998 to 2000, he was a trustee of the Liberty Funds Group and chairman of the board of the Liberty All-Star Funds. He is currently a corporator of the Partners Healthcare System and an overseer of Newton-Wellesley Hospital, where he was formerly a trustee and vice chairman of the board. Mr. Carberry served as F.L.Putnam’s president from 2001 to 2015.

jcarberry@flputnam.com     |     (800) 344-3435 x101

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Susanne Stauffer


Senior Portfolio Advisor

Ms. Stauffer received her B.A. from Boston University, where she also participated in the university’s MBA program. She has over 30 years of experience in managing portfolios for individuals and institutions at F.L.Putnam, where she is also a director of the firm. In addition, Ms. Stauffer served as vice president of the Advest Advantage Investment Trusts (mutual funds) and as portfolio manager of the Advest Advantage Income Fund from 1984 until 1995. She is a member of the CFA Institute and the Boston Security Analysts Society. She has also served as a governing board and/or finance committee member for several non-profit educational and healthcare institutions.

sstauffer@flputnam.com     |     (800) 344-3435 x197

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Christian D. McVey


Senior Vice President, Marketing

Mr. McVey received his B.A. in political science from Vassar College. He has over 30 years of investment industry experience encompassing sales, portfolio management and client service. Before joining F.L.Putnam, he was the director of marketing at the investment advisory affiliate of one of Boston’s oldest and most respected law firms. He formerly held the position of vice president at Anchor/Russell Capital Advisors. Mr. McVey is a Rotarian and serves as a member of the board of directors of the North Andover Historical Society.

cmcvey@flputnam.com     |     (800) 344-3435 x108

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Wendy M. Bush


Vice President, Development

Ms. Bush received her B.A. in mathematics from Wellesley College, where she was elected to Phi Beta Kappa. Before joining F.L.Putnam, she worked with One Hundred Westminster Street, the trust/private banking division of the former Fleet National Bank in Providence, RI. Ms. Bush continues her long history of community service as a trustee of the YMCA of Southern Maine where she chairs the Endowment Committee. She is a past trustee of the Portland Public Library and continues to be a member of the Finance and Development Committees. In addition, she is a past trustee of Mercy Hospital and currently serves on Mercy Healthcare Foundation.

wbush@flputnam.com     |     (800) 356-1781 x158

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Michael A. Karlonas




Portfolio Accountant

Mike grew up in the Fryeburg, Maine area and earned his bachelor of science in business administration from Saint Joseph’s College of Maine. Mike started with the firm as an intern while at St. Joe’s and has been with F.L.Putnam since 2000.  He has over 13 years of experience in fund accounting and investment operations.  A lifetime New England sports fan, Mike coaches youth sports and lives in Gorham, Maine with his family.

mkarlonas@flputnam.com     |     (800) 356-1781 x154

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Jessie Butler


Account Officer, Social Research Analyst

Jessie is an account officer and social research analyst in our Portland office.  She has been with the firm since 2004.   A native Vermonter, Jessie received her bachelor of science degree in business administration from Lyndon State college in 2000 and has been working in the financial services industry ever since.  Jessie lives in Gorham, ME with her husband and son.  In her spare time, she enjoys beekeeping, gardening and keeping chickens.

jbutler@flputnam.com     |     (800) 356-1781 x156

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Suzanne Carroll


Account Officer 

Suzanne is an account officer in our Wellesley office. She has been with the firm since 2012. Suzanne graduated magna cum laude from Framingham State University where she received her B.S. in business administration. In her free time she enjoys running, baking and playing with her puppy.

scarroll@flputnam.com     |     (800) 344-3435 x109

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Lorraine T. Koblantz


Account Officer

Lorraine is an account officer in our Wellesley office, and has been with the firm since 1987, working at Boston Security Counselors before then. She’s a life-long resident of Massachusetts and graduated from Northeastern University with a bachelor of arts degree, majoring in anthropology. She became interested in the financial field as a co-op student and obtained a stock broker’s license as well. She is still interested in anthropology as a hobby, and is an avid sports fan.

lkoblantz@flputnam.com     |     (800) 344-3435 x103


Jonathan Liff


Account Officer

Jonathan is an account officer in our Wellesley office. Jon joined the firm in 2016. He graduated cum laude from the University of Massachusetts Amherst where he received a B.S. in Sport Management along with a minor in Economics. As a passionate sports fan, in his free time Jon enjoys playing golf and basketball. In addition, Jon enjoys traveling, being outdoors, especially at the beach, and spending time with family and friends.

jliff@flputnam.com     |     (800) 344-3435 x106

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Katie Smith


Account Officer

Katie is an account officer in our Portland office. She has been with the firm since 2014. Katie is originally from Gorham, Maine and attended the University of Maine, where she graduated summa cum laude with a major in Business Management with a concentration in Entrepreneurship and a minor in Innovation Engineering. In her free time she enjoys skiing, snowmobiling, fishing, boating, and spending time with her family and friends.

ksmith@flputnam.com     |     (800) 356-1781 x150

 

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Joanne M. Vacirca


Account Officer

Joanne is an account officer in our Wellesley office. She has been with the firm since 1988. A life-long resident of Boston, Joanne graduated from Boston College with a bachelor of arts degree in mathematics and earned her master’s degree in school administration from Cambridge College. In addition to working at F.L.Putnam, she is a high school math teacher. Joanne is an avid sports fan and enjoys travelling, figure-skating, swimming and spending time with her family.

jvacirca@flputnam.com     |     (800) 344-3435 x110


Maria Bardales


Administrative Assistant

Maria is an administrative assistant for our Wellesley office. She joined the firm in 2015. She graduated from Eastern Nazarene College with a B.A. in Liberal Arts and a minor in Early Childhood education. She holds a Baking and Pastry Certificate from the Culinary Arts school, Le Cordon Bleu, in Cambridge MA. In her spare time she enjoys baking and spending time with friends and family and her cute Chihuahua.

mbardales@flputnam.com     |     (800) 344-3435 x104

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Judy Huvos


Administrative Assistant

Judy is an administrative assistant in our Wellesley office and has been with the firm since 2003. Previously, she worked six years for McQuillan Ventures in Concord, MA. Judy received her bachelor of fine arts from The Boston Conservatory. An avid cook, she currently lives in Needham with her husband and their two sons.

jhuvos@flputnam.com     |     (800) 344-3435 x100

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Rebecca McCormick 


Administrative Assistant

Rebecca is an administrative assistant in our Portland office. She joined the firm in 2014 and previously held positions in the healthcare and insurance industries. Rebecca is native to Maine and received her bachelor’s degree in psychology from Bethel University. She enjoys her yoga practice, cooking, and music.


rmccormick@flputnam.com     |     (800) 356-1781 x151


Sarah Robinson


Administrative Assistant

Sarah is an administrative assistant in our Portland office. She has been with the firm since 2016. Sarah is from Gorham, Maine and attended the University of Maine. She graduated with a double major in New Media and Mass Communications and a minor in Graphic Design. In her spare time she enjoys photography, spending time with her family and friends, and being outdoors.

srobinson@flputnam.com     |     (800) 356-1781

 

F.L.Putnam Investment Management Company is an SEC-registered investment adviser, located in Wellesley, Massachusetts; Portland, Maine; and Portsmouth, New Hampshire.  F.L.Putnam Investment Management Company may only transact business in those states in which it is registered, or qualifies for an exception or exclusion from registration requirements. This website is limited to providing general information about F.L.Putnam Investment Management Company and its investment management and financial advisory services. F.L.Putnam Investment Management Company does not effect transactions in securities, nor render personalized investment advice over the Internet.

AGREEMENT BETWEEN USER AND F.L.Putnam | Investment Management Company

F.L.Putnam Investment Management Company ("Company") only transacts investment advisory business in states where it is properly registered or excluded or exempted from registration requirements. The Company does not effect transactions in securities or render personalized investment advice via its Web Site. This Web Site is limited to providing general information about the Company and its investment advisory services.  No advisory or client relationship is established by any contact initiated via this Web Site, whether by submission of a contact form or otherwise.  Any advisory or client relationship may only be established in accordance with a written agreement that is executed by a client and the Company, and delivery of required disclosure document(s).

This Web Site is comprised of various Web pages, including any blog(s), and offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Company Web Site constitutes your agreement to all such terms, conditions, and notices.


MODIFICATION OF THESE TERMS OF USE

The Company reserves the right to change the terms, conditions, and notices under which the Web Site is offered.


DISCLAIMERS AND DISCLOSURES

Past performance may not be indicative of future results. No current or prospective client or any person should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made referenced to directly or indirectly on this Website, or indirectly via link, if any, to any unaffiliated third-party Website, will be profitable or equal to corresponding indicated performance levels.

Different types of investment involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client’s investment portfolio. No client, prospective client or any person should construe any information presented and/or made available on the Website as investment advice.

Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results.


LINKS TO THIRD PARTY SITES

The Web Site may contain links to other web sites ("Linked Sites"). The Linked Sites are not under the control of the Company and the Company is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. The Company is not responsible for webcasting or any other form of transmission received from any Linked Site. The Company is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by the Company of the site or any association with its operators.


NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Web Site, you warrant to the Company that you will not access or use the Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not access or use the Web Site in any manner which could damage, disable, overburden, or impair the Web Site or interfere with any other party's use and enjoyment of the Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Web Site.


USE OF COMMUNICATION SERVICES

The F.L.Putnam | Investment Management Company Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
Conduct or forward surveys, contests, pyramid schemes or chain letters.
Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
Restrict or inhibit any other user from using and enjoying the Communication Services.
Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
Violate any applicable laws or regulations.
F.L.Putnam | Investment Management Company has no obligation to monitor the Communication Services. However, F.L.Putnam | Investment Management Company reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. F.L.Putnam | Investment Management Company reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

F.L.Putnam | Investment Management Company reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in F.L.Putnam | Investment Management Company's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. F.L.Putnam | Investment Management Company does not control or endorse the content, messages or information found in any Communication Service and, therefore, F.L.Putnam | Investment Management Company specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized F.L.Putnam | Investment Management Company spokespersons, and their views do not necessarily reflect those of F.L.Putnam | Investment Management Company.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.


MATERIALS PROVIDED TO F.L.Putnam | Investment Management Company OR POSTED AT ANY F.L.Putnam | Investment Management Company WEB SITE

F.L.Putnam | Investment Management Company does not claim ownership of the materials you provide to F.L.Putnam | Investment Management Company (including feedback and suggestions) or post, upload, input or submit to any F.L.Putnam | Investment Management Company Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting F.L.Putnam | Investment Management Company, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. F.L.Putnam | Investment Management Company is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in F.L.Putnam | Investment Management Company's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.


LIABILITY DISCLAIMER

THE INFORMATION AVAILABLE THROUGH THE WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Company MAY MAKE IMPROVEMENTS AND/OR CHANGES TO THE WEB SITE AT ANY TIME. THE WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

The Company MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION AND ANY RELATED GRAPHICS CONTAINED ON THE WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. The Company HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO INFORMATION AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE Company BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEB SITE, WITH THE DELAY OR INABILITY TO USE THE WEB SITE OR ANY RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF THE Company HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE Company WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEB SITE.

SERVICE CONTACT : flputnam@flputnam.com


TERMINATION/ACCESS RESTRICTION

The Company reserves the right, in its sole discretion, to terminate your access to the Web Site and the related services or any portion thereof at any time, without notice.

IMPORTANT CHOICE OF LAW, JURISDICTION

To the maximum extent permitted by law, this agreement is governed by the laws of the State of Maine, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Cumberland County, Maine, U.S.A. of all disputes, actions, suits or proceedings arising out of or relating to the use of the Web Site. Use of the Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Company as a result of this agreement or use of the Web Site. The Company's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of the Company's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Web Site or information provided to or gathered by the Company with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. [Unless otherwise specified herein, t][delete] This agreement constitutes the entire agreement between the user and the Company with respect to the Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and the Company with respect to the Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.


COPYRIGHT AND TRADEMARK NOTICES:

All contents of the Web Site are: Copyright 2007 by F.L.Putnam. All rights reserved.


TRADEMARKS

The names of any actual companies and products mentioned herein may be the trademarks of their respective owners.

All rights reserved.


NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.