Please read these Terms and Conditions carefully

Access to this site is offered to you conditioned on your acceptance, without modification, of the Terms and Conditions set forth below. If you do not agree to the Terms and Conditions below, you should immediately cease use of the site and all information and material you may have obtained from this site. Herbert J. Sims & Co., Inc. reserves the right to change the Terms and Conditions under which this website is offered.

The material on this website has been prepared by Herbert J. Sims & Co., Inc. a broker-dealer registered in the United States. The information on this website is for U.S. residents only. This site has been designed for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security which may be referenced in the site. Such offers can only be made where lawful under applicable law.

Information and opinions are current as of the date of publication and are subject to change without notice. Herbert J. Sims & Co., Inc. does not assume the obligation or responsibility to update and/or amend any such information. All information contained herein is believed to be accurate; however Herbert J. Sims & Co., Inc. and its employees cannot be held liable for any errors.

Herbert J. Sims & Co., Inc. hereby disclaims liability for any information, material, products or services posted or offered at any third party sites linked to this web site. Certain information contained in this web site was prepared from sources believed to be reliable; but it is not guaranteed as to accuracy, and it is not a complete summary of statement of all available data.

Herbert J. Sims & Co., Inc has not reviewed any of the sites linked to this site and is not responsible for the content of off-site pages or any other site linked to the site. Your linking to any off-site pages or other sites is at your own risk.

Illustrations are based on estimated rates of return. There is no guarantee that any investment portfolio will achieve its investment goal, as there is no way to predict future interest rates or rates of return. Past performance may not be indicative of future results.

Investing involves risk, including the potential for principal loss. Different types of investments 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. The purchase and sale of securities should be conducted on an individual basis, considering the risk tolerance and investment objective of each investor and with the advice and counsel of a professional advisor.

Information contained in these sections merely highlights some benefits. There are risks involved with all investments that could include tax penalties and risk/loss of principal.

Bonds contain interest rate risk. A rise in interest rates will usually cause bond prices to decrease. Bonds are subject to market fluctuation and may be worth less if sold prior to maturity. Premium bonds may be worth less upon redemption.

The municipal bond market is volatile and can be significantly affected by adverse tax, legislative or political changes and the financial condition of the issuers of municipal securities.

Interest from tax-free municipal bonds is usually exempt from federal income taxes. Depending upon the investor's state of residence, interest from certain municipal bond issues may be subject to state and local taxes. Certain investors may be subject to the Alternative Minimum Tax on the income from bonds designated as AMT. Discount bonds may be subject to capital gains tax, rates of which vary for individual taxpayers.

Offerings subject to prior sale and market conditions.