Knox Associates, LLC, its agents and subsidiaries provide Internet web based software and support services through United First Financial.  Knox Associates, LLC does not provide accounting, tax, legal, real-estate, mortgage, or investment advice.  Interested parties should seek and consult with persons or entities licensed and qualified in those areas for advice relating to those matters.  Knox Associates, LLC and United First Financial are not liable or responsible for claims or representations made by any party which are not included in the Money Merge Account Limited Guarantee.