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PLEASE READ THE FOLLOWING TERMS OF SERVICE THOROUGHLY BEFORE USING THIS WEB SITE ("WEB SITE"). YOUR ACCESS TO, AND USE OF, THE WEB SITE SHALL BE GOVERNED BY THESE TERMS OF SERVICE. REGARDLESS OF WHETHER YOU PURCHASE OR USE ANY OF THE PRODUCTS OR SERVICES OFFERED ON THIS WEB SITE, YOU AGREE TO USE THIS WEB SITE ON THE CONDITION THAT YOU ACKNOWLEDGE AND AGREE TO ALL OF THE TERMS OF SERVICE SET FORTH HEREIN. IF YOU DO NOT AGREE TO THESE TERMS DO NOT USE OR ACCESS THIS WEB SITE IN ANY WAY.

Compliance with Laws and Regulations.
This Web Site is owned and operated by Residential First Lending Corporation. Your access to and use of this Web Site is subject to all applicable federal, state, local, and international laws and regulations.

Intellectual Property
This Web Site displays certain trademarks, service marks, logos, copyrighted phrases, and other materials ("Intellectual Property"). You may not use any of the Intellectual Property without the prior written permission of the owner of the Intellectual Property. The information and content of this Web Site including the phrase "amortization disparity", other products, services, marketing plans, proprietary technology, processes, programs, or procedures ("Content"), are protected by copyright. You may not copy, distribute, display, publish, sell, license, or otherwise use any Content available on or through this Web Site for commercial or public purpose.

No Warranties
All Content displayed on this Web Site or obtained from a web site to which this Web Site is linked (a "Linked Site") is provided "as is" without warranty of any kind, express or implied, including but not limited to, warranties of non-infringement, merchantability, fitness for a particular purpose, security, or accuracy. Residential First Lending does not warrant nor is it responsible for the accuracy or reliability of any Content or any product or service shown on this Web Site or a Linked Site.

Limitation of Liability
Neither Residential First Lending nor any of its employees, agents, successors, assigns, affiliates, or content or service providers shall be liable to you or any other third party for damages of any kind arising out of, or relating to, the use or the inability to use this site, its content or links, including but not limited to all damages caused by or related to errors, omissions, interruptions, defects, delay in operation or transmission, computer virus, line failure, and all other direct, indirect, special, incidental, exemplary or consequential damages even if Residential First Lending has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you. Notwithstanding the foregoing, Residential First Lending 's total liability to you for all losses, damages, and causes of action, including but not limited to those based on contract, tort or otherwise, arising out of your use of this site, its content or links, shall not exceed the total amount you paid to access this site.

Privacy
Except as may otherwise be required by law, Residential First Lending does adhere to the Privacy Policy posted on this Web Site. You acknowledge that you have read and agree to the Privacy Policy. You should be aware, however, that a Linked Site may contain privacy policies that differ from the Privacy Policy on this Web Site. Residential First Lending is not responsible for any of those other sites' privacy policies and expressly disclaims any liability related to such policies.

Security
You are responsible for maintaining the confidentiality of any username, password, or other security measure or device you may obtain from Residential First Lending, and for preventing the disclosure or release to any third party. If your username, password, or any other security device is stolen or otherwise compromised, you should report this situation by contacting Residential First Lending.

Linked Sites
This Web Site may contain links to other Internet sites not operated by Residential First Lending. Residential First Lending is not responsible for the availability or reliability of the contents of any outside site. Reference to any external services, products and hypertext links to third parties does not constitute or imply an endorsement, sponsorship or recommendation of, or affiliation with the third party or its products and services by Residential First Lending. Residential First Lending makes no representation or warranty as to any third party Content, products or services, and you agree that Residential First Lending shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any third-party Content, products or services.

Unauthorized Links
Residential First Lending prohibits any unauthorized hypertext links to this Web Site or the framing of any Content available through this Web Site. Residential First Lending reserves the right to disable all unauthorized links or frames.

Use of Cookies
Residential First Lending reserves the right to store information on your computer in the form of a "cookie" or similar file or device for the purpose of enabling this Web Site to enhance your browsing experience and track your navigation preferences on this Web Site. If you do not wish to permit "cookies" to be stored on your computer, you may disable them by following the instructions provided with your browser software. However, if you elect to disable "cookies," please be aware that you will not be able to use certain Web sites and that your browsing experience on this Web Site and other sites may suffer.

Changes to Terms of Service
Residential First Lending reserves the right to revise these Terms of Service at any time. When you visit this Web Site, you are deemed to be apprised of and bound by any such changes.

Governing Law
These Terms of Service will be interpreted under the laws of the United States and the State of California.

Indemnification
You will indemnify and hold Residential First Lending harmless from and against any third-party claims, demands, losses, liability, damages, or expenses (including reasonable attorney's fees) arising from your violation of these Terms of Service.

Violation of Terms of Service
Residential First Lending reserves the right to pursue all remedies available for any violation of these Terms of Service, including the right to block access from a particular Internet address to this Web Site.

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