FINISTAR WEBSITE TERMS AND CONDITIONS OF USE

Welcome to the Finistar, Inc. (the "FINISTAR") Website. Access to the public section of the FINISTAR Website ("Public Site") is governed by these Terms and Conditions of Use. By accessing the Public Site you agree to be bound by these Terms and Conditions of Use. Your use of the FINISTAR Website is governed by the version of the Terms and Conditions of Use in effect on the date the FINISTAR Website is accessed by you. Access to the members-only section of the FINISTAR Website ("Members-Only Site") is limited to authorized employees of all entities that have entered into Written Agreements with FINISTAR and is governed by the applicable Written Agreement and the Terms and Conditions of Use for the Members-Only Site. You may not obtain or attempt to obtain unauthorized access to the Members-Only Site or any other protected materials or information through any means not intentionally made available by the Network for your specific use.

1. Authorization to Use. You may access and use the Public Site, at your sole risk and responsibility and in compliance with applicable law, only to gain information about the possibility of using services described on the Public Site ("Authorized Purposes"). For Authorized Purposes, you may (a) display the Public Site on a web browser, (b) print pages of the Public Site from a web browser, and (c) forward links to or pages from the Public Site, electronically or in hard copy, to persons within your organization or other persons with whom you have a personal or business relationship if you believe such persons may be interested in the information, so long as you make such persons aware that you are the person who has forwarded the information and so long as you do not remove, conceal, or alter any copyright notice, byline information, disclaimer, restriction, or other notice. FINISTAR may terminate your access to the FINISTAR Website for any reason, without prior notice.



2. Limits on Use. The FINISTAR Website is protected by copyright and other laws and, except as expressly authorized by Section 1, you may not copy, display, print, or distribute all or any part of the Public Site or any other section of the FINISTAR Website, and in no event may you broadcast, decompile, disassemble, perform, publish, rent, reproduce, reverse engineer, sell, transmit, or create derivative works from all or any part of the Website or permit any person to perform any act relating to the FINISTAR Website not authorized by Section 1. As between FINISTAR and you or your employer, FINISTAR solely owns and shall continue solely to own all right, title, and interest, including all intellectual property rights, in and to the FINISTAR Website. You may not use the FINISTAR Website in any manner (i) that could damage or overburden our server(s) or any network connected to any of our servers or (ii) that would or does interfere with another party's use of the FINISTAR Website.



3. Privacy. Your use of the FINISTAR Website may be monitored by or on behalf of FINISTAR to protect security, confidentiality, intellectual property, or other rights or business interests of FINISTAR. Without limiting the foregoing, FINISTAR reserves the right to collect and use for any lawful purpose any data you enter, aggregate data derived from such data, and usage patterns such as click streams. FINISTAR intends to use commercially reasonable efforts to follow the Privacy Policy posted or to be posted on the Public Site, as such Privacy Policy may be changed from time to time at the sole discretion of FINISTAR. Notwithstanding the foregoing, FINISTAR will not bear any responsibility or liability for any information submitted to FINISTAR or for the use or misuse of any information submitted by you or any other person.



4. Availability and Content. FINISTAR makes no representation, warranty, or covenant that the Public Site will be available at all times or at any time. Various circumstances may prevent or delay availability. FINISTAR at any time may discontinue the Public Site in whole or in part, or suspend your access, for any reason or no reason. There may be errors or omissions in the Public Site, and FINISTAR reserves the right, but will not be required, to correct any errors or omissions. FINISTAR will not be responsible for any loss, cost, damage, or liability that may result from any loss or delay of availability, any suspension of access, or any errors or omissions. In addition, FINISTAR will not be responsible for the accuracy, completeness, or timeliness of the Public Site (including any content on it) or for the results obtained from its use.



5. No Professional Advice. FINISTAR does not supply tax, accounting, investment, or legal advice or other professional advice. Without limiting the foregoing, FINISTAR does not offer any professional advice regarding the nature, potential value, or suitability of any particular security, transaction, investment strategy, or other course of action.



6. No Warranties. THE PUBLIC SITE IS PROVIDED "AS IS." FINISTAR MAKES NO REPRESENTATION OR EXPRESS OR IMPLIED WARRANTY OF ANY KIND WHATSOEVER RELATING IN ANY WAY TO THE PUBLIC SITE OR ANY LINKED SITES. FINISTAR DISCLAIMS TO THE MAXIMUM EXTENT PERMITTED BY LAW ANY AND ALL SUCH EXPRESS OR IMPLIED WARRANTIES. WITHOUT LIMITING THE FOREGOING, FINISTAR DISCLAIMS TO THE MAXIMUM EXTENT PERMITTED BY LAW ALL (A) WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, (B) WARRANTIES AGAINST INFRINGEMENT OF ANY THIRD PARTY INTELLECTUAL PROPERTY OR PROPRIETARY RIGHTS OR OF QUIET ENJOYMENT, (C) WARRANTIES RELATING TO DELAYS, INTERRUPTIONS, ERRORS, OR OMISSIONS, AND (D) WARRANTIES OTHERWISE RELATING TO ACCURACY, PERFORMANCE, OR OTHER ACTS OR OMISSIONS BY THE NETWORK.



7. No Liability or Damages. FINISTAR SHALL HAVE NO LIABILITY TO YOU OF ANY KIND RELATING TO, RESULTING FROM, OR IN CONNECTION WITH THE PUBLIC SITE (INCLUDING BUT NOT LIMITED TO ANY CONTENT ON IT OR THE RESULTS OBTAINED FROM ITS USE), THESE TERMS AND CONDITIONS OF USE, OR FINISTAR'S BUSINESS, OR ANY LINKED SITE, FOR ANY CAUSE WHATSOEVER, WHETHER ARISING IN CONTRACT, TORT, OR OTHERWISE. NO REMEDY SHALL BE AVAILABLE AGAINST FINISTAR RELATING TO, RESULTING FROM, OR IN CONNECTION WITH ANY OF THE FOREGOING. IN NO EVENT SHALL ANY SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES AGAINST FINISTAR BE ALLOWED, EVEN IF FINISTAR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND THE EXCLUSIONS OF DAMAGES IN THESE TERMS AND CONDITIONS OF USE ARE INDEPENDENT OF, AND SURVIVE THE FAILURE FOR ANY REASON OF, ANY OTHER REMEDY.



8. Changes. These Terms and Conditions of Use may be changed by FINISTAR in its sole discretion by posting a notice on the Public Site. You should check the Public Site for notice of such changes.