TERMS OF USE

Agreement Between User and Bayview Asset Management, LLC., and its affiliates and subsidiaries (collectively "BAM"). This web site is offered to you, the User, conditioned upon your acceptance without modification of the terms, conditions and notices contained herein. Your use of this web site constitutes your agreement to all such terms, conditions and notices.

Copyright Notice

The contents of all material available on the site are copyrighted by BAM unless otherwise indicated. All rights are reserved by BAM and the content may not be reproduced, downloaded, disseminated, published, or transferred in any form or by any means, except with the prior written permission of BAM.

Legal Notice and Disclaimer

INFORMATION ON THIS SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

BAM (including its employees and agents) assumes no responsibility for consequences from the use of the information herein, or in any respect for the content of such information, including, but not limited to, delays, errors or omissions, the accuracy or reasonableness of information, the defamatory nature of statements, ownership of copyright or other intellectual property rights, and the violation of property, privacy or personal rights of others. BAM IS NOT RESPONSIBLE FOR, AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR, DAMAGES OF ANY KIND ARISING OUT OF USE, REFERENCE OR RELIANCE ON SUCH INFORMATION.

No Unlawful or Prohibited Use

As a condition of your use of this web site, you warrant to BAM that you will not use this web site or any information contained on the web site for any purpose that is unlawful or prohibited by these Terms, Conditions and Notices.

Links to Other Internet Sites

At certain places on this site, live "links" to other Internet addresses can be accessed ("Linked Sites"). Such Linked Sites contain information created, published, maintained, or otherwise posted by institutions or organizations independent of BAM. BAM does not endorse, approve, certify or control these Linked Sites and does not guarantee the accuracy, completeness, efficacy, timeliness or correct sequencing of information that they contain. Use of Linked Sites is voluntary, and should only be undertaken after an independent review of the accuracy, completeness, efficacy and timeliness of information contained therein. In addition, it is the user's responsibility to take precautions to ensure that material selected from such Linked Sites is free of such items as viruses, worms, Trojan horses and other items of a destructive nature. BAM is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such Linked Sites, or reference to or reliance on information contained therein.

Modification of these Terms, Conditions and Notices

BAM reserves the right to change the Terms, Conditions and Notices under which this web site is offered.

General

BAM reserves the right to terminate this agreement at any time for any reason, including, but not limited to, violating any of the terms or conditions of this agreement.

By accessing this web site, you have directed your system to a computer located in the State of Florida. You agree that disputes arising out of or relating to the contents or use of this web site are to be governed by the laws of the State of Florida. You consent to the exclusive jurisdiction of courts sitting in the State of Florida in all disputes arising out of or relating to the contents or use of this web site.

If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law, including without limitation, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provisions 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 full force and effect.

This agreement constitutes the entire agreement between you and BAM with respect to the use of this web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and BAM with respect to this 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.

The information contained in this site is provided for informational purposes only and is not a solicitation or offer to sell securities, nor should it be used by others in connection with any sale, offer for sale or solicitation of an offer to purchase securities. Any rights not expressly granted herein are reserved.