Terms of Use

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY AS THEY GOVERN YOUR USE OF FIRST EQUITY MORTGAGE BANKERS, INC WEBSITES. BY USING A FIRST EQUITY MORTGAGE BANKERS, INC WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS, AS THEY MAY BE MODIFIED BY FIRST EQUITY MORTGAGE BANKERS, INC FROM TIME-TO-TIME AND POSTED ON THIS FIRST EQUITY MORTGAGE BANKERS, INC WEBSITE.

Each user of a First Equity Mortgage Bankers, Inc web site agrees as follows:

No Offer or Solicitation of Securities

First Equity Mortgage Bankers, Inc operates several web sites, any one of which may include information, content and documentation (collectively “Information”) related to, or referenced in the offering documentation for, certain First Equity Mortgage Bankers, Inc securities, including offering circulars and related supplements and agreements. First Equity Mortgage Bankers, Inc securities may not be eligible for offer or sale in certain jurisdictions or to certain persons. The Information is provided for your general information only, is current only as of its specified date and does not constitute an offer to sell or a solicitation of an offer to buy securities. All Information relating to First Equity Mortgage Bankers, Inc securities is qualified in its entirety by the relevant offering circular and any related supplements. Investors should review the relevant offering circular and any related supplements before making a decision with respect to the purchase or sale of any security. In addition, before purchasing any security, please consult your legal and financial advisors for information about and analysis of the security, its risks and its suitability as an investment in your particular circumstances.

Unauthorized Access, Copying or Downloading

First Equity Mortgage Bankers, Inc specifically prohibits access to any First Equity Mortgage Bankers, Inc web site for any unlawful purpose. Information on First Equity Mortgage Bankers, Inc web sites may be downloaded for personal use, but no portion of a First Equity Mortgage Bankers, Inc web site may be published, sold, republished, printed, copied, retransmitted, reposted, or displayed on a web site or in other communication materials without Freddie Mac’s prior written consent. See the content usage permission and linking policy for more details.

User Registration and Account Creation, User Name ID and Password Security

If any portion of a First Equity Mortgage Bankers, Inc web site provides for registration or creation of a user account and you wish to register or create a user account, you agree that you will provide First Equity Mortgage Bankers, Inc with accurate, truthful, and current registration information. You agree that you will not: (i) select a username that, to your knowledge, is already used by another person; (ii) use a username in which another person has rights without such person’s authorization; or (iii) use a username or password that First Equity Mortgage Bankers, Inc deems inappropriate. First Equity Mortgage Bankers, Inc has no obligation to verify the authenticity of any registration information, but reserves the right to refuse to create your account for any reason. You are solely responsible for maintaining the confidentiality of your registration information and passwords. First Equity Mortgage Bankers, Inc will have the right to rely upon any information received from any person using a password assigned to you and will incur no liability arising out of such reliance. First Equity Mortgage Bankers, Inc reserves the right to terminate access to all or any portion of a First Equity Mortgage Bankers, Inc web site at any time without notice. Where applicable, First Equity Mortgage Bankers, Inc will handle user information that you submit to a First Equity Mortgage Bankers, Inc web site in accordance with the web site’s Privacy Policy.

Third Party Links; Products and Services

Periodically, links may be established between a First Equity Mortgage Bankers, Inc web site and web sites operated or content provided by third parties (each a “Third Party Web Site”). For purposes of these Terms and Conditions, the term “link” includes both outlinks (hypertext links to external web sites or content) and inlinks (hypertext links that draw material from other sources into a First Equity Mortgage Bankers, Inc web site). Except to the extent expressly stated otherwise on a First Equity Mortgage Bankers, Inc web site, First Equity Mortgage Bankers, Inc has no control over any such Third Party Web Site. In addition, from time to time, products and services provided by third parties (the “Third Party Services”) may be offered for sale or made available through links from a First Equity Mortgage Bankers, Inc web site. Any such offer of the Third Party Services does not constitute an endorsement by First Equity Mortgage Bankers, Inc of the Third Party Services or the providers thereof. In no event will First Equity Mortgage Bankers, Inc have any liability related to any Third Party Web Site or any Third Party Services.

Non-Confidentiality of Communications

If you send a message or information to a First Equity Mortgage Bankers, Inc web site, such as (but not limited to) an e-mail to the Webmaster, you hereby grant to First Equity Mortgage Bankers, Inc the right to use and disclose the communication and any related information as First Equity Mortgage Bankers, Inc deems appropriate, except to the extent the First Equity Mortgage Bankers, Inc web site or the web site privacy policy specifies otherwise. YOU ARE HEREBY ADVISED THAT, EXCEPT TO THE EXTENT EXPRESSLY PROVIDED OTHERWISE ON A FIRST EQUITY MORTGAGE BANKERS, INC WEBSITE, NO FACILITIES ARE PROVIDED AND NO PROVISIONS ARE MADE FOR SENDING OR RECEIVING CONFIDENTIAL COMMUNICATIONS. TO THE EXTENT SUCH FACILITIES ARE PROVIDED OR PROVISIONS ARE MADE, IT IS SOLELY ON AN “AS IS” BASIS, WITH NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

No Warranties; Limitation of Liability

Although First Equity Mortgage Bankers, Inc attempts to provide useful Information, First Equity Mortgage Bankers, Inc does not guarantee that the Information posted on or linked to any First Equity Mortgage Bankers, Inc web site is accurate, current or suitable for any particular purpose. First Equity Mortgage Bankers, Inc assumes no obligation to update or continue to post or link to the Information. First Equity Mortgage Bankers, Inc does not guarantee that access to any First Equity Mortgage Bankers, Inc web site will be uninterrupted, or that a First Equity Mortgage Bankers, Inc web site cannot be tampered with by third parties. While First Equity Mortgage Bankers, Inc has implemented security measures designed to protect most information sent to the First Equity Mortgage Bankers, Inc web sites, First Equity Mortgage Bankers, Inc does not guarantee that information sent to a First Equity Mortgage Bankers, Inc web site will not be obtained, reviewed, disclosed or tampered with by third parties. THE FIRST EQUITY MORTGAGE BANKERS, INC WEBSITES, THE INFORMATION POSTED OR LINKED THERETO AND ANY SOFTWARE RELATED THERETO ARE PROVIDED ON AN “AS IS” BASIS, WITH NO WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY OR ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. USE OF THE FIRST EQUITY MORTGAGE BANKERS, INC WEBSITES, SUCH INFORMATION AND SUCH SOFTWARE IS AT THE USER’S SOLE RISK. IN NO EVENT WILL FIRST EQUITY MORTGAGE BANKERS, INC BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF OR RELATED TO ANY FIRST EQUITY MORTGAGE BANKERS, INC WEBSITE (INCLUDING, BUT NOT LIMITED TO ANY SOFTWARE RELATED THERETO), ANY THIRD PARTY WEBSITE, ANY THIRD PARTY SERVICES OR ANY INFORMATION CONTAINED IN OR LINKED TO ANY FIRST EQUITY MORTGAGE BANKERS, INC WEBSITE OR ANY OTHER WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, EVEN IF FIRST EQUITY MORTGAGE BANKERS, INC IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Choice of Law; Access Restrictions

These Terms and Conditions will be construed in accordance with the substantive laws of the Commonwealth of Virginia, United States of America, excluding provisions of Virginia law concerning choice-of-law that would result in the laws of any state or country other than Virginia being applied. However, the Uniform Computer Information Transactions Act (or any substantially similar law enacted by Virginia) will not apply to these Terms and Conditions, and instead the law of Virginia as it exists without reference to the Uniform Computer Information Transactions Act will apply. Any claims, actions or proceedings related to a First Equity Mortgage Bankers, Inc web site or these Terms and Conditions must be brought in the Federal District Court for the Eastern District of Virginia, Alexandria Division. By using a First Equity Mortgage Bankers, Inc web site, you agree to submit to the jurisdiction of said court for such purposes.FIRST EQUITY MORTGAGE BANKERS, INC OPERATES THE FIRST EQUITY MORTGAGE BANKERS, INC WEBSITES FROM ITS OFFICES IN THE COMMONWEALTH OF VIRGINIA OF THE UNITED STATES OF AMERICA. FIRST EQUITY MORTGAGE BANKERS, INC MAKES NO REPRESENTATION OR WARRANTY THAT THE INFORMATION CONTAINED IN OR LINKED TO ANY FIRST EQUITY MORTGAGE BANKERS, INC WEBSITE IS APPROPRIATE OR LEGALLY AVAILABLE FOR DISTRIBUTION, DISPLAY OR USE IN LOCATIONS OTHER THAN THE UNITED STATES OF AMERICA, AND ACCESS TO SUCH INFORMATION FROM JURISDICTIONS WHERE SUCH ACTIVITIES ARE NOT LEGAL IS STRICTLY PROHIBITED. IF YOU ACCESS OR USE ANY INFORMATION FROM OR THROUGH A FIRST EQUITY MORTGAGE BANKERS, INC WEBSITE, YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT SUCH ACCESS AND USE IS PERMISSIBLE UNDER THE LAWS OF THE JURISDICTION IN WHICH YOU ARE LOCATED.

Export Laws

Software, Information and encryption codes from First Equity Mortgage Bankers, Inc web sites may be subject to United States export control laws and regulations (“Export Laws”). No software, Information or encryption codes may be downloaded from any First Equity Mortgage Bankers, Inc web site or otherwise exported or reexported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods; (ii) by or to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders; or (iii) in a manner that otherwise violates the Export Laws. By downloading or using any such software, Information or encryption codes, you represent and warrant that you will comply with all applicable Export Laws related thereto.

Supplemental Terms and Conditions

Supplemental or different terms and conditions than those set forth in these Terms and Conditions may be applicable to information you receive or transactions you engage in using a First Equity Mortgage Bankers, Inc web site. Any such supplemental or different terms and conditions (i) will be disclosed to you, either by being posted on the applicable First Equity Mortgage Bankers, Inc web site or by being included in a separate agreement, (ii) will be in addition to these Terms and Conditions, (iii) will, if expressly so indicated, supersede specific portions of these Terms and Conditions, and (iv) will be binding on you by virtue of your use of the applicable First Equity Mortgage Bankers, Inc web site.

Severability

The provisions of these Terms and Conditions are severable. If any such provision is determined to be unenforceable, such unenforceability will not affect any other provision of these Terms and Conditions, and the Terms and Conditions will be construed as if such unenforceable provision had not been contained herein. No waiver by First Equity Mortgage Bankers, Inc of any right under or provision of these Terms and Conditions will be deemed to be either a waiver of any other such right or provision or a waiver of that same right or provision at any other time.

Indemnification

You agree to indemnify and hold harmless First Equity Mortgage Bankers, Inc and each of its directors, officers, employees and agents from and against any and all injuries, damages, losses, liabilities, claims, judgments and settlements, including all reasonable costs, expenses and attorneys fees, arising out of any action or claim related to any negligent or willful act or omission by you while accessing a First Equity Mortgage Bankers, Inc web site or your failure to comply with any of these terms and conditions.