Terms and Conditions of Use

1. Copyrights and Other Intellectual Property. Except as otherwise noted in this web site, all information, documentation, software and other content posted in this web site, including, without limitation, all text, graphics, logos, icons and images and the compilation, collection, arrangement, overall appearance and method of assembly of same (collectively, the "Information"), is the sole and exclusive property of STS Lending and its subsidiaries and affiliates. The Information is protected by US copyright laws. You may not sell, republish, copy or distribute for other than your own individual use, modify, license, create derivative works from or otherwise distribute the Information or any portion thereof without the prior written consent of STS Lending, which consent shall be in STS Lending's sole and absolute discretion.

2. NO WARRANTIES; LIMITATION OF LIABILITY. ALTHOUGH STS LENDING ATTEMPTS TO MAKE SURE THE INFORMATION ON THIS WEB SITE IS ACCURATE AND CURRENT, STS LENDING MAKES NO WARRANTIES OR REPRESENTATIONS THAT THE INFORMATION IS ACCURATE OR CURRENT OR THAT THE INFORMATION IS SUITABLE FOR ANY PARTICULAR PURPOSE, INCLUDING, WITHOUT LIMITATION, RESULTS PRODUCED BY THE CALCULATOR FEATURES OF THIS WEB SITE AND INFORMATION ABOUT MORTGAGE INTEREST RATES. MORTGAGE INTEREST RATES, LOAN TERMS AND OTHER INFORMATION ON THIS WEB SITE ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT PRIOR NOTICE. YOU SHOULD INDEPENDENTLY VERIFY ALL RELEVANT INFORMATION PRIOR TO MAKING ANY DECISIONS BASED ON SUCH INFORMATION. ALL INFORMATION IS PROVIDED TO YOU AS IS WITHOUT WARRANTY OF ANY KIND, INCLUDING EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL STS LENDING AND/OR ITS RESPECTIVE VENDORS OR SUPPLIERS OR OTHER PARTIES INVOLVED IN CREATING OR DELIVERING THIS WEB SITE OR THE INFORMATION TO YOU BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF OR RELATED TO YOUR USE OF OR ACCESS TO THIS WEB SITE OR THE INFORMATION, OR ANY DELAY OR INABILITY TO USE OR ACCESS THIS WEB SITE OR ANY OF THE INFORMATION, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT, STRICT LIABILITY OR ANY OTHER THEORY OF LIABILITY, EVEN IF STS LENDING IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW FOR THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OF CERTAIN LIABILITIES, THEREFORE SOME OF THE FOREGOING EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU. STS LENDING ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES OF ANY KIND WHATSOEVER IN CONNECTION WITH OR RELATED TO ANY DAMAGE TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THIS WEB SITE OR YOUR USE OR DOWNLOADING OF ANY INFORMATION FROM THIS WEB SITE.

3. No Professional Advice. The Information appearing in this web site is for the sole purpose of general guidance in the mortgage financing process. It does not constitute, and should not be construed as, legal, tax, accounting or other professional advice. Your own particular situation may include different variables and circumstances not contemplated by or suitable for the general information and guidance given in this web site. You should obtain appropriate advice from qualified professionals in your applicable jurisdiction regarding your individual and unique situation.

4. No Unlawful Use. You may not use this web site for any purpose that is unlawful or prohibited by these terms and conditions.

5. Links to Other web sites. This web site may, from time to time, contain hyperlinks to web sites operated or with content provided by third parties. STS Lending has not reviewed any or all of the sites linked to the site and is not responsible for the content of any off-site pages or any other sites linked to the site. Your linking to the site, off-site pages or other sites is at your own risk and is without the permission of STS Lending.

6. Communications with STS Lending. In the event you transmit any communication or material to our web site by electronic mail or otherwise, including, without limitation, any data, questions, comments, suggestions or similar items, is, and will be treated as, non-confidential and nonproprietary. Any such communications or materials you transmit or post on our web site becomes the property of STS Lending and may be used by STS Lending for any purpose, including, without limitation, reproduction, disclosure or transmission to other parties, publication, broadcast and posting. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. STS Lending will cooperate with any law enforcement authorities or court order requesting or directing STS Lending to disclose the identity of anyone posting any such information or materials.

7. Trademarks. The trademarks, logos, graphics and service marks, (collectively the "Trademarks") displayed on our web site are registered and unregistered Trademarks of Equity One, Inc or its subsidiaries and affiliates and third party vendors. Nothing contained on our web site grants or should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Trademarks on our web site, without the express prior written consent of STS Lending Or such affiliates and third party vendors that may own such Trademarks, which consents shall be in the sole and absolute discretion of STS Lending. Except as specifically provided in these terms and conditions, your use of any of the Intellectual Property Rights, or any other information or content, displayed on our web site is strictly prohibited. STS Lending will enforce all of its intellectual property rights to the fullest extent of the law.

8. Terms and Conditions Subject to Change. STS Lending reserves the right to revise these terms and conditions at any time without prior notice. Your continued use of this web site after any such revisions will constitute your acceptance of such revised terms and conditions. We recommend you periodically visit this page to review the then current terms and conditions to which you are bound.

9. General. These terms and conditions will be construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. 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 or consent by STS Lending 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.

05/03/2006

Copyright and Trademark Notices
All contents of this web site are: Copyright © 2006 STS Lending and/or its affiliates and subsidiaries. Trade/service marks are the property of STS Lending All rights reserved.