LEGAL NOTICES, TERMS AND CONDITIONS OF USE PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS SITE.

This Web site is provided by CIFG, and may be used for informational purposes only.

These terms of use apply only to your use of this Site and do not change or alter any other agreement or contract between you and CIFG.

BY USING THE SITE OR DOWNLOADING MATERIALS FROM THE SITE, YOU AGREE TO ABIDE BY THE TERMS AND CONDITIONS SET FORTH IN THIS NOTICE. IF YOU DO NOT AGREE TO ABIDE BY THESE TERMS AND CONDITIONS DO NOT USE THE SITE OR DOWNLOAD MATERIALS FROM THE SITE.

LIMITED LICENSE: Subject to these notices, terms and conditions, CIFG grants you a non-exclusive, nontransferable, limited right to access, use and display this site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the site in any way.

CIFG authorizes you to view and download the information ("Materials") at this Web site ("Site") only for your personal, non-commercial use, except as otherwise expressly provided herein. This authorization is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and 3) you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. This Site, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorized copying of the Materials. CIFG does not grant any express or implied rights under any patents, trademarks, copyrights or trade secret information except as may be expressly stated in these Terms and Conditions.

CONTENT AND OPERATION OF SITE AND SERVICE: The information contained on the Site is subject to change, modification, in whole or in part at any time without notification at CIFG’s sole discretion. You should review these Terms and Conditions of Use regularly as changes will be effective when made. YOU HEREBY ACKNOWLEDGE AND AGREE THAT YOUR CONTINUED USE OF THE SITE OR SERVICE AFTER A CHANGE HAS BEEN MADE TO THE TERMS AND CONDITIONS OF USE SHALL CONSTITUTE YOUR ACCEPTANCE OF SUCH CHANGE.

CIFG undertakes no obligation to maintain or ensure that the information on the Site is the most current information available. CIFG may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time. CIFG may also impose limits, for any or no reason, on certain features and services or restrict your access to parts or the entire Site without notice or liability.

DISCLAIMER: THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. CIFG EXPRESSLY DISCLAIMS ANY OBLIGATION TO UPDATE THIS SITE OR ANY OF THE MATERIALS ON THIS SITE. CIFG DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. CIFG RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE.

THIS SITE, THE INFORMATION AND MATERIALS ON THE SITE, AND THE SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND. TO THE FULL EXTENT PERMITTED BY APPLICABLE LAW, CIFG DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

THIRD-PARTY SITES: This Site may include links to web sites operated by parties other than CIFG, including content providers, advertisers and other third parties. Such links are provided solely for your convenience and do not represent an endorsement of any other party or web site. CIFG does not endorse and does not take responsibility for any content, advertising, products or services made available on or through such third parties' web sites. All use of, or reliance on, third parties' web sites, content, products and services is at your own risk. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive including those which might cause system failure or malfunction upon transferring to other sites We reserve the right to terminate any link to a third party site at any time. Links do not imply that CIFG sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of CIFG or any of its affiliates or subsidiaries.

INFORMATION PROVIDED BY YOU: CIFG does not want you to, and you should not, send any confidential or proprietary information to CIFG via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to CIFG will not be considered confidential or proprietary. By providing any such information or materials to CIFG, you grant to CIFG an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit and distribute such information and materials, and you further agree that CIFG is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to CIFG. You further recognize that CIFG does not want you to, and you warrant that you shall not, provide any information or materials to CIFG that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

THIRD PARTY CONTENT: Third party content may appear on this Site. We are not responsible for and assume no liability for any mistakes, misstatements of law, defamation, slander, libel, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content contained in any third party content appearing on the Site. We reserve the right to remove such content at any time. The fact that we offer such content should not be construed in any way as an endorsement, authorization, or sponsorship of any other entity, Web site or its content.

COPYRIGHT AND TRADEMARKS: The Site and all materials on the Site are protected by U.S. and international copyright laws. For further information concerning copyright and trademark matters. This site and its contents are protected by United States and international copyright laws. We authorize you to view or download a single copy of the material on this site solely for your personal, noncommercial use if you include the following copyright notice: " © Copyright 2002-2008 CIFG, Services, Inc. All rights reserved." along with any other copyright and proprietary rights notices that are contained in the content. Any trademark or copyright notices may not be deleted or altered in any way. Trademarks and copyrights may not be used in connection with any third party products or services.

Except as permitted by the fair use privilege under US copyright laws (17 U.S.C. Section 107), the user may not upload, post, reproduce, or distribute in any way content protected by copyright, or other proprietary right, without obtaining express permission of the owner of the copyright or other proprietary right. No right, title, or interests in any downloaded materials from this site are afforded you as a result of such downloading for personal, noncommercial use.

PRIVACY: CIFG understands that protecting your privacy is important to you and has explained the steps CIFG takes to do so in the Privacy Policy, which policy is incorporated herein by reference and is a binding part of these Terms and Conditions of Use. The Privacy Policy may be changed by CIFG in the future. You should check the Privacy Policy frequently for changes. CIFG's Web Site Privacy Policy is located on the Site.

PROPRIETARY RIGHTS: You acknowledge and agree that the Site, and all content included therein (including, but not limited to, all text, images, photographs, illustrations, multimedia (graphic, audio and video), charts, indices, reports, data, software, HTML code and screens contained therein), other than user content except to the extent provided herein, is owned by, licensed to, or is otherwise used under permission by CIFG and is subject to protection by U.S. and international intellectual property laws, including, but not limited to, any patent rights, copyrights, trade secrets, trade names, trademarks, service marks, moral rights, know-how and any other similar rights or intangible assets recognized under laws or international conventions in any country or jurisdiction in the world as intellectual creations to which rights of ownership accrue.

FORWARD LOOKING STATEMENTS: The Site may contain information that includes or is based upon forward-looking statements within the meaning of the federal securities laws. Forward-looking statements are made based on CIFG's current expectations and beliefs concerning future developments and their potential effects. You can identify these statements by the fact that they do not relate solely to historical or current facts. They generally include words such as "believe", "expects", "anticipates", "intends" and similar words. There can be no assurance that future developments will be in accordance with CIFG's expectations or that the effect of future developments will be those anticipated by CIFG. The following important factors, risks, and uncertainties are among those that may affect such statements: (i) changes in performance of financial markets and interest rates; (ii) development of new financial products; (iii) regulatory, accounting or tax changes that may affect the cost of, or demand for our financial products or services and (iv) other risks and uncertainties described from time to time in our filings with the Securities and Exchange Commission. While CIFG periodically reassesses material factors, risks and uncertainties, we do not intend to revise any forward-looking statements to reflect changes in events, circumstances or expectations or to reflect the occurrence of unanticipated events after the date on which a statement is made.

LIMITATION OF DAMAGES: IN NO EVENT SHALL CIFG OR ANY OF ITS SUBSIDIARIES OR AFFILIATES BE LIABLE TO ANY ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THE SITE OR ANY LINKED WEBSITE, EVEN IF CIFG IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, IN SUCH JURISDICTIONS CIFG'S AGGREGATE LIABILITY WILL BE LIMITED TO THE EXTENT PERMITTED BY THE LAWS OF THAT JURISDICTION. IN NO EVENT SHALL THE TOTAL LIABILITY OF CIFG TO YOU FOR ALL LOSS OR DAMAGE EXCEED $50.00.

WITHOUT LIMITING THE FOREGOING, YOU AGREE THAT IF YOU USE THIRD-PARTY INFORMATION, SERVICES OR PRODUCTS OFFERED ON A WEB SITE LINKED TO OR THAT IS OTHERWISE REFERRED TO ON OR THROUGH THE SITE OR THE SERVICE, SUCH PARTY IS SOLELY RESPONSIBLE FOR SUCH INFORMATION, SERVICES OR PRODUCTS, AND YOU HEREBY RELEASE CIFG, AND ANY OF THEIR OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, AGENTS, REPRESENTATIVES AND LICENSORS, FROM ANY CLAIMS, DEMANDS AND DAMAGES (INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH SUCH INFORMATION, SERVICES OR PRODUCTS, ANY TRANSACTIONS BETWEEN YOU AND SUCH PARTY AND ANY DISPUTES BETWEEN YOU AND SUCH PARTY.

LIMITATION OF REMEDIES: Any cause of action you may have with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action arises.

INDEMNITY: You agree to indemnify and hold harmless CIFG, its parent, subsidiaries and affiliates from any claim, cost, expense, judgment or other loss relating to your use of this Site, including without limitation of the foregoing, any action you take which is in violation of the terms and conditions of this Agreement.

INTERNATIONAL USERS AND CHOICE OF LAW: This Site is controlled, operated and administered by CIFG from its offices within the United States of America. CIFG makes no representation that materials at this site are appropriate or available for use at other locations outside of the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the Materials in violation of U. S. export laws and regulations. If you access this Site from a location outside of the United States, you are responsible for compliance with all local laws.

GOVERNING LAW: These Terms and Conditions of use shall be governed by the laws of the State of New York, without giving effect to its conflict of laws provisions. You agree that the appropriate state or federal court in New York County will have the exclusive jurisdiction to resolve all disputes arising under this Agreement, and you consent to personal jurisdiction in such forum.

MISCELLANEOUS: This Agreement constitutes the entire agreement between CIFG and you with respect to your use of the Site. If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.

This site is not intended for use by children under the age of 18. For that reason, CIFG never collects or maintains information at the Site from those we actually know are under age 18, and no part of this Site is structured to attract anyone under age 18.