1. Use of the CBSI, LLC Web site and/or the Commercial Business Services, International information licensed by other companies for use on their Web sites ("Licensees' Web sites") is covered by the following terms and conditions. By using the CBSI, LLC Web site and/or the Commercial Business Services, International information, you, the site visitor agree to the following Terms and Conditions.

2. CBSI, LLC provides, through this Web site and Licensees' Web sites, certain information , including but not limited to; Capital Markets Information, Commercial Lending Entities, Underwriting Services, Commercial Loan Packaging; and also Research tools including Calculators, Business Education, Financial Planners, Business Solution Consulting, and any information relating to business finance (collectively, the "Commercial Business Services, Intl. Information"). Your use of the Commercial Business Services, Intl. Information is entirely at your own risk and it is your sole responsibility to evaluate the accuracy, completeness and usefulness of all Commercial Business Services, Intl. Information. Visitors of this Web site should seek professional financial and legal assistance and shall not rely on the Commercial Business Services, Intl. Information when making lending or investment decisions.

3. All Commercial Business Services, Intl. Information is provided "AS IS" AND ON AN "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. The Commercial Business Services, International information contains statements and statistics that have been obtained from sources believed to be reliable, (including, but not limited to, information originated by CBSI, LLC, licensed by CBSI, LLC from information providers, or gathered by CBSI, LLC from publicly available sources), but are not guaranteed as to accuracy, completeness, timeliness, or correct sequencing. CBSI, LLC will not guarantee uninterrupted or error free information, or the security of this Web site or that of the stored visitor data, or that any information, software, or other material accessible from or related to the Commercial Business Services, International information is free of viruses, worms, or other harmful components. Commercial Business Services, International endeavors to provide the utmost professional security available with regards to the internet and the hosting of this Web site. However; vulnerabilities arise on a minute by minute basis in cyberspace and CBSI, LLC cannot control all outside sources of Internet/Online related I.D. Theft or Credit-Debit Card Fraud or data mining. CBSI, LLC will control the content and the placement of vulnerable material in a manner that constitutes total protection of any and all clients vital data with relation to transactions performed via this Web site.

4. CBSI, LLC shall not be liable under any circumstances for lost profits, lost business, loss of business reputation, or any direct, indirect, incidental, special, punitive or consequential damages, whether foreseeable or not, that result in any way from your use, non-use or reliance upon the Commercial Business Services, International information; or that result from mistakes, omissions, interruptions or deletions of files, errors or defects in the Commercial Business Services, International information, delays in operation, transmission or failure of performance. If you are dissatisfied with any Commercial Business Services, International information, your sole and exclusive remedy is to discontinue using the Commercial Business Services, International information. Neither CBSI, LLC nor the information providers shall have any liability, contingent or otherwise for the accuracy, completeness, timeliness, or correct sequencing of the Commercial Business Services, Intl. Information or for any decision made or action taken by you in reliance upon the Commercial Business Services, Intl. Information or for interruption of any data, information, or other aspect of CBSI, LLC Web site. CBSI, LLC and its information providers make certain representations about the suitability of the Commercial Business Services, International information, software, products, or services contained in CBSI, LLC Web site or Licensees' Web sites. CBSI, LLC does not necessarily endorse the views, opinions and recommendations included in the CBSI, LLC Web site or Licensees' Web sites, give investment advice, or advocate the purchase or sale of any security, loan or investment. The past performance of a mutual fund, stock, or investment strategy cannot guarantee its future performance. References to any specific securities do not constitute an offer to buy or sell securities, loans or investments.

5. The Commercial Business Services, International information is provided to you solely for your own informational purposes. You may not sub-license, resell, republish (including internet posting, electronic mailing, faxing, archiving in a public database, redistributing via a computer network, or in a printed form to third parties), reproduce, retransmit, disseminate, sell, broadcast, commercially exploit, or circulate the Commercial Business Services, International information without the express written consent of CBSI, LLC Nor may you use the Commercial Business Services, International information for any unlawful purpose.

6. You may use the Commercial Business Services, International information for your private, non-commercial use only. If you want to utilize this Web site for commercial purposes, you must first sign on as a paying member of the Web site and adhere to the services rule and policies and then contact the manager or web master of this Web ste for expressed written consent to utilize the services or products via this Web site to further your commercial growth or for your commercial entities promotion.

7. CBSI, LLC, its licensors, or information providers are the sole and exclusive owners of all right, title and interest, including trademarks, copyrights, patents, trade names, trade secrets and other intellectual property rights, in the Commercial Business Services, International information. You may not copy, modify, adapt, reproduce, translate, reverse engineer, decompile, disassemble, sublicense or assign any aspect of the Commercial Business Services, Intl. Information accessed via this service. You may not use, adopt or attempt to register anywhere in the world, whether alone or together with any other mark, symbol, or name, any CBSI, LLC trade name or mark or service name or mark that is similar or confusingly similar to the CBSI, LLC trademarks or logos.

8. This Agreement shall for all purposes be governed, interpreted, construed and enforced in accordance with the laws of the State of New Mexico, USA. You hereby agree that the courts located in Albuquerque, New Mexico, USA shall constitute the sole and exclusive forum for the resolution of any and all disputes arising out of or in connection with the use of the Commercial Business Services, International information or the CBSI, LLC Web site and you hereby consent to the jurisdiction of such courts and irrevocably waive any objections thereto. Regardless of where you access Commercial Business Services, International information, you agree to comply with all applicable laws of the United States of America, including those regarding the export of data. You are also responsible for complying with all other laws, rules and regulations that may be applicable to your use of Commercial Business Services, International's information.

9. CBSI, LLC may deny you access to all or part of this service without notice if you engage in any conduct or activities that CBSI, LLC believes in its sole and absolute discretion violates applicable law or any terms of this Web site.

10. You agree to indemnify, defend, and hold harmless CBSI, LLC, its subsidiaries, affiliates, and their respective officers, directors, shareholders, members, agents, representatives, employees, successors and assigns for, from and against any and all liabilities, costs and expenses (including reasonable attorneys' fees), related to any violation of the terms and conditions by you or authorized users of your account.

11. If any portion of the terms and conditions is held to be unenforceable, the unenforceable portion shall be construed in accordance with applicable laws as nearly as possible to reflect the original intentions of the parties and the remainder of the provisions shall remain in full force and effect.

12. CBSI, LLC's failure to insist upon or enforce strict performance of any provision of the Terms and Conditions shall not be construed as a waiver of any provision or right. The course of conduct between neither parties nor trade practice shall act to modify any provision of these Terms and Conditions.

13. CBSI, LLC reserves the right in its sole discretion to change, modify, add or remove these Terms and Conditions in whole or in part and at any time.