TERMS OF USE AGREEMENT Welcome to our Web site AccessFinancialRESI.com. By using our site, you are agreeing to comply with and be bound by the following terms of use. Please review the following terms carefully. If you do not agree to these terms, you should not use this site. The term “AFRESI” or “us” or “we” or “our” refers to Access Financial & Real Estate Services Inc., the owner of the Web site. The term “you” refers to the user or viewer of our Web Site. Acceptance of Agreement. You agree to the terms and conditions outlined in this Terms of Use Agreement ("Agreement") with respect to our site (the "Site"). This Agreement constitutes the entire and only agreement between us and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site, the content, products or services provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by us from time to time without specific notice to you. The latest Agreement will be posted on the Site, and you should review this Agreement prior to using the Site. Copyright. The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the Site, except as allowed by Section 4 below, is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting of information or materials on the Site does not constitute a waiver of any right in such information and materials. Some of the content on the site is the copyrighted work of third parties. Service Marks. "AccesFinancialresi.com" and others are our service marks or registered service marks or trademarks. Other product and company names mentioned on the Site may be trademarks of their respective owners. Limited License; Permitted Uses. You are granted a non-exclusive, non-transferable, revocable license (a) to access and use the Site strictly in accordance with this Agreement; (b) to use the Site solely for internal, personal, non-commercial purposes; and (c) to print out discrete information from the Site solely for internal, personal, non-commercial purposes and provided that you maintain all copyright and other policies contained therein. No print out or electronic version of any part of the Site or its contents may be used by you in any litigation or arbitration matter whatsoever under any circumstances. Restrictions and Prohibitions on Use. Your license for access and use of the Site and any information, materials or documents (collectively defined as “Content and Materials”) therein are subject to the following restrictions and prohibitions on use: You may not (a) copy, print (except for the express limited purpose permitted by Section 4 above), republish, display, distribute, transmit, sell, rent, lease, loan or otherwise make available in any form or by any means all or any portion of the Site or any Content and Materials retrieved therefrom; (b) use the Site or any materials obtained from the Site to develop, of as a component of, any information, storage and retrieval system, database, information base, or similar resource (in any media now existing or hereafter developed), that is offered for commercial distribution of any kind, including through sale, license, lease, rental, subscription, or any other commercial distribution mechanism.... The materials on the public portion of AccesFinancialresi.com Web site are provided for informational purposes only, do not constitute legal advice, do not necessarily reflect the opinions any of our , staff ,or its employees and are not guaranteed to be correct, complete, or up to date. This Web site is not intended to create an broker client relationship between you and Access Financial & RESI., unless you have a binding agreemnt with an agent of Access Financial & Real Estate Services Inc., have registered as a client and are accepted by Access Financial & RESI as a client. It is important that you read and understand these terms and conditions before you start to use this Web site. You can print and keep a copy for your reference. Reference to "our" and "we" in the Web site with regard to the provision of a particular User Service is a reference to the applicable provider of the User or Client Service. These terms and conditions (and all communications) are in English and governed by and will be construed in accordance with the law of [State] and the courts of [State] shall have jurisdiction in any legal proceedings. REGISTERING FOR USE OF THE WEBSITE You must bed age 18 years or over to use the User Services.  You will you receive a Username and Password to access a client area (“the Client Area”) of the Website and be able to use all of the User Services. The use of the User Services from the Client Area is for your personal use only (except on behalf of a spouse, civil partner or partner in respect of the Wills service). You shall not permit any other party to have access to the User Services or Client Area or to use the User Services. If you breach this term, we can without notice revoke your Username or Password and refuse access to all or any part of the Website. WHO PROVIDES THE USER SERVICES Access Financial & RESI. Located: 1321 Laurel Street, Suite A, San Carlos CA 94070 Phone: 650-632-1800 Monday through Friday 8:30 am to 5::00 pm Pacific Standard Time. User Services The User Services currently available to clients are described on the Web site. Commercial Use Limitation The use of this Website or product and the documents when downloaded or installed by you are for your personal use only and will clearly on the face of them be shown to be licensed to you. You may not use this Web site, the product or the documents for any other purpose except for your own personal use. You may not use the documents for any commercial purpose whatsoever and the copyright in the legal form content belongs either toAccess Financial & RESI.  You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services obtained from this Web site. Prohibited use As a condition of your use of this Web site or product, you warrant to us that you will not use this Web site or product for any purpose that is unlawful or prohibited by these terms, conditions, and notices. Hyperlinks This Web site or product may contain hyperlinks to Web sites operated by other parties. Such hyperlinks are provided for your reference only. We do not control such Web sites and are not responsible for their contents. Our inclusion of hyperlinks to such Web sites does not imply any endorsement of the material on such Web sites. Website Copyright and Database Rights The contents of each of the web pages (the "Content") at this Web site and code associated databases are the property of Access Financial & Real Estate Services Incorporated, Reproduction of part or all of the Content in any form is prohibited other than in accordance with the following terms: You may not sell or commercially exploit any Content nor use any data mining, robots or similar extraction methods in relation to the Content. No linking to this site or manipulation of the Content (including but not limited to framing, alteration of content or parts thereof, re-branding of content, use of metatags or hidden text techniques) is permitted without the express written consent of an authorized officer of Access Financial & RESI..   E-mail Correspondence: We would be pleased to communicate with you by e-mail. However, if you communicate with us through this Web site your communication may not be treated confidential.   Privacy Policy Our Privacy Policy as detailed on the Web site forms a part of these terms and conditions. LIMITATIONS   NOTICE OF DISCLAIMER RELATING TO ADVICE:  FOR THE AVOIDANCE OF DOUBT, ANY ADVICE YOU RECEIVE IS THE RESPONSIBILITY OF THE PARTY ADVISING YOU WHETHER THAT IS [SMITH LEGAL SERVICES, P.C.] OR ANY OTHER ATTORNEY.  [EPOQ US, INC.,] WILL NOT BE RESPONSIBLE OR LIABLE FOR SUCH ADVICE. OTHER CONDITIONS We shall not be liable for any failure to provide or delay in providing any service resulting from circumstances or events outside of our control, for example due to strikes and other industrial disputes, breakdown of systems or network access, fire or explosions, and power failure. If any part of these terms and conditions (and /or notices on the Web site) are found to be invalid or unenforceable then such part will be deemed replaced by a valid and enforceable provision that most closely matches the intent or the original part and the remainder of the agreement shall continue in full force and effect. We reserve the right to change the terms, conditions and disclaimers under which the Website or any User Service is offered. You may not assign, subcontract or otherwise transfer any rights and obligations under these Conditions whether in whole or in part without the prior written consent of Access Financial & RESI. Headings in these Conditions are for convenience only and shall not affect its interpretation. These Conditions, and the Limited Services Agreement, if accepted, represent the entire agreements between the parties and neither party shall attempt to rely upon any prior understanding or representation, which may have been made.