These Terms of Use to the access and use of the VIBOCH FINANCIAL Web Sites (collectively, the "Web Site".) Products that are ordered through the Web site are subject to the agreements and terms of service that apply to them and can be accessed when a Product is requested. Further, additional proprietary notices and copyright information may be found on other pages in the Web Site. Warranty

VIBOCH FINANCIAL does not warrant the completeness, timeliness or accuracy of any of the data and/or programs ("information") available at this web site. to the fullest extent permitted by law, the information is provided "as is" without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title or non-infringement.

Disclaimer

In no event will VIBOCH FINANCIAL or its affiliates be liable to any party for any direct, indirect, special or other consequential damages for any use of or reliance upon the information found at this web site, or on any other linked web site, including, without limitation, lost profits, business interruption, loss of programs or other data, even if VIBOCH FINANCIAL is expressly advised of the possibility of such damages.

Link Policy

You are granted a limited, non-exclusive right to create a hypertext link to this Web Site found at http://www.viboch.com/; provided such link does not portray VIBOCH FINANCIAL and/or its affiliates or any of their respective products and services in a false, misleading, derogatory or otherwise defamatory manner. This limited right may be revoked at any time. You may not use, frame or utilize framing techniques to enclose any VIBOCH FINANCIAL trademark, logo or other proprietary information, including the images found at this Web Site, the content of any text or the layout/design of any page or form contained on a page without VIBOCH FINANCIAL's express written consent. Except as noted above, you are not conveyed any right or license by implication, estoppel, or otherwise in or under any patent, trademark, copyright, or proprietary right of VIBOCH FINANCIAL or any third party.

Confidentiality

Comments, suggestions or materials sent or transmitted to VIBOCH FINANCIAL (collectively "Feedback"), shall be deemed to be non-confidential. Subject to the conditions described on the privacy page of this Web Site, VIBOCH FINANCIAL shall have no obligation of any kind with respect to such Feedback and shall be free to use and distribute the Feedback to others without limitation, including, but not limited to developing and marketing products incorporating such Feedback.

Non-Viboch Financial Sites

VIBOCH FINANCIAL makes no representations, warranties or endorsements with respect to any web site, which may be accessed, from this Web Site. When you access a non-VIBOCH FINANCIAL web site, please understand that VIBOCH FINANCIAL has no control over the content or information at that site. It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other items of a destructive nature.

Intellectual Property Rights

This Web Site contains many of the valuable trademarks, service marks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by VIBOCH FINANCIAL Inc. and its affiliated companies, including but not limited to, the registered mark "VIBOCH FINANCIAL"; any unauthorized use of same is strictly prohibited and all rights in same are reserved by VIBOCH FINANCIAL Inc. and its affiliated companies. Other products and company names mentioned in the Site may be the trademarks of their respective owners. VIBOCH FINANCIAL, Inc. is licensed under the following, and related Ronald A. Katz Technology Licensing, L.P. United States Patents: 5,561,707; 5,828,734; 5,684,863; 5,815,551; 5,974,120; 5,917,893; 5,898,762; and others.

The VIBOCH FINANCIAL Online Privacy Policy and Fair Information Principles is also posted.