PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEB SITE. BY USING THIS SITE, YOU OR THE ENTITY YOU ARE AUTHORIZED TO REPRESENT ("YOU" OR "YOUR") SIGNIFY YOUR AGREEMENT TO THESE TERMS OF USE. YOU MUST AGREE TO THESE TERMS OF USE IN ORDER TO USE THE ROLLAND INVESTMENTS, INC. WEB SITE. PLEASE READ THIS DOCUMENT CAREFULLY. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF USE WITHIN THIS AGREEMENT, DO NOT USE THIS SITE!

Rolland Investments, Inc. may revise and update these Terms of Use at anytime. Please periodically review the Terms of Use posted at the Rolland Investments, Inc. web site because Your continued usage of the Rolland Investments, Inc. web site (the homepage of which is at http://www.settlement-loan.com) ("Rolland Investments, Inc. web site," or the "web site,") after any changes to these Terms of Use will mean You accept those changes.

Section 1. Rolland Investments, Inc. Privacy Policy
Rolland Investments, Inc.'s position on the privacy of its customers and visitors to this web site can be found in the Rolland Investments, Inc. Privacy Policy.

Section 2. Use of Content -- Copyright
Upon acceptance of these Terms of Use, Rolland Investments, Inc. authorizes You to view or download a single copy of the material on this web site solely for Your personal, informational and noncommercial use, provided that You retain all copyright and other proprietary notices contained in the original material on any copies of the material. Such material specified above does not include the design or layout of the Rolland Investments, Inc. web site. Elements of the Rolland Investments, Inc. web site are protected by trade dress, trademark, unfair competition, and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from the Rolland Investments, Inc. web site may be copied or retransmitted unless expressly permitted by Rolland Investments, Inc. Special rules or license terms may apply to the use of certain software and other items provided to you via the Rolland Investments, Inc. web site (collectively, "Software"). Any such special rules or license terms accompany or are listed in association with or through a hyperlink associated with the Software.

The contents of the Rolland Investments, Inc. web site ("Content"), such as text, graphics, data, images, Software and other material are protected by copyright and other laws in the United States, Canada and other countries, and title to the Content shall not pass to You or any other party. Except to the extent required by law or as expressly provided herein, none of the Content may be reverse-engineered, disassembled, decompiled, reproduced, translated into any language or computer language, re-transmitted in any form or by any means (electronic, mechanical, photoreproduction, recordation or otherwise), resold or redistributed without the prior written consent of Rolland Investments, Inc. You may not sell or modify the Content or reproduce, display, publicly perform, distribute or otherwise use the Content in any way for any public or commercial purpose. Without limitation of the foregoing, unless independently licensed by Rolland Investments, Inc., use of the Content on any other web site or in a networked computer environment for any purpose is prohibited.

Content is subject to change without notice at the editorial discretion of Rolland Investments, Inc. If You violate any of these Terms of Use, Your permission to use the Content automatically terminates and You must immediately destroy any copies You have made of any portion of the Content.

Section 3. Access to Rolland Investments, Inc. Systems and Information through the Rolland Investments, Inc. web site
The Rolland Investments, Inc. web site provides access to certain Rolland Investments, Inc. computer and network services ("Rolland Investments, Inc. Systems") for the purpose of retrieving information and data regarding Rolland Investments, Inc. services. Subject to compliance with each of the terms of this Agreement, Rolland Investments, Inc. agrees to permit You to access the Rolland Investments, Inc. Systems via the Rolland Investments, Inc. web site for the sole purpose of obtaining Information. Following are certain requirements regarding such access:

• You may not use or access the Rolland Investments, Inc. Systems in any way which, in Rolland Investments, Inc.'s judgement, adversely affects the performance or function of the Rolland Investments, Inc. Systems or Rolland Investments, Inc. web site or interferes with the ability of authorized parties to access the Rolland Investments, Inc. Systems or Rolland Investments, Inc. web site. Without limitation of the foregoing, you may not use automatic inquiry engines to interact with the Rolland Investments, Inc. Systems or obtain Information.
  
  
• You may not mask or misrepresent your identity when using the Rolland Investments, Inc. web site or Systems. You may not gain access, or attempt to gain access, by any means, to any Rolland Investments, Inc. computer system or database, other than the Rolland Investments, Inc. Systems to which You are expressly permitted access via the Rolland Investments, Inc. web site. You shall use or disclose the Information only in connection with packages shipped by or to You or on Your behalf.
  
  
• Rolland Investments, Inc. may terminate, update, alter or supplement any or all of the Rolland Investments, Inc. Systems and services and Information available from the Rolland Investments, Inc. Systems. While Rolland Investments, Inc. does not at this time charge for use of the Rolland Investments, Inc. Systems or the Information, Rolland Investments, Inc. may assess charges for any or all of such items in the future, in its sole discretion, by providing notice of such charges to You and restricting access to the Rolland Investments, Inc. Systems and Information absent Your agreement to pay such charges. By permitting limited usage of the Rolland Investments, Inc. Systems via the Rolland Investments, Inc. web site and as permitted herein, Rolland Investments, Inc. does not convey any interest in or to the Rolland Investments, Inc. Systems or any other Rolland Investments, Inc. property or services. All right, title and interest in and to the Rolland Investments, Inc. Systems and the Information is and shall remain in Rolland Investments, Inc.
  
  
• If Rolland Investments, Inc. in its sole judgment believes either (i) that the Rolland Investments, Inc. Systems or Information are being used for a purpose not approved by Rolland Investments, Inc. or in violation of any law, regulation or ruling, (ii) that Rolland Investments, Inc.'s or any third party's rights or interests are jeopardized or potentially exposed to liability or damage, or (iii) that You are in default under this Agreement, Rolland Investments, Inc. may immediately terminate Your access to the Rolland Investments, Inc. Systems.

Section 4. Limitation of Rolland Investments, Inc.'s Liability -- Disclaimer of Responsibility for Damages
Rolland Investments, Inc. makes no representations about the results to be obtained from using the Rolland Investments, Inc. web site, the Rolland Investments, Inc. Systems, the Information or the Content. The use of same is at Your own risk.

WHEN USING THE ROLLAND INVESTMENTS, INC. WEB SITE AND THE Rolland Investments, Inc. SYSTEMS, INFORMATION AND CONTENT WILL BE TRANSMITTED OVER A MEDIUM WHICH IS BEYOND THE CONTROL AND JURISDICTION OF Rolland Investments, Inc. AND ITS SUPPLIERS. ACCORDINGLY, ROLLAND INVESTMENTS, INC. ASSUMES NO LIABILITY FOR OR RELATING TO THE DELAY, FAILURE, INTERRUPTION OR CORRUPTION OF ANY CONTENT OR INFORMATION.

THE ROLLAND INVESTMENTS, INC. WEB SITE, THE ROLLAND INVESTMENTS, INC. SYSTEMS, THE INFORMATION AND THE CONTENT ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. ROLLAND INVESTMENTS, INC., ITS LICENSORS, AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE. ROLLAND INVESTMENTS, INC., ITS LICENSORS, AND ITS SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, CURRENTNESS OR TIMELINESS OF THE CONTENT, INFORMATION, SOFTWARE, TEXT, GRAPHICS, LINKS, OR COMMUNICATIONS PROVIDED ON OR THROUGH THE USE OF THE ROLLAND INVESTMENTS, INC. WEB SITE OR THE ROLLAND INVESTMENTS, INC. SYSTEMS.

IN NO EVENT SHALL ROLLAND INVESTMENTS, INC., ITS LICENSORS, SUPPLIERS OR ANY THIRD PARTIES MENTIONED AT THE ROLLAND INVESTMENTS, INC. WEB SITE BE LIABLE FOR ANY DAMAGES OR PENALTIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL INDIRECT, EXEMPLARY, PUNITIVE AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE ROLLAND INVESTMENTS, INC. WEB SITE OR THE CONTENT WHETHER BASED ON WARRANTY, CONTRACT, TORT, DELICT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ROLLAND INVESTMENTS, INC. IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ROLLAND INVESTMENTS, INC. SHALL BE LIABLE TO YOU ONLY TO THE EXTENT OF ACTUAL DAMAGES INCURRED BY YOU. THE REMEDIES STATED FOR YOU IN THESE TERMS OF USE ARE EXCLUSIVE AND ARE LIMITED TO THOSE EXPRESSLY PROVIDED FOR IN THESE TERMS OF USE.

Section 5. Links
The Rolland Investments, Inc. web site contains links to third party web sites. These links are provided solely as a convenience to You and not as an endorsement by Rolland Investments, Inc. of the content on such third-party web sites. Rolland Investments, Inc. is not responsible for the content of linked third-party web sites and does not make any representations regarding the content or accuracy of materials on such third-party web sites. If You decide to access linked third-party web sites, You do so at Your own risk. Your use of third-party web sites is subject to any applicable terms of use for such sites. Linking to any page of the Rolland Investments, Inc. web site other than http://www.settlement-loan.com through a plain text link is strictly prohibited in the absence of a separate linking Agreement with Rolland Investments, Inc. Any web site or other device that links to http://www.settlement-loan.com is prohibited from (a) replicating Content, (b) using a browser or border environment around the Content, (c) implying in any fashion that Rolland Investments, Inc. is endorsing it or its products, (d) misrepresenting any state of facts, including its relationship with Rolland Investments, Inc., (e) presenting false information about Rolland Investments, Inc. products or services, and (f) using any Rolland Investments, Inc. logo or mark without permission from Rolland Investments, Inc.

Section 6. Indemnity
You agree to defend, indemnify and hold Rolland Investments, Inc., its officers, directors, employees, agents, licensors and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, Your use of the Content (including Software) in a manner that violates or is alleged to violate these Terms of Use.

Section 7. Compliance With Law Including Export Control
You agree in utilizing the Rolland Investments, Inc. web site, the Rolland Investments, Inc. Systems, Information and Content. You will do so exclusively for authorized and legal purposes consistent with these Terms of Use, all applicable laws and regulations, and the rights of others.

The United States, Canada and certain other jurisdictions control the export of products and information. You agree to comply with such all applicable restrictions and not to export or re-export the Content (including Software) to countries or persons prohibited under United States, Canada or other applicable export control laws or regulations. By downloading the Content (including Software), You are representing that You are not in a country where such export is prohibited or are not a person or entity to which such export is prohibited. You are solely responsible for compliance with the laws of Your local jurisdiction and any other applicable laws regarding the import, export, or re-export of the Content (including Software).

Section 8. General
Rolland Investments, Inc. makes no claims the Content is appropriate or may be downloaded outside of the United States. Access to the Content (including Software) may not be legal by certain persons or in certain countries. If You access the Rolland Investments, Inc. web site from outside the United States, You do so at Your own risk and are solely responsible for compliance with the laws of Your jurisdiction and any other applicable laws.

Section 9. Jurisdiction
YOU HEREBY EXPRESSLY AND IRREVOCABLY AGREE AND CONSENT THAT ANY SUIT, ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO YOUR USE OF THE ROLLAND INVESTMENTS, INC. WEB SITE, THE ROLLAND INVESTMENTS, INC. SYSTEMS, INFORMATION, AND CONTENT MAY BE INSTITUTED IN ANY PROVINCIAL, STATE OR FEDERAL COURT SITTING IN THE CITY OF DENVER, STATE OF PENNSYLVANIA, UNITED STATES AND, YOU EXPRESSLY WAIVE ANY OBJECTION THAT YOU MAY HAVE NOW OR HEREAFTER TO THE LAYING OF THE VENUE OR TO THE JURISDICTION OF ANY SUCH SUIT, ACTION OR PROCEEDING, AND IRREVOCABLY SUBMIT GENERALLY AND UNCONDITIONALLY TO THE JURISDICTION OF ANY SUCH COURT IN ANY SUCH SUIT, ACTION OR PROCEEDING. YOU AGREE THAT SERVICE OF PROCESS MAY BE MADE BY PERSONAL SERVICE OF A COPY OF THE SUMMONS AND COMPLAINT OR OTHER LEGAL PROCESS IN ANY SUCH SUIT, ACTION OR PROCEEDING, OR BY ANY METHOD OF SERVICE PROVICED FOR UNDER THE APPLICABLE LAWS IN EFFECT IN THE STATE OF PENNSYLVANIA. IN ANY SUCH ACTION OR PROCEEDING YOU AGREE TO THE EXTENT PERMITTED BY APPLICABLE LAW, THAT ANY SUCH ACTION OR PROCEEDING SHALL BE TRIED BEFORE A COURT AND NOT BEFORE A JURY AND WAIVE TO THE EXTENT PERMITTED BY APPLICABLE LAW, ANY OBJECTION THAT YOU MAY HAVE THAT EACH ACTION OR PROCEEDING HAS BEEN BROUGHT IN AN INCONVENIENT FORUM.

If any provision of these Terms of Use is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect. No waiver of any of these Terms of Use shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Section 10. Complete Agreement
EXCEPT AS EXPRESSLY PROVIDED IN A SEPARATE LICENSE OR OTHER AGREEMENT BETWEEN YOU AND ROLLAND INVESTMENTS, INC. OR IN THE ROLLAND INVESTMENTS, INC. RATE AND SERVICE GUIDE AND TARIFF, THESE TERMS OF USE CONSTITUTE THE ENTIRE AGREEMENT BETWEEN YOU AND ROLLAND INVESTMENTS, INC. WITH RESPECT TO THE USE OF THE ROLLAND INVESTMENTS, INC. WEB SITE, THE ROLLAND INVESTMENTS, INC. SYSTEMS AND ANY SOFTWARE, INFORMATION AND CONTENT CONTAINED THEREIN.

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