Terms of Use

Please read the following Terms and Conditions of Use (the "Terms") carefully before using this web site (the "Site"). The Terms govern your use of the Site and are binding between you and Highland Capital Corporation ("HCC").The Terms also include and incorporate by reference, as if set forth herein in full and as applicable, the terms and conditions of the agreements and other documents governing the HCC business services which you determine to use from time to time. Use of the Site may also be subject to Terms contained in separate written (including electronic) agreements between you and HCC regarding specific products and services offered by HCC.

1. Acceptance of Terms and Subsequent Amendments

Your use of the Site constitutes your full legal acceptance of the Terms to the same extent as if you had physically signed an agreement with HCC. IF YOU DO NOT AGREE TO THE TERMS, DO NOT USE THE SITE. You agree that HCC may amend or alter the Terms by posting on the Site such revised Terms or a reference to the web site where such revised Terms may be reviewed. Use of the Site after such posting of any modifications or additions shall constitute your acceptance of the new Terms as indicated above. We therefore suggest that you review the Terms periodically for any changes or modifications.

2.Limited Authorization to Use Protected Material

HCC grants you permission to display, download, and reproduce information posted on the Site ("Information") subject to your agreement to abide by the following conditions: you may display, download, and reproduce the Information solely for your personal, non-commercial purposes or your internal business purposes. You must retain and reproduce each copyright notice or other proprietary rights notice contained in any of the Information you display, download, or reproduce. With the exception of the foregoing limited authorization, you are not granted any license to or right in the Information on the Site, nor may you modify, transmit, reproduce, distribute. publish, transfer, sell or otherwise use any Information obtained from or through the Site.

The Site contains or references trademarks, copyrights, patents, trade secrets, logos or other proprietary rights of HCC ("Intellectual Property"). The Information and Intellectual Property on the Site are the exclusive property of HCC. Removing or altering any copyright or other legal notice included with Information on the Site is prohibited. HCC also owns a copyright in the Site as a collective work and/or compilation, and in the selection, coordination and arrangements of the Site's content. Except as otherwise expressly stated herein, you are not granted any license to use, or right in, any Intellectual Property on the Site. Non-compliance relating to displaying, downloading and reproduction of the Information, and the use of the Intellectual Property displayed or otherwise made available on the Site, constitutes a material breach of the Terms and immediate forfeiture of the above limited authorization.

Images of people or places displayed on the Site are either the property of, or used with permission by, HCC. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by the Terms or by specific permission provided elsewhere on the Site or in a separate writing signed by an authorized officer of HCC. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and potentially other statutes and regulations. Descriptions of, or references to products, services, or publications within the Site does not imply endorsement of that product, service, or publication. The Site may also contain or reference the intellectual property of third parties. No license or permission is granted herein with respect to any such intellectual property of third parties.

3. Accuracy: Limitation of Liabil i ty and Exclusion of Warranties

HCC makes commercially reasonable efforts to ensure that all information contained on the Site is accurate and up to date. Nevertheless, your use and browsing of the Site is exclusively at your own risk and the Site is provided to you AS-IS WITHOUT WARRANTY OF ANY KIND. HCC MAKES NO WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE USE OF THE SITE AND THE MATERIALS CONTAINED HEREIN. HCC EXPRESSLY DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTY OF ACCURACY OR QUALITY AND ANY IMPLIED WARRANTY OF MERCHANTABILITY. FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT AND ASSUMES NO LIABILITY FOR ANY ERRORS AND/OR OMISSIONS IN THE INFORMATION CONTAINED IN THE SITE.

In the event that any provision of the Terms is determined to be unenforceable or invalid, such provision shall nonetheless be enforced to the fullest extent permitted by applicable law, and such determination shall not affect the validity and enforceability of any other remaining provisions.

The section titles in the Terms are for convenience only and have no legal or contractual effect.

HCC is committed to providing the best possible experience for users of the Site. If you observe material or behavior that may violate one of the Terms, including without limitation material that you believe may be infringing another's rights, please contact Highland Capital Corporation, 5 Center Avenue, Little Falls, New Jersey 07424 or by emailing at customerservice@highlandcc.com.

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