By visiting, using and/or submitting information to www.bankrate.com, including by viewing or using Safe & Sound Ratings and Reports, you are accepting the practices described in the terms and conditions of Bankrate's Agreement of Terms of Use located at the URL http://www.bankrate.com/rates/safe-sound/terms-use.aspx (the "Terms of Use"). Your use of the Safe & Sound Ratings and reports is subject to Bankrate's Terms of Use.

Please note that you may only access, print, e-mail, download or otherwise make personal use of Safe & Sound ratings information, as well as any text, graphics, charts, pictures, photographs, images, line art, icons and renditions appearing in connection with the Safe & Sound ratings information in the form of: (1) one machine-readable copy; (2) one backup copy; and (3) one print copy for your noncommercial use; provided, however, that you shall not delete any proprietary notices or material with regard to the foregoing. You may not modify the Safe & Sound ratings information, or any text, graphics, charts, pictures, photographs, images, line art, icons and renditions appearing in connection with the Safe & Sound ratings information or utilize them for any commercial purpose or any other public display, performance, sale or rental.

ALL SAFE & SOUND RATINGS AND REPORTS ARE PROVIDED TO YOU ON AN "AS-IS" BASIS. BANKRATE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING ITS SAFE & SOUND RATINGS AND REPORTS, OR ANY RELATED INFORMATION. WITHOUT LIMITING THE GENERALITY OF THE PREVIOUS SENTENCE, NO REPRESENTATIONS, WARRANTIES OR GUARANTEES ARE MADE REGARDING THE ACCURACY, CORRECTNESS, COMPLETENESS OR TIMELINESS OF SAFE & SOUND RATINGS AND REPORTS, OR RELATED INFORMATION. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING:

BANKRATE HEREBY DISCLAIMS ALL LIABILITY WHATSOEVER FOR ANY ERROR, INACCURACY, INCOMPLETENESS OR UNTIMELINESS WITH RESPECT TO ANY DATA OR ANY OTHER DEFECT WITH RESPECT TO ANY DATA THAT MAY AT ANY TIME HAVE THE EFFECT OF CAUSING ANY SAFE & SOUND RATING OR REPORT TO BE ERRONEOUS, INACCURATE, INCORRECT, INCOMPLETE OR UNTIMELY IN ANY MANNER WHATSOEVER.

BANKRATE GENERALLY GENERATES OR UPDATES SAFE & SOUND RATINGS AND REPORTS ON A QUARTERLY BASIS IN ARREARS. HOWEVER, BANKRATE MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT ANY SPECIFIC SAFE & SOUND RATING OR REPORT HAS BEEN OR WILL BE UPDATED ON A QUARTERLY BASIS. THE DATE INDICATED ON EACH SAFE & SOUND RATING OR REPORT REFLECTS THE LAST DAY OF THE QUARTER WITH RESPECT TO WHICH SUCH SAFE & SOUND RATING OR REPORT IS APPLICABLE; HOWEVER, BANKRATE MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT ANY DATA IS CURRENT, UPDATED, CORRECT OR OTHERWISE RELIABLE AS OF ANY SUCH DATE.

FOR THE AVOIDANCE OF DOUBT, EACH SAFE & SOUND RATING AND REPORT IS DERIVED FROM INITIALLY AVAILABLE DATA (I.E., CERTAIN INFORMATION INCLUDED IN THE INITIAL CALL REPORT FILED BY THE APPLICABLE FINANCIAL INSTITUTION WITH A DATA SOURCE THAT IS INITIALLY MADE PUBLICLY AVAILABLE BY A DATA SOURCE.) WITH RESPECT TO THE QUARTER INDICATED ON SUCH SAFE & SOUND RATING OR REPORT. BANKRATE MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT ANY SAFE & SOUND RATING, REPORT OR RELATED INFORMATION REFLECTS ANY AMENDMENT, CORRECTION, OR OTHER UPDATE WHATSOEVER WITH RESPECT TO ANY SUCH INITIAL CALL REPORT. IF YOU ARE A FINANCIAL INSTITUTION OR ITS AGENT, PLEASE NOTE THAT BANKRATE WILL NOT ACCEPT FROM YOU ANY AMENDMENTS, CORRECTIONS OR OTHER UPDATES TO INITIALLY AVAILABLE DATA, WHATSOEVER.

YOUR USE OF SAFE & SOUND RATINGS AND REPORTS IS AT YOUR SOLE RISK. YOU SHOULD CONTACT YOUR FINANCIAL INSTITUTION TO EVALUATE ITS FINANCIAL CONDITION.

ALL SAFE & SOUND RATINGS AND REPORTS ARE INTENDED ONLY TO ASSIST YOU WITH FINANCIAL DECISIONS AND DO NOT CONSIDER YOUR PERSONAL FINANCIAL SITUATION. YOUR PERSONAL FINANCIAL SITUATION IS UNIQUE AND THE INFORMATION MAY NOT BE APPROPRIATE FOR YOUR PERSONAL SITUATION. ACCORDINGLY, BEFORE MAKING ANY FINAL DECISIONS REGARDING YOUR FINANCIAL INSTITUTION, BANKRATE RECOMMENDS THAT YOU OBTAIN ADDITIONAL INFORMATION AND ADVICE OF FINANCIAL ADVISERS WHO ARE FULLY AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES.

EVENTS SUCH AS NATURAL DISASTERS, MAY OCCUR AFTER SAFE & SOUND RATINGS AND REPORTS WERE PREPARED AND BEFORE THEY ARE UPDATED AS SCHEDULED, AND MAY HAVE ALTERED AN INSTITUTION'S FINANCIAL CONDITION. ALL INSTITUTIONS INCLUDED IN OUR SAFE AND SOUND FEATURE ARE SCORED AND RATED AT THE SAME TIME AND PAYMENT IS NOT A CONSIDERATION. WE ARE UNABLE TO ACCEPT ANY AMENDED INFORMATION.

BANKRATE SHALL IN NO EVENT BE RESPONSIBLE TO, OR LIABLE TO, YOU, OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES THAT INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS, AS A DIRECT OR INDIRECT RESULT OF YOUR RELIANCE UPON OR USE OF THE SAFE & SOUND RATINGS AND REPORTS.