Terms, Conditions, and Disclaimers.

PLEASE READ THESE LEGAL TERMS, CONDITIONS, AND DISCLAIMERS CAREFULLY. BY ACCESSING THIS WEB SITE OF CREST CAPITAL, YOU AGREE TO BE BOUND BY THE LEGAL TERMS, CONDITIONS, AND DISCLAIMERS SET FORTH BELOW. IF YOU DO NOT AGREE TO THESE LEGAL TERMS, CONDITIONS, AND DISCLAIMERS, YOU SHOULD EXIT THIS SITE IMMEDIATELY. These Legal Terms, Conditions, and Disclaimers set forth the agreement ("Agreement") between Crest Capital (collectively with all of its affiliates, "Crest Capital") and any party or parties ("you" or "your") in regard to accessing or using this Web Site (this "Site"). Crest Capital reserves the right to revise these Legal Terms and Conditions at any time by updating this posting, and such revision will be in effect as of the time the revised Legal Terms, Conditions, and Disclaimers are posted. NO WARRANTIES CREST CAPITAL MAKES NO REPRESENTATION ABOUT THE SUITABILITY OF THE CONTENT OF THIS SITE FOR ANY PURPOSE. ALL CONTENT IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. CREST CAPITAL DISCLAIMS ANY WARRANTIES AND REPRESENTATIONS WITH REGARD TO THE CONTENT, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND SECURITY. ALTHOUGH CREST CAPITAL HAS TRIED TO PROVIDE ACCURATE AND TIMELY INFORMATION, THE CONTENT OF THIS SITE MAY NOT BE ACCURATE, COMPLETE OR CURRENT AND MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. IT IS YOUR RESPONSIBILITY TO VERIFY ANY INFORMATION BEFORE RELYING ON IT. FROM TIME TO TIME CHANGES ARE MADE TO THE CONTENT DISPLAYED ON THIS SITE. CREST CAPITAL MAY MAKE CHANGES IN THE PRODUCTS AND/OR THE SERVICES DESCRIBED ON THIS SITE AT ANY TIME. LIMITATION OF LIABILITY NEITHER CREST CAPITAL NOR ANY OF ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SUBCONTRACTORS SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF WE ARE ADVISED OF THE POSSIBILITY) ARISING IN ANY WAY FROM THE INFORMATION CONTAINED IN THIS SITE OR ANY INFORMATION TRANSMITTED VIA THIS SITE. CREST CAPITAL IS NOT LIABLE FOR ANY DAMAGES OR LOSSES THAT MAY BE CAUSED TO ANY EQUIPMENT AND OTHER SOFTWARE DUE TO ANY VIRUSES, DEFECTS OR MALFUNCTIONS IN CONNECTION WITH ACCESS OR USE OF THIS SITE. BY TRANSMITTING INFORMATION THROUGH THIS SITE, YOU ACCEPT THE RISK THAT THE INFORMATION YOU TRANSMIT TO US AND ANY INFORMATION THAT WE TRANSMIT TO YOU, MAY BE INTERCEPTED BY THIRD PARTIES. INDEMNITY YOU WILL INDEMNIFY, DEFEND AND HOLD HARMLESS CREST CAPITAL AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES (EACH, AN "INDEMNIFIED PARTY") FROM AND AGAINST ANY AND ALL CLAIMS, DEMANDS, LOSSES, COSTS, EXPENSES, LIABILITIES AND DAMAGES OF ANY KIND OR NATURE WHATSOEVER (COLLECTIVELY, "DAMAGES") INCURRED BY ANY INDEMNIFIED PARTY ARISING OUT OF, IN CONNECTION WITH OR RESULTING FROM (I) YOUR USE OF THIS SITE OR (II) YOUR BREACH OF THIS AGREEMENT. LINKS TO THIRD PARTY SITES This Site may contain links to Internet sites controlled or offered by third parties who are not affiliated with Crest Capital. These links are provided for your convenience. Your use of the hyperlinks on this Site to other Web sites is at your own risk and Crest Capital is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on such linked sites. Crest Capital makes no representations whatsoever concerning the content of those sites and hereby disclaims liability for any information, materials, products or services posted or offered at any of the third party sites linked to this Site. A link to a site is NOT an endorsement, authorization, sponsorship, or affiliation by or with Crest Capital with respect to such site or its providers. PRIVACY INFORMATION Crest Capital recognizes the importance of protecting the privacy and safety of our customers' confidential information. In general, that information is shared with nonaffiliated third parties only when those parties are acting on our behalf to provide services such as ordering credit bureaus, sending emails, providing optional alternative products and services, or as required or permitted by law. You should be aware that linked sites may contain confidentiality provisions that differ from these provisions. Crest Capital is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions. Crest Capital uses secure socket layer (SSL) technology to protect the privacy of personal information supplied to us or accessed through our Site. For more information, see Internet Privacy Policy. USE OF COOKIES To provide you with better service, Crest Capital may also use "cookies". A cookie is a small bit of information given to your browser by a web site, which can later be retrieved. A cookie is a way for a web site to recognize whether or not you have visited the site before. The cookie cannot be read by a web site other than the one that "set" the cookie. Crest Capital may use cookies for administrative purposes, such as where we store a password, or where you are able to customize the information you see. Recording cookies at such points is intended to make your online experience easier and faster. Crest Capital's cookies do not read your hard drive or contain any information that you have not already provided, and does not contain any information that enables anyone to contact you via telephone or email. Most web browsers may be set to inform you when cookies are set or to prevent them from being recorded on your hard drive. YOUR CONDUCT In using this Site, you agree: - to use the Site and content on the Site only for lawful purposes, - not to interfere with the security of, or otherwise abuse, the Site, or any services, accounts, networks or resources accessible through the Site or linked Websites; - not to upload or transmit through or on the Site any viruses, worms, malware or other harmful code or files; - not to use a robot, spider, script, or any means to extract, download, scrape, or circumvent the operation or intended use of the Site; - not to use the Site to submit or share any offensive, indecent, hateful, racist, sexist, pornographic, or otherwise inappropriate material; - not to use the Site to make unsolicited offers or requests, advertisements, or send spam; - not to use or attempt to use or access another person's product, account or personal information, or create or use a false identity on the Site; and - not to attempt to obtain unauthorized access to the Site that are restricted from general access. SUBMISSIONS TO THE SITE Although we encourage you to communicate with us via the Site, we do not want you to, and you should not, communicate to us any data, content, questions, comments, suggestions, ideas, graphics or other submissions (collectively, "Submissions") that contain confidential or proprietary information. With respect to Submissions, you agree that: (a) it shall not be considered confidential or proprietary and you shall have no right of confidentiality, and Crest Capital shall have no obligation to protect your Submissions from disclosure; (b) you own or control all rights or have obtained all necessary permissions in and to the Submission; (c) the Submission complies with all terms in the above "Your Conduct" section; (d) you grant Crest Capital an unrestricted right to reproduce, copy, or otherwise use, disclose, and distribute your Submissions to others and for Crest Capital's commercial or non-commercial purposes, without notice or compensation to you; and (e) Crest Capital shall be free to use, but is under no obligation to use your Submissions. ADVERTISING AND REMARKETING You acknowledge that third party vendors, including Google, Facebook, and Twitter, show Crest Capital advertisements on various internet sites. Third party vendors, including Google, Facebook, and Twitter, use cookies to serve advertisements based on your prior visits to this Site as well as other interactions with Crest Capital, allowing Crest Capital to make special offers and continue to market Crest Capital services to those who have shown interest. You also acknowledge that Crest Capital utilizes Google Adwords features such as remarketing, interest categories, similar audiences, other types of interest-based advertising, and demographic and location targeting to serve ads on third party sites. You also acknowledge that Crest Capital utilizes Google Analytics to collect data about your Site visits via Google Analytics advertising cookies and anonymous identifiers, in addition to data collected through a standard Google Analytics implementation. OPTING OUT You may opt out of Google’s use of cookies by visiting the Google advertising opt-out page. You may opt out of Facebook’s use of cookies by logging into Facebook and visiting the Facebook opt-out page. You may opt out of Twitter’s use of cookies by logging into Twitter and unchecking the box in the privacy settings next to the heading “Promoted content”. If you would prefer to opt out of a third party vendor’s use of cookies, please visit Network Advertising Initiative opt out page. From time to time Crest Capital may email you electronic newsletters, announcements, surveys or other information. If you prefer not to receive any or all of these communications, you may opt out by following the directions provided within the electronic newsletters and announcements. While you may opt-out of receiving promotional emails from Crest Capital, you may not opt out of receiving transactional emails from Crest Capital relating to your account. LOCATION OF PRODUCTS AND SERVICES The products and services referred to on this Site are offered by or through Crest Capital or affiliate entities. The products and services and the applicable terms and conditions may change at any time. There may be eligibility requirements for these products and services and they may not be available in all geographic areas. This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or county where such distribution or use would be contrary to local law or regulation. GENERAL Failure by Crest Capital to enforce any provision(s) of these Terms and Conditions shall not be construed as a waiver thereof. You agree that you will not sue us as an individual. You agree that you will not file or participate in a class action against Crest Capital. All rights not expressly granted herein are hereby reserved. JURISDICTION These Terms and Conditions will be governed by and be interpreted pursuant to the laws of the State of Georgia or the United States, notwithstanding any principles of conflicts of law. The state or federal courts located in Atlanta, Georgia, shall have exclusive jurisdiction over any cause of action arising out of or related to the content or use of this Site. ENTIRE AGREEMENT If any part of these Terms and Conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. Crest Capital reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular Internet address to the Site. COPYRIGHT COPYRIGHT CREST CAPITAL © 1989-. ALL RIGHTS RESERVED. All of the information on this Site, including all /images, is copyrighted material of Crest, except as otherwise indicated. You may not copy, download, republish, distribute or reproduce any of the information contained on this Site in any form without the prior written consent of Crest, unless otherwise indicated.