Legal Disclaimer, Terms of Use, and Privacy Statement
January 27, 2002

LEGAL DISCLAIMER AND TERMS OF USE FOR THIS INTERNET SITE
PLEASE READ THESE TERMS OF USE CAREFULLY. THESE TERMS MAY HAVE CHANGED SINCE YOUR LAST VISIT TO THIS INTERNET SITE ("SITE"). BY USING THIS SITE, YOU INDICATE YOUR ACCEPTANCE OF THESE TERMS. IF YOU DO NOT ACCEPT THESE TERMS, THEN DO NOT USE THIS SITE.

NO LEGAL SERVICES OR ATTORNEY-CLIENT RELATIONSHIP
The information contained in this Site may be considered advertising under the Rules of the Supreme Judicial Court of New Jersey, and is for general guidance on topics selected by Hunt, Hamlin & Ridley (the "Firm"). Such information is provided on a blind-basis, without any knowledge as to the reader's industry, identity or specific circumstances. The application and impact of relevant laws will vary from jurisdiction to jurisdiction. There may also be delays, omissions, or inaccuracies in information contained in this Site. The information on this Site is provided with the understanding that the Firm's and various authors' and publishers' providing of such information does not constitute the rendering of legal, accounting, tax, career or other professional advice or services. Your use of this Site does not create any attorney-client relationship between you and the Firm. Information on this Site should not be relied upon or used as a substitute for consultation with professional advisors.

ACCESS TO THIS SITE
The Firm may alter, suspend, or discontinue this Site at any time for any reason, without notice or cost. The Site may become unavailable due to maintenance or malfunction of computer equipment or other reasons.

By using this Site, you agree to indemnify, hold harmless and defend the Firm from any claims, damages, losses, liabilities, and all costs and expenses of defense, including but not limited to, attorneys' fees, resulting directly or indirectly from a claim by a third party that alleges injury, damage or harm in whole or in part arising from the provision by you of information from, or claimed to be from, this Site, or that in any way arises from your use of this Site or information provided by this Site in violation of these terms.

COPYRIGHT AND TRADEMARK INFORMATION
This Site and all the information it contains, or may in the future contain, including, but not limited to, articles, memoranda, bulletins, reports, press releases, opinions, text, directories, guides, photographs, illustrations, trademarks, trade names, service marks and logos (collectively, the "Content"), is the property of the Firm, its partners, members, and employees, and is protected from unauthorized copying and dissemination by U.S. Copyright law, trademark law, international conventions, and other intellectual property laws. Certain of the trademarks and logos displayed on the site are owned by third parties. Nothing contained on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use this Site or any Content displayed on this Site, through the use of framing or otherwise, without the prior written permission of the Firm or such third party that may own the trademark or copyright of material displayed on this Site.

Subject to your full compliance with these terms, the Firm authorizes you to view the Content, make a single copy of it, and print that copy, but only for your own lawful, personal, noncommercial use, provided that you maintain all copyright, trademark and other intellectual property notices contained in such Content, and provided that the Content, or any part thereof, is not modified.

DISCLAIMER OF WARRANTIES
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE FIRM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SPECIFICALLY, BUT WITHOUT LIMITATION, THE FIRM DOES NOT WARRANT THAT: (i) THE INFORMATION ON THIS SITE IS CORRECT, ACCURATE OR RELIABLE; (ii) THE FUNCTIONS CONTAINED ON THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE; OR (iii) DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

RESPONSES TO ONLINE REQUESTS
From time to time, Hunt, Hamlin & Ridley may offer to provide information or materials via e-mail or otherwise to interested persons. Hunt, Hamlin & Ridley reserves the right, in its absolute discretion, to reject any requests for such information or materials, or to discontinue the provision of such information or materials to any person, for any reason whatsoever.

LIMITATIONS OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL THE FIRM BE LIABLE FOR ANY DAMAGES, INCLUDING INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, MULTIPLE OR OTHER INDIRECT DAMAGES OR FOR LOST PROFITS OR LOSS OF USE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE OR THE INFORMATION CONTAINED ON THIS SITE, EVEN IF THE FIRM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL THE FIRM'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE, THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE OR THE INFORMATION CONTAINED ON THIS SITE EXCEED $1.

JURISDICTIONAL ISSUES
The Firm makes no representation that information on this Site is appropriate or available for use outside the United States. Those who choose to access this Site from outside the United States do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

LINKS TO OTHER SITES
This Site may contain links to non-Firm sites. These links are provided to you only as a convenience. Such linked sites are not under the control of the Firm and the Firm is not responsible for the contents of any linked site, or any link contained in a linked site. The inclusion of any link does not imply endorsement by the Firm of the site, and the Firm shall have no responsibility for information which is referenced by or linked to this Site.

SUBMISSIONS TO THE FIRM AND AFFILIATED SERVERS
Information, including but not limited to remarks, suggestions, ideas, graphics, or other submissions, communicated to the Firm through this Site does not create an attorney-client relationship or confidential relationship between you and the Firm. Any electronic communication between you and the Firm will not be privileged or confidential; may be disclosed to other persons; and may not be secure. Therefore, you should not send any e-mail to the Firm that contains confidential or sensitive information. Further, all information submitted is the exclusive property of the Firm. The Firm is entitled to use any information submitted for any purpose, without restriction (except as stated in the Privacy Statement below) or compensation to the person sending the submission. The user acknowledges the originality of any submission communicated to the Firm and accepts responsibility for its accuracy, appropriateness, and legality.

ENFORCEMENT OF TERMS AND CONDITIONS
These Terms are governed and interpreted pursuant to the laws of the State of New Jersey, United States of America, notwithstanding any principles of conflicts of law.

All disputes arising out of or relating to these Terms shall be finally resolved by arbitration conducted in the English language in Newark, New Jersey, U.S.A. under the commercial arbitration rules of the American Arbitration Association. The parties shall appoint as sole arbitrator a retired judge who presided in the State of New Jersey. The parties shall bear equally the cost of the arbitration (except that the prevailing party shall be entitled to an award of reasonable attorneys' fees incurred in connection with the arbitration in such an amount as may be determined by the arbitrator). All decisions of the arbitrator shall be final and binding on both parties and enforceable in any court of competent jurisdiction. Notwithstanding this, application may be made to any court for a judicial acceptance of the award or order of enforcement. Notwithstanding the foregoing, the Firm shall be entitled to seek injunctive relief, security, or other equitable remedies from the United States District Court for the State of New Jersey or any other court of competent jurisdiction.

If any part of these terms is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining provisions. The Firm may, at its sole discretion and without notice, revise these terms at any time by updating this posting.

ENTIRE AGREEMENT
This is the entire Agreement between the parties relating to the subject matter herein and shall not be modified except in writing signed by both parties or by a new posting by the Firm, as described above.

PRIVACY STATEMENT
Because our Site permits individuals to submit e-mail, we have developed this Privacy Statement to inform Site visitors of our policies and practices regarding such information.

At some places on the Site, the use of a "cookie" may be offered. Most browsers now recognize when a "cookie" is offered, and permits the user to opt out of receiving it. If you are not sure whether your browser has this capability, you should check with the software manufacturer or your Internet service provider. "Cookies" are used on the Firm Site to facilitate use of an area of the Site. We do not use "cookies" to collect and distribute information to third parties for marketing purposes.

Visitors are able to send e-mail through this Site, and their messages will contain their user's screen name and e-mail address, as well as any additional information the user may wish to include in the message ("Contact Information"). Opportunities to send e-mail or to subscribe to e-mail distribution lists through the Site are provided solely to let individuals send comments and communications to us and to request information from us. These messages are forwarded through the Site to the appropriate persons within the Firm to respond, at their discretion, to the questions or comments or to provide the information requested. In the event that the Firm is requested to contact a visitor concerning a visitor's interest for law-related services, contact information may also be used for purposes of making that communication.