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Terms of Use Please read these terms and conditions carefully. By accessing this website and any pages hereof, you are indicating that you have read, acknowledge and assent to be bound by these terms and conditions. If you do not agree to these terms and conditions, do not access this website. CFG reserves the right to change these terms and conditions and you are responsible for regularly reviewing these terms and conditions. Your continued use of this website constitutes your agreement to all such terms and conditions. As used herein, CFG means Crusader Financial Group and its affiliates.

General Information This website comprises various websites and pages operated by CFG (collectively, the “website”). Certain sections of or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. You should read those additional terms and conditions carefully. By accessing such sections or pages, you agree to be bound by those additional terms and conditions. In the event of a conflict, those additional terms and conditions will govern for your use of those sections or pages. Unauthorized use of CFG’s website and systems, including, but not limited to, unauthorized entry into CFG’s systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this website in any manner that could damage, disable, overburden, or impair any CFG site or service or interfere with any other party’s use and enjoyment of any CFG site or service. You may not attempt to gain unauthorized access to any CFG site or service, computer systems or networks connected to any CFG site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this website that are contrary to applicable laws or regulations. The information and materials on this website may contain typographical errors or inaccuracies. CFG reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this website and to suspend and/or deny access to this website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. Any dated information is published as of its date only, and CFG does not undertake any obligation or responsibility to update or amend any such information. CFG may discontinue or change any product or service described in or offered on this website at any time.

Disclaimer of Warranty and Limitation of Liability The information, products and services on this website are provided on an “AS IS,” “WHERE IS” and “WHERE AVAILABLE” basis. CFG does not warrant the information or services provided herein or your use of this website generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. CFG will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this website. Although the information provided to you on this website is obtained or compiled from sources we believe to be reliable, CFG cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither CFG, nor any of its affiliates, directors, officers or employees, nor any third-party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this website, or resulting from the act or omission of any other party involved in making this website, the data contained herein or the products or services offered on this website available to you, or from any other cause relating to your access to, inability to access, or use of the website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of CFG or of any vendor providing software or services. In no event will CFG or any such parties be liable to you for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if CFG or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your Internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. CFG cannot and does not guarantee continuous, uninterrupted or secure access to the website.

Proprietary Rights All rights, title and interest in this website and any content contained herein is the exclusive property of CFG, except as otherwise stated. Unless otherwise specified, this website is for your personal and non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in whole or in part any information, software, products or services obtained from this website, except for the purposes expressly provided herein, without CFG’s prior written approval. If you download any information or software from this website, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information. CFG, the CFG logo and other CFG trademarks and service marks referenced herein are trademarks and service marks of CFG. The names of other actual companies and third-party products or services mentioned herein may be the trademarks or service marks of their respective owners. You are prohibited from using any marks for any purpose including, but not limited to use as CFG on other pages or sites on the World Wide Web without the written permission of Crusader or such third party, which may own the marks. Pursuant to Section 512(c)(2) of the Copyright Act, CFG designates the following agent to receive notifications of claimed infringement: Blair West, Crusader Investments, 230 Park Avenue, Suite 1000, New York, New York 10169; fax: (212) 472-2228; internetadmin@crusader.com.

Use of Links This website may contain links to and be linked from third-party websites. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by CFG of any information contained in any third-party website. In no event shall we be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this website.

Securities Products None of the information contained in this website constitutes a solicitation or offer by CFG or its affiliates to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service. Prior to the execution of any transaction by you involving information you received from this website, you should consult your business advisor, attorney, and tax and accounting advisors with respect to the price, suitability, value or other aspects of any stock, mutual fund, security or other investment. Pricing and other information generated through the use of data or services made available herein may not reflect actual prices or values that would be available in the market at the time provided or at the time that the user may want to purchase or sell a particular security or other instrument. The information and services provided on this website are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where CFG is not authorized to provide such information or services. Some products and services described in this website may not be available in all jurisdictions or to all clients.

Privacy CFG respects your privacy. See the CFG Privacy Policy for disclosures relating to the collection and use of your information.

Choice of Law This agreement shall be governed by and construed in accordance with the laws of the state of New York, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to this agreement shall be in an appropriate state or federal court located in the County of New York, State of New York and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have with respect to your use of this site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of this agreement, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this agreement, and the remainder of this agreement shall continue in full force and effect. This agreement constitutes the entire agreement between CFG and you with respect to this site and it supersedes all prior or contemporaneous communications, agreements and understandings between CFG and you with respect to the subject matter hereof. A printed version of this agreement shall be admissible in judicial or administrative proceedings.

Forward-Looking Statements This document contains certain “forward-looking statements.” Readers are cautioned that certain important factors may affect actual results and could cause such results to differ materially from any forward-looking statements which may be deemed to have been made in this announcement or which are otherwise made by or on behalf of Crusader Financial Group. The forward looking statements are identified through use of the words “potential,” “anticipate,” “expect,” “planned” and other words of similar meaning. These forward-looking statements may be affected by the risks and uncertainties inherent in the financial services business. CFG cautions readers that certain important factors may have affected and could in the future affect CFG’s beliefs and expectations and could cause the actual results to differ materially from those expressed in any forward-looking statement made by or on behalf of the company. CFG undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date hereof. Factors which may affect results include, but are not limited to, the ability to raise capital necessary to sustain operations and implement the business plan, the ability to obtain additional regulatory permits and approvals to operate in the financial services area, the ability to identify and complete acquisitions and successfully integrate acquired businesses, if any, the ability to implement the company’s business plan, changes in the real estate market, interest rates or the general economy of the markets in which the company operates.