TERMS OF USE AND PRIVACY POLICY AGREEMENT BETWEEN USER AND HARLOW CAPITAL CORPORATION.
(operator of WWW.HARLOWCAPITAL.COM)

By accessing or using this site, you agree to the terms set forth by this agreement. Harlow Capital Corporation (HCC) provides the information to you on the condition of your acceptance, without modification, of the terms, conditions, and notices contained herein. Your use of this Web site constitutes your agreement to those conditions and notices.

The information you find on this web site is provided "as is" and is for reference and information gathering purposes only. Your use of the site is subject to any additional disclaimers that may appear throughout this site.

HCC assumes no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information or other material on this site. While HCC makes every reasonable attempt to keep the information on this site accurate, complete, and up-to-date; HCC and its suppliers cannot guarantee, and will not be responsible for, any damage or loss related to the timeliness, completeness or accuracy of the information.

LIMITATION OF USE

You may access, download and print materials on this Web site for your personal and noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or services obtained from this Web site without first obtaining written consent from HCC.

CHANGES TO SITE

HCC may make improvements or changes in the information, services, this agreement and other materials on this site, or terminate this site, at any time without notice. Such modifications shall be effective immediately upon posting of those changes.

PROPRIETARY RIGHTS

All materials on this site (as well as the organization and layout of the site) are owned by Harlow Capital Corporation. No reproduction, distribution, or transmission of the materials at this site is permitted without the written permission of HCC.

LINKS TO THIRD PARTY SITES

This Web site may contain hyperlinks to Web sites operated by parties other than HCC. Clicking on any link within our site may bring you to a site operated by a party independent of HCC. Such hyperlinks are provided for your reference only. HCC does not control such Web sites and is not responsible for their contents. HCC's inclusion of hyperlinks to such Web sites does not imply any endorsement of the material on such Web sites and you access and use such sites, including information, material, products and services therein, solely at your own risk. Furthermore, because the privacy policy you just read is applicable only when you are on our Web site, once linked to another Web site, you should read that site's privacy policy before disclosing any personal information.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Web site, you represent to the HCC that you will not use this Web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. Your permission to use this Web site will be terminated immediately if you violate any of these terms.

PRIVACY POLICY

User's privacy is extremely important to us at HCC, so we have come up with the following guidelines regarding information we ask you to send us at various points in the site.

• As a general rule, HCC does not give out the information we receive from you to third parties, except where is it necessary when obtaining loans and legal documents.
• Security: We ensure the confidentiality and security of information stored in our web site by taking all reasonable and prudent steps necessary to protect your personal information. While no security measure is foolproof, we believe that we have implemented a system that is as safe as today's technology permits. Since we realize the importance of protecting your privacy, we will continue to evaluate new technologies and make improvements as these technologies become feasible. All information requested on the "Commercial Loan Request Form" is transmitted via an SSL secure server with a digital certificate of authentication from VeriSign.

If at any time you feel that HCC has not adhered to this policy, please notify us by e-mail at info@harlowwolfe.com and we will make all reasonable efforts to promptly determine and correct the problem.

LIABILITY DISCLAIMER

You use this Web site at your own risk. If your use of this Web site or the materials therein results in the need for servicing or replacing property, material, equipment or data, HCC is not responsible for those costs.

THE INFORMATION AND SERVICES PUBLISHED ON THIS WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION CONTAINED AT THIS SITE. HCC MAY MAKE CHANGES AND/OR IMPROVEMENTS IN THIS WEB SITE AT ANY TIME.

ALL INFORMATION AND SERVICES ARE PROVIDED "AS IS". IN NO EVENT SHALL HCC BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION AND SERVICES OBTAINED THROUGH THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF HCC HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

INDEMNIFICATION

You agree to hold harmless HCC from any liability, loss, claim and expense (including reasonable attorneys' fees) related to your violation of this agreement. This website and its contents are not to be construed as solicitation of loans in states where solicitation of loans are prohibited by state law.