The following Terms and Conditions apply to the use of this Web site and to the use of all information, software, function, graphics, artwork, and any other material contained on this Web site (referred to separately and collectively as the "Contents").

By using this Web site and the Contents, you agree to abide by these Terms and Conditions which shall be binding on you, your successors and assigns.

Use of Web site

This Web site and the Contents are provided by FormFree Holdings Corporation (Delaware) and in cases VERIBANK INCORPORATED and TAXEDGE INCORPORATED, with offices at 1690 Stone Village Lane, Suite 501, Kennesaw, GA 30152, U.S.A., herein collectively referred to as "FormFree Corporation" and are intended for the use and benefit of regulatory compliance professionals in the financial services industry. This Web site is intended for use regarding selected laws and regulations of the United States of America and the states therein. Given the broad scope of laws and regulations that affect the financial services industry, it is impossible to track, monitor or address all issues that may be relevant to any given user. FormFree Corporation has attempted to identify the main areas that affect the compliance needs of the industry and continues to expand the scope of this Web site. However, FormFree Corporation encourages all users of this Web site to review the Contents with its legal counsel to confirm the status of the Contents before relying on it.

You agree to use this Web site and the Contents only for your internal or informational purposes or as specifically authorized in these Terms and Conditions and elsewhere on this Web site. Use for any other purpose is prohibited. FormFree Corporation may seek any available legal remedy or take any reasonable business steps to prevent the unauthorized use of, or access to, this Web site, and to prevent access to users who violate these Terms and Conditions. FormFree Corporation’ remedies include the right to seek equitable relief.

Registration and Passwords

Sections of this Web site are only available to you if you register as required in this Web site. You agree to provide true, accurate, complete and current information about yourself when registering and to update the information as needed to keep it true, accurate, complete and current. By registering, you agree to these Terms and Conditions and agree to allow FormFree Corporation to collect your registration information and allow FormFree Corporation to track your usage of this Web site to help FormFree Corporation improve the products and services FormFree Corporation provides. You further agree to allow FormFree Corporation to periodically send promotional email to you about this Web site, about FormFree Corporation’ products and services and the products and services of its affiliated companies and business partners. Upon your request, FormFree Corporation will cancel your registration, thereby removing you and your registration information from FormFree Corporation’ database and terminating your access to selected sections of this Web site. Upon cancellation of your registration, you will no longer receive email contact from FormFree Corporation as provided through this Web site. To request a cancellation of your registration or to update your registration information, contact FormFree Corporation using FormFree Corporation’ hyperlink. If FormFree Corporation has reason to believe your registration information is not true, accurate, complete or current, FormFree Corporation reserves the right to terminate your registration and refuse any and all future use of this Web site or the Contents. FormFree Corporation’ use of any personal information you provide as part of the registration process is governed by the terms of FormFree Corporation’ Privacy Policy.

To use certain sections of this Web site, you will need a user name and password, which you will select as part of the registration process. You acknowledge that FormFree Corporation reserves the right to refuse to grant you a user name that is already in use, may be illegal, may be protected by trademark or other proprietary interest, is obscene or profane or otherwise determined by FormFree Corporation, in its sole discretion, to be inappropriate. You agree to be responsible for all acts and omissions that occur in connection with your password. It is your responsibility to maintain the confidentiality of the password and you are responsible for all activities that occur under your user name and password. You agree to immediately notify FormFree Corporation of any unauthorized use of your password or any other breach of security. FormFree Corporation is not and will not be responsible for any loss or damage resulting from your failure to protect your user name and password.

Interactive Sections of Web site

Certain sections of this Web site allow you to ask questions, post information or to participate in online discussions. FormFree Corporation does not control the communications or information provided by users of these features.

As a condition of your use of these interactive features, you agree not to:

• Upload, post, e-mail, transmit or otherwise make available any unlawful, threatening, abusive, harassing, tortuous, defamatory, vulgar, libelous, obscene, profane, pornographic or other inappropriate information of any kind, or any material that may constitute or encourage any illegal or improper act which might give rise to any civil liability or criminal offense, or otherwise violate any state, federal, local or international law.
  
  
• Upload, post, e-mail, transmit, or otherwise make available any material which infringes the copyright, intellectual property rights or privacy rights of any other party without first obtaining permission from the owner of those rights.
  
  
• Share any confidential information which you do not have the right to share under any law or under any contractual or fiduciary relationships.
  
  
• Upload, post, e-mail, transmit, or otherwise make available any material which contains a virus, code, file, program or other components designed to limit, interrupt, destroy or interfere with the functionality of any computer or telecommunications equipment or software.
  
  
• Upload, post, e-mail, transmit, or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation, whether commercial or otherwise.

All Contents furnished by you or other users of this Web site are the sole responsibility of the person furnishing the information. You understand that FormFree Corporation is not obligated to monitor any interactive sections of this Web site where users may post messages or supply information. However, FormFree Corporation reserves the right to modify, edit or remove any posting or other information, in whole or in part, at any time for any reason. FormFree Corporation further reserves the right to disclose any posting or other information provided by users if FormFree Corporation, in its sole discretion, believes such disclosure is reasonably necessary to comply with any law, regulation or court order or if the disclosure is necessary to protect the rights, property or safety of FormFree Corporation, its employees, its users or the public. FormFree Corporation assumes no responsibility for the accuracy, completeness, applicability, analysis, or timeliness of the information or for any loss or damage that may occur as a result of relying on information on this Web site.

Updates and Changes to Web site

FormFree Corporation monitors the Contents, use, and user comments regarding this Web site. FormFree Corporation may make improvements, updates or changes to this Web site and the Contents at any time without notice to you. FormFree Corporation may also modify these Terms and Conditions without notice to you. By continuing to use this Web site after modifications have been made to these Terms and Conditions, you accept the modifications made to these Terms and Conditions. You are responsible for regularly reviewing these Terms and Conditions.

No Legal, Accounting or other Professional Advice

The Contents of this Web site are not intended to provide legal, accounting or other professional advice and should not be relied upon as such. Before using or acting upon any Contents on this Web site, you are advised to seek the advice of your attorney, accountant or other appropriate professional to determine: (1) if the Contents apply to your particular circumstances, and (2) the sufficiency of the Contents for your unique legal, accounting or other needs. FormFree Corporation, its officers, employees and agents are not authorized to practice law on your behalf or to provide you with accounting advice. The following notice is required by law:

Disclaimer of Warranties

YOU EXPRESSLY AGREE THAT THIS WEB SITE AND THE CONTENTS ARE PROVIDED "AS IS,” AND THAT YOUR USE OF THE WEB SITE AND THE CONTENTS ARE AT YOUR OWN RISK.

FormFree Corporation AND ITS THIRD PARTY LICENSORS MAKE NO WARRANTY, EXPRESS OR IMPLIED, WITH REGARD TO THIS WEB SITE OR THE CONTENTS, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. FormFree Corporation ARE NOT RESPONSIBLE FOR ANY ERRORS, OMISSIONS, RESULTS, OR DAMAGES THAT MAY OCCUR FROM THE USE OF THIS WEB SITE OR THE CONTENTS.

ADDITIONALLY, FormFree Corporation MAKES NO WARRANTY THAT: (I) THIS WEB SITE OR THE CONTENTS WILL BE ACCURATE, COMPLETE, UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (II) DEFECTS WILL BE CORRECTED; (III) THIS WEB SITE AND THE CONTENTS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (IV) THIS WEB SITE OR THE INFORMATION AVAILABLE ON THIS WEB SITE WILL MEET YOUR REQUIREMENTS. FormFree Corporation MAKES NO REPRESENTATION OR WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEB SITE, THAT THE RESULTS THAT MAY BE OBTAINED FROM SUCH USE WILL BE RELIABLE, OR THAT THE QUALITY OF ANY PRODUCT, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THIS WEB SITE WILL MEET YOUR EXPECTATIONS. ANY MATERIALS AND/OR OTHER DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS WEB SITE IS DONE AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOADING OF SUCH MATERIAL OR DATA.

This Disclaimer of Warranties applies to the fullest extent permitted by law. Applicable law may not allow the exclusion of implied or other warranties, so the above Disclaimer of Warranties, or parts of it, will not apply to you to the extent that they are prohibited by law.

No modifications of this Disclaimer of Warranties are authorized unless they are in writing and signed by you and FormFree Corporation. Any such written modifications must be signed by a President or Vice President of FormFree Corporation.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT IN NO EVENT SHALL FORMFREE COPORATION, FormFree Corporation OR ANY FormFree Corporation’ CONTENT PROVIDER OR LICENSOR BE LIABLE FOR ANY INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, CONTENT OR OTHER INTANGIBLE LOSSES (EVEN IF FormFree Corporation OR ITS CONTENT PROVIDERS OR LICENSORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM (I) THE USE OR INABILITY TO USE THIS WEB SITE OR THE CONTENTS (INCLUDING, BUT NOT LIMITED TO DELETION OR LOSS OF CONTENT, DEFECTS OR DELAYS IN TRANSMISSION, OR ANY FAILURE OF A SERVER, OR THE INTERNET), (II) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM THE COST OF ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEB SITE OR, (V) ANY OTHER MATTER RELATING TO THE WEB SITE OR ITS CONTENT. YOU AGREE THAT FormFree Corporation’ TOTAL LIABILITY FROM OR RELATED TO YOUR USE OF AND ACCESS TO THIS WEB SITE AND THE CONTENTS, WHETHER THE FORM OF ACTION OR CLAIM IS IN CONTRACT, TORT, WARRANTY, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, SHALL NOT EXCEED THREE HUNDRED DOLLARS ($300).

IF YOU ARE DISSATISFIED WITH THE INFORMATION AVAILABLE TO YOU THROUGH THIS WEB SITE, OR WITH ANY OF THE TERMS OF USE OF THIS WEB SITE AND THE CONTENTS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THIS WEB SITE AND THE INFORMATION AVAILABLE THROUGH THIS WEB SITE.

FormFree Corporation’ Proprietary Interests, Copyrights and Trade Names

FormFree Corporation and its licensors reserve all rights in and to this Web site and the Contents unless otherwise expressly provided. FormFree Corporation and its licensors vigorously protect all their respective intellectual property rights.

Unless otherwise noted, FormFree Corporation claims a proprietary interest and copyright in this Web site and all of the Contents. FormFree Corporation’ claim includes FormFree Corporation’ intellectual property interests in the questions, sequence of questions, analysis and logic used in this Web site, and in the documents referenced in this Web site. This Web site may include information, software and other tools which are the proprietary property of others or which are public or works of the government. FormFree Corporation is using such information, software and other tools with permission and authority from the owners of such proprietary rights (when required).

You may print or copy the Contents of this Web site for your information and education only. Any re-use or distribution of the Contents for commercial use is prohibited. You may not use any of the Contents of this Web site for any illegal or unauthorized purposes. FormFree Corporation grants limited permission to financial institutions to reproduce the copyrighted material of this Web site for internal, non-commercial use as a training tool provided the Contents include "Copyright © FormFree Corporation. All rights reserved."

Except as specifically authorized above, you may not modify, print, copy, distribute, transmit, display, store, reproduce, publish, license, sell, create derivative works from, transfer, broadcast in any media, post or frame, or redistribute in any way this Web site or the Contents unless expressly authorized by these Terms and Conditions, the express provisions on this Web site, a separate written agreement signed by you and FormFree Corporation, or applicable law.

This Web site may also include various product names, business names, logos, slogans, and other marks in which FormFree Corporation has a registered trademark interest or other protectable interest (collectively " FormFree Corporation Marks"). It may also includes product names, business names, logos, slogans, and other marks in which others have a protectable interest (collectively "Other Marks"). You may not in any way use any FormFree Corporation Marks or Other Marks on this Web site without the prior express written permission of the owners.

Submitting Your Comments and Ideas

FormFree Corporation welcomes your comments and ideas, including ideas for new FormFree Corporation products, improvements to existing FormFree Corporation products, and improvements to this Web site and the Contents. FormFree Corporation carefully reviews and considers your comments and ideas, but is unable to implement all of them. In order for FormFree Corporation to freely respond to your comments and ideas and to implement FormFree Corporation’ own ideas (which may be similar or identical to yours), all comments and ideas submitted to FormFree Corporation will become FormFree Corporation property. By submitting comments or ideas to FormFree Corporation, you waive all rights you may have in them. Your comments and ideas will not be treated as confidential.

Links to Third Party Sites

This Web site may include links to other sites which are not owned, operated, or controlled by FormFree Corporation. FormFree Corporation provides you with such links solely for your convenience. The inclusion of such links does not mean or imply that FormFree Corporation endorses the linked sites, their Contents, or any products or services described or sold on them. FormFree Corporation is not responsible for the Contents or use of any linked site or any link contained in a linked site. FormFree Corporation is not responsible for making changes or updates to any such sites.

Privacy Policy Statement

Registration data and certain other information about you is subject to FormFree Corporation’ Privacy Policy.

General

These Terms and Conditions will be governed and construed under the laws of the State of Georgia, U.S.A., without regard to its choice of law provisions. You agree that any action at law or in equity arising out of or relating to this Web site or the Contents, including these Terms and Conditions, will be filed only in the state or federal courts located in Minnesota. You consent and submit to the personal jurisdiction of such courts for the purpose of litigating any such action.

If any term or provision of these Terms and Conditions is held to be invalid, void or unenforceable by a court or arbitrator of competent jurisdiction, the remainder of these Terms and Conditions will not be affected, impaired or invalidated and each remaining term or provision will be valid and enforceable to the fullest extent permitted by law.