Welcome to the Web site (the "Site") of Metavante Lending Solutions ("Metavante"). Your access to and use of this Site is subject to the following terms and conditions ("Site Terms"). BY ACCESSING AND USING THE SITE, YOU AGREE TO BE BOUND BY THE SITE TERMS, SO PLEASE READ THEM CAREFULLY. IF YOU DO NOT AGREE TO THE SITE TERMS, DO NOT ACCESS OR OTHERWISE USE THE SITE.

The Site Terms may be changed at any time by Metavante, in its sole discretion. Any changes will be effective upon posting of the revised Site Terms on the Site, and your continued use of the Site following the posting of such revised terms will constitute your acceptance of such changes.

Copyright and Proprietary Rights
Unless otherwise stated, the Site and all software, text, logos, graphics, design elements, audio, and all other information and materials originated or used by Metavante in connection with the Site (the "Proprietary Elements") are the property of Metavante or its business partners and are protected by United States copyright, trade secret, and trademark law, as well as other state and federal laws and regulations. Except as expressly provided herein, Metavante does not grant any express or implied rights to you under any patent(s), copyright(s), trademark(s), trade dress or trade secret information. Accordingly, unauthorized use of the Site, the Proprietary Elements, or any other information or material available on or through the Site may violate patent laws, copyright laws, trademark laws, trade secret laws, laws pertaining to privacy and publicity rights, or other laws or regulations. Without limitation of the foregoing, you may not use any Metavante trademarks in connection with any goods or services that are not Metavante's, in any manner that is likely to cause confusion among consumers, or in any manner that discredits or disparages Metavante. Please be aware that Metavante actively and aggressively enforces its intellectual property rights to the fullest extent of the law.

Copyright © 2007 Metavante Corporation. All Rights Reserved. Metavante also owns a copyright in the Site as a collective work and/or compilation, and in the selection, coordination, arrangement and enhancement of the Proprietary Elements.

Site License
Metavante grants you a limited license to make personal use only of the Site and the Proprietary Elements, conditioned on your continued compliance with these Site Terms. You may not copy, reproduce, upload, post, transmit, print, download, distribute, sell, republish, sublicense, transfer, mirror or frame any part of the Site or the Proprietary Elements, except that you may print out or download portions of the Site or the Proprietary Elements for your own personal use or for other uses expressly permitted by Metavante. You may not modify or create derivative works of, or make any commercial use of, the Site or the Proprietary Elements without Metavante’s prior written consent, nor may you delete any copyright or similar notice from any contents you obtain from this Site. Further, you may not use any meta tags or any other "hidden text" utilizing a Metavante name or any Proprietary Element without Metavante’s prior written consent.

Privacy Policy
Metavante does not collect individually identifiable information from you as a visitor to the Site unless you provide it to us. Nor do we sell or otherwise disclose the names and addresses of visitors to this Site to unaffiliated third parties. Metavante uses WebTrends Live to analyze traffic to this Site. WebTrends Live does not collect any personal information such as names, ages, phone numbers, addresses or e-mail addresses from visitors to the Site, nor does it create individual profiles for visitors. However, WebTrends Live does collect certain anonymous visitor information (like IP addresses, pages visited and time spent on the web site), and WebTrends Live uses cookies to enable more accurate anonymous traffic analysis. Unlike some tracking services, WebTrends Live does not have a database of individual profiles for each visitor, and WebTrends Live only collects aggregate data. For more information about WebTrends Live’s privacy policy applicable to visitors to the Site, please click here (http://www.webtrendslive.com/privacy_policy.htm).

Communications From You
You agree that any communication or material you transmit to this Site or to Metavante by electronic mail or otherwise, including any data, questions, comments, ideas, suggestions, original or creative materials, or other information (collectively, "Communication") is submitted without any restrictions or expectation of confidentiality. Any such Communication shall be and remain the exclusive property of Metavante and, subject to the privacy policy described above, may be used by Metavante in any medium and for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast and posting. You specifically waive any proprietary or moral rights of any kind with respect to all Communications. Metavante is free to use any Communication and any ideas, concepts, know-how or techniques contained therein for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing products and/or services, and Metavante shall be under no obligation to pay you any compensation for any Communication submitted or to respond to any or your Communications.

Links to Third Party Internet Sites
The Site contains links to third party Internet sites, and certain third party sites link to the Site. None of such linked or linking sites are under Metavante’s control, and Metavante is not responsible for the content, nature or reliability of any such linked or linking site (or for any other site linked to in turn by a linked site). The fact that Metavante maintains a link to another site does not imply any affiliation with or endorsement of such site or the entity that sponsors that site. When you follow a link to a third party’s site, you should be aware that you are leaving the Site, and that these Terms of Use do not apply to the third party’s site. You should, therefore, review the applicable terms of use of the third party site which you have accessed. Metavante expressly disclaims any sponsorship of or control over any third party entity, product or service that is referenced on this Site, and no such reference implies any affiliation with or endorsement or sponsorship thereof. You should use your own independent judgment to evaluate the merits of any third party entity, product or service referenced on the Site.

Disclaimer and Limitation of Liability
YOU EXPRESSLY AGREE THAT USE OF THIS SITE, INCLUDING ALL CONTENTS DOWNLOADED OR ACCESSED FROM OR THROUGH THIS SITE, IS AT YOUR SOLE RISK. WHILE GHR SYSTEMS USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON THIS SITE, METAVANTE DOES NOT REPRESENT OR WARRANT THAT THE SITE OR THE MATERIALS IN THE SITE ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. METAVANTE ALSO DOES NOT REPRESENT OR WARRANT THAT THE SITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ALTHOUGH METAVANTE MAY MAKE CHANGES TO THIS SITE, OR TO THE PRODUCTS OR SERVICES DESCRIBED IN THIS SITE, AT ANY TIME WITHOUT NOTICE, METAVANTE MAKES NO COMMITMENT TO UPDATE THIS SITE. METAVANTE SPECIFICALLY DISCLAIMS ANY LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OF THIS SITE. YOUR SOLE REMEDY WITH RESPECT TO ANY PROBLEM WITH THE SITE OR ANY INFORMATION OR OTHER MATERIALS AVAILABLE ON OR THROUGH THE SITE SHALL BE TO DISCONTINUE YOUR USE THEREOF. IN NO EVENT SHALL GHR SYSTEMS, OR ANY DIRECTOR, OFFICER, EMPLOYEE OR AFFILIATE THEREOF, BE LIABLE FOR ANY SPECIAL, INDIRECT, PUNITIVE OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR THE INFORMATION OR CONTENT CONTAINED IN, ACCESSED THROUGH, OR AVAILABLE ON THIS SITE, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE), OR OTHERWISE, EVEN IF METAVANTE OR A METAVANTE AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING THE FOREGOING, EVERYTHING ON THIS SITE IS PROVIDED TO YOU "AS-IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, COMPATABILITY, SECURITY, ACCURACY, OR FREEDOM FROM COMPUTER VIRUS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN SUCH JURISDICTIONS, LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

Miscellaneous
These terms and conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, U.S.A., without giving effect to the conflict of law provisions thereof. Except for allegations that you have infringed or have threatened to infringe Metavante’s intellectual property rights, any dispute or controversy between you and Metavante, or arising under or concerning performance or breach of these Site Terms, shall be settled by one arbitrator in binding arbitration, to be held in Philadelphia, Pennsylvania, U.S.A., under the then-current rules of the American Arbitration Association. Judgment on the arbitration award may be entered in any court of competent jurisdiction. In the event that Metavante alleges that you have infringed or threatened to infringe Metavante’s intellectual property rights, then, in addition to any other rights and remedies Metavante may have, Metavante may seek any preliminary or permanent injunctive relief from any court of competent jurisdiction. For such actions, you consent to the exclusive personal jurisdiction and venue of the state courts located in Chester County, Pennsylvania and the United States District Court for the Eastern District of Pennsylvania.

In the event any provision of these Site Terms is determined to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Site Terms and shall not affect the validity and enforceability of any remaining provisions.

If you have any questions regarding the use of the Site, or its contents you should contact us directly at: mktg@ghrsystems.com