PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE:

Lehman Brothers Bank requires that all the visitors to our site(s) on the Internet (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions.

Lehman Brothers Bank maintains this Site to provide you with information about Lehman Brothers Bank's products and services and to facilitate communication with Lehman Brothers Bank and its related companies. From time to time we may revise these terms and conditions.

Copyright in the images, text, screens, and web pages appearing at the Site is owned by Lehman Brothers Bank or others as indicated. You may copy information from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the express written permission of Lehman Brothers Bank.

Not all of the products or services described on the Site are available in all geographic areas. You may not be eligible for all the products or services described. Lehman Brothers Bank reserves the right to determine the eligibility for any product or service. WITH REGARD TO SERVICES OR PRODUCTS PURCHASED OR OBTAINED BY YOU THROUGH THE SITE FROM A PERSON OR ENTITY OTHER THAN LEHMAN BROTHERS BANK, LEHMAN BROTHERS BANK MAKES NO WARRANTY OF MERCHANTABILITY OR WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE WITH REGARD TO SUCH SERVICES AND PRODUCTS AND LEHMAN BROTHERS BANK SPECIFICALLY DISCLAIMS ALL OTHER WARRANTIES WITH REGARD TO SUCH SERVICES OR PRODUCTS.

The information appearing in our mortgage pages is intended to provide you with general guidance on the home buying and financing process. We encourage you to consult your individual legal, financial and/or tax advisor before entering into any contract for the purchase of real estate.

BY USING THIS SITE, YOU AGREE THAT CERTAIN INFORMATION WILL BE SHARED WITH OUR AFFILIATES AND MAY BE SHARED WITH NON-AFFILIATED THIRD PARTIES. PLEASE REFER TO OUR PRIVACY STATEMENT FOR DETAILS.

We will use our best efforts to include accurate and up-to-date information on the Site, but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the Site (even if we have been advised of the possibility of such damages), including liability associated with any viruses which may infect a user's computer equipment.

BY ACCEPTING THE TERMS OF THIS SITE, YOU AGREE TO RECEIVE ANY LEGAL DISCLOSURES REGARDING THE PRODUCTS OFFERED ELECTRONICALLY. IF YOU WOULD PREFER TO RECEIVE PAPER DISCLOSURES, PLEASE CONTACT OUR CUSTOMER SERVICE DEPARTMENT AT 1-888-LBB-9295 (1-888-522-9295).

You agree that your use of this Site shall be governed by applicable Federal and New York law and all of the rules and regulations applicable to Federal Savings Banks. In any action to enforce or arising out of use of the Site, each of the parties hereto consents to the jurisdiction of and venue in the state and federal courts of New York located within the Borough of Manhattan, City of New York, for the adjudication of all matters relating hereto or arising hereunder.

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LEHMAN BROTHERS BANK, FSB