To access this site or some of the resources it has to offer, you may be asked to provide certain registration details. It is a condition of your use of this site that all the details you provide will be correct, current, and complete. If AFC believes the details are not correct, current, or complete, AFC has the right to refuse you access to the site or any of its resources, and to terminate or suspend your access at any time.

RESTRICTIONS ON USE
You have a nonexclusive, nontransferable, limited, revocable right to use this site solely to obtain information about AFC. You will not use this site for any other purpose, including any commercial purpose, without AFC's express prior written consent. For example, you will not (and will not authorize any other party to) (i) co—brand this site or any portion thereof, or (ii) frame this site or any portion thereof, or (iii) link to this site or any portion thereof, without the express prior written permission of an authorized representative of AFC. For purposes of these Terms of Use, "co—branding" means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute the site or content accessible within the site. You agree to cooperate with AFC in causing any unauthorized co—branding, framing or linking immediately to cease.

PROPRIETARY INFORMATION
The material and content accessible from www.afce.com, and any other World Wide Web site owned, operated, licensed or controlled by AFC or any of its related, affiliated or subsidiary companies (the "Content") is the proprietary information of AFC or the party that provided the Content to AFC, and AFC or the party that provided the Content to AFC retains all right, title, and interest in the Content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted or transmitted in any way without the prior written consent of AFC, except that you may print out a copy of the Content solely for your personal use, and members of the media may use Content provided in the site's Media Center solely for editorial purposes. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content. Modification or use of the Content except as expressly provided in these Terms of Use violates AFC's intellectual property rights. Neither title nor intellectual property rights are transferred to you by access to this site.

HYPER—LINKS
This site may be linked to other sites which are not maintained by, or related to, AFC. Hyper—text links to such sites are provided as a service to users and are not sponsored by or affiliated with this site or AFC. AFC has not reviewed any or all of such sites and is not responsible for the content of those sites. Hyper—links are to be accessed at the user's own risk, and AFC makes no representations or warranties about the content, completeness or accuracy of these links or the sites hyper—linked to this site. Further, the inclusion of any link to a third—party site does not necessarily imply endorsement by AFC of that site.

SUBMISSIONS
You hereby grant to AFC the royalty—free, perpetual, irrevocable, worldwide, non—exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all remarks, suggestions, ideas, graphics or other information communicated to AFC through this site (together, the "Submission"), and to incorporate any Submission in other works in any form, media or technology now known or later developed. AFC will not be required to treat any Submission as confidential, and may use any Submission in its business (including without limitation, for products or advertising), and will not incur any liability as a result of any similarities that may appear in future AFC operations.

DISCLAIMER
You understand that AFC cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of infection or viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the site for the reconstruction of any lost data. AFC does not assume any responsibility or risk for your use of the Internet.

The Content is not necessarily complete and up—to—date and should not be used to replace AFC's written reports, statements and notices. Investors, borrowers and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment. Information obtained by using this site is not exhaustive and does not cover all issues, topics or facts that may be relevant to your goals.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. AFC DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON—INFRINGEMENT. AFC DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR—FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. AFC DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND AFC MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT AFC, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. AFC MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

All of the information in this site, whether historical in nature or forward—looking, speaks only as of the date the information is posted on this site, and AFC does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is no longer accurate or complete. For additional information relating to forward—looking statements included in this site, please read the Forward—Looking Statement. Information included in this site does not constitute an offer to sell, or the solicitation of an offer to buy, any securities of AFC and this information should not be relied upon in connection with any offering of securities by AFC.

LIMITATION ON LIABILITY
AFC, ITS LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS, WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS OR SIMILAR DAMAGES, EVEN IF AFC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF AFC AND ITS LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT YOU HAVE PAID TO AFC FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE.

INDEMNITY
You will indemnify and hold AFC, its licensors, content providers, service providers and contractors (the "Indemnified Parties") harmless from any breach of these Terms of Use by you, including any use of Content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys' fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this site.

TRADEMARKS
Trademarks, service marks and logos appearing in this site are the property of AFC or the party that provided the trademarks, service marks and logos to AFC. AFC and any party that provided trademarks, service marks and logos to AFC retain all rights with respect to any of their respective trademarks, service marks and logos appearing in this site.

INFORMATION YOU PROVIDE
You may not post, send, submit, publish, or transmit in connection with this site any material that: you do not have the right to post, including proprietary material of any third party;
advocates illegal activity or discusses an intent to commit an illegal act;
is vulgar, obscene, pornographic, or indecent; does not pertain directly to this site;
threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or offensive; seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
infringes any intellectual property or other right of any entity or person, including violating anyone's copyrights or trademarks or their rights of publicity; violates any law or may be considered to violate any law; impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content; advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this site; solicits funds, advertisers or sponsors; includes programs which contain viruses, worms and/or "Trojan horses" or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications; disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise act in a way which affects the ability of other people to engage in real time activities via this site; includes MP3 format files; amounts to a 'pyramid' or similar scheme; disobeys any policy or regulations established from time to time regarding use of this site or any networks connected to this site; or contains links to other sites that contain content that falls within the descriptions set forth above. AFC reserves the right to monitor use of this site to determine compliance with these Terms of Use, as well the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your postings. You acknowledge and agree that neither AFC nor any third party that provides Content to AFC will assume or have any liability for any action or inaction by AFC or such third party with respect to any posting.

SECURITY
Any passwords used for this site are for individual use only. You shall be responsible for the security of your password (if any). AFC shall be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that AFC considers insecure, AFC will be entitled to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, AFC reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. AFC reserves the right to investigate suspected violations of these Terms of Use.

AFC reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing AFC to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use. BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS AFC FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY AFC DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER AFC OR LAW ENFORCEMENT AUTHORITIES.

MISCELLANEOUS
These Terms of Use will be governed and interpreted pursuant to the laws of the State of Georgia, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in Georgia in connection with any dispute between you and AFC arising out of these Terms of Use or pertaining to the subject matter hereof. The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter hereof shall be in the state and federal courts in Atlanta, Georgia. If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to the subject matter hereof. AFC can revise these Terms of Use at any time by updating this posting.

Last updated: May 14, 2002

Copyright © 2002 AFC Enterprises, Inc.