By accessing this site, you signify your agreement with and understanding of the following Terms of Use and Legal Information pertaining to both this site and any material at it.

Restricted Stock Systems, Inc. (hereinafter referred to as "RSS") owns and maintains this site. The trademarks, logos and service marks displayed at this site are registered trademarks of RSS and others. Nothing at this site shall be construed as granting, by implication, estoppel or otherwise, any license or right to use any image, trademark, logo or service mark at the site. No act of downloading or otherwise copying from this site will transfer title to any software or material at this site to you. Anything that you transmit to this site becomes the property of RSS, may be used by RSS for any lawful purpose, and is further subject to disclosure as deemed appropriate by RSS, including to any legal or regulatory authority to which RSS is subject. RSS reserves all rights with respect to copyright and trademark ownership of all material at this site, and will enforce such rights to the full extent of the law.

RSS makes no representations that materials at this site are appropriate for use in all locations, or that transactions, securities, products, instruments or services discussed at this site are available or appropriate for sale or use in all jurisdictions, or by all investors or counterparties. Those who access this site do so on their own initiative, and are responsible for compliance with applicable local laws or regulations. Users of this site may not necessarily be able to deal directly with all entities that post materials at this site. No software at this site may be downloaded or otherwise exported in contravention of US Department of Treasury or US Department of Commerce regulation, or to a resident of or location in any nation to which the US or UK has embargoed goods.

Under no circumstances should any material at this site be used or considered as an offer to sell or a solicitation of any offer to buy the securities or any other instruments of RSS or any other issuer. Offers can only be made where lawful under applicable law. If you wish to obtain further details about any information contained on this site we suggest that you contact a RSS Representative. It is possible that individual employees of RSS may disagree with opinions or recommendations in materials at this site. RSS may make a market or deal as principal in the securities, commodities or instruments mentioned in materials at this site or in options or other derivative instruments based thereon. In addition, RSS, its shareholders, directors, officers and/or employees, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of RSS may be a director of the issuer of the securities mentioned at this site.

While RSS uses reasonable efforts to obtain information from reliable sources, RSS makes no representations or warranties as to the accuracy, reliability or completeness of any information or document at this site. Opinions and any other contents at this site are subject to change without notice. RSS is not utilizing this site to provide investment or other advice to you or any other party, and no information or material at this site is to be relied upon for the purpose of making or communicating investment or other decisions.

All materials at this site are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

RSS has not reviewed any of the sites linked to this site, and is not responsible for the content of off-site pages or any other site linked or linking to the site. Your linking to any off-site pages or other sites is at your own risk.

The materials at this site are provided "as is" without warranty of any kind, either express or implied, to the fullest extent permissible pursuant to applicable law, including but not limited to the implied warranties of merchantability or fitness for a particular purpose or non-infringement. RSS further assumes no responsibility for, and makes no warranties that, functions contained at this site will be uninterrupted or error-free, that defects will be corrected, or that the site or the server that makes it available will be free of viruses or other harmful components. Lehman Brothers shall not be liable for any damages to, viruses that may infect, or services, repairs or corrections that must be performed on your computer or other property on account of your accessing or use of this site. Please note that some jurisdictions do not allow the exclusion of implied warranties, so some or all of the above exclusion may not apply to you.

Under no circumstances, including, but not limited to, negligence, shall RSS be liable for any special or consequential damages that result from the access or use of, or the inability to access or use, the materials at this site, even if RSS or an authorized RSS representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability for consequential or incidental damages, so the limitation or exclusion may not apply to you. In no event shall RSS's total liability for any and all damages and causes of action exceed the amount paid by you, if any, for the use of this site.

This agreement shall be governed by and construed in accordance with the substantive and procedural laws of the State of New Jersey, without giving effect to the principles of conflicts of law.