The pages and the screens displaying the pages and the information and material on the pages and the arrangement of the information and material are owned and controlled by CCMA unless otherwise indicated and are protected by the copyright laws of the United States of America and international treaty. The copyrighted and trademarked materials on the Site include, but are not limited to, the name "CCM Advisors," the CCMA logo, the content, the text, and the page design and graphics. American Hospital Association ("AHA") and the AHA logo are federally registered service marks of the American Hospital Association When you agree to these Terms and Conditions for Use; you are authorized to view the contents of the Site for your information purposes only. You may download copyrighted and trademarked material for your personal or internal business purposes only. You agree that you do not acquire any ownership rights in the copyrighted or trademarked material you download. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works from or republish in any form all or any part of the Site for any commercial or public purpose without the prior written consent of CCMA. You may not deep link to any page within the Site. You may not use any CCMA trademark as a link to the Site without the expressed written consent of CCMA. To request to link to the Site, please send your written request to the following address:

CCM Advisors, LLC

190 South LaSalle Street

Suite 2800

Chicago, Illinois 60603

Unauthorized use of the Site, including but not limited to unauthorized entry into any CCMA network, unauthorized use of any CCMA product or service, or the misuse of any password or any information or material appearing on the Site is prohibited.

For your protection and the protection of the CCMA network, all activity on this Site may be monitored and recorded, and you agree that CCMA may do so. CCMA may monitor your use of the Site for purposes including but not limited to Site and transaction security and usage tracking without prior notice to you.

You may be requested to provide information through the Site to enable CCMA to provide products and services to you. If you respond to a request for information, you agree that the information you provide will be accurate, complete and current. CCMA may use the information you provide to provide or offer you products and services consistent with the CCMA Privacy Policy.

The Site may contain links to web sites controlled or offered by a third party with CCMA ("Third Party Site"). CCMA DISCLAIMS LIABILITY FOR ANY INFORMATION, AND THE MATERIALS, PRODUCTS OR SERVICES AVAILABLE, LISTED OR OFFERED AT ANY THIRD PARTY SITE. By creating a link to a Third Party Site, CCMA does not thereby recommend or endorse any product or service offered on or through such site. CCMA is not responsible or liable for any failure of or defect in any product or service offered or advertised on or available through a Third Party Site. CCMA makes no warranty of any kind, express, implied or statutory, respecting any information, material, product or service provided on or through a Third Party Site, including but not limited to the accuracy, completeness or timeliness of any such information or material, the non-infringement of the rights of others, the freedom from computer virus or other harmful effects and the merchantability or fitness for a particular purpose of any such product or service. The privacy policies of third parties not affiliated with CCMA may differ from the CCMA Privacy Policy and third parties may provide less security on their sites than does CCMA.

The information and materials available on this Site produced by CCMA or any Information Provider are intended for general use or education and are derived or produced from sources believed by CCMA to be reliable and accurate when produced. However, CCMA does not warrant the accuracy, completeness or timeliness of any such information or material or the appropriateness of the information or material for use by you. CCMA expressly disclaims liability for errors or omission in this information and material. No warranty of any kind, express, implied or statutory, including but not limited to the warranty of merchantability or fitness for a particular purpose, is given in conjunction with this information and material or a product or service available on the Site, except as CCMA may otherwise expressly agree in writing.

You acknowledge that neither CCMA nor any of its employees, agents, Information Providers or licensors warrant that the products or services provided or made available through the Site or that the Site itself will be uninterrupted, error free or free from computer virus.

Unless otherwise stated, opinions expressed or recommendations made on this Site are the opinions or recommendations of the authors and are not, necessarily, the opinions or recommendations of CCMA.

System response times may vary due to system performance and other factors.

EXCEPT AS CCMA MAY OTHERWISE AGREE IN WRITING OR AS OTHERWISE REQUIRED BY LAW, YOU AGREE THAT CCMA IS NOT LIABLE FOR ANY LOSS, COST, LIABILITY OR EXPENSE ARISING BY REASON OF OR IN ANY WAY RELATED TO YOUR ACCESS TO OR USE OF ANY PRODUCT OR SERVICE AVAILABLE THROUGH THE SITE, THE INFORMATION AND MATERIALS AVAILABLE ON THE SITE, THE SITE ITSELF, THE USE OF INTERNET BROWSER SOFTWARE OR ANY COMPUTER

VIRUS THAT MAY AFFECT YOUR COMPUTER SYSTEM BY REASON OF YOUR ACCESS TO THIS SITE (PROVIDED THAT CCMA SHALL HAVE TAKEN REASONABLE PRECAUTION TO PROTECT AGAINST SUCH A VIRUS). IN NO EVENT WILL CCMA BE LIABLE OR RESPONSIBLE FOR SPECIAL, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY OR SIMILAR DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, EVEN IF CCMA HAS BEEN ADVISED OF THE POSSIBILITY THEREOF.

CCMA reserves the right to change these Terms and Conditions for Use in whole or in part at any time without prior notice except as otherwise required by law or as otherwise agreed in writing. The current version of these Terms and Conditions for Use are available to you on the Site. If you find these Terms and Conditions for Use, or any of them, unacceptable to you at any time, you shall discontinue your use of the Site. By continuing to access or use of the Site after the date of any change in the Terms and Condition of Use you agree to the then current Terms and Conditions For Use, and not any older cached version.

CCMA reserves the right to modify or terminate the Site, any product or service available through the Site, any Link provided by or to the Site and your access to the Site, in whole or in part, at any time.

These Terms and Conditions For Use are governed by applicable federal law and the law of the state of Illinois unless otherwise indicated. You agree that if you access the Site in a jurisdiction where CCMA does not have an office CCMA is not subject to the jurisdiction of the courts in that place by reason of that access and CCMA does not consent to such jurisdiction.