PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

GreenPoint Mortgage Funding, Inc. ("GreenPoint") requires all visitors to our site(s) on the worldwide web (the "Site") to adhere to the following Terms and Conditions (the "Agreement").

COPYRIGHT NOTICES Copyright in the Site including the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Capital One Financial Corporation or one of its subsidiaries unless otherwise indicated. You may not modify, copy, distribute, license, transmit, reproduce, display, transfer, or sell any information, products or services obtained from this Site. The content provided at this Site may vary depending on your browser limitations.

TRADEMARKS GreenPoint and the GreenPoint logo are registered trademarks of GreenPoint. GreenPoint may also claim trademark and service mark rights in other marks contained in the Site. Other featured words and marks, used to identify the source of goods and services, are the trademarks of their respective owners.

WEB CONTENT, PRODUCTS AND SERVICES The information and materials contained in the Site and the terms, conditions, and descriptions that appear therein are subject to change without notice. Not all products or services described on this Site are available in all geographic areas. Your eligibility for particular products and services is subject to final GreenPoint determination. GreenPoint or its suppliers may discontinue or make changes to the information, products or services described herein at any time. Dated information is published as of its date only, and GreenPoint does not undertake any obligation or responsibility to update or change any such information. GreenPoint reserves the right to terminate all Web offerings without prior notice. Investment Products such as securities and insurance products

USE OF INFORMATION PROVIDED BY YOU When you use this Site, the information you enter and the transactions you conduct may be recorded. By using this Site, you consent to such recording. GreenPoint may collect, process and use and allow others to use the information that you provide to us and GreenPoint may also share information regarding the manner in which you use this Site with other persons or entities. GreenPoint reserves the right to store information on your computer in the form of a "cookie" or similar file for purpose of modifying this Site to reflect users' preferences. The foregoing rights are subject to the provisions contained in our Privacy Policy.

CACHING, FRAMING, HYPERLINKS PROHIBITED GreenPoint prohibits caching, unauthorized hypertext links to this Site and the framing of any content available through this Site. GreenPoint reserves the right to disable any unauthorized links or frames and specifically disclaims responsibility for other Internet sites linked to this Site.

LINKS TO OTHER SITES Links to non-GreenPoint websites are provided solely as pointers to information on topics that may be useful to users of the GreenPoint Site, and GreenPoint has no control over the content on such non-GreenPoint websites. The content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by GreenPoint. If you choose to link to a website not controlled by GreenPoint, GreenPoint makes no warranties, either express or implied concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does GreenPoint represent or warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is free of viruses or other contamination. GreenPoint does not guarantee the authenticity of the documents on the Internet. Links to non-GreenPoint sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or service at such sites, or any representation regarding the content at such sites. Other sites may collect data and personal information and operate according to their own privacy practices. You should read the other site's privacy policy before disclosing any information.

NO WARRANTY THE INFORMATION AND MATERIAL CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE" TO THE USER. GREENPOINT DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS (INCLUDING TYPOGRAPHICAL ERRORS) OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY IN NO EVENT WILL GREENPOINT BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF GREENPOINT, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

INDEMNIFICATION You agree to indemnify, defend and hold harmless GreenPoint and its suppliers form any liability, loss, claim and expense (including reasonable attorney's fees) related to your violation of this Agreement.

MODIFICATIONS Neither this Agreement nor any enrollment form that may be posted to this Site may in any way be altered by you without GreenPoint's express written agreement. Any attempt by you to alter this Agreement or any enrollment form posted to this Site without GreenPoint's express written consent shall be void and shall have no legal effect. This Agreement is subject to change at any time. Notice of changes shall be made by adding any changes to this document. Unless otherwise stated, changes shall be effective upon posting. You agree to review this Agreement from time to time for changes and updates.

SEVERANCE OF PROVISIONS In the event that any provision of this Agreement is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provisions.

APPLICABLE LAW Regardless of where you access this Site, live or work, this Agreement, any information on this Site and, except as otherwise expressly provided for in an account or loan agreement with us and except as otherwise prohibited by applicable law, your relationship with us, will be governed: