TERMS

Shapiro & Swertfeger, LLP
INTERNET SERVICE AGREEMENT

    NO OFFICIAL COMMUNICATIONS OF DEBT ARE ACCEPTED VIA EMAIL.

 

NOTICE:  Our firm, Shapiro & Swertfeger, LLP, covered under this Agreement, will not agree to any change in status of any loan, any debt, and/or any debt's official communication whatsoever via EMAIL.  If you are a Debtor or a Named Mortgagor, be on NOTICE, that NO COMMUNICATION concerning any change in your debt, debt's collection status, reinstatement, payoff, will be accepted by our firm  via electronic mail (email).  ANY and ALL communications, must be in WRITING -or- by TELEPHONE WITH WRITTEN CONFIRMATION.  NO ACTION concerning your debt will be conducted via email.  And, you should anticipate NO RESPONSIVE COMMUNICATIONS from our law firm via email concerning your inquiries.  See further disclosures at Paragraph 2 and the remainder of this Internet Service Agreement.

1. Definitions.
This Service Agreement covers not only Shapiro & Swertfeger, LLP but all legal entities now or hereafter listed at Paragraph 12 of this Internet Service Agreement; that is:  Shapiro & Swertfeger, LLP at 2872 Woodcock Blvd., Suite 100, The Duke Building, Atlanta, Georgia 30341; contractually related firms, and any and all other firms listed at paragraph 12 of this agreement.   "SHAPIRO & SWERTFEGER, LLP" is the interactive on-line service operated by SHAPIRO & SWERTFEGER, LLP. on the World Wide Web of the Internet, consisting of information services and content provided by Shapiro & Swertfeger, LLP and other third parties. SHAPIRO & SWERTFEGER, LLP provides the Foreclosures Page(s) as an accomodation.  The Foreclosures, the content and accuracy of the Foreclosures Page(s) are the sole property or Shapiro & Swertfeger, LLP and our firm is solely responsible for the content and accuracy of the Foreclosures Page.  "Subscriber" means each person who establishes or accesses a connection ("Account") for access to and use of SHAPIRO & SWERTFEGER, LLP.

2. General.

(A) This Agreement, which incorporates by reference other provisions applicable to use of SHAPIRO & SWERTFEGER, LLP including, but not limited to, supplemental terms and conditions set forth in paragraph 13 hereof ("Supplemental Terms") governing the use of certain specific material contained in SHAPIRO & SWERTFEGER, LLP sets forth the terms and conditions that apply to use of SHAPIRO & SWERTFEGER, LLP by Subscriber. By using SHAPIRO & SWERTFEGER, LLP (other than to read this Agreement for the first time), any click on any hyperlink, other than a hyperlink to this page, shall constitute the Subscriber's electronic signature agreeing to comply with all terms of this agreement. Subscriber agrees to comply with all of the terms and conditions hereof. The right to use SHAPIRO & SWERTFEGER, LLP is personal to Subscriber and is not transferable to any other person or entity. Subscriber is responsible for all use of Subscriber's Account (under any screen name or password) and for ensuring that all use of Subscriber's Account complies fully with the provisions of this Agreement. Subscriber shall be responsible for protecting the confidentiality of Subscriber's password(s), if any.

(B) SHAPIRO & SWERTFEGER,LLP shall have the right at any time to change or discontinue any aspect or feature of  SHAPIRO & SWERTFEGER, LLP including, but not limited to, content, hours of availability, and equipment needed for access or use.

(C) The use of SHAPIRO & SWERTFEGER, LLP shall not create any attorney-client relationship between Subscriber and SHAPIRO & SWERFEGER, LLP, or any other attorney at law, or any law firm or affiliated law firm, who may list or provide information on SHAPIRO & SWERTFEGER, LLP. Subscriber agrees and acknowledges that none of the information posted on SHAPIRO & SWERTFEGER, LLP is legal advice or counsel and agrees never to claim that any attorney client relationship is/has/or will be created by Subscriber's use of SHAPIRO & SWERTFEGER, LLP or any of the E-mail links posted on SHAPIRO & SWERTFEGER, LLP. The information, forms, and articles on SHAPIRO & SWERTFEGER, LLP are not intended to provide specific legal, investment, or tax advice, but are intended only as a general information source intended generally to familiarize the Subscriber with the subject matter. Matters of specific legal or tax nature should be discussed with a competent attorney or tax professional specializing in that particular field or practice. The materials on this World Wide Web site are provided for informational purposes only, do not constitute legal advice, do not necessarily reflect the opinions of SHAPIRO & SWERTFEGER, LLP or any of its attorneys or clients, and are not guaranteed to be correct, complete, or up-to-date. This World Wide Web site is not intended to create an attorney-client relationship between you and SHAPIRO & SWERTFEGER, LLP and you should not act or rely on any information in this World Wide Web site without seeking the advice of an attorney. SHAPIRO & SWERTFEGER, LLP and the other attorneys listed on this site would be pleased to communicate with you by e-mail. However, if you communicate with us through this World Wide Web site or otherwise in connection with a matter for which we do not already represent you under a written agreement, your communication will not be treated as privileged or confidential and you should not consider it to be an attorney client communication. If you communicate with any person by e-mail in connection with any matter, you are hereby warned that internet e-mail is not secure and you should avoid sending sensitive or confidential internet e-mail messages unless they are adequately encrypted. Further, if you are the named debtor under any public notice of foreclosure re-listed on this website, this is notice to you that any communication with SHAPIRO & SWERTFEGER, LLP or any affiliated law firm or entity, shall constitute an attempt by it/them to collect the debt named in the public notice stated in the appropriate legal organ concerning pending or past foreclosures, as such any communication by you to this/these firms SHALL BE CONSIDERED AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION RECEIVED FROM YOU MAY BE USED AGAINST YOU FOR THAT PURPOSE. See, 15 USCA 1692, et. seq. If you are the debtor, you are advised and instructed to consult an attorney or retain an attorney, concerning any legal rights you may have, prior to contacting SHAPIRO & SWERTFEGER, LLP or any of its affiliated entities.  No Official Email will be accepted from a debtor and no official communication will be provided to a debtor via email.

In some jurisdictions this World Wide Web site may be considered advertising. The hiring of a lawyer is an important decision that should not be based solely upon written information about our qualifications and experience. SHAPIRO & SWERTFEGER, LLP and the lawyers who have pages on this site have endeavored to comply with all known legal and ethical requirements in compiling this World Wide Web site. SHAPIRO & SWERTFEGER, LLP does not desire to represent clients based upon their review of any portions of this World Wide Web site that do not comply with legal or ethical requirements. The pages on this World Wide Web site and some of the articles on this World Wide Web site contain links to other resources on the Internet. Those links are provided as citations and aids to help you identify and locate other Internet resources that may be of interest, and are not intended to state or imply that SHAPIRO & SWERTFEGER, LLP sponsors, is affiliated or associated with, or is legally authorized to use any trade name, registered trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the links. To the extent the State Bar Rules in your jurisdiction require us to designate a principal office and/or a single attorney responsible for this World Wide Web site, Shapiro & Swertfeger, LLP designates its office @ 2872 Woodcock Blvd., Suite 100, The Duke Building, Atlanta, Georgia 30341, DeKalb County, Georgia, USA as its/their respective principal office. SHAPIRO & SWERTFEGER, LLP is the entity responsible for this World Wide Web site.

(D) Allowing the authors and/or their companies to post articles herein and the provision of return links to them, does not constitute an endorsement or recommendation of their products or services. The return links are provided only as an inducement to the author to post what we feel to be useful information on our website.

3. Changed Terms.
SHAPIRO & SWERTFEGER, LLP shall have the right at any time to change or modify the terms and conditions applicable to Subscriber's use of SHAPIRO & SWERTFEGER, LLP or any part thereof, or to impose new conditions, including, but not limited to, adding fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to, posting on SHAPIRO & SWERTFEGER, LLP or by electronic or conventional mail, or by any other means by which Subscriber obtains notice thereof. Any use of SHAPIRO & SWERTFEGER, LLP by Subscriber after such notice shall be deemed to constitute acceptance by Subscriber of such changes, modifications or additions.

4. Equipment.
Subscriber shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of SHAPIRO & SWERTFEGER, LLP and all charges related thereto.

5. Subscriber Conduct.

(A) Subscriber shall use SHAPIRO & SWERTFEGER, LLP for lawful purposes only. Subscriber shall not post or transmit through SHAPIRO & SWERTFEGER, LLP any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without Shapiro & Swertfeger, LLP's express prior approval, contains advertising or any solicitation with respect to products or services. Any conduct by a Subscriber that in Shapiro & Swertfeger, LLP's discretion restricts or inhibits any other Subscriber from using or enjoying SHAPIRO & SWERTFEGER, LLP will not be permitted.  Subscriber shall not use SHAPIRO & SWERTFEGER, LLP to advertise or perform any commercial solicitation, including, but not limited to, the solicitation of users to become subscribers of other on-line information services competitive with SHAPIRO & SWERTFEGER, LLP.

(B) SHAPIRO & SWERTFEGER, LLP contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of SHAPIRO & SWERTFEGER, LLP are copyrighted as a collective work under the United States copyright laws. SHAPIRO & SWERTFEGER, LLP owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. Subscriber may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. Subscriber may download copyrighted material for Subscriber's personal use only. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express permission of Shapiro & Swertfeger, LLP and the copyright owner. In the event of any permitted copying, redistribution or publication of copyrighted material, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. Subscriber acknowledges that it does not acquire any ownership rights by downloading copyrighted material.

(C) Subscriber shall not upload, post or otherwise make available on SHAPIRO & SWERTFEGER, LLP any material protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by copyright rests with Subscriber. Subscriber shall be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting material to any public area of SHAPIRO & SWERTFEGER, LLP, Subscriber automatically grants, or warrants that the owner of such material has expressly granted Shapiro & Swertfeger, LLP, the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate and distribute such material (in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such material. Subscriber also permits any other Subscriber to access, view, store or reproduce the material for that Subscriber's personal use. Subscriber hereby grants Shapiro & Swertfeger, LLP, the right to edit, copy, publish and distribute any material made available on SHAPIRO & SWERTFEGER, LLP by Subscriber.

(D) The foregoing provisions of Section 5 are for the benefit of Shapiro & Swertfeger, LLP, its subsidiaries, affiliates and its third party content providers and licensors and each shall have the right to assert and enforce such provisions directly or on its own behalf.

6. Disclaimer of Warranty; Limitation of Liability.

(A) SUBSCRIBER EXPRESSLY AGREES THAT USE OF SHAPIRO & SWERTFEGER, LLP, IS AT SUBSCRIBER'S SOLE RISK. NEITHER SHAPIRO & SWERTFEGER, LLP, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT SHAPIRO & SWERTFEGER, LLP, WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF SHAPIRO & SWERTFEGER, LLP, OR AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH SHAPIRO & SWERTFEGER, LLP.

(B) SHAPIRO & SWERTFEGER, LLP, IS PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES WHICH ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

(C) THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. SUBSCRIBER SPECIFICALLY ACKNOWLEDGES THAT SHAPIRO & SWERTFEGER, LLP, IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER SUBSCRIBERS OR THIRD-PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH SUBSCRIBER.

(D) IN NO EVENT WILL SHAPIRO & SWERTFEGER, LLP, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING SHAPIRO & SWERTFEGER, LLP, OR THE SHAPIRO & SWERTFEGER, LLP, SOFTWARE, BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE SHAPIRO & SWERTFEGER, LLP SUBSCRIBER HEREBY ACKNOWLEDGES THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON SHAPIRO & SWERTFEGER, LLP.

(E) IN ADDITION TO THE TERMS SET FORTH ABOVE NEITHER, SHAPIRO & SWERTFEGER, LLP, NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS SHALL BE LIABLE REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UN-TIMELINESS OR UN-AUTHENTICITY OF, THE INFORMATION CONTAINED WITHIN SHAPIRO & SWERTFEGER, LLP, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO THE USER, OR FOR ANY CLAIMS OR LOSSES ARISING THERE FROM OR OCCASIONED THEREBY. NONE OF THE FOREGOING PARTIES SHALL BE LIABLE FOR ANY THIRD-PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES. THE SUBSCRIBER AGREES THAT NONE OF THE INFORMATION ON THE SITE SHALL BE TREATED BY THE SUBSCRIBER AS EITHER LEGAL ADVICE OR INVESTMENT ADVICE. PRIOR TO THE EXECUTION OF ANY LEGAL ACTION OR STOCK TRADE, SUBSCRIBERS SHOULD CONSULT WITH YOUR ATTORNEY, BROKER, OR OTHER FINANCIAL REPRESENTATIVE TO VERIFY PRICING OR OTHER INFORMATION.  SHAPIRO & SWERTFEGER, LLP, ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS SHALL HAVE NO LIABILITY FOR INVESTMENT DECISIONS BASED ON THE INFORMATION PROVIDED.  NEITHER, SHAPIRO & SWERTFEGER, LLP, NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS WARRANT OR GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY OR COMPLETENESS OF THIS INFORMATION. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OBTAINED FROM THE USE OF THE INFORMATION.

7. Monitoring.
Shapiro & Swertfeger, LLP shall have the right, but not the obligation, to monitor the content of SHAPIRO & SWERTFEGER, LLP, including chat rooms and forums, to determine compliance with this Agreement and any operating rules established by Shapiro & Swertfeger, LLP and to satisfy any law, regulation or authorized government request.  Shapiro & Swertfeger, LLP shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on SHAPIRO & SWERTFEGER, LLP. Without limiting the foregoing, Shapiro & Swertfeger, LLP shall have the right to remove any material that Shapiro & Swertfeger, LLP, in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable.

8. Indemnification.
Subscriber agrees to defend, indemnify and hold harmless Shapiro & Swertfeger, LLP, its/their affiliates and its/their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of the use of SHAPIRO & SWERTFEGER, LLP by Subscriber or Subscriber's Account.

9. Termination.
Either Shapiro & Swertfeger, LLP or Subscriber may terminate this Agreement at any time. Without limiting the foregoing, Shapiro & Swertfeger, LLP shall have the right to immediately terminate Subscriber's Account in the event of any conduct by Subscriber which Shapiro & Swertfeger, LLP, in its sole discretion, considers to be unacceptable, or in the event of any breach by Subscriber of this Agreement. The provisions of Sections 5(B), 5(C), 5(D), 6, 8, 10 and this Section 9 shall survive termination of this Agreement.

10. Trademarks.
Shapiro & Swertfeger, LLP and SHAPIRO & SWERTFEGER, LLP are trademarks of the law firm of Shapiro & Swertfeger, LLP. All rights reserved. All other trademarks appearing on SHAPIRO & SWERTFEGER, LLP are the property of their respective owners.

11. Third Party Content.
Shapiro & Swertfeger, LLP is a distributor (and not a publisher) of content supplied by third parties and Subscribers. Accordingly, Shapiro & Swertfeger, LLP has no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, Subscribers or any other user of SHAPIRO & SWERTFEGER, LLP, are those of the respective author(s) or distributor(s) and not of SHAPIRO & SWERTFEGER, LLP.  Neither Shapiro & Swertfeger, LLP nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. (Refer to Section 6 above for the complete provisions governing limitation of liabilities and disclaimers of warranty.)

In many instances, the content available through SHAPIRO & SWERTFEGER, LLP represents the opinions and judgments of the respective information provider, Subscriber, or other user not under contract with Shapiro & Swertfeger, LLP, neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on SHAPIRO & SWERTFEGER, LLP by anyone other than authorized Shapiro & Swertfeger, LLP employee spokespersons while acting in their official capacities. Under no circumstances will Shapiro & Swertfeger, LLP be liable for any loss or damage caused by a Subscriber's reliance on information obtained through SHAPIRO & SWERTFEGER, LLP.  It is the responsibility of Subscriber to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through SHAPIRO & SWERTFEGER, LLP. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.

12. Miscellaneous.
This Agreement and any operating rules for SHAPIRO & SWERTFEGER, LLP established by Shapiro & Swertfeger, LLP, constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. This Agreement shall be construed in accordance with the laws of the State of Georgia, without regard to its conflict of laws rules. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. By using SHAPIRO & SWERTFEGER, LLP other than for the sole purpose of reading this Agreement, Subscriber agrees and contracts that if any legal proceedings are brought by Subscriber or Shapiro & Swertfeger, LLP, they shall be brought either in the Superior Court of  DeKalb County, Georgia USA or in the United States District Court for the Northern District of Georgia, Atlanta Division, Atlanta, Georgia USA (said courts hereinafter called the "Georgia Courts") and specifically consents to personal jurisdiction and venue in said Georgia Courts for all disputes arising with respect to any matter relating to SHAPIRO & SWERTFEGER, LLP. With regard to the statement of affiliated entities, such entities are affiliated only by the fact that one or more attorney in Shapiro & Swertfeger, LLP may be concurrently "of counsel," an associate, a member, a stockholder or a partner, in one or more of the following Georgia law firms: Shapiro & Swertfeger, LLP. Any notice required by law to be given and which is given by Shapiro & Swertfeger, LLP is hereby deemed to be additionally given by these above-stated entities, which notice shall constitute an agreement additionally for indemnity, jurisdiction and venue. In the event that Subscriber brings any action against Shapiro & Swertfeger, LLP or any other person or entity with respect to the contents or operation of SHAPIRO & SWERTFEGER, LLP in any court or tribunal other than the Georgia Courts, then said Subscriber bringing or participating in said action shall indemnify Shapiro & Swertfeger, LLP for all costs, attorney's fees, and expenses of defending said actions and hereby agrees to permit the transfer of any such action to one of the Georgia Courts.

The section headings used herein are for convenience only and shall not be given any legal import.

13. Supplemental Terms:
As set forth in the SHAPIRO & SWERTFEGER, LLP Service Agreement which governs the use of SHAPIRO & SWERTFEGER, LLP, please be informed that neither, Shapiro & Swertfeger, LLP, nor its information providers or content providers shall be liable regardless of the cause or duration, for any errors, inaccuracies, omissions, or other defects in, or UN-TIMELINESS or UN-AUTHENTICITY of, the information contained within SHAPIRO & SWERTFEGER, LLP, or for any delay or interruption in the transmission thereof to the user, or for any claims or losses arising there from or occasioned thereby. None of the foregoing parties shall be liable for any third- party claims or losses of any nature, including, but not limited to, lost profits, punitive or consequential damages.

None of the information provided on SHAPIRO & SWERTFEGER, LLP shall be considered to be used as investment or legal advice. Prior to the entry into any contract, taking any legal decision, or execution of a stock trade, you are warned not to rely upon any information found on SHAPIRO & SWERTFEGER, LLP and to consult with your attorney, accountant, financial advisor, broker or other financial representative to verify pricing or other information. Shapiro & Swertfeger, LLP, its affiliates, information providers or content providers shall have no liability for investment, accounting, or legal decisions based on the information provided through or by way of SHAPIRO & SWERTFEGER, LLP.

Neither, Shapiro & Swertfeger, LLP, nor its affiliates, information providers or content providers, warrant or guarantee the timeliness, sequence, accuracy or completeness of any information provided on SHAPIRO & SWERTFEGER, LLP. Additionally, there are no warranties as to the results obtained from the use of the information.

Updated September, 2002.

© Copyright by Shapiro & Swertfeger, LLP, Atlanta, Georgia, 2001, All Rights Reserved.