This Agreement provides the general terms and conditions (the "General Terms and Conditions") applicable to all services (the "Services") offered by First Financial Associates.com, Inc., a Georgia corporation ("First Financial Associates"), to you through its Web sites located at www.1stfinancialassociates.com, (the "Site"). THESE GENERAL TERMS AND CONDITIONS ARE SUPPLEMENTED BY AND SHOULD BE READ IN CONJUNCTION WITH THE SPECIFIC TERMS AND CONDITIONS APPLICABLE TO SUCH SERVICES. By using any Service, you agree to these General Terms and Conditions as well as the specific terms and conditions applicable to the Service(s) you are using. The term "Agreement" means these General Terms and Conditions plus all other applicable terms and conditions. First Financial Associates reserves the right in its sole discretion and without notice to amend or modify any of its terms and conditions under which any Service is being offered to you.

1. USE LIMITATION
Materials from the Site are intended for the exclusive use by you at the location(s) specified in your application. You agree that such access will not be shared with others. Unauthorized access to any Service, or to the telecommunications or computer facilities used to deliver such Service, is a material breach of this Agreement and may be a violation of law.

2. CONTENT
We also reserve the right to restrict your access to parts or all of the Site or any Service without notice or liability. You understand that all information you provide will be maintained by First Financial Associates as confidential according to the terms of our standard Privacy Policy, as published on the Site. Solely to enable us to use the information you supply us with so that we are not violating any rights you might have in that information, you agree to grant us a non-exclusive, worldwide, irrevocable, sublicenseable (through multiple tiers) right to exercise the copyright and publicity rights (but no other rights) you have in information provided by you in connection with the use of any Service and during the term of your use of any Service. You understand that you are solely responsible for providing accurate and complete information and that, failure to do so, may result in actions taken against you for misrepresentation or fraud by First Financial Associates or other users.

The Site contains links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by First Financial Associates of the contents on such third party web sites. First Financial Associates is not responsible for the contents of the third party site and does not make any representations regarding the content or accuracy of materials on such third party web sites. If you decide to access linked third party web sites, you do so at your own risk.

3. DISCLAIMER OF WARRANTIES
First Financial Associates PROVIDES THE SITE AND SERVICES "AS IS" AND DISCLAIMS ALL WARRANTIES OF ANY KIND. First Financial Associates, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTY OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE AND NON-INFRINGEMENT. First Financial Associates MAKES NO WARRANTIES ABOUT ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE SITE, CONTENT MATERIALS ON THE SITE, SERVICES, LISTINGS, LINKS, AND TEXT. NO ADVICE, INSTRUCTIONS OR INFORMATION RECEIVED BY A USER, WHETHER ORALLY OR IN WRITING, FROM First Financial Associates SHALL CREATE ANY IMPLIED WARRANTY. USERS ARE INSTRUCTED TO USE THE SITE AND ALL SERVICES AT THEIR OWN RISK. First Financial Associates does not and cannot control the flow of data to or from its Site and other portions of the Internet. At times, your connection to the Internet may be impaired or disrupted. Although First Financial Associates will use commercially reasonable efforts to avoid such an event, First Financial Associates cannot guarantee that it will not occur and disclaims any and all liability resulting from or related to such an event.

4. LIMITATION OF LIABILITY
IN NO EVENT SHALL First Financial Associates OR First Financial Associates'S SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH ANY SERVICE, THE SITE OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE).

5. NOTICES
Notices under this Agreement shall be provided to Users via email to the email address provided by User on its registration form. Notices to First Financial Associates should be delivered via email to information@1stfinancialassociates.com.