Terms & Conditions
The following Terms and Conditions (Terms of Use) govern your use of this Web Site. By accessing the Web Site, you acknowledge and accept these Terms of Use. If you do not agree with these Terms of Use, you may not access or otherwise use the Web Site. Broker reserves, at its sole discretion, the right to modify, alter or update the Terms of Use at any time without notification. Such modifications shall be effective and binding immediately upon posting. It is recommended that you review the Terms of Use each time you visit the Web Site so that you are familiar with any modifications. Please be advised that the Web Site will offer you the opportunity to visit other Web Sites that may or may not be affiliated with Broker and will contain different Terms and Conditions. Access to and use of the information contained within these third-party Web Sites is regulated by the respective Terms of Use and Privacy statements of each of these particular sites, not the site of Broker. By Agreeing to these Terms of Use, you, the Registrant, understand that you have no financial obligation to Broker and no representation is imposed between you and Broker. Should you wish to enter into an agreement with Broker, now or in the future, imposing a financial obligation or establishing a representation in the sale, purchase or lease of an individual property, you may do so by separate agreement from the Terms of Use established here. USE OF WEBSITE Registered users of the Web Site acknowledge that they are entering into a lawful consumer-broker relationship with Broker. Registrant also acknowledges that he/she is at least eighteen (18) years of age. PRIVACY POLICY Broker is committed to protecting your privacy. Please review our Privacy Policy, which governs the protection and use of any personal information you may provide to us. Our full Privacy Policy may be viewed here. COPYRIGHT. OWNERSHIP OF SITE AND CONTENT Site Design, Page Layouts, Software, Building Information Content and Building Photos are owned by Trump International Realty Inc. and licensed to Broker for its use on the Web Site. All other site content, including, but not limited to the Exclusive property listings provided by cooperating members of the Real Estate Board of New York, text, data, photographic images, floor plans, moving images and illustrations are owned by the individual brokerage firms, our vendors, suppliers and any third-party content providers. Your use of the Web Site does not grant to you ownership of any content contained on or accessed through the Web Site. All Web Site Content is protected by United States and international copyright laws. Software used on the Web Site is the property of Trump International Realty Inc. and is protected by United States and international copyright laws. COPYRIGHT POLICY Broker and Trump International Realty Inc. respect the intellectual property rights of others and comply with the provisions of the Digital Millennium Copyright Act (DMCA) applicable to Internet service providers. Pursuant to these regulations, if you believe that your work has been copied and appears on the Web Site in a way that constitutes copyright infringement, please notify in writing the Trump International Realty agent responsible for reviewing claims of infringement: Copyright Agent Trump International Realty 106 Central Park South New York, NY 10019 Claims of copyright infringement must include the following written information: A physical or electronic signature of the person authorized on behalf of the owner of the claimed copyright interest; Identification of the copyrighted work that you claim has been infringed upon; Identification of where the work is located on the Web Site; Your address, a phone number and an email address; A statement from you that you have a good-faith belief that the use of the copyrighted material has not authorized by the copyright owner, its agent or the law; A statement from you, under penalty of perjury, that the information supplied in your notification is accurate and that you are the copyright owner of the work or are authorized to act on behalf of the copyright owner of the work. TRADEMARKS The name Trump International Realty (Broker) and its related logos are either trademarks, service marks are registered trademarks of Trump International Realty. They may not be copied, imitated or used in conjunction with any product or service which is not offered by Broker, is likely to cause customer confusion or in any manner that disparages or discredits Broker. All other company logos, trademarks, service marks, product or company names not owned by Broker that appear on the Web Site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Broker. Reference on the Web Site to any other products, companies or services, does not constitute or imply an endorsement, sponsorship or recommendation of any kind by Broker. SCOPE OF USE The Web Site and its Content, including the Listings, the Building Information and the accompanying media (photographs, images, illustrations, audio and video clips), is solely intended for the personal, non-commercial use of individual users who have a bona fide interest in the purchase, sale or lease of real estate of the type being offered herein. You may not sell, copy, distribute, license, transfer, publish, display, link to or display on another web site, transmit, download, store, post, enter into a database or in any way exploit the Content, including the Listings or the Building Information, in whole or in part except in connection with your potential purchase, sale or lease of an individual property. You may not frame the Content or otherwise incorporate the Content, in whole or in part, into another web site. No person, including without limitation any real estate broker or real estate professional, may market or make commercial use of Broker's Listings or Content in any way, including without limitation, advertising or copying Broker's Listings on any web site or in any print medium. You may not use this Web Site for any unlawful purpose or one forbidden by these Terms and Conditions, including without limitation any discriminatory defamatory or obscene use. You may not: (a) take any action that imposes an unreasonable or disproportionately large load on the Web Site's infrastructure, including but not limited to "spam" or other such unsolicited mass e-mailing techniques; (b) disclose or use the assigned confirmation numbers and/or passwords for any unauthorized purpose; (c) attempt to decipher or reverse engineer the software or HTML code comprising or in any way making up a part of the Site; (d) use any robot, spider, intelligent agent, other automatic device or manual process to search, monitor or copy Web pages, or the Content, except, that generally available third party browsers such as Google, Microsoft Internet Explorer and Netscape Navigator may be used without permission. No one may use any Content or Listing in violation of the rules of the Real Estate Board of New York (REBNY), the New York State Department of State, the New York State Department of Banking, or any other federal, state, or local law or regulation. Any such improper action is expressly prohibited by law, and may result in civil and/or criminal penalties. Violators will be prosecuted to the full extent of the law. NO WARRANTIES All Content on the Web Site is provided on an “as is” basis without warranty of any kind either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, non-infringement or availability. All information is subject to errors, omissions, prior sale or rental, change or withdrawal without notice. User access to the Web Site is solely provided for convenience and information only. Broker does not warrant or make any representations regarding the results that may be obtained by using the Web Site or to the reliability, accuracy or availability of any information, content or service acquired by use of the Web Site. Listings may be withdrawn from the market at any time and are subject to errors, omissions or prior sale or rental, change or withdrawal without notice. Web Site Content may be updated, modified or withdrawn at any time. Use of the Web Site and its Content is at your own risk. Neither Broker, Trump International Realty Inc., Content Providers, or any company or person involved in the creation, production or distribution of the Web Site warrant that the functionality of the Web Site will be uninterrupted or error-free, that defects will be corrected, or that the server that makes the Content available or the emails that are transmitted will be free of viruses or other harmful components. You, as the User, agree to assume all risk and that you shall assume the entire cost of any necessary servicing or repair of your system. LIMITATION OF LIABILITY In no event, shall Broker, its officers, directors, employees, agents, affiliates, vendors, content or service providers or any other person or entity involved with the development, production or distribution of the Web Site be liable for any direct, indirect, incidental, special, consequential, punitive damages or any damages whatsoever arising out of the use or performance of the Web Site or its Content, even if Broker has been advised of the possibility of such damages. Broker, its officers, directors, employees, agents, vendors, affiliates, content or service providers or any other representatives shall not be held liable for any direct, indirect, incidental, consequential, special or punitive damages arising out of or in any way connected with the use of the Web Site or the Content contained herein, even if Broker has been advised of the possibility of such damages. INDEMNIFICATION You agree to indemnify, defend and hold harmless Broker, its officers, directors, employees, agents, affiliates, vendors, content and service providers from and against all loses, expenses, damages and costs, including, without limitation, attorney’s fees, relating to your use of this site or any third party links incorporated into the site. THIRD PARTY CONTENT Broker may host third-party content on Web Site as a convenience to its users. Broker does not assume any responsibility for these sites and makes no claim or representation regarding the quality, accuracy, ownership or reliability of its content. Users should use this third-party content at their own risk and are encouraged to read each site’s respective Terms and Conditions and Privacy Policies. The inclusion of any third-party content does not imply a recommendation or endorsement by Broker of these sites. LINKED INTERNET SITES The Web Site may contain links to other sites (“Linked Sites”) that are provided solely for your convenience and information. Accessing these Linked Sites is at your own risk. Content contained within these Linked Sites is not under the control of Broker and Broker does not endorse or confirm the accuracy of the content whether or not Broker is affiliated with the Linked Site in any way. Use of a Linked Site is regulated by the Terms and Conditions and Privacy Statements of the respective sites. MODIFICATION TO TERMS AND CONDITIONS OF USE Broker reserves the right, at its sole discretion, to modify, alter or otherwise update the Terms and Conditions of the Web Site at any time without notice. By using the Web Site after Broker has posted notice of such modifications, alterations or updates, you agree to be bound by the revised Terms and Conditions. In addition, Broker reserves the right to make improvements or changes to the Content of the Web Site at any time. Broker recommends that you read the Terms and Conditions for future modifications. TERMINATION OF USE Broker reserves the right, without notice or liability, to restrict, suspend or terminate your account and prevent your future access to the Web Site. GOVERNING LAW The Terms and Conditions posted on the Web Site shall be governed by, construed and enforced by the laws of the State of New York. You hereby consent to the jurisdiction of the state and federal courts located in New York. If any provision of the Terms and Conditions shall be deemed unlawful, void or for any reason be unenforceable, it shall not affect in any way the validity and enforceability of the remaining Terms and Conditions. MISCELLANEOUS Should any of the Terms and Conditions governing the use of the Web Site be found to be unenforceable, this will not affect any of the other terms which shall remain in full force and effect. NEW YORK CUSTOMERS: NEW YORK STATE DISCLOSURE FORM FOR BUYERS AND SELLERS THIS IS NOT A CONTRACT New York state law requires real estate licensees who are acting as agents of buyers or sellers of property to advise the potential buyers or sellers with whom they work of the nature of their agency relationship and the rights and obligations it creates. This disclosure will help you to make informed choices about your relationship with the real estate broker and its sales associates. Throughout the transaction you may receive more than one disclosure form. The law requires each agent assisting in the transaction to present you with this disclosure form. A real estate agent is a person qualified to advise about real estate. If you need legal, tax or other advice, consult with a professional in that field. DISCLOSURE REGARDING REAL ESTATE AGENCY RELATIONSHIPS SELLER'S AGENT A seller's agent is an agent who is engaged by a seller to represent the seller's interests. The seller's agent does this by securing a buyer for the seller's home at a price and on terms acceptable to the seller. A seller's agent has, without limitation, the following fiduciary duties to the seller: reasonable care, undivided loyalty, confidentiality, full disclosure, obedience and duty to account. A seller's agent does not represent the interests of the buyer. The obligations of a seller's agent are also subject to any specific provisions set forth in an agreement between the agent and the seller. In dealings with the buyer, a seller's agent should (a) exercise reasonable skill and care in performance of the agent's duties; (b) deal honestly, fairly and in good faith; and (c) disclose all facts known to the agent materially affecting the value or desirability of property, except as otherwise provided by law. BUYER'S AGENT A buyer's agent is an agent who is engaged by a buyer to represent the buyer's interests. The buyer's agent does this by negotiating the purchase of a home at a price and on terms acceptable to the buyer. A buyer's agent has, without limitation, the following fiduciary duties to the buyer: reasonable care, undivided loyalty, confidentiality, full disclosure, obedience and duty to account. A buyer's agent does not represent the interests of the seller. The obligations of a buyer's agent are also subject to any specific provisions set forth in an agreement between the agent and the buyer. In dealings with the seller, a buyer's agent should (a) exercise reasonable skill and care in performance of the agent's duties; (b) deal honestly, fairly and in good faith; and (c) disclose all facts known to the agent materially affecting the buyer's ability and/or willingness to perform a contract to acquire seller's property that are not inconsistent with the agent's fiduciary duties to the buyer. BROKER'S AGENTS As part of your negotiations with a real estate agent, you may authorize your agent to engage other agents whether you are a buyer or seller. As a general rule, those agents owe fiduciary duties to your agent and to you. You are not vicariously liable for their conduct. DUAL AGENT A real estate broker may represent both the buyer and the seller if both the buyer and seller give their informed consent in writing. In such a dual agency situation, the agent will not be able to provide the full range of fiduciary duties to the buyer and seller. The obligations of an agent are also subject to any specific provisions set forth in an agreement between the agent, and the buyer and seller. An agent acting as a dual agent must explain carefully to both the buyer and seller that the agent is acting for the other party as well. The agent should also explain the possible effects of dual representation, including that by consenting to the dual agency relationship the buyer and seller are giving up their right to undivided loyalty. A buyer or seller should carefully consider the possible consequences of a dual agency relationship before agreeing to such representation. DUAL AGENCY WITH DESIGNATED SALES ASSOCIATES If the buyer and the seller provide their informed consent in writing, the principals or the real estate broker who represents both parties as a dual agent may designate a sales associate to represent the buyer and another sales associate to represent the seller to negotiate the purchase and sale of real estate. A sales associate works under the supervision of the real estate broker. With the informed consent of the buyer and the seller in writing, the designated sales associate for the buyer will function as the buyer's agent representing the interests of the buyer and the designated sales associate for the seller will function as the seller's agent representing the interests of the seller in the negotiations between the buyer and seller. A designated sales associate cannot provide the full range of fiduciary duties to the buyer or seller. The designated sales associate must explain that like the dual agent under whose supervision they function, they cannot provide undivided loyalty. A buyer or seller should carefully consider the possible consequences of a dual agency relationship with designated sales associates before agreeing to such representation. This form was provided to me by the company named below: Licensee or Associate of Licensee: ___________________(signature) of Company: ___________________________________________________ The above-named company, which is licensed as a real estate broker, is (check one) [ ] the seller's agent [ ] the buyer's agent [ ] the broker's agent [ ] a dual agent [ ] a dual agent with designated sales associates If dual agent with designated sales associates is checked: __________________________________________________is appointed to represent the buyer; and __________________________________________________is appointed to represent the seller in this transaction. (I)(We) acknowledge receipt of a copy of this disclosure form: Signature of [ ] Buyer(s) and/or [ ] Seller(s): ____________________ ____________________ ____________________ ____________________ Date:_______________ Date:_______________ b. For landlord-tenant transactions, the following shall be the disclosure form: NEW YORK STATE DISCLOSURE FORM FOR LANDLORD AND TENANT THIS IS NOT A CONTRACT New York state law requires real estate licensees who are acting as agents of landlords and tenants of real property to advise the potential landlords and tenants with whom they work of the nature of their agency relationship and the rights and obligations it creates. This disclosure will help you to make informed choices about your relationship with the real estate broker and its sales associates. Throughout the transaction you may receive more than one disclosure form. The law requires each agent assisting in the transaction to present you with this disclosure form. A real estate agent is a person qualified to advise about real estate. If you need legal, tax or other advice, consult with a professional in that field. DISCLOSURE REGARDING REAL ESTATE AGENCY RELATIONSHIPS A landlord's agent is an agent who is engaged by a landlord to represent the landlord's interest. The landlord's agent does this by securing a tenant for the landlord's apartment or house at a rent and on terms acceptable to the landlord. A landlord's agent has, without limitation, the following fiduciary duties to the landlord: reasonable care, undivided loyalty, confidentiality, full disclosure, obedience and duty to account. A landlord's agent does not represent the interests of the tenant. The obligations of a landlord's agent are also subject to any specific provisions set forth in an agreement between the agent and the landlord. In dealings with the tenant, a landlord's agent should (a) exercise reasonable skill and care in performance of the agent's duties; (b) deal honestly, fairly and in good faith; and (c) disclose all facts known to the agent materially affecting the value or desirability of property, except as otherwise provided by law. TENANT'S AGENT A tenant's agent is an agent who is engaged by a tenant to represent the tenant's interest. The tenant's agent does this by negotiating the rental or lease of an apartment or house at a rent and on terms acceptable to the tenant. A tenant's agent has, without limitation, the following fiduciary duties to the tenant: reasonable care, undivided loyalty, confidentiality, full disclosure, obedience and duty to account. A tenant's agent does not represent the interest of the landlord. The obligations of a tenant's agent are also subject to any specific provisions set forth in an agreement between the agent and the tenant. In dealings with the landlord, a tenant's agent should (a) exercise reasonable skill and care in performance of the agent's duties; (b) deal honestly, fairly and in good faith; and (c) disclose all facts known to the agent materially affecting the value or desirability of property, except as otherwise provided by law. BROKER'S AGENTS As part of your negotiations with a real estate agent, you may authorize your agent to engage other agents whether you are a landlord or tenant. As a general rule, those agents owe fiduciary duties to your agent and to you. You are not vicariously liable for their conduct. DUAL AGENT A real estate broker may represent both the tenant and the landlord if both the tenant and landlord give their informed consent in writing. In such a dual agency situation, the agent will not be able to provide the full range of fiduciary duties to the landlord and the tenant. The obligations of an agent are also subject to any specific provisions set forth in an agreement between the agent, and the tenant and landlord. An agent acting as a dual agent must explain carefully to both the landlord and tenant that the agent is acting for the other party as well. The agent should also explain the possible effects of dual representation, including that by consenting to the dual agency relationship the landlord and tenant are giving up their right to undivided loyalty. A landlord and tenant should carefully consider the possible consequences of a dual agency relationship before agreeing to such representation. DUAL AGENT WITH DESIGNATED SALES ASSOCIATES If the tenant and the landlord provide their informed consent in writing, the principals or the real estate broker who represents both parties as a dual agent may designate a sales associate to represent the tenant and another sales associate to represent the landlord. A sales associate works under the supervision of the real estate broker. With the informed consent in writing of the tenant and the landlord, the designated sales associate for the tenant will function as the tenant's agent representing the interests of the tenant and the designated sales associate for the landlord will function as the landlord's agent representing the interests of the landlord in the negotiations between the tenant and the landlord. A designated sales associate cannot provide the full range of fiduciary duties to the landlord or tenant. The designated sales associate must explain that like the dual agent under whose supervision they function, they cannot provide undivided loyalty. A landlord or tenant should carefully consider the possible consequences of a dual agency relationship with designated sales associates before agreeing to such representation. This form was provided to me by the company named below: Licensee or Associate of Licensee: ___________________ (signature) of Company: ____________________________________________________________ The above-named company, which is licensed as a real estate broker, is (check one) [ ] the landlord's agent [ ] the tenant's agent [ ] the tenant's agent [ ] a dual agent [ ] a dual agent with designated sales associates If dual agent with designated sales associates is checked: ______________________________________________is appointed to represent the tenant; and ______________________________________________is appointed to represent the landlord in this transaction. (I) (We) acknowledge receipt of a copy of this disclosure form: Signature of [ ] Landlord(s) and/or [ ] Tenant(s): _______________________________________________________ _______________________________________________________ Date: _______________ Date: ________________ PDF: NY State Disclosure Form for Buyer and Seller PDF: NY State Disclosure Form for Landlord and Tenant NEW JERSEY CUSTOMERS: CONSUMER INFORMATION STATEMENT ON NEW JERSEY REAL ESTATE RELATIONSHIPS In New Jersey, real estate licensees are required to disclose how they intend to work with buyers and sellers in a real estate transaction. (In rental transactions, the terms "buyers" and "sellers" should be read as "tenants" and "landlords," respectively.) 1. AS A SELLER'S AGENT OR SUBAGENT, I, AS A LICENSEE, REPRESENT THE SELLER AND ALL MATERIAL INFORMATION SUPPLIED TO ME BY THE BUYER WILL BE TOLD TO THE SELLER. 2. AS A BUYER'S AGENT, I, AS A LICENSEE, REPRESENT THE BUYER AND ALL MATERIAL INFORMATION SUPPLIED TO ME BY THE SELLER WILL BE TOLD TO THE BUYER. 3. AS A DISCLOSED DUAL AGENT, I, AS A LICENSEE, REPRESENT BOTH PARTIES. HOWEVER, I MAY NOT, WITHOUT EXPRESS PERMISSION, DISCLOSE THAT THE SELLER WILL ACCEPT A PRICE LESS THAN THE LISTING PRICE OR THAT THE BUYER WILL PAY A PRICE GREATER THAN THE OFFERED PRICE. 4. AS A TRANSACTION BROKER, I, AS A LICENSEE, DO NOT REPRESENT EITHER THE BUYER OR THE SELLER. ALL INFORMATION I ACQUIRE FROM ONE PARTY MAY BE TOLD TO THE OTHER PARTY. Before you disclose confidential information to a real estate licensee regarding a real estate transaction, you should understand what type of business relationship you have with that licensee. There are four business relationships: (1) seller's agent; (2) buyer's agent; (3) disclosed dual agent; and (4) transaction broker. Each of these relationships imposes certain legal duties and responsibilities on the licensee as well as on the seller or buyer represented. These four relationships are defined in greater detail below. Please read carefully before making your choice. SELLER'S AGENT A seller's agent WORKS ONLY FOR THE SELLER and has legal obligations, called fiduciary duties, to the seller. These include reasonable care, undivided loyalty, confidentiality and full disclosure. Seller's agents often work with buyers, but do not represent the buyers. However, in working with buyers a seller's agent must act honestly. In dealing with both parties, a seller's agent may not make any misrepresentation to either party on matters material to the transaction, such as the buyer's financial ability to pay, and must disclose defects of a material nature affecting the physical condition of the property which a reasonable inspection by the licensee would disclose. Seller's agents include all persons licensed with the brokerage firm which has been authorized through a listing agreement to work as the seller's agent. In addition, other brokerage firms may accept an offer to work with the listing broker's firm as the seller's agents. In such cases, those firms and all persons licensed with such firms are called "sub-agents." Sellers who do not desire to have their property marketed through sub-agents should so inform the seller's agent. BUYER'S AGENT A buyer's agent WORKS ONLY FOR THE BUYER. A buyer's agent has fiduciary duties to the buyer which include reasonable care, undivided loyalty, confidentiality and full disclosure. However, in dealing with sellers, a buyer's agent must act honestly. In dealing with both parties, a buyer's agent may not make any misrepresentations on matters material to the transaction, such as the buyer's financial ability to pay, and must disclose defects of a material nature affecting the physical condition of the property which a reasonable inspection by the licensee would disclose. A buyer wishing to be represented by a buyer's agent is advised to enter into a separate written buyer agency contract with the brokerage firm which is to work as their agent. DISCLOSED DUAL AGENT A disclosed dual agent WORKS FOR BOTH THE BUYER AND THE SELLER. To work as a dual agent, a firm must first obtain the informed written consent of the buyer and the seller. Therefore, before acting as a disclosed dual agent, brokerage firms must make written disclosure to both parties. Disclosed dual agency is most likely to occur when a licensee with a real estate firm working as a buyer's agent shows the buyer properties owned by sellers for whom that firm is also working as a seller's agent or sub-agent. A real estate licensee working as a disclosed dual agent must carefully explain to each party that, in addition to working as their agent, their firm will also work as the agent for the other party. They must also explain what effect their working as a disclosed dual agent will have on the fiduciary duties their firm owes to the buyer and to the seller. When working as a disclosed dual agent, a brokerage firm must have the express permission of a party prior to disclosing confidential information to the other party. Such information includes the highest price a buyer can afford to pay and the lowest price a seller will accept and the parties' motivation to buy or sell. Remember, a brokerage firm acting as a disclosed dual agent will not be able to put one party's interests ahead of those of the other party and cannot advise or counsel either party on how to gain an advantage at the expense of the other party on the basis of confidential information obtained from or about the other party. If you decide to enter into an agency relationship with a firm which is to work as a disclosed dual agent, you are advised to sign a written agreement with that firm. TRANSACTION BROKER The New Jersey Real Estate Licensing Law does not require licensees to work in the capacity of an "agent" when providing brokerage services. A transaction broker works with a buyer or a seller or both in the sales transaction without representing anyone. A TRANSACTION BROKER DOES NOT PROMOTE THE INTERESTS OF ONE PARTY OVER THOSE OF THE OTHER PARTY TO THE TRANSACTION. Licensees with such a firm would be required to treat all parties honestly and to act in a competent manner, but they would not be required to keep confidential any information. A transaction broker can locate qualified buyers for a seller or suitable properties for a buyer. They can then work with both parties in an effort to arrive at an agreement on the sale or rental of real estate and perform tasks to facilitate the closing of a transaction. A transaction broker primarily serves as a manager of the transaction, communicating information between the parties to assist them in arriving at a mutually acceptable agreement and in closing the transaction, but cannot advise or counsel either party on how to gain an advantage at the expense of the other party. Owners considering working with transaction brokers are advised to sign a written agreement with that firm which clearly states what services that firm will perform and how it will be paid. In addition, any transaction brokerage agreement with a seller or landlord should specifically state whether a notice on the property to be rented or sold will or will not be circulated in any or all Multiple Listing System(s) of which that firm is a member. Broker will allow access to the website by others for purposes of VOW auditing as required by any agreement or regulation governing VOW operations. YOU MAY OBTAIN LEGAL ADVICE ABOUT THESE BUSINESS RELATIONSHIPS FROM YOUR OWN LAWYER. THIS STATEMENT IS NOT A CONTRACT AND IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY.