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• Any communication or material you post or transmit to myMerced.com is, and will be treated as, non-confidential and non-proprietary. You assume full responsibility for anything you post or transmit, and you grant myMerced.com and its affiliates the right to edit, copy, publish and distribute any information or content you post or transmit for any purpose.

• myMerced.com and its affiliates may not review or monitor any or all web sites linked to myMerced.com and are not responsible for the content of any such linked web sites. Your linking to such web sites is at your own risk.

• You should be aware that if you voluntarily disclose personal information (e.g., user name, email address) on a bulletin board, chat room or on any other user or member generated pages, that information can be collected and used by others and may result in unsolicited messages from other parties.

• This User Agreement and any disputes arising out of or related to myMerced.com shall be governed by, and construed and enforced in accordance with, the laws of the State of California.

Effective 7/20/2004