Licensing

The following is a list of current state licenses held by Bankers Mortgage Trust, Inc. and/or bankershomeloan.com. In addition you will find all the disclosures that the state regulatory authorities require us to disclose to you. Under the normal course of business, Bankers Mortgage Trust, Inc. may operate in some states under several trade names such as bmtloans.com, bankershomeloan.com, or others. Please note that you are still working with employees of Bankers Mortgage Trust, Inc, but because of certain business relationships, and/or state name regulations, we are required to operate under a different name.

Terms of Use

Welcome... to Bankers Mortgage Trust Web site (the "Site"). Please review the following basic rules that govern your use of the Site. Your access to and use of the Site is subject to the terms and conditions set forth below and any and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, the terms and conditions and acknowledge that any other agreements between you and Bankers Mortgage Trust are superseded and of no force or effect. If you do not agree with them, do not use the Site or download Materials.

1.You should assume that everything you see or read on the Site is copyrighted unless otherwise noted and may not be used except as provided in these terms and conditions or in the text on the Site without the written permission of Bankers Mortgage Trust. Bankers Mortgage Trust neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with Bankers Mortgage Trust.

2. While Bankers Mortgage Trust uses reasonable efforts to include accurate and up-to-date information in the Site, Bankers Mortgage Trust makes no warranties or representations as to its accuracy. Bankers Mortgage Trust assumes no liability or responsibility for any errors or omissions in the content of the Site.

3. Your use of and browsing in the Site are at your risk. Neither Bankers Mortgage Trust or any of its agencies, nor any other party involved in creating, producing, or delivering the Site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the Site. Without limiting the foregoing, everything on the Site is provided to you 'as is' without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Bankers Mortgage Trust also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio from the Site.

4. Any communication or material you transmit to the Site by electronic mail or otherwise, including any data, questions, comments, suggestions or the like is, and will be treated as, nonconfidential and nonproprietary, unless otherwise specifically indicated. Anything you transmit or post becomes the property of Bankers Mortgage Trust or its affiliates and may be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, Bankers Mortgage Trust is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Site for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products using such information.

5. Images of people or places displayed on the Site are either the property of, or used with permission by Bankers Mortgage Trust. The use of these images by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

6. The trademarks, logos, and service marks (collectively the 'trademarks') displayed on the Site are registered and unregistered trademarks of Bankers Mortgage Trust. Nothing contained on the Site should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any trademark displayed on the Site without the written permission of Bankers Mortgage Trust or such third party that may own the trademarks displayed on the Site. Your use of the trademarks displayed on the Site, or any other content on the Site, except as provided in these terms and conditions, is strictly prohibited. You are also advised that Bankers Mortgage Trust will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

7. Bankers Mortgage Trust has not reviewed any or all of the sites linked to the Site and is not responsible for the content of any off-site pages or any other sites linked to the Site. Your linking to the Site, off-site pages or other sites is at your own risk and without the permission of Bankers Mortgage Trust.

8. Although Bankers Mortgage Trust may, from time to time, monitor or review postings, transmissions, and the like on the Site, Bankers Mortgage Trust is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within such locations on the Site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or an material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. Bankers Mortgage Trust will fully cooperate with any law enforcement authorities or court order requesting or directing Bankers Mortgage Trust to disclose the identity of anyone posting any such information or materials.

9. Bankers Mortgage Trust may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms & conditions to which you are bound.