The information and materials included on this Web site and the terms, conditions and descriptions that appear are subject to change. For example, information included on this Web site may speak as of a specified date or as of the date it was first published. As a result, users should not assume that any information included on this Web site remains effective at a later time. Countrywide takes no responsibility for supplementing, updating or correcting any information. This Web site may contain links to Web sites that have not been developed, checked for accuracy or otherwise reviewed by Countrywide. Countrywide is not responsible for such other Web sites or the content included therein. Countrywide does not endorse or recommend such other Web sites or the products or services offered or information contained thereon nor is Countrywide liable for any failure of products or services offered on those Web sites. This Web site contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, regarding management's beliefs, estimates, projections, and assumptions with respect to, among other things, Countrywide's future operations, business plans and strategies, as well as industry and market conditions, all of which are subject to change. Actual results and operations for any future period may vary materially from those projected herein and from past results discussed herein. Factors which could cause actual results to differ materially from historical results or those anticipated include, but are not limited to: competitive and general economic conditions in each of our business segments; changes in general business, economic, market and political conditions in the United States and abroad from those expected; loss of investment grade rating that may result in an increase in the cost of debt or loss of access to corporate debt markets; reduction in government support of homeownership; the level and volatility of interest rates; changes in interest rate paths; changes in the legal, regulatory and legislative environments in the markets in which Countrywide operates; and other risks noted in documents filed by Countrywide with the Securities and Exchange Commission from time to time. Words like believe, expect, anticipate, promise, plan, and other expressions or words of similar meanings, as well as future or conditional verbs such as will, would, should, could, or may are generally intended to identify forward-looking statements. Countrywide undertakes no obligation to publicly update or revise any forward-looking statements.