DISCLAIMER      
  NEFOMC maintains this Site to provide you with information about NEFOMC's services. NEFOMC requires that all the visitors to our site(s) on the Internet (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions. From time to time we may revise these terms and conditions.

Copyright in the pages, screens, text and images appearing at the Site is owned by NEFOMC. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, re-posted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of NEFOMC.

Any communication or material you transmit to us via Internet electronic mail may not be confidential.

NEFOMC intends to include accurate and up-to-date information on its web site, but ALL THE MATERIALS INCLUDED ON THE WEBSITE ARE PROVIDED AS IS and, to the extent allowed by applicable law, SUCH MATERIALS ARE WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NEFOMC MAKES NO WARRANTY THAT THE INFORMATION PROVIDED ON ITS WEBSITE IS FREE OF DEFECTS AND IS ACCURATE; NEFOMC FURTHER DOES NOT WARRANT THAT ITS WEB SITE, SERVER, OR LINKS ARE FREE OF VIRUSES.

You agree that your access and use of the web site and its contents is at your own risk. NEFOMC shall not be liable for any direct, indirect, special, CONSEQUENTIAL OR EXEMPLARY DAMAGES FROM YOUR USE OF ITS WEB SITE FOR ANY REASON, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE. FURTHERMORE, NEFOMC SHALL NOT BE LIABLE FOR ANY SUCH DAMAGES IN THE EVENT THAT ITS WEB SITE IS UNAVAILABLE FOR YOUR USE. BY ACCESSING NEFOMC'S WEB SITE, YOU RELEASE NEFOMC AND ITS SUCCESSORS AND ASSIGNS FROM ANY LOSS OR LIABILITY YOU INCUR OR CLAIM TO INCUR IN CONNECTION WITH THE USE OF THIS WEBSITE.

You agree that your use of this Site shall be governed by all applicable Federal laws and the laws of the state of Massachusetts.

If you do not agree with the terms of this disclaimer, please do not use this web site