ADMISSION OF DEBT, RELEASE AND PAYMENT AGREEMENT

IMPORTANT: PLEASE READ THIS AGREEMENT CAREFULLY BEFORE CLICKING ON THE "I ACCEPT" CHECKBOX.

This Admission of Debt, Release and Payment Agreement (the "Agreement") is a document with legal significance between you, either an individual or a single legal entity ("You"), and Norfolk Financial Corp. ("Norfolk"). Buy paying all or a portion of your account with Norfolk Financial Corp. by the internet, You agree as follows:

1. SITE AS A CONVENIENCE. The gomoney123.com web site has been established by Norfolk voluntarily and merely as convenience to its account holders in order to facilitate payment. Norfolk is not obligated, in any way, to continue to provide such a payment option and has no duty to You to maintain the site.

2. RESTRICTIONS ON USE. You may not (a) copy, translate, modify, create derivative works of, or otherwise use the information contained on the site or any parts thereof, (b) distribute, sell, assign, pledge, sublicense, lease, loan, use for service bureau purposes, rent, or otherwise transfer the any information contained on the site or any parts thereof in any form to another person, (c) remove from the site, or alter, any of the trademarks, trade names, logos, patent or copyright notices or other proprietary notices or markings, or add any other notices or markings to the site, (d) use the site to tamper with, spoof, or attempt to obtain unauthorized access to Norfolk's servers or databases; (e) use the site in violation of any applicable laws in the jurisdictions in which you use the site; (f) attempt to, in conjunction with any device, software program or service, circumvent technological measures employed to control access to, or the rights in the site; or (g) permit any other party to do any of the foregoing. Norfolk does not grant to You any express or implied licenses or rights to any enabling technologies or systems that may be necessary to use the site.

3. PAYMENTS. All payments are completely non-refundable. If you elect to pay with a credit card, you authorize Norfolk to automatically bill the charge card you provide, or withdraw funds via electronic transfer from your checking account (depending on what type of charge card you are using). You further agree to provide Norfolk with a valid credit card and accurate, complete and updated information required to charge your credit card.

You are responsible and liable for any fees, including attorney and collection fees, that Norfolk may incur in its efforts to collect any remaining balances from you. You agree to notify Norfolk about any billing problems or discrepancies within 90 days after they first appear on your account statement. If you do not bring them to Norfolk's attention within 90 days, you agree that you waive your right to dispute such problems or discrepancies.

4. USER/ACCOUNT INFORMATION. You are responsible for maintaining the confidentiality of your account information. You are responsible for all activities that occur in your account and agree to notify Norfolk immediately of any unauthorized account use. Norfolk is in no way responsible for any loss that you may incur as a result of any unauthorized use of your user account.

In addition, during the use of the site, Norfolk may collect certain non-personally identifiable information ("Other Data"). For example, the some web software may regularly communicates information back to the Norfolk servers as part of the service. In addition, for purposes of monitoring and improving the accuracy of the service, Norfolk may chose to collect aggregate statistical information on its service. Norfolk does not transmit or communicate any personally identifiable information as a result of these processes. Norfolk shall be the sole owner of all Other Data collected during your use of the web site.

5. NO WARRANTIES. THE SITE AND SERVICES ARE PROVIDED AND LICENSED TO YOU "AS IS". YOU ASSUME THE ENTIRE RISK AS TO, AND ACKNOWLEDGE THAT YOU RELY SOLELY AT YOUR OWN RISK ON, RESULTS AND PERFORMANCE ARISING OUT OF THE USE OF THE SITE AND SERVICES. SHOULD THE SITE OR SERVICES PROVE TO HAVE DEFECTS IN ANY WAY, YOU ASSUME THE ENTIRE COST OF ALL SERVICING, REPAIR OR CORRECTION ARISING IN CONNECTION WITH SUCH DEFECTS AND ALSO ASSUME THE RISK OF ANY LOSS.

NORFOLK DISCLAIMS ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY AND VERACITY OF INFORMATIONAL CONTENT, SYSTEM INTEGRATION, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS, AND ANY WARRANTIES AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF THE SITE OR SERVICES. WITHOUT LIMITING THE FOREGOING, NORFOLK SPECIFICALLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES THAT THE SITE, SERVICES, NORFOLK’S EFFORTS, OR ANY SYSTEM WITH WHICH YOU WILL USE THE SOFTWARE OR SERVICES WILL MEET YOUR REQUIREMENTS, FULFILL ANY OF YOUR PARTICULAR PURPOSES OR NEEDS, OR THAT THE OPERATION OF THE SITE OR SERVICES OR WILL BE UNINTERRUPTED OR ERROR FREE. YOU ASSUME THE RESPONSIBILITY FOR THE SELECTION OF YOUR REQUIREMENTS, SOFTWARE, AND HARDWARE TO ACHIEVE YOUR INTENDED RESULTS. To the extent that a party may not as a matter of applicable law disclaim any implied warranty in the scope and duration of such warranty shall be the minimum permitted by law.

6. LIMITATION OF LIABILITY. NORFOLK SHALL NOT BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR INDIRECT DAMAGES OF ANY KIND (INCLUDING DAMAGES FOR INTERRUPTION OF BUSINESS, PROCUREMENT OF SUBSTITUTE GOODS, LOST DATA, LOST PROFITS, OR THE LIKE) ARISING OUT OF YOUR USE OR INABILITY TO USE THE SITE OR THE SERVICES (OR ANY INTELLECTUAL PROPERTY SUBSISTING THEREIN) REGARRDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT PRODUCT LIABILITY, OR ANY OTHER LEGAL OR EQUITABLE THEORY, EVEN IF NORFOLK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL NORFOLK'S AGGREGATE CUMULATIVE LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THIS AGREEMENT, TO YOU OR TO ANY THIRD PARTY, EXCEED THE LESSER OF $10.00 OR THE AMOUNT OF ANY SINGLE PAYMENT MADE ON THE SITE. THE EXISTENCE OF MULTIPLE CLAIMS WILL NOT SERVE TO ENLARGE THIS LIMITATION. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THIS LIMITATION AND EXCLUSION MAY NOT APPLY TO YOU. TO THE EXTENT THAT A PARTY MAY NOT AS A MATTER OF APPLICABLE LAW LIMIT ITS LIABILITY, THE SCOPE AND DURATION OF SUCH LIABILITY SHALL BE THE MINIMUM PERMITTED BY LAW.

THIS LIMITATION OF LIABILITY WILL APPLY NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY SET FORTH HEREIN. THE WARRANTY DISCLAIMER AND LIMITATION OF LIABILITY ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN YOU AND NORFOLK. NORFOLK WOULD NOT PROVIDE ACCESS TO THE SITE TO YOU ABSENT SUCH LIMITATIONS.

7. INDEMNIFICATION. You agree to release, indemnify and hold Norfolk, its officers, directors, agents, representatives and attorneys, harmless from and against any and all damages, liabilities, losses, costs and expenses arising from or relating in any way, directly or indirectly, without limitation, to the use of this site and for all claims related to your account or actions to collect the account, including but not limited to any claims under 15 U.S.C. Section 1692 and M.G.L. c.93A, from the beginning of time until the date of the end of the world.

8. ADMISSION. You admit that you are indebted to Norfolk, have no valid defenses or offsetting claims, and you intend to pay all or a portion of debt by means of the internet. Before paying or attempting to pay your debt, by clicking "ACCEPT" at the end of this Agreement, or by making payments via this web site You are indicating that You have read and understood, and that You assent to be bound by, the terms of this Agreement. If You do not agree to the terms of the Agreement, You should not click “ACCEPT” and should not make any payments via this web site.

9. MISCELLANEOUS. Nothing contained herein will be construed to create any agency, employment, partnership, principal-agent relationship, or other form of joint enterprise between the parties. No waiver of the Agreement will be valid unless signed by each party. The waiver of a breach of any term hereof will in no way be construed as a waiver of any other term or breach hereof. The headings in this Agreement do not affect its interpretation. You may not assign or transfer any of your rights or obligations under this Agreement to a third party without the prior written consent of Norfolk. Any attempted assignment or transfer in violation of the foregoing will be void from the beginning. Norfolk may assign this Agreement without consent to any third party. If any provision of this Agreement is held by a court of competent jurisdiction to be unenforceable, the remaining provisions of this Agreement will remain in full force and effect. Notices to Norfolk must be sent to the following address, and will be deemed effective three (3) days after certified mailing, return receipt requested: Norfolk Financial Corp., Post Office Box 320579, Boston, MA 02132; notices to You may be sent to the e-mail address that you furnished prior to downloading the Software, and will be deemed effective upon arrival at your e-mail server. This Agreement is governed by the laws of the State of Massachusetts without reference to conflict of laws principles that would require the application of the laws of any other jurisdiction. The United Nations Convention on Contracts for the International Sale of Goods is specifically disclaimed. All disputes arising out of this Agreement will be subject to the exclusive jurisdiction of the state and federal courts located in Suffolk County, Massachusetts, and the parties irrevocably consent to the personal and exclusive jurisdiction and venue of these courts. This Agreement is the final, complete, and exclusive agreement between the parties relating to the subject matter hereof, and supersedes all prior or contemporaneous understandings and agreements relating to such subject matter, whether oral or written.

This web site is maintained by a debt collector. This is an attempt to collect a debt; any information obtained will be used for that purpose.