TERMS OF USE

Last Updated: May 1, 2026

Please read these Terms of Use (“Terms of Use”) before accessing or using our websites, www.structuredfinance.org and www.structuredfinancecoalition.org, and any related mobile sites, applications, or features (each, a “Site,” and collectively, the “Sites”), including those used in connection with our branded in-person or virtual events (each, an “Event”). These Terms of Use are a legally binding agreement between Structured Finance Industry Group, Inc. d/b/a Structured Finance Association, together with its affiliates (collectively, “SFA,” “we,” “our,” or “us”), and any person who accesses or uses the Sites (“you” or “your”).

By accessing or using any of the Sites, you accept and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you must not access or use the Sites.

1. ACCOUNT

1.1. Account Security. To access certain portions of the Sites, you may be required to register for and create an account. You are responsible for maintaining the confidentiality and security of your account and login credentials, and you are solely responsible for all activities that occur through your account, whether or not authorized by you.

1.2. Account Sharing. You may not reveal, disclose, transfer, or share your account or login credentials with any other person. Any sharing of your account or login credentials constitutes a breach of these Terms of Use. We may hold you responsible for any losses incurred by SFA or any other party arising from the use of your account or login credentials by another person.

1.3. Account Suspension and Administration. You agree to notify SFA immediately if you become aware of any unauthorized use of your account or login credentials, or any other breach of security involving your account. You also agree to keep any registration information you provide to SFA current, complete, and accurate. We may deny, suspend, or terminate access to, use of, or registration privileges for any account at any time in our sole discretion, including if we have reason to believe that an account was created with false information or is being used for fraudulent or unauthorized purposes. If you make changes to your settings or user permissions within the Sites, you acknowledge that such changes may not take effect immediately.

2. PERMITTED USE OF THE SITES. Subject to these Terms of Use, SFA grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Sites solely: (a) to obtain general information about SFA, its services, and its Events; (b) to register for, access, or participate in Events and related Site features; (c) to download content SFA makes available through the Sites (“Content”); (d) to upload or submit Submissions (as defined below); (e) to contact us; and (f) for your internal business purposes.

3. PROHIBITED USE OF THE SITES. You agree that you will not, directly or indirectly, at any time: (a) bypass, breach, or attempt to bypass or breach any security device or protection used in connection with the Sites; (b) interfere with or disrupt the integrity, security, or performance of the Sites; (c) input, upload, post, transmit, store, or otherwise provide to or through the Sites any information or materials that are unlawful, injurious, or otherwise objectionable, or that contain, transmit, or activate any software, hardware, code, device, or other technology that permits unauthorized access to, or disrupts, disables, damages, or otherwise harms, the Sites or any computer software, hardware, systems, or telecommunications equipment of SFA or any third party; (d) introduce into the Sites any virus, bug, Trojan horse, worm, backdoor, malware, time bomb, drop-dead device, or other malicious code or harmful mechanism, or otherwise attempt to prevent any person from accessing or using the Sites; (e) access or use the Sites in any manner or for any purpose that infringes, misappropriates, or otherwise violates any intellectual property right or other right of any third party, or that violates any applicable law; or (f) upload, post, transmit, store, or otherwise make available on or through the Sites any Submission (as defined below) that, in SFA’s sole discretion, is unlawful, threatening, abusive, defamatory, misleading, fraudulent, pornographic, or otherwise explicit in nature, constitutes unauthorized or unsolicited advertising, or otherwise violates our rules or policies, as may be established or amended from time to time.

4. SUBMISSIONS

4.1. Submissions Generally. You may submit, post, display, or otherwise make available information or materials on or through the Sites (“Submissions”). Except for the rights and licenses expressly granted in these Terms of Use, you retain all ownership rights in and to your Submissions.

4.2. Private Submissions. Unless you choose to make your Submissions available to others through the Sites, your Submissions will remain private. SFA will not review, share, or otherwise use private Submissions except as expressly permitted by these Terms of Use or the Privacy Policy. If, in the course of providing technical support, maintenance, or other services relating to the Sites, it becomes necessary for SFA to access or view private Submissions, such access or viewing will be limited to the extent reasonably necessary for the applicable purpose.

4.3. Shared Submissions. If you choose to share your Submissions through public or interactive features of the Sites, you grant SFA a non-exclusive, worldwide, royalty-free, fully paid-up license to host, store, reproduce, display, distribute, and otherwise use such Submissions solely as necessary to operate, provide, support, promote, and improve the Sites and Events, services, and related offerings, in each case in accordance with the Privacy Policy and these Terms of Use.

4.4. Your Representations. You represent and warrant that: (a) you have all rights necessary to provide the Submissions and to grant the rights set forth in these Terms of Use; and (b) your Submissions do not violate any applicable law or infringe, misappropriate, or otherwise violate the rights of any third party.

5. INTELLECTUAL PROPERTY

5.1. Ownership. The Sites, the Content, and all intellectual property rights therein and thereto, including all copyrights, trade secrets, database rights, trademark rights, trade dress rights, rights in trade names, service marks, logos, and other product and service names, and will remain the sole and exclusive property of SFA, its affiliates, and/or their respective licensors and suppliers.

5.2. Marks. All graphics, icons, logos, page headers, button icons, scripts, and other items displayed on the Sites may constitute registered or unregistered trademarks, service marks, or trade dress (collectively, the “Marks”) of SFA or third parties that have granted SFA the right to use such Marks. Except as expressly permitted in these Terms of Use, you may not use the Marks without the prior written consent of SFA or the applicable third-party owner.

5.3. No Implied Rights. Except for the limited rights expressly granted in these Terms of Use, no express or implied license or other rights are granted to you in or to the Sites, the Content, the Marks, or any other intellectual property of SFA or any third party.

5.4. Feedback. If you provide SFA with any request, comment, suggestion, recommendation, correction, or other feedback relating to the Sites or related services (“Feedback”), you grant SFA a non-exclusive, worldwide, royalty-free, fully paid-up license to use and otherwise exploit that Feedback for the purpose of operating, evaluating, improving, and promoting the Sites and related services, without notice to you or compensation to you.

6. ELECTRONIC COMMUNICATIONS. When you visit or use the Sites, or send emails or other electronic communications to SFA, you are communicating with us electronically. You consent to receive communications from us electronically, including by email and by notices posted on the Sites. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

7. PRIVACY POLICY. SFA’s Privacy Policy (the “Privacy Policy”) is incorporated into and made part of these Terms of Use. By accessing or using the Sites, you acknowledge the terms of the Privacy Policy. Any Personal Information that you provide to us through the Sites or otherwise will be collected, used, and disclosed in accordance with the Privacy Policy.

8. DISCLAIMER OF WARRANTIES. THE SITES, AND ALL CONTENT, MATERIALS, SERVICES, AND PRODUCTS MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE SITES, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SFA DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. SFA DOES NOT REPRESENT OR WARRANT THAT THE SITES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS, THAT DEFECTS WILL BE CORRECTED, OR THAT THE CONTENT OR MATERIALS MADE AVAILABLE THROUGH THE SITES WILL BE ACCURATE, COMPLETE, CURRENT, RELIABLE, OR OTHERWISE MEET YOUR REQUIREMENTS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SFA MAKES NO REPRESENTATION OR WARRANTY REGARDING THE SECURITY OF ANY INFORMATION TRANSMITTED TO OR THROUGH THE SITES. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

9. INDEMNIFICATION.

9.1. Indemnification by You. You will indemnify, defend, and hold harmless SFA, its affiliates, and their respective officers, directors, employees, agents, licensors, and service providers from and against any claims, losses, damages, liabilities, judgments, settlements, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to: (a) your breach of these Terms of Use; or (b) your Submissions (collectively, “Claims”).

9.2. Indemnification Procedures. SFA may, at its option, assume control of the defense and settlement of any Claim at your expense, in which case you will cooperate with SFA in asserting any available defenses. You may not settle any Claim or consent to the entry of any judgment without SFA’s prior written consent, unless such settlement fully and unconditionally releases the SFA parties from all liability and does not impose any obligation on any of them.

10. LIMITATIONS OF LIABILITY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOUR USE OF THE SITES IS AT YOUR OWN RISK. NEITHER SFA NOR ITS AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SERVICE PROVIDERS, OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITES OR ANY CONTENT MADE AVAILABLE THROUGH THE SITES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO YOUR ACCESS TO, USE OF, OR INABILITY TO ACCESS OR USE THE SITES, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL LIABILITY OF SFA AND THE OTHER SFA PARTIES FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITES OR THESE TERMS OF USE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages or liabilities, so some of the above limitations may not apply to you.

11. LINKS TO OTHER WEBSITES. The Sites may contain links to third-party websites, applications, or online services that are not owned or controlled by SFA. SFA is not responsible for the content, privacy practices, policies, terms, or security of any third-party website, application, or service. Your access to and use of any such third-party website, application, or service is at your own risk, and we encourage you to review its applicable terms and privacy policy.

12. COPYRIGHT. Copyright © 2026, Structured Finance Association. ALL RIGHTS RESERVED. All content included on the Sites, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of SFA or its content suppliers and protected by United States and international copyright laws. You agree not to change or delete any proprietary notices from materials printed or downloaded from the Sites.

13. COPYRIGHT COMPLAINTS. SFA respects the intellectual property rights of others. If you believe that any material made available on or through the Sites infringes your copyright, you may submit a notice in accordance with the Digital Millennium Copyright Act (the “DMCA”) requesting that the material be removed or access to it be disabled. Your notice must include: (a) your physical or electronic signature; (b) identification of the copyrighted work claimed to have been infringed; (c) identification of the allegedly infringing material and information reasonably sufficient to permit us to locate it; (d) your contact information; (e) a statement that you have a good faith belief that the challenged use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, under penalty of perjury, that the information in your notice is accurate and that you are authorized to act on behalf of the copyright owner. Notice should be sent to the address set forth in Section 20. Please note that any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability under Section 512(f) of the DMCA.

14. TERMINATION AND SUSPENSION

14.1. Termination and Suspension Generally. SFA may, in its sole discretion, suspend or terminate your access to or use of the Sites, any Content, or any account or subscription at any time if SFA reasonably believes that you have violated these Terms of Use or that your access to or use of the Sites is unauthorized, fraudulent, or otherwise inappropriate.

14.2. Effect of Termination. Upon any suspension or termination, you must immediately cease using the Sites and any Content and destroy any copies of the Content in your possession or control, except to the extent retention is expressly permitted under these Terms of Use. Accessing or using the Sites after suspension or termination is prohibited.

14.3. No Liability. SFA will not be liable to you or any third party for any suspension or termination of your access to or use of the Sites, any Content, or any account or subscription.

14.4. Survival. Any provisions of these Terms of Use that by their nature should survive suspension or termination will survive, including provisions relating to intellectual property, disclaimers, limitations of liability, indemnification, governing law, arbitration, and any accrued rights or remedies.

15. EXPORT CONTROL. The Sites and any Content made available through the Sites may be subject to United States export control and sanctions laws. You may not access, download, use, export, or re-export any Content in violation of any applicable United States export control or sanctions laws or regulations, including to any country, territory, individual, or entity subject to United States embargoes or other applicable restrictions. By accessing or using the Sites, you represent and warrant that you are not located in, organized under the laws of, or ordinarily resident in any country or territory subject to comprehensive U.S. embargoes, and that you are not identified on any applicable U.S. government restricted-party list. SFA does not authorize the access, download, use, export, or re-export of any Content in violation of applicable export control or sanctions laws.

16. MANDATORY BINDING ARBITRATION; WAIVER OF CLASS ACTION; GOVERNING LAW

16.1. Consent to Mandatory Binding Arbitration; Waiver of Class Action. Any dispute or claim related to, or arising from, these Terms of Use shall be resolved by mandatory, confidential, final, and binding arbitration. YOU AND SFA, EACH AGREE THAT ALL DISPUTES SHALL BE ARBITRATED ON AN INDIVIDUAL BASIS AND EACH WAIVES ANY RIGHT TO LITIGATE IN COURT OR ARBITRATE ANY CLAIM AS A CLASS ACTION, REPRESENTATIVE ACTION, OR CLASS ARBITRATION. If you do not consent to this clause, you must not use any of the Sites.

16.2. Arbitration Process. Should any current or future claims arise between you and SFA, you shall send a written notice describing the issue (a “Dispute Notice”) to: Structured Finance Association, 1776 I Street NW, Suite 200 Washington, DC 20006, Attention: Legal Department. You and SFA agree to make a good faith effort to resolve the claim for at least 30 days (the “Negotiation Period”) following SFA’s receipt of the Dispute Notice. If you and SFA cannot resolve the claim within the Negotiation Period, you understand that the claim shall be resolved by mandatory, confidential, final, and binding arbitration held before a neutral, single arbitrator in New York, New York conducted by the Judicial Arbitration Mediation Services, Inc. (“JAMS”) in accordance with the JAMS Comprehensive Arbitration Rules and Procedures effective June 1, 2021. JAMS Comprehensive Arbitration Rules and Procedures can be found at https://www.jamsadr.com/adr-rules-procedures/. You agree that any and all issues relating or pertaining to arbitration or this arbitration clause, including but not limited to the enforceability or validity of this arbitration clause, shall be delegated to the arbitrator selected pursuant to this provision.

16.3. Governing Law. These Terms of Use shall be governed by the laws of the State of New York, without regard to conflict of laws.

17. ASSIGNMENT. You may not assign, transfer, delegate, or otherwise convey these Terms of Use, whether by operation of law or otherwise, without SFA’s prior written consent. Any purported assignment, transfer, delegation, or conveyance by you without such consent will be null and void. SFA may assign, transfer, or delegate its rights or obligations under these Terms of Use at any time without notice to you. Subject to the foregoing, these Terms of Use will be binding upon and inure to the benefit of the parties and their respective permitted successors and assigns.

18. ENTIRE AGREEMENT. These Terms of Use constitute the entire and exclusive agreement between you and SFA with respect to the Sites and related services, and supersede and replace all prior and contemporaneous oral or written understandings, agreements, communications, and proposals relating to the Sites and related services.

19. CHANGES TO THESE TERMS OF USE. We may change these Terms of Use from time to time, including as required to keep current with rules and regulations, new technologies and security standards. When we do, we will let you know by appropriate means such as by posting the revised Terms of Use with a new “Last Updated” date. Changes to these Terms of Use will become effective when posted, unless indicated otherwise.

20. CONTACT US. If you have questions or concerns about these Terms of Use, you can contact us at: Attn: Legal Department 1776 I Street NW, Suite 200 Washington, DC 20006 info@structuredfinance.org (202) 524-6300