By accessing this website, you agree, without limitation or qualification, to the following terms and conditions of use. If you do not agree to these terms, please do not use this website. MFA Financial, Inc. and/or its affiliated entities (''MFA") may at any time update and/or revise these terms and conditions without notice. You are bound by any such updates or revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound by using this website. You agree that it is your responsibility to monitor changes to this website.

General

All content on this website (including, without limitation, text, design, graphics, logos, icons, images, audio clips, downloads, interfaces, code and software, as well as the selection and arrangement thereof), is the exclusive property of and owned by MFA, its licensors or its content providers and is protected by copyright, trademark and other applicable laws. MFA assumes no responsibility for the accuracy of the information presented on this website or any information linked to via this website, and the user of information presented on this website or any information linked to via this website does so at the user’s own risk. MFA has provided all information on an “AS IS” basis only. MFA makes no representations and warranties, express or implied, including the implied warranties of fitness for a particular purpose, merchantability and non-infringement. MFA disclaims any and all such warranties to the fullest extent permitted by applicable law.

The information presented on, or linked to via, this website is for information purposes only and no warranty is made that such information is error free or up to date. Such information may be changed or updated without notice and may change regularly and rapidly. Further, the information presented on this website or the information linked to via this website about MFA may be superceded or replaced by the information set forth in the registration statements, prospectuses, and/or reports that MFA files with, or furnishes to, the Securities and Exchange Commission (“SEC”) from time to time, and you should therefore review all such documents and any other materials that MFA publicly releases. Except as required by law, MFA has no obligation to update any such information and it may be or become outdated.

The information presented on this website is not designed for the purpose of offering for sale or selling any securities and nothing presented on or linked to via this website shall constitute or should be construed to as investment advice. NEITHER THE INFORMATION PRESENTED ON THIS WEBSITE NOR ANY INFORMATION LINKED TO VIA THIS WEBSITE IS AN OFFER TO SELL, NOR A SOLICITATION OF AN OFFER TO BUY, ANY SECURITIES OF MFA OR ANY OTHER COMPANY. You must independently analyze and determine whether to make any particular investment decision and you should seek competent investment advice before making such investment decision. Any discussion of the securities of any particular company presented on this website or linked to via this website does not constitute an endorsement of such company or its securities by MFA. In exchange for using this website, you agree to indemnify, defend and hold MFA harmless against any claims for damages arising under or related to any decisions that you make based in full or in part on the information on or linked to via this website. If you cause a technical disruption of this website or the systems transmitting the website to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys' fees and court costs, arising or resulting from that disruption. MFA reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with MFA in the defense of such matter.

Waiver of Liability

MFA shall not be liable under any circumstances to any party for any direct, indirect, special or other consequential damages for any access to or use of this website or any information linked to via this website, including, without limitation, any lost profits, business interruption, viruses that may infect your computer equipment or otherwise. MFA shall not be liable for any such damages even if it is expressly advised of the possibility of such damages.

Forward-Looking Statements

This website contains or links to other websites that contain forward-looking statements about MFA within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. When used, statements which are not historical in nature, including those containing words such as “believe,” “expect,” “anticipate,” “estimate,” “plan,” “continue,” “intend,” “should,” “may” or similar expressions, are intended to identify forward-looking statements. These forward-looking statements may involve known and unknown risks, uncertainties and assumptions. Statements regarding the following subjects, among others, may be forward-looking: changes in interest rates and the market value of MFA’s MBS; changes in the prepayment rates on the mortgage loans securing MFA’s MBS; MFA’s ability to borrow to finance its assets; implementation of or changes in government regulations or programs affecting MFA’s business; MFA’s ability to maintain its qualification as a REIT for federal income tax purposes; MFA’s ability to maintain its exemption from registration under the Investment Company Act of 1940; and risks associated with investing in real estate assets, including changes in business conditions and the general economy.  These and other risks, uncertainties and factors, including those described in the annual, quarterly and current reports that MFA files with the SEC, could affect MFA's business, results of operations and financial condition and could cause MFA's actual results to differ materially from those projected in any forward-looking statements it makes. All forward-looking statements speak only as the date they are made. New risks and uncertainties arise over time and it is not possible to predict those events or how they may affect MFA. Except as required by law, MFA is not obligated to, and does not intend to, update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Miscellaneous

MFA is not granting any license or other right, including any copyright, patent or intellectual property right, to use or reproduce the information contained on or linked to via this website, other than the right to view such information. You must adhere to all copyright or other proprietary notices contained on this website.

Different terms and conditions may apply to your use of sites linked to via this website.  MFA is not responsible for any losses, damages or other liabilities incurred as a result of your use of any such linked sites.

If any provision of these terms and conditions are found to be unlawful, void or unenforceable, the remaining terms and conditions will remain in place.