Jim Piecewicz, Branch Manager for Northern Bank and Trust and Jason Darrow, Loan specialist from Northern Bank and Trust

will review what every first-time home buyer needs to know before they buy their first home .

TERMS AND CONDITIONS:

Cancellation Policy - I/We accept the following Roudenbush Community Center Cancellation and Transfer Policy: A voucher less $10 will be issued for cancellations 7 days prior to start of program; no other refunds will be granted; no refunds will be issued for trips or special events; there will be a $10 fee to transfer from one class to another; vouchers expire one year from date of issue; if Roudenbush cancels a class, we will call participants and issue a full voucher or refund.

Release of Liability - Participation in certain physical program(s) may involve some risk of personal injury. By checking this box I hereby release and covenant to hold harmless The Roudenbush Community Center, its agents and employees from any and all actions, claims, and damages for personal injuries, that I or my children may sustain or incur as a result of participation in the program(s).

Release of Liability for Minor - I/We, as parents/guardians of registered minor, hereby consent to his/her participation in the RCC Programs and to his/her use of the RCC facilities and equipment. I/We further agree to release and hold harmless RCC and their employees, agents and assigns from any and all liability or expenses arising out of any incident involving, or any account of any injury to the above named minor in connection with such program. I/We further consent to emergency treatment by a physician in the event of injury to, or illness of our child during his/her participation in this program. I/We accept full responsibility for all costs for any such emergency treatment.

Photography Permission - I/We, as parents/guardians of registered minor, hereby consent to the taking of videos and photographs of my/our child which may be used in the promotion of the RCC Programs.