• Provide proof of secondary loan market experience defined as at least two bids and one award from verifiable, reputable counterparties.
• Sign the FDIC Security Agreement and post a $50,000 Security Deposit with FDIC.

www.debtx.com supports recent versions of all major web browsers. This list includes:

• Microsoft Internet Explorer version 6.0 and higher
• Mozilla Firefox version 3.0 and higher
• Apple Safari version 3.1 or higher

DXSyndicate's administrative interface supports Internet Explorer 6.0 or higher.

If you are notified that your browser is not supported, please log in again via a supported browser. Failure to do so may result in unexpected results and problems.

See the list of supported web browsers.

DebtX.com requires JavaScript be enabled in your browser. Failure to enable this feature will cause the web site to operate incorrectly.

For instructions on how to enable JavaScript, please see your web browser's documentation.

DebtX.com uses cookies to store information temporarily about your session. It does not store any confidential information in the cookie file.

The DebtX web site makes limited use of “pop-up” windows to display asset documents and security-related information. All pop-up blocking software must be configured to allow pop-up windows from www.debtx.com. Failure to configure your software properly may prevent viewing of these documents.

Windows XP Service Pack 2 installs a pop-up blocker by default. This blocker is active if you use Internet Explorer 6.0 on a Windows XP SP2 system.

To allow pop-ups from www.debtx.com, configure your system via the following steps:

1. Open Internet Explorer.
2. On the Tools menu, point to Pop-up Blocker, and then click Pop-up Blocker Settings.
3. Type www.debtx.com in the Address of Web site to allow box, and then click Add.

The popular Firefox web browser has built-in pop-up blocking functionality.

To allow pop-up windows from www.debtx.com:

1. Open Firefox.
2. On the Tools menu, select Options…
3. Click on the Web Features tab
4. Click on Allowed Sites
5. Enter the www.debtx.com in Address of web site and click Allow.
6. Click OK.

Google’s toolbar contains a pop-up blocker that is active by default. To allow pop-up windows from www.debtx.com:

For the Google Toolbar 4.0:

1. Click the Settings button on your Toolbar and choose Options.
2. Select the More tab.
3. Un-check the box next to Popup Blocker.
4. Click OK.

For the Google Toolbar 3.0, please click on the Options button on your Toolbar and un-check the box next to Popup Blocker.

See Google Toolbar’s help page for more details.

The Yahoo! Toolbar contains a pop-up blocker that may be active. To allow pop-up windows from www.debtx.com:

1. Click the Pop-Up Blocker menu.
2. Select Always Allow Pop-Ups From....
3. Select www.debtx.com from the Sources of Recently Blocked Pop-Ups list.
4. Click Allow.

The DebtX web site makes extensive use of Portable Document Format (PDF) files. Either Adobe Acrobat Reader or Adobe Acrobat (version 5.0 or later) is required to view DebtX's PDF documents.

Acrobat and Acrobat Reader are preconfigured with generalized settings and can be further optimized to improve access.

To optimize PDF file access, please make the following configuration changes:

1. Run Adobe Acrobat Reader.
2. Go to Edit, Preferences…
3. Click on Internet in the categories list.
4. Make sure Allow fast web view is checked.
5. Make sure Allow speculative downloading in the background is unchecked
6. Set Connection speed to the correct speed. Use the following list in you're not sure:
1. Enterprise-class Internet access (e.g. T1) - choose 1.5 Mbps
2. High-speed cable modem - choose 1.5 Mbps
3. Normal cable modem - choose 1 Mbps
4. High speed DSL - choose 756 Mbps
5. Normal DSL - choose 384 Mbps
6. Dialup - choose 56 Mbps
7. Select OK.

First, ensure that a popup blocker is not preventing the document from being displayed.

If the problem is not caused by a popup blocker, Acrobat may not be responding correctly. From time to time, more recent versions of Adobe Acrobat or Acrobat Reader stop responding and must be manually stopped via the task manager.

To end the Acrobat or Acrobat Reader process:

1. Press Ctrl-Alt-Delete (at the same time). This should open the Windows security window.
2. Press "Task Manager".
3. Click on the "Processes" tab.
4. Look in the "Image Name" column for either Acrobat.exe or AcroRd32.exe.
5. Click on the row containing the correct image name.
6. Click on "End Process".
7. Select "Yes".
8. Try again to view the document.

All Microsoft Office documents (i.e. Word, Excel, Powerpoint) on the DebtX website require Microsoft Office XP or later. For Mac users, the equivalent version is Microsoft Office for Mac 2004.

Windows users can alteratively use the freely available Word Viewer and Excel Viewer applications from Microsoft.

The password rules for the DebtX.com web site are as follows:

• Must be at least 8 characters long.
• Must contain at least one non-letter.
• All DebtX.com passwords expire after 90 days. When your password expires, you will be prompted to provide a new password.
• Password cannot be reused for a period of 450 days after it is initially specified.
• User accounts are locked after three (3) consecutive failed log on attempts.

After user log on, all network traffic is encrypted via 128-bit SSL. You can verify if the browser is working in secure, encrypted mode:

• Firefox - the background color of the address bar changes to yellow (when using default skin).
• Internet Explorer - locked padlock icon appears in the bottom left corner of your browser window.
• Safari - locked padlock icon on upper right of window.

All modern archive utilities (WinZip, Power Archiver, etc.) support the Advanced Encryption Standard (AES). AES 256-bit is one of the strongest encryption methods available and is the preferred encryption method for many corporations and the US Government.

Encrypted Zip files are protected via a password that must be shared between the sender and the recipient(s). It is very important that this password is not communicated via email. Use another method of communication to relate the password, such as telephone, fax, instant message, etc. An encrypted communications channel is always preferred.

Passwords should also be as complex as possible. General guidelines are:

• Minimum of 8 characters
• Mixed upper and lower case
• Non-alphabet characters
• Substitute numbers and characters for letters (i.e. 0 for o, 1 for I, @ for a, etc.)

To encrypt a file in a Zip archive:

For Power Archiver:

1. Right-click on the file and select Compress With Options...
2. On the lower right of the dialog box, select PK AES-256 bit under Encryption.
3. Click the Password… button.
4. Enter the password and press OK.
5. Re-enter the password and press OK.
6. Press the Add button.

For WinZip:

1. Right-click on the file and select WinZip, followed by Add to Zip file...
2. Under Options, select Encrypt added files.
3. Press the Add button.
4. Under Encryption method, select 256-Bit AES encryption.
5. Enter the password and press OK.

For more details, please visit the following sites:

• Power Archiver
• WinZip

DebtX supports file transfers via the SSH (Secure) File Transfer Protocol (SFTP) standard. SFTP is ideal when a large number of documents need to be transferred securely. SFTP is also an important part of the DXOpen Secure Document Upload process.

Note that use of the SFTP protocol requires that corporate firewalls allow outbound access to the SSH port (Port 22), as well as installation of SFTP client software. Please contact your corporate IT department to ensure that access to this port is enabled.

DebtX recommends the freely available WinSCP client, available from www.winscp.net.

Please contact DebtX if you wish to establish an SFTP account.

Transport Layer Security (TLS) is a security protocol that encrypts the network connection between mail servers. This is not a user level encryption method, but instead must be installed and configured by network/messaging engineers. TLS ensures that email data that is being transmitted over the Internet is not accessible to third parties and it is therefore highly recommended.

Pretty Good Privacy (PGP) is a popular commercial encryption application which runs on most operating systems. The software plugs in to Microsoft Outlook as well as other mail clients and allows users to easily encrypt their outgoing email and decrypt incoming mail.

PGP supports both public-key encryption as well as simple password-based encryption. DebtX supports the use of PGP for secure file transfers and email. DebtX's PGP key (Key ID 0xC249D5A5) can be downloaded from ldap://keyserver.pgp.com via the PGPKeys tool.

See PGP's web site for more details on purchasing PGP.

DebtX does not support S/MIME encrypted email.