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PRINT PAGE PREMIUMSTOCKSPLUS.COM TERM OF USE, CONDITIONS AND DISCLAIMER AGREEMENT BETWEEN PREMIUMSTOCKSPLUS.COM AND THE USER TERM OF USE By accessing and using any or all of the products, services, newsletters, research results, charts, internet web sites and web pages, owned and operated by PremiumStocksPlus.com the User agrees to be bound by these terms of use, conditions and disclaimer ("Terms of Use") and all applicable laws and regulations. If you, the User, do not agree with any part of these Terms of Use, you must immediately discontinue any use of the Website. These Terms of Use may change from time to time without notice and it is the User's responsibility to check for updates. By using this Website you, the User, are agreeing to be bound by the current version of these Terms of Use. The last revision date for these Terms of Use is set forth below. Any reference to PremiumStocksPlus.com in these Terms of Use shall mean PremiumStocksPlus.com and any of its associates or subsidiaries. CONTENT/RESERVED RIGHTS PremiumStocksPlus.com owns all rights to the intellectual property, underlying processing and analysis technology, and software incorporated and/or presented on any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com including copyrights, and owns or has acquired the necessary permissions from content providers or suppliers, for all of the content, information, software, products and services provided in and on any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com including all text, HTML code, multimedia clips, images, graphics, icons, Java code, and the selection and arrangement of the contents and Information presented on the Website (collectively referred to as the "System"). In this context, "Information" is defined as and refers to the totality of all charts, quotes, trading signals, trading indicators, market analyses, commentaries, recommendations, tutorials, instructions, and any other data that could be qualified as trading information, presented on any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com or distributed to subscribers via email from PremiumStocksPlus.com. The System constitutes a confidential and valuable asset of PremiumStocksPlus.com and is protected by copyright laws and international copyright treaties, as well as by other intellectual property laws and treaties. The User may not use, reproduce, transfer, publish, disclose or sell the System or any of its components or content, except as provided for in this Agreement. PremiumStocksPlus.com specifically prohibits the re-distribution of any or all of the products, services, newsletters, signals, charts, available on, through or from the Website owned and operated by PremiumStocksPlus.com and its contents as well as the re-distribution of its subscriber e-mails and/or newsletters via the Internet or otherwise, and accepts no liability whatsoever for the actions of third parties or other parties in this respect. Any violators will be liable for all costs or other losses incurred by PremiumStocksPlus.com arising from any complaint, claims or actions arising directly or indirectly from such distribution. RESTRICTION ON USE/LIMITED LICENSE PremiumStocksPlus.com grants the User a limited, non-exclusive, non-transferable license to use, display on your computer, download and print short extracts of the Information presented on any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com for your own personal and non-commercial purposes only, provided that: The User does not modify any of the Information presented and provided on the Website. The User may not download any of the Information presented and provided on the Website for use in third party programs. All copyright and other proprietary notices are retained and remain displayed. The User abides by these Terms of Use. No other use of the System or Information provided on the Website is permitted. Without limiting the generality of the foregoing, the User may not: Copy, distribute, transmit, display, perform, reproduce, publish, license, sublicense, create derivative works from, transfer or sell any of the System or Information presented and provided on the Website. Use any of the System or Information presented and provided on any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com for any commercial purpose, or for any public display (commercial or non-commercial). Include any of the System or Information presented and provided on any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com or reference thereto in or with any information, product or service that the User creates, distributes or provides. Copy or transfer any of the System or Information presented and provided on the Website onto your own web site or any other web site or server. Nothing contained herein shall be construed as conferring any right in any copyright of PremiumStocksPlus.com the content Providers or of any other third party who owns the copyright in any of the System or Information provided on any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com. PremiumStocksPlus.com retains the right to terminate at any time and without cause, subscription or access to its services, Website, System or Information. TRADEMARKS PremiumStocksPlus.com and their logos are trademarks of PremiumStocksPlus.com. Certain words, phrases, names, designs or logos used on the Website may constitute trademarks, service marks, or trade names of PremiumStocksPlus.com the content Providers or other third parties. The display of any such marks or names on the Website does not imply that a license or other right has been granted to the User by PremiumStocksPlus.com the content Providers, or other third parties. NO FINANCIAL ADVICE The Information, Forms and other resources available on or through this Website and received from or through this Website such as e-mails and/or newsletters are provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The Information contained in or provided from or through this Website is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The Information on this Website and provided from or through this Website in the form of e-mails and/or newsletters is general in nature and is not specific to you the User or anyone else. YOU SHOULD NOT MAKE ANY DECISION, FINANCIAL, INVESTMENTS, TRADING OR OTHERWISE, BASED ON ANY OF THE INFORMATION PRESENTED ON OR DELIVERED BY ANY OF THE PRODUCTS, SERVICES, INTERNET WEB SITES WITHOUT UNDERTAKING INDEPENDENT DUE DILIGENCE AND CONSULTATION WITH A PROFESSIONAL BROKER OR COMPETENT FINANCIAL ADVISOR. You agree that any and all use of the Information and Website which you make, is solely at your own risk and without any recourse whatsoever to PremiumStocksPlus.com its associates, subsidiaries, partners or content Providers. You understand that you are using any and all Information, Forms and other resources available on or through this Website and received from or through this Website such as e-mails and/or newsletters AT YOUR OWN RISK. PremiumStocksPlus.com makes no representations or warrantees, expressed or implied, as to the accuracy, completeness, or fitness for any purpose or use of the Information presented on the Website or made available from any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com. The Information may not in all cases be current and it is subject to continuous change. Accordingly, you should not rely on any of the Information as authoritative or substitute for the exercise of your own skill and judgment in making any investment or other decision. PremiumStocksPlus.com does not warrant that the supply of Information will be uninterrupted, error free or not terminated altogether, and will not be liable for any direct, indirect, or consequential loss arising from any use of or reliance on the Information and its availability. The Information does not constitute or form part of an offer, subscription, recommendation or solicitation to buy or sell any securities, commodities, financial objects, futures, options, stocks or other investment vehicles, in any amount or at all or to take up any services, nor should it be relied on in connection with any contract or commitment whatsoever. YOU ABSOLUTELY MUST MAKE YOUR OWN DECISION BEFORE ACTING ON ANY INFORMATION OBTAINED FROM THIS WEBSITE. PAST PERFORMANCE IS NOT NECESSARY AN INDICATION OF FUTURE PERFORMANCE. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Further, since the trades have not actually been executed, the results may have under-compensated or overcompensated for the impact, if any, of certain market factors, such as lack of liquidity. PremiumStocksPlus.com does not warrant that trading methods or systems presented in its services or the Information available on or from its Website and received from or through this Website such as e-mails and/or newsletters will result in either profits or losses. Analyst research available through this Website does not constitute a recommendation or a solicitation by PremiumStocksPlus.com nor is it a recommendation or solicitation that any particular investor should purchase or sell any particular securities, commodities, financial objects, futures, options, stocks or other investment vehicles, in any amount or at all. PremiumStocksPlus.com and its employees and/or representatives are not and do not represent themselves as being investment advisors or investment managers, and do not make representations relating to the use of the Information on this Website. PremiumStocksPlus.com does not warrant or make any representations regarding the use or the results of the use of the Information and materials on this Website in terms of their correctness, accuracy, reliability, profitability, or otherwise. The information and commentaries are not meant to be endorsements or offerings of any securities, commodities, financial objects, futures, options, stocks or other investment vehicles. As well, they are not meant to be guides to investment. PremiumStocksPlus.com its employees and representatives are in no way liable for the use of the Information by others in investing or trading in investment vehicles. RISK STATEMENT: The trading of stocks, futures, commodities, index futures or any other securities has potential rewards, and it also has potential risks involved. Trading may not be suitable for all users of this Website. Anyone wishing to invest should seek his or her own independent financial or professional advice. AUTO-TRADING AND SIGNALS Signals and email-alert services of PremiumStocksPlus.com are not intended to be and do not constitute financial advice, investment advice, trading advice or any other advice or trading service whatsoever. YOU SHOULD NOT MAKE ANY DECISION, FINANCIAL, INVESTMENTS, TRADING OR OTHERWISE, BASED ON ANY OF THE INFORMATION PRESENTED ON OR DELIVERED BY ANY OF THE PRODUCTS or SERVICES OF PremiumStocksPlus.com. You agree to hold PremiumStocksPlus.com harmless for any losses whatsoever that you may incur. Should you base any trading decision on our signals, email- alerts or any other information from PremiumStocksPlus.com you acknowledge that you were informed of and you agree as follows: All the information you receive from PremiumStocksPlus.com is provided for education and informational purposes only, You are solely responsible for interpreting the information provided by PremiumStocksPlus.com. You are solely responsible for making all your trading, your order timing and your execution decisions. You use information from PremiumStocksPlus.com for such investment and trading decisions at your own risk. PremiumStocksPlus.com is not liable for any losses you may incur, nor it it responsible for any lost or winning trades regardless of investment vehicles or trades. Should you base any trading decision on PremiumStocksPlus.com signals, email- alerts or any other information from PremiumStocksPlus.com you acknowledge that you were informed of and you agree as follows: The information provided by PremiumStocksPlus.com " Is not provided for auto-trading purposes and is not intended to be used for auto-trading purposes. " PremiumStocksPlus.com does not provide brokers or brokerage companies, or individuals with any financial advice, investment advice, trading advice or any other advice or trading service, personal or otherwise. " PremiumStocksPlus.com is not responsible for how your broker or brokerage house(s) interpret our information and nor how your order(s) might or might not be executed, nor is PremiumStocksPlus.com responsible for the timing of the execution of any of your order(s). " PremiumStocksPlus.com is not familiar with any individual subscriber's or trader's financial situation or investment portfolio or trading practices. " PremiumStocksPlus.com is not liable for any order(s) regardless of type of order, nor how your trades are executed, at what time your orders are filled, or at what price order are filled or any actions or decisions on your part or on the part of your brokers. " You agree that you are solely responsible for making all your trading decisions and are responsible for the type of auto-trading arrangement you have with your broker. " You agree that PremiumStocksPlus.com is not liable for any of your losses incurred whatsoever resulting from any trades executed by you or on your behalf through auto-traded trades in the markets or any otherwise executed trades you might make. NO WARRANTIES PremiumStocksPlus.com does not guarantee or warrant the quality, accuracy, completeness, timeliness, appropriateness or suitability of the Information on the Website or of any product or services referenced on the Website. PremiumStocksPlus.com assumes no obligation to update the Information or advice regarding further developments concerning topics mentioned. The Website and the Information may be changed from time to time without notice. The Website may be unavailable from time to time or permanently for any reason whatsoever including but not limited to any maintenance interruption, telecommunications interruption or failure, hardware interruption or failure, software interruption or failure, business interruption or discontinuance, or any other interruptions, discontinuances or failures whatsoever. PremiumStocksPlus.com is providing this Website and the Information on an "as is" basis and makes no representations or warranties of any kind whatsoever with respect to the System, the Website or the Information or with respect to the use or suitability of the System, the Website or the Information for any purpose. The Information may contain inaccuracies, typographical errors or other errors. PremiumStocksPlus.com disclaims all warranties, representations and conditions regarding the System, the Website and the Information, including, without limiting the generality of the foregoing, all implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, freedom from libelous or privacy-invasive content, freedom from infections of viruses, and availability, whether expressed or implied, or arising from a course of dealing, usage, or trade practice. THERE IS NO WARRANTY OF MERCHANTABILITY, NO WARRANTY OF FITNESS FOR A PARTICULAR USE, AND NO WARRANTY OF NON-INFRINGEMENT. THERE IS NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE INFORMATION ON THIS WEBSITE OR RECEIVED FROM THIS WEBSITE. DISCLAIMER OF LIABILITY PremiumStocksPlus.com, its associates and subsidiaries, its employees, directors, agents, the content Providers and any other parties involved in the creation, production or delivery of the System, the Information and the Website disclaim any responsibility and shall not, in any event, be liable for any damages, claims, liabilities, costs or obligations including any direct, indirect, punitive, special, incidental or consequential damages, including without limitation, loss of use, loss of data, loss of business profits, loss of opportunity, business interruption, personal injury, or any other pecuniary loss (collectively the "Damages") whatsoever and howsoever caused to the User or suffered by the User, arising out of or in connection with the use or misuse of the Website or the Information or with any delay or inability by the User to use the Website or the Information, whether any such Damages arise in contract, tort, strict liability, negligence, equity or statute law or by way of any other legal theory, even if PremiumStocksPlus.com has been advised of the possibility of damages. PremiumStocksPlus.com disclaims any liability for unauthorized use or reproduction of any portion of the System, the Information or the Website. PRICING PremiumStocksPlus.com reserves the right to change prices of it's products and services without notice. From time to time PremiumStocksPlus.com will also hold promotions that may include price reductions on membership fees. Such price reductions will only be applicable to Users who sign up for membership during the time that such promotions are made available. Users who sign up before or after such promotions are not and will not be entitled to such promotional pricing. THIRD PARTY PRODUCTS AND SERVICES Third party products and services may from time to time be delivered through PremiumStocksPlus.com web site to subscribers who have requested and signed up for and access such Third party products, services and information through PremiumStocksPlus.com's web site but who may or may not be PremiumStocksPlus.com. Users and subscribers. It is agreed and understood that such Third party products, services and information are produced and owned by those Third parties, and are not produced, owned or provided by PremiumStocksPlus.com and PremiumStocksPlus.com disclaims any responsibility for them nor does PremiumStocksPlus.com influence such Third parties or their products, services or information provided to users and subscribers. PremiumStocksPlus.com makes no representations or warrantees whatsoever, expressed or implied, as to the accuracy, completeness, timeliness, appropriateness, suitability or fitness for any purpose or use of such Third party products, services and information, methods for payment, customer and technical support or web presence or any of their presentations or representations. The User agrees that PremiumStocksPlus.com shall not be liable for such Third parties, their conduct or their products, services and information, and shall not be liable in any way for the use of such products, services and information by Users and subscribers, and the User holds PremiumStocksPlus.com harmless in any dispute or claim whatsoever that the Users and subscriber may have related to such Third party, or such Third party's products, services and information. Third party products and services are regulated by this PremiumStocksPlus.com Terms and Conditions Agreement and may be additionally regulated by the terms and conditions agreements of such Third parties or other policies governing their products, services and information. It is a User's responsibility to read and be informed about the "terms and Conditions" and any other policies of such Third party products, services and information. Any questions related to such Third party products, services and information should be directed to the particular Third party. Third party products, services and information have no influence on PremiumStocksPlus.com products or services including but not limited to its information, membership, product rates and prices. LINKS This Website or any of the products, services, internet web sites owned and operated by PremiumStocksPlus.com may contain links to other Internet sites. Such links are provided for reference only and were independently developed by parties other than PremiumStocksPlus.com. PremiumStocksPlus.com is not responsible for the contents of any such linked sites and does not assume any responsibility for the accuracy or appropriateness of the information contained at such sites. The inclusion of any link does not imply endorsement by PremiumStocksPlus.com. Use of any such linked site is at the user's own risk. NO ENDORSEMENT Reference to any third party information, product, process, or services at this Website or any linked site is not an expressed or implied endorsement by PremiumStocksPlus.com. SUBSCRIPTION BASED CONTENT Some contents and/or services on this Website or any of the products, services, internet web sites owned and operated by PremiumStocksPlus.com may be offered to you, the User, conditioned on your payment of subscription fees. If you elect to purchase subscription-based content/services and transmit to PremiumStocksPlus.com a subscription purchase request, you warrant that all information that you submit is true and accurate (including without limitation your credit card number and expiration date), and you agree to pay all subscription fees you incur. You agree that these Terms of Use will apply to your subscription. You also agree to be bound by any additional terms of use, conditions and disclaimers that may be required by PremiumStocksPlus.com or any content Providers from time to time. This Website or any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com may be temporarily unavailable from time to time due to required maintenance, telecommunications interruptions, or other disruptions. Although PremiumStocksPlus.com makes every reasonable effort to minimize such downtime, PremiumStocksPlus.com does not guarantee 100 percent availability of the Website. WHEN YOU SUBSCRIBE TO ANY PremiumStocksPlus.com PRODUCTS OR SERVICES: We are not financial analysts, investment brokers or financial advisors. We expect you, the User, to know your own investment goals and to understand that a possession of fundamental trading abilities, or a desire to procure those abilities should prerequisite your signing up. All subsidiary websites of PremiumStocksPlus.com, shall under no circumstances be liable to any visitor, user, and/or any third party for any lost profits, lost opportunities, indirect, special, incident, consequential, punitive, or any other damages whatsoever. We assume no responsibility or liability for any inaccuracies, misstatements, errors, fabrications, contained within documents, data, materials, website pages, contained here within and associated pages, either through error or negligence. You, the User, agree to hold PremiumStocksPlus.com harmless for any act resulting directly or indirectly from this Website or any of the products, services, internet web sites owned and operated by PremiumStocksPlus.com, its data, content, materials, associated pages and documents. Your subscription is personal to you, the User, and the members of your household, and you may not transfer or make available your account name and password to others, including without limitation your co-workers. Any distribution by you of your account name and password may result in cancellation of your subscription without refund and additional charges based on unauthorized use. Subscriber must promptly inform PremiumStocksPlus.com of the following: Changes in the expiration date of any credit card used in connection with the service; changes in home or billing address; and apparent breaches of security, such as loss, theft, or unauthorized disclosure or use of an email and password. Until we are notified, by e-mail of a breach in security, the Subscriber will remain liable for any unauthorized use of the service. PAYMENT All payments made to PremiumStocksPlus.com are made through a third party service. PremiumStocksPlus.com is not liable for any monies lost during the transaction process, non-payment issues or not declination of any credit card. PremiumStocksPlus.com does not collect or store any credit card information and cannot be liable for any lost or stolen credit card numbers. Your name and email address will be made available to all parties to the sale, as required, to complete payment. All charges will appear as " PremiumStocksPlus.com" on your credit card statement. Any promotion, promotional rates, and any promotional offers expire as soon as a subscriber's account is deactivated as a result of nonpayment, declined payment, cancellation of service, or any other reason. AUTOMATIC RENEWAL POLICY Payment for the appropriate services will be made by automatic credit card debit. SUBSCRIBERS WILL BE AUTOMATICALLY RENEWED FOR THE ORIGINAL TERM UPON EXPIRATION, unless Highlight Investments Inc. is notified via email (admin@premiumstocksplus.com) 5 days prior to membership renewal date. Unless, and until this agreement is cancelled by email, Subscriber hereby authorizes PremiumStocksPlus.com to charge Subscriber's credit card to pay for the ongoing cost of membership. CANCELLATION POLICY Subscribers may, at any time and without cause, terminate their subscription to our services. If you, the User, wish to cancel your subscription for any reason, there are no refunds. PremiumStocksPlus.com has the right to terminate at any time, and without cause, subscription or access to our services. HIGH SPEED INTERNET NEEDED In order to view the videos in the members section, you agree that you are responsible for supplying your own high speed internet connection and a computer with sufficient capabilities to view any videos found on PremiumStocksPlus.com or in Your Money Saving Coach. NO REFUNDS will be issued for reactivated, transferred or upgraded accounts. REGULAR AND PROMOTIONAL PRICES Under regular prices we understand the prices for the product without any discount. Under promotional prices we understand an event when the product price is reduced. PremiumStocksPlus.com reserves the right to change regular and promotional prices of it's products and services. Any promotional prices are valid only in the time scope defined by promotion and are not valid after the promotion is ended and cannot be used before the promotion starts. If a user did not use a promotional price during the period of time defined by promotion and signed up for a service at regular rates a user is not entitled for a promotion and PremiumStocksPlus.com is not obligated to resign up or recalculate his payment at promotional rates. If a user entitled for a promotional upgrade a user cannot receive a refund/credit as a difference between regular and promotional price for the period a user used the product prior the upgrade. Promotional prices apply only to online subscriptions. PremiumStocksPlus.com reserves the right to adjust payments received by mail through check or money order using promotional price rates, and such payments will be adjusted in accordance to regular prices as published at the time the check or money order was received. E-MAIL SERVICE Some of our services involve the sending of emails to our subscribers. We provide email alerts as a free service, complimentary to the services offered on our websites. Our customers retain full responsibility for submitting a valid email address in order to receive any of our email services. We assume no responsibility or liability for undelivered, damaged, or late emails, whatever the reason it may be. Our email services are designed for educational purposes only! They should not be construed as trading advice of any kind. CUSTOMER SERVICE PremiumStocksPlus.com does not offer full customer support to non-paying members. When requesting customer support, we ask that our subscribers provide us with the following: Their username, the name of the purchased product, the exact email address that was submitted at the time the product was purchased. Should a subscriber refuse to provide the above information, PremiumStocksPlus.com reserves the right to decline any product upgrades or downgrades, the termination of services, the purchase of other products, or the provision of customer support. PremiumStocksPlus.com's customer support requires 48 hours (two business days) to respond to enquiries. PremiumStocksPlus.com will not respond to any threatening, insulting, or in any other way damaging emails. In cases where threatening, insulting, or in any other way detrimental emails are sent to our servers on a regular basis, PremiumStocksPlus.com reserves the right to block a customer's email address. PremiumStocksPlus.com is not responsible for any email that does not reach our support staff, whatever the reason may be. PremiumStocksPlus.com immediately deletes emails that are suspected to contain viruses or pose any other security threat. Email replies provided by PremiumStocksPlus.com in response to customer enquiries cannot be used as legal documents or contracts; email replies are provided for educational purposes only. For as long as it is kept in Company databases or archives, any correspondence sent to PremiumStocksPlus.com becomes the sole property of the Company. THIRD PARTY PRODUCTS AND SERVICES Third party services and products may be delivered to a user through PremiumStocksPlus.com. Under third party product or service we understand the the products or services delivered and owned to a user by third company (not PremiumStocksPlus.com), independent group of people or independent individual/contractor that use PremiumStocksPlus.com information and technology including but not limited by web, hosting, payment system, customer and technical support. The "third party product or services" are not considered as products of PremiumStocksPlus.com and the PremiumStocksPlus.com disclaim any responsibility and shall not, in any event, be liable for any third party products and services delivered through the PremiumStocksPlus.com. The third party products and services are regulated by the current "Terms and Conditions" of PremiumStocksPlus.com and may be additionally regulated by the "Term and Conditions" of the of the third party product and services if the one is presented on the site or referred to in any other third party information. The third party products and services are additionally regulated by the legal agreement between PremiumStocksPlus.com and third party company, independent group of people or independent individual/contractor. The PremiumStocksPlus.com has not influence on the "third party products or services" including but not limited by information, membership, product rates and prices. The "third party products or services" has not influence on the PremiumStocksPlus.com products or services including but not limited by information, membership, product rates and prices. NO SOLICITATION No part of this Website shall be taken to constitute an offer or solicitation to buy or sell products or services. Some products or services mentioned on this Website may only be available in certain areas or jurisdictions. Any products or services mentioned on this Website are made available in accordance with local laws and only where they may be lawfully offered for sale. CONFIDENTIALITY WARNING Absent the use of encryption, the Internet is not a secured medium and privacy cannot be ensured. Internet email is vulnerable to interception and forging. PremiumStocksPlus.com will not be responsible for any damages you or any third party may suffer as a result of the transmission of confidential information that you may make to any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com, through the Internet, or that you expressly or implicitly authorize PremiumStocksPlus.com to make, or for any errors or any changes made to any transmitted information. COMPUTER VIRUSES While efforts are made to ensure that the Information provided at this Website does not contain computer viruses, you, the User, should take reasonable and appropriate precautions to scan for computer viruses, and you, the User, should ensure that you have a complete and current back up of the applicable items of information contained on your computer system. CONFORMANCE WITH LAW You, the User, agree that your use of this Website or any of the products, services, internet web sites owned and operated by PremiumStocksPlus.com will not violate any applicable local, national ,or international law, including - but not limited to - any regulations having the force of law. Some jurisdictions may have restrictions on the use of the Internet by their residents. You, the User, agree not to impersonate any person in your use of the any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com. or the sending any email to an address listed on the Website. SEVERABILITY If any provision of these Terms of Use is determined to be invalid or unenforceable, the provision will be enforced to the maximum extent permissible and the remaining provisions of these Terms of Use will still be valid. GOVERNING LAW The local laws applicable therein will govern as to the interpretation, validity and effect of these Terms of Use and as to any dispute or claim based on your use of the Website or the Information, notwithstanding any conflict of laws provisions of your domicile, residence or physical location. IF YOU DO NOT AGREE TO BE BOUND BY THE ABOVE TERMS OF USE YOU SHOULD IMMEDIATELY DISCONTINUE ANY USE OF ANY PRODUCTS, SERVICES, CHARTS, RESEARCH RESULTS, INTERNET WEB SITES AND WEB PAGES OWNED AND OPERATED BY PremiumStocksPlus.com. IF YOU DO NOT AGREE TO BE BOUND BY THE ABOVE TERMS OF USE YOU SHOULD IMMEDIATELY DISCONTINUE ANY USE OF ANY PRODUCTS, SERVICES, CHARTS, RESEARCH RESULTS, INTERNET WEB PremiumStocksPlus.com, Copyright 2008 - All rights reserved - PremiumStocksPlus.com. DISCLAIMER An annual subscription will cost $47 under the current offer. Investing in a membership under this offer or any other offered price will allow you grandfathered privilages for renewing your annual membership at the same rate. Unless you cancel before the end of that year, your subscription will automatically renew for another year at the then-current subscription price. Offer applies only to new PremiumStocksPlus subscribers, and is subject to change at any time. Void where prohibited. Important Risk Disclosure: PremiumStocksPlus team are stock researchers with extensive trading and stock analysis experience. PremiumStocksPlus.com contains the authors' own opinions, and none of the information contained therein constitutes a recommendation that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific person. You further understand that PremiumStocksPlus will not advise you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent any of the information contained in PremiumStocksPlus.com may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. Investing in the stocks chosen by PremiumStocksPlus.com is risky and speculative. The companies may have limited operating histories and little available public information, and the stocks they issue may be volatile and illiquid. Trading in such securities can result in immediate and substantial losses of the capital invested. You should use only risk capital, and not capital required for other purposes, such as retirement savings, student loans, mortgages or education. PremiumStocksPlus portfolio is a model portfolio of stocks chosen by the authors in accordance with their stated investment strategy. Your actual results may differ from results reported for the model portfolio for many reasons, including, without limitation: (i) performance results for the model portfolio do not reflect actual trading commissions that you may incur; (ii) performance results for the model portfolio do not account for the impact, if any, of certain market factors, such as lack of liquidity, that may affect your results; (iii) the stocks chosen for the model portfolio may be volatile, and although the "purchase" or "sale" of a security in the model portfolio will not be effected in the model portfolio until confirmation that the email alert has been sent to all subscribers, delivery delays and other factors may cause the price you obtain to differ substantially from the price at the time the alert was sent; and (iv) the prices of stocks in the model portfolio at the point in time you begin subscribing to PremiumStocksPlus.com may be higher than such prices at the time such stocks were chosen for inclusion in the model portfolio. Past results are not necessarily indicative of future performance. The trading of stocks, futures, commodities, index futures or any other securities has potential rewards, and it also has potential risks involved. Trading may not be suitable for all users of this Website. Anyone wishing to invest should seek his or her own independent financial or professional advice. We reserve the right to send you important e-mail notices. You agree to receiving e-mail notices from PremiumStocksPlus pertaining to your personal membership account information, personal credit card information, any special offers we may have from time to time and also for PremiumStocksPlus membership account expiration. We will notify you before your membership expires and also to update your credit card information if necessary. I agree not to forward, send, sell, rent, copyright, reproduce, duplicate or use any of the information from any of PremiumStocksPlus or Your Money Saving Coach program, this web site PremiumStocksPlus.com, its web pages or e-mails I received for the benefit of profiting money. I agree to accept any information I read or receive from PremiumStocksPlus.com, its web pages or Your Money Saving Coach program to be solely for entertainment purposes. I agree not to file suit or any take judicial action towards PremiumStocksPlus or any of its owners for any outcome from me or my decisions for acting on or taking action on any financial information offered from this web site PremiumStocksPlus.com or from Your Money Saving Coach program and I do not hold PremiumStocksPlus or any of its owners liable for any outcome from me acting on or taking action on any financial information offered from this web site PremiumStocksPlus.com or from Your Money Saving Coach program. I accept full responsibilities for my own actions as a result of acting on the information I receive from this web site PremiumStocksPlus.com or from Your Money Saving Coach program. I completely understand this web site PremiumstocksPlus.com and the information it or Your Money Saving Coach service offers and I agree that any price I pay for a membership to PremiumStocksPlus.com or for Your Money Saving Coach program are final and I will not seek a refund once I offer a payment either by credit card, cash, money order or by check. I agree to pay for the full amount of the program at the time service was rendered. I agree not to send or forward any other link or note to my friends other than notes written by PremiumStocksPlus or its owners that are designated solely for the purpose of forwarding to my friends and for marketing PremiumStocksPlus, its web pages or Your Money Saving Coach program. I agree not to defame or use derogatory words towards or about PremiumStocksPlus.com, its web site, Your Money Saving Coach program or any of its owners in any way, written or verbal. I understand that Your Money Saving Coach program started on August 1, 2008 and will end on August 1, 2009. I understand that I will have access to any of the previous Money Saving Coach lessons offered and it will be up to me to read the previous coaching lessons from the web site. I understand that by registering for Your Money Saving Coach program within the dates of August 1, 2008 and August 1, 2009 will allow me to receive the downloadable e-book copy of Your Money Saving Coach program for the entire year. SPAM RULES AND REGULATIONS I agree to abide by any and all world wide Universal Internet spam rules, laws, policies and regulations with any information from PremiumStocksPlus.com, its web pages and its financial coaching program. We reserve the right to change or update this agreement at any time. You agree to have your PremiumStocksPlus annual membership automatically renewed at the end of your annual membership period. If you wish to discontinue your membership with PremiumStocksPlus.com, you may cancel your membership from your personal account page by logging into PremiumStocksPlus with your ID and Password. In the event of an unforeseen tragedy, that would keep Your Money Saving Coach program, PremiumStocksPlus.com web site or business from operating and offering you continuous helpful information, you agree not to seek a refund or any compensation, monetary or not monetary if this web site or business stopped operating at, on or during any time after you agree to this agreement. This stipulation is not designed to steal your money or to take advantage of you in any way. This stipulation is designed to protect my wife and my assets in the event of an unforeseen tragedy that would keep me from operating the business. This is the real world and tragedies happen every day. Let’s hope nothing happens and I don’t think it will since I’ve been around for 47 years already. Hopefully you will have received enough valuable information up front in the case of a tragic event happening. Thank you for your patience and understanding with this stipulation. You agree that all transaction are final and that there is no money back guarantee. You agree to allow your credit card to be charged the going rate of $47 for the annual membership to PremiumStocksPlus.com and Your Money Saving Coach and not to seek refunds or charge backs from your credit card company after the transaction was processed. All sales are final. If you register for this program and agree to this agreement any time or date after Your Money Saving Coach program has started, you agree that the previous coaching information listed on the web site, and on the date Your Money Saving Coach program started, was the actual one year start date of the program. In other words, if the program starts on August 1, 2008 and you register on January 1, 2009, you agree that your start date for Your Money Saving Coach program is on August 1, 2008 and not on the day you register. You agree that the program runs for one full year from the date it started. have read and accept the terms and conditions above.

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