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1. I understand and agree that: this is an information service distributed by Online Investment Services, LP. and Winning Investments, LP. I have read and agree to the Disclaimer provided on the web site which is hereby incorporated by reference. I agree that Online Investment Services, LP., and Winning Investments, LP., and the applicable editors' companies: David Moenning writing for Ridge Publishing Co. Inc.; and Bill Kraft writing for CutLoss, Inc. and Makin' Hay, Inc. (collectively, these entities referred to herein as "The Companies") provide various services, including those to which I am currently subscribing. I agree that The Companies do not provide recommendations to buy or sell stocks, stock options, or any other security or investment; that The Companies (with the exception of Mr. Moenning) are not comprised of stock brokers or investment advisors. All stocks and stock options listed in emails or on a related website(s) are for informational and evaluative purposes only; and The Companies reserve the right to change, alter or modify the information being presented at any time for any reason.

2. I understand that the information provided is believed by The Companies to be accurate, however, I also understand and agree that The Companies do not warrant the accuracy nor do The Companies make any claims or guarantees to its accuracy. I understand the risks of trading in the stock and options markets. I understand and agree that the information should only be used as a research tool and that I should always discuss and/or review my trading strategies with my stock broker or other professional. I understand and agree that I am being granted a non-exclusive, non-transferable limited license that may be revoked at any time. I understand that significant losses can occur when I enter the stock market. I understand that Companies are not Financial Analysts, Investment Brokers or Financial Advisors.

3. The Companies shall not be responsible or subject to liability for the truth, accuracy, or otherwise for the information provided in the service or for errors, mistakes, or omissions therein or for any delays or interruptions of the service from or for whatever cause. I agree to indemnify, release, defend, and hold harmless The Companies, its members, employees, agents, representatives, affiliates, subsidiaries, successors and assigns (collectively, the "The Companies Indemnitees") from and against any and all claims, liabilities, losses, causes of actions, costs, lost profits, lost opportunities, indirect, special, incident, consequential, punitive, or any other damages whatsoever and expenses (including, without limitation, court costs and attorneys' fees) ("Losses") asserted against, resulting from, imposed upon or incurred by any of the The Companies Indemnitees as a result of, or arising out of this agreement and/or your use of the service. I further agree that in no event shall The Companies ever be liable for Losses or otherwise to me for an amount more than my paid subscription fees, and I hereby agree to such liability cap. This Terms of Access agreement shall be governed by and construed in accordance with the laws of the State of Texas, except provisions of that law referring governance or construction to the laws of another jurisdiction. Any action arising out of this agreement or the rights and duties of the parties arising out of this agreement may be brought, if at all, only in the courts of the State of Texas for Harris County or the U.S. District Court for the Southern District of Texas and not in any other court and tribunal. I agree this paragraph constitutes a conspicuous legend.

4. I understand that the first 30 days are free!Thereafter, I authorize Online Investment Services, LP. (via InvestBilling.com) to automatically charge my credit card the above stated fee thereafter until this agreement is canceled by either party at any time for any reason by providing the other party notice in writing (for example, by fax, mail or e-mail). The subscription period begins on the day the free trial ends and runs for 30 consecutive days. After the trial period, subscriptions are non-refundable. Notwithstanding anything else herein, the terms of paragraphs 1, 2, and 3 of the Terms of Access shall survive cancellation. In the event the monthly fee is ever increased, Online Investment Services, LP. shall provide at least 30 days prior notice. Online Investment Services, LP. may receive updated credit card account information from the financial institution issuing my credit card. In the event sales, use or other taxes are ever determined to be due, I agree that I am responsible for paying any sales, use or such other taxes that may be imposed at any time whatsoever on this transaction. Local residents agree to pay applicable sales tax..

5. I agree that the information provided is proprietary information and shall be kept secret. It is solely for my use and my immediate family, and shall not be distributed in any manner without the prior written consent of Online Investment Services, LP.

6. The email trade information notices are intended to provide opinions about and analysis of the mentioned stock(s). They are not intended to provide personalized investment advice. DO NOT EMAIL US SEEKING PERSONALIZED INVESTMENT ADVICE, WHICH WE CANNOT PROVIDE. Online Investment Services, LP. is a publisher and neither Online Investment Services, LP, nor any of the editors publishing newsletters and email trade information notices are registered as a securities broker-dealer or an investment adviser either with the U.S. Securities and Exchange Commission or with any state securities regulatory authority. From time to time, the editors may write about stocks in which they have a position. In such cases, appropriate disclosure is made. All statements represent opinions and are provided for informational purposes only, and no mention of a particular security constitutes a recommendation to buy, sell, or hold that or any other security, or that any particular security, portfolio of securities, transaction, investment strategy is suitable for any specific person. You further understand that we 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 provided may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. There is a very high degree of risk involved in trading. Losses can be significant. Past results are not indicative of future returns. You bear responsibility for your own investment research and decisions and should seek the advice of a qualified securities professional before making any investment. By accessing this data and accepting emails from us, you agree to be bound by the Terms and Conditions of service and the Disclaimer as such may be amended from time to time.

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