TERMS AND CONDITIONS

1. Scope of Agreement: Under this Agreement ("Agreement"), Conklin and Company LLC®, doing business as StocksforIndividuals.com®, furnishes on-line financial information and services (the "Service") to registered subscribers or authorized users ("you", "your" or "subscriber"). By selecting "I ACCEPT" when registering or if you use the Service, you agree to be bound by this Agreement. The term "use" means the use and availability of, access to, transmission to or from or any exchange of information or communication in connection with or arising from the Service.

Whenever new products or services become available, your use of them will be under this Agreement unless we notify you otherwise. You must comply with any additional terms that apply to third-party content, software or other services. We may change this Agreement at any time, as we desire. When the terms are changed, notice of the change(s) will be posted on our website or sent to you via electronic mail. Additionally, the new version of the Agreement will be posted on our web site for your review. By continuing to use the Service, you agree to be bound by the changes in the new version of the Agreement. If any change is not acceptable, you may terminate your subscription as described below.

2. Scope of Service: The trading of securities may not be suitable for all potential users of the Service. You should be aware of the risks inherent in the stock market. Past performance does not guarantee or imply future success. You cannot assume that profits or gains will be realized. You assume the entire cost and risk of any investing and/or trading you choose to undertake.

All contents of the Service are provided for information purposes. You agree that the Service should not be interpreted as an offer to buy or sell any security. Conklin and Company LLC® is not a registered broker-dealer, or financial advisor. The Service provides, through the StocksforIndividuals.comâ web site certain information related to companies whose securities are publicly traded, and certain articles, explanatory text, and product information. Your use of the information provided by the Service is entirely at your own risk and it is your sole responsibility to evaluate the accuracy, completeness and usefulness of all the provided information. In no event will Conklin and Company LLC® be liable for any direct, indirect, consequential, or incidental damages arising out of any decision made or action taken by you in reliance on the Service, whether or not caused in whole or part by Conklin and Company LLC®.

All information provided by the Service is obtained from sources believed to be accurate and reliable. However, due to the number of sources from which information on the Service is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions, or inaccuracies in such information. We do not warrant the accuracy, completeness, timeliness, merchantability, or fitness for a particular purpose of the information available through the service.

No company listed has paid a fee, or otherwise compensated us for their appearance or coverage as a selection in the weekly update, however, employees of or persons associated with Conklin and Company LLC® will likely hold financial positions in securities recommended by the Service. Their buying or selling of a specific security will not determine present or future recommendations by the Service regarding that or any other security.

3. Subscription Information: When you register, you will receive a user name and password that we may assign or allow you to select.

All subscriptions are automatically renewed at the end of the their initial term. It is each subscriber's responsibility to cancel prior to the renewal date if the subscription is to be terminated. Note that there are no refunds for subscriptions.

4.  Copyright and Limitations on Use: The Service is the property of Conklin and Company LLC® and may only be displayed, formatted and printed for your personal, non-commercial use. You agree not to reproduce, distribute, sell, publish, broadcast, or circulate any information, charts, or drawings received through the Service to anyone without our prior written consent. You may not post any content from the Service to news groups, mail lists or electronic bulletin boards, without our prior written consent. Copying and/or electronic transmission of any content of the Service is a violation of copyright law.

You also agree that you will not give out log-ins and/or passwords to other users. We reserve the right to cancel any subscription, without refund, if we discover that more than one person is using a subscription account, or if a log-in/password is given to another person.

5. Failure to Access Service: You agree that we are not responsible for your inability to log-on to the Service, either because of poor Internet connections, incorrect typing of log-ins or passwords, and/or browser incompatibility. We will make every effort to ensure that our servers remain operational with adequate performance and response time. However, there may be times when our servers are down or response time is slow due to power outages, network problems, regular maintenance, or high traffic volumes. You agree that neither we, nor our suppliers, are responsible or liable, for any loss or damage caused by your inability to use or access the Service, whether or not caused by Conklin and Company LLC®.

6.  Links: This website may provide links to other websites. These links are provided for convenience and informational purposes only, and not for purposes of making any endorsement or recommendation. You should be aware that when you select a link on the website, you may be leaving the website. The information available on other websites may have certain restrictions on its use or distribution. Users should make themselves aware of such restrictions. Conklin and Company LLC® is not responsible for, nor has it developed or reviewed, the content of those sites, and does not make any warranty, express or implied, as to the accuracy, usefulness or timeliness of such information.

7.  Governing Law: This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision of this Agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This Agreement shall be deemed to have been made in the State of Vermont, and shall be governed by the laws of the State of Vermont, exclusive of its rules governing choice of law and conflict of laws.