TERMS OF USE

By using this program, you agree to all terms, conditions and notices contained or referenced in these Terms of Use. If you do not agree to these Terms of Use, please do not register with or use this program. We reserve the right, at our discretion, to update or revise these Terms of Use. Please review these Terms of Use periodically for changes. Users continued use of this Site following the posting of any changes to the Terms of Use constitutes acceptance of those changes.

USE OF PROGRAM
This program or any portion of this program may not be reproduced, duplicated, copied, sold, resold, or otherwise exploited for any commercial purpose that is not expressly permitted by GoodFuture. GoodFuture and its affiliates reserve the right to refuse service, terminate accounts and/or cancel orders in its discretion, including, without limitation, if GoodFuture believes that your conduct violates applicable law or is harmful to the interests of GoodFuture. You represent that you are of sufficient legal age to create binding legal obligations for any liability you may incur as a result of your use of this program.

PASSWORDS
Passwords may not be shared. The password assigned to you is for your personal use only. GoodFuture will monitor access to the program periodically to ensure proper use. Unauthorized use will result in immediate cancellation of the password.

SECURITY
You may not use any device, software or routine, including but not limited to any viruses, trojan horses, worms, time bombs or cancelbots, intended to damage or interfere with the proper working of the Web program or any purchase being conducted on our site or to surreptitiously intercept or expropriate any system, data or personal information from the Web program. Any violations of these terms will subject user to immediate termination of their rights under this Terms of Use and or cancel any orders user has made. Further, GoodFuture reserves all rights and remedies available at law or in equity for violation(s) of these Terms of Use.

PROPRIETARY RIGHTS
You acknowledge and agree that all content and materials available on this program are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by the GoodFuture, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content. Notwithstanding the above, you may print one copy of the Web site content for your personal non-commercial use, provided you keep intact all copyright and other proprietary notices. Systematic retrieval of data or other content from this program to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from GoodFuture is prohibited. In addition, use of the content or materials for any purpose not expressly permitted in these Terms of Use is prohibited.

COPYRIGHT
All content included on this program, such as text, graphics, logos, button icons, images, audio clips, and software, is the property of GoodFuture or its content suppliers and protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement, and assembly) of all content on this program is the exclusive property of GoodFuture and protected by U.S. and international copyright laws. All software used on this program is the property of GoodFuture or its software suppliers and protected by U.S. and international copyright laws. The content and software on this program may be used only for the purposes intended by GoodFuture. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the content on this program is strictly prohibited.

TRADEMARK NOTICE
The graphics, logos and service names are trademarks and service marks of GoodFuture which appear on the program may not be used in connection with any product or service that is not GoodFuture's in any manner that is likely to cause confusion among users or customers, or in any manner that disparages or discredits GoodFuture.

GOODFUTURE IS NOT AN INVESTMENT ADVISOR
You understand and agree that GoodFuture is not an investment manager, advisor, plan sponsor, or broker-dealer nor is it affiliated with any investment manager, advisor, plan sponsor, broker-dealer, or consulting firm. The information on this program is intended for educational and informational purposes only. Accordingly, GoodFuture does not offer advice regarding the quality or suitability of any investment and assumes no responsibility or liability for any investment decisions or advice, treatment, or services rendered by any advisor, investment manager, or financial service provider featured on this program. Prior to the execution of a purchase or sale of any security or investment, you are advised to consult with your broker or other financial advisor to verify pricing and other information. Also, GoodFuture makes no claims whatsoever in its program that past investment performance is representative of future investment performance. GoodFuture shall not have any liability for investment decisions based upon, or the results obtained, from the content provided herein.

DISCLAIMER OF WARRANTIES
All materials, information, software, products, and services included in or available through this program (the "content") are provided "as is" and "as available" for your use. The content is provided without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or noninfringement. GoodFuture, its subsidiaries, and its licensors do not warrant that the content is accurate, reliable or correct; that this program will be available at any particular time or location; that any defects or errors will be corrected; or that the content is free of viruses or other harmful components. Your use of this program is solely at your risk. Because some jurisdictions do not permit the exclusion of certain warranties, these exclusions may not apply to you.

LIMITATION OF LIABILITY
Except as otherwise expressly provided on this program in connection with certain services, under no circumstances shall GoodFuture, its subsidiaries, or its licensors be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from the use of, or inability to use, this Site or program. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if GoodFuture has been advised of the possibility of such damage. Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, GoodFuture liability in such jurisdictions shall be limited to the extent permitted by law. If, notwithstanding the above, GoodFuture is found liable for any loss or damage relating to the use of this Site or program, you agree that the liability of GoodFuture shall in no event exceed the fee or charge you have paid GoodFuture in connection with the transaction from which your claim arises.

INDEMNIFICATION
Upon a request by GoodFuture, you agree to defend, indemnify, and hold harmless GoodFuture and its subsidiaries and other affiliated companies, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney's fees, that arise from your use or misuse of this program. GoodFuture reserves the right, at it own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with GoodFuture in asserting any available defenses.

USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS
All comments, feedback, suggestions and ideas disclosed, submitted or offered to GoodFuture or in connection with your use of this Site or program (collectively, "Comments"), shall be and remain the exclusive property of GoodFuture and may be used by GoodFuture in any medium and for any purpose worldwide without obtaining your specific consent.

INTERNATIONAL USE
GoodFuture makes no representation that materials on this program are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this program from other locations do so on their own initiative and are responsible for compliance with local laws.

CHOICE OF LAW AND FORUM
We operate the GoodFuture Web program from our offices within the United States of America. It can be accessed from all 50 states, as well as from other countries around the world. As each of these places has laws that may differ from those of the State of California, USA by accessing the GoodFuture Web program, you agree that these Terms of Use and your use of the GoodFuture Web program shall be governed in all respects by the internal substantive laws of California, USA. GoodFuture makes no representation that materials on the GoodFuture Web program are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws. In the case of a dispute, both parties agree to resolve the case via binding arbitration or mediation. Both parties agree to waive their right to a jury trial for purposes of resolution of a dispute involving these Terms of Use. If GoodFuture prevails at such binding arbitration or mediation, User agrees to pay GoodFuture cost related to the dispute including attorney fees.

SEVERABILITY AND INTEGRATION
Unless otherwise specified herein, these Terms of Use constitute the entire agreement between you and GoodFuture with respect to this program and supersedes all prior or contemporaneous communications and proposals (whether oral, written, or electronic) between you and GoodFuture with respect to this program. If any part of these Terms of Use is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

TERMINATION
GoodFuture reserves the right, in its sole discretion, to terminate your access to all or part of this program, with or without notice.

HOW TO CONTACT US
If you have any questions or comments regarding these Terms of Use or the Site, please contact us at (310) 372-2709 or email. Last update: December 18, 2001