NewRiver, Inc. ("NewRiver") maintains these Web Accessible Materials as a service to its paying clients with whom NewRiver has entered into a written licensing agreement, and such clients’ customers and potential customers only. No other persons or entities are authorized or permitted to use or access the Web Accessible Materials for any purpose. All use of and access to the Web Accessible Materials of any kind (including, but not limited to, all browsing of, linking to, and downloading of pages and/or documents), shall be subject to these terms and conditions.

Copyright © 2006-2009 NewRiver, Inc. All rights reserved.

The Web Accessible Materials, and the information which it contains, is the property of NewRiver and its affiliates, clients and licensors, and is protected from unauthorized copying and dissemination by United States copyright law, trademark law, international conventions and other intellectual property laws. By way of example only, and not as a limitation, "NEWRIVER", “PROSPECTUS EXPRESS” and the “N” logo are registered service marks of NewRiver under the applicable laws of the United States.

All other names and marks are trademarks or registered trademarks of their respective owners.

No part of the Web Accessible Materials (including but not limited to all URLs relating to the Web Accessible Materials or any portion or page thereof, and all hyperlinks contained in the Web Accessible Materials), and no hyperlink or other mechanism directing any person or user to any portion or page of the Web Accessible Materials (other than to the www.newriver.com home page), may be used, reproduced or transmitted in any form, by any means, electronic or mechanical, except that natural persons that are customers or potential customers of a NewRiver client may view, download one copy, and/or print one copy of individual documents that are available on the Web Accessible Materials solely for personal, individual use in connection with researching a potential securities transaction that such natural person may enter into using the brokerage services, or similar services, of such NewRiver client, subject to the following conditions:

1. The documents may be used solely for the purpose of evaluating a potential securities transaction.

2. The documents may not be modified.

3. Copyright and trademark notices, these terms and conditions or any link thereto, and other proprietary notices may not be removed.

The information in the Web Accessible Materials is provided with the understanding that NewRiver and its clients and other licensors providing such information are not rendering legal, accounting, tax, career or other professional advice or services. As such, information in the Web Accessible Materials should not be relied upon or used as a substitute for consultation with professional advisors.

NewRiver may alter, suspend, or discontinue the Web Accessible Materials at any time for any reason, without notice or cost. The Web Accessible Materials may become unavailable due to maintenance or malfunction of computer equipment or other reasons.

By using the Web Accessible Materials, you agree to indemnify, hold harmless and defend NewRiver from any claims, damages, losses, liabilities, and all costs and expenses, including but not limited to, attorneys' fees, resulting directly or indirectly from a your use of the Web Accessible Materials in violation of these terms.

Nothing contained on the Web Accessible Materials should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Web Accessible Materials or any documents or pages in the Web Accessible Materials, through the use of framing or otherwise, except: (a) as expressly permitted by these terms and conditions; or (b) with the prior written permission of NewRiver.

The information in the Web Accessible Materials is believed to be complete and reliable; however, the information may contain technical inaccuracies or typographical errors.

NewRiver reserves the right to make changes to document names and content or other information without obligation to notify any person of such changes.

You may not use the Web Accessible Materials, and its related services to:

(i) introduce viruses, worms, Trojan horses and/or harmful code on the Internet;

(ii) sell or promote any products or services that are unlawful in the location at which the Content is posted or received; or resell the Web Accessible Materials or any content of the Web Accessible Materials, or resell access to the Web Accessible Materials or to any content of the Web Accessible Materials;

(iii) intentionally or unintentionally violate any applicable local, state, national or international law, including but not limited to any regulations having the force of law while using or accessing the Web Accessible Materials or in connection with your use of the Web Accessible Materials, in any manner;

(iv) invade the privacy, violate any personal right, or infringe or misappropriate any proprietary right (including intellectual property rights) of any person or entity;

(v) access, or provide any third party with access to, the Web Accessible Materials through the use of any robot, spider, scraper or other automated means for any purpose without our express written permission;

(vi) take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our infrastructure;

(vii) copy, reproduce, modify, create derivative works from, distribute, or publicly display any content from the Web Accessible Materials without the prior expressed written permission of NewRiver;

(viii) interfere or attempt to interfere with the proper working of the Web Accessible Materials or any activities conducted in connection with the Web Accessible Materials; or

(ix) bypass or attempt to bypass any measures we may use to prevent or restrict access to the Web Accessible Materials.

In addition to any other remedies that may be available (all of which shall be cumulative), NewRiver may terminate your access to the Web Accessible Materials at any time and for any or no reason, including but not limited to your breach of any provision of these terms and conditions.

Information that NewRiver publishes on the Web Accessible Materials may contain references or cross references to products or services that are not available or approved by the appropriate regulatory authorities in your country. Such references do not imply that NewRiver or its clients intend to announce or make available such products or services to the general public, or in your country. Consult the applicable NewRiver client to determine which products and services may be available to you.

INFORMATION AND DOCUMENTS PROVIDED IN THE WEB ACCESSIBLE MATERIALS ARE PROVIDED "AS IS." SPECIFICALLY, BUT WITHOUT LIMITATION, NEWRIVER DOES NOT WARRANT THAT: (i) THE INFORMATION IN THE WEB ACCESSIBLE MATERIALS IS CORRECT, ACCURATE, RELIABLE OR COMPLETE; (ii) THE FUNCTIONS CONTAINED ON THE WEB ACCESSIBLE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (iii) DEFECTS WILL BE CORRECTED, OR (iv) THE WEB ACCESSIBLE MATERIALS OR THE SERVER(S) THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Materials posted in the Web Accessible Materials are subject to change. NewRiver periodically adds or updates the information and documents in the Web Accessible Materials without notice.

It is the user's responsibility to ascertain whether any information downloaded from the Web Accessible Materials is free of viruses, worms, trojan horses, or other items of a potentially destructive nature.

UNDER NO CIRCUMSTANCES SHALL NEWRIVER BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, MULTIPLE OR OTHER INDIRECT DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE WEB ACCESSIBLE MATERIALS OR THE INFORMATION CONTAINED IN THE WEB ACCESSIBLE MATERIALS, EVEN IF NEWRIVER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL NEWRIVER'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION RESULTING FROM YOUR USE OF THE WEB ACCESSIBLE MATERIALS, WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE, EXCEED THE GREATER OF $100 OR THE AMOUNTS YOU PAID TO NEWRIVER DURING THE MOST RECENT THREE-MONTH PERIOD FOR USING THE WEB ACCESSIBLE MATERIALS.

The Web Accessible Materials may contain links to non-NewRiver web sites. These links are provided to you as a convenience, and NewRiver is not responsible for the content of any linked web site. Any outside web site accessed from the Web Accessible Materials is independent from NewRiver, and NewRiver has no control over the content of that web site. In addition, a link to any non-NewRiver web site does not imply that NewRiver endorses or accepts any responsibility for the content or use of such a web site.

In no event shall any reference to any third party or third party product or service be construed as an approval or endorsement by NewRiver of that third party or of any product or service provided by a third party.

NewRiver makes no representation that information on the Web Accessible Materials are appropriate or available for use outside the United States. Those who choose to access the Web Accessible Materials from outside the United States do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Any information, including but not limited to remarks, suggestions, ideas, graphics, or other submissions, communicated to NewRiver through the Web Accessible Materials is the exclusive property of NewRiver. NewRiver is entitled to use any information submitted for any purpose, without restriction (except as stated in NewRiver's Privacy Policy) or compensation to the person sending the submission. The user acknowledges the originality of any submission communicated to NewRiver and accepts responsibility for its accuracy, appropriateness, and legality.

These terms and conditions are governed and interpreted pursuant to the laws of the Commonwealth of Massachusetts, United States of America, notwithstanding any principles of conflicts of law.

If any part of these terms and conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining provisions. NewRiver may, at its sole discretion and without notice, revise these terms and conditions at any time by updating this posting.

This is the entire Agreement between the parties relating to the subject matter herein and shall not be modified except in writing signed by both parties or by a new posting by NewRiver, as described above.

If you have any questions about the rights and restrictions above, please contact NewRiver's Customer Service Department.