Disclaimer

General Disclaimer

The services described on this web site are intended to be made available only to persons in the United States and the information on this web site is only for such persons. Nothing on this web site will be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. Investment advisory services are provided only pursuant to a written agreement signed by Plante Moran Financial Advisors and the client. Persons outside of the United States may contact us for more information about any service that may be available to them.

No information on this web site should be interpreted to state or imply that past results are an indication of future performance. Securities involve risk, including the possible loss of the principal amount invested.

Information throughout this site, whether stock quotes, charts, articles or any other statements regarding market or other financial information, is obtained from sources which we and the providers of such information believe reliable, however, its accuracy, completeness, or timeliness cannot be guaranteed.

Website Disclaimer

The information at this Site has been provided by PLANTE & MORAN, PLLC and its affiliates (“PLANTE”) for general information purposes. It does not constitute legal, accounting, tax or other professional advice or services and is presented without any representation or warranty as to the accuracy or completeness of the information. Links to information on sites other than those operated by, or on behalf of, PLANTE are for your convenience only and are not an endorsement or recommendation of those sites.

PLANTE, the names of their respective products and services, and all page headers, footers, and icons are trademarks or registered trademarks of PLANTE. All other product names mentioned on this site may be trademarks or registered trademarks of their respective owners and are mentioned for identification purposes only.

While PLANTE has made every attempt to ensure that the information contained at this Site has been obtained from reliable sources, PLANTE is not responsible for any errors or omissions, or for the results obtained from the use of this information. ALL INFORMATION IN THIS SITE IS PROVIDED “AS IS”, WITH NO GUARANTEE OF COMPLETENESS, ACCURACY, TIMELINESS OR OF THE RESULTS OBTAINED FROM THE USE OF THIS INFORMATION, AND WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF PERFORMANCE, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. In no event will PLANTE, or PLANTE’s partners, agents or employees be liable to you or anyone else for any decision made or action taken in reliance on the information in this Site or for any consequential, special or similar damages, even if advised of the possibility of such damages.

WealthLine Disclaimer

WEALTHLINESM MSN MONEY PROFESSIONAL WEB SITE TERMS OF USE AND NOTICES AGREEMENT BETWEEN USER, PLANTE MORAN FINANCIAL ADVISORS LLP AND MICROSOFT CORPORATION

The MSN Money Professional Service is a web service operated by Microsoft Corporation (“Microsoft”) as part of the WealthlineSM service provided to you by Plante & Moran Financial Advisors LLP (“Company”) (collectively, the “Service”). These Terms of Use (“TOU”) constitute a legal agreement between Company, Microsoft and you. For purposes of these TOU, “You”, “you” or “your” refers to any investor client, investment advisor, administrator, interested party, or other parties authorized to access and use the Service. You must accept without modification the terms, conditions, and notices contained in these TOU in order to access and use the Service. If you do not accept these TOU in their entirety, you may not access or use the Service. Unless the Service provides for an alternative method of acceptance, your use of the Service constitutes your agreement to all such terms, conditions, and notices. Additionally, certain features of the Service may contain additional terms, conditions and notices that govern access and use of those features.

The Service is proprietary to Company and Microsoft and is protected by foreign and domestic intellectual property laws. Your access to the Service is licensed and not sold. Subject to the terms and limitations set forth in these TOU, the Company and Microsoft agree to provide you with a personal, non-transferable and non-exclusive license enabling you to access and use the Service.

Portions of the Service may be governed by posted guidelines, rules, or other terms and conditions. In the event of a conflict between such guidelines, rules, and terms and conditions and these TOU, these TOU shall control. However, the Privacy Statement for Company (located through the link(s) provided on the Company site or at the bottom of this page) supercedes any conflicting language in these TOU and/or other guidelines, rules, and terms and conditions published on the Service with respect to the subject matter covered by the Company Privacy Statement.

You agree that from time to time the Service may be inaccessible or inoperable for any reason, including, without limitation: (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs that the Company may undertake from time to time; or (iii) causes beyond the control of the Company or that are not reasonably foreseeable by the Company.

You shall be solely responsible for providing, maintaining and ensuring compatibility with the Service, all hardware, software, electrical and other physical requirements for your use of the Service, including, without limitation, telecommunications and Internet access connections and links, web browsers or other equipment, programs and services required to access and use the Service.

MODIFICATION OF THESE TERMS OF USE
Company and/or Microsoft may wish to update or change the terms, conditions and notices for the Service from time to time to reflect changes in the Service, changes in the laws affecting the Service, or for other good reasons. You understand that Company and/or Microsoft reserves the right to make these changes and that you are responsible for regularly reviewing these terms, conditions and notices. Unless the Service provides for an alternative method of acceptance, your continued access to and use of the Service after any such change shall constitute your consent to such change.

USE LIMITATION
The Service facilitates the communication of information between Company and other authorized financial professionals and their clients. You may only use the Service for this purpose, as expressly provided in these TOU. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services that are part of the Service, except as expressly provided in these TOU.

By using the Service, you authorize the Company to make your financial information available to you on-line. To accomplish this, you are aware that your information will be transmitted over the Internet utilizing third party Internet service providers not under the Company’s control. You also acknowledge and agree that the Service requires the administration and management of your personal information by the Company, Microsoft and Advent Software, Inc. These parties require and will be given access to your personal information for the purpose of performing the Service. The Company may also share your personal or account information with affiliates for purposes of processing your account.

USER ACCOUNTS AND PASSWORDS; PRIVACY AND PROTECTION OF PERSONAL INFORMATION
You may be required to have a Microsoft Passport account to use the Service. You can find out more about Passport by going to the Passport web site, located at http://www.passport.com. To set up a Microsoft Passport account, you must provide information about yourself and update this information as necessary in order to keep it current. Microsoft agrees that it will only use your personal information in accordance with the terms of the Microsoft Passport Privacy Statement, which is located at http://www.passport.com. You are responsible for maintaining the confidentiality of your password and account information. Furthermore, you are responsible for all activities that occur in your account and you agree to notify Microsoft immediately of any unauthorized use of your Microsoft Passport account through the notice procedures located at http://www.passport.com. If Microsoft Passport or some other system is enabled as the authentication system for the Service, Microsoft is not responsible for any loss that you may incur as a result of any unauthorized person using your account or your password. You acknowledge that Microsoft reserves the right to log off Passport accounts that are inactive for an extended period of time.

By using the “Banking” feature through the Service, you authorize Microsoft and its agents to access third party sites designated by you or on your behalf, to retrieve information requested by you, and you appoint Microsoft and its agents as your agent for this limited purpose. Whenever you enter your account login information, you are permitting Microsoft and its agents to process your request and use information submitted by you to accomplish the foregoing. You will provide a user name and password when registering. Additionally, in order to access and use other portions of the Service, you may also be required to open other accounts that require other passwords. For these accounts, you are also responsible for maintaining the confidentiality of your password and account information. Furthermore, you are also responsible for all activities that occur in your account(s) and you agree to notify Company immediately of any unauthorized use of your account(s) (except with respect to your Microsoft Passport account, in which case you should notify Microsoft as set forth above). Company, Microsoft and their agents and suppliers are not responsible for any loss that you may incur as a result of any unauthorized person using your account(s) or your password(s). However, you could be held liable for losses incurred by Company, Microsoft or their suppliers due to someone else using your account(s) or password(s). You may not use anyone else’s account(s) or password(s) at any time, without the permission of the account holder. YOU ACKNOWLEDGE AND AGREE THAT WHEN THE COMPANY, MICROSOFT OR ITS AGENTS ACCESS AND RETRIEVE INFORMATION FROM THIRD PARTY SITES, THE COMPANY, MICROSOFT AND ITS AGENTS ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that the third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that this “Banking” feature is not endorsed or sponsored by any third party account providers accessible through such feature.

You understand and agree that as a feature of the Service, Company may provide your investment advisor and/or other interested third parties authorized by you to access your personal information.

See the Company Privacy Statement through the links provided at the bottom of this page for disclosures relating to the collection and use of your personal information.

LINKS TO THIRD PARTY SITES
The web pages that are part of the Service may contain links to other third party web sites (“Linked Sites”). The Linked Sites are not under the control of Company or Microsoft, and Company and Microsoft are not responsible for the accuracy of the contents or performance of any Linked Site, including any link contained in a Linked Site, or any changes or updates to a Linked Site. Company and Microsoft are not responsible for webcasting or any other form of transmission received from any Linked Site nor are Company or Microsoft responsible if the Linked Site is not working appropriately. Company or Microsoft are providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Company or Microsoft of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites.

You are solely responsible for any dealings with third parties (including advertisers) who support the Service or who are identified in the web pages that are part of the Service, including the delivery of and the payment for goods and services.

NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Service, you agree that you will not use the Service for any purpose that is unlawful or contrary to these TOU. You may also not use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party’s use and enjoyment of the Service. You may not attempt to gain unauthorized access to the Service, other accounts, computer systems or networks associated with the Service. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Service.

You agree not to engage in unacceptable use of the Service, which includes, without limitation, use of the Service to: (a) disseminate, store or transmit unsolicited messages, chain letters or unsolicited commercial email; (b) disseminate or transmit material that, to a reasonable person may be abusive, obscene, pornographic, defamatory, harassing, grossly offensive, vulgar, threatening or malicious; (c) disseminate, store or transmit files, graphics, software or other material that actually or potentially infringes the copyright, trademark, patent, trade secret or other intellectual property right of any person; (d) create a false identity or to otherwise attempt to mislead any person as to the identity or origin of any communication; (e) export, re-export or permit downloading of any message or content in violation of any export or import law, regulation or restriction of the United States and its agencies or authorities, or without all required approvals, licenses or exemptions; (f) interfere, disrupt or attempt to gain unauthorized access to other accounts on the Services or any other computer network; (g) disseminate, store or transmit viruses, trojan horses or any other malicious code or program; or (h) engage in any other activity deemed by the Company to be in conflict with the spirit or intent of this Agreement.

USE OF SERVICES
The Service may contain e-mail services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, file cabinets and/or other message or communication facilities designed to enable you to communicate with others (collectively, “Communication Services”). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. If the Service provides the ability to execute transactions in securities, you acknowledge and agree that United States federal securities laws prohibit the execution of orders entered into via a chat room or other form of Communication Services that do not involve direct communication with a registered securities broker or dealer. Therefore, you agree not to submit any trade information via the Communication Services, and, should you fail to adhere to this agreement, you acknowledge that the Service will be under no obligation to attempt to execute any transaction in securities that are submitted via the Communication Services or to inform you that it is unable or unwilling to do so. By way of example, and not as a limitation, you further agree that when using a Communication Service, you will not:

* Use the Communication Service in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise).
* Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
* Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name, material or information.
* Upload, or otherwise make available, files that contain images, photographs, software or other material protected by intellectual property laws, including copyright or trademark laws (or by rights of privacy or publicity) unless you own or control the rights thereto or have received all necessary consents to do the same.
* Use any material or information, including images or photographs, which is made available through the Service in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party.
* Upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or property of another.
* Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
* Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
* Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
* Restrict or inhibit any other user from using and enjoying the Communication Services.
* Violate any code of conduct or other guidelines that may be applicable for any particular Communication Service.
* Harvest or otherwise collect information about others, including e-mail addresses.
* Violate any applicable laws or regulations.
* Create a false identity for the purpose of misleading others.
* Use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity any directory of users of the Service or other user or usage information or any portion thereof.

Company and Microsoft have no obligation to monitor the Communication Services. However, Company and Microsoft reserve the right to review materials posted to a Communication Service and to remove any materials in their sole discretion. Company and Microsoft reserve the right to terminate your access to any or all of the Service or limit your access to some or all of the Service at any time, without notice, for any reason whatsoever.

Company and Microsoft reserve the right at all times to disclose any information as Company deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Company’s and/or Microsoft’s sole discretion.

Always use caution when giving out any personally identifiable information about yourself or others in any Communication Service. Company and Microsoft do not control or endorse the content, messages or information found in any Communication Service and, therefore, Company and Microsoft specifically disclaim any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Company or Microsoft spokespersons, and their views do not necessarily reflect those of Company or Microsoft.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination, and you are responsible for adhering to such limitations if you download the materials. You shall be solely responsible for the security, confidentiality and integrity of all messages and the content that you receive, transmit through or store on the Service.

MATERIALS PROVIDED THROUGH THE SERVICE
Company and Microsoft do not claim ownership of the materials you provide to Company (including feedback and suggestions) or post, upload, input or submit to the Service or its associated services for review by the general public, or by the members of any public or private community, (each a “Submission” and collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting (“Posting”) your Submission you are granting Company and Microsoft, their affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses (including the Service), including the license rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; to publish your name in connection with your Submission; and the right to sublicense such rights to any supplier of the Site/Service.

No compensation will be paid with respect to the use of your Submission, as provided herein. Company and Microsoft are under no obligation to post or use any Submission you may provide and Company and Microsoft may remove any Submission at any time in their sole discretion.

By Posting a Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in these Terms of Use including all the rights necessary for you to provide, post, upload, input or submit the Submissions.

RIGHT TO USE FEEDBACK OR SUGGESTIONS YOU SUBMIT
Company and Microsoft want your voluntary feedback and suggestions on the Service so that we can continually improve the Service for you and other customers. When you submit feedback and suggestions, please understand that Company and Microsoft need to have full rights to use your feedback and suggestions without any encumbrances. In particular, you should understand that by submitting any feedback or suggestions to Company or Microsoft concerning the Service, you warrant and represent that you own or otherwise control the rights necessary to do so and you are granting Company, Microsoft and their affiliated companies permission to:

* Use, modify, copy, distribute, transmit, publicly display, publicly perform, reproduce, publish, sublicense, create derivative works from, transfer, or sell any such feedback or suggestions; and
* Sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to the feedback or suggestions.

These grants include the right to exploit any proprietary rights in such feedback or suggestions, including rights under copyright, trademark, service mark or patent laws in any relevant jurisdiction. No compensation will be paid with respect to use of the materials contained within such feedback or suggestions. Company and Microsoft are under no obligation to use any feedback or suggestion you may provide.

This section is inapplicable to any personally identifiable information that you provide in connection with your registration for the Service. For terms and conditions governing the use of such information, please refer to the USER ACCOUNTS AND PASSWORDS; PRIVACY AND PROTECTION OF PERSONAL INFORMATION section of these TOU.

This section also is inapplicable to any documents, information, or other data that you upload, transmit or otherwise submit to or through any other web sites and services that may be accessed through the Service. Please refer to the terms and conditions for such other web sites and services to determine the rights of the web site or service provider to such documents, information and/or data.

SOFTWARE AND CONTENT AVAILABLE THROUGH THE SERVICE
All content and software (if any) that is made available to view and/or download from the web pages that are part of the Service (“Software”) is owned by and is the copyrighted work of Company, and/or Microsoft, and/or their respective suppliers and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software (“License Agreement”). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

For any Software not accompanied by a license agreement, Microsoft, and/or suppliers (as applicable) hereby grant to you, the user, a revocable personal, non-transferable license to use the Software for viewing and otherwise using the Service in accordance with these TOU, and for no other purpose provided that you keep intact all copyright and other proprietary notices. All Software is owned by Company, and/or Microsoft, and/or their suppliers and is protected by copyright laws and international treaty provisions. Any reproduction or redistribution of the Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT. You acknowledge that the Software, and any accompanying documentation and/or technical information are subject to applicable export control laws and regulations of the U.S.A. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to U.S.A. export restrictions.

LIABILITY DISCLAIMER
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SERVICE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE SERVICE AND TO THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SERVICE. COMPANY, MICROSOFT AND/OR THEIR RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES TO THE SERVICE AT ANY TIME. THE INFORMATION RECEIVED THROUGH THE SERVICE OR IN ANY E-MAIL ALERTS DOES NOT CONSTITUTE INVESTMENT, LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE AND SHOULD NOT BE RELIED UPON FOR PERSONAL OR FINANCIAL DECISIONS EXCEPT IN CONJUNCTION WITH SPECIFIC ADVICE TAILORED TO YOUR SPECIFIC SITUATION PREPARED BY COMPANY OR OTHER APPROPRIATE PROFESSIONAL(S) AFTER CONSULTATION WITH COMPANY OR OTHER APPROPRIATE PROFESSIONAL(S).

COMPANY, MICROSOFT AND/OR THEIR RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, LACK OF VIRUSES OR OTHER HARMFUL COMPONENTS AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON OR OBTAINED THROUGH THE SERVICE FOR ANY PURPOSE. NEITHER COMPANY NOR MICROSOFT MAKES ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE.ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. COMPANY, MICROSOFT AND/OR THEIR RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, TITLE AND NON-INFRINGEMENT.

YOU SPECIFICALLY AGREE THAT NEITHER COMPANY, MICROSOFT NOR THEIR RESPECTIVE SUPPLIERS SHALL BE RESPONSIBLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, ANY MATERIAL OR DATA SENT OR RECEIVED OR NOT SENT OR RECEIVED, OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICE. YOU SPECIFICALLY AGREE THAT NEITHER COMPANY, MICROSOFT, NOR THEIR RESPECTIVE SUPPLIERS ARE RESPONSIBLE OR LIABLE FOR ANY THREATENING, DEFAMATORY, OBSCENE, OFFENSIVE OR ILLEGAL CONTENT OR CONDUCT OF ANY OTHER PARTY OR ANY INFRINGEMENT OF ANOTHER’S RIGHTS, INCLUDING INTELLECTUAL PROPERTY RIGHTS. YOU SPECIFICALLY AGREE THAT NEITHER COMPANY, MICROSOFT, NOR THEIR RESPECTIVE SUPPLIERS ARE RESPONSIBLE FOR ANY CONTENT SENT USING AND/OR INCLUDED IN THE SERVICE BY ANY THIRD PARTY.

IN NO EVENT SHALL COMPANY, MICROSOFT, AND/OR THEIR RESPECTIVE SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SERVICE, WITH THE DELAY OR INABILITY TO USE THE SERVICE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON OR OBTAINED THROUGH THE SERVICE, OR OTHERWISE ARISING OUT OF THE USE OF THE SERVICE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF COMPANY, MICROSOFT, AND/OR ANY OF THEIR RESPECTIVE SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE, OR WITH ANY OF THESE TOU, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

TERMINATION/ACCESS RESTRICTION
Company and Microsoft reserve the right, in their sole discretion, to terminate your access to the Service or any portion thereof at any time, without notice.

Company and Microsoft may also terminate or suspend your access to the Service or certain features for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by Company. Upon termination of the Service, your right to use the Service immediately ceases.

Microsoft shall have no obligation to maintain any content or to forward any unread or unsent messages, reports, data or other information to you or any third party.

STORAGE SPACE AND OTHER LIMITATIONS
You agree that Company or Microsoft may establish limits concerning use of any feature of the Service, including the maximum number of days that e-mail messages, reports, and other documents or information will be retained by the Service, the maximum number of e-mail messages, reports, and other documents or information that may be sent from or received by an account on the Service, the maximum size of an e-mail message, report, and other document or information that may be sent from or received by an account on the Service, the maximum disk space that will be allotted on servers for the Service on your behalf, the maximum number of times and duration you may access the Service in a given period of time, and the maximum number of days that copies of e-mail messages, reports, and other documents or information will be retained by the Service.

You agree that neither Company nor Microsoft has any responsibility or liability for the deletion, corruption or failure to store any messages, documents or other content maintained or transmitted by the Service.

NO SPAM; DAMAGES
Company and Microsoft will immediately terminate any account which they believe, in their sole discretion, is transmitting or is otherwise connected with any spam or other unsolicited bulk email. In addition, because damages are often difficult to quantify, if actual damages cannot be reasonably calculated then you agree to pay Company and Microsoft liquidated damages of $5 for each piece of spam or unsolicited bulk email transmitted from or otherwise connected with your account, otherwise you agree to pay Company’s and Microsoft’s actual damages, to the extent such actual damages can be reasonably calculated.

STOCK QUOTES, AND E-MAIL ALERTS, AND DELIVERY OF ACCOUNT STATEMENTS, REPORTS AND OTHER INFORMATION
Stock quotes appearing on the Service and in any email, pager, cell phone or other alerts provided as part of the Service are supplied by S&P ComStock, Inc. Unless otherwise indicated, stock quotes are delayed at least 20 minutes (NASDAQ stock quotes are delayed at least 15 minutes). All stock quotes are labeled with “time of last trade” to indicate the timeliness of the data.

Stock and mutual fund quotes are believed to be accurate and timely (subject to the aforementioned delays), but neither Company, Microsoft, nor their respective suppliers warrant or guarantee such accuracy or timeliness. You should always consult a stock broker or other authorized financial advisor or representative to establish actual stock prices before making any stock trades or other financial decisions. Company, Microsoft, and their respective suppliers do not authorize the use of stock quote information for any purpose other than your personal use, and prohibit to the maximum extent allowable the resale, redistribution, and use of this information for commercial purposes.

You may be entitled to obtain copies of certain periodic reports, statements or other information from Company, which may be delivered through, and copies of which may be retained by, the Service. Delivery of all reports, statements or other information, and the retention of copies thereof, remains the sole responsibility of Company. Company and Microsoft have no responsibility to deliver any such reports, statements or other information, or to retain copies thereof previously delivered via the Service.

NO PROFESSIONAL ADVICE
Neither Microsoft nor its suppliers are broker/dealers or registered investment advisors under United States federal securities law, and do not advise individuals as to the advisability of investing in, purchasing or selling securities or other financial products, and nothing contained in the Service constitutes an offer or solicitation to buy or sell any security. Nothing contained in the Service is intended to constitute investment, legal, tax, accounting or other professional advice and should not be relied upon for personal or financial decisions except in conjunction with specific advice tailored to your specific situation prepared by Company or other appropriate professional(s) after consultation with Company or other appropriate professional(s). Microsoft has no role in preparing any reports, data, or other information provided to you as part of the Service. Neither Microsoft nor its suppliers endorse or recommend any particular securities or other financial products. You should not rely solely on the reports, data, and other information provided to you as part of the Service for making financial decisions. You should always consult with an appropriate professional before making any investment decision for specific advice tailored to your situation. In evaluating information provided by the Service, and in discussing that information with your professional advisors, remember that past performance of an investment or investment strategy is not indicative of future performance.

Any data you obtain through the use of the Service has been provided solely for your convenience and should be reviewed by you for accuracy and for applicability with respect to your tax, accounting and/or financial investment purposes. Any gains or losses reflect only the difference between the purchase price and the sale price of your security holdings, as provided and verified by you. This data does not give any consideration to, among other things, the taxable or tax exempt status of a particular investment, original issue discount tax considerations, tax lot accounting or any other financial consideration that may influence your ultimate tax liability or investment decisions. The tax status of accounts is based on your accounting. You must rely on your accountant and your records and/or Form 1099’s issued to you for tax reporting purposes. The data provided to you in no way contains financial, legal or tax opinions. Neither the Company nor its suppliers shall have any liability resulting from the reliance of you (or any third party acting on your behalf or at your direction) upon the accuracy or completeness of the data provided to you through the Service.

ACCURACY OF INFORMATION AND CALCULATIONS
Information appearing on the Service and in any e-mail, pager, cell phone or other alerts provided as part of the Service, including your account statement results produced by calculations and information about your account, is believed to be accurate, but neither Company, Microsoft, nor their respective suppliers warrant or guarantee such accuracy. You should independently verify all relevant information prior to making any investment decisions based on such information. Company and Microsoft make reasonable efforts to provide accurate information on the Service, but at times may not promptly update or correct the Service even if aware that it is inaccurate, outdated or otherwise inappropriate. Company and Microsoft may change all or any portion of the Service at any time without notice to you.

GENERAL
The laws of the State of Washington, U.S.A. govern these TOU. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in King County, State of Washington, U.S.A. in all disputes with Microsoft arising out of or relating to the use of the Service. All actions, claims or disputes arising under or relating to these TOU’s involving the Company shall be brought in the federal or state courts in the State of Michigan. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Company as a result of this agreement or use of the Service. Company reserves the right to disclose any personal information about you or your use of the Service, including its contents, without your prior permission if Company has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of Company or its affiliated companies; (3) enforce the TOU; or (4) act to protect the interests of its users or others. Company’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Company’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Service or information provided to or gathered by Company with respect to such use. You agree to indemnify and hold Company, Microsoft, and their respective parents, subsidiaries, affiliates, officers, employees and suppliers harmless from any claim, demand, or damage, including reasonable attorneys’ fees, asserted by any third party due to or arising out of your use of or conduct on the Service. If any part of these TOU are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these TOU shall continue in effect. Unless otherwise specified herein, these TOU constitute the entire agreement between the Company and you with respect to the Service and such agreement supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the Company and you with respect to the Service. A printed version of these TOU and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these TOU to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

If any provision of these TOU’s is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent possible and the other provisions will remain fully effective and enforceable.

INTELLECTUAL PROPERTY NOTICES
All contents of the Service are: Copyright (c) 200 Microsoft Corporation and/or its suppliers, One Microsoft Way, Redmond, Washington 98052-6399 U.S.A. All rights reserved.

Microsoft, MSN and/or other Microsoft products referenced herein are either trademarks or registered trademarks of Microsoft. The names of actual companies and products mentioned herein may be the trademarks of their respective owners.
The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Microsoft may have patents, patent applications, trademarks, copyrights, or other intellectual property rights covering subject matter in the Service, including the Web pages that are part of the Service. Except as expressly provided in these TOU, the provision of the Service and the furnishing of such web pages to you does not give you any license to these patents, trademarks, copyrights, or other intellectual property. Any rights not expressly granted herein are reserved.

NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Service Provider’s Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.

Other Acknowledgements and Notices
Historical chart information supplied by Commodity Systems, Inc. (CSI), 200 W. Palmetto Park Road, Boca Raton, FL 33432 (561) 392-8663 or (800) 274- 4727. Email marketing@csidata.com

Certain software used in the MSN Money Web site servers is based in part on the work of the Independent JPEG Group. Copyright (c) 1991 -1996 Thomas G. Lane. All rights reserved.

“gnuplot” software used in the MSN Money Web site servers is copyright (c) 1986-1993 Thomas Williams, Colin Kelley. All rights reserved

All information provided by S&P ComStock, Inc. (“ComStock”) and its affiliates (the “ComStock Information”) included in MSN Money is owned by or licensed to ComStock and its affiliates and any user is permitted to store, manipulate, analyze, reformat, print and display the ComStock Information only for such user’s personal use. In no event shall any user publish, retransmit, redistribute or otherwise reproduce any ComStock Information in any format to anyone, and no user shall use any ComStock Information in or in connection with any business or commercial enterprise, including, without limitation, any securities, investment, accounting, banking, legal or media business or enterprise. Prior to the execution of a security trade based upon the ComStock Information, you are advised to consult with your broker or other financial representative to verify pricing information. Neither ComStock nor its affiliates make any express or implied warranties (including, without limitation, any warranty or merchantability or fitness for a particular purpose or use) regarding the ComStock Information. The ComStock Information is provided to the users “as is.” Neither ComStock nor its affiliates will be liable to any user or anyone else for any interruption, inaccuracy, error or omission, regardless of cause, in the ComStock Information or for any damages (whether direct or indirect, consequential, punitive or exemplary) resulting therefrom.

Reuters content is the intellectual property of Reuters Limited. Any copying, republication or redistribution of Reuters content, including by caching, framing or similar means, is expressly prohibited without the prior written consent of Reuters. Reuters shall not be liable for any errors or delays in content, or for any actions taken in reliance thereon. Reuters, the Reuters Logo and the Sphere Logo are trademarks and registered trademarks of the Reuters Group of companies around the world. Rev. March 2002

This report is prepared solely to help you with your investment planning. Accordingly, it may be incomplete or contain other departures from generally accepted accounting principals and should not be used to obtain credit or for any purposes other than your investment planning. We have not performed an audit, review or compilation engagement in accordance with standards established by the American Institute of Certified Public Accountants.

February 2003

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