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COPYRIGHT AND USAGE AGREEMENT

This Subscription Agreement governs use of content Ratemetrics.com (and aliases). When used in this Agreement, "Service" means those premium content areas of the Ratemetrics.com site which you may have been authorized to access. By submitting your completed Registration Form, and using any part of the service, you are representing that you are 18 years old or older, and that you agree to be bound by all of the terms in this Subscription Agreement. You may print and keep a copy of this Agreement. Aggregate Intelligence, Inc. may change the terms in this Subscription Agreement. When the terms are changed, Aggregate Intelligence, Inc. will notify you by e-mail and/or online postings. The changes also will appear in this document, which you can access at any time by selecting "Terms" in footer section of the home page. Ratemetrics.com website after it has notified subscribers of a change in this Subscription Agreement is posted, you agree to be bound by all of the changes.

PRIVACY OF INFORMATION

By clicking the "I Accept" button, you also are agreeing that Aggregate Intelligence, Inc. may store information you provide as part of the subscription process and usage information, and provide aggregate statistical information about subscribers to advertisers, potential advertisers, and content licensors. Aggregate Intelligence, Inc. also may use the information to inform you about other products and services, unless you notify Aggregate Intelligence, Inc. that you do not wish to receive this information. Aggregate Intelligence, Inc. also may deliver additional messages about the Service to you by e-mail.

As a general policy, Aggregate Intelligence, Inc. does not disclose to third parties any specific personal identifying information about you, such as your name, address, phone number, or e-mail address ("Personal Identifying Information"). Aggregate Intelligence, Inc. will not disclose any of your Personal Identifying Information to a third party without first notifying you and giving you an opportunity to elect not to have your Personal Identifying Information disclosed.

ENTERPRISE CUSTOMERS

If Aggregate Intelligence, Inc. and you or your employer have manually signed a paper version of a contract governing your use of the Service, or if you or your employer subscribe to the Service pursuant to an Enterprise Subscription Agreement, the terms in that manually signed, paper document or Enterprise Subscription Agreement are not amended by, and supersede, terms in this Subscription Agreement.

FEES AND PAYMENTS

You can always find the current Subscription Fees and charges posted with the product information. Your subscription will continue for the term specified and will renew automatically until terminated by Aggregate Intelligence, Inc. or until you notify Aggregate Intelligence, Inc. by electronic mail of your decision to terminate your subscription or cancel the subscription from “My Account” page after Signing In. Your credit card will be charged for the total amount for any subscription package chosen, per the Checkout process. All fees and charges are non-refundable.

All fees and charges incurred in connection with your user name or password will be billed to the credit card you designate during the registration process for the Service or the electronic information service, which provides you access to the Service. If there are any annual, or similar periodic fees for your Service subscription, these fees will be billed automatically to your credit card at the start of the period, and at the start of each renewal period, unless you terminate your subscription before the relevant period begins. If you want to designate a different credit card or there is a change in your credit card validity or expiration date, or if you believe someone has accessed the Service using your user name or password without your authorization, you must call Aggregate Intelligence, Inc. Customer Service at the telephone numbers posted on the website or fill up the form available in “Contact” page. You also are responsible for any fees or charges incurred to access the Service through an Internet access provider or other third party service.YOU, AND NOT Aggregate Intelligence, Inc., ARE RESPONSIBLE FOR PAYING ANY AMOUNTS BILLED TO YOUR CREDIT CARD BY A THIRD PARTY, WHICH WERE NOT AUTHORIZED BY YOU.

If Aggregate Intelligence, Inc. and you or your employer has manually signed a paper version of a contract governing your use of the Service, or if you or your employer subscribe to the Service pursuant to an Enterprise Subscription Agreement, some or all of these "Fees and Payments" terms may not apply to you. Please contact your employer for details.

COPYRIGHT AND LIMITATIONS ON USE

The content available as part of the Service, other than content accessible through the Product area, is defined as "Licensed Information". The Licensed Information is the property of Aggregate Intelligence, Inc. or its licensors and is protected by copyright and other intellectual property laws. Licensed Information received through the Service may be displayed, reformatted and printed for your personal, non-commercial use only. You agree not to reproduce, transmit, distribute, display, sell, store, archive or publish any Licensed Information to anyone, including but not limited to others in the same company or organization, without the express prior consent of Aggregate Intelligence, Inc. with these two exceptions:

1

You may, on an occasional and irregular basis, disseminate an insubstantial portion of content retrieved from the Service, for a non-commercial purpose, without charge, and in non-electronic form, to a limited number of individuals, provided you include all copyright and other proprietary notices with such portion of the content in the same form in which the notices appear in the Service, and the phrase "Used with permission from Aggregate Intelligence, Inc. " To request consent for other matters, please send an e-mail to president@Ratemetrics.com

2

Except where indicated otherwise you may e-mail your Service search results to a single e-mail address and a single individual within your company or organization The content accessible through hyperlinks within company capsules in the database is not made available to you through any contractual arrangement between Aggregate Intelligence, Inc. and third parties, but instead is made available from publicly available sources on the World Wide Web. FOR THIS REASON, Aggregate Intelligence, Inc. DOES NOT GRANT YOU ANY RIGHT OR LICENSE WHATSOEVER WITH RESPECT TO CONTENT ACCESSIBLE THROUGH THE GUIDE. You are solely responsible for determining the extent to which the content accessible through the application may be used or distributed. Aggregate Intelligence, Inc. reserves the right to monitor the Subscriber's use of all premium content, services, and tools to ensure the Subscriber's compliance with the Terms and Conditions. If it is determined that the Subscriber is not in compliance with these Terms and Conditions, Aggregate Intelligence, Inc. reserves the right to take such action as is deemed necessary, including, but not limited to, suspension or termination of the Subscriber's account. The Subscriber acknowledges that such monitoring of use may include determining whether or not the Service is accessed under the account from IP addresses, monitoring the log files to determine if any computer programs are being run in order to access data from the site, as well as noting excessive use from Subscription accounts. Only one individual may access the Service at the same time using the same user name or password, unless agreed otherwise by Aggregate Intelligence, Inc..

Aggregate Intelligence, Inc. and its content licensors do not give investment advice, or advocate the purchase or sale of any security or investment.

DISCLAIMER OF WARRANTIES AND LIABILITY

Due to the number of sources from which content on the Service is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in such content and the Service. Aggregate Intelligence, Inc. AND ITS AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT AVAILABLE THROUGH THE SERVICE OR THE SERVICE ITSELF. Aggregate Intelligence, Inc. AND ITS AFFILIATES, AGENTS OR LICENSORS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR DAMAGE, OTHER THAN DEATH OR PERSONAL INJURY RESULTING DIRECTLY FROM USE OF THE SERVICE, CAUSED IN WHOLE OR PART BY CONTINGENCIES BEYOND THEIR CONTROL OR NEGLIGENCE IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THE SERVICE AND ANY CONTENT THROUGH THE SERVICE. IN NO EVENT WILL Aggregate Intelligence, Inc., ITS AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH CONTENT. Aggregate Intelligence, Inc. AND ITS AFFILIATES, AGENTS AND LICENSORS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OTHER THAN DIRECT DAMAGES (INCLUDING, WITHOUT LIMITATION, CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, OR SIMILAR DAMAGES) EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT THE LIABILITY OF Aggregate Intelligence, Inc., ITS AFFILIATES, AGENTS AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM (WHETHER IN CONTRACT, TORT OR OTHERWISE) IN ANY WAY CONNECTED WITH THE SERVICE OR THE CONTENT IN THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO Aggregate Intelligence, Inc. FOR THE USE OF THE SERVICE IN THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH CLAIM.

ADDITIONAL LEGAL TERMS AND CONDITIONS

You are responsible for all statements made and acts or omissions that occur while your password is being used. You may not use the Service for any unlawful purpose. Aggregate Intelligence, Inc. may refuse to grant you a user name that impersonates someone else, is protected by trademark or other proprietary right law, or is vulgar or otherwise offensive, as determined by Aggregate Intelligence, Inc..

Aggregate Intelligence, Inc. may discontinue or change the Service, certain Licensed Information, or certain content within the Service or its availability to you, at any time, and you may always terminate your subscription at any time. This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision in this Agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This Agreement, your rights and obligations, and all actions contemplated by this Agreement shall be governed by the laws of the United States of America and the State of California, as if the Agreement was a contract wholly entered into and wholly performed within the State of California. This Agreement will not be governed by the United Nations Convention on Contracts for the International Sale of Goods.