|  |  |     |  IMPORTANT! THESE TERMS OF USE GOVERN YOUR USE OF THIS SITE, WHICH IS PROVIDED
      BY Websiteonthephone.COM. BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR
      ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS OF USE
      ARE SUBJECT TO CHANGE BY Websiteonthephone.COM AT ANY TIME IN ITS DISCRETION.
      YOUR USE OF THIS SITE AFTER SUCH CHANGES ARE IMPLEMENTED CONSTITUTES YOUR
      ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES. PLEASE CONSULT THESE TERMS
      OF USE REGULARLY.
  Access to This Site To access this site or some of the resources it has to offer, you may be asked
    to provide certain registration details or other information. It is a condition
    of your use of this site that all the information you provide on this site
    will be correct, current, and complete. If Websiteonthephone.COM believes
    the information you provide is not correct, current, or complete, Websiteonthephone.COM
    has the right to refuse you access to this site or any of its resources,
    and to terminate or suspend your access at any time.
 Term and Renewal This Agreement shall be for an initial term of twelve (12) months and shall
    constitute a binding agreement between you and Websiteonthephone.COM (the “Parties”).
    This Agreement shall be automatically renewed for successive twelve (12)
    month terms until it is terminated in accordance with termination provisions
    herein.
 Description Of Services Websiteonthephone.COM may provide you with one or more of the following services
    depending on the package that you select: business Web site and intranet
    creation services, business-related Web site pages, third party Content,
    storage space, Intranet, e-commerce capabilities, domain names, e-mail accounts,
    chat and messaging services, Internet Access, Web site hosting, maintenance
    and support services (collectively, the “Services”). Unless explicitly stated
    otherwise, any new feature that augments or enhances the Services shall be
    considered to be part of the Services. Websiteonthephone.COM reserves the
    right to modify, suspend or discontinue the Services (or any part thereof),
    at any time, without notice to you. You expressly agree that you, or any
    related third party, shall not hold Websiteonthephone.COM or its suppliers
    liable for any losses, damages or consequences whatsoever from such modification,
    suspension or discontinuation of the Services.
 Restrictions on Use You may use this site for purposes expressly permitted by this site. You may
    not use this site for any other purpose without Websiteonthephone.COM's express
    prior written consent. For example, you may not (and may not authorize any
    other party to) (i) co-brand this site, or (ii) frame this site, or (iii)
    hyper-link to this site, without the express prior written permission of
    an authorized representative of Websiteonthephone.COM. For purposes of these
    Terms of Use, “co-branding” means to display a name, logo, trademark, or
    other means of attribution or identification of any party in such a manner
    as is reasonably likely to give a user the impression that such other party
    has the right to display, publish, or distribute this site or content accessible
    within this site. You agree to cooperate with Websiteonthephone.COM in causing
    any unauthorized co-branding, framing or hyper-linking immediately to cease.
 Proprietary Information The material and content accessible from this site, and any other World Wide
    Web site owned, operated, licensed, or controlled by Websiteonthephone.COM
    (the “Content”) is the proprietary information of Websiteonthephone.COM or
    the party that provided the Content to Websiteonthephone.COM, and Websiteonthephone.COM
    or the party that provided the Content to Websiteonthephone.COM retains all
    right, title, and interest in the Content. Accordingly, the Content may not
    be copied, distributed, republished, uploaded, posted, or transmitted in
    any way without the prior written consent of Websiteonthephone.COM, except
    that you may print out a copy of the Content solely for your personal use.
    In doing so, you may not remove or alter, or cause to be removed or altered,
    any copyright, trademark, trade name, service mark, or any other proprietary
    notice or legend appearing on any of the Content. Modification or use of
    the Content except as expressly provided in these Terms of Use violates Websiteonthephone.COM's
    intellectual property rights. Neither title nor intellectual property rights
    are transferred to you by access to this site. You are expressly prohibited,
    directly or indirectly through any third party, from any of the following:
    (i) copying, modifying, creating a derivative work of, reverse engineering,
    reverse assembling or otherwise attempting to discover the source code of
    the Software; (ii) renting, leasing, selling, assigning, transferring, sublicensing,
    re-licensing, granting a security interest in, or gaining unauthorized access
    to the Software or Services; and (iii) accessing the Services by any means
    other than through the interface that is provided by Websiteonthephone.COM
    for use in accessing the Services.
 Intellectual Property Websiteonthephone.COM's suppliers are the exclusive owners of all right, title
    and interest in and to the Software and Services along with any and all related
    Intellectual Property Rights including, without limitation, all associated
    rights under the laws of copyright (including derivative works), trademarks
    and patent. Nothing in this Agreement shall be deemed to limit or restrict
    Websiteonthephone.COM's suppliers from providing its Software, Services or
    technology to any third party for any purpose whatsoever, or in any way affect
    the rights granted to such other third parties. The use of any of the Software
    or Services shall in no way be construed by any User as granting or conferring
    upon them any Intellectual Property rights whatsoever. Furthermore, you expressly
    agree not to alter or delete any copyright notices or trademarks including
    any third party software or Services.
 Hyper-Links This site may be hyper-linked to other sites that are not maintained by, or
    related to, Websiteonthephone.COM. Hyper-links to such sites are provided
    as a service to users and are not sponsored by or affiliated with this site
    or Websiteonthephone.COM. Websiteonthephone.COM has not reviewed any or all
    of such sites and is not responsible for the content of those sites. Hyper-links
    are to be accessed at the user's own risk, and Websiteonthephone.COM makes
    no representations or warranties about the content, completeness or accuracy
    of these hyper-links or the sites hyper-linked to this site. Further, the
    inclusion of any hyper-link to a third-party site does not necessarily imply
    endorsement by Websiteonthephone.COM of that site.
 Submissions You hereby grant to Websiteonthephone.COM the royalty-free, perpetual, irrevocable,
    worldwide, non-exclusive right and license to use, reproduce, modify, adapt,
    publish, translate, create derivative works from, distribute, perform, and
    display all content, remarks, suggestions, ideas, graphics, or other information
    communicated to Websiteonthephone.COM through this site (together, the “Submission”),
    and to incorporate any Submission in other works in any form, media, or technology
    now known or later developed. Websiteonthephone.COM will not be required
    to treat any Submission as confidential, and may use any Submission in its
    business (including without limitation, for products or advertising) without
    incurring any liability for royalties or any other consideration of any kind,
    and will not incur any liability as a result of any similarities that may
    appear in future Websiteonthephone.COM operations. Websiteonthephone.COM
    and its suppliers do not claim ownership rights in any Content that you own,
    or are owned by a third party, and that you have provided for inclusion in
    the Services and/or incorporation onto your Web site. Accordingly, you are
    solely responsible for ensuring that said Content does not violate any of
    Websiteonthephone.COM's policies or any third party's rights.
 Websiteonthephone.COM will treat any personal information
                    that you submit through this in accordance with this Privacy
                    Policy.  Disclaimer You understand that Websiteonthephone.COM cannot and does not guarantee or
    warrant that files available for downloading from the Internet will be free
    of viruses, worms, Trojan horses or other code that may manifest contaminating
    or destructive properties. You are responsible for implementing sufficient
    procedures and checkpoints to satisfy your particular requirements for accuracy
    of data input and output, and for maintaining a means external to this site
    for the reconstruction of any lost data. Websiteonthephone.COM does not assume
    any responsibility or risk for your use of the Internet.
 The Content is not necessarily complete and up-to-date and
                    should not be used to replace any written reports, statements,
                    or notices provided by Websiteonthephone.COM. Investors,
                    borrowers, and other persons should use the Content in the
                    same manner as any other educational medium and should not
                    rely on the Content to the exclusion of their own professional
                    judgment. Information obtained by using this site is not
                    exhaustive and does not cover all issues, topics, or facts
                    that may be relevant to our goals.  YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS
                    PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER
                    EXPRESSED OR IMPLIED. Websiteonthephone.COM DISCLAIMS ALL
                    WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY,
                    FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.
                    Websiteonthephone.COM DOES NOT WARRANT THAT THE FUNCTIONS
                    OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR
                    ERROR-FREE, WILL MEET YOUR EXPECTATIONS, THAT DEFECTS WILL
                    BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES
                    IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
                    Websiteonthephone.COM DOES NOT WARRANT OR MAKE ANY REPRESENTATION
                    REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS
                    OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE
                    TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND Websiteonthephone.COM
                    MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT
                    Websiteonthephone.COM, ASSUME THE ENTIRE COST OF ALL NECESSARY
                    SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS
                    OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT.
                    Websiteonthephone.COM MAKES NO WARRANTIES THAT YOUR USE OF
                    THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES
                    NO LIABILITY OR RESPONSIBILITY OR ERRORS OR OMISSION IN SUCH
                    CONTENT.  All of the information in this site, whether historical
                    in nature or forward-looking, speaks only as of the date
                    the information is posted on this site, and Websiteonthephone.COM
                    does not undertake any obligation to update such information
                    after it is posted or to remove such information from this
                    site if it is or is no longer, accurate or complete.  Limitation On Liability Websiteonthephone.COM, ITS SUBSIDIARIES, AFFILIATES, Websiteonthephone.COM's
    SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS
    WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL,
    CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE
    OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN
    IF Websiteonthephone.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
    IN NO EVENT WILL THE COLLECTIVE LIABILITY OF Websiteonthephone.COM AND ITS
    SUBSIDIARIES, AFFILIATES, Websiteonthephone.COM's, SERVICE PROVIDERS, CONTENT
    PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS
    OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE
    GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO Websiteonthephone.COM FOR
    THE APPLICABLE CONTENT OR SERVITUDE OF WHERE LIABILITY AROSE.
 Indemnity You will indemnify and hold Websiteonthephone.COM, its subsidiaries, affiliates,
    Websiteonthephone.COM's, content providers, service providers, employees,
    agents, officers, directors, and contractors (the “Indemnified Parties”)
    harmless from any breach of these Terms of Use by you, including any use
    of Content other than as expressly authorized in these Terms of Use. You
    agree that the Indemnified Parties will have no liability in connection with
    any such breach or unauthorized use, and you agree to indemnify any and all
    resulting loss, damages, judgments, awards, costs, expenses, and attorneys'
    fees of the Indemnified Parties in connection therewith. You will also indemnify
    and hold the Indemnified Parties harmless from and against any claims brought
    by third parties arising out of your use of the information accessed from
    this site.
 Trademarks Trademarks, service marks, and logos appearing in this site are the property
    of Websiteonthephone.COM or the party that provided the trademarks, service
    marks, and logos to Websiteonthephone.COM. Websiteonthephone.COM and any
    party that provided trademarks, service marks, and logos to Websiteonthephone.COM
    retain all rights with respect to any of their respective trademarks, service
    marks, and logos appearing in this site.
 Protection of Children Websiteonthephone.COM is concerned about the safety and security of its Users,
    especially children. Accordingly, Users of the Services must be 13 years
    of age or older. Parents or guardians who wish to allow their children under
    the age of 13 access and use of the Services, must expressly agree to all
    of the following conditions: (i) they are 18 years of age or older and a
    User of the Services; (ii) they are the parent or legal guardian of the child;
    and (iii) they will at all times monitor or otherwise supervise their child's
    use of the Services so as to protect them from Content, material and communications
    that are offensive, indecent, objectionable, harmful or dangerous. User further
    understands, acknowledges and agrees that by allowing a child to use the
    Services, they are allowing access to e-mail, message boards, chat and other
    material and Content that may be harmful or dangerous to children. Under
    no circumstances will Websiteonthephone.COM or its suppliers be liable for
    any losses, damages or consequences whatsoever as a result of a child's access
    to the Services. Websiteonthephone.COM hereby notifies you pursuant to 47
    U.S.C. Section 230(d) that parental control notifications are commercially
    available that may assist you in limiting access to materials that may be
    harmful or dangerous to minors.
 Price Changes & Payment Policy You expressly understand, acknowledge and agree with the fees being charged
    for the Services and hereby authorize Websiteonthephone.COM to automatically
    charge your credit card, debit your bank account or post all such fees to
    your phone bill. If Websiteonthephone.COM is unable to process said fees
    to your credit card, successfully complete a bank draft, or transfer said
    fees to your telephone bill then this Agreement shall automatically terminate
    and your Web site and Services will be deactivated. All fees for the Services
    are payable in U.S. dollars. Websiteonthephone.COM may, in its sole and absolute
    discretion, adjust upward or downward the fees it charges for the Services
    at any time for any reason, with out prior notice.
 Cancellation Policy Websiteonthephone.COM offers a seven (7) day unconditional free-trial period
    from the date of purchase and activation of the Services. If for any reason,
    you are not entirely satisfied with the product(s) at any time during or
    after this seven (7) day period, you may cancel the purchase and no new charges
    will be assessed to your account from the verified date of cancellation forward.
    No refunds shall be made for any reason. All amounts owed for services rendered
    prior to the verified cancellation date must be paid in full. Due to account
    security and privacy concerns, all billing related questions and cancellation
    requests MUST be made via the toll-free Customer Service line at 1-888-932-7932.
    Cancellation requests will only be processed if made by the initial authorizing
    party and if received via the toll-free Customer Service line mentioned above.
    Cancellation requests made via email, fax or live chat will not be honored
    due to the aforementioned account security and privacy concerns. A cancellation
    fee of $150 is applicable if the contract is terminated before 12 months.
 Information You Provide Websiteonthephone.COM has no obligation to screen the activity of, or Content
    provided by, Users of the Services. Websiteonthephone.COM and its suppliers,
    however, reserve the right to monitor and terminate any User, including deactivation
    of their site(s), whom they believe, in their sole and absolute discretion,
    offer goods or services, or uses the Services to transmit, convey, display,
    post, e-mail, upload, download or otherwise make available or materials,
    that:
 You may not post, send, submit, publish, or transmit in
                    connection this site any material that:  You do not have the right to post, including proprietary
                    material of any third party;  Advocates illegal activity or discusses an intent to commit
                    an illegal act;  Is vulgar, obscene, pornographic, or indecent;  Does not pertain directly to this site;  Threatens or abuses others, libels, defames, invades privacy,
                    stalks, is obscene, pornographic, racist, abusive, harassing,
                    threatening or offensive;  Seeks to exploit or harm children by exposing them to inappropriate
                    content, asking for personally identifiable details or otherwise;  Infringes any intellectual property or other right of any
                    entity or person, including violating anyone's copyrights
                    or trademarks or their rights of publicity;  Violates any law or may be considered to violate any law;  Impersonates or misrepresents your connection to any other
                    entity or person or otherwise manipulates headers or identifiers
                    to disguise the origin of the content;  Advertises any commercial endeavor (e.g., offering for sale
                    products or services) or otherwise engages in any commercial
                    activity (e.g., conducting raffles or contests, displaying
                    sponsorship banners, and/or soliciting goods or services)
                    except as may be specifically authorized on this site; Use unsolicited or unauthorized advertising, promotional materials, junk mail, “spam” or
  any other form of promotional materials that are prohibited by applicable law
 Solicits funds, advertisers or sponsors;  Includes programs which contain viruses, worms and/or Trojan
                    horses or any other computer code, files or programs designed
                    to interrupt, destroy or limit the functionality of any computer
                    software or hardware or telecommunications;  Disrupts the normal flow of dialogue, causes a screen to
                    scroll faster than other users are able to type, or otherwise
                    act in a way which affects the ability of other people to
                    engage in real time activities via this site;  Includes MP3 format files;  Amounts to a ‘pyramid' or similar scheme;  Disobeys any policy or regulations established from time
                    to time regarding use of this site or any networks connected
                    to this site; or  Contains hyper-links to other sites that contain content
                    that falls within the description set forth above.  Websiteonthephone.COM reserves the rights to monitor use
                    of this site to determine compliance with these Terms of
                    Use, as well the right to remove or refuse any information
                    for any reason. Notwithstanding these rights, you remain
                    solely responsible for the content of your submissions. You
                    acknowledge and agree that neither Websiteonthephone.COM
                    nor any third party that provides Content to Websiteonthephone.COM
                    will assume or have any liability for any action or inaction
                    by Websiteonthephone.COM or such third party with respect
                    to any submission.  Security Any passwords used for this site are for individual use only. You will be responsible
    for the security of your password (if any). Websiteonthephone.COM will be
    entitled to monitor your password and, at its discretion, require you to
    change it. If you use a password that Websiteonthephone.COM considers insecure,
    Websiteonthephone.COM will be entitled to require the password to be changed
    and/or terminate your account. You will notify Websiteonthephone.COM immediately
    if you believe that the security of your account has been compromised. Websiteonthephone.COM
    AND ITS SUPPLIERS SHALL NOT BE LIABLE FOR LOSSES OR DAMAGES RESULTING FROM
    ANY SECURITY BREACHES.
 You are prohibited from using any services or facilities
                    provided in connection with this site to compromise security
                    or tamper with system resources and/or accounts. The use
                    or distribution of tools designed for compromising security
                    (e.g., password guessing programs, cracking tools or network
                    probing tools) is strictly prohibited. If you become involved
                    in any violation of system security, Websiteonthephone.COM
                    reserves the right to release your details to system administrators
                    at other sites in order to assist them in resolving security
                    incidents. Websiteonthephone.COM reserves the right to investigate
                    violations of these Terms of Use.  Websiteonthephone.COM reserves the right to fully cooperate
                    with any law enforcement authorities or court order requesting
                    or directing Websiteonthephone.COM to disclose the identity
                    of anyone posting any e-mail messages, or publishing or otherwise
                    making available any materials that are believed to violate
                    these Terms of Use. BY ACCEPTING THIS AGREEMENT YOU WAIVE
                    AND HOLD HARMLESS Websiteonthephone.COM FROM ANY CLAIMS RESULTING
                    FROM ANY ACTION TAKEN BY Websiteonthephone.COM DURING OR
                    AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS
                    TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER Websiteonthephone.COM
                    or LAW ENFORCEMENT AUTHORITIES.  Communications from Websiteonthephone.COMYou agree to receive all communications from Websiteonthephone.COM,
                    whether via telephone, facsimile, or e-mail, and expressly
                    agree not to consider any such communication(s) as unsolicited.
                    Refusal to receive such communications from Websiteonthephone.COM
                    will constitute grounds for termination of this Agreement
                    and deactivation of your Web site.
 Termination at Will Either Party may terminate this Agreement, for any reason whatsoever, with
    thirty (30) days written notice to the other Party. Users wishing to terminate
    this Agreement and cancel the Services should contact Customer Service at
    1-888-932-7932. A cancellation fee of $150 will be applicable if the contract
    is terminated before the initial period of 12 months.
 Termination For Cause Websiteonthephone.COM and its suppliers reserve the right to immediately terminate
    this Agreement and deactivate your Web site and Services if they believe,
    in their sole and absolute discretion, that you have: (i) violated, or threaten
    to violate, the terms of this Agreement; or (ii) created, or are creating,
    Web sites as a nuisance or in a deliberate attempt to degrade or otherwise
    interfere with the Services. Any User who is terminated for cause under this
    Section and whose Web site and Services have been deactivated hereby agrees
    to forfeit any and all rights, claims and/or causes of action against Websiteonthephone.COM
    and its suppliers, including without limitation your rights to any refunds,
    or for any losses, expenses, damages or costs incurred as a result of such
    termination and deactivation.
 MiscellaneousThese Terms of Use will be governed and interpreted
                    pursuant to the laws of Texas, United States of America,
                    notwithstanding any principles of conflicts of law. You specifically
                    consent to personal jurisdiction in Texas in connection with
                    any dispute between you and Websiteonthephone.COM arising
                    out of these Terms of Use or pertaining to the subject matter
                    hereof. The parties to these Terms of Use each agree that
                    the exclusive venue for any dispute between the parties arising
                    out of these Terms of Use or pertaining to the subject matter
                    of these Terms of Use will be in the state and federal courts
                    in Houston, Texas. If any part of these Terms of Use is unlawful,
                    void or unenforceable, that part will be deemed severable
                    and will not affect the validity and enforceability of any
                    remaining provisions. These Terms of Use constitute the entire
                    agreement among the parties relating to this subject matter.
                    Notwithstanding the foregoing, any additional terms and conditions
                    on this site will govern the items to which they pertain.
                    Websiteonthephone.COM may revise these Terms of Use at anytime
                    by updating this posting.
 Last updated: July 15th, 2004    |  |