TERMS OF USE and NOTICES

Welcome to the Fountain Financial Guidance Web site. Please review the following terms and conditions concerning your use of this site. By accessing, using or downloading materials from this Web site you agree to follow and be bound by these terms and conditions.

COPYRIGHT INFORMATION

Copyright © 2004 Fountain Financial Guidance , All Rights Reserved.

Use of Web Site Information

You may download, view, copy and print documents and graphics incorporated in these documents (the "Documents") from this Web site subject to the following: (1) the Documents may be used solely for personal, informational, non-commercial purposes; and (2) the Documents may not be modified or altered in any way. Except as expressly provided herein, you may not use, download, upload, copy, print, display, perform, reproduce,create derivative works from, publish, license, post, transmit or distribute any information from this Web site in whole or in part without the prior written permission of Fountain Financial Guidance. You may not sell any information, software, products or services obtained from this Web site in whole or in part without the prior written permission of Fountain Financial Guidance.

Use of Software

Any use of software and accompanying documentation from this Web site is subject to the terms of a software license agreement between you and Fountain Financial Guidance. You must read the license agreement and indicate your agreement to its terms prior to installing or using the software. All rights, title and interest not expressly granted are reserved.

TRADEMARK INFORMATION

Fountain Financial Guidance is a trademark and other Fountain Financial Guidance product names, service names, slogans or logos referenced in this Web site are trademarks or registered trademarks of Fountain Financial Guidance. All other company, product or service names referenced in this Web site are used for identification purposes only and may be trademarks of their respective owners.

FEEDBACK

Except where expressly provided otherwise by Fountain Financial Guidance, all comments, feedback, information or materials submitted to Fountain Financial Guidance through or in association with this Web site shall be considered non-confidential and Fountain Financial Guidance's property. By submitting such comments, feedback, information or materials to Fountain Financial Guidance, you agree to a no-charge assignment to Fountain Financial Guidance of all worldwide rights, title and interest in copyrights and other intellectual property rights to the comments, feedback, information or materials. Fountain Financial Guidance shall be free to use such comments, feedback, information or materials on an unrestricted basis.

LINKS TO THIRD PARTY SITES

This Web site may contain hyperlinks to Web sites controlled by parties other than Fountain Financial Guidance. Fountain Financial Guidance is not responsible for and does not endorse the contents or use of these Web sites.

WARRANTIES AND DISCLAIMERS

THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES CONTAINED ON THIS WEB SITE MAY BE OUT OF DATE OR INCLUDE OMMISSIONS, INACCURACIES OR OTHER ERRORS. EXCEPT WHERE EXPRESSLY PROVIDED OTHERWISE IN AN AGREEMENT BETWEEN YOU AND FOUNTAIN FINANCIAL GUIDANCE, ALL INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. FOUNTAIN FINANCIAL GUIDANCE HEREBY DISCLAIMS ALL WARRANTIES WITH RESPECT TO THIS INFORMATION, SOFTWARE, PRODUCTS AND SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL FOUNTAIN FINANCIAL GUIDANCE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT OR TORT, ARISING FROM YOUR ACCESS TO, OR USE OF, THIS WEB SITE. FOUNTAIN FINANCIAL GUIDANCE RESERVES THE RIGHT TO MAKE CHANGES OR UPDATES TO THIS WEB SITE AT ANY TIME WITHOUT NOTICE.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Web site, you warrant to Fountain Financial Guidance that you will not use this Web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

ACCESS RESTRICTION

Fountain Financial Guidance reserves the right to deny in its sole discretion any user access to this Web site or any portion thereof without notice.

MODIFICATION OF THESE TERMS AND CONDITIONS

Fountain Financial Guidance reserves the right to change the terms, conditions, and notices under which this Web site is offered.

GOVERNING LAW AND JURSIDICTION

This Web site is controlled by Fountain Financial Guidance. All matters relating to your access to, or use of, this Web site shall be governed by United Kingdom laws. You may not access, download, use or export the information, software, products or services contained on this Web site in violation of United Kingdom export laws or regulations, or in violation of any applicable local laws or regulations.