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By using the BUYandHOLD website in any manner you agree to the following terms and conditions. CUSTOMERS OF THE WEBSITE WILL ALSO BE REQUIRED TO COMPLETE AN ACCOUNT APPLICATION AGREEMENT, INCLUDING THE CUSTOMER AGREEMENT, PRIOR TO USING ANY FEATURES OF THE WEBSITE OR OPENING AN ACCOUNT.

Copyrights and Restrictions of Use

All the content on this website, including all the text, graphics, photographs, graphs, sounds, data, images, audio and video clips available on this website ("Content"), is the property of Freedom Investments, Inc., or its content suppliers and protected by U.S. and international copyright laws. The compilation, collection, selection, arrangement, assembly, and coordination of all Content available on this website is the exclusive property of Freedom Investments, Inc. and is also protected by U.S. and international copyright laws.

All Content available on this website may only be used by you for your personal non-commercial use. You may download, display or print one copy of selected portions of the Content, provided that such copy is only for your personal use, and is not to be altered in any way and must contain the following copyright notice: "Copyright ? 1999 - 2002 Freedom Investments. All Rights Reserved." and any other copyright or other proprietary rights notices which were contained on such content on the website. Any other use, including but not limited to, the reproduction, modification, distribution, transmission, republication, display or performance of the Content for any other purposes is strictly prohibited. You acquire no proprietary rights in this or any other Freedom Investments websites.

Trademarks

"BUYandHOLD," "The Online Broker for Long Term Investors," the Acorn logo and other graphics, logos and service marks are trademarks of Freedom Investments. Freedom Investments'' trademarks may not be used in connection with any third-party products or services or in any manner that disparages or discredits Freedom Investments or its suppliers. All other product and company names on this website may be trademarks of their respective owners.

Disclaimer of Warranty

THE CONTENT CONTAINED IN THIS WEBSITE IS PROVIDED BY FREEDOM INVESTMENTS AS A SERVICE TO ITS CUSTOMERS. THE INFORMATION, SERVICES, CONTENT, AND PRODUCTS CONTAINED IN THIS WEBSITE ARE PROVIDED "AS IS, AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMISSIBLE BY APPLICABLE LAW, FREEDOM INVESTMENTS, ITS AFFILIATES AND ITS CONTENT SUPPLIERS DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY MATTER RELATING TO THIS WEBSITE AND BUYANDHOLD'S SERVICES, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

THIS WEBSITE DOES NOT CONTAIN INFORMATION ABOUT ALL SECURITIES, INVESTMENT TECHNIQUES OR OBJECTIVES, NOR DOES THIS WEBSITE CONTAIN ALL FINANCIAL AND OTHER INFORMATION THAT MAY BE RELEVANT. CERTAIN CONTENT PROVIDED IN THIS WEBSITE IS GENERAL INFORMATION RELATING TO THE "BUY AND HOLD" LONG-TERM STRATEGY OF INVESTING AND IS ONLY INTENDED TO INCREASE YOUR AWARENESS ABOUT THIS INVESTMENT STRATEGY. SUCH CONTENT AND OTHER CONTENT ON THE WEBSITE IS NOT INTENDED TO BE A REPLACEMENT FOR FURTHER RESEARCH OF OTHER INVESTMENT STRATEGIES OR OTHER SOURCES OF FINANCIAL INFORMATION AND SHOULD NOT BE USED AS A SUBSTITUTE FOR SEEKING PROFESSIONAL INVESTMENT ADVICE OR CONDUCTING FURTHER RESEARCH ON YOUR OWN.

EXCEPT AS EXPRESSLY AND UNAMBIGUOUSLY STATED OTHERWISE, FREEDOM INVESTMENTS DOES NOT ENDORSE, CONTROL, OR ASSUME RESPONSIBILITY FOR THE SECURITIES OF ANY COMPANY SOLD OVER THE WEBSITE, OR FOR THE INVESTMENT ADVICE OF ANY FINANCIAL ADVISOR PUBLISHED ON THE WEBSITE.

THE BUYANDHOLD WEBSITE INCLUDES CONTENT PROVIDED BY THIRD PARTIES AND USERS. FOR SUCH CONTENT, THE BUYANDHOLD WEBSITE AND FREEDOM INVESTMENTSEACH IS A DISTRIBUTOR AND NOT A PUBLISHER. ANY OPINIONS, ADVICE, STATEMENTS, SERVICES, OFFERS, OR OTHER INFORMATION EXPRESSED OR MADE AVAILABLE BY THIRD PARTIES (INCLUDING MERCHANTS AND LICENSORS) ARE THOSE OF THE RESPECTIVE AUTHORS OR DISTRIBUTORS OF SUCH CONTENT AND NOT OF FREEDOM INVESTMENTS OR ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS. THERE ARE NO WARRANTIES EXPRESS OR IMPLIED MADE AS TO THE COMPLETENESS, ACCURACY, CURRENCY, OR RELIABILITY OF INFORMATION PUBLISHED BY FREEDOM INVESTMENTS.

YOU ACKNOWLEDGE, BY YOUR USE OF THIS WEBSITE, THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL RISK ASSOCIATED WITH ANY OF YOUR USE OF THIS WEBSITE, INCLUDING RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE OF THIS WEBSITE.


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Limitation on Liability

AS PARTIAL CONSIDERATION FOR YOUR USE OF AND ACCESS TO THIS WEBSITE, YOU AGREE THAT IN NO EVENT WILL: (I) FREEDOM INVESTMENTS OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS WEBSITE, CONTENT, OR ANY SITE LINKED TO THIS WEBSITE, BE LIABLE TO YOU IN ANY MANNER WHATSOEVER FOR ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU IN RELIANCE UPON THE INFORMATION PROVIDED THROUGH THIS WEBSITE; AND (II) FREEDOM INVESTMENTS OR ITS CONTENT SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, WHETHER OR NOT SUCH DAMAGES WERE FORESEEABLE AND EVEN IF FREEDOM INVESTMENTS HAS BEEN ADVISED THAT SUCH DAMAGES WERE LIKELY OR POSSIBLE.

Remedy of Defects

You agree to provide notice to Freedom Investments of any defect in the website. Freedom Investments may, in its sole discretion, correct such defect. YOUR SOLE REMEDY IN THE EVENT FREEDOM INVESTMENTS DECLINES TO CORRECT ANY DEFECT IS TO CEASE USE OF THE WEBSITE.

Privacy

These Legal Terms incorporate Freedom Investments' Privacy & Security Policy.

Linking to this Website

You may only link to this website by linking to BUYandHOLD's homepage (www.buyandhold.com). Linking directly to any other web page or content within this website is prohibited without Freedom Investments' prior written permission. In addition, a Website that links to this website: (a) may link to, but not duplicate, the website content; (b) may not create a frame or other border around the website content; (c) may not imply that Freedom Investments is endorsing it or its services or products; (d) may not misrepresent its relationship with or otherwise create a false affiliation, connection or association with Freedom Investments; and (e) may not use the BUYandHOLD trademarks, service marks, colors, logos or any other brand features of BUYandHOLD, without the express written permission of Freedom Investments.

Links To Third Party Sites

The BUYandHOLD website contains links to third-party websites on the Internet. BUYandHOLD provides these links to these websites only as a convenience to users of the website. Links on the BUYandHOLD website are not endorsements by BUYandHOLD or Freedom Investments, implied or express, of the linked sites or any products, services or links in such sites; and no information in such sites has been endorsed or approved by BUYandHOLD. Linked sites are not under the control of BUYandHOLD or Freedom Investments, and we are not responsible for the contents of any linked site or any link contained in a linked site. No information contained in the BUYandHOLD website or accessed through any linked site, or any link contained in a linked site, constitutes a recommendation by BUYandHOLD or Freedom Investments to buy, sell or hold any security, financial product or instrument. Information accessed through linked sites is not, nor should be construed as, an offer or a solicitation of an offer, to buy or sell securities by BUYandHOLD or Freedom Investments. BUYandHOLD does not offer or provide any investment advice or opinion regarding the nature, potential, value, suitability or profitability of any particular security, portfolio of securities, transaction or investment strategy, and any investment decisions you make will be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance, and liquidity needs.

Your Submissions

Freedom Investments appreciates hearing from its customers. You acknowledge and agree that by submitting any creative ideas, inventions, suggestions or materials (your "submission") you grant Freedom Investments a royalty-free, perpetual and irrevocable, license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform and display your submission (in whole or in part) worldwide and to incorporate your submission in other works in any form, media, or technology now known or later developed without any notice or compensation to you.

Changes and Applicable Law; Arbitration

We reserve the right to make changes to our website and these terms and conditions at any time. We encourage you to review the website and these terms periodically for any updates or changes. Your continued access or use of our website shall be deemed your acceptance of these changes and the reasonableness of these standards for notice of changes. Use of the BUYandHOLD website and purchases of securities and products through BUYandHOLD, a division of Freedom Investments shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding between you and Freedom Investments shall be brought exclusively in a federal or state court of competent jurisdiction sitting in New York County, New York. CUSTOMERS OF THE WEBSITE WILL BE REQUIRED TO COMPLETE AND ENTER INTO AN ACCOUNT APPLICATION AGREEMENT, INCLUDING THE CUSTOMER AGREEMENT, PRIOR TO USING ANY FEATURES OF THE WEBSITE OR OPENING AN ACCOUNT. THE CUSTOMER AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE WHICH IS BINDING ON CUSTOMERS.

If any provision of this Agreement is held to be illegal or unenforceable, then such section shall be eliminated or limited to the minimum extent necessary and the remainder (including any revised portion of the agreement) shall remain and have full force and effect.

On-Line Investing Generally

At Freedom Investments, we believe investors should fully understand all aspects of online investing - both the potential risks and the potential rewards. For this reason, we encourage you to read the brochure published by the National Association of Securities Dealers titled, "Possibilities & Pitfalls at http://www.nasdr.com/2580.htm.  We also encourage you to visit these other Regulatory sponsored sites:
Investor Resources at http://www.nasdr.com/2500.htm#Investor Awareness.
Investor Education and Assistance at http://www.sec.gov/oiea1.htm.
The Internet and Online Trading at http://www.sec.gov/investor/online.shtml.



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