The Investor Direct and its associated Internet sites (The Investor) are not intended to take the place of an investment advisor. The materials, tools, comments, and suggestions delivered through The Investor are available in an open structure from a wide range of sources. This open "club" of "chat room" type structure will inevitably introduce inaccurate and/or misleading information. It is your sole responsibility to substantiate all information you are relying on to make your investment decisions. It is The Investor’s intent, through its open structure, to permit the free-flow of information for the benefit of its members and visitors. The Investor staff will, from time to time, contribute materials, tools, and comments. The Investor staff lays no claim to its expertise and materials, tools, and comments and thus the adequacy and accuracy of these products should be verified as one would do for materials, tools, and comments provided by The Investor members and visitors. It is not possible to confirm the source of all products delivered for presentation by The Investor.

If you have questions on basic guidelines for investing or concerns about potential investor fraud, you should be aware of the information services available at the following extensive Internet sites. You may want to visit these sites periodically.

U.S. Securities and Exchange Commission – Investor Education and Assistance, providing investors with the information they need to invest wisely and avoid securities fraud and abuse.

Additional investor guidance can be found at the extensive site of the National Association of Securities Dealers Regulation, Inc.

National Association of Securities Dealers Regulation, Inc. - The securities industry's primary self-regulator for the ultimate benefit and protection of investors.

The National Consumers League’s National Fraud Information Center (NFIC) with an Internet Fraud Watch was launched in March of 1996 enabling the NFIC to expand its services to help consumers distinguish between legitimate and fraudulent promotions in cyberspace and route reports of suspected fraud to the appropriate law enforcement agencies.

The Investor, Inc. can not be responsible for human or technological errors displayed at its Internet sites or publications. All information is provided "as is" and without warranty of any kind.

The Investor, Inc. shall be liable only if its staff has conducted itself in a willfully malicious manner. The Investor, Inc. can not be responsible for the behavior or products provided by its members, subscribers, visitors, or general public.

The Investor, Inc. and its affiliates shall not be liable to users and/or any third party for any lost profits or lost opportunity, direct or indirect, or punitive damages whatsoever, regardless of whether The Investor, Inc. has been advised of the possibility of such damages.

Do not use the services of The Investor, Inc. unless you accept the terms expressed in this "Disclaimer". Use of any of the services provided by The Investor, Inc. deems acceptance of these terms.