THIS AGREEMENT DESCRIBES YOUR RIGHTS AND RESPONSIBILITIES. PLEASE READ IT CAREFULLY. BY COMPLETING THE PURCHASE PROCESS, YOU AGREE TO THE TERMS OF THIS SUBSCRIBER AND IT IS SYNONYMOUS AS A SIGNATURE OF TO AGREEMENT.

1. SCOPE OF AGREEMENT

Under this Agreement ("Agreement"), Follow the Money Trail, LLC ("we", "our" or "us") makes available on-line financial information and products (the "Products/Services") to registered subscribers or authorized users ("you", "your", "user", "users", or "subscriber"). By completing the purchase of any one of our Product/Service; or if you use the Product/Service in any manner; or if you click CONTINUE when logging in with your User ID and Password; by performing any of these actions you agree to be bound by this Agreement. The term "use" means the use and availability of, access to, transmission to or from or any exchange of information or communication in connection with or arising from the Product/Service.

This is the entire agreement between you and Follow the Money Trail, LLC, superseding prior agreements with any other entity regarding the proprietary technology of Follow the Money Trail, LLC or any products related therein. Whenever new products or services become available, your use of them will be under this Agreement unless we notify you otherwise. You must comply with any additional terms which apply to third-party content, software or other services. We may change this Agreement at any time pursuant to the terms of this Agreement. You can read a current copy of this Agreement any time by selecting "Subscriber Agreement" link available on our web site at http://www.FollowTheMoneyTrail.com. If any change is not acceptable, you may terminate your subscription as described below, but using the Product/Service after this Agreement has been changed means you accept the changes.

2. NATURE OF SERVICE

Follow the Money Trail, LLC is neither an investment advisory service nor an investment advisor. Follow the Money Trail, LLC does not purport to tell people, or suggest to people, whether to buy or sell securities nor what they should buy or sell for themselves. Neither Follow the Money Trail, LLC nor anyone affiliated with Follow the Money Trail, LLC is responsible for any investment decision made by users. Users should always read the corresponding prospectus, check with their licensed financial advisor and their tax advisor to determine the suitability of any investment. Furthermore, the passage of time can render all things stale, and Follow the Money Trail, LLC is not responsible for any misconceptions which may result from the reading of dated material. You should carefully check the dates of issuance of the information provided by Follow the Money Trail, LLC

The information contained within this web site proprietary. While Follow the Money Trail, LLC strives to present accurate and useful information, it makes no guarantee of accuracy or completeness.

3. SUBSCRIPTION INFORMATION

You may not use the Product/Service without a valid subscription from Follow the Money Trail, LLC. To obtain a subscription, you must purchase our Product/Service via our Subscribe Page or call Follow the Money Trail, LLC directly. Completing your purchase through Follow the Money Trail, LLC is the only way to assure that the stock picks are genuine Follow the Money Trail Black Box picks.

You will provide us with accurate registration information and advise us promptly of any changes. By subscribing to the Product/Service, you represent and warrant that all registration information that you provide is true, complete, and accurate, and you agree to notify us promptly of any changes to the information. In the event that a subscriber intentionally or knowingly provides inaccurate information, this Agreement may be terminated immediately by us at our discretion and without notice. When you purchase, you will receive a user name and password. You may not select a password which violates anyone's rights or one, in our sole discretion, we consider offensive, improper or inappropriate. If you do, we can modify or delete it.

4. PASSWORD DISCLOSURE

Your username and password are for your personal use only, and you agree to keep them secret and not to share them with anyone. Subscribers shall take any and all actions necessary to maintain the privacy of his or her password. In the event you suspect misuse of your password, please notify Follow the Money Trail at memberservices@followthemoneytrail.com immediately. You are responsible for all use, activities, and charges associated with or arising from any use of your username and password, regardless of whether you authorized such use.

5. PRICING INFORMATION

You can obtain prices of Products/Services on our Products Page. We reserve the right to change fees, surcharges, or other periodic subscription fees or to institute new fees at any time.

Subscription payments for our regular fee-based Products/Services are due immediately unless an installment plan is stipulated on the Products Page. Each Product/Service indicates the length of that particular subscription. If you have requested automatic renewal, your subscription will automatically renew for successive renewal terms of the same duration unless you terminate your subscription before the start of any such renewal term. By subscribing to our Product/Service, you agree to pay in full per product price or installment allowance. Use of the product/service, including logging in with your user name and password, constitutes acceptance of and satisfaction with the Product/Service. Subscription fees charged are non-refundable.

Subscription fees will be based upon the subscription rates in effect at the start of each subscription term and apply whether or not you actually use the Service during that term. Follow the Money Trail, LLC reserves the right to raise its prices without giving notice.

NO REFUNDS WILL BE ISSUED. WE RESERVE THE RIGHT, AT ANY TIME AND FROM TIME TO TIME, TO CHANGE OUR SUBSCRIPTION FEES AND BILLING METHODS OR SEPARATE CHARGES FOR INFORMATION, MATERIAL (DEFINED BELOW) OR SERVICES. WE WILL USE COMMERCIALLY REASONABLE EFFORTS TO NOTIFY YOU OF ANY SUCH CHANGES IN ADVANCE AND IF ANY CHANGES ARE NOT ACCEPTABLE, YOU MAY TERMINATE YOUR SUBSCRIPTION AS DESCRIBED BELOW.

6. RIGHTS AND RESPONSIBILITIES

The Product/Service may present information, data, content, news, reports, programs, video, audio and other materials and services, communications, transmissions and other items, tangible or intangible, which are referred to as “Material”. Material can be furnished, made available and/or accessible from one party to another and it can be perceived either directly or with the aid of a machine, program or device and can be owned by us, provided through an arrangement we have with others or may be accessed through use of the Product/Service. You have no rights in or to the Material and you will not use Material, except as permitted under this Agreement. You will not violate our rights, the rights of any third party or any laws and regulations.

Unless we give you written permission, you may only use and access, download and copy our Material (and print out one copy) for your own use, keeping all our copyright and other notices on the Material. You may not do or allow anyone else use or to do anything with the Material which is not specifically permitted in this Agreement. You agree to comply with all notices and requirements accompanying third-party Material.

You may not use or allow others to use, your subscription, user name, password or the Product/Service, directly or indirectly. Your subscription is personal to you, and you may not transfer or share your subscription with any other person. You may not upload, distribute, transmit, communicate, link to, publish or access any material or information through, using or otherwise in connection with the Product/Service, that: (a) is libelous, defamatory, vulgar or obscene, pornographic, sexually offensive or explicit, harmful or harassing, threatening, hateful, racially, culturally, ethnically or otherwise objectionable or offensive, discriminatory or abusive; (b) violates any law or regulation or the rights of others; (c) causes duress, distress or discomfort to another; or (c) infringes any intellectual property, proprietary rights or confidentiality obligations of others. You are solely responsible and liable for any such activity or conduct. We have no liability and you bear the sole and exclusive risk associated with use of or reliance on the accuracy, completeness, timeliness or usefulness of any Material in connection with your subscription, user name or password. Although we do not pre-screen, we reserve the unconditional right to remove Material we consider harmful, offensive, in violation of law, regulation or any agreement.

You also may not use, nor allow others to use, your subscription, user name, password or the Product/Service, directly or indirectly, to: (a) attempt to or actually disrupt, impair or interfere with, alter or modify the Product/Service or any Material; (b) act in a way that affects or reflects negatively on us, the Product/Service, or any other; (c) transmit or communicate any advertising, promotion or solicitation; (vi) collect or attempt to collect any information of others, including passwords, account or other information.

7. USE LIMITATION

Subscriber acknowledges that his or her right to use this web site and other products or services offered by Follow the Money Trail, LLC is subject to the terms and conditions of this Agreement, is personal to subscriber and is not transferrable by assignment, sublicense, or any other method to any other person or entity. Any attempt to transfer subscriber's right to use this web site is void and shall constitute a breach of this Agreement. Subscriber's use of the site is limited to the Subscriber's own use. Subscribers may not modify, copy, distribute, retransmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from this web site.

8. INFORMATION ABOUT YOU

"Personal information" means any information relating to your subscription and use of the Product/Service and which specifically identifies you or your account. We may store and use your personal information for our own internal purposes and we reserve the right to access, monitor and retrieve password-protected information for compliance with this Agreement. We will not disclose your personal information, except as described in this Agreement or our Privacy Statement available at http://www.FollowTheMoneyTrail.com. In our sole discretion, we still reserve the right to make exceptions as to the disclosure of your personal information whenever we believe an emergency, illegal activity or some other reasonable basis exists for notifying or providing such information to the appropriate authorities. We sometimes aggregate information about our subscribers and you agree we can make such statistical information available to others. Furthermore, Follow the Money Trail, LLC reserves the right to collect and distribute demographic information to advertisers or other third parties. While Follow the Money Trail, LLC will seek to require third-party content providers and other parties to adhere to Follow the Money Trail, LLC's privacy policies, Follow the Money Trail, LLC does not bear any responsibility for any actions or policies of such third parties.

9. LIMITED LIABILITY AND WARRANTY

You are entirely liable for activities conducted by you or anyone else in connection with your subscription and use of the Product/Service. You must keep your user name and password secret and not disclose it to others. You may not allow others to use the Product/Service, your subscription, user name or password. If you do, you: (i) assume all responsibility and liability associated with such use; and (ii) indemnify and hold us harmless for any such use.

THE INFORMATION AT THIS WEB SITE MAY CONTAIN BUGS, VIRUSES, ERRORS, PROBLEMS OR OTHER LIMITATIONS. FOLLOW THE MONEY TRAIL, LLC ASSUMES NO LIABILITY AND SHALL NOT BE RESPONSIBLE FOR ANY ERRORS OR OMISSIONS WITH RESPECT TO THE FUNCTIONING OF, OR THE CONTENT AT THIS WEB SITE AND RESERVES THE RIGHT TO MAKE CHANGES TO THIS WEB SITE AT ANY TIME WITHOUT NOTICE. MOREOVER, FOLLOW THE MONEY TRAIL, LLC DOES NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS OR OTHER CHARACTERISTICS OF ANY MATERIAL AVAILABLE ON OR THROUGH OUR SERVICE. WE WILL NOT BE LIABLE FOR ANY LOSS OR INJURY RESULTING DIRECTLY OR INDIRECTLY FROM OUR SERVICE, WHETHER OR NOT CAUSED IN WHOLE OR IN PART BY OUR NEGLIGENCE OR BY CONTINGENCIES BEYOND OUR CONTROL. NEITHER WE, NOR OUR SUPPLIERS, ARE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY LOSS OR DAMAGE CAUSED BY USE OF OR RELIANCE ON OR INABILITY TO USE OR ACCESS ANY OF OUR SERVICES, MATERIAL, CONTENT, INFORMATION, GOODS OR SERVICES.

YOUR ACCESS TO AND USE OF OUR SERVICE, IS AT YOUR SOLE RISK AND ARE PROVIDED "AS IS," "AS AVAILABLE,” AND YOUR USE THERE IN IS “AT WILL”. THE SERVICE IS FOR YOUR PERSONAL USE ONLY AND WE MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. FOLLOW THE MONEY TRAIL, LLC DISCLAIMS ALL RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES CONTAINED WITHIN THE ELECTRONIC FILES AT THE WEB SITE.

OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO THE SERVICE OR OTHERWISE, IS REPLACEMENT OF DEFECTIVE GOODS OR REPERFORMANCE OF DEFECTIVE SERVICES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF LIABILITY, IN THOSE JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE EXTENT PERMITTED BY LAW. WE DO NOT ENDORSE, WARRANT OR GUARANTEE ANY MATERIAL, PRODUCT OR SERVICE OFFERED THROUGH US OR OUR SERVICE. WE ARE NOT AND WILL NOT BE A PARTY TO ANY TRANSACTION BETWEEN YOU AND ANY THIRD PARTY.

10. INDEMNIFICATION

You agree to defend, indemnify and hold us, our employees, agents, officers, directors, agents, contractors, suppliers and other representatives harmless from and against all liabilities, damages, claims, actions, costs and expenses (including attorneys' fees), in connection with or arising from your breach of this Agreement and/or your use of the Product/Service. We may, if necessary, participate in the defense of any claim or action and any negotiations for settlement. No settlement which may adversely affect our rights or obligations shall be made without our prior written approval. We reserve the right, at our own expense and on notice to you, to assume exclusive defense and control of any claim or action and then corresponding indemnification obligation will end.

11. LINKS TO THIRD-PARTY SITES

This web site may contain hyperlinks to other web sites operated by parties other than Follow the Money Trail, LLC, and other resources and advertisers. Such hyperlinks are provided for subscriber reference only. Follow the Money Trail, LLC is not responsible for the availability of these external sites nor is it responsible for any of the content, advertising, products, or other materials on such external sites. Follow the Money Trail LLC's inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators. Under no circumstances shall Follow the Money Trail, LLC be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused in connection with the use of or reliance on any content, goods, or services available on such external sites. Any concerns regarding any external link should be directed to its respective site administrator or webmaster.

12. TERMINATION

We or you can terminate your subscription for any reason at any time on 30 days prior notice. Termination is your sole right and exclusive remedy if you are not satisfied with our Product/Service. We can terminate this Agreement, restrict or terminate your access to and use of the Product/Service immediately and without notice or liability, if you breach this Agreement in any way, and it will not limit any other rights available to us.

You can terminate your subscription by notifying our Customer Support Department at 646.257.3507, or by sending your cancellation request via electronic mail to memberservices@FollowTheMoneyTrail.com or by regular mail to Follow the Money Trail, LLC, 525 Plymouth Road, Suite 310, Plymouth Meeting, PA, 19462, Attention: Subscription Cancellation. Termination will take effect no later than 30 days after we receive your notice. If your subscription is terminated, you will not be entitled to any refund or credit. Because logging in to the private subscriber area of this website grants you immediate access to our trade secrets and all of our current confidential stock selections, if you log in by clicking “continue” you agree that you have received the value and the access for which you paid your subscription fee, and that no refunds will be given by Follow the Money Trail, LLC or requested by you. Our refund policy allows for refunds only within three days after subscribing, and only if you have not accessed the private subscriber area of the website. If you access the above-mentioned information by logging in, your visit will be recorded and time and date stamped, and you will have accessed the confidential information for which you have subscribed. Any delinquent or unpaid amounts must be paid in full before you may re-register or re-subscribe to our Service. If your right to use the Service terminates, you may not use the Product/Service without our express written permission. You may not allow anyone else whose subscription was terminated to use the Product/Service through your subscription, user name or password.

13. GOVERNING LAW, INTERPRETATION AND JURISDICTION

If any term of this Agreement is held invalid, illegal or unenforceable, the remaining portions shall not be affected. The laws of the Commonwealth of Pennsylvania, excluding its conflicts-of-law rules, govern this Agreement, your subscription and use of our Product/Service. You must comply with all laws, regulations, obligations and restrictions which apply to you. You and we hereby irrevocably submit to the jurisdiction of any Pennsylvania court or United States Federal court sitting in Montgomery County over any action or proceeding arising out of or relating to this Agreement or any agreement contemplated hereby, and you and we irrevocably agree that all claims in respect of such action or proceeding may be heard and determined in such Pennsylvania or Federal court. You and we further agree that any action or proceeding brought against the other shall be brought only in Pennsylvania or United States Federal courts sitting in Montgomery County. YOU AND WE AGREE TO WAIVE OUR RIGHTS TO A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING OUT OF THIS AGREEMENT. This Agreement may not be modified, except as described in this Agreement. No failure or delay in enforcing any term, exercising any option or requiring performance, shall be a waiver of that or any other right.

14. MODIFICATION OF THESE TERMS AND CONDITIONS

Follow the Money Trail, LLc shall have the right at any time to impose, change, or modify the terms and conditions applicable to your use of this web site, or any part thereof, including, but not limited to, content, hours of availability, and equipment needed to access or use, and/or your use of the web site or any part thereof, or to impose new terms and conditions. Such changes, modifications, additions, or deletions shall be effective immediately upon posting on this web site a revised version of this Agreement. If any such change is unacceptable to you, you may terminate your membership account as provided in this Agreement. Any use of this web site by you after such notice (other than to terminate your subscription pursuant to the terms of this Agreement) shall conclusively be deemed to constitute acceptance by you of such changes, modifications, additions, or deletions. You agree to review the terms and conditions periodically to be aware of such revisions. You may also be subject to additional terms and conditions imposed by third-party content providers in connection with third-party content, software, or services.

15. COPY RIGHT AND LIMITATIONS ON USE

The information and content on this web site are the property of Follow the Money Trail, LLC or its licensors and are protected by copyright and other applicable laws, treaties, and conventions. All rights reserved. Information received through this web site may be displayed, reformatted, and printed for your own use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast, or circulate the information obtained from this web site to anyone, including but not limited to others in the same company or organization, without the express prior written consent of Follow the Money Trail, LLc. Furthermore, Follow the Money Trail, LLC reserves the right to republish any material contributed by you. By posting a message, you expressly grant to Follow the Money Trail, LLC the royalty free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display any message posted on the web site (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed.

16. TRADEMARKS

iDayo International, Inc. is a trademark of iDayo International, Inc. iDayo Indicator™ is a registered trademark of iDayo International, Inc. All other trademarks appearing on this web site are the property of their respective owners. Follow the Money Trail, LLC pursuant its agreement with iDayo International, Inc., is the exclusive marketing agency for the output of the software that built the track record published herein. Jeffrey Steinberg, the creator of the software, was instrumental in creating the track record and is a shareholder and active participant in iDayo International, Inc. A former sales agent for output of the software, Tom Barrett, through a corporation he formed by the name of iDayo, Inc., is currently marketing an online subscription service using the iDayo trademarks without permission. Furthermore, although B arrett's track record through March, 2008, is the same as set forth herein, the software used by iDayo International, Inc., and the recommendations generated by it with the assistance of Jeffrey Steinberg subsequent to that date, are and will continue to have no connection to those made by Barrett. It is the opinion of the trademark attorneys for iDayo International, Inc. that Barrett is currently using our trademarks illegally. Proper reparations and settlement have been sought. The matter is still in dispute and the consideration of iDayo International, Inc. taking legal action against Tom Barrett is still pending.

17. EQUIPMENT

You shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of this web site, and you shall be responsible for all charges related thereto.

18. FORCEMAJEURE

Neither party shall be liable hereunder by reason of any failure or delay in the performance of its obligations hereunder (except for the payment of money) on account of strikes, shortages, riots, insurrection, fires, flood, storm, explosions, acts of G-d, war, governmental action, labor conditions, earthquakes, material shortages, or any other cause beyond the reasonable control of such party.

19. MISCELLANEOUS

This web site (excluding linked sites) is based in the United States of America. It can be accessed from all 50 states, as well as from other countries around the world. Follow the Money Trail, LLC makes no claims as to whether access is legal by certain persons or in countries other than the United States of America. If you access this web site from outside the United States of America, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. No waiver by you or us of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. Sections 1 through 11, 13 through 16, and 19 shall survive any expiration or termination of this Agreement. The section headings used herein are for convenience only and shall not be given any legal import.