TheStreet.com

Terms of Use for TheStreet.com Ratings

Last revised: March 20, 2007

Please read our terms of use carefully before you become a subscriber to TheStreet.com Ratings.

TheStreet.com Ratings, Inc. ("TheStreet.com," "TSC," "we," or "us") provides its subscribers with access to TheStreet.com Ratings (the "Service"), for their individual usage, subject to compliance with the terms and conditions set forth herein.

1. Agreement

In consideration of TheStreet.com Ratings providing you with the Service, you agree to pay the applicable subscription fee and/or to comply with these Terms of Use (the "TOU"). If you do not agree to the terms and conditions contained in the TOU, you may not become a subscriber to the Service, and we do not consent to provide you with access to the Service.

2. Changes to the TOU

We reserve the right at any time to:

• Change the terms and conditions of the TOU;
• Change the Services, including eliminating or discontinuing any content or feature of the Services; or
• Impose fees, charges or other conditions for use of the Services (with reasonable notice).

Any changes we make to the TOU will be effective seven (7) days after notice of any change is provided to you, which may be done by means including, without limitation, posting on our web sites or via email. Your use of the Services after such notice will be deemed acceptance of such changes. Our business changes constantly. The TOU, as well as our Privacy Policy and Conflicts and Disclosure Policy may change also. You should check our web sites frequently to see recent changes.

3. Important Securities Disclaimer

TheStreet.com Ratings, Inc. is a wholly owned subsidiary of TheStreet.com, Inc. which is a publisher and has registered as an investment adviser with the U.S. Securities and Exchange Commission. Please click here to view our Form ADV Part II. You understand that the no content published as part of the Services constitutes a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. You further understand that none of the information providers or their affiliates will advise you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent any of the content published as part of the Services may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person.

You understand that the Services may contain opinions from time to time with regard to securities mentioned in other TSC products, and that those opinions may be different from those obtained by using another TSC product. You understand and agree that, although we do not permit our editorial staff to hold positions in individual stocks other than TheStreet.com, from time to time, TSC Ratings employees, outside contributing columnists or their affiliates may write about securities in which they or their firms have a position, and that they may trade for their own account. In cases where the position is held at the time of publication, appropriate disclosure is made. In addition, outside contributing columnists may be subject to certain restrictions on trading for their own account. However, you understand and agree that at the time of any transaction that you make, one or more contributing columnists or their affiliates may have a position in the securities written about. For more information, please review our Conflicts and Disclosure Policy.

You understand that performance data is supplied by sources believed to be reliable, that the calculations herein are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete.

From time to time, reference may be made in our marketing materials to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or recommendation, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

When U.S. exchanges are open, stock and fund quotes (other than those obtained through the real-time quote services available to users of certain TSC products) are at least 15 minutes old. When U.S. exchanges are not open, quotes are only current as of the close of the last day of trading. Before selling or buying any stock or other investment, you should consult with a qualified broker or other financial professional to verify pricing information.

4. TheStreet.com's Proprietary Rights

The Services and the corresponding content are the property of TheStreet.com and its licensors. You may access and use the content, and download and/or print out one copy of any content from the Services, solely for your personal, noncommercial use. You acknowledge that you do not acquire any ownership rights by using the Services.

If you are interested in reprinting, republishing or distributing content from TheStreet.com, please see our Reprints page.

"TheStreet.com Ratings," "TheStreet.com," "TheStreet," the TSC Logo, "ActionAlerts," "Breakout Stocks," "DailyBooyah!," "RealMoney.com," "RealMoney," "Street Insight," "Stocks Under $10," "Wrong!", "Trading Diary," "Trading Track," "TheStreet.com 21," "SmartPortfolio", and other marks are trademarks and/or service marks of TheStreet.com, Inc. All other trademarks, service marks, and logos used on our web sites are the trademarks, service marks, or logos of their respective owners.

5. User Conduct

You may not republish, upload, post, transmit or distribute content available through the Services to online bulletin boards, message boards, newsgroups, chat rooms, or in other any manner, without our prior written permission. Modification of the content or use of the content for any purpose other than your own personal, noncommercial use is a violation of our copyright and other proprietary rights, and can subject you to legal liability.

In addition, in connection with your use of the Services, you agree not to:

• Restrict or inhibit any other visitor from using the Services, including, without limitation, by means of "hacking" or defacing any portion of any of our web sites;
• Use the Services for any unlawful purpose;
• Express or imply that any statements you make are endorsed by us, without our prior written consent;
• Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Services or any of our web sites;
• "Frame" or "mirror" any content available through the Services or any of our web sites without our prior written authorization;
• Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of the content available through the Services or any of our web sites; or
• Harvest or collect information about users of the Services without their express consent.

You also agree to comply with all applicable laws, rules and regulations in connection with your use of the Services and the content made available therein.

6. Features and Links to Other Web Sites

Your use of certain services made available to you by TheStreet.com may be governed by additional rules, which are available on our web sites or by hyperlink from other sites, in connection with the service. By using any service you are acknowledging that you have reviewed all corresponding rules and agree to be bound by them. Some of the services may have been provided by third parties for your use. In the event that any service or tool is provided by a third party, such service or tool may become unavailable in the event that the agreement between us and the third party is terminated. You expressly acknowledge and agree that your use of all services and tools is solely at your risk.

Any sweepstakes, contests, and games that are accessible through our web sites are governed by specific rules. By entering such sweepstakes or contests or participating in such games, you will become subject to those rules.

Content available through the Services may contain links to other Internet web sites or resources. We neither control nor endorse such other web sites, nor have we reviewed or approved any content that appears on such other web sites. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or inappropriate nature of any content, advertising, products, services, or information located on or through any other websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content.

7. Disclaimer of Warranties

The Services, and any content or product optained or accessed through the Services, is provided "as is" and without representations or warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, TheStreet.com, its officers, directors, employees, subsidiaries, affiliates, suppliers, advertisers, and agents disclaim all warranties, express, implied or statutory, including, but not limited to, implied warranties of title, non-infringement, merchantability, and fitness for a particular purpose, and all warranties relating to the adequacy, accuracy or completeness of any information available through the Services.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you.

TheStreet.com and its subsidiaries, affiliates, suppliers, agents and sponsors do not warrant that your use of the Services will be uninterrupted, error-free, or secure, that defects will be corrected, or that the services or the server(s) on which the Services are hosted are free of viruses or other harmful components. You acknowledge that you are responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed to access and use Services, and all charges related thereto. You assume total responsibility and risk for your use of the Services and your reliance thereon. No opinion, advice, or statement of TheStreet.com or its subsidiares, affiliates, suppliers, agents, members, or visitors, whether made on the site or otherwise, shall create any warranty. Your use of the site, the content contained therein, and any materials provided through the site, are entirely at your own risk.

A possibility exists that content available through the Services could include inaccuracies or errors, or materials that violate the TOU. Additionally, a possibility exists that unauthorized alterations could be made to the content available through the Services by third parties. Although we attempt to ensure the integrity of our web sites and other products and services, we make no guarantees as to the completeness or correctness of any content available through the Services. In the event that such a situation arises, please contact us at notices@thestreet.com with, if possible, a description of the material to be checked and the location (URL) where such material can be found on our web sites, if applicable, as well as information sufficient to enable us to contact you. We will try to address your concerns as soon as reasonably practicable. For copyright infringement claims, see the section on "Copyright Infringement" below.

8. Limitation of Liability

Neither TheStreet.com, Inc. nor its subsidiaries, affiliates, suppliers, advertisers, agents or sponsors are responsible or liable for any indirect, incidental, consequential, special, exemplary, punitive or other damages under any contract, negligence, strict liability or other theory arising out of or relating in any way to the Services and/or any content therein, or any product or service used or purchased through TheStreet.com. Your sole remedy for dissatisfaction with the Service is to stop using it. The sole and exclusive maximum liability to company for all damages, losses, and causes of action — whether in contract, tort (including, without limitation, negligence), or otherwise — shall be the total amount paid to us by you, if any, for access to the Services.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you.

9. Indemnification

You agree to indemnify, defend and hold us, our officers, directors, employees, agents and representatives harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys' fees), or other expenses that arise directly or indirectly out of or from (a) your violation of the TOU; (b) your use of the Services; or (c) your violation of the rights of any third party.

10. Termination

You understand and agree that TheStreet.com may, under certain circumstances and without prior notice to you, terminate your access to and use of the Services. Cause for such termination shall include, but not be limited to, (i) breaches or violations of the TOU or other agreements or guidelines, (ii) requests by law enforcement or other government or regulatory authorities, or (iii) technical difficulties.

11. Copyright Infringement

The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials hosted by TheStreet.com, Inc. or one of its subsidiaries infringe your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright/ for details. Notices and counter-notices with respect to our web sites should be sent to Jordan Goldstein, Esq., General Counsel, TheStreet.com, Inc., 14 Wall Street, 15th Floor, New York, NY 10005, tel: (212) 321-5000, fax: (212) 321-5013, email: notices@thestreet.com. We suggest that you consult your legal advisor before filing a notice or counter-notice. Also, be aware that there can be penalties for false claims under the DMCA.

12. Miscellaneous

The Service is directed solely to individuals residing in the United States. We make no representation that materials provided through the Services are appropriate or available for use in other locations. Those who choose to access the Services from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Services to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service or product that we provide.

The TOU, together with all TSC policies referred to herein, constitutes the entire agreement between you and TheStreet.com relating to your use of the Services and supersedes and any all prior or contemporaneous written or oral agreements on that subject between us. The TOU and the relationship between you and TheStreet.com are governed by and construed in accordance with the laws of the State of New York, without regard to its principles of conflict of laws. You and TheStreet.com agree to submit to the personal and exclusive jurisdiction of the federal and state courts located within New York County, New York, and waive any jurisdictional, venue, or inconvenient forum objections to such courts. If any provision of the TOU is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the TOU and shall not affect the validity and enforceability of any remaining provisions. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained in the TOU is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof. We reserve the right to require you to sign a non-electronic version of the TOU.