1. Rates published herein are effective as of September 11, 2001, and are subject to change without notice.

2. Home Business Online is not responsible for errors or omissions in any advertising materials provided by the advertiser or its agency.

3. All advertisements are accepted and made available by Home Business Online upon representation by the agency and advertiser that they are authorized to make available on Home Business Online the entire contents and subject matter thereof and that such advertisement will not violate any law or infringe upon any right of any party. In consideration of the placement of advertisements on Home Business Online, the advertiser and agency, will jointly and severally, indemnify and save Home Business Online and all parents, affiliates and subsidiaries of Home Business Online harmless from and against any and all losses and expenses arising out of the appearance of such advertisements on Home Business Online, or on the advertiser's site on the Web as linked through Home Business Online, including without limitation, those arising from claims for suits for defamation, copyright or trademark infringement, misappropriation, violation of the Lanham Act, obscenity, indecency, violation of statutory, common law or contractual rights including, without limitation, the rights of any guild or union or rights of privacy or publicity or from any and all similar claims now known or here after devised. It is understood that the advertiser and the agency are jointly and severally liable for payment of invoices for advertising made available on Home Business Online hereunder. In consideration of reviewing for acceptance, or acceptance of, any linkage to the advertiserês site on the Web, the agency and advertiser agree not to make promotional or merchandising reference to Home Business Online in any way except with the prior permission of Home Business Online in each instance.

4. Home Business Online shall not be subject to any liability whatsoever for any failure to provide reference or access to all or any part of the advertising due to systems failure, technological failure of Home Business Online or the Web, or any other cause outside our control. Home Business Online will not be responsible for harm due to unauthorized use of your advertisements as presented on the service by third parties, including without limitation, unauthorized reproduction and tampering by network "hackers."

5. No conditions, printed or otherwise, appearing on contracts, insertion orders or instructions which conflict with the provisions of this rate card will be binding on Home Business Online. Except as otherwise specifically agreed by Home Business Online and advertiser, all advertising positioning/placement clauses or conditions will be treated as requests only and cannot be guaranteed.

6. Orders for advertising shall be non-cancelable after 30 days prior to the first date on which it is scheduled to appear within Home Business Online and through the advertising period agreed to pursuant to the insertion order.

7. Unless otherwise agreed by Home Business Online and the advertiser, Home Business Online shall have the right to insert the advertising in various areas of the Home Business Online service from time to time in its discretion.

8. Home Business Online reserves the right to reject or cancel any advertising and/or linkage to an advertiser's site on the Web for any reason at any time, including without limitation as a result of linkages to other sites on the Web included in the advertiser's site.

9. Unless otherwise specifically agreed by Home Business Online and the advertiser, no cash discounts volume discounts or other discounted rates will be available.

10. Invoices will be rendered on or about the first date on which the advertising is scheduled to appear on Home Business Online. Payments will be due within 30 days from the date of invoice.

11. No minimum impression level is guaranteed hereunder.

12. The agreement between Home Business Online and the advertiser shall be governed by the laws of the United States of America and the State of Utah applicable to contracts executed and performed entirely in the State of Utah.