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										<td background="images/bdy_hdr.jpg" width="560" height="42">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<span class="style33">Terms of Use</span></td>
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													<p align="justify" class="style31"><STRONG align="justify">Terms   And Conditions Of Use</STRONG><BR>
              The following   are the rules that govern use of the CitiDirect.co.uk web site and the   services that we may offer (the "Site"), including without limitation email, a   searchable directory of business web sites, links to other web sites, and access   to news and information. <BR>
              By using the Site, you agree to be bound by these   Terms and Conditions of Use (the "TCU"), including but not limited to the   Privacy Policy and other usage guidelines and rules that may be posted from time   to time, all of which are incorporated herein by reference, and to follow the   TCU and all applicable laws and regulations governing the Site. If you do not   agree, do not enter or use the Site. <BR>
            CitiDirect.co.uk may update the   TCU from time to time. You are responsible for checking this page periodically   for changes and updates to the TCU. Your use of the Site following any posted   change(s) to the TCU will be deemed an acceptance of such change(s). <BR>
            In   addition, when using the Site, you shall be subject to any posted guidelines or   rules, which may be posted from time to time. All such guidelines or rules are   hereby incorporated by reference into the TCU. <BR>
            Data and information relating   to securities or otherwise is provided for informational purposes only, and is   not intended for trading purposes. </p>
            <p align="justify"><span class="style32">Rights and Permissions</span><br />
              <span class="style31">The Site, including without limitation any   content, software and services offered thereon, are the property of   CitiDirect.co.uk and/or its suppliers. It is protected by the copyright   and/or other intellectual property laws of the United Kingdom and   internationally. You are hereby authorized solely to view and to retain a copy   of pages of this Site for your own personal use. Do not duplicate, publish,   modify, or otherwise distribute the material on this Site unless specifically   authorized in writing by CitiDirect.co.uk to do so. Legal notices and   various other acknowledgements and credits are posted on pages of the Site. Do   not remove these legal notices or other acknowledgements or credits, or any   related information, contained on pages of the Site.<BR>
              You hereby acknowledge   and agree that, as between CitiDirect.co.uk and you, all right, title, and   interest in and to the Site and the provision thereof, including without   limitation any patent rights, patents, business methods, copyrights, trademarks,   trade secrets, inventions, know-how, and all other intellectual property rights   pertaining thereto, shall be owned exclusively by Business.com. Except as   expressly authorized by CitiDirect.co.uk herein, you agree not to make,   copy, display, modify, rent, lease, license, loan, sell, distribute, or create   derivative works of the Site, in whole or in part. You agree not to access the   Site by any means other than through the interface that is provided by   CitiDirect.co.uk for use in accessing the Site. In connection with your use   of the Site, CitiDirect.co.uk may make software available to you for   download from the Site; your download and use of such software shall be pursuant   to a separate license agreement that shall be agreed to upon your download or   installation of such software. </span></p>
            <p align="justify"><span class="style32">User Contributions to the Site</span><br />
			CitiDirect.co.uk provides users with the   opportunity to contribute to the Site. You understand that all information,   data, text, links, articles, software, photographs, graphics, video, music,   sound, messages, or other materials posted by you on the Site (collectively, the   "User Content"), whether publicly posted or privately transmitted, are the sole   responsibility of you or other users posting or transmitting such User Content.   This means that you, and not Business.com, are entirely responsible for all User   Content that you upload, post, email, or otherwise transmit via the Site. It is   your obligation to ensure that no copyright, trademark, trade secret, publicity   or privacy rights, or other intellectual property rights are being violated by   your posting or transmission of any User Content via the Site. <BR>
              CitiDirect.co.uk does not control or pre-screen the User Content posted   via the Site or sent to another user and, as such, does not guarantee the   accuracy, integrity, appropriateness, or quality of such User Content. The User   Content posted by users or other third parties does not necessarily represent   the views or opinions of CitiDirect.co.uk and under no circumstances will   CitiDirect.co.uk be liable in any way for any User Content, including, but   not limited to, any loss or damage of any kind incurred as a result of the use   of any User Content posted, emailed, or otherwise transmitted via the Site. <BR>
              Users can be held liable for any illegal or prohibited User Content they   provide to the Site or to other users, including, for example, infringing,   defamatory, or offensive materials. So that the Site is available for all users   to enjoy, you may not, and hereby represent and warrant that you will not, post,   transmit, email or otherwise make accessible on or through the Site User Content   that: <BR>
              Is unlawful, harmful, threatening, tortious, defamatory, libelous,   abusive, disparaging, pedophilic, pornographic, obscene, invasive of another's   privacy, hateful, or malicious?<BR>
              Contains hate propaganda or promotes   discrimination or violence against any people on account of their race, national   origin, religion, age, gender, disability, or sexual orientation; Is or could be   harmful to minors; Harasses or advocates harassment of another person; Involves   the transmission of "junk mail," "chain letters," or unsolicited mass mailing   (or "spamming"); Promotes information that you know is false, misleading, or   promotes illegal activities or conduct; Is or promotes an illegal or   unauthorized copy of another person's work, such as providing pirated computer   programs or links to them, or providing information to circumvent   manufacture-installed copy-protect devices; Infringes any patent, copyright,   trademark, service mark, trade secret, or other proprietary right of any other   party; <BR>
              Contains restricted password only access pages, or hidden pages or   images (those not linked to or from another accessible page); Provides material   that exploits people under the age of 18 in a sexual or violent manner, or   solicits personal information from anyone under 18; Provides instructional   information about illegal activities such as making or buying illegal weapons,   or providing or creating computer viruses; Contains a software virus or any   other code files or programs that are designed to or have the ability to   interrupt, destroy, compromise, or otherwise limit the functionality of any   computer software or hardware or telecommunications equipment whether owned by   CitiDirect.co.uk or any other party; Solicits passwords, or personal   identifying information for commercial or unlawful purposes from other users; or   Otherwise violates any local, state, national or other applicable law or   regulation. <BR>
              In addition, you may not, in connection with your use of the   Site:</p>
            <UL>
              <LI>
                <DIV align="justify" class="style31">Forge headers or otherwise manipulate   identifiers for the purpose of disguising the origin of any User Content posted   or transmitted through or on the Site; </DIV>
              <LI>
                <DIV align="justify" class="style31">Engage in commercial activities and/or sales   without CitiDirect.co.uk &rsquo;s prior written consent including, without   limitation, contests, sweepstakes, barter, or advertising; </DIV>
              <LI>
                <DIV align="justify" class="style31">Post or transmit any Content that you do not   have the right to post or transmit; </DIV>
              <LI>
                <DIV align="justify" class="style31">Post or submit unsolicited commercial e-mail,   chain letters, pyramid schemes, or seek or encourage others to engage in these   activities; </DIV>
              <LI>
                <DIV align="justify" class="style31">Disrupt the ordinary flow and operation of any   portion of the Site, including causing a screen to scroll faster than another   User may be able to type in a chat room or bulletin board environment; 
                  Interfere with or disrupt the Site or any server or network involved with   the operation of the Site; 
                Stalk or harass any other person; or </DIV>
              <LI>
                <DIV align="justify" class="style31">Collect or "harvest" from the Site the names of   other users for the purpose of transmitting to those other users unsolicited   commercial messages. </DIV>
              <LI>
                <DIV align="justify" class="style31">Impersonate any person or entity,   including a CitiDirect.co.uk officer or employee, or falsely misrepresent   your affiliation with any other person or entity; </DIV>
              </LI>
            </UL>
            <p align="justify" class="style31">
              <STRONG>License To User </STRONG><BR>With respect to User Content you elect to post or   transmit for inclusion in or on the Site, you grant CitiDirect.co.uk and   its affiliates and partners the perpetual, world-wide, royalty free,   non-exclusive, sub-licensable license as follows: to use, reproduce, translate,   alter, perform, display, modify, adapt, and publish such User Content, in whole   or in part, in all present and future media and in any manner relating to the   Site (including without limitation in connection with the appearance of such   User Content on CitiDirect.co.uk and on the sites of our affiliates,   partners and others with whom CitiDirect.co.uk may have business   relationships relating to the Site) and the distribution and promotion of the   Site. You further agree that CitiDirect.co.uk is free to use any ideas,   know-how, concepts, techniques or other materials you send us for any   purpose.<BR>
              Without limitation of any of the rights granted to   CitiDirect.co.uk herein, you acknowledge and agree that   CitiDirect.co.uk may preserve User Content and may also disclose User   Content if required to do so by law or in the good faith belief that such   preservation or disclosure is reasonably necessary to: (a) comply with legal   process; (b) enforce the TCU; (c) respond to claims that any User Content   violates the rights of third-parties; or (d) protect the rights, property, or   personal safety of Business.com, its users and the public.</p>
            <p align="justify" class="style31"><strong>Indemnity</strong><br />You agree to indemnify and hold Business.com, its   subsidiaries, affiliates, officers, agents, co-branders, and other partners and   employees, harmless from any loss, liability, claim or demand, including   reasonable attorney's fees, made by any third party due to or arising out of   User Content you submit, post to, or transmit through the Site, your use of the   Site, including your use of the Site to provide a link to another Site or to   upload content or other information to the Site, or your violation of the TCU or   any applicable laws or the rights of another.<BR>
              Links and Search Results<BR>
              The   Site may provide links and automatically produce search results, or third   parties may provide information, that reference or link to other World Wide Web   sites or resources. CitiDirect.co.uk has no control over such sites and   resources, and you acknowledge and agree that CitiDirect.co.uk is not   responsible for the content or information contained therein.   CitiDirect.co.uk cannot and does not guarantee, represent, or warrant that   the content or information contained in such third-party sites is accurate,   legal and/or inoffensive. CitiDirect.co.uk does not endorse the content or   information of any third-party site or resource, and further does not warrant   that such sites or resources will not contain viruses or otherwise impact your   computer. By using the Site to search for or link to another site, you agree and   understand that CitiDirect.co.uk shall not be responsible or liable,   directly or indirectly, for any damages or loss caused or alleged to be caused   by or in connection with your use of, or reliance on, the Site to obtain search   results and/or to link to another site. </p>
            <p align="justify" class="style31"><strong>No Resale of Site</strong><br />You agree not to reproduce, duplicate, copy, sell,   resell or exploit for any commercial purposes, any portion of the Site, use of   the Site, or access to the Site, without the express, prior written consent of   CitiDirect.co.uk in each instance.</p>
            <p align="justify" class="style31"><strong>Modifications to Site</strong><br />CitiDirect.co.uk reserves the right at any   time and from time to time to modify or discontinue, temporarily or permanently,   the Site (or any part thereof) with or without notice. You agree that   CitiDirect.co.uk shall not be liable to you or to any third party for any   modification, suspension, or discontinuance of the Site.</p>
            <p align="justify" class="style31"><strong>Suspension and/or Termination Rights</strong><br />CitiDirect.co.uk reserves the right, at its   sole discretion, immediately and without notice, to suspend or terminate the   TCU, your registration for any program, your ability to access the Site, your   ability to utilize any email services offered on the Site, and/or to remove any   User Content, for any reason, including without limitation any breach by you of   the TCU or conduct by you that CitiDirect.co.uk determines to be   inappropriate. You agree that CitiDirect.co.uk shall not be liable to you   or any third-party for any suspension or termination pursuant to this provision. </p>
            <p class="style31"><strong>Copyright Policy</strong><br />CitiDirect.co.uk understands and respects the importance of   intellectual property.<BR>
            </p>
            <p align="justify" class="style31"><strong>Your Registration Obligations</strong><br />In consideration of your use of the Site, you   agree to: (a) provide true, accurate, current and complete information about   yourself as prompted by the Site's registration form (such information being the   "Registration Data") and (b) maintain and promptly update the Registration Data   to keep it true, accurate, current and complete. If you provide any information   that is untrue, inaccurate, not current or incomplete, or CitiDirect.co.uk   has reasonable grounds to suspect that such information is untrue, inaccurate,   not current or incomplete, CitiDirect.co.uk has the right to suspend,   terminate, or refuse any and all current or future use of the Site (or any   portion thereof).</p>
            <p align="justify" class="style31"><strong>Back-Up</strong><br />CitiDirect.co.uk is not liable for any lost   data resulting from the operation of our Site and/or the enforcement of the TCU   (including without limitation content from any e-mail account hosted by   Business.com), and is not obligated to maintain back-up copies of any   contributed User Content or e-mail messages. We recommend that you retain a copy   of all User Content that you post or distribute to, or through, the Site. <BR>
              You understand and agree that CitiDirect.co.uk may release information   about you if required by law or subpoena, or if the information is necessary or   appropriate to release to address an unlawful or harmful activity. </p>
            <p class="style31"><strong>Password and Security</strong><br />You will receive a password and account   designation upon completing the Site's registration process. You are responsible   for maintaining the confidentiality of the password and account, and are fully   responsible for all activities that occur under your password or account. You   agree to (a) immediately notify CitiDirect.co.uk of any unauthorized use of   your password or account or any other breach of security, and (b) ensure that   you exit from your account at the end of each session. CitiDirect.co.uk   cannot and will not be liable for any loss or damage arising from your failure   to comply with this Section. Without limitation to the generality of the   foregoing, due to the nature of Internet, computers, data flow, and other   technical and economical practicalities, the Site, like most computer data and   Internet applications, is vulnerable to various security issues and hence should   be considered unsecured. By using the Site and the Internet in general, you may   be subject to various risks, including, among others, eavesdropping, sniffing,   spoofing, forgery, spamming, "imposturing", tampering, breaking passwords,   harassment, fraud, electronic trespassing, hacking, system contamination   including without limitation, viruses, worms, Trojan horses, causing   unauthorized, damaging or harmful access and/or retrieval of information and   data on your computer and other forms of activity that may even be considered   unlawful. Information (including Registration Data, passwords and User Content)   received or delivered or intended to be made available on and through the Site   may be subject to these and other security or privacy hazards or may not reach   its destination or reach an erroneous address or recipient. The Site is not   different than other applications in this respect. Without limitation of the   foregoing, although we take seriously the security of all member accounts and   other personal and non-personal information associated with our visitors and   participants, due to the open communication nature of the Internet, we can not   guarantee that your account will be free from unauthorized access by third   parties.</p>
            <p class="style31"><strong>Disclaimer of Warranties</strong><br />You expressly understand and agree that:</p>
            <UL>
              <LI>
                <DIV align="justify" class="style31">Your use of the Site is at your sole risk. The   Site, and its content, are delivered on an "as is" and "as available" basis.   CitiDirect.co.uk expressly disclaims all warranties of any kind, whether   express or implied, including, but not limited to, the implied warranties of   merchantability, fitness for a particular purpose, or non-infringement.   CitiDirect.co.uk makes no warranty that the Site or any related services,   such as email, links, or searches offered on the Site will be error-free,   uninterrupted, timely, secure, or that it will provide specific results from use   of the Site or any content, search or link therein. CitiDirect.co.uk   further cannot ensure that files you download from the Site will be free of   viruses, Trojan horses, bugs, contamination, or destructive features. <BR>
                </DIV>
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                <DIV align="justify" class="style31">Any material viewed, downloaded, or otherwise   obtained through the use of the Site is done solely at your own discretion and   risk, and CitiDirect.co.uk will not be liable for any damages of any kind   arising from the use of the Site, including, without limitation, direct,   indirect, incidental, punitive, or consequential damages. <BR>
                </DIV>
              <LI>
                <DIV align="justify" class="style31">No advice or information, whether oral or   written, obtained by you from CitiDirect.co.uk or through or from the Site   shall create any warranty not expressly stated in the TCU. Data and information   relating to securities or otherwise is provided for informational purposes only,   and is not intended for trading purposes. Neither CitiDirect.co.uk nor any   of its data or content providers shall be liable for any errors or delays in the   content, or for any actions taken in reliance thereon. </DIV>
              </LI>
            </UL>
            <p align="justify" class="style31"><strong>Limitation of Liability</strong><br />You expressly understand and agree that   CitiDirect.co.uk shall not be liable for any indirect, incidental, special,   consequential or exemplary damages, including but not limited to, damages for   loss of profits, goodwill, use, data or other intangible losses (even if   CitiDirect.co.uk has been advised of the possibility of such damages),   resulting from: (i) the use or the inability to use the Site; (ii) the cost of   procurement of substitute goods or services resulting from any goods, data,   information or services purchased or obtained or messages received or   transactions entered into through or from the Site; (iii) unauthorized access to   or alteration of your transmissions or data; (iv) statements or conduct of any   third party on the Site; or (v) any other matter relating to the Site or the   content thereon, including without limitation any user content posted thereon.   In no event will CitiDirect.co.uk be liable for any damages in excess of   one hundred United States dollars ($100.00).</p>
            <p align="justify" class="style31"><strong>Miscellaneous</strong><br />The TCU constitutes the entire agreement between   you and CitiDirect.co.uk and governs your use of the Site, superceding any   prior agreements between you and Business.com. You may also be subject to   additional terms and conditions that may apply when you use affiliate services,   third-party content, or third-party software. <BR>
              If any provision of the TCU is   found by a court of competent jurisdiction to be invalid, the parties   nevertheless agree that the court should endeavor to give effect to the parties'   intentions as reflected in the provision, and the other provisions of the TCU   remain in full force and effect. You agree that regardless of any statute or law   to the contrary, any claim or cause of action arising out of or related to use   of the Site or the TCU must be filed within one (1) year after such claim or   cause of action arose or be forever barred.<BR>
              The section titles in the TCU are   for convenience only and have no legal or contractual effect.</p>
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