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Disclaimer
Revised 10/29/2003

MSCI does not represent or endorse the accuracy or reliability of any of the information, content, or advertisements (collectively, the "Materials") contained on, distributed through, or linked, downloaded or accessed from any of the services contained on this website (the "Service"), nor the quality of any products, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the Service (the "Products"). You hereby acknowledge that any reliance upon any Materials shall be at your sole risk. MSCI reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any error or omissions in any portion of the Service or the Materials. MSCI is not responsible for the accuracy, copyright compliance, legality or decency of material contained in sites listed in the Service, its links or in the Materials.

THE SERVICE AND THE MATERIALS ARE PROVIDED BY MSCI ON AN "AS IS" BASIS, AND MSCI EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SERVICE OR ANY MATERIALS AND PRODUCTS. IN NO EVENT SHALL MSCI BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE SERVICE, THE MATERIALS AND THE PRODUCTS.

User expressly agrees that (a) the information shall not be deemed to be a recommendation to purchase, hold, or sell any securities, (b) the information will be weighed by the User as one factor in any investment or other decision made by or on behalf of User, and (c) User will accordingly make its own study and evaluation of each subject corporation surveyed and of any security issued by any such corporation.

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Trademark

Revised 10/29/2003

You may not reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the Information to anyone, without the express written consent of the Chief Executive Officer of Audit Integrity. MSCI and its providers are the sole owners of the content, layout, functions, design, appearance, trademarks, service marks, copyrights, patents and other intellectual property comprising the Database and the Site ("Intellectual Property"). The Database contains information that is created and maintained by MSCI at great effort and expense, and the Database structure created and maintained by MSCI, under which the information is stored and retrieved, is unique and highly valuable. User does not and will not acquire any ownership in the Database or any part thereof.

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Terms & Conditions
Revised 10/29/2003

This Agreement gives you certain benefits, rights and obligations as follows. Your use of the Site and Services, whether as a trial user or as a subscriber, signifies your agreement to these Terms of Use. Use of a User name and password as a subscriber or for trial purposes constitutes the User's agreement to read, understand, and comply with the terms and conditions specified below during the period of use of the Site and Services, and shall be construed together with the terms of any License Agreement executed or assented between User (or User's Company) and MSCI.

A subscription or trial subscription provides access to the Audit Integrity site for an individual user, with a unique email address. All alerts and documents will be directed to User for User's personal use. Access of this site via any automated process such as scripts or "bots" is prohibited.

The information is for Subscriber's personal, internal use only User will not syndicate, license, or redistribute, digitally or in print, to any third party for any purpose, including any non-licensed individual in User's Company or in another Company with which User has some affiliation, whether or not such activity is part of User's services to clients, without the prior written consent of the Chief Executive Officer of MSCI, whether as a stand-alone product or in conjunction with other data or information. User is also expressly prohibited from violating the copyrights, or other intellectual property rights, of MSCI and its information providers and may not remove any copyright notice contained in any materials downloaded from the Database. User acknowledges that all proprietary rights in the information received shall remain the property of either MSCI or its providers of information.

MSCI makes no representation or warranty, express or implied, to User or any other person or entity as to the accuracy, timeliness, completeness, non-infringement, merchantability or fitness for any purpose of the information contained in this Website. User expressly agrees that (a) the information shall not be deemed to be a recommendation to purchase, hold, or sell any securities, (b) the information will be weighed by the User as one factor in any investment or other decision made by or on behalf of User, and (c) User will accordingly make its own study and evaluation of each subject corporation surveyed and of any security issued by any such corporation.

Neither MSCI nor any of its providers of information shall have any liability for the accuracy of the information contained in the Service, or for delays or omissions therein. None of the foregoing parties shall be liable to any third-party claims or losses of any nature, including but not limited to, lost profits, punitive or consequential damages.

By posting messages, uploading information, inputting data or engaging in any other form of communication (individually or collectively "Communications") to the Site, User hereby grants to MSCI a license to store, transmit or display such materials, solely in connection with those functions or services requested by User. MSCI's privacy practices and principles are set forth in our Privacy Policy.

User represents, warrants and covenants that User shall not upload, post or transmit to or distribute or otherwise publish through the MSCI Services any materials which (i) restrict or inhibit any other user from using and enjoying the Site, (ii) are unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, offensive, harassing, pornographic, profane, sexually explicit or indecent, (iii) constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate law, (iv) violate, plagiarize or infringe the rights of third parties including, without limitation, copyright, trademark, patent, rights of privacy or publicity or any other proprietary right, (v) contain a virus, Trojan horse, worms, time bombs, robots or other harmful component intended to disrupt or interfere with the intended operation of the Site or any other site on the World Wide Web, or (vi) constitute or contain false or misleading indications of origin or statements of fact.

In addition User will not (a) attempt to gain unauthorized access to the Services or the MSCI accounts of others, (b) use the Site or Services, or any part thereof, to harass or harm any other User or any other person in any way; (c) impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) interfere with or disrupt the Site or servers of networks connected to the Site, or disobey any requirements, procedures, policies or regulations of networks connected to the Site; (e) disparage, defame, libel or make untrue, malicious, offensive statements about MSCI or the Site, or use the Site or Services to violate any applicable, local, state, national or international law or regulation.

User's subscription will continue until User notifies MSCI by telephone, fax, or electronic mail of User's decision to terminate the subscription, or until terminated by MSCI. For your convenience, we will automatically update your expiration date to continue your service uninterrupted unless you notify us otherwise. In the event of cancellation of service by Subscriber, any funds paid in advance for a subscription are forfeit. If any provision of this Agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This Agreement, all intellectual property issues, and User's rights and obligations shall be governed by the laws of the United States of America and California governing contracts wholly entered into and wholly performed within California.

MSCI reserves the right to determine to whom it will provide service and to terminate the Agreement at any time.

MSCI reserves the right to change the price for its services at any time.

MSCI reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms and of Use and any other policy posted on the Site, in whole or in part, at any time. Notification of changes in MSCI's Terms of Use will be posted on the MSCI.net Web Site. You are responsible for regularly reviewing the Terms of Use and all posted policies on the Site. By continuing to use the Site and Services after we have posted changes to these Terms of Use or any other posted policy, you agree to and accept such changes.

The Site may contain links and pointers to the other related World Wide Web Internet sites. MSCI is not responsible for any content of such Web Sites or the privacy or other commercial practices of such Web Sites. The links do not imply MSCI's endorsement of, or association with, the linked sites, unless otherwise stated. MSCI cannot be responsible for the privacy practices of any sites that provide a link to our site, or the practices of any site to which we provide a link. We encourage all visitors and users of our system to review the privacy policies of each site they visit.

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Privacy Policy
Revised 10/29/2003

We are committed to protecting the personal information you choose to share with us. Below is our privacy guarantee and some additional information about how we gather information about our registered users, why we gather it, and what we do with it.

MSCI reserves the right to amend this statement at any time. We encourage our users and visitors to regularly review this Privacy Policy for any such changes. Your continued use of this web site after we have posted changes to the Privacy Policy indicates your agreement to the amended terms of this Privacy Policy.

Information Collection

When you utilize the MSCI website, you are required to complete a registration containing personal information, including your e-mail address. Our interface also allows users to upload their own collection of proprietary information to be stored by Audit Integrity ("Uploaded Information"). MSCI may access the Uploaded Information for the purpose of resolving a problem, addressing a support issue, or addressing a suspected violation of our Terms of Use . By providing MSCI with User Information and by placing Uploaded Information into our system, you are agreeing that we may securely store, process and review such information for those purposes. We will, however, not sell or disclose User Information or Uploaded Information, unless required to do so by law.

MSCI has put security and back-up procedures in place to protect Uploaded Information. However, in the unlikely event there is a loss or corruption of Uploaded Information, MSCI is not responsible or liable for such loss or corruption. We encourage our users to retain copies of all Uploaded Information on their own systems.

Why do we ask for personal information about you?

Our ultimate goal at MSCI is to provide you with a set of financial information to assist you in gathering information about companies and industries that you are interested in. Many of the features on our site will be more beneficial to you if you customize the way they work and what they contain, and then can return to your personalized version each time you come back to the site. Our Alert system is the most obvious example of this type of feature. To support this personalization we need to be able to identify your account from session to session. This requires that you provide us with some individually identifiable information about yourself. Your user email address and password allow us to differentiate you from other users and maintain your personalized version of the site.

What information do we gather?

The only individually identifiable information that we collect about you is that which you choose to share with us in registration and billing. This information will be closely protected and used for internal purposes only. We will never willfully release your personal information to any third party unless you direct us to do so, or unless required by law. We also collect information about aggregate site usage. Statistics that we gather about unique visits, repeat visits and page views are all based on IP address, not on your individual activities.

Like many other commercial websites, the MSCI website or its advertisers may utilize a standard technology called a "cookie" (a harmless file temporarily kept on your computer's hard drive) to collect information about how our site is used. In order to access our site, the "cookies" setting on your browser must be enabled. MSCI uses cookies ONLY to maintain the user's session while on our site. No identifiable or demographic information is kept on the cookie.

MSCI Database

Only publicly available information appears in the MSCI database. It is possible that information about you and your Company may appear in the MSCI database, which is accessible to all of our users. User Information and Uploaded Information are not commingled with the Database Information and cannot be viewed by other users. Any personal information pertaining to you or your Company which may appear in the database has been retrieved from publicly available sources and may be displayed or sold by Audit Integrity as a part of our service.

Will we ever send you email?

We may employ User Information to contact customers regarding service updates, additional services we may have to offer and other general information about MSCI. Again, we will, however, not sell or disclose User Information or Uploaded Information, unless required to do so by law.

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