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Last Revised: May 1, 1995


GENERAL TERMS AND CONDITIONS 


FOR USE OF THE LEXIS-NEXIS SERVICES



The following terms and conditions govern your use of the LEXIS-NEXIS services
(the "Online Services") and the materials available therein ("Materials"): 

1.  LICENSE; RESTRICTIONS ON USE 

1.1 You are granted a nonexclusive, nontransferable, limited license to access
and use for research purposes the Online Services and Materials from time to
time made available to you.  This license includes:

   (a) The right to electronically display Materials retrieved from the Online
Services to no more than one person at a time, subject to the Supplemental Terms
for Specific Materials;

   (b) The right to obtain a printout of Materials via printing commands of the
Online Services and to create a single printout of Materials downloaded via
downloading commands of the Online Services (collectively "Authorized
Printouts"); and

   (c) The right to retrieve and store in machine-readable form for no more than
90 days and for one person's exclusive use a single copy of insubstantial
portions of Materials included in any individual file via downloading commands
of the Online Services to the extent the storage of Materials is not further
limited or prohibited by the Supplemental Terms for Specific Materials; 
 
1.2 To the extent permitted by applicable copyright law and not further limited
or prohibited by the Supplemental Terms for Specific Materials, you may make
copies of Authorized Printouts and distribute Authorized Printouts and copies.
 
1.3 Except as specifically provided in Sections 1.1 and 1.2, you are prohibited
from downloading, storing, reproducing, transmitting, displaying, copying,
distributing, or using Materials retrieved from the Online Services. You may not
print or download Materials without using the printing or downloading commands
of the Online Services. 
 
1.4 All right, title, and interest (including all copyrights and other
intellectual property rights) in the Online Services and Materials (in both
print and machine-readable forms) belong to the provider of the Online Services
or its third party suppliers of materials. You acquire no proprietary interest
in the Online Services, Materials, or copies thereof. 
 
1.5 Except as specifically provided herein, you may not use the Online Services
or Materials retrieved from the Online Services in any fashion that infringes
the copyrights or proprietary interests therein. 
 
1.6 You may not remove or obscure the copyright notice or other notices
contained in Materials retrieved from the Online Services. 
 
1.7 You may not use information included in the Online Services or Materials
retrieved from the Online Services to determine a consumer's eligibility for
(a) credit or insurance for personal, family, or household purposes; (b)
employment; or (c) a government license or benefit. 
 
1.8 Other provisions that govern your use of Materials are set forth in your
applicable Price Schedule, the Supplemental Terms for Specific Materials, online
descriptions of files, online notices following file selection, and individual
documents retrieved from the Online Services (collectively, the "Additional
Terms"), all of which are incorporated by reference into these General Terms and
Conditions. 
 
 
2. ACCESS TO SERVICES 
 
2.1 Only individuals authorized by the subscribing organization may access and
use the Online Services. 
 
2.2 You may not use an identification number to access the Online Services from
outside the country for which it was issued. 
 
2.3 Your identification number(s) may be restricted from accessing certain
Materials otherwise available in the Online Services. 
 
2.4 Materials and features may be added to or withdrawn from the Online Services
and the Online Services otherwise changed without notice. 
 
3. LIMITED WARRANTY 
 
3.1 The provider of the Online Services represents and warrants that it has the
right and authority to make the Online Services and Materials available pursuant
to these General Terms and Conditions. 
 
3.2 EXCEPT AS OTHERWISE PROVIDED IN SECTION 3.1, THE ONLINE SERVICES AND
MATERIALS ARE PROVIDED ON AN "AS IS", "AS AVAILABLE" BASIS AND THE PROVIDER OF
THE ONLINE SERVICES AND EACH THIRD PARTY SUPPLIER OF MATERIALS EXPRESSLY
DISCLAIM ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY AND FITNESS
FOR A PARTICULAR PURPOSE. 
 
4. LIMITATION OF LIABILITY 
 
4.1 A Covered Party (as defined below) shall not be liable for any loss, injury,
claim, liability, or damage of any kind resulting in any way from (a) any errors
in or omissions from the Online Services or any Materials available or not
included therein, (b) the unavailability or interruption of the Online Services
or any features thereof or any Materials, (c) Subscriber's use of the Online
Services or Materials (regardless of whether you received any assistance from a
Covered Party in using the Online Services), (d) your use of any equipment in
connection with the Online Services, (e) the content of Materials, or (f) any
delay or failure in performance beyond the reasonable control of a Covered
Party.
 
4.2 "Covered Party" means (a) the provider of the Online Services, its
affiliates, and any officer, director, employee, subcontractor, agent,
successor, or assign of the provider of the Online Services or its affiliates;
and (b) each third party supplier of Materials, their affiliates, and any
officer, director, employee, subcontractor, agent, successor, or assign of any
third party supplier of Materials or any of their affiliates. 
 
4.3 THE AGGREGATE LIABILITY OF THE COVERED PARTIES IN CONNECTION WITH ANY OTHER
CLAIM ARISING OUT OF OR RELATING TO THE ONLINE SERVICES OR MATERIALS SHALL NOT
EXCEED THE AMOUNT OF YOUR ACTUAL DIRECT DAMAGES. YOUR RIGHT TO MONETARY DAMAGES
IN THAT AMOUNT SHALL BE IN LIEU OF ALL OTHER REMEDIES WHICH YOU MAY HAVE AGAINST
ANY COVERED PARTY. 
 
4.4 THE COVERED PARTIES SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT,
INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT
LIMITATION, ATTORNEYS' FEES) IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN
CONNECTION WITH THE ONLINE SERVICES, MATERIALS, OR THE FAILURE OF ANY COVERED
PARTY TO PERFORM ITS OBLIGATIONS, REGARDLESS OF ANY NEGLIGENCE OF ANY COVERED
PARTY. 
 
5. MISCELLANEOUS 
 
5.1 These General Terms and Conditions, including the Additional Terms, may be
changed from time to time as described below or by written agreement. Charges
and payment terms may be changed in accordance with your applicable price
schedule; all other provisions may be changed by the provider of the Online
Services immediately upon notice. Your subscription for access to the Online
Services may be terminated immediately upon notice to the provider of the Online
Services if any change is unacceptable. Continued use of the Online Services
following any change constitutes acceptance of the change. 
 
5.2 The provider of the Online Services or the subscribing organization may
terminate the subscription for access to the Online Services. The effective date
of termination shall be ten days after the receipt of an appropriate notice of
termination, unless a later date is specified in the notice. The provider of the
Online Services may suspend or discontinue providing the Online Services to you
without notice and pursue any other remedy legally available to it if you fail
to comply with any of your obligations hereunder. 
 
5.3 Except as otherwise provided herein, all notices and other communications
hereunder shall be in writing or displayed electronically in the Online Services
by the provider thereof.  Notices shall be deemed to have been properly given on
the date deposited in the U.S. mails, if mailed; on the date first made
available, if displayed in the Online Services; or on the date received, if
delivered in any other manner. Notices to the provider of the Online Services
should be sent to your account representative. 
 
5.4 The failure of the provider of the Online Services or any third party
supplier of Materials to enforce any provision hereof shall not constitute or be
construed as a waiver of such provision or of the right to enforce it at a later
time. 
 
5.5 The subscribing organization or individual may not assign its rights or
delegate its duties under the subscription to access the Online Services without
the prior written consent of the provider of the Online Services. 
 
5.6 These General Terms and Conditions and the Additional Terms shall be
governed by and construed in accordance with the laws of the State of Ohio. 
 
5.7 Each third party supplier of Materials has the right to assert and enforce
these provisions directly on its own behalf as a third party beneficiary. 



                                  July 1, 1995

                         LEXIS(R)-NEXIS(R) Services 
                  SUPPLEMENTAL TERMS FOR SPECIFIC MATERIALS
  
1. ABC-CLIO, Inc. Materials 
 
Subscriber may only print or download single copies of portions of the materials
provided by ABC-CLIO, Inc. Any other printing, downloading or reproduction is
prohibited. Contact ABC-CLIO, Inc. at (800) 422-2546 for information on
downloading licenses, including site licensing and package arrangements. In
California, call (800) 824-2103. 
 
2. American Medical Association Materials 
 
American Medical Association is the exclusive proprietor of all materials
available in the Online Services in files identified as being supplied by
American Medical Association, including all copyrights and proprietary interest
therein. AMERICAN MEDICAL ASSOCIATION DISCLAIMS ALL LIABILITY FOR DAMAGES,
WHETHER DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ARISING IN ANY WAY OUT OF
THE ACCURACY, COMPLETENESS OR AVAILABILITY OF ITS MATERIALS IN THE ONLINE
SERVICES. 
 
3. American Society of Hospital Pharmacists Materials 
 
USERS ARE ADVISED THAT DECISIONS REGARDING DRUG THERAPY ARE THE RESPONSIBILITY
OF THE CLINICIAN AND THAT MATERIALS PROVIDED BY AMERICAN SOCIETY OF HOSPITAL
PHARMACISTS ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY. THE ENTIRE MONOGRAPHY
FOR A DRUG SHOULD BE REVIEWED FOR A THOROUGH UNDERSTANDING OF THE DRUG'S
ACTIONS, USES, AND SIDE EFFECTS. 
 
4. Associated Press Political Service 
 
Press Association, Inc. shall use its best efforts to ensure the accuracy of the
materials included in the Associated Press Political Service. Press Association,
Inc. does not, however, guarantee the sequence, accuracy or completeness of any
such materials and shall not be liable in any way to Subscriber or any third
parties or to any other person who may use the materials or to whom such
materials may be furnished, or to any other person whatsoever for any delays,
inaccuracies, errors, omissions in such materials or in the transmission or
delivery of all or any part of such materials.
 
5. Barclays Official California Code of Regulations 
 
BARCLAYS MAKES NO WARRANTY OR REPRESENTATION WHATSOEVER, EXPRESS OR IMPLIED,
WITH RESPECT TO THE MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE WITH
RESPECT TO BARCLAYS OFFICIAL CALIFORNIA CODE OF REGULATIONS; 
AND 
 
BARCLAYS ASSUMES NO LIABILITY WHATSOEVER WITH RESPECT TO ANY USE OF BARCLAYS
OFFICIAL CALIFORNIA CODE OF REGULATIONS OR ANY PORTION THEREOF OR WITH RESPECT
TO ANY DAMAGES WHICH MAY RESULT FROM SUCH USE. 
 
6. Bureau of National Affairs, Inc. Materials 

Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. 
 
7. CELEX Database 
 
Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. 
 
8. Commercial Record Publishing Company Deed and Mortgage Information 
 
COMMERCIAL RECORD PUBLISHING COMPANY ("COMMERCIAL") DISCLAIMS ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY AND OF FITNESS FOR A
PARTICULAR PURPOSE. NO USE OF THE MATERIALS IN THIS FILE OTHER THAN AS EXPRESSLY
PERMITTED UNDER THE GENERAL TERMS AND CONDITIONS OF THE LEXIS-NEXIS SUBSCRIPTION
AGREEMENT MAY BE MADE EXCEPT WITH THE WRITTEN PERMISSION OF COMMERCIAL, 210
SOUTH STREET, BOSTON MA 02111. 
 
Subscriber may not use the material in this file for the purpose of making,
compiling, or selling mailing lists. 
 
9. Consumer Reports(R)
 
Consumers Union of U. S., Inc., publisher of Consumer Reports, does not permit
the use of its name or the materials contained in Consumer Reports in
advertising, as an endorsement for any product or service, or for any other
commercial purpose. 
 
10. Country Reports provided by The Economist Publications, Ltd. and Business
International Corporation 
 
The information contained in the Country Reports provided by The Economist
Publications, Ltd. ("EPL") and Business International Corporation ("BI") is
derived from international and national sources which EPL and BI consider
sufficiently reliable to justify inclusion; however, the completeness and
accuracy of the information cannot be guaranteed by EPL or BI, NOR IS ANY
WARRANTY GIVEN OR TO BE IMPLIED AS TO THE SUITABILITY OF THE INFORMATION FOR
SUBSCRIBER'S PURPOSES. Neither EPL nor BI can accept responsibility for loss
arising from decisions based upon the information. Where opinion is expressed,
it is that of the authors and editors and does not necessarily coincide with any
editorial views expressed by any other publications owned by EPL, BI, or The
Economist Newspaper, Ltd. 
 
Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. 
 
11. EMBASE 
 
ELSEVIER SCIENCE PUBLISHERS B.V. ("Elsevier") represents that EMBASE was
formulated with a reasonable standard of care and in conformance to professional
standards in the field. Except with respect to the foregoing, ELSEVIER MAKES NO
REPRESENTATIONS OR WARRANTIES EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO
ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE,
WITH RESPECT TO EMBASE AND SPECIFICALLY DISCLAIMS ALL SUCH WARRANTIES AND
REPRESENTATIONS. CONSEQUENTLY, ELSEVIER CANNOT BE HELD RESPONSIBLE FOR ANY
DAMAGES ARISING FROM THE USE OF EMBASE. IN NO EVENT WILL ELSEVIER BE LIABLE
FOR CONSEQUENTIAL DAMAGES. 
 
No responsibility is assumed by ELSEVIER for any injury and/or damage to persons
or property as a matter of (products or services) liability, negligence or
otherwise, or from any use or operation of any methods, products, instructions,
or ideas contained in the material herein. Because of rapid advances in the
medical sciences, independent verification of diagnoses and drug dosages should
be made. 
 
12. Extel Financial Limited Database 
 
Extel Financial Limited ("Extel") obtains information for inclusion in its
databases from sources which it considers reliable, but Extel shall not be
liable for any inaccuracies in its databases, whether caused by negligence or
otherwise. EXTEL MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE ACCURACY,
ADEQUACY OR COMPLETENESS OF THE DATABASES, INCLUDING WARRANTIES OR
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. Extel's liability to
Subscriber for direct loss or damage, whether in contract, tort or otherwise,
shall be limited to an amount equivalent to the fee paid by Subscriber for
access to the Extel databases during the twelve months preceding the date such
cause of action is alleged to have arisen. Extel shall not in any circumstances
be liable to Subscriber, whether in contract, tort or other wise, for any
consequential or indirect loss or damage or any loss of profits or loss of
contracts howsoever arising. 
 
13. Gale Research Inc. Materials 
 
No part of this database may be transmitted without the written permission of
Gale Research Inc. ("Gale"). Any portion of this database which is downloaded
from the Online Services and stored in machine-readable form may be retained
only for a temporary period of time. Use in electronic databases or for mailing
lists is prohibited. GALE AND ITS INFORMATION PROVIDERS MAKE NO REPRESENTATIONS
OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY OR
FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT WILL GALE OR ITS INFORMATION
PROVIDERS BE LIABLE FOR INDIRECT OR CONSEQUENTIAL DAMAGES FROM USE OF THIS
DATABASE. 
 
14. Hoppenstedt Databases 
 
This database is copyrighted by Hoppenstedt Wirtschafts datenbank GmbH. While
every attempt has been made to ensure the accuracy of this product, Hoppenstedt
Wirtschaftsdatenbank GmbH makes no warranties regarding its accuracy or
completeness and disclaims liability for any damages (even if Hoppenstedt
Wirtschaftsdatenbank GmbH has been advised of such damages) in connection with
its use. 
 
15. IBFD Tax Treaties Data Base; IBFD Tax News Service Data Base 
The material contained in this publication is not intended to be advice on any
particular matter. No subscriber or other reader should act on the basis of any
matter contained in this publication without considering appropriate
professional advice. The publisher, and the authors and editors, expressly
disclaim all and any liability to any person, whether a purchaser of this
publication or not, in respect of anything and the consequences of anything done
or omitted to be done by any such person in reliance upon the contents of this
publication. 
 
16. ICC Database 
 
Subscriber may use the ICC Database for research purposes only, and may not
publish, reproduce, reprint, broad cast or otherwise make available to sell any
material contained in the said Database whether in hardcopy, electronically
transmitted or any other form, and whether for commercial, educational or other
purpose, other than its own internal purposes. 
 
ICC uses its best endeavors to ensure that its Database contain fair
representation or interpretation of the original material from which the
Database were drawn, but ICC Online Limited shall not for any reason whatsoever
be held responsible for any damage, loss, cost claim or expense incurred by a
Subscriber as a result of its use or reliance upon, or misinterpretation of, any
material contained in the Database. 
 
ICC Stockbroker Research reports are the copyrighted work of the contributing
stockbroking and investment firms. Because of the timeliness of the research
material, and a self-imposed embargo, the nature and function of the reports on
the Database is substantially different from the nature and function of its
original printed report. The reports are available for archival research
purposes alone, and are not a solicitation to buy or sell securities or to
subscribe to new or rights issues; nor should they be used for investment advice
and/or sales support purposes. Whilst all reasonable care has been taken in the
preparation of the reports, neither ICC nor the contributing firms can accept
responsibility for their accuracy or completeness, or for errors of fact or
opinion. The contributing firms, their associated companies, officers, directors
and employees may have a position in any securities of any company mentioned in
the reports, and may perform, or seek to perform, financial advisory and/or
banking services for any company mentioned in the reports. 
 
17. Index to Legal Periodicals 
 
The H. W. Wilson Company and the Index to Legal Periodicals make NO WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING AS TO FITNESS FOR PARTICULAR PURPOSES, AND WILL
NOT BE LIABLE FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES OR LOST PROFITS OR OTHER
CLAIMS AND DEMANDS ARISING OUT OF THE INDEX TO LEGAL PERIODICALS OR ITS USE. 
 
Any portion of the Index to Legal Periodicals which is downloaded from the
Services and stored in machine-readable form may be retained only for a
temporary period of time. 
 
18. INVESTEXT(R) Database 
 
The research reports contained in the INVESTEXT Database have been prepared by
various firms and services and are individually protected by copyright. You
should familiarize yourself with specific reproduction restrictions and
disclaimers provided by each research organization. Complete copies of copyright
notices, reproduction restrictions and disclaimers are available for any and all
research organizations at no charge. To obtain your copy please call INVESTEXT
Customer Support at 800-662-7878 or 617-345-2000. 
 
Thomson Financial Networks Inc. and the various research firms whose research is
found in the INVESTEXT Database make no representations as to the accuracy or
completeness of the information provided. Further, Database users are advised
that the electronic conversion and transmission of textual and numeric data may
cause errors and/or omissions that are beyond the control of Thomson Financial
Networks Inc. You should also note that there is a delay between preparation of
the research reports and their inclusion in the INVESTEXT Database, and the
reports may therefore not be up-to-date. For these reasons the reports contained
in the INVESTEXT Database are provided for archival research purposes only and
not for investment or any other purposes. 
 
Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. 
 
19. Investment Dealers' Digest Publications; IDD Information Services Databases 
 
The materials described above (the "IDD Databases") are copyrighted by
Investment Dealers' Digest, Inc. or its wholly owned subsidiary, IDD Information
Services, Inc. (collectively, "IDD"). The IDD Databases are provided for
Subscriber's internal use only. Information or materials electronically
retrieved and/or printed from the IDD Databases may not be duplicated or
redistributed in any form without the prior written permission of the copyright
holder. Information included in the IDD Databases is obtained from sources
considered reliable, but there is no guarantee with respect to the accuracy or
completeness of the IDD Databases or of any information contained therein.
Subscriber is responsible for implementing sufficient procedures and checkpoints
to satisfy its requirements to make the final judgment and evaluation as to the
usefulness in its own environment of the IDD Databases or of any information
contained therein. IDD MAKES NO WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING
THOSE OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. In no event shall
IDD have any liability for lost profits or incidental or consequential damages. 
 
Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. 
 
20. Jane's Defence Weekly 
 
Subscriber may not store materials retrieved from Jane's Defence Directory in a
machine-readable database or in a machine-readable form for more than 30 days.
Subscriber must seek written consent from Jane's Information Group, Inc. to
reproduce materials retrieved by photocopying, electronic transmission, or
otherwise in any way not specified in the General Terms and Conditions. 
 
21. Legal Resource Index(TM); Company Intelligence Database 
 
Information Access Company ("IAC") does not guarantee or warrant the accuracy or
completeness of the materials identified above, and will not be responsible for
any claim of any person attributable to errors, omissions or other inaccuracies
of any part of such data. 
 
Subscribers must seek written authorization from IAC to use the materials
identified above in any way not specified in the Subscription Agreement. 
 
22. McGraw-Hill, Inc. Materials 
Standard & Poor's Materials 
 
The materials identified above are and shall remain valuable intellectual
property exclusively owned by McGraw-Hill, Inc. ("M-H"). No proprietary rights
are being transferred to Subscriber in such materials or in any of the
information contained therein. Misappropriation or misuse of such materials may
cause serious damage to M-H and, in such event, money damages may not constitute
sufficient compensation to M-H. 
 
NEITHER M-H, STANDARD & POOR'S, A DIVISION OF M-H ("S&P"), NOR ANY OF THEIR
AFFILIATES MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, AS TO THE ACCURACY, ADEQUACY
OR COMPLETENESS OF ANY OF THE INFORMATION CONTAINED IN THE MATERIALS IDENTIFIED
ABOVE. ALL SUCH MATERIALS ARE PROVIDED TO SUBSCRIBER ON AN "AS-IS" BASIS,
WITHOUT ANY WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
OR USE NOR WITH RESPECT TO RESULTS WHICH MAY BE OBTAINED FROM THE USE OF SUCH
MATERIALS. NEITHER M-H, S&P, NOR THEIR AFFILIATES SHALL HAVE ANY RESPONSIBILITY
OR LIABILITY FOR ANY ERRORS OR OMISSIONS NOR SHALL THEY BE LIABLE FOR ANY
DAMAGES, WHETHER DIRECT OR INDIRECT, SPECIAL OR CONSEQUENTIAL, INCLUDING LOSS OF
PROFITS, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN
NO EVENT SHALL THE LIABILITY OF M-H, S&P, OR ANY OF THEIR AFFILIATES PURSUANT TO
ANY CAUSE OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED THE FEE
PAID BY SUBSCRIBER FOR ACCESS TO SUCH MATERIALS IN THE MONTH IN WHICH SUCH CAUSE
OF ACTION IS ALLEGED TO HAVE ARISEN. FURTHERMORE, NEITHER M-H NOR S&P NOR ANY OF
THEIR AFFILIATES SHALL HAVE ANY RESPONSIBILITY OR LIABILITY FOR DELAYS OR
FAILURES DUE TO CIRCUMSTANCES BEYOND THEIR CONTROL. 
 
The foregoing terms and conditions shall survive any termination of Subscriber's
rights of access to the materials identified above. 
 
23. Medline(R) Database 
 
National Library of Medicine ("NLM") represents that the materials provided in
the Medline Database were formulated with a reasonable standard of care. Except
for this representation, NLM MAKES NO REPRESENTATION OR WARRANTIES, EXPRESSED OR
IMPLIED. THIS INCLUDES, BUT IS NOT LIMITED TO, ANY IMPLIED WARRANTY OF
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND NLM SPECIFICALLY
DISCLAIMS ALL SUCH WARRANTIES AND REPRESENTATIONS. 
 
Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. 
 
24. MICROMEDEX(TM) Materials 
 
THE FOLLOWING PROVISIONS APPLY TO SUBSCRIBER'S USE OF THE MATERIALS ("DATA")
WHICH ARE PROVIDED BY MICROMEDEX, INC. ("MICROMEDEX"). 
 
LIMITATION ON USE: THE DATA, AS AVAILABLE IN THE ONLINE SERVICES, NEITHER
PURPORTS TO BE NOR CONSTITUTES MEDICAL ADVICE. ANY USE OF THE DATA FOR PATIENT
CARE, TREATMENT, CONSULTATION, OR RESEARCH AND DEVELOPMENT OF MEDICAL SERVICES
OR PHARMACEUTICALS IS STRICTLY PROHIBITED. 
 
WARRANTY DISCLAIMER: THE DATA IS LICENSED TO SUBSCRIBER ON AN "AS IS" BASIS AND
ALL WARRANTIES OF ANY TYPE, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY
WARRANTY OF MERCHANT ABILITY OR OF FITNESS FOR A PARTICULAR PURPOSE, ARE HEREBY
EXPRESSLY DISCLAIMED.
 
LIMITATION ON LIABILITY: IN ANY ACTION AGAINST LEXIS-NEXIS OR ITS LICENSOR,
MICROMEDEX, RELATING TO THE SUBSCRIPTION AGREEMENT AND TO THE DATA, SUBSCRIBER
SHALL NOT BE ENTITLED TO RECOVER ANY COSTS, EXPENSES, ATTORNEYS' FEES AND/OR
DAMAGES IN EXCESS OF THE TOTAL OF ALL PAYMENTS MADE BY SUBSCRIBER TO LEXIS-NEXIS
RELATING TO THE DATA DURING THE TWELVE MONTHS IMMEDIATELY PRECEDING WHEN THE
CLAIM AROSE. ALL OTHER COSTS, EXPENSES, ATTORNEYS' FEES AND/OR DAMAGES, WHETHER
DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL (INCLUDING, BUT NOT LIMITED TO,
DAMAGES RESULTING FROM LOST BUSINESS OPPORTUNITY, LOST PROFITS, LOST DATA OR
INJURY TO PERSONS OR PROPERTY) ARE EXCLUDED AND ARE NOT RECOVERABLE IN ANY
ACTION RELATING TO THE SUBSCRIPTION AGREEMENT OR TO THE DATA, EVEN IF
LEXIS-NEXIS HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH COSTS,
EXPENSES, ATTORNEYS' FEES AND/OR DAMAGES. 
 
25. NASDAQ/National Market System Data 
 
National Association of Securities Dealers, Inc. ("NASD"), NASDAQ, Inc., NASD
Market Services, Inc. and subsidiaries and affiliates of NASD (collectively, the

"Corporations") do not guarantee the timeliness, sequence, accuracy, or
completeness of any information or data received by Subscriber through the
Online Services. The Corporations shall not be liable in any way to Subscriber
or to any other person, firm, or corporation whatever for any delays,
inaccuracies, errors in, or omissions of, any such information or data or the
transmission thereof, or for any damages arising therefrom or occasioned thereby
or by reason of nonperformance or interruption of Online Services for any cause
whatsoever. 
 
26. Newsweek Magazine 
 
Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. 
 
27. New York Department of State Corporate/Limited Partnership Records 
 
TO THE EXTENT THAT ANY OF THE INFORMATION, MATERIAL OR DATA OBTAINED FROM
LEXIS-NEXIS, A DIVISION OF REED ELSEVIER INC. IS DERIVED FROM THE NEW YORK
STATE, DEPARTMENT OF STATE, DIVISION OF CORPORATIONS AND STATE RECORDS: 
 
(1) ANY SUCH INFORMATION, MATERIAL OR DATA IS NOT AN OFFICIAL RECORD OF THE
DEPARTMENT OF STATE OR OF THE STATE OF NEW YORK; 
 
(2) LEXIS-NEXIS, A DIVISION OF REED ELSEVIER INC. HEREBY REPRESENTS AND
ACKNOWLEDGES THAT IT IS NOT AN EMPLOYEE OR AGENT, FOR ANY MATTER WHATSOEVER, OF
THE DEPARTMENT OF STATE OR THE STATE OF NEW YORK; 
 
(3) THIS DEPARTMENT AND THE STATE OF NEW YORK MAKE NO WARRANTIES, GUARANTEES OR
REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, OR ARISING BY CUSTOM OR
TRADE USAGE AS TO ANY MATTER WHATSOEVER, WITHOUT LIMITATION, AND SPECIFICALLY
MAKE NO IMPLED WARRANTY OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE
OR USE, INCLUDING BUT NOT LIMITED TO ADEQUACY, ACCURACY, CORRECTNESS,
COMPLETENESS, CURRENTNESS, RELIABILITY OR CONFORMITY TO ANY REPRESENTATION,
DESCRIPTION, SAMPLE OR MODEL; 
 
(4) NEITHER THE DEPARTMENT, THE STATE OF NEW YORK NOR ITS OFFICERS OR EMPLOYEES
SHALL BE RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED BY THE USE OF THE INFORMATION
MATERIAL OR DATA. 
 
28. New York State Unified Court System Materials 

The New York State Unified Court System ("UCS") does not warrant the
comprehensiveness, completeness, accuracy or adequacy for any particular use or
purpose of the information contained in its data bases and expressly disclaims
all other warranties, express or implied, as to any matter whatsoever. Neither
the UCS, its courts, court-related agencies or its officers or employees shall
be responsible for any loss or damage caused by the use of the information
contained in any of its data bases. 
 
29. Oxford University Press Materials 
 
The following provisions apply to Subscriber's use of the materials
("Materials") provided by Oxford University Press. 
 
Details of licenses (including site licenses) permitting storage of the
Materials in their entirety in a retrieval system may be obtained from the
Dictionary Department, Oxford University Press, Walton Street, Oxford OX2 6DP,
England (Telephone (0865) 56767). 
 
Oxford University Press gives no warranty as to the completeness or accuracy of
the Materials, or as to the suitability of the Materials for Subscriber's
purposes or otherwise; and to the extent permitted by applicable laws, Oxford
University Press will accept no liability to Subscriber in respect of any claim
or demand relating to or arising out of the Materials or their use or otherwise.
 
30. PDQ Database 
 
NATIONAL CANCER INSTITUTE ("NCI") represents that the PDQ Database was
formulated with a reasonable standard of care. EXCEPT FOR THE FOREGOING, NCI
MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY
IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH
RESPECT TO THE PDQ DATABASE. 
 
Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. 
 
31. SEC Online Database 
 
SEC Online, Inc. does not warrant the comprehensiveness, completeness, accuracy
or adequacy for any particular use or purpose of the information contained in
the SEC Online Database. SEC ONLINE, INC. EXPRESSLY DISCLAIMS ALL WARRANTIES,
EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER, INCLUDING ANY WARRANTY OF
MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE WITH REGARD TO THE SEC
ONLINE DATABASE. SEC Online, Inc. shall not be responsible for any loss or
damage caused as a result of the use of the information contained in the SEC
Online Database. SEC Online, Inc. reserves all right, title and interest in and
to the SEC Online Database. 
 
32. RusData DiaLine 
 
Information in RusData DiaLine is provided by RUSSICA Information, Inc.
("RUSSICA") and is derived from sources which RUSSICA considers to be
sufficiently reliable to justify inclusion. RUSSICA MAKES NO WARRANTIES, EXPRESS
OR IMPLIED, RELATING TO INFORMATION IN RUSDATA DIALINE, INCLUDING WITHOUT
LIMITATION, ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
PURPOSE OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE
INFORMATION. THE ENTIRE RISK OF USING THE INFORMATION IN RUSDATA DIALINE LIES
WITH THE USER. RUSSICA shall not be liable in any way to Subscriber or any third
party who may use the information in or from RusData DiaLine or to any other
person whatsoever for any damages arising in any way out of delays,
inaccuracies, errors or omissions in RusData DiaLine or information therein.
UNDER NO CIRCUMSTANCES WILL RUSSICA BE LIABLE TO USERS FOR ANY DAMAGES FOR ANY
REASON WHATSOEVER, WHETHER CONSEQUENTIAL, DIRECT, INDIRECT OR INCIDENTAL,
INCLUDING WITHOUT LIMITATION, LOST PROFITS, LOSS OF USE, EVEN IF RUSSICA HAS
BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING. 
 
33. Stock Exchange Data (Canadian Exchanges) 
 
The participating exchanges do not guarantee the sequence, accuracy or
completeness of the stock exchange data made available, nor shall they be liable
in any way to Subscriber or to any other person, firm or corporation for any
delays, inaccuracies, errors or omissions from the data, or in the transmission
thereof, or any non-performance or interruption of the Online Services, or for
any damages, consequential or otherwise, arising therefrom or occasioned
thereby, whether or not resulting from negligent acts or omissions on their
part. The participating exchanges, their members, governors, managers, officers,
employees and agents shall not in any event, including its or their own
negligence, be liable beyond the actual amount of the loss or damage, or the sum
of Fifty Dollars ($ 50.00), whichever is less. 
 
34. Stock Exchange Data (United States Exchanges) 
 
DATA NOT GUARANTEED -- The participating stock exchanges do not guarantee the
timeliness, sequence, accuracy or completeness of the stock exchange data made
available, or of other market information or messages disseminated, by any
participating stock exchange. No participating stock exchange will be liable in
any way to any person for 
 
(a) any inaccuracy, error or delay in, or omission of, 
   (i) any such data, information or message, or 
  (ii) the transmission or delivery of any such data, information or message, or
 
(b) any loss or damage arising from or occasioned by 
   (i) any such inaccuracy, error, delay or omission, 
  (ii) non-performance, or 
 (iii) interruption in any such data, information or message, due either to any
negligent act or omission by any participating stock exchange or to any "Force
Majeure" (i.e., any flood, extraordinary weather conditions, earthquake or other
act of God, fire, war, insurrection, riot, labor dispute, accident, action of
government, communications or power failure, or equipment or software
malfunction) or any other cause beyond the reasonable control of any
participating stock exchange.
 
35 Tax Analysts' Databases 
 
The materials in Tax Analysts' databases are made available to assist members of
the bar and other tax professionals, but not to provide legal advice to any
person. Although Tax Analysts believes that the information in these databases
is accurate, necessarily each user must exercise professional judgment when
using these databases and take responsibility for their use. Tax Analysts does
not make, and no user receives, any warranty whatsoever with respect to them,
AND PARTICULARLY NO WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE AND NO WARRANTY
OF MERCHANTABILITY. NO EMPLOYEE OF TAX ANALYSTS OR LEXIS-NEXIS IS AUTHORIZED TO
PROVIDE ORAL REPRESENTATIONS OR WARRANTIES WITH RESPECT TO TAX ANALYSTS'
PRODUCTS. 
 
36. The American Banker; The Bond Buyer 
 
Subscriber may not store materials retrieved from The American Banker or The
Bond Buyer in a machine-readable database or in a machine-readable form for more
than 30 days. Subscriber must seek written consent from American Banker-Bond
Buyer to reproduce materials retrieved by photocopying, electronic transmission,
or otherwise in any way not specified in the General Terms and Conditions. 
 
37. The Cincinnati Enquirer 
 
Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. 
 
38. The New York Times 
 
Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. "The Information Bank" is a registered
trademark of The New York Times Company. 
 
39. The Washington Post 
 
Subscriber may not publish, broadcast, sell or otherwise redistribute these
materials for commercial purposes. 
 
40. Thomson Bank Directory 
 
Subscriber may not store materials retrieved from the Thomson Bank Directory in
a machine-readable database or in a machine-readable form for more than 30 days.
Subscriber must seek written consent from Thomson Financial Publishing, Inc. to
reproduce materials retrieved by photocopying, electronic transmission, or
otherwise in any way not specified in the General Terms and Conditions. 
 
41. Uniform Commercial Code Filing Records 
 
Use of uniform commercial code filing records in connection with transactions
with consumers, including but not limited to extension of credit, review or
collection of credit accounts, employment purposes, determination of eligibility
for insurance or determination of eligibility for any governmental license or
benefit, is prohibited. Uniform commercial code filing records are provided for
informational purposes only. Accuracy and completeness of these materials are
not warranted. Verification of these materials can be obtained through LEXIS
Document Services or the appropriate public offices. 
 
42. VISTA Environmental Information Database 
 
VISTA DOES NOT WARRANT THE ACCURACY, TIMELINESS, MERCHANTABILITY, COMPLETENESS,
OR USEFULNESS OF ANY OF THE INFORMATION PROVIDED. IN NO EVENT SHALL VISTA, ITS
OFFICERS, EMPLOYEES OR AGENTS, OR EITHER, BE LIABLE FOR ANY LOSSES OR OTHER
CONSEQUENTIAL, INCIDENTAL, EXEMPLARY OR SPECIAL DAMAGES RELATING IN WHOLE OR
PART TO THE USE OF VISTA INFORMATION. 

43. West Publishing Company Materials 
 
Subscriber may use materials provided by West Publishing Company for research
purposes only, and may not publish, broadcast, sell or otherwise redistribute
these materials for commercial purposes. 

 


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