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EUROFINANCE

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TERMS OF USE

By accessing the eurofinance.com web site at www.eurofinance.com or by otherwise
accessing any content found on this web site, you are deemed to have entered
into an agreement with EuroFinance Conferences Limited (“EuroFinance”) and to
have agreed to be bound by the terms set out below. The Site is owned and
operated by EuroFinance.

EuroFinance and EuroFinance.com are trading names of:

EuroFinance Conferences Limited

Registered in England and Wales. No. 03015764
VAT no: GB 340 4368 76

Registered office: The Adelphi, 1-11 John Adam Street, London, WC2N 6HT, United
Kingdom.


1. INTELLECTUAL PROPERTY PROTECTION

The contents and design of the Site and any material e-mailed to you or
otherwise supplied to you in conjunction with the Site (such contents, design
and materials being collectively referred to as the “EuroFinance Content”), are
copyright of EuroFinance and its licensors. You may not use or reproduce or
allow anyone to use or reproduce any trade marks (such as “EuroFinance” name and
logo or other trade names appearing on the Site) for any reason without written
permission from EuroFinance. The software which operates the Site is proprietary
software and you may not use it except as expressly allowed under these Terms.
You may not copy, reverse engineer, modify or otherwise deal with the software.


2. USE OF EUROFINANCE CONTENT

You may retrieve and display EuroFinance Content on a computer screen or (if
expressly authorised) mobile telephone, print individual pages on paper (but not
photocopy them) and store such pages in electronic form on your mobile telephone
for your personal, non-commercial use. Except as expressly set out above, you
may not reproduce, modify or in any way commercially exploit any of the
EuroFinance Content. In particular, but without limiting the general application
of the restrictions contained in the preceding sentence, you may not do any of
the following without prior written permission from EuroFinance:

 * reproduce or store in or transmit to any other web site, newsgroup, mailing
   list, electronic bulletin board, server or other storage device connected to
   a network or regularly or systematically store in electronic or print form,
   all or any part of the EuroFinance Content, or
 * modify, publish, transmit, participate in the transfer or sale of, reproduce,
   create derivative works from, distribute, perform, display, or in any way
   exploit all or any part of the EuroFinance Content (including use as part of
   any library, archive or similar service) without the prior written consent of
   EuroFinance,
 * remove the copyright or trade mark notice from any copies of the EuroFinance
   Content made under these Terms.

Any use of the EuroFinance Content not specifically permitted above is expressly
prohibited. Requests for permission for other uses may be sent to
eurofinance.com, 20 Cabot Square, London, E14 4QW, United Kingdom,or by emailing
marketing@eurofinance.com.


3. LICENCE FEE, PAYMENT, AND TRANSACTIONS

Access to certain EuroFinance Content may be subject to a fee. All payments
(including applicable taxes) must be made in advance in sterling (£) or other
currency specified by EuroFinance. You are responsible for the payment of all
charges associated with the use of the Site using your ID. If your use of the
Site is terminated by EuroFinance, you will be entitled to receive a refund of
any credits or pre-payments which remain unused at the time of termination
unless such use is terminated because you are in breach of these Terms. You will
continue to be responsible for any fees or other charges incurred by you prior
to such termination. You may use the Site to purchase products or services from
EuroFinance’s third party partners. In that event, your contract for such
products will be with the third party partner and not with EuroFinance.Refunds
can only be made to the credit/debit/charge card that was used for the original
purchase. All refunds are at the discretion of Eurofinance.com.


4. TERM AND TERMINATION

EuroFinance may, in its discretion, terminate or suspend your access to all or
part of the Site (including any right to access and use the EuroFinance Content)
with or without cause by delivering notice to you. The rights of termination are
in addition to all other rights or remedies of EuroFinance provided in these
Terms or by law.


5. CHANGES TO THE SITE

EuroFinance reserves the right, in its discretion, to suspend, change, modify,
add or remove portions of the EuroFinance Content available on the Site at any
time and to restrict the use and accessibility of the Site.

Certain areas of the Site may only be open to you if you register. You are
solely responsible for the confidentiality and use of and access to the
EuroFinance Content and the Site using your user name, sign-on password, and/or
I.D. You agree to immediately notify EuroFinance if you become aware of any loss
or theft of any sign-on password or I.D. or any unauthorised use of a sign-on
password, I.D., user name, or of the EuroFinance Content or the Site. You will
provide EuroFinance with accurate, complete registration information (including
in particular your e-mail address) and inform EuroFinance of any changes to such
information. For the purpose of confirming your compliance with the terms of
these Terms, EuroFinance reserves the right to monitor and record activity on
the Site, including access to the EuroFinance Content. Each registration is for
a single user only. You may not share your user name and password with any other
person, nor may you share or transfer your subscription. EuroFinance does not
permit access through a single name and password being made available to
multiple users on a network. EuroFinance may cancel or suspend your access to
the Site if you do this without further obligation to you.


7. PRIVACY POLICY

EuroFinance is part of The Economost Group. The information that you provide
about yourself to EuroFinance will only be used in accordance with The Economist
Group’s Privacy Policy Statement. To read more about our privacy policy, please
go to www.economistgroup.com/privacy.


8. COMMUNITY FORUMS

The Site may include bulletin boards, discussion groups and other public areas
that allow feedback to EuroFinance and interaction between users and EuroFinance
representatives (“Forums”). While EuroFinance does not control the
information/materials posted to Forums by users (the “Messages”), it reserves
the right (which it may exercise at its sole discretion without notice) to
delete, move or edit the Messages and to terminate your access to and use of the
Forums. You are solely responsible for the content of your Messages. You must
comply with any rules posted by EuroFinance on a Forum. You may not:

 * post, link to or otherwise publish any Messages containing any form of
   advertising or promotion for goods and services or any chain Messages or
   “spam”;
 * post, link to or otherwise publish any Messages with recommendations to buy
   or refrain from buying a particular security or which contain confidential
   information of another party or which otherwise have the purpose of affecting
   the price or value of any security:
 * post, link to or otherwise publish any Messages that are unlawful,
   threatening, abusive, libellous, indecent, infringe copyright or other rights
   of third parties or which contain any other form of illegal content;
 * post or otherwise publish any Messages that contain a virus or other harmful
   component;
 * disguise the origin of any Messages;
 * impersonate any person or entity (including EuroFinance employees or Forum
   guests or hosts) or misrepresent any affiliation with any person or entity;
 * post or otherwise publish any Messages unrelated to the Forum or the Forum’s
   topics;
 * post or transmit any Messages that contain software viruses, files or code
   designed to interrupt, destroy or limit the functionality of the Site or any
   computer software or equipment;
 * collect or store other users’ personal data;
 * restrict or inhibit any other user from using the Forums.

By submitting Messages to any Forum you agree to indemnify and hold harmless
EuroFinance from all claims, costs and expenses (including legal expenses)
arising out of any Messages posted or published by you that are in breach of
this section 8. The Forums contain Messages submitted by users over whom
EuroFinance has no control. EuroFinance cannot guarantee the accuracy, integrity
or quality of any Messages. Some users may breach these terms and post Messages
that are misleading, untrue or offensive. You must bear all risk associated with
your use of the Forum and should not rely on Messages in making (or refraining
from making) any specific investment or other decisions. By submitting Message
to a Forum you are granting EuroFinance perpetual royalty free non-exclusive
licence to reproduce, modify, translate, make available, distribute and
sub-license the Message in whole or in part and in any form. This may include
personal information such as your user name and alias and your expressions of
opinion. EuroFinance reserves the right to contact you by e-mail with regard to
your use of the Forums. You waive any moral rights that you may have in regard
to the Messages you submit. It is not possible for EuroFinance to fully and
effectively monitor Messages that are submitted for infringement of third party
rights. If you believe that a message infringes your legal rights, you should
notify EuroFinance immediately by emailing conferences@www.eurofinance.com.


9. NO WARRANTY, DISCLAIMER OF LIABILITY AND INDEMNITY

Whilst every effort has been made to ensure the high quality and accuracy of the
Site, EuroFinance makes no warranty, express or implied concerning EuroFinance
Content, the Site, software or products or services available through the Site
(the “Site Services”), which are provided “as is”. EuroFinance expressly
disclaims all warranties, including but not limited to warranties of fitness for
a particular purpose and warranties of merchantability. In no event will
EuroFinance, its affiliates or other suppliers be liable for direct, special,
incidental, or consequential damages (including, without limitation, damages for
loss of business profits, business interruption, loss of business information or
other pecuniary loss) arising directly or indirectly from the use of (or failure
to use) or reliance on the Site Services, even if EuroFinance has been advised
of the possibility that such damages may arise. EuroFinance does not guarantee
the accuracy, content, or timeliness of the Site Services or that they or
related systems are year 2000 compliant or free from viruses or other
contaminating or destructive properties. In no event will any liability of
EuroFinance, its affiliates, agents and licensors to you (and/or any third
party) arising out of any kind of legal claim (whether in contract, tort, or
otherwise) in any way connected with the Site Services or breach of these Terms
by EuroFinance exceed the amount, if any, paid by you to EuroFinance in respect
of the particular Site Service to which the claim relates. Upon EuroFinance’s
request, you agree to defend, indemnify and hold harmless EuroFinance from any
claims and expenses, including reasonable legal fees, related to any breach of
these Terms by you or your use of any Site Services.


10. FORCE MAJEURE

EuroFinance, its affiliates and its information providers will not be liable or
deemed to be in default for any delay or failure in performance or interruption
of the delivery of EuroFinance Content resulting directly or indirectly from any
cause or circumstance beyond its or their reasonable control, including but not
limited to failure of electronic or mechanical equipment or communication lines,
telephone or other interconnect problems, computer viruses, unauthorised access,
theft, operator errors, severe weather, earthquakes or natural disasters,
strikes or other labour problems, wars, or governmental restrictions.


11. MISCELLANEOUS CHANGES TO THESE TERMS

EuroFinance may, in its discretion, change these Terms (including those relating
to your use of Site and/or the EuroFinance Content). When Terms are changed,
EuroFinance will notify you by email or by publishing details of those changes
by including them in these Terms. If you use the Site after EuroFinance has
published or notified you of the changes, you are agreeing now to be bound by
those changes. If you do not agree to be bound by those changes, you should not
use the Site any further after they are published. Access to certain the
EuroFinance Content may be subject to additional terms and conditions.


ADVERTISING, THIRD PARTY CONTENT AND OTHER WEB SITES

Parts of the Site may contain advertising or other third party content.
Advertisers and other content providers are responsible for ensuring that
material submitted for inclusion on the Site complies with international and
national law. EuroFinance is not responsible for any third party content or
error, omission or inaccuracy in any advertising material. The Site may contain
links to other web sites. EuroFinance is not responsible for the availability of
these web sites or their contents.


ASSIGNMENT OF AGREEMENT

This agreement is personal to you and your rights and obligations under these
Terms may not be assigned, sub-licensed or otherwise transferred. This agreement
may be assigned to a third party by EuroFinance.


NON-WAIVER

No delay or omission on the part of either party in requiring performance by the
other party of its obligations will operate as a waiver of any right.


NOTICES

Notices to EuroFinance must be given in writing by letter and sent to
EuroFinance’s last known place of business in London (for the attention of the
General Counsel).


SEVERABILITY/SURVIVAL/STATUTE OF LIMITATIONS

If any provision of these Terms is invalid or unenforceable, such will not
render all the Terms unenforceable or invalid but rather the Terms will be read
and construed as if the invalid or unenforceable provision(s) are not contained
therein. Any cause of action of yours with respect to these Terms must be filed
in a court of competent jurisdiction in London, England, within one year after
the cause of action has arisen, or such cause will be barred, invalid, and void.


WHOLE AGREEMENT

Save as expressly referred to herein, any representation, warranty, term or
condition not expressly set out in these Terms shall not apply.


HEADINGS

Headings in these Terms are for convenience only and have no legal meaning or
effect.


12. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by, and construed in accordance with, English law.
The parties irrevocably agree that the courts of England shall (subject to the
paragraph below) have exclusive jurisdiction to settle any dispute which may
arise out of, under, or in connection with these Terms or the legal relationship
established by them, and for those purposes irrevocably submit all disputes to
the jurisdiction of the English courts. For the exclusive benefit of
EuroFinance, EuroFinance shall retain the right to bring proceedings as to the
substance of the matter in the courts of the country of your residence or, where
these Terms are entered into in the course of your trade or profession, the
country of your principal place of business.

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