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STEP 3: TERMS & CONDITION

1. Due to the success and high demand of this new methodology, refunds will not be given on purchases of the 3 Stocks to Wealth Newsletter for premium, ultimate and elite subscribers. However, we are bound to deliver it as described under the terms of agreement when ordering.

2. All subscriptions will automatically renew after the trial and each subscription period, before any rebates, unless cancelled prior to the renewal date. Lifetime subscriptions will not be charged again after full payment is received. Subscriptions may be cancelled at any time with no further payment due from the date of cancellation.

3. The "Investtobefree" electronic subscriptions (including the "3 Stocks to Wealth Premium subscription") provide information regarding the "Investtobefree" approach to trading securities and options and information regarding certain securities Investtobefree.com LLC (the "Company") has identified that may be of interest to subscribers for independent investigation in making investment decisions. This information is provided with the understanding that neither the Company nor Mr. Neall is engaged in rendering legal, accounting, financial, investment or other professional service. If legal advice or other expert assistance is required, the services of a competent professional person should be sought.

4. The Company and Mr. Neall specifically disclaim any liability, loss or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the information provided in the 3 Stocks to Wealth subscription, or the associated web site, or books provided by or acquired through the 3 Stocks to Wealth subscription or the associated web site.

5. As consideration for subscribers being provided access to the information provided by Company in the 3 Stocks to Wealth subscription and the related web site you agree that the Company and Mr. Neall shall not be held liable for any investment losses you may incur by using the information including your trading the stocks or options mentioned in the 3 Stocks to Wealth subscriptions or other Company publications.

6. Subscriber agrees not to copy or re-distribute the 3 Stocks to Wealth or other materials on the website without the prior written consent of the Company. Any such unauthorized copying or distribution shall be considered a violation of the Company's copyright and may also result in the termination of the subscription without refund.

7. The subscriber agrees that the 3 Stocks to Wealth subscription and the web site and any other information provided, are offered for educational purposes only and the use of the information is undertaken at the subscribers own risk. No warranties are made by the Company, its subsidiaries, its agents, or any of its employees or officers that the 3 Stocks to Wealth or the web site will operate error-free or without interruption. No warranties are made as to the accuracy of the information in the 3 Stocks to Wealth subscription or on the web site or other information provided to users.

8. THE 3 Stocks to Wealth Premium subscription, THE WEB SITE, ITS CONTENT, AND ANY INFORMATION SERVICES OR MERCHANDISE CONTAINED THEREIN ARE PRESENTED "AS IS." NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ARE MADE BY THE COMPANY, ITS AGENTS, AFFILIATES, EMPLOYEES OR OFFICERS. TO THE FULL EXTENT PERMISSIBLE BY FEDERAL, STATE AND LOCAL LAW, THE COMPANY DISCLAIMS ALL WARRANTIES. THE COMPANY IS NOT RESPONSIBLE FOR ANY DIRECT OR INDIRECT DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO ANY INJURY, LOSS, CLAIM, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND, ARISING FROM THE USE OF THIS SITE. THE USER WAIVES TRIAL BY JURY. NOTWITHSTANDING THE FORGOING, ALL CLAIMS FOR DAMAGES ARE LIMITED TO THE AMOUNT PAID BY SUBSCRIBER FOR SUBSCRIBERS CURRENT SUBSCRIPTION.

9. These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of North Carolina, without giving effect to its conflicts of law provisions. Subscribers hereby submit, through use of the 3 Stocks to Wealth Premium Subscription and the web site, to the exclusive jurisdiction of the courts of the State of North Carolina and of any United States courts located within that jurisdiction for purposes of any and all litigation arising out of the use of this site, or the purchase of any goods made through this Web site. User waives any objections to the forum of Wake County, NC for lack of venue, forum non conveniens, or any other jurisdictional ground.

10. None of the information contained in the 3 Stocks to Wealth Premium subscription, website or other materials constitutes a recommendation to buy or sell a particular security. The information is presented for educational purposes only. In vestment research and all investment decisions are solely the responsibility of the subscriber.

11. Stock trading and option trading involves high risks and you can lose your money. Being a successful paper trader during one time period does not mean that you will make money when you actually invest during a later time period. Market conditions constantly change. When investing in securities or options you may lose all of the money you invested.

12. Mr. Neall and Investtobefree.com LLC, its founder and officers, directors and employees are not financial advisors or brokers and can not and do not offer or provide financial advice based on a subscribers personal financial situation or goals.

13. 3 Stocks to Wealth Newsletter is published 48 times per year. Cancellations can be made via the members site. Please allow 1 week for cancellations to be processed. Any charge made after the date of the cancellation request will be refunded.

14. Investtobefree.com LLC, its officers, directors and employees may or may not already own stocks mentioned on the 3 Stocks to Wealth subscription site and any emailed updates.

15. The 3 Stocks to Wealth Premium subscription and related web site are directed solely to individuals residing in the United States.

16. Stock and Option trading and investing involves risk of loss to investment capital and past performance is not a guarantee of future results.

17. Investtobefree.com LLC, its officers, directors and employees are never paid to promote stocks appearing in the 3 Stocks to Wealth premium subscription.

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