Terms and Conditions
1cch.com and its subsidiaries provide the materials contained on this web site to our customers and visitors. 1cch.com requires that all visitors to the Site adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. 1cch.com may revise these Terms and Conditions at any time by updating this posting, which revisions will be binding upon all visitors to the Site. You should therefore visit this posting to review these Terms and Conditions from time to time as you visit the Site. For purposes of these Terms and Conditions references to 1cch.com include its affiliates, directors and employees.

Governing Laws and Regulations
User access to and use of the Site is subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. Arkansas law and Federal law will govern the interpretation and enforcement of these Terms and Conditions.

Copyright and Trademark Policies
The information contained at the Site, including but not limited to text and images herein (other than certain images licensed from third parties) and their arrangement, are copyright ©2004 by 1cch.com. All rights reserved. This Web site and its entire contents are for personal use only and may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted or distributed in any way, without 1cch.com's prior written permission.

Ownership of materials
Except as otherwise indicated, this Web site and its entire contents including, but not limited to, the text, information, material, software and graphics contained on this Website, are owned by 1cch.com and its affiliates. The Materials are protected by copyright, trademark and other intellectual property laws and treaties. 1cch.com makes no proprietary claim to any third-party names, trademarks or service marks appearing on this Web site. Any third-party names, trademarks, and service marks are the properties of their respective owners.

The Materials may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted, or distributed in any way without 1cch.com's prior written permission.

By posting a message or contributing in anyway to this Web site, including, but not limited to, sending comments and e-mail, to this Web site, you expressly grant 1cch.com the right to use in any way, copy, republish or sell your message or other contribution as part of its property.

1cch.com reserves the right to change, update, discontinue, or restrict or prevent access to this Web site or the Materials at any time without notice.

Disclaimer and Limitation on Liability
BY USING THIS WEB SITE, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS WEB SITE AND THE INTERNET GENERALLY. THE INFORMATION IS PROVIDED "AS IS," WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND. IN NO EVENT SHALL 1cch.com BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, AND DAMAGES RESULTING FROM LOSS OF USE, DATA, OR PROFITS, OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS OR ANY HYPERLINKED Web SITE, EVEN IF 1cch.com OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This Web site is intended to assist readers by providing financial data, ressources and editorial information on financial products. 1cch.com will not be responsible for any errors or omissions in the Materials or information provided on this Web site, any articles or postings for hyperlinks embedded in messages, nor for any loss or damage caused by your reliance on information obtained on this Web site or in a hyperlinked site.

This Web site provides information and advice based on our editorial content and advice of financial professionals. While 1cch.com believes such information and advice to be reliable, we make no claims or representations about the accuracy, reliability, timeliness, usefulness or completeness of such information or advice. All information and advice given on this Web site is intended only to assist you with financial decisions. However, by nature such information is broad in scope. Your financial situation is unique and our information and advice may not be appropriate for your situation. Accordingly, 1cch.com recommends that you get different opinions and seek the advice of your accountant and other financial advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. You should not rely on any information or advice you obtain on this Web site. Any reliance by you on any information or advice will be at your own risk.

This Web site may provide chat rooms, bulletin boards and other means for the public to contribute information and make statements. 1cch.com does not make any endorsements of these statements nor representations that the statements are true and accurate. 1cch.com reserves the right to edit statements made within these forums. We also reserve the right to limit or restrict access to users who abuse these forums. You should be cautious when acting on information provided by contributors to these chat rooms. You should not rely solely upon the information and opinions of the chat rooms or bulletin boards.

Links to third-party sites:
This Web site contains links to third-party sites. These links are provided for convenience purposes and are not under the control of 1cch.com. 1cch.com does not make any representations and warranties, express or implied, regarding the content of any of these linked sites. These links do not constitute or imply an endorsement, authorization, sponsorship or affiliation by 1cch.com with respect to any third party, any third party's Web site, the content of any third party's Web site, or any products or services provided by a third party.

Governing law and jurisdiction
These terms and conditions of use shall be governed by and construed in accordance with the laws of the United States of America and the state of Texas, without giving effect to any choice of law or conflict of law provision or rule (whether of the state of Arkansas or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the United States or the state of Arkansas. By using this Web site, you consent to the jurisdiction of the state and federal courts Little Rock, Arkansas, U.S.A. for any action or proceeding arising under or relating to these Terms of Use, this Web site or the use of, or reliance on, this Web site.