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SUBSCRIPTION/LEASE AGREEMENT
1. The Publisher has this day.will deliver(ed) to subscriber the Publications described on the other side hereof and agrees to furnished periodic supplements if applicable.

2. All leased publications and subsequent editions furnished to the subscriber shall be the property of the publisher, to be returned at the expiration date of the contract.

3. This agreement will be in full force and effect for twelve months beginning with the delivery date of the publications ordered. The agreement will automatically renew for an additional 12-month period if not terminated by the subscriber/lessee in writing to the publisher prior to the anniversary date of the agreement. The agreement will continue to be extended from year to year, unless terminated by the subscriber/lessee. No credit or refund will be made for any unused portion of the agreement period. Nor will the return of the publication be accepted in lieu of payment, their return does not release the subscriber/lessee from his obligations under this agreement, except when the agreement is terminated in accordance with the terms previously set forth.

4. All subsequent renewals will be at prevailing prices, and are subject to all of the terms and conditions of this agreement.

5. The information and publications shall be kept strictly confidential for subscriber/lessee's sole use.

6. The information contained in the publication is believed to be reliable, but its accuracy is not guaranteed. The publisher shall not be liable for any errors or omissions.

7. The lessee shall be liable for the loss or destruction of all leased Publications described on the other side hereof, and/or subsequent editions furnished to the subscriber/lessee, to the extent of 100% of the annual lease amount.

8. Delivery of updated services may be withheld if payment is not made in accordance with the terms of the agreement. Withholding updated services does not affect the subscriber/lessee obligations under this agreement. On PUBLISHER's retention of legal counsel to collect any unpaid invoices, an additional 25% therof representing PUBLISHER's legal fees shall be added thereto and immediately be due and owing. User agrees that in any plenary action to recover any sums due under this contract, personal service of the summons and complaint is waived and service of it may be made by regular and certified mail to the last known address of User.

Delivery of updated services may be withheld if if payment is not made in accordance with the terms of the agreement. Withholding updated services does not affect the lessee/ subscribers obligations under this agreement.

SUBSCRIBERS/LESSEE INITIALS ________________________________________