1. and/or racially, ethnically, or otherwise objectionable;b) causing harm to minors in any manner whatsoever;c) impersonating any individual or entity, including, but not limited to, any GPS officials,forum leaders, guides or hosts or falsely stating or otherwise misrepresenting anyaffiliation with an individual or entity;d) forging captions, headings or titles or otherwise offering any content that you personallyhave no right to pursuant to any law nor having anycontractual or fiduciary relationshipwith;e) uploading, posting, emailing, transmitting or otherwise offering any such content thatmay infringe upon any patent, copyright, trademark,or any other proprietary or intellectualrights of any other party;f) uploading, posting, emailing, transmitting or otherwise offering any content that you donot personally have any right to offer pursuant toany law or in accordance with anycontractual or fiduciary relationship;g) uploading, posting, emailing, transmitting, or otherwise offering any unsolicited orunauthorized advertising, promotional flyers, "junkmail," "spam," or any other form ofsolicitation, except in any such areas that may have been designated for such purpose;h) uploading, posting, emailing, transmitting, or otherwise offering any source that maycontain a software virus or other computer code, any files and/or programs which havebeen designed to interfere, destroy and/or limit the operation of any computer software,hardware, or telecommunication equipment;i) disrupting the normal flow of communication, orotherwise acting in any manner thatwould negatively affect other users' ability to participate in any real time interactions;j) interfering with or disrupting any GPS Consulting GroupServices, servers and/ornetworks that may be connected or related to our website, including, but not limited to, theuse of any device software and/or routine to bypassthe robot exclusion headers;k) intentionally or unintentionally violating any local, state, federal, national or internationallaw, including, but not limited to, rules, guidelines, and/or regulations decreed by the U.S.Securities and Exchange Commission, in addition toany rules of any nation or othersecurities exchange, that would include without limitation, the New York Stock Exchange,the American Stock Exchange, or the NASDAQ, and anyregulations having the force oflaw;l) providing informational support or resources, concealing and/or disguising the character,location, and or source to any organization delegated by the United States government asa "foreign terrorist organization" in accordance toSection 219 of the ImmigrationNationality Act;

  2. m) "stalking" or with the intent to otherwise harass another individual; and/orn) collecting or storing of any personal data relating to any other member or user inconnection with the prohibited conduct and/or activities which have been set forth in theaforementioned paragraphs.GPS Consulting Group herein reserves the right to pre-screen, refuse and/or delete any contentcurrently available through our Services. In addition, we reserve the right to remove and/or deleteany such content that would violate the Terms or which would otherwise be considered offensiveto other visitors, users and/or members.GPS Consulting Group herein reserves the right to access, preserve and/or disclose memberaccount information and/or content if it is requested to do so by law or in good faith belief that anysuch action is deemed reasonably necessary for:a) compliance with any legal process;b) enforcement of the Terms;c) responding to any claim that therein contained content is in violation of the rights of anythird party;d) responding to requests for customer service; ore) protecting the rights, property or the personalsafety of GPS Consulting Group, itsvisitors, users and members, including the generalpublic.GPS Consulting Group herein reserves the right to include the use of security components thatmay permit digital information or material to be protected, and that such use of information and/ormaterial is subject to usage guidelines and regulations established by GPS Consulting Group orany other content providers supplying content services to GPS Consulting Group. You are herebyprohibited from making any attempt to override or circumvent any of the embedded usage rules inour Services. Furthermore, unauthorized reproduction, publication, distribution, or exhibition ofany information or materials supplied by our Services, despite whether done so in whole or inpart, is expressly prohibited.SECTION 4 - GLOBAL USE; EXPORT/IMPORT COMPLIANCEDue to the global nature of the internet, through the use of our network you hereby agree tocomply with all local rules relating to online conduct and that which is considered acceptablecontent. Uploading, posting and/or transferring ofsoftware, technology and other technical datamay be subject to the export and import laws of theUnited States and possibly other countries.Through the use of our network, you thus agree to comply with all applicable export and importlaws, statutes and regulations, including, but notlimited to, the Export Administration Regulations(http://www.access.gpo.gov/bis/ear/ear_data.html), as well as the sanctions control program ofthe United States (http://www.treasury.gov/resource-center/sanctions/Programs/Pages/Programs.aspx). Furthermore, you state and pledge that you:

  3. a) are not on the list of prohibited individuals which may be identified on any government export exclusion report(http://www.bis.doc.gov/complianceandenforcement/liststocheck.htm) nor a member of another government which may be part of an export-prohibited country identified in applicable export and import laws and regulations;b) agree not to transfer any software, technology or any other technical data through the use of our network Services to any export-prohibited country;c) agree not to use our website network Services for any military, nuclear, missile,chemical or biological weaponry end uses that would be a violation of the U.S. export laws;andd) agree not to post, transfer nor upload any software, technology or any other technical data which would be in violation of the U.S. or other applicable export and/or import laws.SECTION 5 - SUBMITTED CONTENT GPS Consulting Group shall not lay claim to ownership of any content submitted by any visitor,member, or user, nor make such content available for inclusion on our website Services.Therefore, you hereby grant and allow for GPS Consulting Group the below listed worldwide,royalty-free and non-exclusive licenses, as applicable:a) The content submitted or made available for inclusion on the publicly accessible areas of GPS Consulting Group's Sites, the license provided to permit to use, distribute,reproduce, modify, adapt, publicly perform and/or publicly display said Content on our network Services is for the sole purpose of providing and promoting the specific area to which this content was placed and/or made available for viewing. This license shall be available so long as you are a member of GPS Consulting Group's sites, and shall terminate at such time when you elect to discontinue your membership.b) Photos, audio, video and/or graphics submitted or made available for inclusion on the publicly accessible areas of GPS Consulting Group's Sites, the license provided to permit to use, distribute, reproduce, modify, adapt, publicly perform and/or publicly display said Content on our network Services are for the sole purpose of providing and promoting the specific area in which this content was placed and/or made available for viewing. This License shall be available so long as you are a member of GPS Consulting Group's sites and shall terminate at such time when you elect to discontinue your membership.c) For any other content submitted or made available for inclusion on the publicly accessible areas of GPS Consulting Group's sites, the continuous, binding and completely sub-licensable license which is meant to permit to use, distribute, reproduce, modify,adapt, publish, translate, publicly perform and/or publicly display said content, whether in whole or in part, and the incorporation of any such Content into other works in any arrangement or medium current used or later developed.Those areas which may be deemed "publicly accessible" areas of GPS Consulting Group's Sites Are those such areas of our network properties which are meant to be available to the general

  4. public, and which would include message boards andgroups that are openly available to bothusers and members. However, those areas which are not open to the public, and thus availableto members only, would include our mail system andinstant messaging.CONTRIBUTIONS TO COMPANY WEBSITEGPS Consulting Group may provide an area for our user and members to contribute feedback toour website. When you submit ideas, documents, suggestions and/or proposals("Contributions") to our site, you acknowledge and agree that:a) your contributions do not contain any type of confidential or proprietary information;b) GPS shall not be liable or under any obligationto ensure or maintain confidentiality,expressed or implied, related to any Contributions;c) GPS shall be entitled to make use of and/or disclose any such Contributions in any suchmanner as they may see fit;d) the contributor's Contributions shall automatically become the sole property of GPS; ande) GPS is under no obligation to either compensateor provide any form of reimbursementin any manner or nature.SECTION 6 - INDEMNITYAll users and/or members agree to insure and hold GPS Consulting Group, our subsidiaries,affiliates, agents, employees, officers, partners and/or licensors blameless or not liable for anyclaim or demand, which may include, but is not limited to, reasonable attorney fees made by anythird party which may arise from any content a member or user of our Site may submit, post,modify, transmit or otherwise make available through our Services, the use of GPS Services oryour connection with these Services, your violations of the Terms of Service and/or your violationof any such rights of another person.SECTION 7 - COMMERCIAL REUSE OF SERVICESThe member or user herein agrees not to replicate,duplicate, copy, trade, sell, resell nor exploitfor any commercial reason any part, use of, or access to GPS's sites.SECTION 8 - MODIFICATIONSGPS Consulting Groupreserves the right at any timeit may deem fit, to modify, alter and ordiscontinue, whether temporarily or permanently, our service, or any part thereof, with or withoutprior notice. In addition, we shall not be held liable to you or to any third party for any suchalteration, modification, suspension and/or discontinuance of our Services, or any part thereof.SECTION 9 - TERMINATION

  5. As a member of www.gpspolicysolutions.com, you maycancel or terminate your account,associated email address and/or access to our Services by submitting a cancellation ortermination request to .As a member, you agree that GPS Consulting Group may, without any prior written notice,immediately suspend, terminate, discontinue and/orlimit your account, any email associated withyour account, and access to any of our Services. The cause for such termination, discontinuance,suspension and/or limitation of access shall include, but is not limited to:a) any breach or violation of our Terms or any other incorporated agreement, regulationand/or guideline;b) by way of requests from law enforcement or any other governmental agencies;c) the discontinuance, alteration and/or material modification to our Services, or any partthereof;d) unexpected technical or security issues and/or problems;e) any extended periods of inactivity;f) any engagement by you in any fraudulent or illegal activities; and/org) the nonpayment of any associated fees that may be owed by you in connection withyour www.gpspolicysolutions.com account Services.Furthermore, you herein agree that any and all terminations, suspensions, discontinuances, andor limitations of access for cause shall be made atour sole discretion and that we shall not beliable to you or any other third party with regardsto the termination of your account, associatedemail address and/or access to any of our Services.The termination of your account with www.gpspolicysolutions.com shall include any and/or all ofthe following:a) the removal of any access to all or part of theServices offered withinwww.gpspolicysolutions.com;b) the deletion of your password and any and all related information, files, and any suchcontent that may be associated with or inside youraccount, or any part thereof; andc) the barring of any further use of all or part ofour Services.SECTION 10 - LINKSEither GPS Consulting Group or any third parties may provide links to other websites and/orresources. Thus, you acknowledge and agree that weare not responsible for the availability ofany such external sites or resources, and as such,we do not endorse nor are we responsible orliable for any content, products, advertising or any other materials, on or available from such third-

  6. party sites or resources. Furthermore, you acknowledge and agree that GPS Consulting Groupshall not be responsible or liable, directly or indirectly, for any such damage or loss which may bea result of, caused or allegedly to be caused by orin connection with the use of or the reliance onany such content, goods or Services made availableon or through any such site or resource.SECTION 11 - PROPRIETARY RIGHTSYou do hereby acknowledge and agree that GPS Consulting Group's Services and any essentialsoftware that may be used in connection with our Services ("Software") shall contain proprietaryand confidential material that is protected by applicable intellectual property rights and other laws.Furthermore, you herein acknowledge and agree thatany Content which may be contained in anyadvertisements or information presented by and through our Services or by advertisers isprotected by copyrights, trademarks, patents or other proprietary rights and laws. Therefore,except for that which is expressly permitted by applicable law or as authorized by GPS ConsultingGroup or such applicable licensor, you agree not toalter, modify, lease, rent, loan, sell, distribute,transmit, broadcast, publicly perform and/or created any plagiaristic works which are based onGPS Consulting Group Services (e.g. Content or Software), in whole or part.GPS Consulting Group hereby grants you a personal,non-transferable and non-exclusive rightand/or license to make use of the object code or our Software on a single computer, as long asyou do not, and shall not, allow any third party toduplicate, alter, modify, create or plagiarize workfrom, reverse engineer, reverse assemble or otherwise make an attempt to locate or discern anysource code, sell, assign, sublicense, grant a security interest in and/or otherwise transfer anysuch right in the Software. Furthermore, you do herein agree not to alter or change the Softwarein any manner, nature or form, and as such, not touse any modified versions of the Software,including and without limitation, for the purpose of obtaining unauthorized access to our Services.Lastly, you also agree not to access or attempt toaccess our Services through any means otherthan through the interface which is provided by GPSConsulting Group for use in accessing ourServices.SECTION 12 - WARRANTY DISCLAIMERSYOU HEREIN EXPRESSLY ACKNOWLEDGE AND AGREE THAT:a) THE USE OF GPS CONSULTING GROUP SERVICES AND SOFTWARE ARE AT THESOLE RISK BY YOU. OUR SERVICES AND SOFTWARE SHALL BE PROVIDED ON AN"AS IS" AND/OR "AS AVAILABLE" BASIS. GPS CONSULTINGGROUP AND OURSUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS ANDLICENSORS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIESOF ANY KINDWHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANYIMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR APARTICULAR PURPOSE AND NON-INFRINGEMENT.b) GPS CONSULTING GROUP AND OUR SUBSIDIARIES, OFFICERS, EMPLOYEES,AGENTS, PARTNERS AND LICENSORS MAKE NO SUCH WARRANTIES THAT (i) GPSCONSULTING GROUP SERVICES OR SOFTWARE WILL MEET YOURREQUIREMENTS; (ii) GPS CONSULTING GROUP SERVICES OR SOFTWARE SHALL

  7. BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (iii) THAT SUCHRESULTS WHICH MAY BE OBTAINED FROM THE USE OF THE GPS CONSULTINGGROUP SERVICES OR SOFTWARE WILL BE ACCURATE OR RELIABLE; (iv)QUALITY OF ANY PRODUCTS, SERVICES, ANY INFORMATIONOR OTHERMATERIAL WHICH MAY BE PURCHASED OR OBTAINED BY YOUTHROUGH OURSERVICES OR SOFTWARE WILL MEET YOUR EXPECTATIONS; AND (v) THAT ANYSUCH ERRORS CONTAINED IN THE SOFTWARE SHALL BE CORRECTED.c) ANY INFORMATION OR MATERIAL DOWNLOADED OR OTHERWISE OBTAINED BYWAY OF GPS CONSULTING GROUP SERVICES OR SOFTWARE SHALL BEACCESSED BY YOUR SOLE DISCRETION AND SOLE RISK, ANDAS SUCH YOUSHALL BE SOLELY RESPONSIBLE FOR AND HEREBY WAIVE ANY AND ALL CLAIMSAND CAUSES OF ACTION WITH RESPECT TO ANY DAMAGE TOYOUR COMPUTERAND/OR INTERNET ACCESS, DOWNLOADING AND/OR DISPLAYING, OR FOR ANYLOSS OF DATA THAT COULD RESULT FROM THE DOWNLOAD OFANY SUCHINFORMATION OR MATERIAL.d) NO ADVICE AND/OR INFORMATION, DESPITE WHETHER WRITTEN OR ORAL,THAT MAY BE OBTAINED BY YOU FROM GPS CONSULTING GROUP OR BY WAYOF OR FROM OUR SERVICES OR SOFTWARE SHALL CREATE ANY WARRANTYNOT EXPRESSLY STATED IN THE TERMS.e) A SMALL PERCENTAGE OF SOME USERS MAY EXPERIENCESOME DEGREE OFEPILEPTIC SEIZURE WHEN EXPOSED TO CERTAIN LIGHT PATTERNS ORBACKGROUNDS THAT MAY BE CONTAINED ON A COMPUTER SCREEN OR WHILEUSING OUR SERVICES. CERTAIN CONDITIONS MAY INDUCE APREVIOUSLYUNKNOWN CONDITION OR UNDETECTED EPILEPTIC SYMPTOM IN USERS WHOHAVE SHOWN NO HISTORY OF ANY PRIOR SEIZURE OR EPILEPSY. SHOULD YOU,ANYONE YOU KNOW OR ANYONE IN YOUR FAMILY HAVE AN EPILEPTICCONDITION, PLEASE CONSULT A PHYSICIAN IF YOU EXPERIENCE ANY OF THEFOLLOWING SYMPTOMS WHILE USING OUR SERVICES: DIZZINESS, ALTEREDVISION, EYE OR MUSCLE TWITCHES, LOSS OF AWARENESS,DISORIENTATION,ANY INVOLUNTARY MOVEMENT, OR CONVULSIONS.SECTION 13 - LIMITATION OF LIABILITYYOU EXPLICITLY ACKNOWLEDGE, UNDERSTAND AND AGREE THAT GPS CONSULTINGGROUP AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS,PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY PUNITIVE,INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES,INCLUDING, BUT NOT LIMITED TO, DAMAGES WHICH MAY BERELATED TO THE LOSS OFANY PROFITS, GOODWILL, USE, DATA AND/OR OTHER INTANGIBLE LOSSES, EVENTHOUGH WE MAY HAVE BEEN ADVISED OF SUCH POSSIBILITYTHAT SAID DAMAGESMAY OCCUR, AND RESULT FROM:a) THE USE OR INABILITY TO USE OUR SERVICE;b) THE COST OF PROCURING SUBSTITUTE GOODS AND SERVICES;

  8. c) UNAUTHORIZED ACCESS TO OR THE ALTERATION OF YOURTRANSMISSIONSAND/OR DATA;d) STATEMENTS OR CONDUCT OF ANY SUCH THIRD PARTY ONOUR SERVICE;e) AND ANY OTHER MATTER WHICH MAY BE RELATED TO OURSERVICE.SECTION 14 - RELEASEIn the event you have a dispute, you agree to release GPS Consulting Group(and its officers,directors, employees, agents, parent subsidiaries,affiliates, co-branders, partners and any otherthird parties) from claims, demands and damages (actual and consequential) of every kind andnature, known and unknown, suspected or unsuspected, disclosed and undisclosed, arising outof or in any way connected to such dispute.SECTION 15 - NOTICEGPS Consulting Group may furnish you with notices,including those with regards to any changesto the Terms, including but not limited to email, regular mail, MMS or SMS, text messaging,postings on our website Services, or other reasonable means currently known or any which maybe herein after developed. Any such notices may notbe received if you violate any aspects of theTerms by accessing our Services in an unauthorizedmanner. Your acceptance of this Agreementconstitutes your agreement that you are deemed to have received any and all notices that wouldhave been delivered had you accessed our Services in an authorized manner.SECTION 16 - INTELLECTUAL PROPERTY RIGHTSYou herein acknowledge, understand and agree that all of the GPS Consulting Grouptrademarks,copyright, trade name, service marks, and other GPSConsulting Grouplogos and any brandfeatures, and/or product and service names are trademarks and as such, are and shall remain theproperty of GPS Consulting Group. You herein agreenot to display and/or use in any manner theGPS Consulting Grouplogo or marks without obtainingGPS Consulting Group's prior writtenconsent.GPS Consulting Group will always respect the intellectual property of others, and we ask that allof our users do the same. With regards to appropriate circumstances and at its sole discretion,GPS Consulting Group may disable and/or terminate the accounts of any user who violates ourTerms and/or infringes the rights of others. If youfeel that your work has been duplicated in sucha way that would constitute copyright infringement,or if you believe your intellectual propertyrights have been otherwise violated, you should provide to us the following information:a) The electronic or the physical signature of theindividual that is authorized on behalf ofthe owner of the copyright or other intellectual property interest;b) A description of the copyrighted work or other intellectual property that you believe hasbeen infringed upon;

  9. c) A description of the location of the site whichyou allege has been infringing upon yourwork;d) Your physical address, telephone number, and email address;e) A statement, in which you state that the allegedand disputed use of your work is notauthorized by the copyright owner, its agents or the law;f) And finally, a statement, made under penalty ofperjury, that the aforementionedinformation in your notice is truthful and accurate, and that you are the copyright orintellectual property owner, representative or agent authorized to act on the copyright orintellectual property owner's behalf.The GPS Consulting Group agent for notice of claims of copyright or other intellectual propertyinfringement can be contacted as follows:Mailing Address:GPS Consulting GroupAttn: Copyright AgentPO Box 1435Safety Harbor, Florida 34695Telephone: 7343068698Email:jody@gpspolicysolutions.comSECTION 17 - ENTIRE AGREEMENTThis Agreement constitutes the entire agreement between you and GPS Consulting Groupandshall govern the use of our Services, superseding any prior version of this Agreement betweenyou and us with respect to GPS Consulting Group Services. You may also be subject toadditional terms and conditions that may apply whenyou use or purchase certain other GPSConsulting Group Services, affiliate Services, third-party content or third-party software.SECTION 18 - CHOICE OF LAW AND FORUMIt is at the mutual agreement of both you and GPS Consulting Group with regard to theAgreement that the relationship between the partiesshall be governed by the laws of the state ofFlorida without regard to its conflict of law provisions and that any and all claims, causes of actionand/or disputes, arising out of or relating to theAgreement, or the relationship between you andGPS Consulting Group, shall be filed within the courts having jurisdiction within the County ofPinellas, Florida or the U.S. District Court located in said state. You and GPS Consulting Groupagree to submit to the jurisdiction of the courts as previously mentioned, and agree to waive anyand all objections to the exercise of jurisdictionover the parties by such courts and to venue insuch courts.SECTION 19 - WAIVER AND SEVERABILITY OF TERMS

  10. At any time, should GPS Consulting Group fail to exercise or enforce any right or provision of theAgreement, such failure shall not constitute a waiver of such right or provision. If any provision ofthis Agreement is found by a court of competent jurisdiction to be invalid, the parties neverthelessagree that the court should endeavor to give effectto the parties' intentions as reflected in theprovision, and the other provisions of the Agreement remain in full force and effect.SECTION 20 - NO RIGHT OF SURVIVORSHIP NON-TRANSFERABILITYYou acknowledge, understand and agree that your account is non-transferable and any rights toyour ID and/or contents within your account shall terminate upon your death. Upon receipt of acopy of a death certificate, your account may be terminated and all contents therein permanentlydeleted.SECTION 21 - STATUTE OF LIMITATIONSYou acknowledge, understand and agree that regardless of any statute or law to the contrary, anyclaim or action arising out of or related to the use of our Services or the Agreement must be filedwithin 7 year(s) after said claim or cause of action arose or shall be forever barred.SECTION 22 - VIOLATIONSPlease report any and all violations of this Agreement to GPS Consulting Group as follows:Mailing Address:GPS Consulting GroupPO Box 1435Safety Harbor, Florida 34695Telephone: 7343068698Email:jody@gpspolicysolutions.comSECTION 23 - GOVERNMENT REQUESTSIn order to cooperate with governmental requests, subpoenas or court orders, to protect oursystems, or to ensure the integrity and operation of our business and systems, we may accessand disclose any information we consider necessaryor appropriate, including and withoutlimitation, your information, IP address, and usagehistory. Our right to disclose any suchinformation is governed by the terms of our PrivacyPolicy.SECTION 24 - FOREIGN ACCESS OF SITEThe Site is controlled, operated and administered by GPSfrom our offices within the USA. If youaccess the Site from a location outside the USA, you are responsible for compliance with all locallaws. You agree that you will not use GPS's contentaccessed through the Site in any country or

  11. in any manner prohibited by any applicable laws, restrictions or regulations.SECTION 25 - ERRORS, INACCURACIES AND OMISSIONSOccasionally there may be information on our Site that contains typographical errors,inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers,product shipping charges, transit times and availability. We reserve the right to correct any errors,inaccuracies or omissions, and to change or updateinformation or cancel orders if anyinformation on the Site or on any related Site is inaccurate at any time without prior notice(including after you have submitted your order).We undertake no obligation to update, amend or clarify information on the Site or on any relatedSite, including without limitation, pricing information, except as required by law. No specifiedupdate or refresh date applied on the Site or on any related Site, should be taken to indicate thatall information on the Site or on any related Sitehas been modified or updated.SECTION 26 - PRIVACY POLICYEvery member's registration data and various otherpersonal information are strictly protected byt h e GPS Consulting Group Online Privacy Policy (seethe full Privacy Policy atwww.gpspolicysolutions.com). As a member, you herein consent to the collection and use of theinformation provided, including the transfer of information within the United States and/or othercountries for storage, processing or use by GPS Consulting Group and/or our subsidiaries andaffiliates.