DISCLAIMER

FranksPennyStocks.com is owned by MS Corporate Communications, Inc. and is an electronic publication committed to providing our readers with factual information on worldwide financial markets and selected publicly traded companies.

1. Acceptance of Terms and Investment Risk

FranksPennyStocks.com (MS Corporate Communications, Inc.) provides its service to you subject to the following Terms of Service ("TOS"), which may be updated by us from time to time without notice to you.

By entering this site you agree to be bound by the Terms of Service (TOS). Information and opinions found on this website or published by FranksPennyStocks.com (MS Corporate Communications, Inc.), including web, email, print and video, are for informational and advertising purposes only. No statement or expression of opinion, nor any other matter herein, directly or indirectly, is an offer or the solicitation of any offer to buy or sell securities mentioned, nor any other securities. FranksPennyStocks.com (MS Corporate Communications, Inc.) and Michael Williams are not registered investment advisors.

All visitors are advised to conduct their own independent research into individual stocks before making a purchase decision. In addition, investors are advised that past stock performance or portfolio performance is no guarantee of future price appreciation or performance. Furthermore, FranksPennyStocks.com (MS Corporate Communications, Inc.) does not guarantee the accuracy or completeness of information on the site, nor does FranksPennyStocks.com (MS Corporate Communications, Inc.) assume any liability for any loss that may result from reliance by any person upon any such information or recommendations. Such information & recommendations are for general or advertising information only.

All information used on this website is believed to be from reliable sources, but no representation to this effect is made. Speculation is securities carries a high degree of risk and investors purchasing speculative investments should be capable of absorbing losses of all of their invested capital. There is no assurance that the companies featured on FranksPennyStocks.com (MS Corporate Communications, Inc.)will receive additional funding or experience any future development necessary for corporate success.

Information contained on this website contains forward-looking information within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, including statements regarding the expected continual growth of the market for the company’s products, the company’s ability to fund its capital requirement in the near term and in the long term; pricing pressures; etc.

Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, goals, assumptions, or future events or performance may be forward looking statements. Forward-looking statements are based on expectations, estimates, and projections at the time the statements are made that involve a number of risks and uncertainties which could cause actual results or events to differ materially from those presently anticipated. Forward looking statements may be identified through the use of such words as expects, will, anticipates, estimates, believes, or by statements indicating certain actions may, could, should might occur.
Past investment performance is not in any way indicative of future investment performance. Readers must consult with registered professional investment, taxation, and portfolio advisors before making an investment decision. Persons investing in securities must independently verify all information on Financialprofilesmedia.com or any of its publications whether email, print or video. This website is not intended for readers and/or members in any jurisdiction where not permissible under local regulations and investors in those jurisdictions should disregard the content and any information from FranksPennyStocks.com (MS Corporate Communications, Inc.). Readers and members must also independently verify the “blue-sky” eligibility of any securities mentioned within this website. We encourage our readers to invest carefully and read the investor information available at the web sites of the Securities and Exchange Commission ("SEC") at www.sec.gov Readers can review all public filings by companies at the SEC's EDGAR page. www.sec.gov/edgar.shtml

2. Description of Service

FranksPennyStocks.com (MS Corporate Communications, Inc.) provides users with access to a collection of resources, including various communications tools, video, audio, financial content and branded programming through its network of properties which may be accessed through any various medium or device now known or hereafter developed (the "Service"). You also understand and agree that the Service may include advertisements and that these advertisements may be necessary for FranksPennyStocks.com (MS Corporate Communications, Inc.) to provide the Service. You also understand and agree that the Service may include certain communications from FranksPennyStocks.com (MS Corporate Communications, Inc.), such as service announcements, administrative messages and the Financial Profiles Newsletter and Video content, and that these communications are considered part of FranksPennyStocks.com (MS Corporate Communications, Inc.) You understand and agree that the Service is provided "AS-IS" and that FranksPennyStocks.com (MS Corporate Communications, Inc.) assumes no responsibility for the timeliness, deletion, mis-delivery or failure to deliver information and or content on time. You are responsible for obtaining access to the FranksPennyStocks.com (MS Corporate Communications, Inc.), and that access may involve third-party fees (such as Internet service provider or airtime charges). You are responsible for those fees, including those fees associated with the display or delivery of advertisements. In addition, you must provide and are responsible for all equipment necessary to access the Service.

3. Your Membership

In consideration of your use of the Service, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdiction. You also agree to provide true, accurate, current and complete information about yourself as prompted by the Membership registration form (the "Registration Data") If you provide any information that is untrue, inaccurate, not current or incomplete, or FranksPennyStocks.com (MS Corporate Communications, Inc.) has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, FranksPennyStocks.com (MS Corporate Communications, Inc.) has the right to suspend or terminate your membership status and refuse any and all current or future use of the Service (or any portion thereof).

4. Member Account, Password and Security

You will receive a password and account designation upon completing the Membership registration process. You are responsible for maintaining the confidentiality of the password and account and are fully responsible for all activities that occur under your password or account. You agree to immediately notify FranksPennyStocks.com (MS Corporate Communications, Inc.) of any unauthorized use of your password or account or any other breach of security. FranksPennyStocks.com (MS Corporate Communications, Inc.)cannot and will not be liable for any loss or damage arising from your failure to comply.

5. Member Conduct

You understand that all information, data, text, software, music, sound, photographs, graphics, video, messages, tags, or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from whom such Content originated. This means that you, and not FranksPennyStocks.com (MS Corporate Communications, Inc.), are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Service. Under no circumstances will FranksPennyStocks.com (MS Corporate Communications, Inc.) be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service on its website.
You agree to not use the Service to:a. upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;b. impersonate any person or entity, including, but not limited to, a FranksPennyStocks.com (MS Corporate Communications, Inc.) official, employee, host, or falsely state or otherwise misrepresent your affiliation with a person or entity;c. forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;d. upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights ("Rights") of FranksPennyStocks.com (MS Corporate Communications, Inc.)e. upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation.f. upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

6. Indemnity

You agree to indemnify and hold FranksPennyStocks.com (MS Corporate Communications, Inc.) and its subsidiaries, affiliates, officers, agents, employees, partners and licensors harmless from any claim or demand, including reasonable attorneys' fees, made by the user, member or any third party due to the content found on financialprofilesmedia.com website or video content produced by FranksPennyStocks.com (MS Corporate Communications, Inc.)

9. No Resale of Service

You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the content.

10. Modifications of Service

FranksPennyStocks.com (MS Corporate Communications, Inc.)reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that FranksPennyStocks.com (MS Corporate Communications, Inc.) shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

11. Termination

You agree that FranksPennyStocks.com (MS Corporate Communications, Inc.) may, under certain circumstances and without prior notice, immediately terminate your Financialprofilesmedia.com member account, any associated email address, and access to the Service. Cause for such termination shall include, but not be limited to, (a) breaches or violations, (b) requests by law enforcement or other government agencies, (c) a request by you (self-initiated account deletions), (d) discontinuance or material modification to the Service (or any part thereof), (e) unexpected technical or security issues or problems (f) engagement by you in fraudulent or illegal activities, and/or (g) nonpayment of any fees owed by you in connection with the Services. Termination of your FranksPennyStocks.com (MS Corporate Communications, Inc.) account includes (a) removal of access to all offerings within the Service, (b) deletion of your password and all related information, Further, you agree that all terminations for cause shall be made in FranksPennyStocks.com (MS Corporate Communications, Inc.) sole discretion and that FranksPennyStocks.com (MS Corporate Communications, Inc.) shall not be liable to you or any third party for any termination of your account, any associated email address, or access to the Service.

12. Dealing with Advertisers

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the FranksPennyStocks.com (MS Corporate Communications, Inc.) website, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that FranksPennyStocks.com (MS Corporate Communications, Inc.) shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Service.

13. Links

FranksPennyStocks.com (MS Corporate Communications, Inc.)may provide, or third parties may provide, links to other World Wide Web sites or resources. Because FranksPennyStocks.com (MS Corporate Communications, Inc.)has no control over such sites and resources, you acknowledge and agree that FranksPennyStocks.com (MS Corporate Communications, Inc.) is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that FranksPennyStocks.com (MS Corporate Communications, Inc.) shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.

14. Disclaimer of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:a. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. FranksPennyStocks.com (MS Corporate Communications, Inc.) AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO (i) THE CONTENT WILL MEET YOUR REQUIREMENTS; (ii) THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF FranksPennyStocks.com (MS Corporate Communications, Inc.) WILL BE ACCURATE OR RELIABLE; (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH FranksPennyStocks.com (MS Corporate Communications, Inc.) WILL MEET YOUR EXPECTATIONS

15. Limitation of Liability

VISITORS TO FranksPennyStocks.com (MS Corporate Communications, Inc.) EXPRESSLY UNDERSTAND AND AGREE THAT FranksPennyStocks.com (MS Corporate Communications, Inc.) AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES.

16. Compensation

FranksPennyStocks.com (MS Corporate Communications, Inc.)accepts compensation from some of the companies which it features. To the degrees listed herein, this website or any publication associated should not be regarded as an independent publication. All statements and expressions are the sole opinions of the editors and are subject to change without notice. A profile, description, or other mention of a company on the website, email, print or video is neither an offer nor solicitation to buy or sell any securities mentioned. All information and conclusions contained within the “paid for advertising” publications including email, print and video meet the same review standards as those of other scheduled issues of Financial Profiles where no costs are subsidized.

FranksPennyStocks.com (MS Corporate Communications, Inc.)will accept restricted shares of company stock; by SEC regulations, restricted shares cannot be sold into the market for a period of at least six months from the time that the shares are issued. In such cases, we will disclose such positions on our “Compensation” page, including the specific term of any restrictions. We also receive compensation in the form of stock options, in which case we receive the right to buy shares of the stock of the company at issue, at a specified time and a specified price. In such circumstances, we will specify on our “Compensation” page, the terms of the options received. On occasion, we also accept free-trading shares in a company that we cover. We intend to sell these shares at any given time as well as family member’s, friends and employees may buy and sell the very stocks we recommend. While our policies as detailed above are designed to minimize any impact upon our members of a conflict of interest between our company and our members, each member should be fully aware that such potential and actual conflicts of interest may well exist due to the compensation structure detailed herein. For this reason, and because the information contained on financialprofilesmedia.com is updated on a regular basis as circumstances change, each person is strongly encouraged to periodically review the “Compensation” section. Readers and members should note that thinly traded securities, can have their share price adversely effected by the sale of compensation shares received and sold into the market.

17. Copyright

THE INFORMATION FOUND ON FranksPennyStocks.com (MS Corporate Communications, Inc.) OR ANY PRODUCTION HEREIN IS PROTECTED BY COPYRIGHT LAWS AND MAY NOT BE COPIED, OR REPRODUCED IN ANY WAY WITHOUT THE EXPRESSED, WRITTEN CONSENT OF THE EDITORS OF FranksPennyStocks.com (MS Corporate Communications, Inc.)

18.

FRANKSPENNYSTOCKS.COM RECEIVES COMPENSATION AND ITS EMPLOYEES OR MEMBERS OF THEIR FAMILIES MAY HOLD STOCK IN THE PROFILED COMPANIES, THERE IS AN INHERENT CONFLICT OF INTEREST IN FRANKSPENNYSTOCKS.COM STATEMENTS AND OPINIONS AND SUCH STATEMENTS AND OPINIONS CANNOT BE CONSIDERED INDEPENDENT.

FRANKSPENNYSTOCKS.COM AND ITS MANAGEMENT MAY BENEFIT FROM ANY INCREASE IN THE SHARE PRICES OF THE PROFILED COMPANIES.