TERMS AND CONDITIONS FOR USE OF ALERA ON-LINE SERVICES

Effective January 01, 2009

This following Agreement terms and conditions govern your access and usage of the services (the "ALERA Online Services") and the materials available therein ("Materials").

Please read this Agreement carefully before accessing or using the ALERA Online Services or Materials. By accessing or using the ALERA Online Services or Materials, you agree to be bound by the terms and conditions set forth below. If you do not wish to be bound by these terms and conditions, you may not access or use the ALERA Online Services or Materials. If you do not have the legal authority to bind, please do not access the ALERA Online Services or Materials. If you utilize the ALERA Online Services in a manner inconsistent with these terms and conditions, ALERA Group, Inc. may terminate your access, block your future access and/or seek such additional relief as the circumstances of your misuse indicate is proper. ALERA Group, Inc. may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. You agree to review the Agreement periodically to be aware of such modifications and your continued access or use of the ALERA Online Services or Materials shall be deemed your conclusive acceptance of the modified Agreement.

1. AUTHORIZED COMMUNICATIONS; INFORMATION YOU PROVIDE TO ALERA GROUP, INC.

1.1 By utilizing the ALERA Online Services or Materials, you acknowledge that you have agreed to receive electronic mail, telephone calls, and other communications from ALERA Group, Inc., its agents, affiliates, independent contractors, successors, and assigns. You agree that ALERA Group, Inc. may contact you with regard to these Terms and Conditions, the ALERA Online Services and Materials, opportunities in which you may be interested, and other related purposes.

1.2 When using the ALERA Online Services or Materials, you may be prompted to disclose certain information about yourself (“Personal Information”). Your use of the ALERA Online Services or Materials indicates your express consent for ALERA Group, Inc. to use and disclose your Personal Information in accordance with ALERA Group, Inc.’s Privacy Policy.

2. LICENSE; RESTRICTIONS ON USE

2.1 Except for distributions in compliance with these Terms and Conditions, you may not distribute any Materials, ALERA Online Services, or software associated with or derived from it, modify, copy, license, or create derivative works from the same, unless you obtain Company’s express written permission in advance.

2.2 You are granted a nonexclusive, nontransferable, limited license to access and use the ALERA Online Services and Materials from time to time made available to you. This license includes: (a) The right to electronically display Materials retrieved from the ALERA Online Services to no more than one person at a time; (b) The right to obtain a printout of Materials via printing commands of the ALERA Online Services and to create a single printout of Materials downloaded via downloading commands of the ALERA Online Services (collectively, "Authorized Printouts");

2.3 Except as specifically provided herein, you are prohibited from downloading, storing, reproducing, transmitting, displaying, copying, distributing, or using Materials retrieved from the ALERA Online Services. You may not print or download Materials without using the printing or downloading commands of the ALERA Online Services.

2.4 All right, title, and interest (including all copyrights and other intellectual property rights) in the ALERA Online Services and Materials (in both print and machine-readable forms) belong to the Covered Party. You acquire no proprietary interest in the ALERA Online Services, Materials, or copies thereof.

2.5 Except as specifically provided herein, you may not use the ALERA Online Services or Materials retrieved from the ALERA Online Services in any fashion that infringes the copyrights or proprietary interests therein.

2.6 You may not remove or obscure the copyright notice or other notices contained in Materials retrieved from the ALERA Online Services.

3. ACCESS TO SERVICES

3.1 Only purchasers of the Materials may access and use the ALERA Online Services.

3.2 You may not use an identification number to access the ALERA Online Services from outside the country for which it was issued.

3.3 You may be restricted from accessing certain Materials otherwise available in the ALERA Online Services.

3.4 Materials and features may be added to or withdrawn from the ALERA Online Services and the ALERA Online Services otherwise changed without notice.

4. COMPANY REPRESENTATIONS; LIMITED WARRANTY

4.1 ALERA Group, Inc. represents and warrants that it has the right and authority to make the ALERA Online Services and Materials available pursuant to these Terms and Conditions.

4.2 ALERA Group, Inc. represents and warrants that it shall take all necessary steps to comply with the CAN SPAM Act of 2003 and any and all other applicable laws with respect to advertising and marketing.

4.3 ALERA Group, Inc. and its affiliates, officers, directors, employees, subcontractors, agents, successors, or assigns, make no representations or warranty, express or implied, as to the accuracy, earnings claims, content, and advertising materials on its web sites. In the event that any advertisement is inaccurate, your sole remedy is for ALERA Group, Inc. to remedy such inaccuracy within fifteen (15) working days of it being notified of the inaccuracy. You understand and agree that the online content and advertising copy therein solely represents hypothetical examples and does not in any way guaranty income, revenue, or performance of the ALERA Online Services and Materials and does not in any way represent explicit or implicit earnings claims for the user.

4.4 The content, claims, and representations of independent third-party testimonials from users of the ALERA Online Services and Materials is not subject to Company’s prior approval and no representation or warranty is given by ALERA Group, Inc. to the accuracy of such testimonials. ALERA Group, Inc. does not undertake to review the contents of any testimonials and any such review of, and approval by, ALERA Group, Inc. shall not be deemed to constitute an acceptance by ALERA Group, Inc. that such testimonial is provided in accordance with the terms of the Agreement, nor shall it constitute a waiver of the its rights hereunder. You understand and agree that the online content, claims, and representations of such third party testimonials does not in any way guaranty income, revenue, or performance of the ALERA Online Services and Materials and does not in any way represent explicit or implicit earnings claims by ALERA Group, Inc. for the user.

4.5 EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 4, THE ALERA ONLINE SERVICES AND MATERIALS ARE PROVIDED ON AN "AS IS", "AS AVAILABLE" BASIS AND THE PROVIDER OF THE ALERA ONLINE SERVICES AND EACH THIRD PARTY SUPPLIER OF MATERIALS EXPRESSLY DISCLAIM TO THE FULLEST EXTENT PERMITTED BY LAW ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS.

5. CUSTOMER’S REPRESENTATIONS AND WARRANTIES

5.1 Any buyer, customer, end user, consumer or any other party that utilizes the ALERA Online Services or Materials in any way (the “Customer”) represents and warrants that Customer will not utilize the ALERA Online Services or Materials in such a fashion that will violate any law, statute, ordinance, or regulation, including, without limitation, false or deceptive advertising laws or the CAN SPAM Act of 2003.

5.2 Customer represents and warrants that Customer will not utilize the ALERA Online Services or Materials to infringe on any third party’s copyright, patent, trademark, trade secret, or other proprietary rights.

5.3 Customer represents and warrants that Customer will not utilize the ALERA Online Services or Materials to display any material that may be considered defamatory, libelous, pornographic, obscene, or contain any viruses, Trojan horses, worms, or other harmful programs.

6. LIMITATION OF LIABILITY

6.1 A Covered Party (as defined below) shall not be liable for any loss, injury, claim, liability, or damage of any kind resulting in any way from (a) any errors in or omissions from the ALERA Online Services or any Materials available or not included therein, (b) the unavailability or interruption of the ALERA Online Services or any features thereof or any Materials, (c) your use of the ALERA Online Services or Materials (regardless of whether you received any assistance from a Covered Party in using the ALERA Online Services), (d) your use of any equipment in connection with the ALERA Online Services, (e) the content of Materials, or (f) any delay or failure in performance beyond the reasonable control of a Covered Party.

6.2 "Covered Party" means ALERA Group, Inc, its affiliates, and any officer, director, employee, subcontractor, agent, successor, or assign of ALERA Group, Inc or its affiliates.

6.3 “ALERA Group, Inc.” means ALERA Group, Inc.

6.4 THE AGGREGATE LIABILITY OF THE COVERED PARTIES IN CONNECTION WITH ANY OTHER CLAIM ARISING OUT OF OR RELATING TO THE ALERA ONLINE SERVICES OR MATERIALS SHALL NOT EXCEED THE AMOUNT OF YOUR ACTUAL DIRECT DAMAGES. YOUR RIGHT TO MONETARY DAMAGES IN THAT AMOUNT SHALL BE IN LIEU OF ALL OTHER REMEDIES WHICH YOU MAY HAVE AGAINST ANY COVERED PARTY.

6.5 THE COVERED PARTIES SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ATTORNEYS' FEES) IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE ALERA ONLINE SERVICES, MATERIALS, OR THE FAILURE OF ANY COVERED PARTY TO PERFORM ITS OBLIGATIONS, REGARDLESS OF ANY NEGLIGENCE OF ANY COVERED PARTY. SUCH LIMITATION SHALL APPLY NOTWITHSTANDING A FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY AND TO THE FULLEST EXTENT PERMITTED BY LAW.

7. REFUND POLICY

7.1 ALERA Group, Inc. offers an unconditional refund of the purchase price of any product or service upon the submission of a refund request form within sixty (60) days of your purchase. It may take Company up to ten (10) business days from the date ALERA receives your refund request to process your refund.

7.2 A Customer Service Representative will work with you to resolve any issues you may have with regard to ALERA Group, Inc.’s products, services, or web sites. If you have any such issues, please contact ALERA Group, Inc.’s Customer Service Department at 1-888-383-2370.

8. TERM OF SERVICE; SHIPPING POLICY

8.1 There is no limitation on the term of service with respect to these Terms and Conditions. You will retain access to all purchased services and products so long as you remain a customer in good standing with ALERA Group, Inc. ALERA Group, Inc. does not have any recurring cost, product, or service.

8.2 Upon purchase of the product or service, Company will provide you with the appropriate link or other information with which you may access the purchased product or service. If you experience any difficulty in accessing the purchased product or service, you should contact ALERA Group, Inc.’s Customer Service Department at 1-888-383-2370.

9. MISCELLANEOUS

9.1 ALERA Group, Inc. reserves the right to modify these Terms and Conditions from time to time in its sole discretion, without notice or liability to you. You agree to be bound by these Terms and Conditions, as modified. Please review the most current version of the Terms and Conditions from time to time, so that you will be apprised of any changes. Your continued use of the ALERA Online Services or Materials after any such change shall constitute your express consent to be bound by such changes.

9.2 Charges and payment terms may be changed in accordance with the applicable price schedule; all other provisions may be changed by ALERA Group, Inc. immediately. Your access to the ALERA Online Services may be terminated immediately upon notice to the provider of the ALERA Online Services if any change is unacceptable. Continued use of the ALERA Online Services following any change constitutes acceptance of the change.

9.3 ALERA Group, Inc. may terminate your access to the ALERA Online Services. The effective date of termination shall be ten (10) days after the receipt of an appropriate notice of termination, unless a later date is specified in the notice. ALERA Group, Inc. may suspend or discontinue providing the ALERA Online Services to you without notice and pursue any other remedy legally available to it if you fail to comply with any of your obligations hereunder.

9.4 Except as otherwise provided herein, all notices and other communications hereunder shall be in writing or displayed electronically in the ALERA Online Services by ALERA Group, Inc.. Notices shall be deemed to have been properly given on the date deposited in the U.S. mail, if mailed; on the date first made available, if displayed in the ALERA Online Services; or on the date received, if delivered in any other manner. Notices to ALERA Group, Inc. should be sent to: ALERA Group, Inc, PO Box 6111, Wyomissing, Pennsylvania 19610.

9.5 The failure of ALERA Group, Inc. or any third party supplier of Materials to enforce any provision hereof shall not constitute or be construed as a waiver of such provision or of the right to enforce it at a later time.

9.6 You may not assign your rights or delegate your duties under your access to the ALERA Online Services without the prior written consent of ALERA Group, Inc..

9.7 These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Pennsylvania.