PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS SITE

Welcome to the PaymentOne Corporation ("PaymentOne") web site (the "Site"). Please review the following terms and conditions concerning your use of the Site. By accessing, using or downloading any materials from the Site, you agree to follow and be bound by these terms and conditions. If you do not agree with these terms and conditions, please do not use this Site.

RIGHT TO USE THE SITE

PaymentOne hereby grants you permission to display, copy and download the materials on this Site (the "Materials") provided that: (a) you make only one copy of the Materials for your personal, non-commercial internal use only unless specifically licensed to do otherwise by PaymentOne in writing; (b) you do not remove any copyright notice or other proprietary notices from the Materials; (c) you do not transfer the Materials on this Site to another person; and (d) you do not modify the Materials in any way. In addition, you may not "mirror" any Materials on any other server without PaymentOne's prior express written permission. Furthermore, you agree to prevent any other unauthorized copying of the Materials. If you breach any of these terms and conditions of use, your permission to use the Site will automatically terminate and you must immediately destroy or delete any downloaded or printed Materials.

OWNERSHIP OF MATERIALS

All Material provided on this Site are provided by either PaymentOne or its third party suppliers, authors, developers and vendors ("Third Party Providers"). The Materials on this Site are copyrighted and are protected by worldwide copyright laws and treaty provisions. Except as expressly provided herein, you may not copy, adapt, modify, display, perform, or otherwise use the Materials (including use of these Materials on any other web site or networked computer environment) without the prior written permission of PaymentOne and/or its Third Party Providers. Any unauthorized use of any of the Materials on the Site may violate copyright, trademark and other similar laws.

LINKS TO THIRD PARTY WEB SITES

The Site may have links to web sites that are not controlled by PaymentOne. PaymentOne is not responsible for and does not endorse or accept any responsibility for the contents or use of these third party web sites. PaymentOne is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by PaymentOne of the linked web site. It is your responsibility to take precautions to ensure that whatever you select for your use is free of viruses or other items of a destructive nature. Please note that generally when you link to another web site from our Site your web browser will create or spawn a new window containing the linked content.

DISCLAIMER

EXCEPT WHERE EXPRESSLY PROVIDED OTHERWISE BY PAYMENTONE, THE MATERIALS ON THE SITE ARE PROVIDED "AS IS", ARE EXPERIMENTAL, AND ARE FOR NON-COMMERCIAL USE ONLY, AND PAYMENTONE HEREBY DISCLAIMS ALL EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, GUARANTIES, AND CONDITIONS, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, EXCEPT TO THE EXTENT THAT SUCH DISCLAIMERS ARE HELD TO BE LEGALLY INVALID. PAYMENTONE MAKES NO REPRESENTATIONS, WARRANTIES, GUARANTIES, OR CONDITIONS AS TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY, OR COMPLETENESS OF ANY OF THE MATERIALS CONTAINED ON THE SITE. PAYMENTONE DOES NOT UNDERTAKE ANY OBLIGATION TO CORRECT OR UPDATE ANY MATERIAL ON THIS SITE.

LIMITATION OF LIABILITY

PAYMENTONE SHALL NOT BE LIABLE FOR ANY DAMAGES SUFFERED AS A RESULT OF USING, MODIFYING, CONTRIBUTING, COPYING, DISTRIBUTING, OR DOWNLOADING THE MATERIALS. IN NO EVENT SHALL PAYMENTONE BE LIABLE FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE (INCLUDING BUT NOT LIMITED TO LOSS OF BUSINESS, REVENUE, PROFITS, USE, DATA OR OTHER ECONOMIC ADVANTAGE), HOWEVER IT ARISES, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THIS SITE, EVEN IF PAYMENTONE HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. YOU AGREE TO HOLD PAYMENTONE HARMLESS FROM, AND YOU COVENANT NOT TO SUE PAYMENTONE FOR, ANY CLAIMS BASED ON OR RELATED TO THE USE OF THE SITE.

APPLICABLE LAWS

This Site is controlled by PaymentOne from its offices within the United States of America. PaymentOne makes no representation that the Materials in the Site are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the Materials in violation of U.S. export laws and regulations.

Any action related to the Materials or the terms herein shall be governed by California law and controlling U.S. federal law.

INTELLECTUAL PROPERTY NOTICES

Certain components of this Site are protected by trade dress and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from the Site may be copied or retransmitted unless expressly permitted by PaymentOne.

PaymentOne, PhoneBill ™, PayConnect, DirectBill ™, WebBill ®, PaymentOne Carrier Network ™, PaymentOne Broadband Content Network ™, Propensity to Pay, PayOne are trademarks, service marks or registered trademarks of PaymentOne. All other product names, company names, marks, logos, and symbols may be the trademarks of their respective owners. You may not use, and nothing contained on this Site grants by implication, waiver, estoppel or otherwise, any right to use any trademark displayed on the Site without the written permission of PaymentOne or the respective owner.

Copyright 2000-2005 PaymentOne, Inc. 5883 Rue Ferrari, San Jose, CA 95138. All rights reserved.

GENERAL

PaymentOne and the Third Party Providers may make improvements and/or changes in the products, services, programs, and prices described in this Site at any time without notice. PaymentOne reserves the right to periodically make changes to the Site.

This Site may contain forward-looking statements that are subject to risks, uncertainties and other factors that could cause actual results to differ materially from those referred to in the forward-looking statements.

PaymentOne may revise these terms at any time by updating this posting. You should visit this page from time to time to review the then-current terms because they are binding on you. Certain provisions of these terms may be superseded by expressly designated legal notices or terms located on particular pages at this Site. Any rights not expressly granted herein are reserved by PaymentOne.