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TERMS OF SERVICE (TOS) OF THE

PHIL'S GANG RADIO SHOW - BILLING OF SERVICES- WEBSITE CONTENT - SOFTWARE USAGE

Welcome to the Phil's Gang ® website! Before moving on to the sites premium content, this (TOS) Terms of Service Agreement should be read thoroughly and accepted by you. If you do not wish to accept the Terms of Service, then access is not permitted. Therefore, DO NOT SIGN UP and DO NOT SUBMIT YOUR CREDIT CARD INFORMATION.

OTHERWISE, PLEASE READ THROUGH CAREFULLY AS WE DO OUR BEST TO INFORM YOU ABOUT YOUR RIGHTS AS WELL AS YOUR PRIVACY.

COST OF MEMBERSHIP:

THE COST OF BEING A "PHIL'S GANG MEMBER" IS $49.95 PER MONTH. THIS MEANS ONCE YOU PURCHASE YOUR FIRST MONTH OF MEMBERSHIP or SOFTWARE USAGE, YOUR CREDIT CARD WILL BE BILLED ONCE EVERY MONTH THE $49.95 OR WHATEVER PRDUCT YOU HAVE DECIDED TO USE.

SOFTWARE USAGE:

THE COST OF USING THE SOFTWARE DEPENDS ON WHICH PRODUCT YOU CHOOSE. JUST LIKE THE GANG MEMBERSHIP, YOUR CREDIT CARD WILL BE CHARGED EACH MONTH AS A RECURRING CHARGE. THIS CHARGE WILL BE BILLED ONE TIME ON YOUR ANNIVERSARY DATE EVERY SINGLE MONTH THERE AFTER UNTIL YOU CANCEL YOUR SERVICES.

EXAMPLE: IF YOU ORDERED THE PHIL'S PTT-1 SOFTWARE AT THE PRESENT GOING RATE OF $19.95, THEN EACH MONTH YOUR CREDIT CARD WILL BE CHARGED $19.95 UNTIL YOU CANCEL YOUR SERVICE.

TO CANCEL ANY SERVICE ON PHIL'S GANG:

NO EMAILED CANCELATIONS BY YOU WILL BE ACCEPTED AS A CANCELATION OF SERVICE. ONLY "YOU" AND YOU ALONE CAN AND MUST CANCEL YOUR OWN SERVICES. TO CANCEL YOUR SERVICES, YOU MUST GO TO THE "MANAGE PROFILE" TAB LOCATED ON THE NAVIGATIONAL BAR LOCATED AT THE TOP OF THE WEBSITES "HOME" PAGE.

Phil's Gang is a website that teaches how to not lose your hard earned money by way of learning technical charting. Mr. Phil Grande, the talk show host of Phil's Gang Radio Show is the instructor of these technical charting techniques as these techniques were developed by him.

It is strongly encouraged that you "paper trade" with play money or a record keeping system before you actually make a trade with your broker. Be advised that other fee's such as the brokers fee for use of their trading platform (software used to execute a trade) will be charged. Please contact either your own broker for the cost of these fee's or you may contact the same broker that Phil uses for his trading and teaching. (see home page for broker contact info).

This website and its content such as the software, videos, audios and any materials what so ever has been created with your best interest at heart. A lot of blood, sweat and tears has gone into it in order to make your learning experience with Phil as pleasurable and as easy as possible. As you all are probably aware the World Wide Web can and does have a lot of strange birds, goof-balls or just plain good old fashion Jerks that insist on trying to be noticed. It is unfortunate.

All though we have a lot of fun at Phil's Gang, THIS IS SERIOUS BUSINESS FOLKS! Therefore if you are one of those other types mentioned above become an annoyance to either our members or to our staff then be advised that we reserve the right to refuse or cancel ones services that we see fit and should this occur, your last monthly payment will be refunded!

Please know your comments are welcome and we will do all we can to answer any questions or concerns you might have and we will try to do so as quickly and efficiently as possible. That's what we are here for, YOU!

Thank you so much for your patronage and please don't forget about the "kids" and Happy Trading!

Marta Grande

VP-Executive Director

Spot Link Inc, DBA Phil's Gang®

"The Off the wall Street Radio Network " ™

RISK STATEMENT

THE TRADING OF STOCKS, FUTURES, COMMODITIES, INDEX FUTURES OR ANY OTHER SECURITIES HAS POTENTIAL REWARDS, AND IT ALSO HAS POTENTIAL RISKS INVOLVED. TRADING MAY NOT BE SUITABLE FOR ALL USERS. ANYONE WISHING TO INVEST SHOULD SEEK HIS OR HER OWN INDEPENDANT FINANCIAL OR PROFESSIONAL ADVICE.
NOTICE:THIS IS A TEACHING FORMAT ONLY, NOT A MANAGED FUND WITH RECOMMENDATIONS. IT IS YOUR RESPONSIBILITY TO MANAGE YOUR STOCKS, AND ALL STOCK PICKS, STOPS, BUYS AND SHORTS. IF YOU DO USE PHIL'S STOCK PICKS, IT`S AT YOUR OWN RISK. USE STOPS BECAUSE YOU CAN LOSE ALL YOUR MONEY! IT`S NOT TO BE ASSUMED OR INFERRED THAT PHIL HAS BOUGHT ANY OR ALL OF THE STOCKS SHOWN. PAPER TRADING IS RECOMMENDED TO BEGIN WITH. IF YOU HAVE ANY QUESTIONS, I ADVISE YOU TO CONSULT AN EXPERT! NONE OF THIS INFORMATION IS INTENDED TO BE A RECOMMENDATION TO BUY, SELL, OR HOLD.

Installation and/ or use of the PHIL'S GANG® WEBSITE and/or products such as PHIL'S TALKING TRADER® PHIL'S PTT-1 & PTT-2® SOFTWARE in addition to other software products developed by or on behalf of the technologies of The PHIL'S TALKING TRADER®.

PHIL'S TALKING TRADER® PHIL'S PTT-1 & PTT-2® or PHIL'S X-SERIES SOFTWARE and website, services, data, other information, and documentation provided along with THE OFF THE WALL STREET RADIO NETWORK ® (herein collectively referred to as " PHIL'S GANG® " or any part thereof, constitutes acceptance of the terms and conditions of this agreement. The terms of this agreement may be updated by us from time to time without notice to you. You may view the most current of these terms at any time athttp://www.philsgangourterms.asp

1. NOTICE. THIS IS A LEGAL AGREEMENT BETWEEN YOU AND SPOT LINK INC., (DBA) PHIL'S GANG®A Florida Corporation.

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE INSTALLING OR USING ANY COMPONENT OR ASPECT OF PHIL'S TALKING TRADER® SOFTWARE PRODUCTS and the PHIL'S GANG WEBSITE.

BY OPENING THE ELECTRONIC MEDIA PACKAGE, IF ANY, DOWNLOADING, INSTALLING, COPYING, OR

OTHERWISE USING ANY COMPONENT OR ASPECT OF PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®, YOU ARE AGREEING TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS AGREEMENT, DO NOT INSTALL OR USE ANY COMPONENT OR ASPECT OF THE PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE AND PROMPTLY DELETE ALL COPIES OF THE SOFTWARE IN YOUR POSSESSION OR UNDER YOUR CONTROL. IN THAT CONNECTION, IF YOU HAVE ANY PHYSICAL MANIFESTATIONS OF PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE , THEN PROMPTLY RETURN THE MEDIA PACKAGE AND ALL ACCOMPANYING ITEMS (INCLUDING MATERIALS AND PACKAGING), ALONG WITH PROOF OF PAYMENT IF PAYMENT WAS MADE, TO US, AT THE ADDRESS BELOW, OR OUR AUTHORIZED DEALER FOR A FULL REFUND.

Phil's Gang

1605 Main Street,

Suite 910

Sarasota, Florida 34236

2. Permitted Uses. Subject to the terms and conditions of this Agreement, you are

granted the following limited nonexclusive rights to use or PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE .

(A) Grant of Single User License. You may use one copy of the PHIL'S TALKING TRADER® PHIL'S PTT-1 & PTT-2® or PHIL'S X-SERIES SOFTWARE installed on a single hard disk drive via a single terminal connected to a single computer CPU. You may not network PHIL'S TALKING TRADER®, PHIL'S PTT-1, and PHIL'S PTT-2®or otherwise use it on any other computer CPU or terminal.

(B) Right to Copy. You may make one copy of the PHIL'S PTT-1 & PTT-2 or PHIL'S X-SERIES SOFTWARE solely for backup and archival purposes, provided that the original, whether on diskette or an

electronic original, and each copy is kept in your possession and control, and provided you reproduce our copyright notice on the copy. You may not copy the documentation or other written materials included with or as part of PHIL'S PTT-1 & PTT-2 or PHIL'S X-SERIES SOFTWARE

3. Prohibited Uses. You agree not to reproduce, duplicate, copy, sell, resell or

exploit for any commercial purposes, any portion of PHIL'S PTT-1 & PTT-2 or PHIL'S X-SERIES SOFTWARE use of PHIL'S PTT-1 & PTT-2 or PHIL'S X-SERIES SOFTWARE or any portion thereof, or access to PHIL'S PTT-1 & PTT-2 or PHIL'S X-SERIES SOFTWARE or any portion thereof. Additionally, you may not, without written permission from us:

(A) Use, copy, modify, merge, create derivative works of, or transfer copies of PHIL'S TALKING TRADER ®PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE or any component of PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE except as provided in this Agreement;

(B) Use any backup or archival copies of the PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE or any information included as part of PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE (or allow someone else to use such copies) for any purpose other than to replace the original copy in the event that the PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE or data is destroyed or becomes defective;

(C) Disassemble, decompile or "unlock", reverse translate, reverse engineer, or in any

manner decode the PHIL'S TALKING TRADER®,PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE or any aspect of PHIL'S TALKING TRADER®,PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE for any reason, except and only to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation.

In addition to the foregoing, you acknowledge that PHIL'S GANG® may establish general practices

and limits concerning use and features of PHIL'S PTT-1 & PTT-2PHIL'S TALKING TRADER®, or PHIL'S X-SERIES SOFTWARE , including without limitation the maximum number of concurrent PHIL'S PTT-1 & PTT-2 or PHIL'S X-SERIES SOFTWARE sessions you may have on one computer or individually among multiple computers, the maximum number of times (and the maximum duration for which) you may access PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE in a given period of time, the maximum number of financial instruments or topics you may receive information on at any time, and the frequency with which financial information is updated. You acknowledge that PHIL'S GANG®reserves the right to log off users that are inactive for an extended period of time, however PHIL'S GANG®wishes to define "inactive" in its sole discretion. You further acknowledge that PHIL'S GANG®reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

4. Ownership and License. This agreement grants you only a license to use PHIL'S TALKING TRADER®PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE .

Title, ownership and intellectual property rights shall remain with us. We continue to

own all copies of the PHIL'S TALKING TRADER®and PHIL'S PTT-1, PTT-2®SOFTWARE. Your rights to use PHIL'S TALKING TRADER® PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE are specified in this Agreement, and we retain all rights not expressly granted to you in this Agreement including, but not limited to, rights reserved to us or protected by patent, copyright, and trade secret laws and international treaty provisions. The license granted hereunder shall not be construed to confer any rights upon you by implication, estoppel or otherwise as PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE not specifically set forth herein. Nothing in this Agreement constitutes a waiver of our rights under U.S. patent, US TRADEMARK, Copyright law or any other national, federal or state law.

WARRANTY DISCLAIMER. WE DO NOT WARRANT THAT PHI'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE WILL MEET YOUR REQUIREMENTS OR THAT ITS OPERATION WILL BE UNINTERRUPTED OR ERROR-FREE. EXCEPT FOR THE EXPRESS LIMITED WARRANTY SET FORTH IN

THIS SECTION 5, PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2® or PHIL'S X-SERIES SOFTWARE IS LICENSED "AS IS." WE MAKE NO REPRESENTATIONS AND EXTEND NO WARRANTIES OF ANY KIND AND DISCLAIM ALL OTHER WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.

Some states do not allow the exclusion of implied warranties, so the above exclusion

may not apply to you. This warranty disclaimer gives you specific legal rights, and you

may also have other legal rights, which vary from state to state.

6. Limitation of Liability. OUR LIABILITY TO YOU FOR ANY LOSSES SHALL BE

LIMITED TO DIRECT DAMAGES, AND IN NO CASE SHALL EXCEED THE AMOUNT ORIGINALLY PAID FOR PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE, ONE DOLLAR ($1.00), WHICHEVER IS GREATER. IN NO EVENT AND UNDER NO LEGAL THEORY, INCLUDING TORT, CONTRACT OR OTHERWISE, SHALL WE BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF PROFITS) EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN THE EVENT OF LITIGATION INVOLVING THE SOFTWARE, YOU AGREE THAT AFTER FINAL JUDGEMENT AND EXHAUSTION OF APPEALS THE NONPREVAILING PARTY SHALL PAY ALL REASONABLE COSTS OF LITIGATION OF THE PREVAILING PARTY, INCLUDING, BUT NOT LIMITED TO, REASONABLE ATTORNEY'S FEES.

Some jurisdictions do not allow these limitations or exclusions, so they may not apply

to you.

7.Indemnity. You agree to indemnify and hold PHIL'S GANG ®, and its subsidiaries, affiliates,

officers, agents, co-branders or other partners, and employees, harmless from any claim

or demand, including reasonable attorneys' fees, made by any third party due to or

arising out of your use of PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE in any way, your connection to PHIL'S GANG® services or sites, your violation of the terms of this agreement, or your violation of any rights of another.

8. Export Controls. None of the PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE or underlying information or web site or technology may be downloaded, used or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria or any other country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Denial Orders. By downloading or using PHIL'S PTT-1 & PTT-2 or PHIL'S X-SERIES SOFTWARE or any part thereof you are agreeing to the foregoing and you are representing and warranting that you are not located in, under the control of, or a national or resident of any such country or on any such list. You agree that you will not directly or indirectly transfer PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE or any part thereof to any country to which such transfer would be prohibited by the U.S. Export Administration Act and the regulations issued there under. You further agree that should your country require registration of this license agreement you will obtain the appropriate licenses and registrations at your own expense.

9. Modifications to the PHIL'S TALKING TRADER®,PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE , Term and Termination. PHIL's Gang ® reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2 or PHIL'S X-SERIES SOFTWARE (or any part thereof including your license to use the PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE with or without notice. You agree that PHIL'S GANG ®shall not be liable to you or to any third party for any modification, suspension or discontinuance of PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE or any part thereof. Unless explicitly stated otherwise, any modifications to PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2 or PHIL'S X-SERIES SOFTWARE or any new features that augment or enhance or change the then current PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE or any part thereof, including but not limited to new releases of the PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE and new web sites released as part of PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE , shall be subject to the terms of this agreement.

The term of this license shall be until terminated by PHIL'S GANG®. This license and your rights

to use PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE automatically terminate if you fail to comply with any provisions of this Agreement. Upon termination, you will destroy all copies of the PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE , data and documentation and any other elements of PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE in your possession or under your control. Additionally, if the purchase of this license to use PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE includes any continuing payments or renewal fees, termination will also occur upon non-payment of said payments and fees without a requirement of notice of termination.

10. Confidentiality. You acknowledge and agree that PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®and/or PHIL'S X-SERIES SOFTWARE incorporates and discloses proprietary information of ours, and such proprietary information constitutes valuable trade secrets of ours and may not be disclosed by you to any party at any time.

11. Registration Obligations; Account; Privacy Policy. In consideration of your use of the PHIL'S GANG WEB SITE, PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE or any part thereof, you agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the applicable service's registration form (referred to in this agreement as the

(a) "Registration Data" and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete.

If you provide any information that is untrue, inaccurate, not current or incomplete, or PHIL'S GANG has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or the users ID and passwords are considered inappropriate and vulgar in nature, PHIL'S GANG has the right to suspend or terminate your account and refuse any and all current or future use of the PHIL"S GANG WEB SITE, PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-®or PHIL'S X-SERIES SOFTWARE or (or any portion thereof). You may receive a new assigned user ID and password and/ or other designation as part of one or more of the products or services provided as part of PHIL'S GANG® WEBSITE , PHIL's TALKING TRADER®and PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE 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 (a) immediately notify PHIL'S GANG of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. PHIL'S GANG cannot and will not be liable for any loss or damage arising from your failure to comply with the terms of this Section 11. This Agreement is governed by and hereby incorporates by reference the PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE Privacy Policy located at:

http://www.philsgang.com/privacy.asp.

12. Third Party Data Suppliers; Advertisers; Affiliates and Links.

Certain financial market information provided as part of PHIL'S TALKING TRADER®, PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE may be provided by third parties. Use of this information is governed by PHIL'S GANG market data supplier terms which can be viewed at

http://www.marketbrowser.com/mbdatasuppliers.asp and these terms are hereby incorporated

by reference into this agreement.

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through PHIL'S GANG®, including delivery and payment 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 PHIL'S GANG®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 this website. PHIL'S GANG® may provide, or third parties may provide, links to other World Wide Web sites, literature, online brokers, person's or other resources. Because PHIL'S GANG®has no control over these other websites or resources, you acknowledge and agree that PHIL'S GANG® is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any information, content, advertising, products, services or other materials on or available from such sites or resources. You further acknowledge and agree that PHIL'S GANG® 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 information, content, products or services available on or through any such websites, literature, online brokerages, person's and resources.

13. Miscellaneous Provisions.

This Agreement will be governed by and construed in accordance with the substantive laws of the State of Florida. Any and all disputes arising hereunder shall be resolved only in courts located in the State of Florida and are subject to the exclusive jurisdiction of that court. The parties hereby irrevocably submit and consent to the exclusive jurisdiction of such courts and waive any defenses or objections thereto. The application of the United Nations Convention on Contracts for the International Sale of Goods, as amended, is expressly excluded. This is the entire agreement between the User relating to PHIL'S GANG®shall supersede agreements, as well as any prior purchase or leasing orders, communications, advertising, or representations concerning PHIL'S GANG®. If any provision of this Agreement is held to be unenforceable, such provision shall be reformed only to the extent necessary to make it enforceable.

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of PHIL'S GANG and its products or financial opinions, or advise, any part thereof must be filed within one (1) year after such claim or cause of action arose or be forever barred.

No change or modification of this Agreement will be valid unless it is in writing and is signed by a duly authorized Officer of our company. Notices to you may be made via either email or regular US mail. PHIL'S GANG may also provide notices of changes to the terms of this agreement or other matters by displaying notices or links of notices to you generally on one or more of the PHIL'S GANG website, or within or at a link from the PHIL'S PTT-1 & PTT-2®or PHIL'S X-SERIES SOFTWARE.

PHIL'S GANG®computer records are stored in a secured condition on the PHIL'S GANG®computer system(s) of either party and shall be accepted as evidence of communication, license agreement, and payments made between the parties.

Canadian, Mexican and other Foreign Transactions.

If you acquired access to or use or intend to use PHIL'S GANG® WEBSITE or any products of

PHIL'S GANG® or any part thereof in Canada, Mexico, France, or any foreign -speaking countries, you agree to the following:

The parties hereto have expressly required that the present Agreement and its Exhibits be drawn up in the English language.

French: Les parties au présent contrat ont expressément

exigé que ce contrat ainsi que ses Annexes soient redigées en langue anglaise.

Spanish: Los partidos en el contrato presente tienen expresamente

exigido que este contrato así como sus Anexos son redigées en la lengua inglesa.

Italian: Le parti nel presente contratto hanno espressamente richiesto che il contratto così come i suoi allegati sono redigées in lingua inglese

German: Parteien im gegenwärtigen Vertrag haben spezifisch

gefordert, dass dieser Vertrag sowie seine Nebengebäude redigées in der englischen Sprache ist

Russian:

Стороны в существующем контракте имеют определенно

потребованный, что этот контракт так же как его Приложения - redigées на английском языке

Chinese: 在目前的合同当事各方已具体要求,该合同及其附件是英文redigées

If you have any questions about this Agreement, we suggest you seek the advice of legal counsel.

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