1.   Compass is not an investment or brokerage firm and may not perform services performed by such firm. Compass does not provide me with any advice, explanation, opinion or recommendation about any investment strategies as applied to my particular situation.

2.   Compass does not act as an investment advisor or advocate the purchase or sale of any security or investment. Investment decisions should be made only after consulting with your investment advisor.

3.   I am aware and accept that investment markets have inherent risks and there can be no guarantee of future profits. Likewise, past performance does not assure future results. The possibility exists that I could sustain a loss of some or all of my initial investment and therefore I will not invest money that I cannot afford to lose.

4.   When becoming a subscriber to any Compass service, I acknowledge I and not Compass am solely responsible for any losses, fees or penalties, financial or otherwise, as a result of using the service. Compass shall under no circumstances be liable for any lost profits, lost opportunities, misstatements, or errors contained within any communication. I also agree that Compass will not be held liable for data accuracy, server problems, or any special or consequential damages that result from the use of, or the inability to use, any or all of the materials published on our Website. I agree to hold Compass harmless for any act resulting directly or indirectly from this site, its data, content, materials, associated pages and documents.

5.   Compass is not acting as my financial planner in any matter. Rather, I am representing myself and take full responsibility for any investments I make in response to the information presented directly or indirectly by Compass in any form.

6.   The analysis (such as provided in the HORIZON™ Action Report), documentation (such as the Reallocation Process document), and tools (such as the Reallocation Worksheet) are provided to me by Compass and are intended only as an aid in managing my investments and are under no circumstances to be considered a replacement for my own informed judgment and due diligence. I am solely responsible for my own investment decisions; I may accept, reject or modify the analysis of the mutual funds and/or exchange traded funds the HORIZON™ service will provide. I am responsible for reviewing my account periodically to monitor changes in the market and the value of my investments and to implement any actions I deem appropriate. Under no circumstances is Compass liable for any penalties, fees, restrictions, limitations, or any other circumstances or consequences incurred therein that may result from reallocating my account.

7.   The information provided by Compass is for my personal use only. I agree to keep such information from becoming known to or discussing with any other person in any manner either directly or indirectly unless specifically and only to get assistance with your own personal use. Unauthorized use of your User Name and Password by anyone other than you or providing any information about the information published in any Compass Investors HORIZON™ Action Report (other that as specified above) to anyone in any form whatsoever is strictly prohibited. Any violation of the preceding, determined in cooperation with your Plan Administrator under the Freedom of Information Act of 2000, or by any other means, is subject to (1) immediate cancellation of your subscription and forfeiture of your subscription fees, and (2) prosecution for criminal damages of not less than US$18,000 and punitive damages of not less than US$1,000,000, or as determined by judicial proceedings to take place in the City of Chicago, Illinois, USA, as well as (3) possible discontinuation of the HORIZON™ service for the entire company/retirement plan.

8.   Compass may cancel my membership at any time and for any reason so long as I am informed prior to such action. As long as I am not in violation of any the Terms of Use or User Agreement and Disclaimer any money due to me as per the stated Compass guarantee policy in effect at the time of my initial subscription will be refunded in full.

9.   If eligible for the Subscription Refund Guarantee, requests for refund must be made in writing or via an email sent to [email protected] anytime following the triggering of the guarantee, typically by having the reported performance of HORIZON™ fall and remain below BOTH of its stated benchmark(s). Refunds for PayPal subscribers will be made to the PayPal account most recently used for renewal. Note that PayPal (not Compass) will charge a transaction and/or other processing fee which will reduce the amount of the refund and which is not refundable.

10.   If I charge my subscription to a credit card using PayPal (the Compass Investors billing agent) it will be established with automatic renewal according to the subscription options that I select. You will receive notification from PayPal once an automatic payment has been completed.

11.   REFUND POLICY. This policy applies only to new subscribers who did not participate in a FREE TRIAL offer. If you wish to cancel your subscription, you must notify Compass of your intent to cancel. If you cancel during the first 105-days, you will receive a 100% refund of the total amount paid*. Any subsequent renewal payment is fully refundable provided you notify Compass within 30-days of the payment*. Except for Subscription Refund Guarantee situations, the Refund Policy is further clarified as follows.

• Annual rate subscribers: If you cancel after 105-days but within 6 months of being billed, you will receive a 50% refund of the amount paid*. There is no refund if you cancel after the first 6 months.

• Monthly, quarterly and bi-annual rate subscribers: There is no refund if you cancel after 105-days.

* Less any discounts you may have received.

Refunds for PayPal subscribers will be made to your PayPal account. PayPal fees, if any, are not refundable. Refunds for direct credit card and pay-by-check subscribers will be made by company check sent to an address provided by the subscriber.

12.   Although I may reside elsewhere, all services are, and shall be deemed to be, performed entirely within the state of Nevada, that Nevada law shall govern any disputes arising from my use of this website and its contents, that the courts of the state of Nevada shall have exclusive jurisdiction over any disputes arising from my use of this website.

13.   All questions, rights or controversies arising out of or relating to the services rendered shall be settled through binding arbitration under the provisions of the Nevada Uniform Arbitration Act.

14.   I have read the full User Agreement and Disclaimer document before making any investments and agree to be solely responsible for the results obtained. I will hold Compass and its agents harmless. If there is liability found on the part of Compass, it will be limited to the amount paid for services, and under no circumstances will there be consequential or punitive damages.

15.   Compass does not and cannot guarantee the future performance of my account, or that the HORIZON™ Model Portfolio will be profitable.