DISCLAIMER: RealPennies.com (RP) and is an independent electronic publication committed to providing our readers with factual information on selected publicly traded companies. RealPennies.com is not a registered investment advisor or broker-dealer. As detailed below, this publication accepts compensation from some of the companies from which it features. To the degrees listed herein, this Newsletter 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 in the Newsletter is neither an offer nor solicitation to buy or sell any securities mentioned. While we believe all sources of information to be factual and reliable, in no way do we represent or guarantee the accuracy thereof, nor the statements made herein. THE READER SHOULD VERIFY ALL CLAIMS AND DO THEIR OWN DUE DILIGENCE BEFORE INVESTING IN ANY SECURITIES MENTIONED. INVESTING IN SECURITIES IS SPECULATIVE AND CARRIES A HIGH DEGREE OF RISK. THE INFORMATION FOUND IN THIS PROFILE IS PROTECTED BY THE COPYRIGHT LAWS OF THE UNITED STATES AND MAY NOT BE COPIED, OR REPRODUCED IN ANY WAY WITHOUT THE EXPRESSED, WRITTEN CONSENT OF THE EDITORS OF RealPennies. 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 and/or the National Association of Securities Dealers ("NASD") at www.nasd.com. The NASD has published information on how to invest carefully at its web site. Readers can review all public filings by companies at the SEC's EDGAR page. www.sec.gov/edgar.shtml RealPennies.com is not a registered investment advisor or broker-dealer. All companies are chosen on the basis of certain financial analysis and other pertinent criteria with a view toward maximizing the upside potential for investors while minimizing the downside risk, whenever possible. From time to time RealPennies officers and or employees may sells shares in the open market it receives as compensation for coverage of client companies. Since the shares are received as compensation for services as previously disclosed, and not for investment purposes, the editors do not view the sale of the shares as contradictory to any advice delivered in the content. This should be viewed as a conflict of interest by shareholders or prospective shareholders of the client companies. When we do receive stock as compensation we typically sell the stocks at the same time we feature the company on RealPennies.com. Moreover, as detailed below, this publication accepts compensation from third party consultants and/or companies which it features on RealPennies.com. Likewise, RealPennies.com is owned by HagensMedia, LLC(RP). To the degrees enumerated herein, this newsletter and website 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 RealPennies.com is neither an offer nor solicitation to buy or sell any securities mentioned. While we believe all sources of information to be factual and reliable, in no way do we represent or guarantee the accuracy thereof, nor the statements made herein. The editor, members of the editor's family, and/or entities with which the editor is affiliated aside from RealPennies (RP) itself, are forbidden by company policy to own, buy, sell or otherwise trade stock for their own benefit in the companies which appear in the publication unless specifically disclosed in the newsletter. THE READER SHOULD VERIFY ALL CLAIMS AND DO THEIR OWN DUE DILIGENCE BEFORE INVESTING IN ANY SECURITIES MENTIONED. INVESTING IN SECURITIES IS SPECULATIVE AND CARRIES A HIGH DEGREE OF RISK. THE INFORMATION FOUND IN THIS PROFILE IS PROTECTED BY THE COPYRIGHT LAWS OF THE UNITED STATES AND MAY NOT BE COPIED, OR REPRODUCED IN ANY WAY WITHOUT THE EXPRESSED, WRITTEN CONSENT OF THE EDITORS OF RealPennies.COM. We often accept restricted shares of company stock; by SEC regulations, restricted shares cannot be sold into the market for a period of at least one year from the time that the shares are issued. In such cases, we detail in the Disclaimer 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 specify on our Disclaimer the terms of the options received. On occasion, we also accept free-trading shares in a company that we cover. However, by policy we generally do not buy or sell any shares of a company's stock within three trading days after any such company's profile, commentary, or other company-specific information is disseminated on RealPennies.com Web site. In cases where we do trade within the three day window, our volume will never represent more than 5% of the daily volume, thereby minimizing any effect we could have on the potential price movement. 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 RealPennies.com is updated on a regular basis as circumstances change, each member is strongly encouraged to periodically review or profile compensation.

* We are not promoting any companies at this time.

Privacy Policy:

RealPennies takes your privacy seriously. Please read the following to learn more about our privacy policy.

NOTICE: Click here for practical tips from the federal government and the technology industry to help you guard against Internet fraud, secure your computer and protect your personal information.

What This Privacy Policy Covers

• This policy covers how RealPennies treats personal information that RealPennies collects and receives, including information related to your past use of RealPennies products and services. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.
• This policy does not apply to the practices of companies that RealPennies does not own or control, or to people that RealPennies does not employ or manage. In addition, some companies that RealPennies has acquired have their own, preexisting privacy policies which may be viewed on our acquired companies page.

Information Collection and Use

General

• RealPennies collects personal information when you register with RealPennies, RealPennies may combine information about you that we have with information we obtain from business partners or other companies.
• When you register we ask for information such as your name, email address, birth date, gender, ZIP code, occupation, industry, and personal interests. For some financial products and services we might also ask for your address, Social Security number, and information about your assets. When you register with RealPennies and sign in to our services, you are not anonymous to us.
• RealPennies collects information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we offer.
• RealPennies automatically receives and records information from your computer and browser, including your IP address, RealPennies cookie information, software and hardware attributes, and the page you request.
• RealPennies uses information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.

Information Sharing and Disclosure

• RealPennies may or may not rent, sell, or share personal information about you with other people or non-affiliated companies to provide products or services:
  • We provide the information to trusted partners who work on behalf of or with RealPennies under confidentiality agreements. These companies may use your personal information to help RealPennies communicate with you about offers from RealPennies and our marketing partners. However, these companies do not have any independent right to share this information.
  • We have a parent's permission to share the information if the user is a child under age 13. Parents have the option of allowing RealPennies to collect and use their child's information without consenting to RealPennies sharing of this information with people and companies who may use this information for their own purposes.
  • We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims.
  • We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of RealPennies's terms of use, or as otherwise required by law.
  • We transfer information about you if RealPennies is acquired by or merged with another company. In this event, RealPennies will notify you before information about you is transferred and becomes subject to a different privacy policy.
• RealPennies displays targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click targeted ads meet the targeting criteria—for example, women ages 18-24 from a particular geographic area.
  • RealPennies does not provide any personal information to the advertiser when you interact with or view a targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad.
  • RealPennies advertisers include financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).
• RealPennies works with vendors, partners, advertisers, and other service providers in different industries and categories of business.

Cookies

• RealPennies may set and access RealPennies cookies on your computer.
• RealPennies lets other companies that show advertisements on some of our pages set and access their cookies on your computer. Other companies' use of their cookies is subject to their own privacy policies, not this one. Advertisers or other companies do not have access to RealPennies's cookies.

Your Ability to Edit and Delete Your Account Information and Preferences

Email Marketing From Third Party Sponsors

In addition, from time to time, RealPennies sends, on behalf of third parties, promotions via mail to some or all of its subscribers. RealPennies strictly maintains the confidentiality of its subscribers' and users are always given the opportunity of opting-out of these promotions via email, text message, phone call.

General

• You can edit delete your RealPennies Account Information, at any time under your my profile link.
• New categories of marketing communications might be added to the Marketing Preferences page from time to time. Users who visit this page can opt out of receiving future marketing communications from these new categories or they can unsubscribe by following instructions contained in the messages they receive.
• We reserve the right to send you certain communications relating to the RealPennies service, such as third party company announcements, administrative messages and the RealPennies Newsletter, that are considered part of your RealPennies account, without offering you the opportunity to opt out of receiving them.

Confidentiality and Security

• We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.
• We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.

Changes to this Privacy Policy

• RealPennies may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your RealPennies account or by placing a prominent notice on our site.

Questions and Suggestions

• If you have questions or suggestions, please complete a feedback form or you can contact us at:

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