1. While we would like to hear from you, please do not assume that we are representing you on any matter that may involve you until you receive a written statement from us that we represent you.

2. By entering this site you acknowledge and agree that this site will only be construed and evaluated according to United States law.

3. Although this site may be linked to other site, Rick Hammond nor Johnson & Bell, Ltd. is not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked site, unless specifically stated therein. By entering this site you acknowledge and agree that neither Rick Hammond nor Johnson & Bell, Ltd. have reviewed any of the site linked to this site and is not responsible for the content of any off-site pages or any other site linked to this site. You linking to any other off-site pages or other sites is at your own risk.

4. Rick Hammond is the copyright owner of everything on this site and no portion of this site, including but not limited to the text, images, audio or video, may be used in any manner, or for any purpose, without Rick Hammond's written permission, except as provided for herein. Modification or use of the material on this site for any other purpose violates Rick Hammond's legal rights.

5. By entering this site you acknowledge and agree that your use if at your own risk and that none of the parties involved in creating, producing, or delivering this site is liable for any direct, incidental, consequential, indirect, or punitive damages, or any other lasses, costs, or expenses of any kind (including legal fees, expert fees, or other disbursements) which may arise, directly or indirectly, through the access to, use of, or browsing of this site or through you downloading of any materials, data, text, images, video or audio from this site, including but not limited to anything caused by any viruses, bugs, human action or inaction or any computer system, phone line, hardware, software or program malfunctions, or any other errors, failures or delays in computer transmissions or network connections.

6. Although the information contained in the site is based upon up-to-date information, and while Rick Hammond and Johnson & Bell, Ltd. make all reasonable efforts to insure that all material on this site is correct, accuracy cannot be guaranteed and no warranties or representations are made by Rick Hammond nor Johnson & Bell, Ltd. as to its accuracy.

7. By entering this site you acknowledge and agree that any communication or material you transmit to this site, Rick Hammond, or to Johnson & Bell, Ltd., in nay manner and for any reason, will not be treated as confidential or proprietary. Furthermore, you acknowledge and agree that nay ideas, concepts, techniques, procedures, methods, systems, design, plans, charts, or other materials you transmit to Rick Hammond and/or Johnson & Bell, Ltd. may be used by Rick Hammond and/or Johnson & Bell, Ltd., anywhere, anytime, and for any reason whatsoever.

8. By entering this site you acknowledge and agree that any name, logo, trademark, or servicemark contained on this site is owned or licensed by Rick Hammond and/or Johnson & Bell, Ltd. and may not be used by you without prior written approval, Rick Hammond and/or Johnson & Bell, Ltd. will aggressively enforce its intellectual property rights to the full extent of the law. Sound, graphics, charts, information, or images of places or people are either property or Rick Hammond and/or Johnson & Bell, Ltd. or used on this site with permission. Your use of any of these materials is prohibited unless specifically provided for on the site. Any unauthorized use of these materials may subject you to penalties or damages, including but no limited to those related to violation of trademarks, copyrights, privacy, and publicity rights.

9. Rick Hammond and/or Johnson & Bell, Ltd. reserves the right to revise this legal information at any time and for any reason and reserves the right to make changes at any time, without notice or obligation, to any of the information contained on this site. By entering this site you acknowledge and agree that you will be bound by any such revisions. We suggest periodically visiting this page of the site to review these terms and conditions.

10. Sponsor: Rick Hammond ofRick Hammond, CLU Johnson & Bell 55 East Monroe - Suite 4100 Chicago, Illinois 60603-5803 (312) 372-0770.

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