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The Catalyst Review Electronic Site License Agreement

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Gwynedd Office Park • P.O. Box 680 • Spring House, PA 19477 • Phone: 215-628-4447 • Fax: 215-628-2267<br />

E-mail: tcgr@catalystgrp.com • Web <strong>Site</strong>: www.catalystgrp.com<br />

<strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> <strong>Electronic</strong> <strong>Site</strong> <strong>License</strong> <strong>Agreement</strong><br />

2012-2013<br />

<strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> (“<strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong>”) is a monthly publication of <strong>The</strong><br />

<strong>Catalyst</strong> Group Resources (“Publisher”). Upon submitting a request for an electronic<br />

subscription for a multi-site or single-site license and payment of the subscription price<br />

in full, your access to the electronic subscription of <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> will be activated<br />

and you will become an authorized user and distributor ("<strong>License</strong>e").<br />

1. Terms of this <strong>License</strong> <strong>Agreement</strong><br />

This <strong>License</strong> <strong>Agreement</strong> sets forth the terms and conditions under which the<br />

Publisher provides multi-site or single-site subscribers with access to the electronic<br />

edition of <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong>. This <strong>License</strong> <strong>Agreement</strong> solely covers a multi-site or<br />

single-site license subscription for the <strong>License</strong>e and <strong>License</strong>e’s designated Authorized<br />

Users (hereinafter defined). Individual subscribers are covered separately under an<br />

Individual <strong>License</strong> <strong>Agreement</strong> available from the Publisher.<br />

BY COMPLETING THE ENROLLMENT PROCESS AND PAYING THE<br />

ANNUAL SUBSCRIPTION FEE IN FULL, YOU AGREE TO ALL OF THE<br />

TERMS AND CONDITIONS OF THIS LICENSE AGREEMENT, WHICH ARE<br />

BINDING UPON YOU, JUST AS IF YOU HAD SIGNED THIS AGREEMENT.<br />

IF YOU DO NOT WISH TO BE BOUND BY THIS AGREEMENT, PLEASE<br />

CONTACT THE PUBLISHER AND DO NOT COMPLETE THE ENROLLMENT<br />

PROCESS.<br />

2. <strong>License</strong><br />

<strong>The</strong> Publisher hereby grants to the <strong>License</strong>e and its Authorized Users the non-exclusive,<br />

non-transferable right and license to access the <strong>License</strong>d Material during the paid subscription<br />

period according to the terms of this <strong>License</strong> <strong>Agreement</strong> and to make the uses permitted and<br />

described below<br />

3. Definitions<br />

A. <strong>The</strong> term ‘<strong>License</strong>d Material’ means the online content consisting of<br />

articles and related materials published by the Publisher as “<strong>The</strong> <strong>Catalyst</strong><br />

<strong>Review</strong>”.<br />

B. An ‘electronic subscription’ to <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> provides access to<br />

HTML digital reader and/or PDF versions of the final, typeset articles in<br />

<strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong>.<br />

C. ‘Authorized User(s)’ means those registered current employees and<br />

independent contractors of the <strong>License</strong>e (whether on a permanent,<br />

temporary or contract basis) who are permitted by the <strong>License</strong>e to access<br />

the Secure Network from within or outside the <strong>License</strong>e’s premises, whose<br />

identity is authenticated to the Publisher at the time of login or


distribution and periodically thereafter consistent with current best<br />

practice, and whose conduct is subject to regulation by the <strong>License</strong>e.<br />

D. ‘Secure Network’ means a network operated or controlled by the<br />

<strong>License</strong>e (whether a standalone electronic network or a virtual network<br />

within the Internet or Intranet) which is accessible only to Authorized<br />

Users.<br />

E. ‘Authorized <strong>Site</strong>s’ means:<br />

a. Single-<strong>Site</strong> means a Single-<strong>Site</strong> <strong>License</strong> issued for:<br />

1. one geographic location; or<br />

2. multiple sites within a twenty (20) mile radius of the primary<br />

site that are part of a single organizational unit administered<br />

centrally; or<br />

3. if approved by the Publisher in its sole discretion, multiple<br />

sites owned and/or operated by one or more wholly-owned<br />

affiliates or subsidiaries of the parent company as satellite<br />

offices of the primary site.<br />

<br />

Example: Different campuses of the same company in<br />

different cities are considered an Authorized Single-<br />

<strong>Site</strong>.<br />

b. Multi-site means a Multi-site <strong>License</strong> issued for:<br />

1. an organization with independently administered multiple<br />

locations within one city; or<br />

2. an organization in more than one city, state, or country, with<br />

administration of this license being done centrally on behalf<br />

of all locations.<br />

<br />

Example: Each office of a pharmaceutical company is<br />

considered to be a different site.<br />

c. Any affiliated company or wholly owned subsidiary that will have<br />

access to the <strong>License</strong>d Material shall be taken into account when<br />

determining what type of license is required from the Publisher.<br />

4. Delivery & Distribution<br />

A. <strong>The</strong> delivery and distribution format of the <strong>License</strong>d Material shall<br />

be at the discretion of the publisher via either Adobe PDF or HTML digital reader;<br />

however, the Publisher reserves the right to change the electronic format for delivery of<br />

the <strong>License</strong>d Material upon prior notice to <strong>License</strong>e at such time as other electronic<br />

formats become commonly available.<br />

B. Distribution shall be made to the address, or addresses, provided by<br />

the <strong>License</strong>e at time of subscription. <strong>License</strong>e shall be solely responsible for notifying<br />

the Publisher of any changes to <strong>License</strong>e’s or an Authorized User’s e-mail and postal<br />

mail address.<br />

C. <strong>License</strong>e shall provide suitable Internet connections, and download<br />

and distribute the free software available for accessing the above delivery formats.<br />

<strong>The</strong> <strong>Catalyst</strong> Group Resources<br />

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Should <strong>License</strong>e or an Authorized User have questions about electronic delivery format,<br />

they may contact <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> Customer Service at +1 215 628 4447.<br />

5. Permitted Uses<br />

A. Pursuant to this <strong>License</strong>, the <strong>License</strong>e is authorized to do any of the<br />

following with individual articles or excerpts from, or an entire issue of, <strong>The</strong> <strong>Catalyst</strong><br />

<strong>Review</strong>:<br />

a. Allow Authorized Users to have access to the <strong>License</strong>d Material via<br />

the Secure Network.<br />

b. Supply to Authorized Users, by electronic or other means, copies of<br />

one or more articles or excerpts from the <strong>License</strong>d Material.<br />

c. Display, download and print all or part of the <strong>License</strong>d Material for<br />

the purpose of internal promotion or training groups of Authorized<br />

Users.<br />

d. Display, download and print all or part of the <strong>License</strong>d Material<br />

during a trial use period, if approved by the Publisher in its sole<br />

discretion on a case by case basis, the duration of which shall be<br />

determined solely by the Publisher.<br />

e. Use the <strong>License</strong>d Material as part of an integrated information<br />

service for Authorized Users that will include links between the<br />

<strong>License</strong>d Material and the <strong>License</strong>e’s own indices.<br />

f. Disclose or supply all or portions of the <strong>License</strong>d Material in print<br />

or electronic form in response to any request, notice, demand, or<br />

order received by <strong>License</strong>e in connection with any judicial,<br />

administrative or regulatory proceeding relating to the <strong>License</strong>d<br />

Material, but only to the extent required by law.<br />

B. Pursuant to this <strong>License</strong>, Authorized Users of the <strong>License</strong>e may do<br />

any of the following with individual articles or excerpts from, or an entire issue of, <strong>The</strong><br />

<strong>Catalyst</strong> <strong>Review</strong>, provided that the <strong>License</strong>d Material shall at all times show proper<br />

copyright notices or other proprietary notices or means of identification:<br />

a. Search, view, retrieve, display and download <strong>License</strong>d Material<br />

solely for the use of an Authorized User.<br />

b. Print single copies of the <strong>License</strong>d Material for an Authorized User’s<br />

personal use.<br />

c. Distribute single copies of the <strong>License</strong>d Material in print or<br />

electronic form to other Authorized Users only for their personal<br />

use.<br />

d. Disclose or supply all or portions of the <strong>License</strong>d Material in print<br />

or electronic form in response to any request, notice, demand, or<br />

order received by <strong>License</strong>e in connection any judicial,<br />

administrative or regulatory proceeding relating to the <strong>License</strong>d<br />

Material, but only to the extent required by law.<br />

e. Make electronic copies of all or portions of the <strong>License</strong>d Material<br />

for storage on the Authorized User’s machine only.<br />

<strong>The</strong> <strong>Catalyst</strong> Group Resources<br />

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6. Prohibited Uses<br />

A. Any use not authorized as a “Permitted Use” under Section 5 of this<br />

<strong>License</strong> <strong>Agreement</strong> is prohibited and shall be treated by the Publisher as infringement<br />

under the Copyright Act of 1976, as amended, 17 U.S.C. §§ 101 et seq., unless prior<br />

written permission has been obtained from the Publisher. A prohibited use by the<br />

<strong>License</strong>e or any Authorized User may result in immediate termination of the <strong>License</strong>e’s<br />

and/or Authorized User’s subscription.<br />

B. <strong>The</strong> <strong>License</strong>e and its Authorized Users are expressly prohibited<br />

from doing any of the following with respect to any individual article or excerpt from, or<br />

an entire issue of, <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong>, unless the prior written permission of the<br />

Publisher has been obtained:<br />

a. Distribute, provide, make available or forward a copy (by electronic<br />

means or otherwise) of any <strong>License</strong>d Material to any person or<br />

entity other than an Authorized User or to any Authorized User for<br />

a purpose not permitted by this <strong>License</strong> <strong>Agreement</strong>.<br />

b. Systematically reproduce or make multiple copies or extracts<br />

(either in print or electronic form) of the <strong>License</strong>d Material for any<br />

purpose other than as explicitly permitted under Section 5 of this<br />

<strong>License</strong> <strong>Agreement</strong>.<br />

c. Publish, distribute or make available any material or excerpts from<br />

<strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> in other works or create derivative works or<br />

otherwise combine <strong>License</strong>d Material with any other material.<br />

d. Use the whole or part of the <strong>License</strong>d Material for sale, reward or<br />

exploitation or impose any charge for a copy (electronic or<br />

otherwise) of all or any portion of the <strong>License</strong>d Material, except for<br />

normal printing or copying costs where such reproduction is<br />

authorized under Section 5 of this <strong>License</strong> <strong>Agreement</strong> or as<br />

expressly permitted by the Publisher.<br />

e. Alter, abridge, adapt or modify any portion of the <strong>License</strong>d<br />

Material, except to the extent necessary to make it perceptible on a<br />

computer screen to Authorized Users. Notwithstanding the<br />

foregoing, no alteration of the words or their order in the <strong>License</strong>d<br />

Material shall be permitted.<br />

f. Remove, obscure or alter the authors’ names or affiliations or the<br />

Publisher’s copyright notices or other proprietary notices or means<br />

of identification or disclaimers as they appear in the <strong>License</strong>d<br />

Material.<br />

g. Mount or distribute any part of the <strong>License</strong>d Material on any<br />

electronic network, including but not limited to, the Internet and<br />

the World Wide Web, except as permitted under Section 5 of this<br />

<strong>License</strong> <strong>Agreement</strong>.<br />

C. To obtain express written permission to make any use not expressly<br />

authorized by this <strong>License</strong>, send hand-signed requests to: <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong>, <strong>The</strong><br />

<strong>Catalyst</strong> Group Resources, PO Box 680, Spring House PA 19477 USA; or via courier to:<br />

750 North Bethlehem Pike, Spring House PA 19477 fax (215) 628-4447.<br />

<strong>The</strong> <strong>Catalyst</strong> Group Resources<br />

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7. Obligations of <strong>License</strong>e<br />

A. <strong>The</strong> <strong>License</strong>e is responsible for taking reasonable measures to<br />

prevent prohibited uses and to promptly notify the Publisher, c/o <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong>,<br />

of any copyright infringement or prohibited use of which the <strong>License</strong>e or any Authorized<br />

User becomes aware. <strong>The</strong> <strong>License</strong>e will cooperate with the Publisher in investigating<br />

any such prohibited uses and will take reasonable steps to ensure the cessation of such<br />

activity and to prevent any reoccurrence.<br />

B. <strong>License</strong>e shall:<br />

a. Take all reasonable measures to inform Authorized Users of the<br />

terms and conditions of this <strong>License</strong> and emphasize to such<br />

Authorized Users the need to comply with all restrictions on access,<br />

use, reproduction and transmissions included herein, as such<br />

restrictions may be amended, modified or supplemented from time<br />

to time.<br />

b. Make access available to Authorized Users only through <strong>License</strong>e’s<br />

Secure Network; undertake reasonable measures within <strong>License</strong>e’s<br />

control to prevent access to and improper use of the <strong>License</strong>d<br />

Material by unauthorized persons; and take responsibility for<br />

terminating any unauthorized access of which <strong>License</strong>e has actual<br />

notice or knowledge.<br />

C. <strong>License</strong>e understands and agrees that the Publisher has the right to<br />

monitor access to and usage of <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> to confirm that access to this service<br />

is limited to the <strong>License</strong>e and its Authorized Users. Upon request of the Publisher from<br />

time to time, <strong>License</strong>e shall provide and shall cause any or all Authorized Users to<br />

provide to the Publisher, or its designee, such documentation as may be satisfactory to<br />

the Publisher to evidence that all users of such service are Authorized Users of the<br />

<strong>License</strong>e.<br />

8. Copyright and Trademarks<br />

<strong>The</strong> entire content of <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> is copyrighted and protected by United<br />

States copyright laws. <strong>The</strong> compilation, organization and display of the content is the<br />

exclusive property of the Publisher. In addition, all marks, graphics, logos and page<br />

headers in <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> are service marks, trademarks and/or trade dress owned<br />

by the Publisher. Any service marks or trademarks appearing in <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong><br />

that are not owned by the Publisher are the intellectual property of their respective<br />

owners, who may or may not be affiliated with or connected to the Publisher.<br />

Any unauthorized copying or prohibited use of <strong>License</strong>d Material, including but<br />

not limited to, text, graphics, tables, computations or code, may result in liability for<br />

copyright infringement (including injunctive relief and damages) under United States<br />

copyright law.<br />

All copies of material from <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> shall bear the complete and<br />

proper copyright notice as shown in the initial page of each article or, if different, on the<br />

<strong>The</strong> <strong>Catalyst</strong> Group Resources<br />

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portion reproduced. Deletion or modification of any copyright information or notice,<br />

such as author attribution, is prohibited.<br />

<strong>The</strong> <strong>License</strong>e may not use any trademark or service mark appearing on electronic<br />

editions of <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> without the prior written consent of the Publisher<br />

and/or the owner of the mark. <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> and <strong>The</strong> <strong>Catalyst</strong> Group Resources<br />

are trademarks of <strong>The</strong> <strong>Catalyst</strong> Group Inc.<br />

9. Copyright Complaints<br />

<strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> respects the intellectual property of others, and asks its<br />

users to do the same. <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> may, at its sole discretion, terminate the use<br />

of this <strong>License</strong> by any user who violates any of the terms of this <strong>Agreement</strong>, or infringes<br />

the intellectual property rights of others.<br />

If you are the owner of intellectual property who believes that your intellectual<br />

property has been improperly posted or distributed by our publication, please provide<br />

the Publisher, c/o <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong>, the following information in a signed notice:<br />

A description of the copyrighted work that you claim has been infringed;<br />

<br />

<br />

<br />

<br />

A description of where the material that you claim is infringing is located<br />

on our Web site;<br />

Your address, telephone number and e-mail address;<br />

A statement by you that you have a good faith belief that the disputed use<br />

is not authorized by the copyright owner, its agent, or the law;<br />

A statement by you, made under penalty of perjury, that the above<br />

information in your notice is accurate and that you are the copyright<br />

owner or are authorized to act on the copyright owner's behalf.<br />

10. Requests for Distribution<br />

Requests for electronic reprints of specific stories from or issues of <strong>The</strong> <strong>Catalyst</strong><br />

<strong>Review</strong> for marketing, information or advertising purposes will be decided by the<br />

Publisher on a case by case basis.<br />

In the event that the <strong>License</strong>e’s request for electronic reprints is approved in<br />

writing by the Publisher, then <strong>License</strong>e’s use thereof shall be conditioned upon and<br />

subject to strict compliance with all terms and conditions of the approval as<br />

communicated in writing by the Publisher. <strong>License</strong>e understands and agrees that the<br />

copyright law provisions of this <strong>License</strong> <strong>Agreement</strong> apply to all reprints.<br />

Requests for permission to reproduce or distribute materials found on our Web<br />

site or publication should be sent via e-mail to thecatalystreview@catalystgrp.com or by<br />

mail to: Permissions, <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong>, <strong>The</strong> <strong>Catalyst</strong> Group Resources, PO Box 680,<br />

Spring House PA 19477 USA; or via courier to: 750 North Bethlehem Pike, Spring<br />

House PA 19477 fax (215) 628-4447.<br />

<strong>The</strong> <strong>Catalyst</strong> Group Resources<br />

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11. Termination<br />

A. <strong>The</strong> Publisher may terminate this <strong>License</strong> for a material breach by<br />

<strong>License</strong>e by providing written notice of termination to <strong>License</strong>e in paper or electronic<br />

form to the e-mail address the <strong>License</strong>e provided upon subscription, and the <strong>License</strong>e<br />

will be deemed to have received the message within two hours of transmission.<br />

Termination will be effective at that time, so that distribution no longer occurs OR the<br />

assigned user name and password no longer grant access to the <strong>Site</strong>. No refund shall be<br />

provided upon such termination.<br />

B. <strong>The</strong> Publisher shall have the right to suspend or terminate access to<br />

the <strong>License</strong>d Material by any Authorized User, and to direct that the <strong>License</strong>e suspend<br />

or terminate access by such Authorized User, if such Authorized User breaches the<br />

terms and conditions of this <strong>License</strong>. Any such termination shall take effect<br />

immediately and without prior notice to such Authorized User. No refund shall be<br />

provided to <strong>License</strong>e upon such termination.<br />

C. <strong>The</strong> Publisher may terminate this <strong>License</strong> at the end of any<br />

subscription period, with or without cause.<br />

12. Disclaimer of Warranties or Liability<br />

<strong>The</strong> contents of <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> are for general information purposes only,<br />

do not constitute advice and should not be relied upon in making, or refraining from<br />

making any decision. IN NO EVENT WILL THE PUBLISHER BE LIABLE FOR<br />

ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES<br />

OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THE USE OF<br />

THE ARTICLES OR OTHER MATERIAL DERIVED FROM THE CATALYST<br />

REVIEW.<br />

<strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> is provided “as is”, without warranty of any kind,<br />

and the Publisher hereby excludes any warranty, express or implied, as to<br />

the quality, accuracy, timeliness, completeness, performance,<br />

merchantability or fitness for a particular purpose of <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong>,<br />

individual issues, or any of the contents thereof. <strong>The</strong> Publisher will not be liable<br />

for any losses or damages, including, without limitation, damages for the loss of<br />

business projects, or the loss of profits, arising in contract, tort or otherwise from the<br />

use or inability to use the publication, or any of its contents, or from any action taken, or<br />

refrained from being taken, as a result of using the publication or any such contents.<br />

<strong>The</strong> Publisher will not be liable to any person or entity for any loss or damage<br />

arising if online access to <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> is suspended or interrupted, or if the<br />

network is unavailable due to normal administration and system downtime.<br />

<strong>The</strong> Publisher makes no warranty that the contents of its electronic edition of <strong>The</strong><br />

<strong>Catalyst</strong> <strong>Review</strong> are free from infection by viruses or anything else which has<br />

contaminating or destructive properties.<br />

<strong>The</strong> <strong>Catalyst</strong> Group Resources<br />

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<strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> may contain certain links that lead to resources located on<br />

servers maintained by third parties over whom the Publisher has no control. <strong>The</strong><br />

Publisher accepts no responsibility or liability for any of the material housed on those<br />

servers.<br />

NOTWITHSTANDING ANY OTHER PROVISION OF THIS LICENSE,<br />

THE MAXIMUM LIABILITY OF THE PUBLISHER OR ANY AFFILIATE<br />

SHALL BE LIMITED TO AND SHALL NOT EXCEED THE SUBSCRIPTION<br />

FEES PAID FOR THE UNEXPIRED PORTION OF THE SUBSCRIPTION<br />

PERIOD FOR WHICH SUCH FEES HAVE BEEN PAID.<br />

13. Changes to this <strong>Agreement</strong><br />

<strong>The</strong> Publisher reserves the right to add or change the terms of this <strong>License</strong><br />

<strong>Agreement</strong>. Any changes will be posted to the <strong>Agreement</strong> and it shall be the <strong>License</strong>e’s<br />

and each Authorized User’s responsibility to refer to the revised terms upon accessing<br />

the service. Changes will become effective within three hours after first posting to <strong>The</strong><br />

<strong>Catalyst</strong> <strong>Review</strong> online edition and the <strong>License</strong>e and each Authorized User will be<br />

deemed to have accepted any change if the <strong>License</strong>e or Authorized User continues to<br />

access the site after this time period.<br />

14. Privacy Protection<br />

<strong>The</strong> Publisher may from time to time send information to Authorized Users about<br />

its parent company’s product or service offerings. Abstracted user profiles containing<br />

title, company and geographic location may be utilized by the Publisher in marketing or<br />

advertising activities. Should you wish your abstracted profile not to be utilized for this<br />

purpose, please email thecatalystreview@catalystgrp.com with the subject heading ‘Optout’<br />

and request that your abstracted profile not be utilized. Any subsequent use of your<br />

information by the Publisher will cease no later than 2 weeks after receipt of your email.<br />

15. Force Majeure<br />

<strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> shall have no liability for any interruption or delay in access<br />

to its online distribution (via PDF or digital reader), regardless of the cause.<br />

16. Governing Law<br />

This <strong>Agreement</strong> shall be interpreted and construed in, and governed by the laws<br />

of the Commonwealth of Pennsylvania, United States of America, without reference to<br />

conflicts of law principles as applicable to agreements made and wholly performed<br />

therein.<br />

<strong>The</strong> <strong>Catalyst</strong> Group Resources<br />

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17. Arbitration<br />

Any controversy or claim arising out of or relating to this <strong>Agreement</strong>, or the<br />

breach thereof, may be settled by arbitration in accordance with the Commercial<br />

Arbitration Rules of the American Arbitration Association, and judgment on the award<br />

rendered by the Arbitrator(s) may be entered in any court having jurisdiction thereof.<br />

Any arbitration proceeding shall be conducted in Montgomery County, Pennsylvania.<br />

________________________________________<br />

By subscribing, you have agreed to <strong>The</strong> <strong>Catalyst</strong> <strong>Review</strong> <strong>Electronic</strong> User <strong>Agreement</strong>.<br />

<strong>The</strong> <strong>Catalyst</strong> Group Resources<br />

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