This agreement (the "Agreement") is entered into as of today's date (the "Effective Date") by and between you (the "Customer") and SNET Diversified Group, Inc. ("SNET") with its principal place of business at 227 Church Street, New Haven, Connecticut 06510 (collectively the "Parties").

WHEREAS, SNET provides, and Customer wishes to obtain, certain services to enable Customer to host a personal Home Page ("Customer Home Page") such that third parties may access the Customer Home Page via the World Wide Web.

Now, Therefore, in consideration of the covenants and conditions provided in this Agreement, and other good and valuable consideration, SNET and Customer hereby agree as follows:

1.0 DEFINITIONS.

1.1 Customer Home Page. "Customer Home Page" means a facility for Customer to provide information to third parties via the World Wide Web via the SNET Services (defined herein).

1.2 SNET Servers. "SNET Servers" are the servers owned operated and maintained by SNET on which the Customer Home Page is hosted such that third parties may access the Customer Home Page via the World Wide Web.

1.3 SNET Internet Personal Home Page Web Site. "SNET Internet Personal Home Page Web Site" shall mean the Web site located at HTTP://PHP.CTHOME.NET.

1.4 SNET Tools. "SNET Tools" shall mean the computer software and other materials, including HTML script or code, developed by SNET or its suppliers, and currently provided for the use of Customer to create, maintain, update and upgrade the Customer Home Page. The SNET Tools shall consist only of the SNET Tools located on the SNET Internet Home Page Web Site. SNET reserves the right to modify, remove, or add to the list of SNET Tools available to Customer at any time for any or no reason.

1.5 SNET Content. "SNET Content" shall mean any and all proprietary images, artwork, copy, information, data, or knowledge licensed to Customer hereunder as part of the SNET Services. The SNET Content shall consist only of the SNET Content located on and originating from the SNET Internet Personal Home Page Web Site. SNET reserves the right to modify, remove, or add to the list of SNET Content available to Customer at any time for any or no reason.

1.6 SNET Proprietary Materials. "SNET Proprietary Materials" shall mean collectively the SNET Tools, the SNET Content and the Customer Home Page.

1.7 SNET Services. "SNET Services" shall mean the services defined in Article 2.0 of this Agreement which shall enable Customer to create, maintain, update and upgrade the Customer Home Page and to host the Customer Home Page on the SNET Servers such that third parties may access the Customer Home Page via the World Wide Web.

1.8 Customer Uniform Resource Locator. "Customer Uniform Resource Locator" shall mean Customer's secondary domain name which serves as the Internet Protocol address for the Customer Home Page. Customer shall have no proprietary rights of any kind in the Customer Uniform Resource Locator.

1.9 Customer Materials. "Customer Materials" shall mean any and all images, artwork, copy, information (including, without limitation, information in any file in any format), data, knowledge, computer software, and other materials of any kind provided by Customer for use with the Customer Home Page.

2.0 SNET SERVICES.

2.1 Hosting Services. For the term of this Agreement, SNET shall host the Customer Home Page on the SNET Servers such that third parties may access the Customer Home Page via the World Wide Web. The Customer Home Page shall be limited to five (5) megabytes of disk space.

2.2 Customer Uniform Resource Locator. Customer shall have the option to choose Customer's Customer Uniform Resource Locator, subject to availability, to identify the Customer Home Page.

2.3 SNET Proprietary Materials. SNET shall provide Customer use of the SNET Proprietary Materials, strictly in accordance with the license granted herein, for the sole purpose of creating, maintaining, updating and upgrading the Customer Home Page.

2.4 No Customer Internet Connection Equipment Provided. SNET does not provide any modem, computer, or any other equipment or system for Customer to connect to the Internet. Customer is responsible for its modems, computers, operating systems and connection devices necessary for connecting to the Internet through which Customer can access the SNET Services.

2.5 Revision of SNET Services. SNET may modify, suspend or discontinue any aspect of the SNET Services at any time, including the availability of any SNET Proprietary Materials. SNET may also impose limits on certain features and services or restrict Customer's access to parts or all of the SNET Services without notice or liability of any kind.

2.6 No Resale of SNET Services. Customer agrees that this Agreement is personal to Customer and that Customer may not resell, lease, license, assign or redistribute any portion of the SNET Services to any third party.

3.0 LICENSE; PROPRIETARY RIGHTS.

3.1 SNET Proprietary Materials License. SNET hereby grants to Customer, and Customer hereby accepts, a personal, non-transferable, non-exclusive, limited license, for the term of this Agreement, to use one (1) copy of the SNET Proprietary Materials (where applicable, in executable, object code form only) solely in connection with operating the Customer Home Page (the "SNET License"). Nothing herein shall be interpreted to mean, and SNET does not grant Customer any right or license in any SNET proprietary images, artwork, copy, information, data, knowledge, computer software or any other material or information of any kind exclusive of the SNET Proprietary Materials.

3.2 No Sublicense. Nothing herein shall be interpreted to mean, andSNET does not grant to Customer, any right or license to enter into sublicenses or redistribution agreements with respect to any portion of the SNET Proprietary Materials.

3.3 Copyright Notices. The SNET Proprietary Materials are protected by copyright pursuant to U.S. copyright laws, international conventions and other copyright laws, and are owned or controlled by SNET. Customer will abide by any and all additional copyright notices, information, or restrictions contained in the SNET Proprietary Materials.

3.4 SNET License Restrictions. Except as provided for in this Agreement, Customer represents, warrants and covenants that Customer will not reproduce, modify, publish, transmit, participate in the transfer or sale of, distribute, publicly exhibit, display perform or digitally perform, or in any way exploit, any of the SNET Proprietary Materials or the Customer Home Page, in whole or in part.

3.5 No Derivative Works. Customer represents covenants and warrants that it shall not reverse engineer, decompile, translate, or develop derivative works based on, the SNET Proprietary Materials, except that such restrictions shall not apply to the Customer Materials.

3.6 No Contesting of Rights. The Customer acknowledges and agrees that neither during the existence of this Agreement nor after the termination or expiration hereof, shall the Customer directly or indirectly contest or aid in contesting the validity or ownership of the SNET Proprietary Materials or take any action whatsoever in derogation of SNET's rights therein or in breach of any terms and conditions contained in this entire Article 3.0.

3.7 Reservation of Rights. Any and all rights to use any SNET Proprietary Materials not expressly granted to Customer under this Agreement are hereby reserved for SNET (the "SNET Reserved Rights"). Nothing contained in this Agreement shall affect, impair, or limit in any way SNET's rights to exploit fully any or all of the SNET Reserved Rights.

3.8 SNET Trademarks. Nothing herein shall be interpreted to mean, and SNET does not grant Customer any right or license in any SNET trademark, tradename, service mark, insignia, slogan, name, emblem, logo, symbol, design and/or other identifying characteristics owned by or associated with SNET, its parent, its subsidiaries or Affiliates, in any manner whatsoever.

3.9 Customer Materials License. Customer hereby grants to SNET a perpetual, non-exclusive license to reproduce, license, publish, distribute, transmit, broadcast, or publicly exhibit, display, perform or digitally perform and otherwise use the Customer Materials as necessary to provide the SNET Services to Customer hereunder. Customer hereby agrees to now and forever release and hold SNET, its affiliates, subsidiaries, directors, officers, advertising agencies, suppliers, agents and employees, harmless from any and all losses, damages, rights, claims and actions with respect to, or in any way arising from, SNET's use of the Customer Materials (including, without limitation, any alleged or actual infringement of any proprietary rights, rights of privacy and publicity, moral rights, and rights of attribution in connection with the Customer Materials).

3.10 Proprietary Rights. Customer acknowledges and agrees that SNET owns and shall retain all rights, title and interest in and to the SNET Proprietary Materials, including, without limitation, all copies thereof and all rights to patents, copyrights, trademarks, service marks, trade secrets and other intellectual property rights inherent therein and appurtenant thereto, subject only to Customer's rights in and to the Customer Materials. Customer shall retain all rights, title and interest in and to the Customer Materials, including, without limitation, all copyrights, trademarks, patents, trade secrets, and any other proprietary rights inherent therein or appurtenant thereto.

3.11 Proprietary Notices. SNET shall have the right to place proprietary notices of SNET and its suppliers on the Customer Home Page in accordance with the terms and conditions of this Agreement.

4.0 SYSTEM RULES.

Customer agrees to be bound by rules that are important for the proper use of the Customer Home Page and the SNET Services. Customer's failure to follow these rules, whether set out in this Agreement, or in bulletins posted at various points by SNET, may result in SNET terminating this Agreement and Customer's SNET Internet account. Customer hereby represents, warrants and covenants that Customer will abide by the following rules: (i) Customer will not use the Customer Home Page or the SNET Services to post, transmit, display, distribute or promote any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, racist, sexually explicit or indecent material of any kind; (ii) Customer will not use the Customer Home Page or the SNET Services to encourage, promote, solicit or commit conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law; (iii) Customer will not use the Customer Home Page or the SNET Services to post, transmit, display, distribute or promote in any way, information, software, or other material that violates, plagiarizes or infringes the rights of third parties including, without limitation, copyright (including, without limitation, offering pirated computer programs or links to such programs, information used to circumvent manufacturer-installed copy-protect devices, including serial registration numbers for software programs, or any type of cracker utilities), trademark, patent, trade secret, rights of privacy or publicity or any other proprietary right; (iv) Customer will not use the Customer Home Page or the SNET Services to promote physical harm or injury against any group or individual; (v) Customer will not use the Customer Home Page or the SNET Services for commercial purposes of any kind (SNET reserves the right, in SNET's sole discretion, to determine if Customer is using the Customer Home Page or the SNET Services for commercial purposes), including, without limitation, (a) offering for sale any products or services, (b) soliciting for advertisers or sponsors, (c) displaying a sponsorship or advertising banner of any kind, including those that are generated by banner or link exchange services, (d) displaying banners for services that provide cash or cash-equivalent prizes to users in exchange for hyperlinks to their Home Page, (e) promoting or soliciting for participation in multi-level marketing or pyramid schemes, and (f) conducting sweepstakes or contests of any kind; (vi) Customer will not use the Customer Home Page or the SNET Services to post, transmit, display, distribute or promote material that exploits children under eighteen (18) years of age; (vii) Customer will not use the Customer Home Page or the SNET Services to post, transmit, display, distribute or promote material of any kind which constitutes requests for money, petitions for signature, or chain letters; (viii) Customer will not develop restricted or password-only access pages, or hidden pages or images (those not linked to from another accessible page); (ix) Customer will not use the Customer Home Page or the SNET Services as storage for remote loading or as a door or signpost to another server; (x) Customer will not develop pages on the Customer Home Page that consist of hyperlinks to content or materials of any kind in violation of the rules contained in this Article 4.0; (xi) Customer will not restrict or inhibit any other user from using and enjoying the user's Customer Home Page or the SNET Services; (xii) Customer will not use the Customer Home Page or the SNET Services to post, transmit, display, distribute or promote material of any kind that contains a virus or other harmful component; and (xiii) Customer will not use the Customer Home Page or the SNET Services to post, transmit, display, distribute or promote information or material of any kind that constitutes or contains false or misleading indications of origin or statements of fact.

5.0 CUSTOMER WARRANTIES.

Customer represents and warrants that: (i) Customer owns, possesses or controls all right, title and interest to the Customer Materials; (ii) Customer has the full and unrestricted right to enter into this Agreement and Customer has and shall maintain all rights in and to the Customer Materials that are necessary to grant to SNET the rights granted in this Agreement; (iii) the Customer Materials are true and accurate and do not and will not contain any misrepresentations of fact; (iv) the reproduction, licensing, use, publication, distribution, transmission, broadcast, or public exhibition, display, performance or digital performance of the Customer Materials as authorized herein, and all other use thereof in accordance with this Agreement, does not and will not, (a) violate or infringe the civil, contract or property rights, copyrights, trademark rights, rights of privacy or publicity, or other rights of any person or entity, (b) constitute false or misleading indications of origin; (c) slander, libel or defame any person or entity; (d) cause injury of any kind to any person or entity; or (e) violate any applicable laws, rules, regulations or other governmental regulations; (v) Customer is at least eighteen (18) years old; (v) Customer has, and shall maintain, from the Effective Date of this Agreement through the termination or expiration of this Agreement, a valid SNET Internet account registered in Customer's name; and (vi) this Agreement has been duly and validly executed and delivered by Customer and constitutes the valid and binding agreement of Customer, enforceable against Customer in accordance with its terms.

6.0 CUSTOMER INDEMNITY.

Customer hereby agrees to defend, indemnify and hold harmless SNET, its subsidiaries and affiliates, its directors, officers, employees, information providers, agents, licensors and licensees, and defend any action brought against same with respect to any and all costs, claims, demands, liabilities, losses, damages, judgments, settlements, costs and expenses (including attorneys' fees), asserted by a third party, arising out of or in connection with the Customer Materials, Customer's operation of the Customer Home Page or any other acts by Customer in connection with Customer's use of the SNET Services and the SNET Proprietary Materials, including, without limitation: (i) any claim which if true, would constitute a breach of any of Customer's representations, warranties, covenants or agreements hereunder; (ii) claims arising from the negligence or willful misconduct of Customer; (iii) any actual or alleged infringement or violation of any patent, trademark, trade name, copyright, trade secret, license or any other third party contract or other right (including, but not limited to, misappropriation of trade secrets or violation of the right of publicity or privacy); (iv) claims for bodily injury (including death) and property damage; and (v) any claim for payment of compensation or salary asserted by an employee, subcontractor, agent or licensor of Customer. Notwithstanding SNET's foregoing rights in this Article 6.0, SNET reserves for itself, at its own option, the exclusive right to settle, compromise and pay any and all claims, demands, proceedings, suits, actions or causes of actions which are brought against SNET herein under the terms and provisions of this Article 6.0 and Customer shall in no event settle any such action without SNET's prior written consent. This entire Article 6.0 shall survive any expiration or termination of this Agreement.

7.0 CUSTOMER MATERIALS.

Customer acknowledges that Customer is solely responsible for the Customer Materials and that SNET has no obligation under this Agreement for monitoring or verifying any information or materials included as part of the Customer Materials. Notwithstanding the preceding sentence, SNET reserves the right at all times to disclose any Customer Materials, in whole or in part, as necessary to satisfy any law, regulation or government request, or to edit, or remove any Customer Materials, in whole or in part, that in the sole and exclusive discretion of SNET, are objectionable or in violation of this Agreement. SNET reserves the right to remove the Customer Home Page from the SNET Servers if the Customer Home Page, in whole or in part, in the sole and exclusive discretion of SNET, is objectionable or in violation of this Agreement.

8.0 THIRD PARTY LINKS.

SNET shall provide Customer a list of links to third party Web sites that contain proprietary images, artwork, copy, information, data, knowledge or other material of any kind ("Third Party Links"). The Third Party Links are located on the SNET Internet Personal Home Page Web Site. SNET reserves the right to modify, remove, or add to the list of Third Party Links available to Customer at any time for any or no reason. Third Party Links to such other third party Web sites maintained by third parties, do not constitute an endorsement by SNET or any of SNET's subsidiaries or affiliates of any third party Web site or any of the content or materials contained therein. SNET is not responsible for the availability of these third party resources, or their material or content. Customer is entirely responsible for obtaining the necessary rights and licenses to use any and all material or content obtained from such third party Web sites.

9.0 TERM AND TERMINATION.

9.1 Term. The Agreement shall commence as of the Effective Date and shall be effective until terminated as provided herein.

9.2 Termination. SNET may terminate the Agreement at any time and for any reason by notifying Customer of such termination, and such termination will take effect immediately. Customer may terminate this Agreement by providing SNET thirty (30) days prior written notice of such termination, such termination shall be effective at the expiration of such thirty (30) day period. Customer shall remain liable for all charges for SNET Services until such termination is effective.

9.3 Reassignment of Customer Uniform Resource Locator. Upon termination of this Agreement, SNET shall have the sole and exclusive right to reassign the Customer Uniform Resource Locator.

9.4 Termination of Agreement. Upon the termination of this Agreement, all rights of Customer under the SNET License granted hereunder shall terminate and automatically revert to SNET and Customer shall immediately discontinue the use of the SNET Proprietary Materials and thereafter shall no longer use or have the right to use the SNET Proprietary Materials or any variation or simulation thereof, or any word or trademark similar hereto, or to (directly or indirectly) develop, create, market, distribute, sell, license or sublicense, or advertise any products and/or services in connection with the SNET Proprietary Materials. Upon the termination or expiration of this Agreement Customer shall provide SNET with written certification that the Customer has destroyed any and all material upon which SNET Proprietary Materials are affixed or used. Customer acknowledges that Customer's failure to cease the use of the SNET Proprietary Materials upon termination or expiration of this Agreement shall result in immediate and irremediable damage to SNET. Customer acknowledges and admits that there is no adequate remedy at law for such failure, and agrees that in the event of such failure, SNET shall be entitled to equitable relief by way of temporary and permanent injunction and such other and further relief as any court with jurisdiction may deem just and proper.

10.0 DISCLAIMER OF WARRANTIES. THE SNET PROPRIETARY MATERIALS AND THE SNET SERVICES ARE PROVIDED "AS IS." TO THE FULLEST EXTENT PERMISSIBLE BY LAW, SNET AND ITS SUBSIDIARIES AND AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE SNET PROPRIETARY MATERIALS OR THE SNET SERVICES OR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE USE OF THE SNET PROPRIETARY MATERIALS OR THE SNET SERVICES, FURTHER, SNET AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. SNET DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SNET PROPRIETARY MATERIALS OR THE SNET SERVICES OR OTHER CONTENT OR MATERIALS CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SNET PROPRIETARY MATERIALS OR THE SNET SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONETS. SNET AND ITS SUBSIDIARIES AND AFFILIATES MAKE NO WARRANTIES AND SHALL NOT BE LIABLE FOR THE USE OF THE SNET PROPRIETARY MATERIALS OR THE SNET SERVICES AND ANY ERRORS CONTAINED THEREIN UNDER ANY DIRECT OR INDIRECT CIRCUMSTANCES, INCLUDING BUT NOT LIMITED, TO SNET'S NEGLIGENCE.

11.0 LIMITATION OF LIABILITY. UNDER NO CIRCUMSTANCES SHALL SNET OR ITS SUBSIDIARIES OR AFFILIATES BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT ARE DIRECTLY OR INDIRECTLY RELATED TO THE USE OF, OR THE INABILITY TO USE, THE SNET PROPRIETARY MATERIALS OR THE SNET SERVICES, EVEN IF SNET OR ITS SUBSIDIARIES OR AFFILIATES OR AN AUTHORIZED REPRESENTATIVE THEREOF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION OF LIABILITY SHALL NOT APPLY TO LIABILITY FOR DEATH OR PERSONAL INJURY TO THE EXTENT APPLICABLE LAW PROHIBITS SUCH LIMITATION. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL SNET OR ITS SUBSIDIARIES OR AFFILIATES TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE) EXCEED $100.00.

12.0 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF CONNECTICUT, WITHOUT REGARD TO CONFLICTS OF LAWS PROVISIONS. SOLE AND EXCLUSIVE JURISDICTION FOR ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THIS AGREEMENT SHALL BE AN APPROPRIATE STATE OR FEDERAL COURT LOCATED IN THE STATE OF CONNECTICUT.

13.0 TRANSMISSIONS. Customer acknowledges and agrees that transmissions to and from the Customer Home Page are not confidential and such transmissions may be read or intercepted by others.

14.0 AGREEMENT. SNET reserves the right, at its sole discretion, to modify, add or remove any portion of this Agreement, in whole or in part, at any time. Notification of changes in the Agreement will be posted at HTTP://PHP.CTHOME.NET/LEGAL/CHANGES.ASP.

15.0 SNET INTERNET HOME PAGE WEB SITE AGREEMENT. All visitors to the SNET Internet Home Page Web Site are subject to the terms and conditions contained in the SNET Internet Personal Home Page Web Site Agreement located at HTTP://PHP.CTHOME/LEGAL/SITE_AGREEMENT.ASP. In the event of any inconsistency or conflict between this Agreement and the SNET Internet Home Page Web Site Agreement, the terms, conditions and provisions of this Agreement shall govern and control.

16.0 FEES AND PAYMENT. Regardless of whether or not Customer uses any or none of the SNET Services, SNET will charge Customer standard monthly fees. Any and all charges will appear either on Customer's monthly credit card statement or on Customer's monthly telephone bill. SNET charges which appear on Customer's telephone bill will become due and payable within the same timeframe as other charges listed on Customer's telephone bill. Customer agrees to pay to SNET any current charges appearing on Customer's telephone bills as they relate to the SNET Services. SNET Services charges may vary from time to time. SNET reserves the right to change its fees at any time for any or no reason, provided, however, that whenever possible, SNET will give Customer reasonable notice of such change. From time to time, SNET may add or modify certain services related to the SNET Services, and SNET reserves the right to charge Customer additional or different fees in consideration for providing such new or modified services to Customer. Customer will also be liable for all attorney and collection fees arising from efforts to collect any unpaid balances on Customer's account.

17.0 MISCELLANEOUS. This Agreement constitutes the entire agreement between the Parties with respect to the subject matter hereof and there are no representations, understandings or agreements that are not fully expressed in this Agreement. Except for the payment of any monies due, if the performance of any part of this Agreement by either party is prevented, hindered, delayed or otherwise made impracticable by reason of any flood, riot, fire, judicial or governmental action, labor disputes, act of God or any other causes beyond the control of either party, that party shall be excused from such to the extent that it is prevented, hindered or delayed by such causes. Customer shall not assign, without the prior written consent of SNET, its rights, duties or obligations under this Agreement to any person or entity, in whole or in part, whether by assignment, merger, transfer of assets, sale of stock, operation of law or otherwise, and any attempt to do so shall be deemed a material breach of this Agreement. Any notice provided pursuant to this Agreement, if specified to be in writing, shall be in writing and shall be deemed given when sent via e-mail to phplegal@snet.net in the case of notices to SNET and to the e-mail address of Customer in the case of notices to Customer. No confidential, fiduciary, contractually implied or other relationship is created between Customer and SNET other than pursuant to this Agreement. The failure of SNET to partially or fully exercise any right or the waiver by SNET of any breach, shall not prevent a subsequent exercise of such right or be deemed a waiver of any subsequent breach of the same or any other term of this Agreement. Any cause of action Customer may have with respect to the SNET Services must be commenced within one (1) year after the claim or cause of action arises. If any provision of this Agreement is determined to be invalid under any applicable statue or rule of law, it is to that extent to be deemed omitted, and the balance of the Agreement shall remain enforceable.