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This Referral Income Program & AdSpace Income Program Agreement ("Agreement") of your Referral Income Program and/or AdSpace Income Program is made by and between:

ISGincome Group USA, Inc.;

ISGstores Group USA, Inc.;

ISGbids Bids Group, Inc.;

ISG Charity Bids Group, Inc.; and

ISGincome
(all collectively hereinafter referred to as "ISGincome" or "ISG" or "ISG Group")

and

You
(hereinafter referred to as "You", "Your", or the "Referral Agent", and/or "AdSpace Agent", and/or "Agent", referring to the name listed in your Application).

1. INTRODUCTION ABOUT & PURPOSE OF REFERRAL INCOME PROGRAM

(i) WHEREAS, ISGincome Group of companies offer various products and services for sale retail and wholesale or at discount prices to the public via direct selling and through the Internet, and offers a club membership program to anyone who wants to join the ISGincome Membership Income Programs to earn money;

(ii) WHEREAS, ISGincome Group of companies offers for sale advertising space for companies who want to advertise on any ISG Group Companies websites;

(iii) WHEREAS, This Agreement applies to Referral Agent and AdSpace Agent;

(iv) WHEREAS, You want to become a commission-based Referral Agent and/or AdSpace Agent and desires to either refer others to join an ISGincome Membership Income Program and/or sell advertising space on one or several of the ISG Group of Companies websites and receive a commission or commissions for each successful sign up of a new Member who remains in the Membership Income Program or vendor/advertiser who purchases advertising space to place an advertisement on one or several of the ISG Group Companies websites, as provided for below;

(v) WHEREAS, This "Membership Income Program" exists for the purpose of operating a club membership by getting people together to help build a network of specifically focused Internet Store websites, Informational websites, and Penny Auction websites ("network"), by having the Members pay a Membership Fee to join in exchange for a monthly residual and/or earn a commission or commissions by referring others to join the Membership and/or sell advertising space, which Members can derive a personal, financial gain/benefit;

(vi) WHEREAS, Members of the ISGincome Membership Income Program, Referral Agents and AdSpace Agents do not own any ownership or percentage of ownership of any ISG Group Companies network, Internet Store websites, the Informational websites, Penny Auction websites, or of any ISG Group affiliated Company;

(vii) WHEREAS, The Members can join as many Membership as the desire and will receive from ISGincome a flat, monthly payment per Membership Agreement for helping to build this network - one (1) Membership Agreement per $300.00 Membership Fee;

(viii) WHEREAS, The Member or person who is registering and paying a Membership Fee to become a Member, is required to read the entire content of the Membership Income Program Rules (terms and conditions) ("Agreement) first, before they pay their Membership Fee for any ISGincome Membership Income Program, and once they have read this Membership Agreement and pay their Membership Fee, they are automatically stating that they have read these Rules, understand what they have read, agree to the terms and conditions as stated in the Rules and Agreement, and voluntarily join the Membership Income Program, and agree to abide by and agree to the Membership Rules;

(ix) WHEREAS, The Referral Agent and AdSpace Agent, is required to read the entire content of the Referral Agent and AdSpace Agent Rules (terms and conditions) and Agreement and the Membership Income Program Rules (terms and conditions) and Agreement and familiarize themselves on how the programs operate, first, before they agree to become a Referral Agent or AdSpace Agent;

(x) WHEREAS, upon submitting their Application they are automatically stating that they have read these Rules, understand what they have read, agree to the terms and conditions as stated in the Rules and Agreement, and voluntarily join the Referral Agent and AdSpace Agent Income Program, and agree to abide by and agree to the Rules and Agreement;

(xi) WHEREAS, the Rules (terms and conditions) may state the same terms and conditions repeatedly throughout this Membership Income Agreement and Agreement, in different paragraphs and is purposely done so to emphasize the importance of that terms and condition. Redundancy is incorporated herein (repeating the same thing over and over) and is purposely written in below.

(xii) NOW THEREFORE, it is agreed as follows:

2. DEFINITIONS

(i) The terms, words and names "ISG" or "ISG Group", "ISG Group of companies", "ISG Group Companies", "ISGincome", "ISGincome Group", the "network", the "website network", "ISGincome Internet Store websites", "The Internet Store Group", "ISGincome Group USA, Inc.", "ISGstores Group USA, Inc."; "ISGbids Bids Group, Inc."; "ISG Charity Bids Group, Inc."; "ISG Membership Income Program"; "ISG Membership Program", "Membership Income Program"; "Membership Program"; and "ISG", shall refer collectively to and mean: "ISGincome", "ISGincome Group", the "network", the "website network", "ISGincome Internet Store websites", "The Internet Store Group", "ISGincome Group USA, Inc.", "ISGstores Group USA, Inc."; "ISGbids Bids Group, Inc."; "ISG Charity Bids Group, Inc."; "ISG Membership Income Program"; "ISG Membership Program", "Membership Income Program"; "Membership Program"; and "ISG", when not otherwise specifically stated.

(ii) The terms or words "Agreement", "Referral Agent Income Agreement", "AdSpace Agent Agreement", "AdSpace Sales Agent Agreement", "Agent Agreement", shall refer to and mean the same as the this "Referral Agent and AdSpace Income Program Agreement & Rules".

(iii) The terms or words "website" or "websites" shall refer to and mean "Internet Store websites", "Informational websites and/or Penny Auction websites.

(iv) The terms or words "You", "Your", "Referral Agent", "AdSpace Agent", "Agent", "AdSpace Sales Agent" refers to the person whose name is indicated above in the Referral Agent Income Program Application or the AdSpace Agent Income Program Application.

(v) The terms or word "Referral" shall only mean and refer to a person whom the Referral Agent referred to ISGincome Membership Income Programs for the purpose of joining a Membership Income Program.

(vi) The term or word "Referral Agent Income Agreement", "Referral Agent Income Program Agreement", "Referral Agent Income Program Agreement", "AdSpace Agent Income Agreement", "AdSpace Agent Income Program Agreement", "AdSpace Agent Income Program Agreement", or "Agreement" or "Income Program Agreement" shall mean and refer to this Referral Agent and AdSpace Agent Income Program Agreement.

(vii) The term or word "Program" or "Programs" Membership Income Program", Membership Income Programs", "Commission Program", "Commission Programs", "Commission Income Program", "Commission Income Programs", "Referral Agent Income Program", "AdSpace Agent Income Program", " shall mean and refer to the all Income Programs whether they are a Membership Income Program where an automatic, monthly payment is made to the Member or Referral Agent Income Program or a AdSpace Agent Income Program where the Agents are paid on commissions.

(viii) The term or word "Rules" shall only mean and refer to terms and conditions of the program you are joining.

(ix) The terms or words "Referral Fee", "Referral Fees", "Sales Commission", Sales Commissions", and Commissions" shall refer and mean either a Referral Fee earned by a Referral Agent who successfully had someone join and ISGincome Membership Income Program and paid their Membership Fee and did not cancel their contract/agreement within the cancellation period or a Commission paid to an AdSpace Agent for successful sale of advertising space on an ISG Group Companies websites, and the term "Referral Fee" can also mean "Commission" if it is stated and applied in a clause/provision in this Agreement when indicating a referral to a Referral Agent and getting paid for referring others.

(x) Where there is no definition or interpretation for a word or phrase used herein, the natural and acceptable definition will apply, or a court of competent jurisdiction can apply and define based on this Agreement the interpretation and meaning of that word as it relates to the intended purpose of this Agreement and the intentions of the parties.

3. TERM (LENTH OF TIME OF THIS AGREEMENT)

(i) This Agreement shall commence upon the Effective Date of your approval to become a Referral Agent and/or AdSpace Agent.

(ii) You will be notified by e-mail to the e-mail address you put on your Application.

(iii) Your Agent Income Program Agreement does not expire - it will continue until such time as either you or ISGincome cancels/terminates your Agreement and business relationship.

4. RESPONSIBILITIES, OBLIGATIONS, AND APPLICATION OF RULES

(i) The below are the Rules of the ISGincome Membership Income Program. These Rules apply to all of the ISGincome Membership and General Commission Income Programs. These Rules are written in plain English for ease of reading and understanding. Upon joining any ISGincome Membership Income Program and paying your Membership Fee or joining the Commission Income Programs, you agree to adhere, abide and be bound and subject to these Rules. You further understand, acknowledge and agree as follows:

(ii) This Agreement states the obligations and responsibilities that ISG Group has to you, and the obligations and responsibilities that you have to ISGincome and the Membership.

(iii) The Rules are the "terms and conditions" of all Membership Income Programs and Referral Agent Income Programs and AdSpace Agent Income Programs offered by the companies listed in this Membership Agreement and applies to ALL Members and Agents.

5. CONFIDENTIALITY

(i) During the course of this business relationship and Agreement, it may be necessary for any one or all of the ISG Group Companies to share proprietary information, including trade secrets, industry knowledge, and other confidential information to the Agent in order for the Agent to seek out potential Referrals and/or potential advertisers.

(ii) Agent agrees that this confidential information is proprietary to the operation of one or all of the ISG Group Companies and any confidential information disclosed to another party may financially and reputationally, irrevocably harm, damage and injure any one or all of the ISG Group Companies, and as such, the Agent agrees not share any of this proprietary information at any time with another third party, and the Agent also will not use any of this proprietary information for his/her personal benefit at any time unless authorized to do so in writing by an authorized representative of an ISG Group Company, but may seek personal, financial gain and benefit as provided for in this Agreement.

(iii) This provision remains in full force and effect even after termination of this of the relationship between You and any one or all of the ISG Group Companies and this Agreement by its natural termination or the early termination by either any one of the ISG Group Companies or the Agent.

6. TERMINATION AND REFERRAL FEES / COMMISSIONS DUE AND PAYABLE

(i) Termination. This Agreement may be terminated at any time by either the Agent or by ISGincome or one of its ISG Group Companies upon thirty (30) days notice to the other with exception to section (iv) below, and upon termination, ISGincome shall pay the Agent all compensation due and owing for referrals and/or sales made prior to the date of termination but not yet paid.

(ii) Due and Payable Referral Fees & Commissions. In the event Agent and/or ISGincome terminates this Agent Income Agreement, only those Referral Fees and Commissions due prior to the date of termination shall be due and payable to Agent, and no future Referral Fees and Commissions shall be due to the Agent that would have been paid to the Referral Agent on monthly commissions from monthly payments made to Referrals had the Referral Agent not terminated.

(iii) No Referral Fees and Commissions. No Referral Fees and Commission will be paid on the monthly income paid to Referrals after termination of this Agreement.

(iv) Termination at Anytime Due to Fraud. To protect ISGincome and the ISG Group Companies, ISGincome may terminate this Agent Agreement at any time upon immediate notice in the event that ISGincome is of the opinion that the Referral Agent and/or AdSpace Agreement has committed fraud by using fraudulent means or used deceptive practices in attempting to get others to join any ISGincome Membership Income Program or the sale of advertising space.

7. TO BECOME A REFERRAL AGENT AND/OR ADSPACE AGENT

(i) The person who desires to become a Referral Agent and/or AdSpace Agent must complete the Referral Agent & AdSpace Agent Income Program Application, read the Rules (terms and conditions herein) of both the Membership Income Program Agreement & Rules and the Referral Agent & AdSpace Agent Agreement & Rules (terms and conditions), and become familiar with them. No fee is charged to Referral Agent or the AdSpace Agent to join the ISGincome Referral Income Program and the AdSpace Agent Income Program.

(ii) Upon receipt of the completed Agent Application, ISGincome will e-mail you a "Welcome Package" with your Agent Identification Number within 24 hours.

8. REFERRAL AGENT INCOME PROGRAM COMPENSATION PLAN

(i) There is no Membership Fee charged to you for you to join the Referral Agent Income Program, and you do not have to be a Member any of the ISGincome Membership Income Programs to refer others to sign up and join - but you do have to sign up for this Income Program.

(ii) The Agent may, from time to time, refer potential Members to this Membership Income Program, and ISGincome will pay the Agent a Referral Fee (commission) if the Potential Member remains a Member for a certain period of time as provided for in this Agreement.

(iii) This is not a multi-level, referral-networking marketing, or pyramid program of any type. You can earn additional income not only by getting others to join directly. What this means is that this is one (1) level "Referral" program only. If your Referral gets others to join, you do get a commission. You are only entitled to a referral payment from a person you directly referred to ISGincome to join a Membership Income Program, and they have to join and pay their Membership Fee in full and remain a Member for more than thirty five (35) days before you can get paid on that referral. There are no second, third or fourth levels. One direct referral each - ONLY!

(iv) FOR ALL PROGRAMS: PayPal May Charge You Fees When ISGincome Pays You: When ISGincome pays you through PayPal to your PayPal Account, PayPal may charge you a fee for the transaction, which is not the responsibility of ISGincome or any ISG Group Company. You will be paid your payment(s) when due by ISGincome, less any PayPal transaction fees/charge. ISGincome will pay the full amount due to your PayPal Account.

(a) If You ARE A Current, Paid Member of An ISGincome Membership Income Program:

(i) If you joined an ISGincome Membership Program and paid your Membership Fee you qualify for the following Referral Agent Income Program Compensation Plan:

(a) After your Referral signs up, joins and pays their Membership Fee, you will receive a commission payment at the same time your Referral gets their first, monthly payment from ISGincome as follows:

(i) Using a Membership Fee of $300.00, if you get a friend to join, ISGincome will pay you a one-time payment of twenty percent (20%) commission of their $300.00 Membership Fee, and an additional twenty percent (20%) commission each month of their $75.00 monthly payment, per their Membership Agreement, as long as they are a Member in that particular Membership Income Program. This comes to $60.00 one-time Referral (commission) Fee on their $300.00 Membership Fee and then $15.00 per month on their $75.00 monthly payment to them from ISGincome. It gets better...

(ii) For every successful seven (7) new Referrals who sign up, join, and pay their Membership Fee, and do not cancel within the cancellation period, ISGincome will give you a credit of $300.00 to pay for an additional $300.00 ISGincome Membership Income Program for yourself and earn an additional $75.00 per month! In simple terms... Each time you refer seven (7) new Member referrals, you get an additional credit of $300.00 for a Membership Income Program for yourself and another $75.00 per month (per group of seven (7) new, quailed Referrals. This $300.00 credit is not redeemable for cash - it can only be used to pay for a Membership Income Program.

(iii) Your Referral Fee (commission) will be sent to you at the same time your referral's first monthly payment starts. In the event that their Membership Income Program cancels and terminates either by you, your Referral, or ISGincome, you will no longer be entitled to receive Referral Fees and commissions from that referral. In the event they cancel and rescind their Membership Agreement within the first thirty (30) days from the date they joined and paid their Membership Fee (the rescission/cancellation period), you will not be entitled to a referral/commission payment on the referral.

(b) If You ARE NOT A Current, Paid Member of An ISGincome Membership Income Program:

(i) If you did not join any ISGincome Membership Income Program and you joined this Referral Agent Income Program, ISGincome pays Referral Fees and Commissions as follows:

(a) After your Referral signs up, joins and pays their Membership Fee, you will receive a commission payment at the same time your Referral gets their first, monthly payment from ISGincome as follows:

(i) Using a Membership Fee of $300.00, if you get a friend to join, ISGincome will pay you a one-time fifteen percent (15%) commission of their $300.00 Membership Fee, and an additional, monthly fifteen percent (15%) commission of their $75.00 monthly payment per their Membership Agreement, as long as they are a Member in that particular Membership Income Program. This comes to $45.00 one-time Referral Fee (commission) on their $300.00 Membership Fee and then $11.25 per month on their $75.00 monthly payment to them from ISGincome. It gets better...

(ii) For every successful twelve (12) new Referrals who sign up, join, and pay their Membership Fee, and do not cancel within the cancellation period, ISGincome will give you a credit of $300.00 to pay for an additional $300.00 ISGincome Membership Income Program for yourself and earn an additional $75.00 per month! In simple terms... Each time you refer seven (7) new Member referrals, you get an additional credit of $300.00 for a Membership Income Program for yourself and another $75.00 per month (per group of twelve (12) new, quailed Referrals. This $300.00 credit is not redeemable for cash - it can only be used to pay for a Membership Income Program. The Referrals can be seven (7) different, new, qualified referral or one person joining and seven (7) new Memberships at one (1) time.

(iii) Your Referral Fee (commission) will be sent to you at the same time your referral's first monthly payment starts. In the event that their Membership Income Program cancels and terminates either by you, your Referral, or ISGincome, you will no longer be entitled to receive Referral Fees and commissions from that referral. In the event they cancel and rescind their Membership Agreement within the first thirty (30) days from the date they joined and paid their Membership Fee (the rescission/cancellation period), you will not be entitled to a referral/commission payment on the referral.

(iv) Once you become a paid Member through the $300.00 credit or paid your own Membership Fee of $300.00 for joining a Membership Income Program, your Referral Fees increase to twenty percent (20%).

9. ADSPACE AGENT INCOME PROGRAM COMPENSATION PLAN

(i) There is no Membership Fee charged to you for you to join the AdSpace Agent Income Program, and you do not have to be a Member any of the ISGincome Membership Income Programs to become an AdSpace Agent to sell advertising space for the ISG Group Companies - but you do have to sign up for this Income Program.

(ii) This is not a multi-level, referral-networking marketing, or pyramid program of any type. You earn commissions by directly selling advertising space on ISGincome Group Companies websites to businesses, and the advertiser has to remain advertising on one of an ISG Group Companies websites for no less than thirty five (35) days before you can get paid on that sale.

(iii) FOR ALL PROGRAMS: PayPal May Charge You Fees When ISGincome Pays You: When ISGincome pays you through PayPal to your PayPal Account, PayPal may charge you a fee for the transaction, which is not the responsibility of ISGincome or any ISG Group Company. You will be paid your payment(s) when due by ISGincome, less any PayPal transaction fees/charge. ISGincome will pay the full amount due to your PayPal Account.

(A) The AdSpace Compensation Plan:

(i) If You ARE A Current, Paid Member of An ISGincome Membership Income Program:

(a) If you joined an ISGincome Membership Program and paid your Membership Fee you qualify for the following AdSpace Agent Income Program Compensation Plan:

(b) You will be paid a flat-rate commission of twenty-five percent (25%) of the gross amount paid on the invoice of each ad placed on an ISG Group Companies website thirty-five (35) days after the Advertiser paid their invoice in-full, where the advertising remains on the website for a minimum of thirty-five (35) days from the Advertiser pays the invoice in-full.

(c) After your advertiser pays for their ad and it is placed on an ISG Group Companies website you will receive a commission payment in the manner as provided for in this Agreement.

(d) For every successful seven (7) new advertising spaces sold and paid for in-full by the advertiser, ISGincome will give you a credit of $300.00, and with that credit you can choose and pay for an additional $300.00 ISGincome Membership Income Program for yourself and earn an additional $75.00 per month! In simple terms... Each time you sell seven (7) ads and the advertiser pays for them in full, you get an additional credit of $300.00 for a Membership Income Program for yourself and another $75.00 per month (per group of seven (7) new, quailed advertising space sales. The advertising spaces can be sold to seven (7) different advertisers or seven (7) ads to one (1) advertiser. This $300.00 credit is not redeemable for cash - it can only be used to pay for a Membership Income Program.

(B) If You ARE NOT A Current, Paid Member of An ISGincome Membership Income Program:

(a) If you have not joined an ISGincome Membership Program and had not paid your Membership Fee you qualify for the following AdSpace Agent Income Program Compensation Plan:

(b) You will be paid a flat-rate commission of twenty-five fifteen percent (15%) of the gross amount paid on the invoice of each ad placed on an ISG Group Companies website thirty-five (35) days after the Advertiser paid their invoice in-full, where the advertising remains on the website for a minimum of thirty-five (35) days from the Advertiser pays the invoice in-full.

(c) After your advertiser pays for their ad and it is placed on an ISG Group Companies website you will receive a commission payment in the manner as provided for in this Agreement.

(d) For every successful twelve (12) new advertising spaces sold and paid for in-full by the advertiser, ISGincome will give you a credit of $300.00, and with that credit you can choose and pay for an additional $300.00 ISGincome Membership Income Program for yourself and earn an additional $75.00 per month! In simple terms... Each time you sell twelve (12) ads and the advertiser pays for them in full, you get an additional credit of $300.00 for a Membership Income Program for yourself and another $75.00 per month per group of twelve (12) new, quailed advertising space sales. The advertising spaces can be sold to twelve (12) different advertisers or twelve (12) ads to one (1) advertiser. This $300.00 credit is not redeemable for cash - it can only be used to pay for a Membership Income Program.

(d) Once you become a paid Member through the $300.00 credit or paid your own Membership Fee of $300.00 for joining a Membership Income Program, your AdSpace sales commissions will increase to twenty-five percent (25%), and you will only have to get seven (7) new, quailed advertising space sales to qualified to get the additional credit of $300.00 for another Membership Income Program for yourself and another $75.00 per month. The advertising spaces can be sold to seven (7) different advertisers or seven (7) ads to one (1) advertiser. This $300.00 credit is not redeemable for cash - it can only be used to pay for a Membership Income Program.

10. INDEMNITY

(i) The Agent and ISG Group Companies agree to indemnify and hold harmless the other, its respective employees, officers, affiliates, agents, and permitted successors and assigns against any and all claims, losses, damages, liabilities, penalties, punitive damages, expenses, reasonable attorneys fees and costs of any kind or amount whatsoever, which result from the negligence of or breach of this Agent Income Agreement by the indemnifying part, its respective successors and assigns that occurs in connection with this Agent Income Agreement.

(ii) This section remains in full force and effect even after termination of this Agent Income Agreement its forced or natural termination or early termination by either Agent or ISGincome.

11. REPRESENTATIONS

(i) Agent and ISG Group Companies represents that they are fully authorized to enter into this Referral Agent and AdSpace Agent Income Agreement.

(ii) The performance by either party will not violate or infringe upon the rights of any third-party or violate any other agreement between the parties, individually, and any other person, corporation, organization, or business or any law or government regulation.

12. LIMITATION OF LIABILITY

(i) Under no circumstances shall the Agent or ISG Group Companies be liable to the other for any third-party for any damages resulting from any part of this Agreement such as, but not limited to, loss of revenue or anticipated profit or lost business, costs of delay or failure of delivery, which are not related to or the direct result of any party's negligence.

13. DISCLAIMER OF WARRANTIES

(i) Referral Agent shall refer potential Members as required by ISGincome.

(ii) AdSpace Agent shall sell advertising space.

(iii) Referral Agent and AdSpace Agent do not warrant or represent that such Referrals or sales of advertising space will create any additional profits, sales, exposure, brand recognition, or the like except that which will naturally occur during the course of acceptable business practices.

(iv) Referral Agent and AdSpace Agent have no responsibility to ISGincome if a Referral or potential advertising space sales lead does not lead to ISGincome's desired result.

14. SEVERABILITY CLAUSE

(i) In the event that a court of competent jurisdiction finds any term or clause in this Agreement to be invalid, unenforceable, or illegal, the same will not have an impact on other terms or clauses in this Agreement or the entire Agreement.

(ii) Such a term or clause may be revised to the extent required according to the opinion of the court to render the Agreement enforceable or valid, and the rights and responsibilities of the parties shall be interpreted and enforced accordingly, so as to preserve their agreement and the original intent to the fullest possible extent.

15. LEGAL AND BINDING AGREEMENT

(i) This Agreement is legal and binding between the Referral Agent and AdSpace Agent and ISG Group Companies.

(ii) This Agreement may be entered into and is legal and binding both in the United States and Internationally.

(iii) The Referral Agent and AdSpace Agent and ISGincome each represent that they have the authority to enter into this Agreement.

16. ISGINCOME RESERVES RIGHT TO CLOSE-DOWN, SELL, OR TERMINATE ANY WEBSITE AND RELATED COMPANY

(i) There are some situations where ISGincome, ISGstores, and ISG Group Companies and their websites either fail to perform on their financial expectations or they find that they need to sell an Internet Store, Informational website or Penny auction website, and/or related company. In this event, ISG Group Companies reserve the sole and exclusive right to close-down and/or terminate and/or suspend or sell any of its related websites and/or any of its related companies, Domain Names(s), and other components used for the ISGincome Membership Income Programs, and any and all Membership Income Programs, at anytime, whatsoever, without requiring the consent of any ISGincome Members (You).

(ii) However, in the event ISGincome or any one of its ISG Group Companies closes-down or sells a website, related Domain Name and/or its related company, that a Member is assigned to, that Member will still make money or receive a "Membership Buy-Out Fee", as provided for in the Membership Income Agreement. See Membership Rules & Agreement.

17. CHANGES, MODIFICATIONS, ALTERATIONS

(i) Changes, Modifications & Updates To Rules And ISGincome Programs: ISGincome cannot make a contingency plan or a term and condition for each and every situation that may arise which may be unique to the ISGincome Membership Income Programs that ISGincome has no control over.

(ii) Because of this, there may be situations and circumstances that ISGincome has not encountered nor prepared for, but would like to be able to plan for them in the future or correct them for the good benefit and in the best interest of all Members in the ISGincome Membership Income Programs and to protect the interests of the ISG Group Companies.

(iii) ISGincome reserves the right to modify, change, alter, add, delete, cancel or terminate any ISGincome Program, or add modify, change, alter, add, delete, cancel or terminate rules, terms and conditions and the way the ISGincome Membership Income Program(s) and the Referral Agent Income Program(s) and AdSpace Agent Income Program(s) operate or Products(s) or Service(s) are sold, at any time, whatsoever.

18. ARBITRATION OF ALL CLAIMS, & DISPUTES, LITIGATION & VENUE

(i) Claims, Disputes & Arbitration: ISGincome cannot foresee what legal issues or disputes or changes in federal and state laws may occur affecting its Membership, policies, procedures, rules, terms and conditions.

(ii) There may be instances where a situation or circumstance which is not anticipated or covered in the Membership Rules & Agreement of the Referral Agent and AdSpace Agent Income Program Agreement, or a Member or Agent is not satisfied with the program and whishes to bring legal suit.

(iii) As such, and in the event that a Member or Agent feels he/she should bring a lawsuit or complaint, the following will apply to resolve the issue in controversy:

(a) First, the Member or Agent shall notify ISGincome in writing of the grievance/dispute within ten (10 days of becoming aware of such grievance/dispute.

(b) Once ISGincome Staff have been alerted to a situation regarding a Member or Agent, ISGincome will first try and make every diligent effort and attempt to resolve the grievance/dispute that it become aware of. ISGincome will work with is Member or Agent to amicably resolve the issue and do its best to correct the grievance/dispute. ISGincome will have fifteen (15) days from the date it had received the written grievance/dispute to resolve the grievance/dispute. However, in all events when ISGincome is unable to amicably settle a dispute or other type of matter within the time prescribed, ISGincome reserves the right to refer the matter to arbitration.

(c) In the event you wish to bring a lawsuit against ISGincome or any of its related companies, you agree to first attend and participate in arbitration as required in these Rules above, before you institute a lawsuit.

(d) The arbitration shall consist of one (1) Arbiter. The arbitration will be governed according to the Rules of the State of Florida Courts regarding arbitration in Florida. The arbitration will be governed in accordance by the laws of the State of Florida.

(e) Venue for all disputes through the courts and or arbitration shall be brought in Broward County, Florida.

(f) You will be bound by the decision of the Arbiter as if a Court of competent jurisdiction decided the merits of your claim.

(h) The prevailing party shall be entitled to recover their arbitration and court costs and legal fees and costs from the other party.

19. NOTICES & CHANGES OF ADDRESS & OTHER RELATED INFORMATION

(i) Addresses & Telephone Number Changes: ISGincome will inform you of any change in company street address, telephone numbers, and e-mail address(es) by e-mail and regular United States Postal Service Regular Mail.

(ii) As a participating Member of ISGincome Referral Income Program, you are required to notify ISGincome of any changes in your address, telephone numbers, and e-mail address(es) by e-mail and regular United States Postal Service Regular Mail within five (5) days of such changes.

(iii) Notification of Any Changes in Rules: Form time to time ISGincome will modify, change or alter the rules (terms and conditions) of the Membership. In the event there is a rule change, or any other modification or alteration, ISGincome will inform you in writing by e-mail to the e-mail address you provided ISGincome.

20. REFERRAL AGENT INCOME PROGRAM AGREEMENT NON-TRANSFERRABLE

(i) Upon the death of the Referral Agent or AdSpace Agent, this Referral Agent and AdSpace Income Program Agreement and Agency relationship will cease, cancel and terminate, and any outstanding Referral Fees and AdSpace commissions will be held in escrow for the benefit of the estate of the Agent.

21. SEVERABILITY CLAUSE

(i) In the event that a court of competent jurisdiction finds any term, condition, clause, or provision in this Agreement to be invalid, unenforceable, or illegal, the same will not have an impact on other terms or clauses in the Agreement or the entire Agreement. However, such a term, condition, clause, or provision may be revised to the extent required according to the opinion/order of the court to render the Agreement enforceable or valid, and the rights and responsibilities of the parties shall be interpreted and enforced accordingly, so as to preserve the agreement and intent to the fullest possible extent.

22. CHANGE IN LAW

(i) In the event that any changes in local, state or federal law shall take affect prohibiting the continuation of this Agreement, the Agreement and business relationship will cease and terminate and no Referral Fees (commissions) will be due and payable to you with exception of those due and payable prior to the date of the change in law.

23. FALSE INFORMATION PROVIDED BY REFERRAL AGENT TO ISGINCOME

(i) To protect the integrity of ISGincome and ISG Group Companies, its websites, Members, Agents, Income Programs, affiliates, employees, representatives, and its Staff, in the event ISGincome becomes aware that the Agent has provided false and/or misleading information, or has omitted required information after the information has been requested, will automatically terminate this Agreement.

24. PRIVACY POLICY

(i) Ultimate Privacy Policy...

(a) VERY SIMPLY PUT...YOUR INFORMATION REMAINS SECURE.

(b) NO ONE GETS YOUR INFORMATION.

(c) WE DO NOT... SHARE, TRADE OR SELL YOUR INFORMATION.

(d) COURT ORDER REQUIRED TO GET YOUR INFORMATION.

IT'S THAT SIMPLE - PERIOD!!!

25. ONLY A LIMITED NUMBER OF MEMBERSHIP AVAILABLE

(i) As with all business, there comes a saturation point. There are only a maximum number of Internet Store, Informational, and Penny Auctions websites that can reasonably be built by ISGstores and the ISG Group Companies through ISGincome, and, as such, there are only a limited number of Memberships that are available.

(ii) ISGstores and ISG Group Companies are not looking to offer tens of thousands of Memberships to the public, and will only offer the number of Membership as our network can absorb.

(iii) As the ISG Group Companies network grows, ISGincome will update this website informing the public when ISGincome has reached its maximum Membership limit and that no more Memberships are available.

26. PAYPAL ACCOUNT REQUIRED - YOU PAYMENTS ARE MADE INTO YOU PAYPAL ACCOUNT

(i) All monthly Membership Payments and Referral Agent and AdSpace Agent Fees/Commissions are paid directly into your PayPal Account. If you do not have a PayPal account, you must sign-up for a PayPal account and order their debit card and inform ISGincome of your e-mail address used for your PayPal account or you will not be paid.

27. NO ELECTRONIC BACK OFFICE

(i) At this time, in this Income Program, there is no "Back Office" or "Member Area" in the ISGincome software for you to log into and check your payments. For payment tracking you need to use your PayPal account. In the future, ISGincome may incorporate a Member Software system for Member benefits.

28. ELECTRONIC, VIDEO. MESSAGING, FAX, TELEPHONIC AND OTHER COMMUNICATIONS

You agree that ISG Group Companies may contact you through electronic and telephone messaging, video chat, telephonic communications, and through other communications medium regarding ISG Group Companies programs, benefits, updates, solicitations.

29. USE OF WEBSITE COOKIES

All ISG Group Companies websites use "cookies", and are only used to improve the ISG Group Companies website and are not used to collect personal data of any kind with the exception of how you use the websites, and you agree to accept the cookies when any visiting any of the ISG Group Companies websites when requested to do so.

30. RIGHT TO ACCEPT OR REJECT/DENY APPLICATION

(i) Any one of the ISG Group Companies may accept or reject/deny a Membership Income Program Application and Membership Fee or Referral Agent or AdSpace Sales Agent Application at its sole and exclusive discretion, for any reason whatsoever.

31. COPYRIGHT AND TRADEMARK MATERIAL

All content, site design, logos, and other website material of ISGincome Group; ISGstores Group USA, Inc.; ISGbids Group, Inc.; ISG Charity Bids Group, Inc.; and all other ISG Group Companies are protected under national and International registration, copyright and trademark laws and cannot be duplicated, copied, or used, without the expressed, written permission of ISG Group Companies.

32. FORCE MAJEURE</p>

Neither any ISG Group Companies or their staff, management, employees, representatives and affiliates, shall be liable for any failure or delay in performance of its obligations under this Agreement arising out of or caused, directly or indirectly, by circumstances beyond its reasonable control, including, without limitation, acts of God; sickness and virus of mankind; shutdown of locality due to virus(es); earthquakes; fires; floods; wars; civil or military disturbances; acts of terrorism; sabotage; strikes; epidemics; riots; power failures; computer failure and any such circumstances beyond its reasonable control as may cause interruption, loss or malfunction of utility, transportation, computer (hardware or software) or telephone communication service; accidents; labor disputes; acts of civil or military authority; governmental actions; or inability to obtain labor, material, equipment or transportation.

33. WAIVER

(i) The failure by either the Referral Agent or the AdSpace Agent or any of the ISG Group Companies to exercise any right, power or privilege under the terms of this Agreement will not be construed as a waiver of any subsequent or further exercise of that right, power or privilege or the exercise of any other right, power or privilege.

34. GOVERNING LAW & VENUE

(i) The Referral Agent and ISG Group Companies agree that this Agreement shall be governed and interpreted under the laws of the State of Florida.

(ii) In the event an issue in controversy shall arise from this Agreement, the issue or legal claims shall be brought in Broward County, Florida, in the manner prescribed in this Agreement.

35. LEGAL AND BINDING AGREEMENT

(i) This Agreement is legal and binding between the Agent and ISG Group Companies both in the United States and Internationally.

(ii) The Agent and ISGincome each represent that they have the authority to enter into this Agreement.

36. ENTIRE AGREEMENT

(i) This Referral Agent and AdSpace Income Program Agreement constitutes the entire agreement and voids any prior oral or written agreement(s). You hereby state that no promises, warrantees or guarantees have been made verbally or in writing to you by the ISGincome or any other ISG Group Companies other than what is written in this Agreement, and that any promises, warrantees or guarantees that may have been made to you by the ISGincome or any of its ISG Group Companies prior to signing this Agreement are null and void and cancelled and are longer in force and effect, and this Agreement will supersede all other Agreements or Statements made, whether made verbally or in writing.



REFERRAL AGENT & ADSPACE AGENT ACKNOWLEDGEMENT STATEMENT

I HEREBY STATE THAT I WANT TO BECOME A REFERRAL AGENT AND.OR AN ADSPACE AGENT FOR ISGINCOME AND THAT I AM OVER THE AGE OF 18 YEARS, AND FUTHER STATE THAT:

I have read this Referral Agent Income Program Agreement and the Membership Income Program Agreement and Rules (terms and conditions) and state that I understand both the terms and conditions of this Agreement and the Membership Rules and Agreement and its terms and conditions, and that I understand that am bound by the Rules (terms and conditions) of the Rules and Agreement in this Referral Agent and AdSpace Agent Income Program and the Rules and Membership Agreement of the ISGincome Membership Income Program, and I agree to abide by the terms and conditions of these Agreements, and that the information about me that I have provided to ISGincome is true and correct.

I further agree that I am in-effect executing (signing) this Referral Agent Income Program Agreement electronically by submitting my Application to ISGincome electronically.




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