THIS IS A LEGALLY BINDING AGREEMENT between CrossCurrent, Inc. (CCI) and You, the individual using the www.incisivemd.com web site (the "Site"). By accessing, viewing, or using this Site and its materials, you indicate (i) you have the required legal capacity and are authorized to enter into this agreement; (ii) that you understand and intend these General Terms and Conditions (the "Agreement") to be the legal equivalent of a signed, written contract, and that the electronically or other properly stored copy of this Agreement is considered to be the true, complete, valid, authentic and enforceable record of the Agreement, admissible in judicial or administrative proceedings to the same extent as if this Agreement were originally generated and maintained in printed form; and (iii) that you accept this Agreement and agree to be legally bound by it. You will not contest the admissibility or enforceability of CCI's copy of the Agreement in any proceeding arising out of this Agreement. We reserve the right to modify this Agreement at any time by publication through the Site. Your continued use of the Site following the posting of any notice of modifications or a new agreement will indicate your assent and consent to the changes or modifications, whether or not you have actually read them. If you do not agree to all of the terms and conditions in this Agreement, you should click the disagree button and exit this Site. As used herein, "CCI,""we,""us" and "our" means "CCI, Inc; "you" and "your" means You.

PROPRIETARY RIGHTS; USE OF CONTENT. All materials contained in the Site are protected by law, including but not limited to, United States copyright law. Except as indicated, CCI is the owner of the copyright in the entire Content (as defined below), including images, text and look and feel attributes, of the Site and reserves all rights in that regard. Removing or altering the copyright notice on any materials on the Site is prohibited. CCI owns a copyright in the Site as a collective work and/or compilation, and in the selection, coordination, arrangement, organization and enhancement of Site content. Any commercial use of the Site content is prohibited without the prior written consent of CCI. Except as indicated, CCI or its licensors owns all trademarks, service marks or other logos featured on the Site. Use or misuse of these trademarks, service mark or logos is expressly prohibited and may violate federal and state law. We grant you a limited, non-exclusive, nontransferable right to access the Site in accordance with this Agreement.

NO SOLICITATION OR OFFER. This Site is designed to provide general information about CCI, its products and services, and its member plans. Information on the Site is not intended to constitute an offer to sell or a solicitation of any particular product or service.

SECURITIES INFORMATION. This Site and the information contained herein do not constitute an offer or a solicitation of an offer for the purchase or sale of any securities. The Site contains information and press releases about CCI, and although this information was believed to be accurate as of the date prepared, CCI disclaims any duty or obligation to update such information. To the extent that any information is deemed to be a "forward looking statement" within the meaning of the Private Securities Litigation Reform Act of 1995, such information is intended to fit within the "safe harbor" for forward looking information and is subject to material risk factors which may or may not be disclosed herein. "Forward looking statements" may be identified by their use of forward looking and hedging terminology such as "believes," "expects," "anticipates," "may," "will," "should," "seeks," "approximates," "intends," "plans," "estimates," or the negative of these words, or other comparable terminology. The most significant of the material risk factors and uncertainties are described in CCI's Form 10K, Form 10Q and Form 8K reports filed with the United States Securities and Exchange Commission.

NO MEDICAL ADVICE. The content and services available through the Site are for informational, educational and advisory purposes only, and are not a substitute for the judgment of the healthcare professional in diagnosing and treating patients. We do not practice medicine nor dispense medical services or medical advice. You are cautioned that any reliance upon any of the information, content and services available to you through the Site is used by you solely at your own risk.

COMMUNICATIONS WITH OUR WEB SITE. CCI welcomes your feedback and suggestions about how to improve our products and services and this Site. By transmitting any suggestions, information, material, or other content (collectively, "Content") to CCI, you automatically grant CCI the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display such Content (in whole or part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Content. Further, CCI is free to use any ideas, concepts, know-how, techniques, and suggestions contained in any communications you send to this Site for any purpose whatever, including but not limited to creating and marketing products and/or services using such information. CCI is not responsible and shall not be liable for the contents of Content posted to the Site by visitors or persons other than CCI's employees. Opinions or comments contained in the Content reflect the views of the author and not of CCI, unless CCI expressly states to the contrary in writing.

CONFIDENTIALITY CANNOT BE GUARANTEED. Please be advised that the confidentiality of any communication or material transmitted to CCI via www.CCI.com or Internet electronic mail cannot be guaranteed, including personal information such as your address or social security number. Any communication or material you transmit to CCI via the Site or Internet electronic mail is transmitted by you on a non-confidential basis.

DISCLAIMER OF WARRANTIES. THE SITE, ITS CONTENT AND SERVICES AND THE INFORMATION CONTAINED HEREIN ARE PROVIDED TO YOU AND ANYONE ELSE ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. CCI, ITS LICENSORS AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. CCI, ITS LICENSORS AND ITS SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, RELIABILITY, USEFULNESS, COMPLETENESS, EFFECTIVENESS OR TIMELINESS OF THE CONTENT, SERVICES, TEXT, GRAPHICS, LINKS, OR COMMUNICATIONS PROVIDED ON OR THROUGH USE OF THE SITE. WE MAKE NO REPRESENTATIONS OR WARRANTIES THAT YOUR ACCESS TO AND USE OF THIS SITE WILL BE UNINTERRUPTED OR ERROR FREE, THAT IT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT IT IS SECURE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES, SO ONE OR MORE OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY. YOU UNDERSTAND THAT NEITHER US NOR ANY OF OUR LICENSORS OR SUPPLIERS SHALL BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY LOSS, INJURY OR DAMAGE AS A RESULT OF YOUR USE OR MISUSE OF THE SITE OR ANY CONTENT, SERVICE OR INFORMATION AVAILABLE OR NOT AVAILABLE THROUGH IT. IN NO EVENT SHALL CCI, ITS LICENSORS, ITS SUPPLIERS OR ANY THIRD PARTIES MENTIONED ON THE SITE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, ANY SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES, DAMAGES RESULTING FROM LOST RECORDS OR DATA, INTERRUPTION, DOWNTIME, INCORRECT LINKAGE, DELAY, INACCURACY OR OTHER NONPERFORMANCE, ANY DAMAGES RELATING TO YOUR USE OR RELIANCE UPON THE SITE OR THE CONTENT, SERVICES OR OTHER INFORMATION CONTAINED THEREIN OR WITH REGARD TO ANY ERRORS, INACCURACIES, OMISSIONS, DEFECTS, NON-TIMELINESS, SECURITY BREACHES, OR ANY OTHER FAILURE TO PERFORM BY US OR OUR LICENSORS OR SUPPLIERS. THIS LIMITATION OF DAMAGES SHALL APPLY REGARDLESS OF WHETHER YOU OR ANYONE ELSE HAS ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW CERTAIN LIMITATION OF LIABILITIES, SO ONE OR MORE OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

INDEMNIFICATION. You agree to indemnify and hold harmless us and our licensors and suppliers, and our employees, representatives, agents, subsidiaries and affiliates, against any and all claims, suits, actions or other proceedings brought against us made by any third party due to, or arising out of, your use of the Site and any information or content available through it, including any of the services, your violation of this Agreement or the terms of any subscription agreement for individual services, or any infringement by you or any other user of your account of any intellectual property rights or the civil and legal rights of any person or entity. You agree to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorney's fees and costs awarded against or otherwise incurred by us in connection with or arising from any such claim, suit, action or proceeding.

LINKS TO OTHER SITES. The Site contains links to third party web sites and are provided solely as a convenience to you and not as an endorsement by us of the content of such third party web sites. We are not responsible for the content of linked third party sites and we do not make any representations regarding the content or accuracy of materials on such third party web sites. If you decide to access links to third party web sites, you do so at your own risk. Your use of third party web sites are subject to terms and conditions for use of such sites.

MISCELLANEOUS. If any provision(s) is (are) found to be invalid by any court having competent jurisdiction, the invalidity of such provision(s) shall not affect the validity of other provisions of this Agreement. By accessing, viewing, or using the material of this Site, you consent to the jurisdiction of the federal and state courts presiding in Portland, Oregon, and agree to accept service of process by mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This Site is controlled and operated by CCI from its offices within the United States. CCI makes no representations that materials in this Site are appropriate or available for use in other locations, and access to them from territories where the Site's Content is illegal is prohibited. Those who choose to access this Site from other locations do so on their own volition and are responsible for compliance with applicable local laws. This Agreement is governed by the laws of the State of Oregon, without giving effect to any principals of conflicts of law. The information, Content and services available through the Site may be subject to United States Export Controls and must not be downloaded or used by any person in violation of any U.S. law, rule or regulation, nor be exported or re-exported into any embargo country in violation of the U.S. Export Control laws. The headings and titles contained in this Agreement are included for convenience only, and shall not limit or otherwise affect the terms of this Agreement.

TERMINATION. CCI reserves the right, in its sole discretion, to terminate your access to all or part of the Site, with or without notice upon your breach of any provisions of this Agreement or any subscription agreement for services.