TERMS: The AAFM Board of Standards

LIMITATIONS ON XXX’S DUTIES

A. XXX and its employees will not disclose any confidential information provided by IBS or AAFM® or AAPM®, including any trade secrets acquired during this Agreement.

B. XXX does not have the authority to rent, license, assign or sell any of IBS ’s “Master License Rights” or go outside of territory granted to it by the AAFM®/AAPM® and International Board of Standards IBSTM.

DUTIES AND RIGHTS OF IBS

A. IBS will forward electronic copies of policies, handbooks, curriculums, certifications, logos, marketing content and other information used to promote the IBS -AAFM®/AAPM® certification programs.

B. IBS has the right to inspect XXX’s facilities without prior notice to determine course currency and instructors are IBS approved.

C. IBS will have the right to inspect XXX’s books and records upon giving XXX a seven (7) days’ notice.

D. Nothing in this agreement shall prevent IBS from directly or indirectly marketing, promoting, issuing, selling or advertising of AAFM®/AAPM® designations, programs, or publications to any purchaser.

V. PAYMENTS

A. XXX will wire funds to IBS once the refund period for the course has expired or the first day of class whichever comes first.

TRADEMARK PROVISIONS AND CERTIFICATIONS OFFERED

A. IBS via its’ “Master License” from AAFM®/AAPM® and the IBSTM hereby authorizes the limited rights to XXX the right to use the trademarks and service marks and copyrights as defined in this section only in connection with the course offering, translation advertising, promotion, and marketing of training programs, as long as, such intellectual property or service marks are used in accordance with the specifications established here within. See list.

B. For purposes of this agreement, the term “trademarks”, tradenames, or “service marks” shall mean the intellectual property, certifications, curriculums, programs, and marks created and owned by the USA based

AAFM®/AAPM® and the IBS TM.

1) AAFM® Trademark No. 77694098, of AAFM® registry of the United States Patent and Trademark Office, which is the property of the AAFM® and which is used in representing the commercial banking industry.

2) AAFM® Trademark No. 77694098 with the words “AAFM® American Academy of Financial Management” used in connection with the mark.

3) You agree that the trademarks and service marks of the AAFM are also recognized under WIPO and The Paris Convention Treaty

4) Finally, the USA Federally Copyrighted Materials registered with the US Library of Congress. Registration Number: International and US Federal Copyright TX0007189623, International and US Federal Copyright TXu001602366, International and US Federal Copyright TX0007404608

5) – There are also Non Disputed and Observed Copyrights and Trademarks of AAFM® by virtue of Legal Agreements of Co-Existence by the CFP Board, INFORMA, IIR, and the CFA Institute.

C. " Licensee " "the Training Alliance" will publicly disclose IBS ’s and AAFM®/AAPM®’s ownership of the certifications, brand marks and Logos on all of its materials, websites, handouts, program marketing or brochures related to the designations or certification programs.

1) “International Board of Standards for Certifications has licensed " Licensee " to offer training programs approved by the American Academy of Financial Management AAFM® and the American Academy of Project Management AAPM®”. Certifications, curriculums, exams and program IP remains the property of the respective Board of Standards.

2) “The Examination, as offered by IBS , generally does not involve testing for any competencies or knowledge specific to North American laws.”

D. " Licensee " will ensure that all training programs, as well as all advertising, promotional, sales and marketing materials used by " Licensee ", will meet standards of quality specified IBS ’s and AAFM®/AAPM®.

E. Nothing in this Agreement shall give " Licensee " any interest in IBS ’s and AAFM®/AAPM® trademarks, designations, intellectual property, service mark, data, goodwill or in any label.

F. In the event " Licensee " becomes a party to any litigation of IBS ’s or AAFM®/AAPM® intellectual property licensed under this Agreement, " Licensee " shall immediately notify IBS and forward copies to IBS ’s company headquarters the petition, summons or complaint, or any other relevant documents.

G. IBS or AAFM®/AAPM® or IBS has a right to settle, compromise, change, enhance or omit any certification program or issue directly affecting its rights at any time to avoid a legal dispute with any 3rd party.

AAFM®—Financial Management AAPM®—Project Management

CWM ™ Certified/Chartered Wealth Manger ®

AFA ™ Accredited Financial Analyst ®

CAM ™ Chartered Asset Manager ™

CCA ™ Chartered Compliance Analyst

CITA ™ Certified International Tax Analyst

CPM ™ Certified/Chartered Portfolio Manager

CRA ™ Chartered/Certified Risk Analyst

CTEP ™ Chartered Trust and Estate Planner

CTS ™ Certified Transfer Pricing Specialist™

MFP ™ Master Financial Planner ®

RBA ™ Registered Business Analyst

RFS ™ Registered Financial Specialist

CMA ™ Certified/Chartered Market Analyst

AMA ™ Accredited Management Accountant ™

CCA TM Chartered Credit Analyst

CVM TM Certified Valuation Manager MPM ® Master Project Manager

CIPM ™ Certified International Project Manager ®

AMC ™ Accredited Management Consultant

CHRA ™ Certified Human Resources Analyst

CPE ™ Certified Planning Engineer

CPRM ™ Certified Project Risk Manager

MQM ™ Master Quality Manager

PME © Project Manager E-Business

CEA ™ Certified e-Marketing Analyst

CEC ™ Certified E-Commerce Consultant

BCRE TM Certification in Real Estate Planning

AAFM—Other Financial & Management AAPM/AAFM—Other Business Designations

CORM ™ Certified Operations Risk Manager

CCO ™ Certified Compliance Officer and Analyst

RICO ™ Registered Islamic Compliance Officer

RIFS ™ Registered Islamic Financial Specialist

CCA Certified Commodities Analyst

CAP ™ Cost Accounting Professional

IFRS ™ International Financial Reporting Certification

PEC ™ Private Equity Certification

CAMC ™ Certified Anti-Money Laundering Consultant

CAPA ™ Certified Asset Protection Analyst MCP ™ Management Consultant Professional

MMC ™ Master Management Consultant

CPC ™ Certified Project Consultant

ALC ™ Accredited Life Coach

CILC ™ Certified International Life Coach

CLC ™ Certified Leadership Consultant ™

CMA ™ Certified Marketing Analyst

QBC ™ Qualified Business Consultant Coach

CMA ™ Chartered/Certified Marketing Analyst

CCC TM Certified in Cost Control

Please Note: AAFM®/AAPM® USA can authorize the accreditation and use of new or specialized professional certifications to meet licensee’s markets, but these programs remain the intellectual property of the Certification Body.

TRADE SECRET LICENSE ISSUES

A. IBS licenses " Licensee ", on a non-exclusive basis, with primary trademark provisions and certifications listed in Section VI of this agreement.

B. " Licensee " agrees that it will have all of its instructors and employees sign agreements with IBS that they will not disclose or use any of IBS ’s and AAFM®/AAPM® any Intellectual Property or Designations without permission.

C. If " Licensee " improves or modifies any of IBS ’s and AAFM®/AAPM® intellectual property IBS and the respective organization AAFM®/AAPM®, will own all improvements.

D. Course training materials remain the property of the creator but IBS and AAFM®/AAPM® reserve the right to request, receive and use the materials after creation, even after termination of the Agreement..

E. IBS agrees to disclose from time to time to " Licensee " updates that IBS and AAFM®/AAPM® make to its Intellectual Property outlined in Section VI.

F. Licensee agrees to use only IBS and AAFM®/AAPM® Intellectual Property or trade secrets to perform its duties pursuant to this Agreement, and not for any other products, programs or services offered by " Licensee ".

G. Upon expiration or termination of this Agreement IBS and AAFM®/AAPM® shall continue to own all licensed copyrights, marks, tradenames, Intellectual Property, marketing content, and trade secrets pursuant to this Agreement

DURATION AND TERMINATION

A. DURATION

1) This Agreement shall last for one 1 Year after the date of signature and expire after that unless renewed by AAFM AAPM IBS.

2) If the parties agree to negotiate in “good faith” before the contract’s expiration date will have a thirty day (30), grace period to complete the negotiations.

3) In the case of termination or expiration of this Agreement, IBS , AAFM®/AAPM®, or IBS will continue to own all copyright, commercial brand, service mark, trademark rights to the service marks licensed to " Licensee " pursuant to this Agreement.

4) IBS will also retain all rights to its created property and property created in conjunction with our programs. Licensor can send an auditor or guest to any program offered if needed with notice.

TERMINATION OF AGREEMENT

1. AAFM®/AAPM® Founder, (George Mentz, Esquire) or his legal representatives will have the right to terminate this Agreement but the licensee has the right to run scheduled programs and process any students who are already in the system.

2. The following are examples of just cause for termination and are not intended to be all inclusive:

a) " Licensee "’s financial situation prohibits it from carrying out its duties pursuant to this Agreement.

b) " Licensee " files a petition in bankruptcy, becomes insolvent, or makes an assignment for the benefit of its creditors

c) " Licensee " will lose its license if any of its officers are convicted of any crime punishable by imprisonment or a fine.

d) " Licensee " is consistently negligent in its characterizations IBS or AAFM®/AAPM® logos, Courses and Certifications.

e) " Licensee " refuses to comply with IBS ’s reasonable instructions concerning the marketing of the AAFM®/AAPM® Courses, Programs or Designations or Certifications.

f) " Licensee " or any of its agents or employees discloses trade secrets of IBS or AAFM®/AAPM®.

g) " Licensee " fails to make a good faith effort to integrate & promote the certification programs of IBS or AAFM®/AAPM®.

h) There are significant changes in the management of " Licensee "

i) " Licensee " fails to abide by the trademark or Intellectual Property provisions of this Agreement

j) " Licensee " attempts to register IBS or AAFM®/AAPM® copyrights or trademarks or confusingly similar marks in its own name.

k) " Licensee " fails to comply with the quality control provisions of this Agreement

l) " Licensee " fails to abide by the copyright provisions of this Agreement.

m) " Licensee " fails to submit the quarterly reports to the Licensor.

n) " Licensee " fails to pay IBS in the manner mentioned in Section I and V of this is agreement.

o) " Licensee " breaches any of its warranties pursuant to this Agreement

p) " Licensee " assigns or sublicenses this Agreement without IBS ’s consent

q) " Licensee " fails to notify candidates and graduates of the proper websites www.internationalboardofstandards.com and www.aafm.us

r) " Licensee " fails to disclose the legal structure of the Global Board of Standards and IBS .

TERMINATION PROCEDURE

1. Upon of expiration or termination of this Agreement, " Licensee " (including sub-providers) agree to stop translating, advertising, marketing, selling, promoting or distributing the Courses, Programs, using IBS ’s and AAFM®/AAPM®’s Designations, Logos, Content, Certifications and Publications.

2. All property of IBS and AAFM®/AAPM® will be returned to IBS ’s office within fourteen (14) days.

3. " Licensee " agrees not to operate or do business in any manner that might tend to convey or give the impression that this Agreement and the licenses granted hereunder are still in effect.

4. All references to IBS or AAFM®/AAPM® will be removed from " Licensee "’s website within thirty (30) days.

5. In the event of termination, all obligations and liabilities of the parties to each other shall immediately terminate except for those obligations identified as intending to survive any termination such as copyrights and trademarks and in the preceding or following sections.

6. Outstanding payments shall become due within 60 days of termination.

7. The legal recognition by the licensee of IBS , AAFM®/AAPM®, and IBS’s intellectual property rights and ownership of the certification programs and certifications survives this agreement in perpetuity.

WARRANTIES

A. Except for warranties expressly mentioned in this agreement, IBS or AAFM® /AAPM® offer implicitly or explicitly any warranties, including without limitation, the implied warranty of informational content, the implied warranty of merchantability, and the implied warranty of fitness.

B. " Licensee " expressly understands that IBS and AAFM®/AAPM® will not be liable to " Licensee " for any consequential, exemplary, incidental, or punitive damages including without limitation, loss of profit and loss of business.

C. " Licensee " shall not make any warranties to students in excess of the warranties that IBS has granted " Licensee ".

A. " Licensee " warrants that it will comply with all applicable Laws and regulations concerning its duties and obligations pursuant to this Agreement.

D. " Licensee " warrants that none of the advertising, marketing, promotional, course materials, or sales material that it creates or prepares pursuant to this Agreement infringes on the copyright or other intellectual property rights of any third person, business, or corporation, nor contains any libelous, slanderous, or defamatory materials.

E. " Licensee " warrants that it is legally and financially able to perform this Agreement.

F. " Licensee " warrants that it will register this Agreement on the commercial register in all countries were it does business.

G. " Licensee " warrants that it will not undertake any action to restrict or prohibit the importation, transmission, or shipment of the Publications in the market territory, except as otherwise provided in this agreement.

H. " Licensee " agrees to defend, hold harmless and indemnify the IBS or AAFM® /AAPM®, or IBS against all causes of action, lawsuits, arbitral proceedings, administrative agency proceedings or disputes arising out of a breach of any of " Licensee "’s warranties pursuant to this Agreement.

I. " Licensee " agrees that it will not print, award, or issue the same or similar designations, diplomes, certifications, charters, credentials, or awards that are already awarded from the USA company: IBS or AAFM® /AAPM®,, IBS, CEC, IAFM, IAPM, or other related brand or any related academic documents.

GENERAL PROVISIONS

A. This Agreement constitutes a total integration of the parties’ understanding and supersedes all prior or any agreements or memoranda between the parties.

B. This Agreement shall be governed by and construed under the 1980 United Nations Convention on Contracts for the International Sale of Goods or updated version of it or, to the extent that the Convention does not settle the rights and obligations of the parties, the law of the USA State LA shall be an alternative.

C. The provisions of Section IX, X and XI survive the termination or expiration of this Agreement.

D. All modifications to this Agreement shall be in writing, signed and dated by both parties.

E. In the event of a dispute, both parties shall mutually agree to arbitrate if necessary.

F. Arbitration proceedings will be conducted under the rules of US laws. IBS reserves the right to dissolve the alliance if any dispute related to these simple terms while maintaining all IP rights in perpetuity.

G. Neither party shall be held liable for damage caused by delay or failure to perform when such delay or failure is due to government regulation, Act of God, war, disaster, fire, flood, strike or labor disruption, or civil disorder making it illegal or impossible to abide by this Agreement or any of its terms.

H. Furthermore, notwithstanding anything in this Agreement to the contrary, in the event that this Agreement is illegal or impossible to perform in a specific country within the market territory, the Agreement shall remain in force regarding all other countries within the market territory.

I. " Licensee " and IBS agree that in the event that there are different interpretations or disputes related to this Agreement the venue and jurisdiction for any dispute will be subject to laws of USA State of LA.

J. " Licensee " and IBS agree that in the event of a dispute arises against IBS or AAFM® /AAPM® or IBS, the venue and jurisdiction of the USA, State of Louisiana Federal Courts, USA EDLA will prevail.

K. " Licensee " agrees to defend, hold harmless and indemnify IBS against all causes of action, lawsuits, arbitral proceedings, administrative agency proceedings or disputes arising out of the negligent or reckless acts or omissions of " Licensee "’s agents or employees arising out of this agreement.

L. Both parties are independent contractors and neither party is an agent, employee, joint venture or partner of the other. This document does act as a MOU, Alliance document, Co-Existence document, and mutual articulation and recognition agreement.

M. This Agreement is intended to bind only the parties hereto and their corporate successors, and may not be assigned by " Licensee " without the express written consent of IBS .

N. IBS may assign this agreement to any of its subsidiaries or affiliates.

O. A waiver of one condition or term of this Agreement will not constitute a waiver of the other terms of this Agreement, nor shall it mean that the term or condition will be waived again.

P. If one clause, section, article, paragraph, phrase or term of this Agreement is declared illegal or unenforceable by any court then only that clause, section, article, paragraph, phrase or term shall be rendered invalid and not the entire agreement

 Definitions

Certification or Designation: This word “certification” implies any Board Certification or Professional Designation issued from or by AAFM® or AAPM® or IBSTM, USA. The Professional Designation can be in the form of a: Masters Designation, Charter Designation or Board Certification “Certified” Designation. This also implies any acronym/ post-nominal from the list of designations herein.

Diploma(s): Any offshore certificate, certification, charter or award issued for taking more than one course, a concentration of courses, or a combination of courses. Joint or Double Logo Offshore Diplomas, Distinctions, or Awards may be herein authorized under the authority of IBS , AAFM® /AAPM® or IBS for use offshore.

Certification Program: Means any series of certifications that lead to designation or certification or charter award listed herein or created because of this agreement.

Member and Fellow Documents: In many countries worldwide, a membership document is issued along with a certification document. For over 10 years, the AAFM has globally charged for Member and Certification. For 7 years in the Asia and Europe and Africa and India new members have paid for member document and certification. These member documents have also contained the language FAAFM “Fellow of the American Academy of Financial Management” which means you are a distinguished member of the Academy.

Integrate: This is a flexible agreement that allows " Licensee " to propose to IBS to take an existing course and market it as a “Certification Course”.

International Board of Standards Code of Ethics

" Licensee " shall act in good faith and disclose all relevant information in all dealings with its clients, while abstaining from self-dealing which may create any real or perceived conflicts of interests.

A. Build confidence and trust between " Licensee " and the public by adhering to high standards

B. Monitor the proper use of IBS and AAFM® and AAPM® designations.

C. Promote the profession by continually updating standards and training materials.

D. Provide pro-bono assistance when possible to persons who need advice.

E. Abide by the laws of the United States of America or your Sovereign Country.

F. Act with professionalism with all of your dealings with clients.

International Board of Standards Copyrights and Intellectual Property

Any Marks or IP used or created for the programs remains the property of the IBS, AAFM and AAPM respectively

AAFM http://tarr.uspto.gov/servlet/tarr?regser=serial&entry=77694098

IAFM http://tarr.uspto.gov/servlet/tarr?regser=serial&entry=77818566 USA and International Registration

CWM Chartered Wealth Manager http://tarr.uspto.gov/servlet/tarr?regser=serial&entry=77714915

MFP Master Financial Planner http://tarr.uspto.gov/servlet/tarr?regser=serial&entry=85208635

AAPM http://tarr.uspto.gov/servlet/tarr?regser=serial&entry=77788234

CIPM http://tarr.uspto.gov/servlet/tarr?regser=serial&entry=77784222

MPM http://tarr.uspto.gov/servlet/tarr?regser=serial&entry=77784090

IAPM International Academy of Project Management http://tarr.uspto.gov/servlet/tarr?regser=serial&entry=77913013

International Copyrights

International and US Federal Copyright TX0007189623

International and US Federal Copyright TXu001602366

International and US Federal Copyright TX0007404608

Board of Standards RULES, Terms and Privacy Policy

Note on AAFM Requirements and Criteria for Board Certification:

For All Legal Correspondence

AAFM Board Legal and Compliance

1670-F East Cheyenne Mtn. Blvd.; Suite #293

Colorado Springs, CO 80906

IBS AAFM AAPM Information and Website Terms which apply to all trainers and providers.

As you know, many other organizations attempt to set up their own college, universities or training programs that lead to their own certification in the USA. AAFM is the first organization in the world to enter joint education recognition agreements with the AACSB and ACBSP which includes the 1000+ top ACCREDITED business schools worldwide that are recognized by the department of education.

From a legal standpoint, you must realize that AAFM has recognized (in mutual and legal agreements) 560+ business schools and graduate law schools worldwide through agreements with the AACSB and ACBSP and ABA Law Schools. Thus, we have accredited and sanctioned over 1000 + colleges and universities that provide government approved or sanctioned education.

So, AAFM accepts successfully completed credits and degrees completed from these top 800 business schools, MBA programs, and law schools worldwide. It is an unprecedented move by AAFM that has NEVER been achieved by ANY organization worldwide. AAFM also accredits and approves qualified ABA Accredited Law School Courses and degrees that lead to certification.

Thus, AAFM is the first financial organization in the WORLD to achieve this status and legal arrangements with 560+ Business schools and law schools worldwide. AAFM has the Most Registered and Approved business schools and laws schools in the world. More than ANY other independent financial organization.

We are a Board of Standards that offers charters & board certification to qualified individuals who have met our experience and ethic requirements. Further, on its face, we offer certification to those who have successfully passed multiple courses and exams at ACCREDITED SCHOOLS AND UNIVERSITIES through our legal recognition agreements worldwide.

In general, any of our members who have applied from our 560+ accredited and approved law and business school relationships HAVE MET THE MOST STRENUOUS CRITERIA FOR COLLEGE ACCEPTANCE, COURSE REQUIREMENTS, COURSE COMPLETION, COURSE TESTING AND DEGREE REQUIREMENTS IN THE WORLD.

** Unlike other organizations, the AAFM has always required accredited college education for membership. Moreover, the bulk of AAFM membership are not "salespersons" or so called producers. Most of AAFM members are in positions of management such as: Financial Managers, Asset Managers, Estate and Trust Managers, Wealth Managers, Accountants, Economists, Corporate Finance Managers and so on.......

*Candidates at a young age should realize that they can: Apply for admission to an accredited program and college, earn acceptance to an accredited program, excel in a focus area, pass all of the course exams from accredited programs, and then become eligible for board certification if they meet the other requirements such as experience, ethics and continuing education. It can be a 4-7 year certification process depending on if you go into a masters program, but our Board of Standards has the most respected path and method of certification which cooperates directly with government recognized schools.

NOTE on designations and credentials:

AAFM mandates that all members subject to US Jurisdiction abide by the rules and regulations of the SEC, NASD and local, state and federal regulators and laws. Any member who uses an AAFM designation or board certification should understand that policy and regulation differs from broker-dealer to broker dealer and possibly from state to state thus reducing the ability to use any or all designations. All members that advise clients on investments or insurance products are encouraged to earn and hold an investment advisors license, series 65, 66 or RIA registration or licenses for the sale of insurance products. Moreover, any AAFM member should know that they may be subject to the rules of suitability, client objectives, diversification of client assets, to NOT use risky investments, anti- fraud, rules of representation, the way you hold yourself out to clients & prudent investing for any client who may be nearing retirement or has fixed income needs.

For anyone who holds themselves out as an Analyst and provides analsis on investments, you must be familiar with all rules under the SEC and NASD. Please review this one also http://www.sec.gov/divisions/marketreg/mregacfaq0803.htm#parta as you may be subject to this rule

You comprehend that we do not offer any degree or diploma from the USA, but we do offer professional designations to those who have met the accredited education and training and experience requirements. You understand that the AAFM effectively recognizes and accredits over 560 double accredited business schools globally. You agree that you have read the terms and disclaimers and other requirements publicly listed on the websites. Any offers for membership and certification are good for 5 days. If not accepted, the offers act as though they never existed.

If you are applying from outside of the USA, the Board has the legal right to refer your application to the organizations who are in charge or have authority over and in your region or territory. Even if you believe that you are qualified under the requirements, the Board has the full right to request that you complete an AAFM recognized or required course and exam in the territory who may have oversight from your region. ALSO The International Headquarters for Certification and Designation Training is based in Singapore with government license to manage, operate and consult along with rights to legally issue certificates or international diplomas from that sovereign region. The secondary headquarters is based in Beijing and Delhi. The Board consists of members in several countries and the situs of the board can move at any time.

AAFM, LC American Academy of Financial Management, LC Legal Disclaimer and Terms of Visiting our Site

AAFM, LC herein referred to as and DBA FinancialCertified.com How marks should be used by our members.Notice: The objective of this site is for membership, networking, research, and education. No legal, investment, accounting, or other professional regulated consulting is implied. If you desire to facilitate a legal or investment transaction, see a licensed or federal or state certified individual.We do not offer degrees, college degrees, university degrees of any kind or any sort. You must understand that professional organizations have been in existance for a very long time and ours like hundreds of others offers training and certificates or "Board Certification". We are an academic organization with high standards of ethics training and education.AAFM is an LLC which is not a charity and never has been a charity.AAFM is a self regulatory body of financial professionals from over 100 countries. AAFM has regional government approval Example China. The US federal government does not directly accredit or sanction financial professional organizations that are not controlled by the government. If you know otherwise, please contact us.FinancialCertified.com© Web Site User Agreement and Contract The FinancialCertified.com Web Sites and related Internet properties, hereafter (the "Site"), is an online information service provided by FinancialCertified.com association, hereafter, (FinancialCertified.com"), subject to your compliance with the disclaimers, terms, and conditions set forth below and throughout this document. © PLEASE STUDY AND READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR USING THE SITE. BY ACCESSING OR USING THE SITE, YOU AND YOUR PRINCIPAL AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT AND SHALL NOT ACCESS OR USE THE SITE. FinancialCertified.COM MAY MODIFY THIS AGREEMENT AT ANY TIME, AND SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON ELECTRONIC POSTING OF THE MODIFIED AGREEMENT ON THE SITE. YOU AGREE TO REVIEW THE AGREEMENT UPON VIEWING THE SITE TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF THE SITE SHALL BE DEEMED YOUR CONCLUSIVE AND KNOWING ACCEPTANCE OF THE MODIFIED AGREEMENT. BY VIEWING THIS SITE YOU SUBMIT THAT THE TERMS ARE CLEAR AND NOT VAGUE. MOREOVER, BY ACCESSING THIS SITE, YOU SUBJECT YOURSELF TO THE FORUM AND JURISDICTION OF THE Financialcertified.com or AAFM ADMINISTRATIVE AREA WHICH IS PRESENTLY THE EASTERN DISTRICT OF LOUISIANA IN THE FEDERAL ZONE. l) Educational Licenses, Accreditation, and State Sanction. The FinancialCertified does not claim to be a college or university nor does it claim accreditation from any 501 bodies, state, or federal government agency or body. The FinancialCertified is not a 501c3 organization and never has claimed to be a tax free or charitable entity. The FinancialCertified may engage in business with charitable organizations or form alliances with charities that operate under 501 but the FinancialCertified operates as a responsible, growing, proprietary, growth oriented, and profit oriented association and company. The FinancialCertified is an independent authority similar to other American Associations. The FinancialCertified grants certificates, certifications, marks, designations, and charters much like hundreds of other legal educational and recognition institutes or associations in the United States. The FinancialCertified follows the criteria of the Ibanez decision in the United States. We encourage all members and certified members to meet all requirements for education, experience, testing, ethics, and continuing education. The FinancialCertified licenses its marks and logos to others. The marks are generally licensed to individuals. The FinancialCertified will license the AAFM and other marks and logos to companies, universities, or other uses upon the consent of its board. As e-commerce is a relatively new field, it is impossible for any association to have been in this field for any significant length of time. With this in mind, new and growing fields of study and practice should be given the opportunity to grow and flourish without government interference. FinancialCertified claims no government sanction or alliance. FinancialCertified has formed legal relationships with professors, college organizations, university groups and independent training associations and facilities. 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Web Design, and/or any other names of FinancialCertified.com or its Web sites, publications, products, content or services referenced herein or on the Site are the exclusive trademarks or service marks of FinancialCertified.com, including the "look" and "feel" of the Site, FinancialCertified.com's color combinations, layout, and all other graphical elements. Be very careful because all of the marks are protected on the Federal Common Law Level and many marks have special registrations with states such as , , and . Any use of FinancialCertified.com's trademarks is strictly prohibited without the express permission from FinancialCertified.com. Other product and company names mentioned in the Site may be the trademarks of their respective owners. Further, all significant marks are protected throughout the US by Federal Application and with certain International Treaties and Laws. 3. Use of the Site. You understand that, except for information, products or services clearly identified as being supplied by FinancialCertified.com, FinancialCertified.com does not operate, control or endorse any information, products or services on the Internet in any way. Except for FinancialCertified.com identified information, products or services, all information, products and services offered through the Site or on the Internet generally are offered by third parties that are not affiliated with FinancialCertified.com. You also understand that FinancialCertified.com cannot and does not guarantee or warrant that files, products, or information available for downloading through the Site will be free of infection or viruses, worms, Trojan horses, hack daddies, beetles, or any debilitating creepy software latent or hidden activity or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures, firewalls, and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost or impaired data. In connection with your use of the FinancialCertified Site, you agree you will not: a) Transmit any message, information, data, text, software or images, or other content ("Material") that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, dirty, racist, piggish, vulgar, obscene, libelous, or otherwise objectionable that may invade another's right of privacy, serenity, or publicity; b) Impersonate any person or entity, including but not limited to, an FinancialCertified.com official or agent, forum leader, guide or host or falsely state or otherwise misrepresent your affiliation with a person or entity; c) Post or transmit any Material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure or secret or private agreements); d) Post or transmit any Material that contains a virus, impaired, Trojan, doodle bug, infectious, or corrupted data or charge or impulse; e) Delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature for use in any way or in a public way; f) Use the FinancialCertified's Site's communication features in a manner that adversely affects the availability of its resources to other users (e.g., excessive shouting, use of all caps, or flooding continuous posting of repetitive text); g) Post or transmit any unsolicited or "non-consideration" advertising, promotional materials, "junk mail", "spam,""chain letters," "pyramid schemes" or any other form of solicitation or any non-resume information such as opinions or notices, commercial or otherwise; h) Violate any applicable local, state, national or international law; i) Upload or transmit any Material that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party; j) Delete or revise any Material posted by any other person or entity; or k) Manipulate or otherwise display the Site by using framing or similar navigational technology. l) Use or misuse without consent from an officer or manager the logo, marks, endorsement, designation, or distinction. l) Steal or appropriate FinancialCertified content or text for use in a similar web site or marketing or promotional material. YOU TAKE ON AND ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE INTERNET. FinancialCertified.COM PROVIDES THE SITE AND RELATED INFORMATION "AS IS" AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, GUARANTEES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, ANY STUFF OR MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND FinancialCertified.COM SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. YOU UNDERSTAND FURTHER THAT THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE SEXUALLY EXPLICIT OR MAY BE OFFENSIVE TO YOU. YOU ACCESS SUCH MATERIALS AT YOUR RISK. FinancialCertified.COM HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS. FinancialCertified may have banners or advertising on its site of which it has no control over the content of the banner or advertisement. Please notify the FinancialCertified if any add is vulgar or explicit in nature. LIMITATION OF LIABILITY IN NO EVENT WILL FinancialCertified.COM BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF FinancialCertified.COM OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, FinancialCertified.COM'S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. 4. Equipment. You shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the Site and all charges related thereto. 5. Indemnification. You agree to indemnify, defend and hold harmless FinancialCertified.com, its officers, managers, shareholders, directors, employees, agents, licensors, suppliers and any third party information providers to the Site from and against all losses (mental, computer, or physical), expenses, damages and costs, EMOTIONAL DISTRESS, worms, viri, virus, Trojans, including attorneys' fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or your use and access of the Site. 6. Third Party Rights. The provisions of paragraphs 3 (Use of the Site), and 5 (Indemnification) are for the benefit of FinancialCertified.com and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Site. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf. 7.Term; Termination. Either party without notice may terminate this Agreement at any time after logging off of the site for any reason. The provisions of paragraphs I (sanction disclaimer, accreditation disclaimer), 1 (Copyright, Licenses and Idea Submissions), 3 (Use of the Site), 5 (Indemnification), 6 (Third Party Rights) and 11 (Miscellaneous) or offer and acceptance info or jurisdiction and venue agreements shall survive any termination of this Agreement. 8. Special Admonitions for International Use. Recognizing the global nature of the Internet, you agree to comply with all local rules including, without limitation, rules about the Internet, data, e-mail, or privacy. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside. 9. Dealings with Third Parties. Your participation, correspondence or business dealings with any third party found on or through the Site, regarding the payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. You agree that FinancialCertified.com shall not be responsible or liable for any loss, damage or other matters of any sort incurred as the result of any such dealings. 10. Links. The Site may provide, or third parties may provide, links to non-FinancialCertified.com Internet World Wide Web sites or resources. Because FinancialCertified.com has no control over such sites and resources, you acknowledge and agree that FinancialCertified.com is not responsible for the availability of such external sites or resources, and does not endorse or verify the truth of, and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that FinancialCertified.com shall not be responsible or liable or fraud, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. 11. Miscellaneous. This Agreement shall all be governed and construed in accordance with the laws of the State of Louisiana or the federal eastern district of Louisiana applicable to agreements made and to be performed in Louisiana. You agree that any legal action or proceeding between FinancialCertified.com and you for any purpose concerning this Agreement or the parties' obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in the county/parish of Jefferson, state of Louisiana or in the federal courts in Orleans county/parish in New Orleans Louisiana. Any cause of action or claim you may have with respect to the Site must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. FinancialCertified.com's failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. FinancialCertified.com may assign its rights and duties under this Agreement to any party at any time without notice or disclosure to you. The offers made here apply to membership only. Distinction and Designations are contingent upon education, experience, ethics agreement, prior or future testing, and continued education and good standing. Naturally, a person must pay for membership before applying for certification, distinction, designation, or fellow status. Acceptance is made when candidates have paid and the money has been deposited. There is no guarantee of certification as a FinancialCertified CERTIFICATIONS or or . Your money will be returned (excluding the processing fee of dollars) if you cannot, will not, or are incapable of satisfying the standards and qualifications of certification. With regard to certification, FinancialCertified certifications, charters, and licenses are awarded on a yearly basis contingent upon a members good standing. Good standing implies that a member and certified individual is paid up in full as to his or her balance, abiding by the ethics agreement, has completed the continuing education, and all statements as to education, ethics, experience, credentials, certificates, and degrees earned are true and correct. If a member or certified member FinancialCertified CERTIFICATIONS, , , or Fellow of the FinancialCertified has not paid his or her dues and licensing fees, the FinancialCertified may request the charter, certificate, and license from the x-member and the member who is not in good standing shall cease from using any of the FinancialCertified symbols, marks, logos, designations, fellow status, distinctions, service marks, trademarks, and copyrights. Any member that knowingly uses our marks and designations without paying is subject to compensatory and punitive damages as well as any other legal damages and is subject to the jurisdiction and venue of the US District Courts of the Eastern District of Louisiana. The FinancialCertified does not guarantee safe delivery of any products, certificates, or letters. The FinancialCertified will deliver what you have paid full consideration for within a reasonable time. Upon notification, the FinancialCertified will make an effort to track you letter, certificates, or other information that was sent to you. We will guarantee that you receive a certificate with your name on it as long as you provide a save delivery place for your award. You are responsible for submitting correct information as to you name, address, certificates desired, experience, credit card info, email address and other pertinent information that will allow the FinancialCertified to process your request for certification or membership. Any liability for false information submitted falls upon the candidate who has misled the FinancialCertified. The FinancialCertified awards and licenses to use the registered marks are furnished to members who claim and state that they do indeed satisfy all of the standards and requirements that the FinancialCertified has. These standards are to improve and recognize those who make a commitment to knowledge and education in the field of finance and investments. IF the candidate has sent information to us, we assume that Title 18 of the mail fraud statues apply to this and the submitter is supplying accurate information. Based on the information provided, we can easily determine if the candidate is dedicated to pursuing a career in an FinancialCertified related field and will follow the FinancialCertified continuing education and ethics guidelines. All contract disputes will be held to the jurisdiction and venue of the federal courts of the eastern district of Louisiana. Additionally, the FinancialCertified does not guarantee the character, skill, experience, education, ethics, or references of a member or certified member of our group. The FinancialCertified grants membership to anyone who is for the innovation and progress of the field of finance investments and economic industry. Certified members have all submitted application information with their electronic signature that assures the FinancialCertified that all education, ethics, testing, experience, references, talents, or skills are correct to the best of the knowledge of the applicant or candidate or submitter. Therefore, the FinancialCertified has provided the same degree of protection to the public as any undergraduate college as to information provided and verification. The FinancialCertified accepts no liability as to the skill and expertise of a member or certified member. These members are operating independently of our group and have been awarded membership and certification purely based on their submissions to us that have assured us that they have met the standards that the FinancialCertified requires. If a member is in fact not qualified, the general public has a duty to notify the FinancialCertified as to the certified members skill and the FinancialCertified can have a hearing or review and notify the member of certified member as to the review. The FinancialCertified has formal and informal alliances. The FinancialCertified has hundreds of members and the bylaws and charter allow: "FinancialCertified recognizes 1000 Charter Members". The FinancialCertified has been endorsed by the American E-Commerce Association and is in full alliance with the FinancialCertified until stated otherwise. Links To Other Sites Throughout the FinancialCertified and FinancialCertified CERTIFICATIONS Web site, there are links to various external sites that are of use to visitors. The external sites that have been linked contain information created and maintained by institutions or organizations independent of the FinancialCertified CERTIFICATIONS Board. In consequence, the FinancialCertified CERTIFICATIONS Board does not control the content of these sites, nor does the Board make any representation or warranty, either express or implied, concerning the accuracy, completeness, or timeliness of information contained therein. Use of any information from these sites is voluntary, and reliance on such information should only be made after an independent review of its accuracy. Reference to specific commercial products or services in these sites does not constitute or imply endorsement by the FinancialCertified CERTIFICATIONS Board. Any rights not expressly granted herein are reserved. © Once again, all content is copyrighted. All marks are trademarked under federal common law. FinancialCertified CERTIFICATIONS and American Academy of Financial Management and Analysts is a common law trademark in the USA. All marks and text are protected through international treaties, EU and GATT protections, and Intellectual property laws. FinancialCertified has members in a host of foreign countries and in the US. These members are exercising their right to use the FinancialCertified CERTIFICATIONS or mark in commerce. © This site is not intended for non-citizens of the United States

Because we are an academic organization run by college professor professionals, we may from time to time have a call for papers CFP for articles to be contributed to our online viewers. Any reference to CFP would be a reference to a long standing english ues of the "Call For Papers" in the Academic world which has probably been used for over 50 years.Trademarks, Intellectual Property, Copyrights, Tradename, Service Marks etc. If you or any entity have a potential conflict with our use of any mark, it is you duty to notify us immediately so we may contact you regarding any dispute. We will prove our common law, copyright, and trademark protection and use of marks and names immediately, or we may prompty remove the conflicted mark to avoid any conflict or dispute. Any trademark of copyright dispute is subject to the laws, jurisdiction and venue of the Louisiana Federal Courts of the Eastern District of Louisiana in New Orleans.CERTIFIED FINANCIAL ANALYST ™ IS A SERVICE MARK recently OWNED BY THE AMERICAN ACADEMY OF FINANCIAL MANAGEMENTChar. Financial Professional was a registered Service mark but was effectively changed to MFP Master Financial Professional by our worldwide organization.AAFM American Academy of Financial Management, LC is a Louisiana Limited Liability Corporation/Companycontact us at info@icecc.com

The American Academy of Financial Management Analysts was conceived and developed by professionals such as financial specialists, chartered financial professionals, wealth managers, asset managers, lawyers, university professors, and investment managers. Our programs are designed to accommodate the busy professional. Other Certification programs are riddled with problems because they: Take years to complete, are unrealistic, use poorly designed tests (outdated to new treasury or tax regulations), are cumbersome, and costs are unreasonable. Our Top-Class organization can recognize those who have taken many postgraduate/college exams, attended many courses and conferences focusing on continuing education, and accumulated specific on-the-job experience and education. FinancialCertified designations, charters, & certifications are for those professionals who have already proved themselves in the industry. After you have completed the application and become a member and been awarded your designations and credentials, you will be recognized by the FinancialCertified in your career goals and listed on our Global Registry. If you desire to be a member before you meet the experience and education requirements, you may apply for membership, but you will submit all certification information when you meet experience and other requirements. Moreover, student memberships are available. If you meet the requirements and criteria to become certified and receive a charter, you will become a "FinancialCertified" or "FinancialCertified" which is a "Fellow or Diplomate of the American Academy of Financial Management Analysts" and have full use of the designations to use after your name. AAFM American Academy of Financial Management Legal Disclaimer and Terms of Visiting our Site and Submitting Application YOUR DIGITAL SIGNATURE AND DATE SHOULD BE AFFIXED TO YOUR APPLICATION AFFIRMATIVELY CONFIRMING THAT YOU ARE THE PERSON WHO IS APPLYING FOR MEMBERHIP AND DESIGNATION AND ALL FACTS THAT YOU CONVEY TO US USING E-COMMERCE ARE TRUE AND CORRECT TO THE BEST OF YOUR KNOWLEDGE.

You are not receiving a CPF™ License or a charter to be a financial analyst. Please leave our site if a financial planner insurance salesperson certification is what your desire.

If you read this site you are consenting to not disclose the information contained in this website in any hearing or legal manner or in any government forum without notifying AAFM first of your committment to discuss our business in a forum such as a deposition or judicial or any other government related setting. You must notify us within 30 days of your intention of using our name or dissiminating our content in any manner shape or form in any government regulated forum or any academic setting which your testimony o r exhibits will be made part of the record of any record system.

No refunds are given once you consent to receive the AAFM membership and designations. The cost of membership is the full cost of your payment. The designation or certification recognition is free and complimentary to your joining and paying the full fee.for any charter, designation or credential or certification.. Membership is for 1 year. You consent to paying membership dues each year unless you notivfy us in writing.

.THE FOLLOWING SHOULD BE READ VERY CAREFULLY BY THE APPLICANT

1. I hereby certify that I have read and understand the foregoing statements and that my responses are true and correct to the best of my knowledge.

2. I hereby apply for the registration and designation with the AAFM and, in consideration of such organization receiving and considering my application, I submit myself to the jurisdiction and venue of such association and organization and do hereby verify that I agree to abide by, comply with, and adhere to all the provisions, criteria, conditions and covenants of the requirements, statutes, certificates of incorporation, bylaws and rules and regulations of the AAFM organization as they are and may be adopted, changed or amended from time to time at AAFM discretion, and I agree to comply with, be subject to and abide by all such requirements and all rulings, orders, directives and decision of, and penalties, prohibitions and limitations imposed by such AAFM organization, subject to right appeal as provided by law, and I agree that any decision of such AAFM organization as to the result of any examination(s) that I may be required to pass will be accepted by me as final.

3. I further agree that neither the AAFM organization nor its officers, employees, and others acting on its behalf, shall be liable to me or anyone for action taken or omitted to be taken in official capacity or in the scope of employment, except as otherwise provided in the statutes, constitutions, certificates or incorporation, bylaws, or the rules and regulations of such organization.

4. I authorize the AAFM organization to make available to any federal, state or municipal agency, or any securities or commodities industry self-regulatory organization, any information they have concerning me or to request confirmation of my status, and I release those organizations, employees and agents, from any and all liability of whatever nature by reason of furnishing such member or designation holder information.

5. Furthermore, I agree that any part of the information contained in this application and any subsequent documents in my AAFM registration file may be divulged to interested parties as part of the referral system maintained by the Association for the benefit of members and the public.

6. I hereby certify that I have a sound record of business integrity with no suspension or revocation of any professional licenses, and I hereby subscribe to the AAFM Code of Ethics, a copy of which I have read and understand.

7. It is agreed and understood that any material misrepresentation of facts or information given in this or subsequent application or renewal will be cause for immediate revocation of membership and all its privileges, without refund of any dues or fees paid.

8. I agree to maintain proficiency in my work by completing a minimum of forty (10) units per year of continuing education in the field of financial counseling or my specialty field - which can include subjects relating to practice management or financial product application.

9. As an applicant for registration, I understand and agree that my registration with the AAFM will not become effective until submission of all required documentation in proper order and upon written acceptance by the AAFM.

10. I understand that all AAFM certificates remain the property of the Academy and must be destroyed or returned to the Academy AAFM at my expense should my membership be suspended, revoked or terminated for any reason.11. I understand that this is a certifiate and not a diploma. We are not a university or college, nor do we offer degrees. Therefore, you are applying to a society which has a board of standards and designations. These designations are available to individuals who have submitted a resume and other biographical information regarding their experience education and other training. If you submit all of this information to AAFM in good faith and become a member and designation holder, then you have an ethical and legal agreement to us not to speak negatively about our organization. Thus, you are agreeing not to use any means of communication to disparage or attack the credibility of our organization while you are a member or after you have processed any transaction with us.

* Any and All transactions with this organization must be properly documented by the applicant and applicant must notify the herein organization of any intended payment or registration payment with the officially recognized and formal expense notification from your jurisdiction with name, business name, tax ID, business ID, address, email and phone. If the applicant or new member does not provide all of the required documentation of registration by mail or email, then any and all non-formalized and compliant transactions are considered a donation or gift until otherwise noted or established while the membership and certification is also a gift or scholarship.

YOUR DIGITAL SIGNATURE AND DATE SHOULD BE AFFIXED TO YOUR APPLICATION AFFIRMATIVELY CONFIRMING THAT YOU ARE THE PERSON WHO IS APPLYING FOR MEMBERHIP AND DESIGNATION AND ALL FACTS THAT YOU CONVEY TO US USING E-COMMERCE ARE TRUE AND CORRECT TO THE BEST OF YOUR KNOWLEDGE.ADDENDUM MANDATORY: This application must be accompanied by proper documentation of all requirements. A copy of any license, diploma, or similar documents is acceptable. AAFM will not assume responsibility for loss of any original documents sent through the mail.1. Applicant must have earned a baccalaureate or graduate degree, with strong emphasis on subjects relating to economics, accounting, business, statistics, finance, investments, and similar studies, or one of the following degrees or professional designations: AAMS, AEP, CAM, CEP, CFA, MFP Master Financial Professional, chartered financial professional, ChFC, CWM, CLU, CMA, CPA, CPA/PFS, CPIM, CTEP, EA, MSFS, MS, MBA, JD, LLB, LLM, or completed a master financial professional equivalent or AAFM approved college curriculum at an accredited college or university. If not, an AAFM qualifying examination is available.

2. Application must have met licensing requirements for securities and life and health insurance. (Send copy of licenses, etc.) OR

3. Applicants who are fee-only planners or advisors and are not licensed must submit RIA affiliation information or explanation.

NOTE: Licensing requirements are solely to establish an applicant's proficiency with areas in which financial consultants should be knowledgeable. It is not required that an AAFM sell a product or maintain such licenses or other professional designations.The information and services provided by the AAFM website ("Website") does not constitute legal, financial, investment or tax advice. The Website is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. You are advised to discuss your specific requirements with an independent financial adviser lawyer or licensed professional prior to entering into any binding contracts or making important decisions..

While we try to make the Website comparison service as comprehensive as possible, the information on financial products and services provided by the Website may not include all products and services that are available on the market.

Some products and services may be available at a lower or higher cost than listed on the Website, for example, where an someone has negotiated special terms with a product provider.

Much of the information and data about financial products and services on the Website is provided to us by third party . While we take reasonable care to ensure that the information on the Website is accurate and up to date, there may be occasions when this is not possible. For instance, when a product provider changes product rates or features, a period of time may elapse before we are notified of such a change and are able to update the Website. While we take reasonable care to ensure that the information on the Website is accurate and up to date, neither AAFM nor its suppliers warrant that it is. You acknowledge and agree that neither AAFM nor its suppliers have any control over the accuracy or completeness of third party data and all liability in respect of the same is expressly excluded to the maximum extent permitted by law.

If you intend to act on any information on the Website you should first confirm the details of the product or service (including costs and key features) with the product provider.

If you are in any doubt as to the suitability of a product or service that you are intending to purchase or any aspect of your personal finances, we recommend that you seek independent advice from a licensed professional first.

The Website is specifically designed for use in the State of Louisiana, USA only and the information on it relates to products and services marketed to residents of the Louisiana only. You must not use the Website in countries where its use is restricted or prohibited by local laws, regulations, codes or customs. We recommend that Non LA, US residents should refer to a source of financial information within their own country.

QUESTIONS RELATING TO BUSINESS AND ETHICAL CONDUCT

Have you ever had a license, permit, certificate, registration or membership denied, suspended, revoked or restricted, or had an application withdrawn for cause? Have you ever been refused a surety bond? Have you ever been enjoined permanently or temporarily from selling or dealing in securities or from functioning

as an Investment Advisor?

Have you ever become insolvent, failed in business or compromised with creditors? If "Yes" - please give date, name and location of court, disposition, liabilities, and assets.Have you ever been the subject of any order, judgement, decree or other sanction of a foreign court, foreign exchange, or foreign or domestic governmental or regulatory agency? Have you ever been arrested, indicted, or convicted for any felony or misdemeanor, except for minor traffic offenses? Have you ever been known personally by any other name, or have you ever conducted business or carried brokerage or bank accounts in any other name?IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS "YES", PLEASE EMAIL A WRITTEN EXPLANATION.

Requests for Voids or Refunds should be made in writing within 30 days of payment or registration

"AAFM American Academy of Financial Management, LC" Privacy Statement

"AAFM American Academy of Financial Management, LC" is highly sensitive to the privacy interests of consumers and believes that the protection of those interests is one of its most significant responsibilities. In acknowledgment of its obligations, "AAFM American Academy of Financial Management, LC" has adopted the following Privacy Policy applicable to information about consumers that it acquires in the course of its business:

1. Acquisition of Information. We do not acquire any more information about consumers than is required by law or is otherwise necessary to provide a high level of service efficiently and securely.

2. Our Employees and Privacy. We train all of our employees about the importance of privacy. We give access to information about consumers only to those employees who require it to perform their jobs.

3. Security Measures. We make access to privacy-sensitive information subject to rigorous procedural and technological controls, consistent with legal requirements and the demands of customer service.

4. Disclosure to Third Parties. We will provide individually-identifiable information about consumers to third parties only if we are compelled to do so by order of a duly-empowered governmental authority, we have the express permission of the consumer, or it is necessary to process transactions and provide our services.

5. Privacy and Our Business Partners. When we make our technology or services available to business partners, we will not share with them any more consumer information than is necessary, and we will make every reasonable effort to assure, by contract or otherwise, that they use our technology and services in a manner that is consistent with this Privacy Policy.

Questions. If you have questions about this privacy policy, please send an e-mail to "info@ financialanalyst.org"

Any publication by AAFM or another party in the past related to AAFM or its affiliation with anybody that has been distributed in print, web or any form can not be changed or altered. Please contact any other party or individual regarding that printing or link and request a change or retraction if necessary. You absolve AAFM of any liability regarding any prior printing. By reading anything on this website, you agree to these terms.

You must also contact AAFM regarding any mistake or action regarding this organization that relates to this organization or website. You must contact us 30 days before taking any action against AAFM or its affiliated persons or entities. You agree that AAFM has the right to mediation or arbitration in the State of Louisiana and in Metairie, LA USA regarding any dispute.

* This new handbook applies to all international members and at this juncture, there are many agencies and laws that already regulate US and Canadian Citizens. All members agree to abide by the respective laws of their respective jurisdictions, cities, states, countries and sovereign nations. . The statements, policy and information in this handbook apply to all viewers and members outside of North America. Please also read disclaimer and terms. Handbook in no way constitutes a contract, agreement or otherwise with viewers, members, certificate holders or fellows. All Names and Company names in the handbooks are the respective intellectual property, copyright or trademark of the owner. All Rights Reserved 2005-8 and The AAFM is a Global Academic Organization that supports high ethics and professionalism within all regulated industries.

Disclaimer regarding the FINR-A/NAS-D Please read this disclaimer.

http://apps.nasd.com/investor%5FInformation/resources/designations/

To search Trademarks, please visit here: SEARCH

The Charter Investment Corp. of Louisiana est. 1951 was one of the inspirations for the development of the AAFM.

COPYRIGHT POLICY

AAFM CyberCrime Unit

In order to qualify for DMCA safe harbor protection, a service provider who hosts content must:

have no knowledge of, or financial benefit from, infringing activity on its network

have a copyright policy and provide proper notification of that policy to its subscribers - All images and content not belonging to AAFM is the property of the respective owners. AAFM has acted in good faith with use of all content and images, and will gladly remove any image or content that is an evidenced violation of copyright laws. http://www.chillingeffects.org/dmca512/ Many images and thumbs may be avialble for purchace on websites such as Getty/IMAGES.

List an agent to deal with copyright complaints: Please contact G. Mentz, Esq. Attorney at Law for any copyright complaints immediately upon discovery. CONTACT AAFM or info @ financial analyst.org

Points to remember: Directing users to the full-size images on the infringing websites isn’t a direct infringement, since the other website was displaying the image. http://www.publicknowledge.org/node/947

We do not guarantee that credentials, designations, certifications, or qualifications will be sanctioned, recognized or allowed by any employer, licensing body, or government. We do not guarantee any employment or salary. The improvement of any resume is subjective and the actual hiring company or public decide whether your extra efforts, memberships, credentials or certifications will add weight to your ability to promote yourself.

1. Acquisition of Information

We do not acquire any more information about consumers than is required by law or is otherwise necessary to provide a high level of service efficiently and securely.

2. Our Employees and Privacy

We train all of our employees about the importance of privacy. We give access to information about consumers only to those employees who require it to perform their jobs.

3. Security Measures

We make access to privacy-sensitive information subject to rigorous procedural and technological controls, consistent with legal requirements and the demands of customer service.

4. Disclosure to Third Parties

We will provide individually-identifiable information about consumers to third parties only if we are compelled to do so by order of a duly-empowered governmental authority, we have the express permission of the consumer, or it is necessary to process transactions and provide our services.

5. Privacy and Our Business Partners

When we make our technology or services available to business partners, we will not share with them any more consumer information than is necessary and we will make every reasonable effort to assure, by contract or otherwise, that they use our technology and services in a manner that is consistent with this Privacy Policy.

If you have questions about this privacy policy, please send an e-mail to "info@ financialanalyst.org"

" AAFM American Academy of Financial Management, LC" is highly sensitive to the privacy interests of consumers and believes that the protection of those interests is one of its most significant responsibilities. In acknowledgment of its obligations, " AAFM American Academy of Financial Management, LC" has adopted the following Privacy Policy applicable to information about consumers that it acquires in the course of its business: Home | Join Now | Courses | Providers | Locations | Certification | Stay Certified | Articles | My AAFM

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AAFM ® Board Mission Statement

1. Continue as a "World Class Certifying Body"
2. Promote high standards and Quality Assurance as a Global Accreditation Council.
3. Globally Promote Accredited Program Courses and Exams and the Norm.
4. Work with governments and institutions to promote the standards for each Certification, Charter, and Masters Designation.
5. Provide forward looking ethics and codes of conduct that benefits society, industry and the public.
6. Be a positive and constructive voice in finance on the Global Stage.
7. Assist executive assessment and development of financial professionals interested in investments, financial planning, corporate finance, estate planning, asset management, risk management, taxation, and market and financial analysis.
8. Promote and protect the integrity of the AAFM Certification, Charters, Designations, Membership, alliances, articuations, both nationally and internationally.
9. Provide a structure for interaction between members and the professional financial community, business executives, government finance officials, and finance related academic professionals.
10. Enhance employment opportunities for AAFM Members at all levels via networking, training, and outreach.
11. To continue to grow internationally with specialized on-site executive training available at select colleges and training centers.
12. Improve the knowledge and education of the public at large as an investment and financial industry information clearinghouse.

To apply for a portfolio review to see if you pre-qualify,please email your resume or CV using our application form

Accredited Certification Standards of AAFM ®

1. AAFM ® awards Certification to successful graduates of the online law school courses which are from an Accredited Law School. AAFM ® is the first in the WORLD to have an alliance with an Accredited Law School. www.llmprogram.tjsl.edu
2. The AAFM ® American Academy is The First to Directly Recognize by Articulation the Highest Certifications Standards including:

1. Accredited Programs
2. Government Recognized Programs
3. Exams from Accredited Programs
4. Double Accreditation
5. Government Licenses