Carruth Compliance Consulting Legal Information

ALERT!! Effective 08/08/2008, no changes will be made to CCC’s legacy website, now with Internet address www.ncompliancelegacy.com. Henceforth, www.ncompliance.com goes directly to CCC's new, dynamic, database supported website.

For many months now, CCC has been developing and testing a new, dynamic, database-supported website, which now resides at www.ncompliance.com, while at the same time maintaining this website, which is now our legacy website (www.ncompliancelegacy.com). Development of the new website was essential to allow CCC to provide dedicated sections of its website to more than 50 new clients accumulated since publication of the Final 403(b) Regulations on July 23, 2007. We chose completion of the Plan Document System on the new website as the appropriate time to migrate from the legacy website, even though considerable work remains to be done. Specifically, we will be working with Vendors through the end of calendar year 2008 to incorporate updated Vendor information into the new website. Moreover, 457(b) Deferred Compensation Plan (DCP) information remains only on this legacy website, but those CCC clients for which we are managing their 457(b) Plans may continue to refer to this legacy website until the full migration has been accomplished.

We are very proud of our new website, especially the Plan Document System and the Content Management System (CMS), which allows Client Employers and Vendors to manage the content of their own sections of the website. We hope you share our enthusiasm and will create links form your own websites to your dedicated sections of the CCC website. Doing so will provide everything your employees need to know about their 403(b) Program.

TERMS OF USE

All use of CCC, Inc.'s ("CCC") World Wide Web pages and the World Wide Web pages of all other Web sites owned and operated by CCC ("CCC Online") is subject to the terms and conditions set forth below. Any use of such Web pages constitutes the user's agreement to abide by the following terms and conditions. CCC may change the terms of use for CCC Online. When the terms are changed, the changes will appear in this document. By using CCC Online after any change in the document is posted, you agree to be bound by all of the changes as well. You should consult this page at any time you have a concern about CCC Online terms of use.

All information provided by CCC and its affiliates is owned by or licensed to CCC; CCC and its licensors retain all proprietary rights to CCC Online. CCC has the right to use all material entered into these Web pages (other than third-party material transmitted through private electronic mail) in any of CCC's print or electronic publications. CCC grants you the limited right to download or print one copy of selected, limited portions of CCC Online for your personal and non-commercial use only. Unless you have obtained the written permission of CCC, Inc., you may not (i) reproduce or transmit CCC Online in any form or by any means (electronic, mechanical, photocopying, recording, or otherwise), except to the extent of the grant in the above sentence, or (ii) use CCC Online for advertising or promotional purposes, general distribution, creating new collective works, or for resale, or (iii) provide links to a Web page of CCC Online, other than a link to an un-obscured homepage.

CCC MAKES NO GUARANTEES OR WARRANTIES AS TO THE ACCURACY OR COMPLETENESS OF OR RESULTS TO BE OBTAINED FROM ACCESSING AND USING CCC ONLINE. CCC ONLINE IS PROVIDED "AS IS" WITH NO WARRANTY, EXPRESS OR IMPLIED, AND ALL SUCH WARRANTIES ARE HEREBY DISCLAIMED. NEITHER CCC NOR ITS AFFILIATES SHALL BE LIABLE TO ANY USER OR ANYONE ELSE FOR ANY INACCURACY, ERROR OR OMISSION, REGARDLESS OF CAUSE, IN CCC ONLINE OR FOR ANY DAMAGES RESULTING THEREFROM. CCC is not engaged in rendering legal, accounting or other professional services. If legal advice or other expert assistance is required, the services of a competent professional person should be sought.

Users entering materials on any of these Web pages are responsible for the content of that material. CCC has no responsibility for the content of any messages or information posted by users, or for the content of information of third parties on the Internet, even if accessed through CCC Online pages. However, CCC retains the right, which it may or may not exercise, in its sole discretion, to review, edit or delete from the service any third-party material that CCC deems to be illegal, offensive or otherwise inappropriate.

Users may through hypertext or other computer "links" gain access to other sites on the Internet that are not part of CCC Online. CCC assumes no responsibility for any material outside of CCC Online that may be accessed through any such "link." ." Any links on the CCC Web site to information created and maintained by other organizations are provided for the convenience of our users and do not represent an endorsement of that information or a guarantee of its accuracy, timeliness, or continued availability. CCC does not endorse, warrant or guarantee any products or services described or offered on other sites. References to materials, or links to other sites, are for general informational purposes only and are not intended to be relied upon for any purpose. CCC is not responsible for the contents of any Web sites that choose to link to the CCC website.

The user agrees to indemnify CCC from any damages, losses, costs or expenses which CCC, its affiliates, their respective employees and authorized representatives may incur as a result of material entered into these Web pages by the user.

The Terms of Use are governed by and construed in accordance with the laws of the State of Oregon.

Via Electronic Mail (E-mail)
The most efficient means of communication with Carruth Compliance Consulting, Inc. (CCC) is via electronic mail (email). To send a message, ask a question, or make a request, click on the following link:

Via Telephone Or Fax
Telephone: 503.968.8961
Fax: 503.968.7802

Via Standard Mail Carriers
Carruth Compliance Consulting, Inc.
10555 SW Lady Marion Drive
Tigard, OR 97224-3529


INTERNET PRIVACY POLICY

Carruth Compliance Consulting, Inc. ("CCC"), has developed this privacy statement for you, the visitor, to demonstrate its commitment to privacy on the Internet. The CCC Internet Privacy Policy contains the following about the information gathering and dissemination practices for www.ncompliancelegacy.com and all other Web sites owned and operated by CCC:

1. Collection of Personal Information from Site Visitors
2. Use of Personal Data Collected
3. Disclosure of Personal Data to Third Parties
4. Security Measures
5. Opt-Out Right
6. Access to and Ability to Correct Personal Data
7. CCC's Right to Contact User
8. CCC's Right to Change Privacy Policy
9. How to Contact CCC

1. Collection of Personal Information from Site Visitors

CCC may collect and/or track (1) the home server domain names, e-mail addresses, type of client computer, and type of Web browser of visitors to CCC's Web site, (2) the e-mail addresses of visitors that communicate with CCC via e-mail, (3) information knowingly provided by the visitor in online forms, registration forms, surveys, and (4) aggregate and user-specific information on which pages visitors access.

CCC may place Internet "cookies" on visitors' hard drives. Internet cookies may save data about individual visitors, such as the visitor's name, password, user-name, shopping cart, screen preferences, the pages of a site viewed by the visitor, and the advertisements viewed or clicked by the visitor. When the visitor revisits CCC's Web sites, the sites may recognize the visitor by the Internet cookie and customize the visitor's experience accordingly. Visitors may not decline or disable Internet cookies while visiting CCC's Web sites, as the sites may not function properly.

Visitors have the right to delete the Internet cookies placed on the visitors' hard drives at any time. Doing so will erase the data about the individual visitor such that when the visitor revisits CCC's Web sites (in a new session), the sites will not recognize the visitor.

When a visitor performs a search within CCC's Web site, CCC may record information identifying the visitor or linking the visitor to the search performed. CCC may also record limited information for every search request and uses that information only to solve technical problems with the service and to calculate overall usage statistics.

2. Use of Personal Data Collected

Personal data collected by CCC may be used by CCC for editorial and feedback purposes, for marketing and promotional purposes, for a statistical analysis of users' behavior, for product development, for content improvement, to inform clients as to how many visitors have seen or clicked on their website sections, or to customize the content and layout of CCC's site. Aggregate data on visitors' home servers may be used for internal purposes or provided to third parties, such as advertisers. Individually identifying information, such as names, postal and e-mail addresses, phone numbers, and other personal information which visitors voluntarily provide to CCC may be added to CCC's databases and used for future calls and mailings regarding site updates, new products and services, upcoming events, and status of orders placed online.

3. Disclosure of Personal Data to Third Parties

CCC does not sell, rent, share or intentionally make publicly available any individually identifying information. CCC may disclose to third parties only information in aggregate form, that is publicly available, and/or that is knowingly and voluntarily disclosed by visitors. If there are advertisements on CCC's Web site, the advertiser(s) may be electronically notified when visitors view or click on its advertisements.

4. Security Measures

CCC has implemented numerous security features to prevent the unauthorized release of or access to personal information. In particular, when a visitor places an order on this site (if any) or accesses his or her account information (if any), CCC offers the visitor the ability to use a secure server. The secure server encrypts all information a visitor inputs before it is sent to CCC, and is also used to securely store personal information. Please be advised, however, that while CCC has endeavored to create a secure and reliable site for visitors, the confidentiality of any communication or material transmitted to/from CCC via this site or e-mail cannot be guaranteed. Accordingly, CCC is not responsible for the security of information transmitted via the Internet.

5. Opt-Out Right

Visitors may opt out of having their personal information collected by CCC, used by CCC for secondary purposes, disclosed to third parties, or used by CCC or third parties to send promotional correspondences to the visitor, by contacting CCC via postal mail, e-mail, or telephone at the addresses above.

6. Access to and Ability to Correct Personal Data

Upon request via postal mail, e-mail, or phone, CCC will provide to visitors a summary of any personal information retained by CCC regarding the visitor. Visitors may modify, correct, change or update their personal record or cause their personal record to be removed from CCC's database. CCC will only send personal records to the e-mail address on file for the visitor name associated with it.

7. CCC's Right to Contact User

CCC reserves the right to contact site visitors regarding account status and changes to the subscriber agreement, privacy policy, or any other policies or agreements relevant to site visitors.

8. CCC's Right to Change Privacy Policy

The foregoing policy is effective as of August 1, 2002. CCC reserves the right to change this policy at any time by notifying visitors of the existence and location of the new or revised privacy policy. By entering the CCC website you are accepting all terms and conditions outlined in the above CCC Internet Privacy Policy.