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RMI ENERGY PORTAL WEBSITE TERMS AND CONDITIONS

These RMI Energy Portal Terms and Conditions (the "Website Terms and Conditions") govern your use of the RMI Energy Portal, your receipt of any premium or subscription-based services and information made available through the RMI Energy Portal, and your use of any demonstrations or versions of products available through the RMI Energy Portal (collectively, the "Services"). The RMI Energy Portal is provided by RMI Consulting Inc. (collectively, "RMI," also referred to as "we" or "us"), and these Website Terms and Conditions constitute an agreement between you and RMI. Some of the services, information and products available from RMI or third parties through the RMI Energy Portal may also be governed by additional agreements. To the extent that there is any conflict between these Website Terms and Conditions and any separate written agreement you have executed or otherwise entered into with RMI regarding any premium or subscription-based services or information available through the RMI Energy Portal, the terms of such separate agreement shall control. 
Please read these Website Terms and Conditions carefully; they impose legal obligations on you and govern your relationship with us. By accessing any of the RMI Energy Portal or using the Services, you are acknowledging that you have read and understood these Website Terms and Conditions and agree, without limitation or qualification, to be legally bound by, and to comply with, them. 
In addition, if you register as a user (a "Subscriber") of any of the features of our RMI Energy Portal or Services offered through our RMI Energy Portal during the registration process you may be prompted to click an "I Accept," "Submit" or similar button; your clicking on such button will further confirm your agreement to be legally bound by these Website Terms and Conditions and any additional terms and conditions of service that we may present to you at that time. 

1.0 CONDITIONS ON PARTICIPATION
You acknowledge and agree that RMI may terminate your access to the RMI Energy Portal and the Services should you fail to comply with the Website Terms and Conditions. Any such termination shall be in RMI's sole discretion and may occur without prior notice, or any notice. RMI  further reserves the right to terminate any user's access to the RMI Energy Portal or the Services for any conduct or activity that RMI, in its sole discretion, believes is or may be directly or indirectly harmful to other users, to RMI, or for any conduct or activity that violates any local, state, federal, or foreign laws or regulations. RMI further reserves the right to terminate any user's access to the RMI Energy Portal or Services for any reason or for no reason at all, in RMI's sole discretion, without any prior or other notice. The Services and RMI Energy Portal are made available solely as a convenience to you for general informational purposes. 

2.0 DISCLAIMER REGARDING CONTENT 
RMI cannot and does not represent or guarantee that any of the information available through the Services or RMI Energy Portal is accurate, reliable, current, complete or appropriate for your needs. Various information available through the Services or RMI Energy Portal may be provided by parties with whom RMI has no relationship (or no relationship other than one established through these Website Terms and Conditions). Some other information available through the Services or RMI Energy Portal may be specially obtained by RMI from professional businesses or organizations, such as exchanges, news providers, market data providers and other content providers who are believed to be sources of reliable information (collectively, the "Data Providers"). Nevertheless, due to various factors — including the inherent possibility of human and mechanical error — the accuracy, completeness, timeliness, results obtained from use, and correct sequencing of information available through the Services and RMI Energy Portal are not and cannot be guaranteed by RMI.

3.0 OWNERSHIP OF INFORMATION; DOWNLOADING OF MATERIALS; RETRANSMISSION AND REDISTRIBUTION OF DATA
Unless otherwise noted, all right, title and interest in and to the RMI Energy Portal, and all information made available through the RMI Energy Portal or the Services, in all languages, formats and media throughout the world, including all copyrights and trademarks therein, are and shall continue to be the exclusive property of RMI. To the extent that the RMI Energy Portal or the Services contain information from third parties pursuant to rights granted as a matter of law (such as principles of "fair use"), RMI owns all right, title, and interest (including copyright), in all languages, formats and media throughout the world, in the selection, arrangement and presentation of such information on the RMI Energy Portal or in the Services, as well as in the selection, arrangement, and presentation of all other content on the RMI Energy Portal and in the Services. Certain materials may be made available for download from the RMI Energy Portal. Subject to these Website Terms and Conditions, RMI grants you limited permission to download and copy such materials solely for your internal, non-commercial use; provided that all copyright notices appearing on the originals are duplicated on all copies thereof; and provided further that you do not modify the materials in any way. Without limiting any other right or remedy available to RMI at law or in equity, the limited permission herein granted will automatically terminate in the event you breach the terms of this paragraph and, in such event, you must destroy immediately all downloaded materials in your possession, custody or control.

EXCEPT AS OTHERWISE EXPRESSLY PERMITTED BY THE PRECEDING PARAGRAPH, YOU AGREE NOT TO REPRODUCE, RETRANSMIT, DISSEMINATE, SELL, DISTRIBUTE, PUBLISH, BROADCAST OR CIRCULATE ANY OF THE SERVICES OR MATERIALS IN ANY MANNER OR FOR ANY PURPOSES (WHETHER PERSONAL OR BUSINESS) WITHOUT THE PRIOR EXPRESS WRITTEN CONSENT OF RMI. IN ADDITION, YOU SHALL NOT, WITHOUT THE PRIOR EXPRESS WRITTEN CONSENT OF RMI,  MAKE COPIES OF ANY OF THE SOFTWARE OR DOCUMENTATION THAT MAY BE PROVIDED, ELECTRONICALLY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, TRANSLATING, DECOMPILING, DISASSEMBLING OR CREATING DERIVATIVE WORKS. 

4.0 DISCLAIMER REGARDING LINKS AND OTHER THIRD PARTY CONTENT
The RMI Energy Portal and Services may provide you with the ability to access a variety of information, material or other content from third parties ("Third-Party Content"), including through links to other forums on which users or other third parties, themselves, may post Third-Party Content. Whenever you access Third Party Content, YOU PROCEED AT YOUR OWN RISK. You understand and agree that such third parties are solely responsible for any such content, and you further agree that RMI is not, and will not be, liable for any content or other material posted or otherwise provided by third parties. You further acknowledge that RMI does not control the third parties who provide Third-Party Content, does not necessarily (and is not obligated to) review or screen any Third-Party Content either before or after it becomes available through the RMI Energy Portal and Services, and cannot and does not guarantee, attest to, verify, or otherwise warrant that any Third-Party Content is or will be accurate; free from errors, defects or harmful elements; consistent with what it purports to be; appropriate to fit your needs; or otherwise safe or non-objectionable. 

5.0 SHARED FILES; INFORMATION YOU DOWNLOAD
RMI cannot and does not guarantee or warrant that information available for downloading through the RMI Energy Portal or Services will be free of infection or viruses, worms, Trojan horses or other code that manifests contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy and security of data input and output, and for maintaining a means external to RMI for the reconstruction of any lost information.
	
6.0 DISCLAIMER REGARDING INVESTMENT DECISIONS AND TRADING
Decisions to buy, sell, hold or trade in commodities and other investments involve risk and are best made based on the advice of qualified financial professionals. Any trading in commodities or other investments involves a risk of substantial losses. Under no circumstances shall we be liable for any loss or damage you or anyone else incurs as a result of any trading or investment activity that you or anyone else engages in based on any information or material you receive through the RMI Energy Portal or our Services. 

7.0 NO ADVICE OR SOLICITATION
The RMI Energy Portal and Services are for informational purposes only and should not be used or construed as an offer to sell, a solicitation of an offer to buy, or an endorsement, recommendation or sponsorship of any company or security by RMI, its affiliates, officers, directors, employees agents or representatives. You acknowledge and agree that neither the RMI Energy Portal nor any of the Services is intended to supply investment or financial advice. RMI offers no advice regarding the nature, potential value, or suitability or any particular commodity, transaction, investment or investment strategy. You acknowledge and agree that the use of the RMI Energy Portal and Services, and any decisions made in reliance upon the RMI Energy Portal and Services are made at your own risk.

8.0 DICLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
You agree that neither RMI, its affiliates, officers, directors, employees, agents or representatives shall have any liability, contingent or otherwise, for any lack of truthfulness, accuracy or timeliness of the RMI Energy Portal or the Services; for any lack of truthfulness, accuracy, timeliness, completeness or correct sequencing of the information made available through the RMI Energy Portal or the Services; for any decision made or action taken by you or anyone else in reliance upon such information or the RMI Energy Portal or the Services; or for any harm or injury resulting from any interruption or delay of any data, information or any other aspect of the RMI Energy Portal or the Services; or for any harm or injury resulting from any unsafe, illegal, defective or otherwise inappropriate or objectionable aspect of any information made available through the RMI Energy Portal or the Services. By way of example, and not by way of limitation, RMI shall not be liable for any loss resulting from a cause over which such entities do not have direct control, including but not limited to, the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, unauthorized access, theft, your errors, or events of force majeure.   

9.0 INDEMNIFICATION 
You agree to indemnify and hold harmless RMI, its affiliates, officers, directors, employees, agents and representatives from and against any and all claims, including, but not limited to, any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs, and attorney's fees, of every kind and nature, arising from or relating to your use of the RMI Energy Portal or the Services or the information made available through the RMI Energy Portal or the Services, and/or your violation of these Website Terms and Conditions or any third party's rights, including, but not limited to, copyright, proprietary rights, privacy rights, and rights under defamation law. 

10.0 DISCLAIMER OF RIGHT TO SUE
You release RMI, including its officers, directors, employees, agents or representatives from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with any dispute with any user of any of the RMI Energy Portal or Services, or arising in any way from content posted to any of the websites by any third party. 

11.0 YOUR CONSENT
By using our RMI Energy Portal, you agree to comply with, and be bound by these Website Terms and Conditions. If you do not agree with some, or all of these Website Terms and Conditions, you are not authorized to visit our RMI Energy Portal. 

12.0 CONTACT INFORMATION
RMI can be reached for questions or comments at 1-312-373-8250, toll-free at 1-888-288-0833, or by emailing info@riskmgmt.net.

RMI Energy Portal - Login

RMI ENERGY PORTAL WEBSITE TERMS AND CONDITIONS

These RMI Energy Portal Terms and Conditions (the "Website Terms and Conditions") govern your use of the RMI Energy Portal, your receipt of any premium or subscription-based services and information made available through the RMI Energy Portal, and your use of any demonstrations or versions of products available through the RMI Energy Portal (collectively, the "Services"). The RMI Energy Portal is provided by RMI Consulting Inc. (collectively, "RMI," also referred to as "we" or "us"), and these Website Terms and Conditions constitute an agreement between you and RMI. Some of the services, information and products available from RMI or third parties through the RMI Energy Portal may also be governed by additional agreements. To the extent that there is any conflict between these Website Terms and Conditions and any separate written agreement you have executed or otherwise entered into with RMI regarding any premium or subscription-based services or information available through the RMI Energy Portal, the terms of such separate agreement shall control. 
Please read these Website Terms and Conditions carefully; they impose legal obligations on you and govern your relationship with us. By accessing any of the RMI Energy Portal or using the Services, you are acknowledging that you have read and understood these Website Terms and Conditions and agree, without limitation or qualification, to be legally bound by, and to comply with, them. 
In addition, if you register as a user (a "Subscriber") of any of the features of our RMI Energy Portal or Services offered through our RMI Energy Portal during the registration process you may be prompted to click an "I Accept," "Submit" or similar button; your clicking on such button will further confirm your agreement to be legally bound by these Website Terms and Conditions and any additional terms and conditions of service that we may present to you at that time. 

1.0 CONDITIONS ON PARTICIPATION
You acknowledge and agree that RMI may terminate your access to the RMI Energy Portal and the Services should you fail to comply with the Website Terms and Conditions. Any such termination shall be in RMI's sole discretion and may occur without prior notice, or any notice. RMI  further reserves the right to terminate any user's access to the RMI Energy Portal or the Services for any conduct or activity that RMI, in its sole discretion, believes is or may be directly or indirectly harmful to other users, to RMI, or for any conduct or activity that violates any local, state, federal, or foreign laws or regulations. RMI further reserves the right to terminate any user's access to the RMI Energy Portal or Services for any reason or for no reason at all, in RMI's sole discretion, without any prior or other notice. The Services and RMI Energy Portal are made available solely as a convenience to you for general informational purposes. 

2.0 DISCLAIMER REGARDING CONTENT 
RMI cannot and does not represent or guarantee that any of the information available through the Services or RMI Energy Portal is accurate, reliable, current, complete or appropriate for your needs. Various information available through the Services or RMI Energy Portal may be provided by parties with whom RMI has no relationship (or no relationship other than one established through these Website Terms and Conditions). Some other information available through the Services or RMI Energy Portal may be specially obtained by RMI from professional businesses or organizations, such as exchanges, news providers, market data providers and other content providers who are believed to be sources of reliable information (collectively, the "Data Providers"). Nevertheless, due to various factors — including the inherent possibility of human and mechanical error — the accuracy, completeness, timeliness, results obtained from use, and correct sequencing of information available through the Services and RMI Energy Portal are not and cannot be guaranteed by RMI.

3.0 OWNERSHIP OF INFORMATION; DOWNLOADING OF MATERIALS; RETRANSMISSION AND REDISTRIBUTION OF DATA
Unless otherwise noted, all right, title and interest in and to the RMI Energy Portal, and all information made available through the RMI Energy Portal or the Services, in all languages, formats and media throughout the world, including all copyrights and trademarks therein, are and shall continue to be the exclusive property of RMI. To the extent that the RMI Energy Portal or the Services contain information from third parties pursuant to rights granted as a matter of law (such as principles of "fair use"), RMI owns all right, title, and interest (including copyright), in all languages, formats and media throughout the world, in the selection, arrangement and presentation of such information on the RMI Energy Portal or in the Services, as well as in the selection, arrangement, and presentation of all other content on the RMI Energy Portal and in the Services. Certain materials may be made available for download from the RMI Energy Portal. Subject to these Website Terms and Conditions, RMI grants you limited permission to download and copy such materials solely for your internal, non-commercial use; provided that all copyright notices appearing on the originals are duplicated on all copies thereof; and provided further that you do not modify the materials in any way. Without limiting any other right or remedy available to RMI at law or in equity, the limited permission herein granted will automatically terminate in the event you breach the terms of this paragraph and, in such event, you must destroy immediately all downloaded materials in your possession, custody or control.

EXCEPT AS OTHERWISE EXPRESSLY PERMITTED BY THE PRECEDING PARAGRAPH, YOU AGREE NOT TO REPRODUCE, RETRANSMIT, DISSEMINATE, SELL, DISTRIBUTE, PUBLISH, BROADCAST OR CIRCULATE ANY OF THE SERVICES OR MATERIALS IN ANY MANNER OR FOR ANY PURPOSES (WHETHER PERSONAL OR BUSINESS) WITHOUT THE PRIOR EXPRESS WRITTEN CONSENT OF RMI. IN ADDITION, YOU SHALL NOT, WITHOUT THE PRIOR EXPRESS WRITTEN CONSENT OF RMI,  MAKE COPIES OF ANY OF THE SOFTWARE OR DOCUMENTATION THAT MAY BE PROVIDED, ELECTRONICALLY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, TRANSLATING, DECOMPILING, DISASSEMBLING OR CREATING DERIVATIVE WORKS. 

4.0 DISCLAIMER REGARDING LINKS AND OTHER THIRD PARTY CONTENT
The RMI Energy Portal and Services may provide you with the ability to access a variety of information, material or other content from third parties ("Third-Party Content"), including through links to other forums on which users or other third parties, themselves, may post Third-Party Content. Whenever you access Third Party Content, YOU PROCEED AT YOUR OWN RISK. You understand and agree that such third parties are solely responsible for any such content, and you further agree that RMI is not, and will not be, liable for any content or other material posted or otherwise provided by third parties. You further acknowledge that RMI does not control the third parties who provide Third-Party Content, does not necessarily (and is not obligated to) review or screen any Third-Party Content either before or after it becomes available through the RMI Energy Portal and Services, and cannot and does not guarantee, attest to, verify, or otherwise warrant that any Third-Party Content is or will be accurate; free from errors, defects or harmful elements; consistent with what it purports to be; appropriate to fit your needs; or otherwise safe or non-objectionable. 

5.0 SHARED FILES; INFORMATION YOU DOWNLOAD
RMI cannot and does not guarantee or warrant that information available for downloading through the RMI Energy Portal or Services will be free of infection or viruses, worms, Trojan horses or other code that manifests contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy and security of data input and output, and for maintaining a means external to RMI for the reconstruction of any lost information.
	
6.0 DISCLAIMER REGARDING INVESTMENT DECISIONS AND TRADING
Decisions to buy, sell, hold or trade in commodities and other investments involve risk and are best made based on the advice of qualified financial professionals. Any trading in commodities or other investments involves a risk of substantial losses. Under no circumstances shall we be liable for any loss or damage you or anyone else incurs as a result of any trading or investment activity that you or anyone else engages in based on any information or material you receive through the RMI Energy Portal or our Services. 

7.0 NO ADVICE OR SOLICITATION
The RMI Energy Portal and Services are for informational purposes only and should not be used or construed as an offer to sell, a solicitation of an offer to buy, or an endorsement, recommendation or sponsorship of any company or security by RMI, its affiliates, officers, directors, employees agents or representatives. You acknowledge and agree that neither the RMI Energy Portal nor any of the Services is intended to supply investment or financial advice. RMI offers no advice regarding the nature, potential value, or suitability or any particular commodity, transaction, investment or investment strategy. You acknowledge and agree that the use of the RMI Energy Portal and Services, and any decisions made in reliance upon the RMI Energy Portal and Services are made at your own risk.

8.0 DICLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
You agree that neither RMI, its affiliates, officers, directors, employees, agents or representatives shall have any liability, contingent or otherwise, for any lack of truthfulness, accuracy or timeliness of the RMI Energy Portal or the Services; for any lack of truthfulness, accuracy, timeliness, completeness or correct sequencing of the information made available through the RMI Energy Portal or the Services; for any decision made or action taken by you or anyone else in reliance upon such information or the RMI Energy Portal or the Services; or for any harm or injury resulting from any interruption or delay of any data, information or any other aspect of the RMI Energy Portal or the Services; or for any harm or injury resulting from any unsafe, illegal, defective or otherwise inappropriate or objectionable aspect of any information made available through the RMI Energy Portal or the Services. By way of example, and not by way of limitation, RMI shall not be liable for any loss resulting from a cause over which such entities do not have direct control, including but not limited to, the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, unauthorized access, theft, your errors, or events of force majeure.   

9.0 INDEMNIFICATION 
You agree to indemnify and hold harmless RMI, its affiliates, officers, directors, employees, agents and representatives from and against any and all claims, including, but not limited to, any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs, and attorney's fees, of every kind and nature, arising from or relating to your use of the RMI Energy Portal or the Services or the information made available through the RMI Energy Portal or the Services, and/or your violation of these Website Terms and Conditions or any third party's rights, including, but not limited to, copyright, proprietary rights, privacy rights, and rights under defamation law. 

10.0 DISCLAIMER OF RIGHT TO SUE
You release RMI, including its officers, directors, employees, agents or representatives from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with any dispute with any user of any of the RMI Energy Portal or Services, or arising in any way from content posted to any of the websites by any third party. 

11.0 YOUR CONSENT
By using our RMI Energy Portal, you agree to comply with, and be bound by these Website Terms and Conditions. If you do not agree with some, or all of these Website Terms and Conditions, you are not authorized to visit our RMI Energy Portal. 

12.0 CONTACT INFORMATION
RMI can be reached for questions or comments at 1-312-373-8250, toll-free at 1-888-288-0833, or by emailing info@riskmgmt.net.

Topeka Office

Nicholas Dowell - Associate

Nick joined Risk Management Incorporated's Topeka, KS office in the spring of 2004 having received a Bachelor's degree from Kansas State University. As a member of the IT Operations team, he is actively involved with the daily maintenance of RMI's software systems including Know-Risk™, RMI’s proprietary price and credit risk tracking software, and Mark-It View™, RMI’s energy price valuation system. Nick has also played a key role in monitoring auctions conducted on RMI’s on-line energy execution platform, the KnowRiskExchange™. Though his daily exposure to RMI’s software systems, Nick has become a crucial member of the RMI IT Operations team and has demonstrated his competence and expertise in resolving issues on all systems.

Proficient in Java, C/C++, SQL, SML, OCAML, HTML, ASP, ASP.net Windows, Unix, MacOS
Has implemented the Know-Risk™ software system and designed customized Know-Risk™ reports for several clients, including Greenville Utilities Commission, US Department of the Navy, Sprint Nextel Corporation, Hitachi, Consumers Energy, and Empire District Electric Company.
Responsible for Mark-It View™ software improvements and the daily maintenance of all pricing data for approximately 5,000 natural gas and power locations
Played a key role in monitoring on-line transactions for the execution of over 4,000,000 MWh of electricity on the KnowRiskExchange™
Designed an electricity indicies program for RMI WebTools™, an online market resource for automated data analysis, that uses load history and monthly prices to compute a daily estimate of retail electricity prices for key US regions

Education

Bachelor of Science, Computer Science - Kansas State University

For general inquiries and more information about our service offerings, please contact Cassie Adolf at 312.373.8250 or email her at cassie.adolf@intlfcstone.com.

Chicago, Illinois - Headquarters
230 South LaSalle Suite 10-500
Chicago, IL 60604
Phone: 312.373.8250
Toll-Free: 855.879.3864
Fax: 312.277.3349
Email: rmiinfo@intlfcstone.com

Topeka, Kansas Office
2709 SW 29th Street 2nd Floor
Topeka, KS 66614
Phone: 785.232.2252
Fax: 785.232.2452