This is a legal agreement between you, the user or buyer and the site owner or Auction Company. Each MIOA location is independently owned and operated. Any issues with a particular MIOA business, you must deal with them. General use Provisions Michigan Online Auctions and or Affiliates (Auction Company) in its sole discretion may ban from further use any buyer or seller which auction company believes to have in any way misrepresented itself or any items selling, failing to abide by terms, or conduct any improper auction behavior determined solely by Auction Company. Any seller who misrepresents their items in any and buyer who in probably fails to carry through with a purchase will be banned from any further use and may be subject to additional legal actions. The balance will be due within ten business days and prior to removal, payable by a cashiers check, cash, credit card, or wire transfer. In no doubt the purchase price is the Sum all of the bid price, buyers premium, buyers fee, and sales tax if applicable. All payments must be in U.S. funds. Auction Company reserves the right to charge any remaining balance of your purchase price on your credit card if the balance is not paid within seven days. All items to sell subject to auction company confirmation discretion. Notice: A buyers premium will be added to all purchases. This buyers premium varies, pending on the auction. The weekly online auctions will have a buyers premium up to 15 percent for on time pick up. After 7 days from date of auction date the Buyers Premium will be 20% (with no cash discount) plus storage fees. Prepaid items or Haul backs will not receive a discount for early payment and if not picked up with 7 days from date of auction/or delivery of haulback storage fees will be applied before Buyer may remove items. Most off-site auctions will have a 15 percent buyers premium. The actual buyers premium in effect will be noted on the additional information page. You will see this additional information page when you click on the button to view the items that will be selling. You may also call us to find out the exact amount of buyers premium for any auction. Also a 5 percent cash/cash equivalent to mediate discount will be given at the auction companys option on cash or cash or equivalent funds only. The 5 percent cash rebate offset a portion of buyers premium for weekly onsite auctions only. Visa MasterCards are accepted with no cash discount. We do not accept payment online it must be done at the time the product is picked up. Removal and failure to remove. All purchases must be removed from the auction site without damaging any property and within the time announced or posted. All costs, responsibility and risk of such removal shall be done by buyer and, in every case; buyer will use prudence and care in such removal. If for any reason buyer fails to remove any of buyers purchases within the time specified, the auction company shall have the right but not the obligation, in its sole discretion, to recall, this guard or remove and stores such purchase at buyers sole risk and expenses (storage costs at $10 per day per item-other cost additional), without believing any rights that auction company or seller may have against the buyer. Storage charge will be the responsibility of the buyer (after five business days). Sales Tax: All bidders will be subject to Michigans 6 percent sales tax unless you provide our office with the documentation we require for exemption. Notice to the buyer of the titled items: For Michigan residents we are required by the state of Michigan to broker all vehicles sold. A $65 brokers said fee will be charged for all vehicles which need to be brokered. In addition to a $15 fee for title transfer will be charged. Please know that buyers will need to sign the appropriate paperwork required by the state for title transfers. The seller bidding: The seller or the agent reserves the right to bid on their own item in order to protect their investment. Terms: All items sell AS IS WHERE IS no warranty of any type expressed to or implied as to the merchantability or fitness for any particular purpose of any goods offered in the sale. All sales are made on an AS IS WHERE IS basis with all faults. All buyers are urged to physically inspect the item during the inspection period. No bids can be withdrawn after the auction for any reason. Buyers agree that these terms as well as all other terms set forth below, can be amended or revised only in writing, signed by the auction company. Buyers also agree that any oral representations made by the auction company shall not modify these AS IS WHERE IS terms. Buyer understands that any discretion given in the sale or written on the equipment is not guaranteed, and buyer will rely entirely on their own inspection. All information and descriptions contained in advertising the sale are believed to correct, but no responsibility is assumed by Auction Company for any errors or an omission. Posting closing time in display of auction companies current time is approximate. Auction Company reserves the right to close early or extend auction at any time at its discretion. It is strongly recommended that bid to be placed early to avoid losing out to two other ill times do to last-minute bid. All times are Eastern time. Dynamic bidding: the dynamic bid on this web site is a featured that does not allow any item to sell at the end of the auction until there is 10 minutes of bidding inactivity. Example in item is bidding on at 7:58 PM and auction is scheduled to close at 8 PM when this bid is placed the anytime will automatically extended it to 8:08 PM when another bid is placed at 8:07 PM the auction will extend to 8:17 PM. This will give bidder 10 minutes to place another bid if no bids are placed in this auction will conclude at 8:17 PM the key to the dynamic bidding feature is that the auction extended from the present closing time in 10 minute intervals. Auction company rights to terminate purchase if for any reason auction Company is unable to complete the sale of any purchase to buyer or provide such purchase free and clear of liens, even if the buyer was given notice that he is the high bidder and purchaser, buyer agrees that the auction Company may terminate the purchase agreement, and which case auction Company only a liability shall be the return of any monies actually paid by buyer. Auction Co.'s Right to Terminate Purchase. If for any reason Auction Co. is unable to complete the sale of any purchase to buyer or provide such purchase free and clear of liens, even if the buyer was given notice that he is the high bidder and purchaser, Buyer agrees that the Auction Co. may terminate the purchase/agreement, in which case Auction Co.'s only liability shall be the return of any monies actually paid by buyer. Consent to suit in Michigan In the event of legal proceedings arising from this contract or from the auction in connection there with, buyer consensus to being subject to the personal jurisdiction of the court of the state of Michigan. Buyer also agrees that venue be in Ottawa County Michigan. Buyer expressly agrees to indemnify and hold the auction company harmless against all claims , losses, expenses, damages or liability,(including, but not limited to, attorneys fees), directly or indirectly caused by or resulting from an act, including the negligent acts or omissions of the auction company, or any acting in his/her behalf in connection with or arising out of auction, except that the buyer shall not be responsible to the auction company for damages caused by or resulting from the auction companys sole negligence. DO NOT BID UNLESS YOU AGREE TO ALL THE TERMS ABOVE. BY BIDDING YOU ARE ACKNOWLEDGING YOU ARE IN AGREEMENT WITH THE TERMS ABOVE. PRIVACY POLICY: This privacy policy governs your use of the Web site located at the following Web address michiganonlineauctions.com The Web site is owned, operated and/or controlled by the following affiliated companies: Michigan Online Auctions. As used in this privacy policy, the terms "we", "our" and "us" refer to this company collectively. This privacy policy also governs the collection, use, and disclosure of information submitted and obtained by users, sellers and employees. This privacy policy is effective upon acceptance in registration for new registering users, and is otherwise effective on November 1, 2009, for all other users. We may from time to time make amendments to this privacy policy. We will post all amendments on this Web page. In addition, when you enter the Web site, there will be a pop-up alert notifying you of any amendments. All amendments take effect 30 days after they are posted. Because data-security technology and data-security law are rapidly evolving, we recommend that you visit this Web page frequently to check for amendments to this policy. 1. Collection: We will collect and store the following Personally Identifiable Information ("PII") on our servers if you choose to register on our site: your name, your company, your address, your driver's license, and at least one telephone number. We also request PII and/or login information (which would provide access to your PII) elsewhere on our site, including our login page, bidding page, account update page, and e-mail subscription page. Unless you provide us with your PII, it will not be collected or stored. Once you provide us with your PII, you have consented to the transfer and storage of that information in accordance with the terms of this policy. You can review, change, and delete the PII that you provide to us by logging into Your Personal Page, or by contacting us using the information found by clicking the "Contact Us" link on our home page. We may prompt you to make updates to your PII from time to time, but in order to combat "phishing" (a fraudulent tactic employed by criminals to acquire PII), we will request that you make the updates on our site. We will also collect a valid credit card number if you choose to register on our site. Your credit card information will be stored remotely in storage systems owned and/or operated by USA EPay (registered trademarks of GorCorp Inc.), our payment processor, and not on our servers. In addition, we automatically collect certain non-PII relating to your interaction with our site, such as your IP address. Your IP address is stored when you register on our site and every time you place a bid on our site. We use cookies, but purely for your convenience to allow you to remain logged into our site. We will not collect or store any other cookie information stored on your computer. We do not allow third parties to place cookies on your computer. 2. Use: If you provide us with your PII, it will primarily be used for internal business purposes. Your driver's license will be collected to ensure that you are old enough to place bids on our site. Your credit card information will be collected to guarantee that you will be able to pay for any items with respect to which you may place the winning bid. Your telephone number will be used in case we need to contact you concerning any bids that you may place. Your address or e-mail address may be used, at your request, to communicate information about upcoming auctions. Your e-mail address or cell phone number may be used, at your request, to send you automatic bidding notifications. You may opt-out of receiving any communications from us either during registration or by contacting us using the information found by clicking the "Contact Us" link on our home page. Your IP address is used internally for liability purposes to keep a record of each bid's origin. Cookie information will be used purely for your convenience to allow you to remain logged into our site. 3. Disclosure: We will not trade, sell, or rent your PII to third parties, except that we reserve the right to transfer your PII to appropriate third parties in the event that we sell all or part of our business, make a sale or transfer of all or substantially all of our assets, or in the event that we are involved in a merger. In the event that we disclose your information in the course of any such sale, transfer, or merger, your information will remain subject to the terms and conditions of this policy and any amendments thereto. Also, if we do disclose your PII in the course of a sale, transfer, or merger of one of our companies, please be advised that we will continue to store your PII until such time as you request that it be deleted. We will not otherwise make your information available to third parties, except when necessary to assist our service providers and vendors in completing authorized undertakings, and/or where necessary to provide confirmation of purchases to persons or entities who require such information to ensure successful fulfillment of any purchases made on our site. We do, however, reserve the right to disclose user PII without user permission in order to protect our legal rights, to comply with the law or legal process, to protect the integrity of our site, and/or to protect the safety and security of site users and visitors. Internally, your information will only be available to employees who have the proper security clearance. 4. Security: We use a variety of methods to protect your information, both during transmission and after receipt, from unauthorized access, use and disclosure. Any PII that you transmit to us is protected during transmission by Secure Sockets Layer (SSL) technology. SSL technology enables encryption of sensitive information during online transmissions. Any PII that you transmit to us, with the exception of credit card information, is then stored on our database servers. Our database servers are both firewall protected and password protected. In addition, while stored on our database servers, your user password will be encrypted with the 128-bit Advanced Encryption Standard (AES). Our database servers are stored with an off-site agent in secure facilities, and can only be accessed by an authorized representative of our off-site agent. Our off-site agent takes numerous physical security measures to protect our database servers from unauthorized access, including: electronic surveillance by Electronic Protection Systems, Inc.; dedicated network operations center support 24/7/365; security keys to access the server co-location area; and combination locks on doors used to access equipment in the server co-location area. Your credit card information, once collected, is sent to USA EPay (registered trademarks of GorCorp Inc.) ("USA EPay"), for additional storage security. Once your credit card information has been sent to USA EPay, we can make authorized transactions using your credit card, but even we are unable to access your credit card information. USA EPay uses various tools, including encryption technology, to protect confidential data both during the transmission of such data and while such data is being stored. USA EPay also uses software programs to identify unauthorized attempts to upload or modify information stored in its systems, or to otherwise cause damage to its systems. In the event that we elect to use a different payment processor, notice of such election and notice of the payment processor's data security practices will be posted as amendments to this policy. While we strive to provide a secure data transfer and storage environment, there are always potential security risks when doing business over the Internet. Consequently, we do not represent or guaranty that the information that you transmit to us will remain secure against all unauthorized access or use. You can assist us with our efforts by preventing unauthorized access to your user password and to your computer. You should make sure that you sign off when finished using a shared computer, and you should otherwise take precautions to protect your user password. If your user password becomes compromised for any reason, you should immediately change your password, and notify us. 5. Children's Privacy: Our Web site is designed for adult use only. We will not intentionally collect children's PII, but if you believe that we may have done so, please notify us and we will address the issue. 6. Third Parties: We do not control the privacy policies of third parties, so if you disclose your information to third parties, whether bidders, buyers or sellers, in the course of using our Web site, you may be subject to different rules with respect to the collection, use, and disclosure of your information. 7. Administrative Users and employee agreement. Covenant Not to Compete and Not to Solicit. Grantee hereby agrees that during the term of Agreement, and for a period of two (2) years from the date of termination of Agreement for any reason Grantee shall not: indirectly, in one or a series of transactions, own, manage, operate, control, invest or acquire an ownership interest or other interest in, nor lend, afford to furnish money or assistance, financial or otherwise, nor organize, direct, counsel or advise anyone or otherwise engage or participate in, whether as a proprietor, partner, stockholder, lender, director, officer, employee, joint ventures, investor, lesser, supplier, consultant, with any person or in any business, firm or corporation that is competitive, whether directly or indirectly, with that then being conducted by the MIOA, or in any business that in the opinion of the MIOA competes with or is in conflict with the interests of the MIOA, in any geographical area in which the MIOA shall be doing business; (it being understood that Grantee shall not be deemed to have violated this Section by reason of Grantee ownership of up to 5% of the outstanding equity of a publicly traded company); in any way, directly or indirectly, a. solicit, induce, encourage, or influence or attempt to solicit, induce, encourage, or influence any customers, clients or joint ventures' of MIOA; b. solicit, induce, encourage, influence or attempt to solicit, induce, encourage, or influence, for any business endeavor, any employee, stockholder, partner, lesser, or supplier of MIOA to discontinue or reduce or modify the extent of their relationship with MIOA; c. Otherwise divert, or attempt to divert from MIOA, any business whatsoever or interfere with any business relationship between MIOA and any other person or entity. d. Knowingly compete with other MIOA locations for auction contracts with individuals or companies potentially listing items for sale on the auctions. In the event that any portion of this Noncompetition Covenant is deemed not to be enforceable by a court of competent jurisdiction, because it is deemed overly broad in terms of time or the geographic area covered, this Noncompetition Covenant shall not be void, but shall be modified to extend through a reasonable time period and/or geographic area.

LARGE COIN AUCTION, ALONG WITH NEW AND USED ITEMS-HOUSEHOLD, COLLECTIBLES, FURNITURE, AS SEEN ON TV, VINTAGE, ANTIQUE, JEWELRY, KIDS, HUNTING, GARAGE, AND SO MUCH MORE-