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This Agreement was last modified on February 9, 2007.

Welcome to IBDeditorials.com presented by Investor's Business Daily, Inc. Your use of this Service (as defined below) and any materials accessed herein indicates your full understanding and acceptance of the Terms and Conditions of Use (referred to as "Agreement"). This Agreement may be updated at any time without notice. Your use of the Service is also subject to additional guidelines or rules posted in certain areas of the Service. Investor's Business Daily, Inc. may also provide products or services that are governed by supplemental Terms of Use. Any additional guidelines, rules and supplemental Terms of Use are incorporated into this Agreement by reference. Failure to comply in full will result in cessation of access and use privileges and may result in legal actions taken against the offending individuals and organizations at our discretion. We reserve the right to block your access to Service for violation of this Agreement. You agree to review the Agreement periodically to be aware of such modifications. Your continued use of the Service constitutes acceptance of the changes.

(For the Terms of Use governing Investors.com, eIBD, and other Web sites and products owned and operated by Investor's Business Daily, Inc. and/or our affiliated companies, please visit www.investors.com).

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