Terms and Conditions of Use

September 18, 2007

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. BY PROCEEDING WITH THE USE OF THIS PRODUCT, YOU AGREE AND ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THESE TERMS AND CONDITIONS AND THAT YOU AGREE TO BE BOUND BY THEM.

This Web site, including all of its features and content (the "Reports") are products made available by PBP Executive Reports ("Provider"), and all content and information provided in PBP Executive Reports or through this Web Site may be used solely under the following terms and conditions ("Terms of Use").

OWNERSHIP OF CONTENT

You agree and acknowledge that the copyright and title to all materials included on this Web site, including but not limited to the Reports, remain at all times with PBP Executive Reports. You have no right, title or interest in the Reports or any other material included on this Web site except as expressly set forth elsewhere in these Terms of Use.

NATURE AND SCOPE OF LICENSE

PBP Executive Reports grants you a non-exclusive, non-transferable and limited right to use the materials included on this Web site, included but not limited to any purchased Report or Reports. The limited right to use Reports as set forth herein is granted only after payment for the Report or Reports is received. Once the right is granted, the Reports may be used only for education, training or other non-commercial purposes and only within your organization. You may reproduce all or portions of the Report or Reports for internal use only and may place it on an internal intranet system within your organization. You may not and may not permit others to rent, lease, or sell any Report, any portion thereof, or any other content included on this Web site. No information available via this Web site, including but not limited to the Reports, may be copied, modified, distributed or otherwise made available to others in any form, with or without charge, except as otherwise indicated in these Terms of Use. Under no circumstances may you distribute any Report or any portion of any Report outside of your organization.

DUTY TO NOTIFY USERS

You agree to make a reasonable effort to notify all authorized users within your organization of these Terms of Use and specifically of the strict restrictions these Terms of Use place on the use of the Reports and other information included on this Web site.

TRANSFER OF RIGHTS PROHIBITED

You may not sell, assign, sublicense or otherwise transfer the limited rights you receive under these Terms of Use without the prior written consent of PBP Executive Reports. Any attempt to do so will automatically terminate the license rights otherwise granted to you via these Terms of Use.

LEGAL DISCLAIMER

This product is designed to provide reasonably accurate and authoritative information with respect to the subject matter covered. It is sold with the understanding that the authors and publishers are not engaged in rendering legal, accounting or other professional services. If legal, accounting or other professional services are required; the services of a competent professional should be sought. While every effort is made to ensure accuracy, no representation is made as to the absolute accuracy of the material contained herein. The authors and publishers therefore cannot assume any responsibility for omissions, misstatements, mistakes or ambiguity contained within this product and shall neither be liable or responsible to any person or entity for any loss caused, or alleged to be caused, directly or indirectly by such omissions, misstatements, mistakes or ambiguity contained in this product.

LIMITATION OF LIABILITY

In no event will PBP Executive Reports be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use of or inability to use the material on the site, even if PBP Executive Reports or an authorized representative has been notified orally or in writing of the possibility of such damage.

INDEMNIFICATION

You agree to agree to indemnify and hold PBP Executive Reports, its affiliates, officers, directors, employees and agents harmless from any claim, demand or damage, including reasonable legal and accounting fees, asserted or resulting from your use of the material or your breach of these terms of use.

COPYRIGHT LAW

In addition to any contractual obligations under this license, regular copyright law applies to all copyrighted materials within these services and no right to distribute any copies to any third party is granted except as otherwise indicated in these Terms of Use. This means that authorized users can not print, save, transmit or distribute copies for or to any third party in any format, except as indicated elsewhere in these Terms of Use.

CONTROLLING LANGUAGE

The controlling language of this document is English.

MODIFICATION OF TERMS

PBP Executive Reports reserves the right to change the terms and conditions under which PBP Executive Reports products are offered. The changes will appear in this document. You are responsible for regularly reviewing these terms and conditions. Your continued use of PBP Executive Reports products constitutes your agreement to all such changed terms and conditions.

CHOICE OF LAW

You agree that these Terms of Use will be governed by the laws of the Commonwealth of Pennsylvania, excluding its conflicts of laws provisions. You also agree that any dispute arising out of or relating to these Terms of Use or your use of the Web Site, whether based in contract, tort, statutory or other law, will be governed by the laws of the Commonwealth of Pennsylvania, excluding its conflicts of law provisions. You consent to the jurisdiction of any state or federal court located within the Commonwealth of Pennsylvania to resolve any claim arising from your use of this site or its products, and you further agree to waive any argument that any such court does not have jurisdiction over such dispute. You also agree to accept service of process by certified mail, return receipt requested at the address designated by you. You agree to pay PBP Executive Reports any court costs and reasonable attorneys' fees and expenses it incurs in successfully proving a breach of any of these Terms of Use.

REFUND POLICY

PBP Executive Reports will refund the purchase price of any Report for any reason within seven days of the original purchase date, subject to the following conditions: 1. You must inform us, within seven days of the original purchase date, that you desire a refund. 2. You must delete any and all copies of the purchased Report or Reports in your possession or control, including Reports that exist in PDF format, printed format, or any other format, including but not limited to copies that exist on any hard drive or other storage media. 3. You must submit us a letter to us attesting to the fact that you have destroyed all copies of the Report or Reports as required by the previous subparagraph. The letter must be postmarked within seven days of the original purchase date and submitted to the following address: PBP Executive Reports Returns, 370 Technology Drive, Malvern, PA19355. You agree to be held personally liable if any copy or copies of any Report or Reports are retained in violation of applicable copyright laws.

ACCEPTANCE OF TERMS

By accessing the materials herein you are confirming your acceptance of all these Terms of Use. If you do not accept these Terms of Use you will not be granted access to any PBP Executive Reports products. Web site: www.PBPExecutiveReports.com Email: info@PBPExecutiveReports.com Tel: (800) 220-5000 PBP Executive Reports 370 Technology Drive Malvern, PA19355