THIS AGREEMENT WAS LAST UPDATED ON JANUARY 15, 2008.

BY ACCESSING AND USING THIS Tekon Universal Sciences, Inc. WEB SITE, YOU ARE AGREEING TO BE LEGALLY BOUND BY THESE TERMS OF USE.

By using this Web Site, which is a service from Tekon Universal Sciences, Inc., you are representing to Tekon Universal Sciences, Inc. that you are at least 18 years old (or the minimum legal age in the jurisdiction in which you are viewing this Tekon Universal Sciences, Inc. Web Site). You may not use this Tekon Universal Sciences, Inc. Web Site for any unlawful purpose. Tekon Universal Sciences, Inc. may change any term in these Terms of Use at any time. The changes will appear in these Terms of Use, and your use of this Tekon Universal Sciences, Inc. Web Site after any changes have been posted will constitute your agreement to the modified Terms of Use and all of the changes. Therefore, you should read these Terms of Use each time you access this Tekon Universal Sciences, Inc. Web Site, before you begin using this Tekon Universal Sciences, Inc. Web Site. You may print a copy of these Terms of Use for your reference. You understand and agree that Tekon Universal Sciences, Inc. may discontinue or change this Tekon Universal Sciences, Inc. Web Site at any time, without notice. You also understand and agree that Tekon Universal Sciences, Inc. may discontinue or restrict your use of this Tekon Universal Sciences, Inc. Web Site for any reason without notice.

COPYRIGHT AND LIMITATIONS ON USE

The content displayed on this Tekon Universal Sciences, Inc. Web Site (the "Content") is the property of Tekon Universal Sciences, Inc. or its licensors and is protected by copyright and other intellectual property laws. The Content includes for example, stories, tools, calculators and other items displayed on the site. This Tekon Universal Sciences, Inc. Web Site and the Content may only be used for your personal and noncommercial use. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the Content to anyone, including but not limited to others in the your company or organization, without the express prior written consent of Tekon Universal Sciences, Inc., with this one exception: You may, on an occasional and irregular basis, disseminate an insubstantial portion of content from this Tekon Universal Sciences, Inc. Web Site, for a noncommercial purpose, without charge, and transmitted in non-electronic form, to a limited number of individuals, provided you include all copyright and other proprietary rights notices with such portion of the content in the same form in which the notices appear in this Tekon Universal Sciences, Inc. Web Site, original source attribution, and the phrase "Used with permission from Tekon Universal Sciences, Inc.." You may not post any content from this Tekon Universal Sciences, Inc. Web Site to newsgroups, mail lists, electronic bulletin boards or other web sites, without the prior written consent of Tekon Universal Sciences, Inc. This Tekon Universal Sciences, Inc. Web Site includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. Tekon Universal Sciences, Inc. and its Content licensors are not giving investment advice, tax advice, legal advice, or other professional advice. Tekon Universal Sciences, Inc. and its Content licensors do not guarantee or warrant the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions and recommendations. You should always seek the assistance of a professional for advice on investments, tax, the law, or other professional matters. Tekon Universal Sciences, Inc.com's interactive features are an educational and informational service designed to help users identify business strategies that can help them meet their company goals. They do not take into account all of the unique circumstances that may affect a user's business decisions, and nothing contained herein should be considered personalized business advice that is tailored to the individual needs of users. The results obtained by using these features should not serve as the sole or primary basis for making business decisions. Users should consult their business advisors to develop a personalized plan that takes into account their individual needs and circumstances.

DISCLAIMER OR WARRANTIES AND LIABILITY

Due to the number of sources from which content in this Tekon Universal Sciences, Inc. Web Site is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in such content and this Tekon Universal Sciences, Inc. Web Site. Tekon Universal Sciences, Inc. AND ITS AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT AVAILABLE THROUGH THIS Tekon Universal Sciences, Inc. WEB SITE, OR THIS Tekon Universal Sciences, Inc. WEB SITE ITSELF. NEITHER Tekon Universal Sciences, Inc. NOR ANY OF ITS AFFILIATES, AGENTS OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY, OTHER THAN DEATH OR PERSONAL INJURY RESULTING DIRECTLY FROM USE OF THIS Tekon Universal Sciences, Inc. WEB SITE, CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THIS Tekon Universal Sciences, Inc. WEB SITE AND ANY CONTENT THROUGH THIS Tekon Universal Sciences, Inc. WEB SITE. IN NO EVENT WILL Tekon Universal Sciences, Inc., ITS AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH CONTENT OR THIS Tekon Universal Sciences, Inc. WEB SITE. Tekon Universal Sciences, Inc. AND ITS AFFILIATES, AGENTS AND LICENSORS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OTHER THAN DIRECT DAMAGES (INCLUDING, WITHOUT LIMITATION, CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, OR SIMILAR DAMAGES) EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR DAMAGES OR THE EXCLUSION OF CERTAIN TYPES OF WARRANTIES, PARTS OR ALL OF THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

LINKS TO THIRD PARTY SITES

This Tekon Universal Sciences, Inc. Web Site contains hyperlinks to web sites operated by persons other than Tekon Universal Sciences, Inc.. Such hyperlinks are provided for your reference and convenience only. You agree not to hold Tekon Universal Sciences, Inc. responsible for the content or operation of such web sites. A hyperlink from this Tekon Universal Sciences, Inc. Web Site to another web site does not imply or mean that Tekon Universal Sciences, Inc. endorses the content on that web site or the operator or operations of that site. You are solely responsible for determining the extent to which you may use any content at any other web sites to which you might link from this Tekon Universal Sciences, Inc. Web Site. If you wish to make purchases from an area of this Tekon Universal Sciences, Inc. Web Site or a "co-branded" web site operated by a person other than Tekon Universal Sciences, Inc. (a "Co-Branded Site"), you may be asked by the merchant or operator of the Co-Branded Site or other person from whom you are making the purchase to supply certain information, including credit card, debit card, or other payment mechanism information. You agree not to hold Tekon Universal Sciences, Inc. liable for any loss or damage of any sort incurred as a result of any such dealings with any Co-Branded Site or merchant or operator of the Co-Branded Site or other person from whom you are making the purchase. You agree that all information you provide in connection with such purchase will be accurate, complete and current. You agree to pay all charges incurred by users of your credit card, debit card, or other payment mechanism at the prices in effect when such charges are incurred. You also will pay any applicable taxes, if any, relating to any purchases you make. Each Co-Branded Site will contain a description of the site's privacy policy regarding any personal identifying information you may be required to disclose as part of the purchase.

MISCELLANEOUS LEGAL TERMS

This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision in this Agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This Agreement, your rights and obligations, and all actions contemplated by this agreement shall be governed by the laws of the United States of America and the State of California, as if the Agreement was a contract wholly entered into and wholly performed within the State of California.