DOW JONES INDEXES WEB SITE
USER AGREEMENT

Last Updated April 2, 2007

This user agreement, which includes the Privacy Policy (together, "Agreement"), is a legally binding agreement between Dow Jones & Company, Inc. ("Dow Jones") and you, the user of the Dow Jones Indexes web site ("Site"). This Agreement governs your use of the Site and any other electronic services made available in conjunction with it (each, a "Service"). You may be required to register for a user account ("Account") to access some Services, and some Services may also require payment of Fees (as described below).

If you accept this Agreement, please indicate your acceptance by clicking the "I Agree" button below. Otherwise, please click the "I Do Not Agree" button. If you use any Service that does not require registering for an Account, your use of the Service indicates your acceptance of this Agreement. If you use or intend to use any Service in the context of your employment, you are also accepting this Agreement on behalf of your employer (and all references to "you" in this Agreement also refer to your employer). IF YOU DO NOT ACCEPT THIS AGREEMENT, YOU ARE NOT AUTHORIZED TO USE THE SITE OR ANY OTHER SERVICE.

You represent and warrant that you are at least 18 years old. If you are not at least 18 years old, you may not use the Site (or any other Service) or enter into this Agreement.

Dow Jones may discontinue or change any Service, or its availability to you, at any time. Your right to use any Service or Content (as described below) is subject to any limits established by Dow Jones in its sole discretion.

Dow Jones reserves the right to amend this Agreement in its sole discretion. If you have an Account, Dow Jones will notify you (electronically or otherwise) of changes to this Agreement and ask if you accept them. If you do not accept the changes, you may terminate the Agreement in accordance with the "Termination" section below. Dow Jones will also post any changes to the Agreement on the Site, and changes are effective immediately upon posting. If you do not have an Account, your continued use of the Site or any other Service after Dow Jones posts the changes indicates your acceptance of those changes.

Privacy Policy

Please review the Site's Privacy Policy, which forms a part of this Agreement. The Privacy Policy describes the collection, use, and protection of information about you on the Site and other Services.

Access from Other Countries

Dow Jones makes no representation or warranty that any Service or Content (as defined below) is appropriate or available for use in locations outside the United States. If you choose to access or use any Service from other locations, you do so at your own risk and are responsible for compliance with all applicable laws.

Accounts and Fees

You are responsible for maintaining the confidentiality of the user name and password associated with your Account. You warrant and covenant that all information you provide to Dow Jones when registering for your Account is accurate and complete and that you will update your Account to keep it accurate and complete; this warranty survives any termination or expiration of this Agreement. You may not register for an Account under a pseudonym.

You agree to pay Dow Jones any and all fees and any other charges (including any applicable taxes) incurred for Services under your Account ("Fees") at the rates in effect when you incur the Fees. When you provide Dow Jones with credit card information under your Account, you are authorizing Dow Jones to bill all Fees to that credit card. Fees associated with a particular Service are payable when you register for a Service or a renewal of it. Unless Dow Jones states otherwise in writing, all Fees are nonrefundable. Dow Jones may add to or change the Fees for any Service or portion of a Service (including any previously free Service) by giving you notice in advance. You are responsible for any other cost of accessing a Service, including any telephone or Internet service provider charges.

In its sole discretion, Dow Jones may extend a Fee-based Service beyond its expiration without charging fees for the extension. Such an extension is made only as a courtesy to you and does not entitle you to continued access to the Service without further payment of Fees.

Trademarks

The trade names, trademarks, service marks, trade dress, logos, product and service names, and other indicia of source found on the Site or within the Content (collectively, "Marks") are proprietary to their respective owners and are protected by trademark or other applicable law. The Marks may be registered or unregistered trademarks of Dow Jones or others. You may not use any Mark without the express written permission of the owner (whether Dow Jones or otherwise), and nothing contained in a Service or the Content should be construed as granting any license or right to use any Mark. You may not use any Mark in any manner that is likely to cause confusion about the source of any product or service or falsely implies Dow Jones's sponsorship, endorsement, or affiliation with any third-party activity.

Use of Services and Content

The content available through the Site and through any other Service (including indexes, averages, data, prices, quotations, methodologies, know-how, opinions, rulebooks, news articles, research reports, graphs, charts, images, illustrations, photographs, animations, audio and video clips, look and feel, organization, and compilation) (collectively, "Content") is the property of Dow Jones and/or its licensors and is protected by copyright, trademark, patent, database-rights, and/or other applicable law.

During the term of any Service to which Dow Jones has granted you access and unless this Agreement is otherwise terminated, you may use that Service and any Content available through it, but only for your internal, non-commercial purposes. Your right to use any Service or Content does not permit you to authorize another person to use that Service or Content in any way. You may not assign or sublicense any right that you may have under this Agreement, and any assignment or sublicense is null and void. Except as necessary to use a Service as permitted under this Agreement, you may not copy, reproduce, modify, create derivative works from, publicly display, publicly perform, distribute, retransmit, publish, broadcast, sell, or store any Content (or any portion of it) without Dow Jones's express prior permission in each case. You may not remove, alter, hide, or otherwise render unreadable any notice, legend, watermark, or other designation relating to ownership of Content that appears on or with any Content or Service.

As a condition of your right to use any Service or Content under this Agreement, you may not use any Dow Jones index, any Marks, or any other Content in connection with the issuance, marketing or promotion of investment products (e.g., derivatives, structured products, investment funds, investment portfolios) where the price, return and/or performance of the investment product is based on or related to one or more Dow Jones indexes, except as provided for in a separate written agreement with Dow Jones. Nothing contained in any Service may be construed as granting any license or right to use any Dow Jones index or average (or any element or subset of it), except as provided in a separate written agreement with Dow Jones.

You may not use any automated device, computer program, tool, algorithm, process, or methodology (or any manual process of a similar character) to access, acquire, copy, or monitor any Content or Service, or to engage in the mining or other systematic collection of information from any Service. You may not use a Service in any manner that could (in Dow Jones's sole judgment) damage, disable, overburden, impair or interfere with any Dow Jones server, or the network(s) connected to any Dow Jones server, or interfere with any other party's use and enjoyment of a Service.

You may not allow any other person or entity to use your Account, nor may you transfer it to any other person or entity. You are responsible for all activity under your Account, including all uses of it to access any Service and all uses of Content obtained under it. You may not access a Service, Account, or any associated computer system or network by any unauthorized means, including hacking, password mining, fraud, or trick. You may not obtain or attempt to obtain any Content through any means not intentionally made available to you by Dow Jones through a Service.

You will not use any Service for any illegal or fraudulent purpose or for any purpose prohibited by this Agreement. You may not use any Service or Content to infringe, misappropriate, or violate the rights of Dow Jones or any third party.

Reuters data is provided for information purposes only and is not intended for trading purposes. Reuters shall not be liable for any errors or delays in the Reuters content, or for any actions taken in reliance on any Reuters content.

Frames, Metatags, and Links

You may not frame or display headlines or abstracts of any Content or other feature of any Service on another web site or service. You may not use metatags or any other "hidden text" that incorporates any Mark without its owner's prior written consent.

You may link to parts of the Site not requiring an Account, but only if (1) the link displays, in a plain typeface, the words "Dow Jones Indexes" or the name of the appropriate page on the Site; and (2) the link opens the Site in a new browser window.

Advice and Opinions

No part of any Service contains investment advice, tax advice, legal advice, or other professional advice from Dow Jones or its licensors. Neither Dow Jones nor its licensors sponsors, recommends or endorses the purchase or sale of any security or investment through any feature of any Service or Content. Inclusion of a company or other component in a Dow Jones index does not in any way reflect an opinion of Dow Jones or its licensors of the investment merits of such company or other component.

A Service may include facts, views, or opinions provided by third parties that Dow Jones believes may be of interest to you. Dow Jones and its licensors do not guarantee the accuracy, completeness, or timeliness of (or in any way endorse) these facts, views, or opinions.

Links to Other Web Sites

A Service may contain links to other web sites ("Other Sites"). Dow Jones provides these links for information only, and they do not imply that it endorses, sponsors, or is affiliated with the Other Sites in any way. Dow Jones is not responsible or liable for the content or operation of Other Sites. You use any Other Sites solely at your own risk. You should read the terms of use and privacy policies that govern your use of Other Sites.

Disclaimers of Warranties

ALL SERVICES AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." NEITHER DOW JONES NOR ANY OF ITS RESPECTIVE SUBSIDIARIES, AFFILIATES, AGENTS AND LICENSORS (COLLECTIVELY, "THE DOW JONES PARTIES") WARRANTS THAT ANY SERVICE OR CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. THERE MAY BE DELAYS, OMISSIONS, INTERRUPTIONS AND INACCURACIES IN THE SERVICES AND CONTENT. THE DOW JONES PARTIES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY OR NON-INFRINGEMENT OF ANY SERVICE OR CONTENT (OR ANY MATERIAL ACCESSED VIA LINKS TO OTHER WEB SITES OR SERVICES). DOW JONES RESERVES THE RIGHT TO CORRECT ANY ERRORS OR OMISSIONS IN THE SITE. IF YOU RELY ON ANY SERVICE OR CONTENT, YOU DO SO ENTIRELY AT YOUR OWN RISK.

TO THE MAXIMUM EXTENT PERMITTED UNDER LAW, THE DOW JONES PARTIES DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES WITH RESPECT TO THE SERVICES AND CONTENT, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE (EVEN IF THAT PURPOSE HAS BEEN DISCLOSED).

ALTHOUGH DOW JONES MAKES REASONABLE EFFORTS TO COMPLY WITH ITS GUIDELINES REGARDING THE SELECTION OF COMPONENTS IN THE DOW JONES ISLAMIC MARKET INDEXES, DOW JONES EXPRESSLY DISCLAIMS ANY GUARANTEE OR WARRANTY THAT THOSE INDEXES OR THE DATA RELATED TO THEM WILL COMPLY WITH SHARI'AH LAW OR OTHER ISLAMIC PRINCIPLES.

ALTHOUGH DOW JONES INTENDS TO TAKE REASONABLE STEPS TO PREVENT THE INTRODUCTION OF VIRUSES, WORMS, "TROJAN HORSES" OR OTHER MALICIOUS CODE, DOW JONES DOES NOT GUARANTEE OR WARRANT THAT THE SERVICES OR CONTENT ARE FREE FROM SUCH DESTRUCTIVE FEATURES. DOW JONES IS NOT LIABLE FOR ANY DAMAGES OR HARM ATTRIBUTABLE TO SUCH FEATURES.

Limitations of Liability

THE DOW JONES PARTIES ARE NOT LIABLE (JOINTLY OR SEVERALLY) TO YOU OR ANYONE ELSE FOR ANY CLAIM OF ANY NATURE WHATSOEVER BASED ON LOSS OR INJURY THAT OCCURS IN CONNECTION WITH (1) YOUR BREACH OF ANY PROVISION OF THIS AGREEMENT OR (2) ERRORS, OMISSIONS, INTERRUPTIONS OR INACCURACIES IN ANY SERVICE OR CONTENT. IN NO EVENT WILL THE DOW JONES PARTIES BE LIABLE (JOINTLY OR SEVERALLY) TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN IN RELIANCE ON THE CONTENT OR ANY FEATURE OF ANY SERVICE.

UNDER NO CIRCUMSTANCES WILL THE DOW JONES PARTIES BE LIABLE (JOINTLY OR SEVERALLY) FOR ANY DAMAGES (INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, LOST REVENUES, LOST PROFITS, LOSS OF BUSINESS, OR LOSS OF DATA) ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR YOUR USE OF ANY SERVICE OR CONTENT, REGARDLESS OF THE THEORY OF LIABILITY, WHETHER TORT (INCLUDING NEGLIGENCE OF ANY KIND), CONTRACT OR ANY OTHER LEGAL OR EQUITABLE THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF THE DAMAGES OR IF THE DAMAGES COULD HAVE BEEN FORESEEN.

SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY FOR CERTAIN KINDS OF DAMAGES, SO SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU. IF ANY COMPETENT AUTHORITY HOLDS ANY LIMITATION OF THE DOW JONES PARTIES' LIABILITY TO BE UNENFORCEABLE, THEN THAT LIABILITY WILL BE LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY THE APPLICABLE LAW.

Indemnification

You agree to indemnify and hold Dow Jones harmless against all liabilities, losses, damages, expenses, and costs (including reasonable attorneys' fees) that it incurs as a result of claims related to your violation of this Agreement. Dow Jones reserves the right, at its own expense, to assume the exclusive defense and control of any matter for which it is entitled to indemnification, but you must still indemnify Dow Jones for all liabilities, losses, or damages. You agree to provide Dow Jones with whatever cooperation it reasonably requests.

Termination

Dow Jones may limit or deny your access to any Service or terminate this Agreement at any time without notice for any reason, including your violation of this Agreement. If for any reason other than your violation of this Agreement Dow Jones limits or denies your access to any Service or terminates this Agreement, Dow Jones will refund to you a pro rata portion of the Fees paid to Dow Jones, if any, for the unexpired portion of any affected Services.

You may terminate this agreement in two situations: First, you may terminate it at any time giving notice to Dow Jones. Second, if you do not accept any changes that Dow Jones makes to this Agreement, you may terminate it by notifying Dow Jones, and Dow Jones will refund to you a pro rata portion of the Fees paid to Dow Jones, if any, for the unexpired portion of any Services. Termination of the Agreement is your sole remedy in any dispute with Dow Jones, including any dispute related to or arising out of (1) any provision of this Agreement or Dow Jones's enforcement or application of it; (2) any Service, Content, or change to either made by Dow Jones; and (3) your ability to access or use any Service or Content. Your notice of termination is effective when Dow Jones receives it.

The following sections of this Agreement survive any termination of this Agreement: Trademarks; any prohibitions contained in the section on Uses of Services and Content; Frames, Metatags, and Links; Disclaimer of Warranties; Limitations of Liability; Indemnification; the governing-law provision of the General Provisions; and any other provision that by its terms contemplates survival.

Contact Us

If you have any questions about this Agreement or any Service, please contact Dow Jones at indexteam-us@dowjones.com.

General Provisions

Nothing in this Agreement may be used to construe you and Dow Jones as joint venturers, co-employers, partners, or agents of each other, and neither you nor Dow Jones has the power to obligate or bind the other in any way whatsoever.

This Agreement is the complete agreement between you and Dow Jones and supersedes all other agreements, representations, or understandings (whether written or oral) concerning its subject matter. No amendment or modification of this Agreement is valid unless in writing signed by Dow Jones or posted by Dow Jones to the Site. You may not assign this Agreement or your rights or obligations under it without Dow Jones's prior written consent, and any attempted assignment in violation of this provision is null and void. Dow Jones may assign this Agreement and transfer any of its rights or obligations at any time for any reason. Dow Jones's failure to enforce all provisions of this Agreement in every instance in which they might apply is not a waiver of any of Dow Jones's rights.

Except as otherwise provided in this Agreement, any notice to Dow Jones under this Agreement must be in writing and delivered to Dow Jones & Company, Inc., 4300 U.S. Highway 1, Monmouth Junction, New Jersey 08852, Attn: Legal Department. Any notice to you under this Agreement may be provided to the electronic or postal addresses you have provided to Dow Jones under your Account. If you fail to promptly update the addresses listed under your Account, then any notice sent to an old address will be effective.

If Dow Jones is unable to perform any of its obligations due to any cause beyond its reasonable control, including computer, telecommunications or other equipment failures, electrical power failures, riots, strikes, labor disputes, shortage of labor or materials, embargoes, civil disturbances, fires, floods, storms, explosions, acts of God, wars or other military action, acts of terrorism, sabotage, epidemics, governmental actions, non-performance of third parties, unforeseeable circumstances, or any similar reasons (each, an "Event of Force Majeure"), then Dow Jones's performance will be excused and the time for performance will be extended until a reasonable time following the end of the Event of Force Majeure.

This Agreement is governed by the laws of the State of New York applicable to agreements made and wholly performed there. In no event will this Agreement be governed by the United Nations Convention on Contracts for the Sale of Goods or the Uniform Computer Information Transactions Act ("UCITA"), in any form ever adopted. You irrevocably agree to bring any claim or dispute relating to your use of any Service or the Agreement exclusively in the applicable state or federal courts in the State and County of New York, to submit to the exclusive jurisdiction of those courts, and to waive any objections based on jurisdiction, venue, or the inconvenience of the forum.

Headings and captions throughout this Agreement are for convenience only and should not be considered part of the Agreement. The word "including" means "including without limitation."

Les parties consentent à ce que le contrat soit redígé en langue anglaise. The parties agree that the Agreement be written in the English language.