diff --git a/config/config.go b/config/config.go
index 72827f1..942afd4 100644
--- a/config/config.go
+++ b/config/config.go
@@ -47,8 +47,12 @@ func (*AmCLI) Version() string {
 // AmConfig holds the configuration of the application as read from YAML.
 type AmConfig struct {
 	Site struct {
-		Title      string `yaml:"title"`
-		TopRefresh int    `yaml:"topRefresh"`
+		Title         string `yaml:"title"`
+		TopRefresh    int    `yaml:"topRefresh"`
+		UserAgreement struct {
+			Title string `yaml:"title"`
+			Text  string `yaml:"text"`
+		} `yaml:"userAgreement"`
 	} `yaml:"site"`
 	Database struct {
 		Driver string `yaml:"driver"`
@@ -90,6 +94,13 @@ func overlayString(loaded string, defaulted string) string {
 	return loaded
 }
 
+func overlayInt(loaded int, defaulted int) int {
+	if loaded != 0 {
+		return loaded
+	}
+	return defaulted
+}
+
 /* overlayConfig takes two configuration structures and overlays them to create the third.
  * Parameters:
  *     dest - Points to the destination copnfiguration structure.
@@ -98,7 +109,13 @@ func overlayString(loaded string, defaulted string) string {
  */
 func overlayConfig(dest *AmConfig, loaded *AmConfig, defaults *AmConfig) {
 	dest.Site.Title = overlayString(loaded.Site.Title, defaults.Site.Title)
+	dest.Site.TopRefresh = overlayInt(loaded.Site.TopRefresh, defaults.Site.TopRefresh)
+	dest.Site.UserAgreement.Title = overlayString(loaded.Site.UserAgreement.Title, defaults.Site.UserAgreement.Title)
+	dest.Site.UserAgreement.Text = overlayString(loaded.Site.UserAgreement.Text, defaults.Site.UserAgreement.Text)
+	dest.Database.Driver = overlayString(loaded.Database.Driver, defaults.Database.Driver)
+	dest.Database.Dsn = overlayString(loaded.Database.Dsn, defaults.Database.Dsn)
 	dest.Rendering.TemplateDir = overlayString(loaded.Rendering.TemplateDir, defaults.Rendering.TemplateDir)
+	dest.Rendering.CookieKey = overlayString(loaded.Rendering.CookieKey, defaults.Rendering.CookieKey)
 }
 
 // SetupConfig loads the command line arguments, loads the config file, and prepares GlobalConfig.
diff --git a/config/default.yaml b/config/default.yaml
index b0fd42d..198f703 100644
--- a/config/default.yaml
+++ b/config/default.yaml
@@ -9,6 +9,10 @@
 site:
   title: "Amsterdam Web Communities System"
   topRefresh: 300
+  userAgreement:
+    title: "Amsterdam User Agreement"
+    text: >
+      Text of this agreement is TBD.
 database:
   driver: "mysql"
   dsn: "amsdb:x00yes2k@tcp(localhost)/amsterdam?parseTime=true&loc=Local"
diff --git a/login.go b/login.go
index 466926c..fb23845 100644
--- a/login.go
+++ b/login.go
@@ -27,3 +27,16 @@ func LoginForm(ctxt ui.AmContext) (string, any, error) {
 	}
 	return ui.ErrorPage(ctxt, err)
 }
+
+/* NewAccountUserAgreement renders the Amsterdam user agreement for new accounts.
+ * Parameters:
+ *     ctxt - The AmContext for the request.
+ * Returns:
+ *     Command string dictating what to be rendered.
+ *     Data as a parameter for the command string.
+ *     Standard Go error status.
+ */
+func NewAccountUserAgreement(ctxt ui.AmContext) (string, any, error) {
+	ctxt.VarMap().Set("amsterdam_pageTitle", "New Account User Agreement")
+	return "framed_template", "agreement.jet", nil
+}
diff --git a/main.go b/main.go
index 5d1f099..b2e2dd4 100644
--- a/main.go
+++ b/main.go
@@ -43,6 +43,7 @@ func setupEcho() *echo.Echo {
 	e.GET("/", ui.AmWrap(TopPage))
 	e.GET("/about", ui.AmWrap(AboutPage))
 	e.GET("/login", ui.AmWrap(LoginForm))
+	e.GET("/newacct", ui.AmWrap(NewAccountUserAgreement))
 
 	return e
 }
diff --git a/ui/views/agreement.jet b/ui/views/agreement.jet
new file mode 100644
index 0000000..7ce5eee
--- /dev/null
+++ b/ui/views/agreement.jet
@@ -0,0 +1,25 @@
+{*
+ * Amsterdam Web Communities System
+ * Copyright (c) 2025 Erbosoft Metaverse Design Solutions, All Rights Reserved
+ * 
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at https://mozilla.org/MPL/2.0/.
+ *}
+<div class="flex">
+    <div class="flex-1 p-4">
+        <div class="mb-8">
+            <h1 class="text-blue-800 text-4xl font-bold mb-2">{{ GlobalConfig.Site.UserAgreement.Title }}</h1>
+            <hr class="border-2 border-gray-400 w-4/5 mb-4">
+            <p class="text-black text-sm mb-4">
+                {{ GlobalConfig.Site.UserAgreement.Text | raw }}
+            </p>
+            <div class="flex justify-center gap-4 mt-6">
+                <button type="button" class="bg-blue-600 hover:bg-blue-700 text-white px-6 py-2 rounded font-medium transition-colors"
+                        onclick="window.location.assign('/TODO/newacct2')">I Accept</button>
+                <button type="button" class="bg-red-600 hover:bg-red-700 text-white px-6 py-2 rounded font-medium transition-colors"
+                        onclick="window.location.assign('/')">I Decline</button>
+            </div>
+        </div>
+    </div>
+</div>
diff --git a/ui/views/frame.jet b/ui/views/frame.jet
index f8049c4..998be83 100644
--- a/ui/views/frame.jet
+++ b/ui/views/frame.jet
@@ -61,7 +61,7 @@
                     <span class="mx-2">-</span>
                     <a href="/login" class="text-yellow-300 hover:text-yellow-400">Log In</a>
                     <span class="mx-2">|</span>
-                    <a href="/TODO/newaccount" class="text-yellow-300 hover:text-yellow-400">Create Account</a>
+                    <a href="/newacct" class="text-yellow-300 hover:text-yellow-400">Create Account</a>
                 {{ else }}
                     You are logged in as <b>{{ .CurrentUser().Username }}</b>
                     <span class="mx-2">-</span>