Replace content in a label with that of another file

Currently I have a label

<asp:label id="lblTerms" runat="server">
         You can see our full <a onclick="FullTerms();">Terms & Conditions.</a>

That calls this function:
<script language="JavaScript">
        function FullTerms(){
                  document.getElementById('lblTerms').innerHTML = " ";
                  document.getElementById('lblTerms').innerHTML = loadPage("test.htm");

But it's not working.

I want to load the test.htm file and replace it in the lblTerms label. Thanks
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The best way to do this with ajax, here is an example:

Without ajax you can use this example:

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