INTRODUCTION Neural Applications Corporation, 2600 Crosspark Road, Coralville, Iowa 52241 ("Neural"), is launching new services ("Services") to provide Internet users with a proprietary application program written in the Java(tm) language which will automatically access and retrieve current pricing information for a user with respect to a user identified stock portfolio and to review suggested stock predictions or ratings. This NETPROPHET(tm) software ("Software") allows the user to access and use the Services. Neural is offering the Software under a limited license to permit users to evaluate the Software and Services free of charge for a limited period of time. IF YOU, FOR PURPOSES OF THIS AGREEMENT "YOU" IS DEFINED AS AN INDIVIDUAL AND THIS DEFINITION APPLIES TO THE USE OF YOU THROUGHOUT THIS AGREEMENT, CHOOSE TO PROCEED TO USE THE SOFTWARE, YOU ARE AGREEING TO THE TERMS AND CONDITIONS OF THE FOLLOWING LICENSE. CAREFULLY READ THE FOLLOWING LICENSE BEFORE USING THE SOFTWARE. IF YOU DO NOT WISH TO ENTER INTO THE FOLLOWING LICENSE, PRESS "DON'T AGREE" AND DELETE THE SOFTWARE FROM YOUR SYSTEM. LIMITED NON-EXCLUSIVE LICENSE FOR NETPROPHET(tm) 1. USING THE SOFTWARE MEANS THAT YOU ARE ACCEPTING THE TERMS AND CONDITIONS OF THIS LICENSE AGREEMENT. 2. Neural Applications Corporation, 2600 Crosspark Road, Coralville, Iowa 52241 ("Neural") hereby grants you are non-exclusive and limited license to use the accompanying version of Neural's NETPROPHET(tm) software free of charge for an evaluation period ("Evaluation Period"), solely for the purposes of evaluating the Software and Services accessed by the Software. In consideration for the use of the Software, you agree to be bound by the terms and conditions set forth herein. 3. The license shall run for the length of the Evaluation Period. After termination of the Evaluation Period, you will have the choice of discontinuing use of the Software or entering into a fee-bearing license agreement with Neural. The length of the Evaluation Period shall be determined solely by Neural. 4. The Software is owned and copyrighted by Neural. Unauthorized reproduction of the Software is strictly prohibited and may constitute copyright infringement, which may subject you to civil and/or criminal penalties. 5. You may not: (a) permit unlicensed individuals to use the Software; (b) modify, translate, reverse engineer, decompile, or disassemble the Software (except to the extent applicable laws specifically prohibit such restriction); (c) create derivative works based on the Software (i.e. create a new program that incorporates all or part of the Software); (d) sell, lease, or otherwise transfer any copies of the Software to third parties; (e) sublicense to any third party the rights granted in this License Agreement; (f) redistribute, copy for redistribution or otherwise publish any of the information accessed by the Software that is related to predictions or ratings of stocks; or (g) destroy or otherwise remove any proprietary notices or labels on the Software. 6. DISCLAIMER OF WARRANTY. THE SOFTWARE IS PROVIDED "AS IS." NEURAL MAKES NO WARRANTIES WITH RESPECT TO THE SOFTWARE OR THE INFORMATION AND SERVICES ACCESSED USING THE SOFTWARE. NEURAL HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS AND IMPLIED, WITH RESPECT TO THE SOFTWARE AND INFORMATION AND SERVICES ACCESSED USING THE SOFTWARE, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON- INFRINGEMENT. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE SOFTWARE AND THE QUALITY OF THE INFORMATION AND SERVICES ACCESSED BY THE SOFTWARE SHALL BE BORNE ENTIRELY BY YOU. THIS DISCLAIMER OF WARRANTY CONSTITUTES AN ESSENTIAL PART OF THE AGREEMENT. 7. LIMITATION OF LIABILITY. UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (TORT, CONTRACT OR OTHERWISE) SHALL NEURAL OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, DISTRIBUTORS OR RESELLERS BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY COSTS, CLAIMS, OR DAMAGES, INCLUDING WITHOUT LIMITATION ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (SUCH AS DAMAGES FOR LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE OR MALFUNCTION), OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, EVEN IF NEURAL HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES, COSTS, LOSSES OR CLAIMS. 8. Should the Software prove defective, you shall assume the entire cost of any service and repair. 9. Stock prediction information and historical market data are updated daily on Neural's internet file servers. Readers should not assume that the recommendations made will be profitable or will equal the performance of any past recommendations. The recommendations and the contents of the electronic publications have been compiled from original and published sources believed reliable by Neural but are not guaranteed as to accuracy or completeness. Neural and associated individuals may, at times, hold positions in the investments recommended in the NETPROPHET(tm) publications. 10. This License Agreement shall be governed by the law of the State of Iowa, excluding its choice of laws provisions. 11. If any provision of this License Agreement shall be unenforceable or invalid under any applicable law or be so held by applicable court decision, such enforceability or invalidity shall not render this License Agreement unenforceable or invalid as a whole, and, in such event, such provision shall be changed and interpreted so as to best accomplish the objectives of such unenforceable or invalid provision within the limits of applicable laws or applicable court decisions. 12. You agree that you shall not use the Software or the information or Services accessed by the Software for any unlawful purpose. 13. This License Agreement may be terminated by Neural at any time without cause. 14. JAVA(tm) and other JAVA-based names are trademarks of Sun Microsystems, Inc., and refer to Sun's family of JAVA-branded technologies. 15. You agree to cease use of the Software upon any expiration or termination of this Agreement.