License and Royalty Agreements
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         1.4 License Agreement.

         1.4.1 License
              Touchstone Business Creations ("Touchstone") grants you
         a non-exclusive license of unlimited duration to use the
         Touchstone Software Programs, Documentation and Permitted
         Copies ("Software") as specified in the agreement.  This
         agreement specifically does not grant you any rights to patents,
         copyrights, trade secrets and trademarks.

         1.4.2 Runtime
              You may distribute the Software in your executable programs
         without any additional license from Touchstone provided that no
         part of the software can be separated in whole or in part from
         your executable program.  You may not distribute the Software as
         part of a Runtime Link Library ("RTL"), a Dynamic Link Library
         ("DLL") or a similar runtime system.

         1.4.3 Copyright
              You acknowledge and agree that the Software (including
         permitted copies) is owned by Touchstone and its suppliers.
         This Software is protected by United States copyright law and
         international treaty provisions.  You agree to safeguard the
         Software as copyrighted material.

         1.4.4 Permitted Use
         You may use the Software on a single computer or terminal at a
         time.  Each user of the Software must have their own licensed copy.
         Provided the copy is exact (including copyright notices and serial
         numbers) you may make copies of the diskette(s) for backup or
         achival purposes only.  We recommend that you do this.  In addition
         you may transfer one copy of the information on the diskette(s) to
         a single hard disk provided that you keep and use the original
         diskette(s) solely for backup or archival purposes.  You may
         transfer your rights under this agreement on a permanent basis
         provided that you transfer all the Software and the recipient
         agrees to the terms of this agreement.  Any transfer must include
         the most recent update and all prior versions.  Transfer of
         out-of-date or obsolete versions of the software is expressly
         prohibited.

         1.4.5 Restrictions on use
         You may not network the Software or otherwise use it on
         more than one computer or terminal at the same time.
         You may not loan, sublicense, rent, lease, sublease, or otherwise
         transfer any right to use the Software.
         You may not make copies of the Software, or any portion thereof,
         except as specifically provided in this agreement.  You may not
         reproduce, transmit, transcribe, store in a retrieval system, or
         translate into any language the Software or any part thereof.
         You may not, under any circumstances, copy the documentation
         supplied with the Software.
         You may not disassemble, decompile, reverse engineer or create
         derivative works based on the software or any portion therof.
         You acknowledge that the structure and organization of the
         Software are the valuable trade secrets of Touchstone.
         You agree to hold such trade secrets in confidence.

         1.4.6 Limited warranty
              The software is provided "as is" and without warranty of
         any kind.
         Touchstone does warrant the diskette(s) on which the Software is
         recorded shall be free from defects in materials and workmanship
         under normal use and service for a period of thirty days from date
         of delivery of this package as evidenced by a copy of your receipt.
         To execise your rights under this warranty you must return the
         defective material to Touchstone at your expense within the
         warranty period or first notify Touchstone in writing within the
         warranty period that you have found a defect and return the
         material immediately thereafter to Touchstone at your expense.
         Touchstone's liability and your exclusive remedy and sole measure
         of recoverable damages under the foregoing warranty for any
         diskettes which are determined to be defective shall be,
         at Touchstones options (1) return of the price paid, or (2)
         repair or replacement of the defective materials.  In the event
         of replacement of a diskette, the replacement will be warranted
         for the remainder of the thirty days or fourteen days, whichever
         is longer.
         THIS WARRANTY AS SET FORTH ABOVE IS THE ONLY WARRANTY OF ANY KIND,
         EITHER EXPRESS OR IMPLIED, WITH RESPECT TO THE SOFTWARE, INCLUDING,
         BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY,
         ORIGINALITY OR FITNESS OF A PARTICULAR PURPOSE.

         1.4.7 Limitation of liability
              NEITHER TOUCHSTONE NOR ANYONE WHO HAS BEEN INVOLVED IN THE
         CREATION, PRODUCTION, OR DELIVERY OF THE SOFTWARE SHALL BE LIABLE
         FOR ANY LOST PROFITS OR ANY INCIDENTAL, INDIRECT, CONSEQUENTIAL,
         EXEMPLARY OR SPECIAL DAMAGES OR COSTS (INCLUDING LEGAL EXPENSES,
         OR LOSS OF GOODWILL) ARISING OUT OF OR RELATING TO THE USE OF,
         THE RESULTS OF, OR THE INABILITY TO USE THE SOFTWARE, EVEN IF
         TOUCHSTONE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES
         OR CLAIM.

         1.4.8 Indemnity
              You agree to indemnify and defend Touchstone from and against
         any and all claims, suits, damages, and expenses (including legal
         expenses) brought against or suffered by Touchstone Business
         Creations as a result of and failure or malfunctions of an
         application within which or into which you have compiled or
         incorporated the Software and/or the Software runtime modules.

         1.4.9 US Government Restricted Rights
              The Software and documentation are supplied with restriced
         rights.  Use, duplications or a disclosure by the Government is
         subject to restrictions as set forth in subparagraph (c) (1) (ii)
         of the rights in Technical Data and Computer Software Clause
         at DFARS 252.227-7013 or subparagraphs (c) (1) and (2) of the
         Commercial Computer Software - restricted Rights at 48 CFR
         52.227-19, as applicable.  Contractor/manufacturer is
         Touchstone Business Creations, 28613 River Glen Ct. #1,
         Menifee, CA 92584-8987.

         1.4.10 Updates
              Touchstone reserves the right, at its sole discretion, to
         change, modify or update the Software at any time without the
         obligation of notifying anyone.  Touchstone reserves the right
         to offer updates to the Software either free of charge or for
         an additional charge.  In order to be eligible to obtain updates
         or information on updates you must complete and return the
         supplied registration card to Touchstone.