END USER LICENSE AGREEMENT

IMPORTANT - READ CAREFULLY: This End-User License Agreement ("EULA") is a legal agreement between you (either an individual or a single entity) and Equisoft Inc. (the "Company") covering your use of RetireWare Retirement Planning software and other Web applications made available to you (the "Software"). Be sure to read the following agreement and the Terms of Use before using the Software.

DO NOT USE THE SOFTWARE UNTIL YOU HAVE READ THE LICENSE AGREEMENT. BY ACCEPTING TO USE THIS SOFTWARE, THE COMPANY WILL ASSUME THAT YOU HAVE AGREED TO BE BOUND BY THIS AGREEMENT. IF YOU DO NOT ACCEPT THE TERMS OF THIS LICENSE, YOU MUST STOP USING THE SOFTWARE.

RESERVATION OF RIGHTS AND OWNERSHIP. The Company reserves all rights not expressly granted to you in this EULA. The Software is protected by copyright and other intellectual property laws and treaties. The Company owns the title, copyright, and other intellectual property rights in the Software. The Software is licensed, not sold. This EULA does not grant you any rights to trademarks or ownership of the Software.

GRANT OF LICENSE The Company grants to you and you accept a license to use the programs and related materials ("Software") delivered with this License Agreement. This Software is licensed for use by one one person (the "Licensee"). You agree that you will not transfer or sublicense these rights. If more than one person use the Software on the same user account, you must request a multi-user license from the Company or obtain written consent.

TERM This License Agreement is effective from the day you receive the Software, and continues until you terminate your user account. The Company shall have the right to terminate this license if you violate any of its provisions. The Company or its licensors own all right, title, and interest including all worldwide copyrights in the Software.

TERMINATION. Without prejudice to any other rights, the Comapny may terminate this EULA if you fail to comply with the terms and conditions of this EULA. In such event, your right to use this Software and the rights to use the files produced using the Software by third parties terminates automatically.

YOUR AGREEMENT You agree not to allow use of the Software in any form to any other party without the prior written consent of the Company. You further agree not to copy the Software in whole or in part unless the Company consents in writing. You will use your best efforts and take all reasonable steps to protect the Software from unauthorized publication, disclosure, or distribution, and you agree not to disassemble, decompile, reverse engineer, or transmit the Software in any form or by any means. You understand that the unauthorized use of the Software may be a serious crime, as well as subjecting you to damages and attorney fees.

UPDATES The Company will do its best to notify you of subsequent updates released to the public or major corrections and the price for which they may be obtained, PROVIDED YOU HAVE AGREED TO THE LICENSE AGREEMENT

WARRANTY. Company represents and warrants that he has full title and ownership to the Software and has the authority to grant the license hereunder. To the best of Company knowledge the Software does not infringe upon the intellectual property rights of any third party and that he did not receive any notice regarding any alleged infringement thereof.

DISCLAIMER OF WARRANTIES. The Software and its related material are provided "AS IS" and without warranty of any kind and the Company expressly disclaims all other warranties, expressed or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose.

DISCLAIMER The Company makes no warranties, either express or implied, including the implied warranties of fitness for a particular purpose or merchantability, and the Company shall not be liable for tort, indirect, special or consequential damages such as loss of profits or loss of goodwill from the use or inability to use the Software for any purpose.

Although every effort has been made to ensure its accuracy, the Company will not be liable for any damages arising from its use or misuse. Moreover, using RetireWare or any related materials does not in any way result in the Company providing investment or financial advice. It is assumed that the end-user obtains advice from professional investment or tax advisors before taking any decisions resulting from the use of the software.

ONLINE REGISTRATION. All updates and corrections are provided to you shall become part of the Software and be governed by the terms of this license agreement.

MISCELLANEOUS This EULA and the Terms of Use published on this Website are the only agreement between you and the Company and it cannot and shall not be modified by purchase orders, advertising or other representations of anyone, unless a written amendment has been signed by a company officer. This EULA shall be governed by the laws of Canada and its provinces, and is deemed entered into at Toronto, Ontario by both parties.

REFUND POLICY Cancellation of the subscription can be obtained at any time provided a request is received within ten (10) days of the last billing date.

EXCLUSION OF INCIDENTAL, CONSEQUENTIAL AND CERTAIN OTHER DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES WHATSOEVER (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS OR CONFIDENTIAL OR OTHER INFORMATION, FOR BUSINESS INTERRUPTION, FOR PERSONAL INJURY, FOR LOSS OF PRIVACY, FOR FAILURE TO MEET ANY DUTY INCLUDING OF GOOD FAITH OR OF REASONABLE CARE, FOR NEGLIGENCE, AND FOR ANY OTHER PECUNIARY OR OTHER LOSS WHATSOEVER) ARISING OUT OF OR IN ANY WAY RELATED TO THE USE OF OR INABILITY TO USE THE SOFTWARE, THE PROVISION OF OR FAILURE TO PROVIDE SUPPORT OR OTHER SERVICES, INFORMATON, SOFTWARE, AND RELATED CONTENT THROUGH THE SOFTWARE OR OTHERWISE ARISING OUT OF THE USE OF THE SOFTWARE, OR OTHERWISE UNDER OR IN CONNECTION WITH ANY PROVISION OF THIS EULA, EVEN IN THE EVENT OF THE FAULT, TORT (INCLUDING NEGLIGENCE), MISREPRESENTATION, STRICT LIABILITY, BREACH OF CONTRACT, AND EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

LIMITATION OF LIABILITY. In no event shall the Company's liability exceed the license fees paid, if any.

Security

THE COMPANY is the sole owner of the information collected through RetireWare and/or the Site. With RetireWare, your information is completely secure. You may request at any time the deletion of your information from our files and/or cessation of email notifications. You may unsubscribe by notifying us at info@retireware.com.

THE COMPANY will take every reasonable precaution to protect information from misuse, loss and unauthorized access. Although THE COMPANY cannot guarantee that users' information will not be subject to unauthorized access by hackers, THE COMPANY has appropriate security procedures in place to protect users' information. Information is stored on secure, password protected servers and is only accessible by employees who need the information to perform a specific job. The servers that store user information are in a physically secure environment.

If you have any questions or comments concerning this EULA, please contact us at http://secure.retireware.com/contact.aspx.

Equisoft Inc.