End-User License Agreement for
RetireA for Windows and IRA/401K Workshop for RetireA (THE "SOFTWARE")

NOTICE TO USERS: CAREFULLY READ THE FOLLOWING LEGAL AGREEMENT. USE OF THE
SOFTWARE PROVIDED WITH THIS AGREEMENT CONSTITUTES YOUR ACCEPTANCE OF THESE
TERMS. IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, DO NOT USE THIS
SOFTWARE (SEE 9. REFUNDS). USER'S USE OF THIS SOFTWARE IS CONDITIONED UPON
COMPLIANCE BY USER WITH THE TERMS OF THIS AGREEMENT.

1. LICENSE GRANT. McGrath Concepts, LLC grants you a license to use one
copy of the version of this SOFTWARE on any one hardware product ("LICENSED
COMPUTER") for as many licenses as you purchase. "You" means the company, 
entity or individual whose funds are used to pay the license fee. "Use" means storing, loading,
installing, executing or displaying the SOFTWARE. You may not modify
the SOFTWARE or disable any licensing or control features of the SOFTWARE
except as an intended part of the Software's programming features. This
license is not transferable to any other company, entity or individual.

2. OWNERSHIP. The SOFTWARE is owned and copyrighted by McGrath Concepts, LLC.
Your license confers no title or ownership in the SOFTWARE and should not
be construed as a sale of any right in the SOFTWARE.

3. COPYRIGHT. The SOFTWARE is protected by United States copyright law
and international treaty provisions. You acknowledge that no title to
the intellectual property in the SOFTWARE is transferred to you.
You further acknowledge that title and full ownership rights to the
SOFTWARE will remain the exclusive property of McGrath Concepts, LLC
and you will not acquire any rights to the SOFTWARE except as expressly
set forth in this license. You agree that any copies of the SOFTWARE
will contain the same proprietary notices which appear on and in the
SOFTWARE.

4. REVERSE ENGINEEERING. You agree that you will not attempt to reverse
compile, modify, translate, or disassemble the SOFTWARE in whole or part. 

5. No OTHER WARRANTIES. MCGRATH CONCEPTS, LLC DOES NOT WARRANT THAT
THE SOFTWARE IS ERROR FREE. MCGRATH CONCEPTS, LLC DISCLAIMS ALL OTHER
WARRANTIES WITH RESPECT TO THE SOFTWARE, EITHER EXPRESS OR IMPLIED,
INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT OF THIRD PARTY
RIGHTS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED
WARRANTIES OR LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY MAY LAST, OR
THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO
THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.
THIS WARRANTY GIVES YOU SPECFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE
OTHER RIGHTS WHICH VARY FROM JURISDICTION TO JURISDICTION.

6. SEVERABILITY. In the event of invalidity of any provision of this
license, the parties agree that such invalidity shall not affect the validly
of the remaining portions of this license.

7. NO LIABILITY FOR CONSEQUENTIAL DAMAGES. IN NO EVENT SHALL
MCGRATH CONCEPTS, LLC OR ITS SUPPLIERS BE LIABLE TO YOU FOR ANY
CONSEQUENTIAL, SPECIAL, INCIDENTAL OR INDIRECT DAMAGES OF ANY KIND
ARISING OUT OF THE DELIVERY, PERFORMANCE OR USE OF THE SOFTWARE,
EVEN IF MCGRATH CONCEPTS, LLC HAS BEEN ADVISED OF THE POSSIBILITY OF
SUCH DAMAGES. IN NO EVENT WILL MCGRATH CONCEPTS, LLC LIABILITY FOR ANY
CLAIM, WHETHER IN CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY,
EXCEED THE LICENSE FEE PAID BY YOU, IF ANY.

8. GOVERNING LAW. This license will be governed by the laws of the
State of Delaware as they are applied to agreements between Delaware
residents entered into and to be performed entirely within Delaware.
Any action or proceedings brought by either party shall be brought only
in a STATE or Federal COURT of competent jurisdiction located in
the state of Delaware. The parties hereby consent to in personam
jurisdiction of said courts.

9. REFUNDS. In the event that you are dissatisfied with the SOFTWARE,
you can receive a full refund, by notifying the dealer in writing
(where you purchased the SOFTWARE) and by agreeing (in writing) to:
un-install the SOFTWARE from the LICENSED COMPUTER and destroy original
and all copies of SOFTWARE files.
Your license as described in section 1). LICENSE GRANT, will be revoked
on the date refund is issued.
No refunds will be paid after thirty (30) days from original sale date.

10. BACKUP COPIES. As a licensed owner, you are permitted to make back-up
copies of the original disk files as long as those files are used on your
LICENSED COMPUTER. You are not permitted to duplicate the SOFTWARE
for the purpose of giving or selling to others.

11. ENTIRE AGREEMENT. This is the entire agreement between you and
McGrath Concepts, LLC which supersedes any prior agreement or
understanding, whether written or oral, relating to the subject
matter of this license.

  









