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                                                                   EXHIBIT 10.11

                           SOFTWARE LICENSE AGREEMENT
                   MAUI (Multiple Application User Interface)

This Software License Agreement (the "Agreement") made this the 1/st/ day of
December, 2001, is by and among INFOVISA ("Licensor"), and Westwood Trust,
("Licensee").

The terms of this Software License Agreement apply to Licensor's software known
as MAUI (Multiple Application User Interfaces) which includes ETA (Enhanced
Trust Accounting) and ETR (Enhanced Trust Reporting) (Software), which is owned
by Unipac Service Corporation ("Unipac"). INFOVISA warrants it has the right to
sublicense the Software.

NOW, THEREFORE, in consideration of the mutual promises in this document, the
parties agree as follows:

1.   Grant. Subject to all the terms and conditions of this Software License
     -----
     Agreement, Licensor hereby grants the Licensee a personal, non-exclusive,
     non-transferable right and license to use the Software and any documents,
     manuals or other material provided in support of the software. No transfer
     of ownership is intended by this Software License Agreement.

2.   Term. This Agreement shall be in force beginning on the date accepted by
     ----
     the President of Infovisa and shall continue for a period of three (3)
     years commencing with the December, 2001 bill for monthly maintenance.

3.   Product Provided. Licensor will provide an executable module in
     ----------------
     machine-readable form for that version of the software licensed to the
     licensee as described in Attachment A. Licensor will provide installation,
     training. and maintenance of the software, along with sufficient testing to
     insure that the software is "up and running," is performing all specified
     tasks, and is functioning in accordance with Licensor's own specifications.
     The Licensee is not permitted to modify or re-engineer the Software without
     the Licensor's written consent, although any additional modifications and
     services not pertaining to installation of the Software requested by the
     Licensee may be provided for on a pay for basis by Licensor upon mutually
     agreeable terms. Licensor shall have a right to a copy of all modifications
     and all modifications shall be owned by Unipac.

4.   Consideration.
     -------------

     A.   Maintenance Fees. In consideration of the services to be performed
          under paragraph 9 of this Agreement, Licensee shall pay Licensor a
          maintenance fee (the "Maintenance Fee") for each Software Product, in
          the amount specified in Attachment A, for each month during the
          Initial Term and any Renewal Term. The Maintenance Fee shall be billed
          monthly in advance, and shall become due on the first (01) day of the
          following month. The initial maintenance fee shall be billed
          immediately following installation.

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     B.   License Fee. In consideration of the license granted under paragraph 1
          of this Agreement. Licensee shall pay to Licensor a one time license
          fee (the "License Fee") for each software product in the amount stated
          in Attachment A. The license fee shall be due with the acceptance of
          this agreement. Licensee's obligation to pay the License Fee in
          accordance with such schedule shall be independent of any ongoing
          maintenance, expenses, taxes, or other obligations of Licensor under
          this agreement.

     C.   Expenses. Licensee shall reimburse Licensor for all shipping and
          postage charges incurred in performing its obligations under this
          Agreement. Licensee shall also reimburse Licensor for any telephone
          charges incurred in providing maintenance services under this
          Agreement by means of modem access to Licensee's computer systems.
          Payment for all expenses to be reimbursed by Licensee under this
          Agreement shall become due (30) days after receipt of an itemization
          prepared by Licensor, which itemization shall be prepared monthly or
          quarterly, at Licensor's option.

     D.   Taxes. Licensee shall pay to Licensor the amount of any sales, use, ad
          valorem, excise or other similar taxes, or governmental charges
          (excluding taxes on Licensor's gross or net income) paid or payable by
          Licensor as a result of the execution or performance of this Agreement
          or with respect to the Software Product or its use by Licensee. Such
          amounts shall become due thirty (30) days after billing of Licensor's
          invoice therefore.

     E.   Confidentiality. Licensee shall not, without Licensor's prior written
          consent, disclose to any third party the amount of any fees or any
          other charges under this Agreement, or any Schedule hereto, or any
          other terms of this Agreement or such Schedules, except as required by
          law. Licensee's obligations under this paragraph shall survive the
          expiration or earlier termination of this Agreement.

5.   Interest. Interest on all past due amounts under this Agreement shall
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     accrue from the date due at an annual interest rate equal to the lesser of
     18% per annum or the maximum interest rate permitted by law.

6.   Acceptance/Notice. Licensee agrees to accept the Software, and use the
     -----------------
     Software according to the instructions supplied by Licensor. Licensee shall
     notify the Licensor of all instances where the Licensee believes that (1)
     the program is not functioning, or (2) the program is not functioning in
     accordance with the documentation and/or manuals. For each such instance,
     Licensee agrees to provide notice to Licensor. Each such notice shall
     explain, as well as Licensee can, the step-by-step process leading up to
     the instance itself, any subsequent actions taken by Licensee, and the
     results of such action. The notice shall be completed and sent to Licensor
     in a reasonable time (in most cases within three (3) days after the
     instance first occurs).

7.   Software from Other Vendors. In any other instance in which the Software
     ---------------------------
     modifies in any way other software licensed from any other vendor, the
     Licensee shall be responsible for keeping a copy of the unmodified software
     readily available, and this unmodified

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     copy shall be the copy of that software which shall be retuned to its
     vendor if such is required. The Licensor assumes no responsibility with
     regard to the Licensee's use of any software other than its own.

8.   Trade Secrecy. The Licensee recognizes that the Software, Database and
     -------------
     Documentation are trade secrets and exclusive properties of Unipac;
     therefore, the Licensee shall take special care to preserve their
     confidentiality. In particular, the Licensee shall not sell, distribute,
     allow access to, or transfer, in any manner, any copy of the Software or
     Documentation in whatever form to any other party without the express
     written authorization of Licensor. The Licensee shall not allow access to
     the Software or Documentation by any third parties. The Licensee shall take
     care that any copies of any materials that it makes for its own use will be
     clearly labeled as copyrighted materials using the form,

                    CONFIDENTIAL AND TRADE SECRETS MATERIALS.

     Notwithstanding anything in this Agreement to the contrary, it is the
     express intention of the parties to this Agreement that all right, title
     and interest of whatever nature in Licensor's users manuals, training
     materials, all computer programs, routines, structures, layout, report
     formats, together with all subsequent versions, enhancements, and
     supplements to said programs, all copyrights (including both source and
     object code) and all oral or written information relating to the Software
     conveyed in confidence by Licensor to Licensee pursuant to this Agreement,
     and all other forms of intellectual property of whatever nature is and
     shall remain the sole and exclusive property of the Unipac. During the term
     of this Agreement and for a period of three years after termination of this
     Agreement or any renewal thereof, Licensee shall not directly or indirectly
     engage in acts to development, acquisition. or engagement of a third party
     to develop (collectively, "Competitive Development") any type of software
     which performs any function(s) performed by (or any function similar to a
     function performed by) the Software with an intent to use the same or sell
     interests in or license the same to third parties. Licensee shall give
     immediate written notice to Licensor of any intent or discussions on the
     part of Licensee to engage in Competitive Development.

9.   Maintenance Services. Licensor will provide maintenance services for each
     --------------------
     Software Product during the Initial Term and any Renewal Term under the
     applicable Schedule in accordance with the following:

     A.   Enhancements. Licensor will provide Licensee with any updates,
          corrections and enhancements to the Software Product specified in
          Attachment A, which Licensor distributes without additional charge,
          other than expenses described in Paragraph 4, to its maintenance
          customers generally. If Licensor distributes any option or new product
          for which it charges an additional fee, Licensor will make such option
          or new product available to Licensee on the same terms it offers
          generally to other maintenance customers for the Software Product.

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     B.   Program Corrections. If the Software Program does not perform
          substantially as described in the Documentation, when installed and
          used in the operating environment, and in the manner specified in the
          Documentation, and if Licensee notifies Licensor of the defect,
          Licensor will use its best efforts to correct the defect by providing
          Licensee corrected code or an alternative solution. Licensor does not
          represent or warrant that all defects or errors will be detected or
          corrected.

     C.   Telephone Support. Licensor will provide reasonable telephone support
          to assist Licensee in resolving problems encountered in the use of the
          Program, which, in Licensor's judgment are attributable to the Program
          and are not adequately addressed by the Documentation. Such support
          will be provided during normal business hours, Eastern Time, Monday
          through Friday, excluding Licensor's regularly scheduled holidays.

     D.   Cooperation of Licensee. As a condition to Licensor's obligations
          under paragraphs 9B and 9C above, Licensee shall: (1) install, in
          accordance with Licensor's instruction, all Program updates and
          corrections Licensee receives from Licensor under this Agreement; (2)
          perform such procedures as may be described in the Documentation for
          the identification and resolution of problems; and (3) provide
          Licensor with sufficient information and assistance for Licensor to
          duplicate problems reported by Licensee, to determine that the problem
          is with the Software Product, and to determine that the problem has
          been corrected.

10.  Licensee's Additional Responsibilities.
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     A.   The Licensee will provide the Licensor a contact person to be the data
          administrator for the Software;

     B.   The data administrator should have knowledge of investments and trust
          operations;

     C.   The Licensee will supply and input the comparison index information
          into the Software;

     D.   The Licensee will make changes to the data that has been downloaded
          into the Software when necessary;

     E.   The Licensee will provide at a minimum weekly backups of the software
          and data;

     F.   The Licensee will provide computer equipment and software to run the
          Maui software programs as specified in Attachment B. The Licensee will
          maintain computer equipment and software compatible with the
          Licensor's modifications and therefore, agrees to purchase new
          equipment and software as may reasonably be required by the Licensor.

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11.  Warranty Terms.
     --------------

     A.   Limited Warranty. Licensor warrants that upon installation of the
          Software to Licensee, the Software will perform substantially as
          described in the Documentation, when installed and used in the
          operating environment and in the manner specified in the
          Documentation, and the Program media and documentation will be free of
          material physical defects. Licensor's sole obligation with respect to
          the Software under this warranty shall be to provide maintenance
          services for correction of the defect in accordance with paragraph 9B
          of this Agreement. Licensor's sole obligation with respect to the
          defective Software or Documentation under this warranty shall be to
          replace the defective item. Licensor does not warrant that the
          Software will meet Licensee's requirements or that operation of the
          software will be uninterrupted or error free.

     B.   Disclaimer. THE FOREGOING WARRANTY IS THE ONLY WARRANTY MADE BY
          LICENSOR AND IS MADE IN LIEU OF ANY OTHER WARRANTY, EXPRESS OR
          IMPLIED, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A
          PARTICULAR PURPOSE. No employee or agent of Licensor is authorized to
          make any different or additional warranties to Licensee and Licensor
          will not be bound by any such purported warranties.

12.  Liability for Damages. The Licensee understands that the Licensor will not
     ---------------------
     be in a position to control the use which the Licensee makes of its
     computer system or the other software and peripherals the Licensee uses
     thereon. or the procedures the Licensee employs in its computer operation.
     All claims with regard to the Software by the Licensee against the Licensor
     must be made within one (1) year of the acceptance of the Software or any
     updates thereto or forever be barred.

     Except for the express warranty set forth in this Agreement, Licensor makes
     no representations of warranties of any nature, oral or written, express or
     implied regarding the Software, the documentation, the services provided
     under this Agreement, or any other matter, INCLUDING, BUT NOT LIMITED TO,
     THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
     PURPOSE. This Agreement does not constitute a joint account either express
     or implied between Licensor and Licensee. Licensor is acting as an
     independent contractor and not as an agent of the Licensee organization.
     Any liability of Licensor to Licensee, whether for breach of this
     Agreement, negligence, or otherwise, shall be specifically subject to the
     limitations of paragraph 13, and in no event shall its liability exceed the
     actual amount of payments made by Licensee to Licensor during the
     then-existing term of this Agreement.

13.  Limitation of Liability. BECAUSE SOFTWARE IS INHERENTLY COMPLEX AND MAY NOT
     -----------------------
     BE COMPLETELY FREE OF ERRORS, LICENSEE IS ADVISED TO VERIFY LICENSEE'S WORK
     AND TO MAKE BACKUP COPIES. IN NO EVENT WILL LICENSOR BE LIABLE FOR
     INDIRECT, SPECIAL, INCIDENTAL, ECONOMIC, COVER, OR CONSEQUENTIAL DAMAGES
     ARISING OUT OF THE USE OF OR INABILITY TO USE THE SOFTWARE OR USER
     DOCUMENTATION.

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     EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. LICENSOR'S LIABILITIES
     IN TORT CONTRACT OR OTHERWISE SHALL BE LIMITED TO CORRECTION OR
     REPLACEMENT, IN ACCORDANCE WITH PARAGRAPH 11, OF DEFECTIVE PORTIONS OF THE
     SOFTWARE PRODUCT. IN NO EVENT WILL LICENSOR BE LIABLE FOR ANY INCIDENTAL OR
     CONSEQUENTIAL DAMAGES RESULTING FROM ANY BREACH OF THIS AGREEMENT, OR
     ARISING OUT OF THE USE OR INABILITY TO USE ANY SOFTWARE PRODUCT OR ANY
     SERVICES PROVIDED HEREUNDER (INCLUDING BUT NOT LIMITED TO LOST PROFITS OR
     REVENUES, LOSS OF DATA OR CLAIMS BY THIRD PARTIES), EVEN IF ADVISED OF THE
     POSSIBILITY OF SUCH DAMAGES.

14.  Site Specification. The Licensee's use of the Software is restricted to
     ------------------
     unlimited concurrent user(s) having access to an unlimited number of
     accounts on the Licensee's existing database, at the site(s) at which
     Licensee conducts its day-to-day operations, said site(s) being located at
     300 Crescent Court, Dallas, Texas or a disaster recovery site designated by
     Licensee. The Software is to be used by Licensee to process accounts of
     Licensee only, and acknowledges that Licensor will suffer damage if
     Licensee permits the Software to be used to process accounts of unrelated
     third parties not expressly covered by this License Agreement.

     Licensee grants to Licensor the right to inspect its computer operations to
     determine if it is in compliance with this Agreement: however. the Licensor
     agrees that it will act reasonably in the exercise of this right and
     cooperate with the Licensee to avoid disruption of its computer operations
     and to preserve the confidentiality of any of its files. Should Licensee be
     found to be using the Software in violation of this Agreement, Licensee
     agrees to pay any and all additional fees Licensor determines due and owing
     under the current fee schedule, accruing from the original date of this
     Agreement.

15.  Operating System/Database Specification. Licensee recognizes the need to
     ---------------------------------------
     maintain on the microcomputer operating system software compatible with
     Licensor's enhancements to the Software and therefore Licensee agrees to
     purchase, install and maintain new versions of the applicable operating
     system and database application as recommended by Licensor within the time
     frame specified by Licensor. Licensor shall provide reasonable notice of
     such upgrades to Licensee.

16.  Return of Software Product. On or before the expiration or earlier
     --------------------------
     termination of this Agreement as to a Software Product, Licensee at its
     expense shall return such Software Product (including the original Program
     media and all copies of the Documentation) by delivering the same to
     Licensor, shall destroy or return to Licensor all copies of the Program
     installed or made by Licensee, and shall certify to Licensor in writing.
     that no copies of Program or Documentation have been retained.

17.  Remedies Cumulative; No Waiver. No remedy of Licensor contained in this
     ------------------------------
     Agreement shall be considered exclusive of all other remedy; but rather,
     each remedy shall be distinct, separate and cumulative, and in addition to
     any other right or remedy provided in this Agreement or by applicable law.
     Each such right or remedy may be pursued singularly, successively or
     together in the sole discretion of Licensor and the failure to exercise any
     such right or remedy shall in no event be construed as a waiver or

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     release of the same. Licensor may waive any right or remedy available to
     it, but any such waiver is not continuing, is limited to the specific act
     or omission waived and shall not affect any other rights or remedies.

18.  Default by Licensee. In the event Licensee fails to perform any of the
     -------------------
     obligations under this Agreement (with the exception of payment under
     paragraph 4 with attachments), and this failure continues for a period of
     ten (10) days from the date when performance should have been rendered,
     Licensee shall be deemed to be in default of its obligations hereunder.
     Failure to make any payment required under paragraph 4 of this Agreement
     and attachments, within 60 days from date of invoice, shall constitute a
     default under this Agreement.

19.  Right to Suspend Performance Without Terminating. In the event of a default
     ------------------------------------------------
     in any terms of this Agreement by Licensee, then, in addition to Licensor's
     right to terminate this Agreement and any other rights and remedies
     Licensor may have, Licensor may suspend performance of all services under
     this Agreement (and deny Licensee access to Software updates) until the
     default is cured; in such event, Licensee shall remain liable to Licensor
     under the terms of this Agreement, including all payments required under
     paragraph 4 until the default is cured.

20.  Renewal. This Agreement shall automatically renew itself for additional
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     successive five (5) year terms, unless at least ninety (90) days prior to
     the end of the original term or any renewal term, Licensee gives Licensor,
     or Licensor gives Licensee, written notice of its intent to cancel this
     Agreement at the end of the then current term.

21.  Right to Terminate; Damages Upon Termination. In the event a default by
     --------------------------------------------
     either party shall occur hereunder, the other party may, at its option,
     terminate this Agreement, so long as the terminating party gives the other
     party written notice, by registered mail, of intent to terminate ninety
     (90) days prior to the date terminating party intends to terminate this
     Agreement. The party in default will have the right to cure the default
     during the 90 day notice period, and by curing said default, maintain and
     continue the terms of this agreement. Licensee acknowledges that Licensor
     will incur great initial costs and expertise to install the Software and to
     provide training and customer support for Licensee's personnel. The
     recovery of said costs and expenses by Licensor are to take place over the
     term of this Agreement and any renewal. Therefore, in the event of default
     of this Agreement by Licensee, Licensee agrees to pay to Licensor an amount
     equal to the maintenance fees due for the remaining balance of the term of
     this Agreement or any renewal thereof, so that Licensor may recoup its
     initial costs and expenses. In addition, all Software, equipment, manuals
     and other property of Licensor in Licensee's possession shall immediately
     be returned to Licensor, at Licensee's expense. Notwithstanding the
     foregoing, nothing herein shall limit Licensor's legal and equitable
     remedies against Licensee in the event of a breach by Licensee of the
     terms, conditions and protective covenants contained in this Agreement,
     including, but not limited to, injunctive relief in the event Unipac or
     Licensor's proprietary interests in the Software are threatened or
     infringed.

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22.  Compensation in Subsequent Years. At any time upon thirty (30) days prior
     --------------------------------
     written notice to Licensee, Licensor, at its sole option may increase its
     Maintenance Fee, without Licensee's specific consent. The Maintenance Fee
     may not be increased by more than six (6) percent per calendar year from
     the Maintenance Fee payable the previous calendar year.

23.  Binding Effect; Assignability. This Agreement shall be binding upon and
     -----------------------------
     shall inure to the benefits of the parties hereto and their respective
     heirs, representatives, successors and assigns. Licensee may not assign,
     delegate or otherwise transfer any of its or his rights, duties or
     obligations hereunder or interest herein without written consent of
     Licensor. In the event of any such assignment, delegation, or other
     transfer by Licensee, whether or not Licensor has consented, the Licensee
     shall remain liable for all amounts due hereunder and all other obligations
     of Licensee pursuant to this Agreement, whether the Assignor or Transferee
     is or may also be liable to Licensor.

     Licensor may transfer or assign its rights, duties and obligations
     hereunder or interest herein to any entity related to Licensor by
     substantially similar ownership or control, or to a successor in interest
     pursuant to a merger, reorganization, stock sale or other transaction,
     without consent of user.

24.  Governing Law. This agreement shall be governed by the laws of the State of
     -------------
     Colorado.

25.  Jurisdiction, Venue. The parties hereto agree that. in the event either
     -------------------
     party elects to pursue legal action against the other for default of any
     obligation under this Agreement, such legal action shall be brought in the
     State of Colorado, unless Licensor. at its sole option, elects to bring
     action in the county and state of residence of the Licensee.

26.  Severability. If any part of this Agreement is held void for any reason,
     ------------
     the balance of this Agreement shall continue to be valid and binding.

27.  Violation. Licensee agrees to take all reasonable steps necessary to ensure
     ---------
     that none of its employees nor any related third party violate the terms of
     this Agreement.

28.  Merger Clause. This Agreement and any appendices or other writings signed
     -------------
     by both parties associated herein constitutes the entire Agreement between
     the parties hereto and supersedes all proposals, prior negotiations, and
     agreements, whether oral or written.

29.  Notices. All notices in connection with this Agreement shall be in writing
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     and shall be sent, in person or by first class mail, postage prepaid, to
     the address for the recipient set forth by its signature below or such
     other address as such party may hereafter specify by notice to the other.
     Such notices shall be deemed given when actually delivered to the other
     party or, if sooner, three (3) days after mailing if mailed certified or
     registered mail, postage prepaid.

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WITNESS the due execution hereof the day and date first written above.

DATED this the 30/th/ day of November, 2001.

INFOVISA, Inc.
11120 Treynorth Drive
Cornelius, NC 28031

Signed: /s/ Michael S. Dinges                    Signed: /s/ Brian Casey
       ---------------------------------                ------------------------

PLEASE PRINT OR TYPE:

Name: Michael S. Dinges                          Name: Brian Casey
Title: President                                 Title: President
Date:  December 5, 2001                          Date:  December 1, 2001

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