Document:

<PAGE>

                                                                    EXHIBIT 10.7

                                    AGREEMENT

         Agreement made this 26th day of March, 2003, to be effective as of
January 1, 2003, by and between National Property Analysts Employee Partnership,
a Delaware limited partnership ("EP"), National Property Analysts Master Limited
Partnership, a Delaware limited partnership ("MLP"), and Penn Valley Pension
Group, a Pennsylvania limited partnership ("PVPG").

                                   BACKGROUND

         EP is the owner of various Wraparound Notes (collectively, the "EP
Notes" and individually, an "EP Note"), Wraparound Mortgages (collectively, the
"EP Mortgages" and individually, an "EP Mortgage"), and Collateral Assignments
of Rents and Leases (collectively, the "EP Collateral Assignments" and
individually, an "EP Collateral Assignment") covering the properties equitably
owned by MLP described in Exhibit A attached hereto and made a part hereof.
Several of the EP Notes, the EP Mortgages, and the EP Collateral Assignments
were acquired by EP from PVPG as the result of the partial exercise by EP of its
rights under that certain Option Agreement dated October 12, 1995, by and
between Main Line Pension Group, L.P., a Delaware limited partnership ("MLPG")
and EP (the "Option").

         PVPG is the owner of various Wraparound Notes (collectively, the "PVPG
Notes" and individually, a "PVPG Note"), Wraparound Mortgages (collectively, the
"PVPG Mortgages" and individually, a "PVPG Mortgage") and Collateral Assignments
of Rents and Leases (collectively, the "PVPG Collateral Assignments" and
individually, a "PVPG Collateral Assignment") covering those properties
equitably owned by MLP described in Exhibit B attached hereto and made a part
hereof.

         EP and MLP now desire to modify and amend certain terms and provisions
of the EP Notes and the EP Mortgages and PVPG and MLP now desire to modify and
amend certain terms and provisions of the PVPG Notes and the PVPG Mortgages.

         NOW THEREFORE, in consideration of the foregoing premises and intending
to be legally bound, and in further consideration of the mutual promises and
agreements of the parties contained herein and for other good and valuable
consideration, receipt whereof is hereby acknowledged, the parties agree as
follows:

         1.       Effective January 1, 2003, the interest rate on any EP Note
                  that is in excess of 4.1% per annum shall be reduced to 4.1%
                  perannum.

         2.       MLP agrees to cause the record title holder of each property
                  encumbered by an EP Mortgage to execute a note and mortgage
                  modification agreement, in form and content acceptable to EP,
                  pursuant to which MLP and EP shall modify all EP Mortgages to:

                           (i) provide that the entry of a judgment lien or any
                  other lien against the record title holder of a property
                  encumbered by an EP Mortgage, unless consented to by EP, shall
                  constitute a default under the EP Mortgage and the EP
                  Collateral Assignment on that property, and the EP Note
                  secured thereby, which will, if not cured within thirty (30)
                  days of the entry of such lien, permit the mortgagee to
                  exercise any and all remedies available under the EP Mortgage,
                  the EP Collateral Assignment, and/or the EP Note secured
                  thereby, including, without limitation, the foreclosure of the
                  EP Mortgage;

                           (ii) cross-default and cross-collateralize the EP
                  Notes and the EP Mortgages on the properties owned by the
                  unaudited partnerships, as contemplated by the terms of that
                  certain Restructuring and Mortgage Modification Agreement
                  effective as of January 1, 1990 by and among MLPG , MLP,
                  National Property Analysts, Inc. and others (the
                  "Restructuring Agreement"), except for the EP Notes and the EP
                  Mortgages encumbering the properties described in Exhibit C
                  attached hereto and made a part hereof, if any; and

                           (iii) cross-default and cross-collateralize the EP
                  Notes and the EP Mortgages on the properties owned by the
                  audited partnership, as contemplated by the Restructuring
                  Agreement, except for the EP Notes and the EP Mortgages
                  described in Exhibit "D" attached hereto and made a part
                  hereof, if any.

         3.       MLP agrees to cause the record title holder of each property
                  encumbered by an EP Mortgage to execute and deliver to EP a
                  deed of future interest, in form and substance acceptable to
                  EP, to be recorded upon signing this Agreement and to vest fee
                  simple title in EP on December 31, 2013 (which is the date on
                  which all EP Notes mature), conveying to EP fee simple title
                  to all properties now equitably owned by MLP in fee.

         4.       MLP agrees to cause the record title holder of each leasehold
                  estate encumbered by an EP Mortgage to execute and deliver to
                  EP an assignment of future interest, in form and substance
                  acceptable to EP, to be recorded upon signing of this
                  Agreement and to vest leasehold title in EP on December 31,
                  2013, assigning to EP the leasehold estate now equitably owned
                  by MLP, and all subleases now or hereafter covering that
                  leasehold estate.

         5.       In connection with (i) a sale by MLP of any property
                  encumbered by an EP Mortgage and an EP Collateral Assignment,
                  or (ii) an assignment by MLP of its leasehold estate in any
                  property encumbered by an EP Mortgage and an EP

                                       1

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                  Collateral Assignment, EP shall release its liens encumbering
                  the property sold or the leasehold estate assigned for (a) the
                  amount of consideration available, if any, to be paid to EP in
                  connection with such sale or assignment, after paying all
                  transaction costs and all superior liens encumbering the
                  property sold or the leasehold estate assigned, or (b) no
                  additional consideration, if unavailable. Additionally, EP
                  shall join in the execution of any deed or assignment of
                  leasehold estate and execute any other documents that may be
                  required by any purchaser or title company to convey clean
                  title to any property or leasehold estate.

         6.       As consideration for the purchase by EP of the EP Notes, the
                  EP Mortgages, and the EP Collateral Assignments listed on
                  Exhibit "E" attached hereto and made a part hereof from PVPG
                  pursuant to the Option, PVPG agrees that effective January 1,
                  2003, the interest rate on any PVPG Note that is in excess of
                  4.1% per annum shall be reduced to 4.1% per annum.

         7.       As further consideration for the purchase by EP of the EP
                  Notes, the EP Mortgages and the EP Collateral Assignments
                  listed on Exhibit E from PVPG, PVPG and the record title
                  holder of each property encumbered by a PVPG Mortgage shall
                  execute a note and mortgage modification agreement, in form
                  and content acceptable to PVPG, pursuant to which MLP and PVPG
                  shall modify all PVPG Mortgages to:

                           (a) provide that the entry of a judgment lien or any
                  other lien against the record title holder of a property
                  encumbered by a PVPG Mortgage, unless consented to by PVPG,
                  shall be a default under the PVPG Mortgage and the PVPG
                  Collateral Assignment on that property, and the PVPG Note
                  secured thereby, which will, if not cured within thirty (30)
                  days of the entry of such lien, permit the mortgagee to
                  exercise any and all remedies available under the PVPG
                  Mortgage, the PVPG Collateral Assignment, and/or the PVPG Note
                  secured thereby, including, without limitation, the
                  foreclosure of the PVPG Mortgage;

                           (b) cross-default and cross-collateralize the PVPG
                  Notes and the PVPG Mortgages on the unaudited partnerships, as
                  contemplated by the Restructuring Agreement, except for the
                  PVPG Notes and the PVPG Mortgages encumbering the properties
                  described in Exhibit "F" attached hereto and made a part
                  hereof, if any, and;

                           (c) cross-default and cross-collateralize the PVPG
                  Notes and the PVPG Mortgages on the audited partnerships, as
                  contemplated by the Restructuring Agreement, except for the
                  PVPG Notes and the PVPG Mortgages described in Exhibit "G"
                  attached hereto and made a part hereof, if any.

         8.       MLP agrees to cause the record title holder of each property
                  encumbered by a PVPG Mortgage to execute and deliver to PVPG a
                  deed of future interest, in form and substance acceptable to
                  PVPG, to be recorded upon signing this Agreement and to vest
                  fee simple title in PVPG on December 31, 2013 (which is the
                  date on which all PVPG Notes mature), conveying to PVPG fee
                  simple title to all properties now equitably owned by MLP in
                  fee.

         9.       MLP agrees to cause the record title holder of each leasehold
                  estate encumbered by a PVPG Mortgage to execute and deliver to
                  PVPG an assignment of future interest, in form and substance
                  acceptable to PVPG, to be recorded upon signing of this
                  Agreement and to vest leasehold title in PVPG on December 31,
                  2013, assigning to PVPG the leasehold estate now equitably
                  owned by MLP and all subleases now or hereafter covering that
                  leasehold estate.

         10.      In connection with (i) a sale by MLP of any property
                  encumbered by a PVPG Mortgage and a PVPG Collateral
                  Assignment, or (ii) an assignment by MLP of its leasehold
                  estate in any property encumbered by a PVPG Mortgage and a
                  PVPG Collateral Assignment, PVPG shall release its liens
                  encumbering the property sold or the leasehold estate assigned
                  for (a) the amount of consideration available, if any, to be
                  paid to PVPG in connection with such sale or assignment, after
                  paying all transaction costs and all superior liens
                  encumbering the property sold or the leasehold estate
                  assigned, or (b) no additional consideration, if unavailable.
                  Additionally, PVPG shall join in the execution of any deed or
                  assignment of leasehold estate and execute any other documents
                  that may be required by any purchaser or title company to
                  convey clean title to any property or leasehold estate.

         11.      This Agreement represents the entire agreement of the parties
                  with respect to the matters set forth herein and may not be
                  modified, altered, or terminated in any way, except in writing
                  executed by the parties hereto. This Agreement shall be
                  governed by and construed in accordance with the laws of the
                  Commonwealth of Pennsylvania.

         12.      Any transfer taxes, mortgage taxes, intangible taxes,
                  documentary stamps or similar fees required to be paid in
                  connection with the recordation of any of the documents
                  described in this Agreement in favor of EP shall be paid by
                  EP. Any transfer taxes, mortgage taxes, intangible taxes,
                  documentary stamps or similar fees required to be paid in
                  connection with the recordation of any of the

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                  documents described in this Agreement in favor of PVPG shall
                  be paid by PVPG. MLP, EP and PVPG agree to execute any and all
                  documents that may be necessary or required to effectuate the
                  transactions described in this Agreement.

         13.      In the event of a default by MLP, EP, or PVPG hereunder, the
                  nondefaulting party may enforce its rights hereunder by
                  appropriate injunctive or equitable relief, all parties
                  agreeing that legal remedies may be insufficient under the
                  circumstances.

         EXECUTED as of this 26th day of March, 2003 to be effective as of
         January 1, 2003.

                                  NATIONAL PROPERTY ANALYSTS MASTER
                                  LIMITED PARTNERSHIP, a Delaware
                                  limited partnership

                                  By: EBL&S, INC., a Delaware Corporation,
                                      its General Partner

                                      By: /s/ Edward B. Lipkin
                                          --------------------------------------
                                               Edward B. Lipkin, President

                                  NATIONAL PROPERTY ANALYSTS EMPLOYEE
                                  PARTNERSHIP, a Delaware limited partnership

                                      By: /s/ Edward B. Lipkin
                                          --------------------------------------
                                               Edward B. Lipkin, General Partner

                                  PENN VALLEY PENSION GROUP, a Pennsylvania
                                  limited partnership

                                  By: NATIONAL PROPERTY ANALYSTS EMPLOYEE
                                      PARTNERSHIP, a Delaware
                                     limited partnership, its General Partner

                                      By: /s/ Edward B. Lipkin
                                          --------------------------------------
                                               Edward B. Lipkin, General Partner

                                       3

<PAGE>

<TABLE>
<CAPTION>
       EXHIBIT A                     EXHIBIT B                EXHIBIT C                EXHIBIT D

       PROPERTY:                     PROPERTY:                PROPERTY:                PROPERTY:
       ---------                     ---------                ---------                ---------
<S>                             <C>                       <C>                        <C>
Clackamas, OR                   Ardmore, OK               Cottage Grove, MN          Yazoo City, MS
Cottage Grove, MN               Bowling Green, OH         New Hope, MN
Dunmore, PA                     Cahokia, IL
Huntsville, AL                  Crescent City, CA
Hutchinson, MN                  East Haven, CT
Independence, MO                Federal Way, WA
International Falls, MN         Huntington, WV
Lake Mary, FL                   Kalamazoo, MI
Marquette, MI                   Lockport, IL
Maryville, MO                   North Augusta, SC
Menominee, MI                   Oak Lawn, IL
New Hope, MN                    Ocala, FL
North Sarasota, FL              Painesville, OH
O'Fallon, MO                    San Mateo, CA
Perry, GA                       Sault Ste Marie, MI
Philadelphia, PA                Waverly, OH
Seven Hills, OH
Steger, IL
Taylorville, IL
Urbana, IL
Wheelersburg, OH
Yazoo City, MS
</TABLE>

<TABLE>
<CAPTION>
     EXHIBIT E                     EXHIBIT F               EXHIBIT G

     PROPERTY:                     PROPERTY:               PROPERTY:
     ---------                     ---------               ---------
<S>                             <C>                       <C>
Ardmore, OK                     Huntington, WV            Lockport, IL
Cahokia, IL                     Waverly, OH
Crescent City, CA
East Haven, CT
Federal Way, WA
Huntington, WV
Kalamazoo, MI
Lockport, IL
North Augusta, SC
Oak Lawn, IL
Painesville, OH
San Mateo, CA
Sault Ste Marie, MI
Waverly, OH
</TABLE>

                                       4<PAGE>

                                                                   EXHIBIT 10.51

                               V(3) GALILEO (TM)

                           SOFTWARE LICENSE AGREEMENT                 [AQS LOGO]
                                                            CONNECTING INSURANCE
================================================================================

This Software License Agreement ("Agreement") is entered into as of October 1,
2002 (the "Effective Date") by and between AQS, Inc., a Wisconsin corporation,
("AQS"), and the Customer identified as follows:

Philadelphia Insurance Companies
--------------------------------------------------------------------------------
Customer Name

Mr. James Maguire Jr.                          President & CEO
--------------------------------------------------------------------------------
Contact Name (First Last)                      Title

One Bala Plaza                                 Suite 100
--------------------------------------------------------------------------------
Address                                        Suite/Room

Bala Cynwyd                   PA               19004
--------------------------------------------------------------------------------
City                          State            Zip

(610)617-7762                 (610)761-2484    PhLY.com
--------------------------------------------------------------------------------
Telephone Number              Fax              Email

By signing below, the parties acknowledge that they have read and agree to the
terms contained in this Agreement.
(ADDITIONAL TERMS CONTINUED ON NEXT PAGE).

AQS, INC.
                                        Philadelphia Insurance Companies
                                        ----------------------------------------
                                        Customer Name

by: /s/ DAVID C WAGNER                by: /s/ JAMES MAGUIRE JR.
   -----------------------------         ---------------------------------------
    DAVID C WAGNER      SVP              Mr. James Maguire Jr.   President & CEO
   -----------------------------         ---------------------------------------
   Name                Title             Name                    Title

Date: 10/18/02                        Date: 10-17-02

(c) 2002 AQS, Inc.                  Page 1           Software License Agreement

                                      74
<PAGE>

                               LICENSE AGREEMENT

The terms and conditions of this Agreement govern all access to, or use of, all
Software and related Documentation, and any upgrades, modifications or
enhancements to such product that have been developed by, or on behalf of, and
provided to Customer by, AQS.

                                   SECTION 1
                                  DEFINITIONS

1.1      "AFFILIATE" means any present or later-acquired company located in the
         United States of which more than 50% of its common voting stock is
         directly or indirectly owned by Customer or AQS, and for which Customer
         or AQS has the ability to bind such entity to the terms and conditions
         of this Agreement.

1.2      "AUTHORIZED USER" means any current employee, independent contractor,
         agent or intern doing business on behalf of Customer, who is bound by
         the restrictions of this Agreement.

1.3      "BASE SYSTEM" means the instance of the Software prior to its
         Customization, Implementation or Conversion.

1.4      "CONFIDENTIAL INFORMATION" means all business information disclosed by
         one party to the other in connection with this Agreement unless it is
         or later becomes publicly available through no fault of the other party
         or it was or later is rightfully developed or obtained by the other
         party from independent sources free from any duty of confidentiality.
         Without limiting the generally of the foregoing, Confidential
         Information shall include Customer's data and shall include AQS's
         Proprietary items. Confidential Information shall include the terms of
         this Agreement, but not the fact that this Agreement has been signed,
         the identity of the parties hereto or the identity of the products
         licensed.

1.5      "CUSTOMIZATION" means any modification to the Software by AQS to meet
         the specific needs or requirements of Customer.

1.6      "DOCUMENTATION" means technical manuals, training manuals, user guides,
         and workbooks, as updated and amended from time to time, provided by
         AQS to assist Customer with the use of Software.

1.7      "IMPLEMENTATION AND CONVERSION" means the modification of the
         Software by AQS for use by Customer in accordance with this Agreement.

1.8      "INITIAL INSTALLATION" or "INITIAL SOFTWARE INSTALLATION" means the
         first instance of Base System Software Installation onto the computer
         hardware on which it will operate.

1.9      "PRE-INSTALLATION OBLIGATIONS" means Customer's obligations to prepare
         its environment in accordance with the specifications set forth in
         AQS's Installation Guide or other reasonable requirements AQS may
         require Customer to complete prior to AQS's installation of the
         Software.

1.10     "PROPRIETARY ITEMS" means, collectively, the Software and
         Documentation, the object code and the source code for the Software,
         the visual expressions, screen formats, report formats and other design
         features of the Software, all ideas, methods, algorithms, formulae,
         database model, and concepts used in developing and/or incorporated
         into the Software or Documentation, all future modifications,
         revisions, updates, refinements, improvements and enhancements of the
         Software or Documentation, all derivative works based upon any of the
         foregoing, and all copies of the foregoing.

1.11     "SOFTWARE" means AQS's customizable, proprietary application software
         listed on the attached Schedule A as being licensed by Customer,
         including any supporting documentation, training materials, and any
         Updates.

1.12     "SOURCE CODE" means computer code in high level, human readable
         language, including comments, and all tools and documentation
         reasonably necessary to build and/or modify such code.

1.13     "SUPPORT SERVICES" means those services provided to Customer by AQS
         pursuant to an effective Support Services Agreement attached as
         Schedule B.

1.14     "TRADE SECRET" or "TRADE SECRET INFORMATION" has that meaning set forth
         in the statutory law of the Commonwealth of Pennsylvania.

1.15     "UPDATES" means those subsequent releases of, or updates to, the
         Software that are generally made available to licensees of the
         Software that are similarly situated to Customer and that Customer may
         receive from AQS as part of any Support Services Agreement or
         Professional Services Agreement.

                                   SECTION 2
                                GRANT OF LICENSE

2.1      GRANT OF LICENSE. Subject to the limitations and restrictions contained
         in this Agreement and the applicable Schedules, AQS grants Customer a
         non-exclusive, non-transferable, non-sublicensable and non-assignable
         (except as set forth in Section 12.13) license for Customer to (i) run
         a copy of the Software at the Designated Site for Customer and
         Affiliates to use solely for the internal data processing operations of
         Customer and its Affiliates, and (ii) make one copy of the Software for
         Customer's backup and archival purposes. The license granted pursuant
         to this Agreement is limited to those states and lines of business set
         forth on Schedule A.

2.2      RESTRICTIONS ON USE. Except as otherwise expressly provided in this
         Agreement, Customer shall not, and shall not permit any Affiliate,
         Authorized User or third party to: (i) access or use any portion of the
         Software not expressly licensed and paid for by Customer, (ii) use or
         copy the Software except as provided in this Agreement, (iii) permit or
         allow any third party (other than Authorized Users) to use or have
         access to the Software, whether by time sharing, networking,
         outsourcing, public dissemination, service bureau operation, or any
         other means; (iv) invoke or access any Software, except through
         application program interfaces and operating systems documented by AQS;
         (v) modify, translate, decipher, decompile, disassemble or otherwise
         reverse engineer or attempt to reconstruct or discover any Source Code
         or underlying ideas or algorithms or file formats or programming or
         interoperability interfaces of the Software by any means whatsoever;
         (vi) modify, adapt or translate the Software, in whole or in part, or
         incorporate any portion of Software into any other software or create a
         derivative work of any portion of the Software; (vii) develop or
         incorporate the Software or any concepts contained in the Software into
         another product for

(c) 2002 AQS, Inc.                  Page 2           Software License Agreement

                                      75

<PAGE>

         commercial or non-profit distribution, or for internal use; or (viii)
         fail to reproduce, remove, obscure or modify any copyright or other
         proprietary rights notices which appear on or in the Software or
         Documentation.

2.3      ACCESS BY AND AUTHENTICATION OF AUTHORIZED USERS. Customer may provide
         its Authorized Users with access to the Software only by means of a
         non-public secure network. The parties acknowledge that such access may
         travel over the internet or other public network, however, access to
         the Software shall only be available to the Authorized Users on a
         secure, authenticated basis. Upon reasonable request by AQS, Customer
         will provide to AQS a detailed access log sufficient to determine
         compliance with the terms of this Agreement.

                                   SECTION 3
                             INSTALLATION SERVICES;
                           IMPLEMENTATION/CONVERSION

3.1      INSTALLATION. Upon Customer completing the Pre-installation Obligations
         AQS will perform the initial installation at the Designated Site, to
         install the Base System for which Customer purchased Installation
         Services, as indicated in the Schedule A. Notwithstanding anything in
         this Agreement to the contrary, in the event the initial installation
         services exceed eight hours due to Customer error or unpreparedness,
         Customer shall pay additional installation fees on a time and materials
         basis at the standard AQS rate in effect at the time such Services are
         provided per hour or portion thereof (except in the case of AQS's
         failure or delay).

3.2      ORIENTATION VISIT. Prior to implementation of the Software, AQS may be
         required to consult with Customer at Customer's location. AQS will
         provide such initial consultation as the parties may mutually agree.

3.3      IMPLEMENTATION AND CONVERSION. AQS will provide those Implementation or
         Conversion services to Customer as set forth on Schedule A.

3.4      ACCEPTANCE. Implementation and Conversion by AQS shall conform to the
         following acceptance criteria: (i) AQS will deliver with each release,
         system test case descriptions; (ii) Customer will install the release
         and run the system test cases; (iii) if the results are the same as
         they care at AQS for those same system test cases, the release is
         accepted. Customer shall make a good faith effort to accomplish this
         test within fifteen (15) days of receiving the release. Customer shall
         notify AQS of its acceptance or non-acceptance of any Deliverable
         listed in Schedule A within thirty (30) days of AQS providing each
         release. If Customer fails to so notify AQS, the Software shall be
         deemed to be accepted. If acceptance criteria have not been satisfied
         within thirty (30) days following Customer's notice of non-acceptance,
         AQS shall refund to Customer any fees paid to AQS by Customer
         corresponding to the non-accepted Deliverable.

                                   SECTION 4
                             FEES AND PAYMENT TERMS

4.1      LICENSE FEE. Customer shall pay AQS the License Fees on the dates set
         forth on the Payment Schedule set forth in Schedule A in U.S. dollars.

4.2      BUREAU FEES. In connection with the license granted pursuant to this
         Agreement, Customer agrees to reimburse AQS for any insurance bureau
         fees associated with Customer's licensing of the Software and all
         associated support. The initial bureau fees are set forth on Schedule
         A. Customers will reimburse AQS for future bureau fees incurred by AQS
         when invoiced by AQS. Customer acknowledges that the bureau fees are
         passed on to Customer without any addition thereto, and are not
         directly set by AQS, and are subject to change at anytime.

4.3      INCIDENTAL EXPENSES. Customer will reimburse AQS for all reasonable
         travel, meal and accommodation expenses incurred by AQS's personnel in
         connection with the provision of its obligations under this Agreement.

4.4      ADDITIONAL FEES. AQS will invoice customer for any additional fees
         incurred by AQS in correction with the provision of services hereunder,
         and any services provided by AQS to Customer on a time and materials
         basis.

4.5      AMOUNTS DUE. If Customer fails to pay to AQS any amount within the time
         prescribed in this Agreement (or within 30 days of invoice for monthly
         charges) and Customer has not disputed the amount due, late charges of
         the greater of 1.5% per month or the maximum allowable under applicable
         law shall also become payable by Customer to AQS. In addition, AQS may
         cease providing services to Customer until the outstanding undisputed
         amounts are paid. Any such suspension does not relieve Customer from
         paying past due fees plus interest, and in the event of collection
         enforcement, Customer shall be liable for any costs associated with
         collection of undisputed amounts, including, but not limited to, legal
         costs, attorneys' fees, court costs, and collection agency fees.

         In order for an amount to be considered disputed hereunder, Customer
         must notify AQS in writing within 15 days after receipt of an invoice
         including such amount, setting forth Customer's good faith basis for
         the dispute. Thereafter, the parties shall attempt through informal
         concillation to resolve such dispute within the next 60 days. Amounts
         agreed to be due shall then be paid by the earlier of the due date for
         payment of amounts appearing on the next invoice, or 30 days after such
         agreement has been reached. If the parties have not reached agreement
         within the above-described 60-day period, either party may initiate
         legal proceedings to resolve the dispute.

                                   SECTION 5
                        PROPRIETARY RIGHTS AND NOTICES.

5.1      OWNERSHIP OF RIGHTS. The Software and Documentation contain valuable
         proprietary information. AQS or its licensors retain exclusive right,
         copyright and other proprietary rights in and to all portions of the
         Software and Documentation, and all modifications, improvements,
         discoveries and alterations thereto, all copies, derivative works, and
         new versions thereof, and all inventions, concepts, and ideas embodied
         therein. Customer does not acquire any rights, express or implied, in
         the Software and Documentation except as specified herein. No license,
         right or interest in any AQS trademark, trade name or service mark is
         granted pursuant to this Agreement. AQS may, at any time, in its sole
         discretion, modify, reduce or enhance the functionality of the software
         in its sole discretion. Customer acknowledges that the Software
         (including but not

(c) 2002 AQS, Inc.                  Page 3           Software License Agreement

                                      76
<PAGE>

         limited to the design, programs, processes, programming techniques,
         source code, data structure and data tables) constitute a Trade Secret,
         disclosed to Customer on the basis of the confidential relationship
         between Customer and AQS under this Agreement.

5.2      REVERSE ENGINEERING, DECOMPILATION, AND DISASSEMBLY. Except as
         otherwise expressly provided in this Agreement, Customer covenants that
         it has no right to receive, use or examine any Object Code, Source Code
         or design documentation relating to the Software. Customer agrees not
         to, nor allow any third party to, modify, translate, decipher,
         decompile, transfer, disclose, disassemble or otherwise reverse
         engineer or attempt to reconstruct or discover any Source Code,
         underlying ideas, algorithms, file formats, database format,
         programming or interoperability interfaces of, or in any way related to
         the Software by any means whatsoever, other than to the extent AQS is
         required by law to permit Customer to do so, Customer agrees not to,
         nor allows any third party to, modify the Software or incorporate any
         portion of Software into any other software or create a derivative work
         of any portion of the Software, or develop any other product containing
         any of the concepts and ideas contained in the Software.

5.3      OWNERSHIP OF DATA. All policy data entered into the Software system by
         Customer is the property of Customer. If requested by Customer, AQS
         will provide policy data unloads and invoice Customer at AQS's then
         current standard hourly rate plus the cost of media required to unload
         such policy data.

5.4      NOTICES AND LEGENDS. Customer agrees (a) to respect all confidentiality
         notices or legends placed upon the Software and Documentation; (b) not
         to conceal from view any copyright, trademark or confidentiality
         notices placed on the Software media or on any output generated by the
         Software; and (c) to reproduce all copyright, trademark or
         confidentiality notices on all copies of the Software and
         Documentation, or any portion thereof, made by Customer as permitted
         under this Agreement.

                                   SECTION 6
                                CONFIDENTIALITY

6.1      AQS CONFIDENTIAL INFORMATION. The parties acknowledge that, as a result
         of the provision of the Software and services under this Agreement,
         Customer, its Authorized Users, and Affiliates may be exposed to
         certain Trade Secret and Confidential information of AQS. Any Trade
         Secret or Confidential information of AQS disclosed pursuant to this
         Agreement may be used only for the purpose related to this Agreement.
         Customer (a) will hold AQS's Confidential information in strict
         confidence, (b) will not disclose the Trade Secret or Confidential
         information to any third parties without the written consent of AQS,
         and will take all reasonable steps to prevent such disclosure, which
         steps will include at least the same degree of care and security
         precautions that Customer uses to protect its own confidential
         information of like kind, and (c) will only use or disclose such Trade
         Secret or Confidential information within Customer's own organization
         on a need-to-know basis. Moreover, Customer agrees to transmit Trade
         Secret or Confidential information only to Customer's partners,
         directors, officers, employees, agents, advisors and affiliates or
         those of Customer's affiliates only on a need to know basis (a) who are
         informed by Customer of the confidential nature of the Trade Secret and
         Confidential Information and who agree to be bound by a confidentiality
         agreement, and (b) who are not a competitor of AQS in the provision of
         insurance policy management software. Customer will be responsible for
         any breach of any provision of this Agreement by Customer's affiliates,
         partners, directors, officers, employees, agents and advisors and those
         of Customer's affiliates.

6.2      CUSTOMER CONFIDENTIAL INFORMATION. The parties acknowledge that, as a
         result of the provision of the Software and services under this
         Agreement, AQS, its Authorized Users, and Affiliates may be exposed to
         certain Trade Secret and Confidential information of Customer. Any
         Trade Secret or Confidential information of Customer disclosed pursuant
         to this Agreement may be used only for the purpose related to this
         Agreement. AQS (a) will hold Customer's Confidential information in
         strict confidence, (b) will not disclose the Trade Secret or
         Confidential information to any third parties without the written
         consent of Customer, and will take all reasonable steps to prevent such
         disclosure, which steps will include at least the same degree of care
         and security precautions that AQS uses to protect its own confidential
         information of like kind, and (c) will only use or disclose such Trade
         Secret or Confidential Information within AQS's own organization on a
         need-to-know basis. Moreover, AQS agrees to transmit Trade Secret or
         Confidential Information only to AQS's partners, directors, officers,
         employees, agents, advisors and affiliates or those of AQS's affiliates
         only on a need to know basis who are informed by AQS of the
         confidential nature of the Trade Secret and Confidential information
         and who agree to be bound by a confidentiality agreement. AQS will be
         responsible for any breach of any provision of this Agreement by AQS's
         affiliates, partners, directors, officers, employees, agents and
         advisors and those of AQS's affiliates.

6.3      REMEDIES. The parties acknowledge that the unauthorized disclosure or
         use of AQS or Customer Confidential information would cause
         irreparable harm and significant injury to the other party, the degree
         of which may be difficult to ascertain. Accordingly, the parties agree
         that each party will have the right to seek an immediate injunction
         enjoining any breach of this Agreement by the other party, its
         employees or agents, as well as the right to pursue any and all other
         rights and remedies available at law or in equity for such breach. The
         parties agree that, in the event proceedings are initiated to enforce
         these provisions by either party, and provided that such party prevails
         in obtaining relief, such party will be entitled to reimbursement by
         the other party for all actual and reasonable costs and expenses,
         including attorneys' fees, that it may incur while seeking to enforce
         the provisions of this Agreement.

                                   SECTION 7
                              TERM AND TERMINATION

7.1      TERM. Unless otherwise terminated pursuant to the terms of this
         Agreement, this Agreement will continue in full force and affect so
         long as Customer continues to subscribe to and pay for Support
         Services.

7.2      TERMINATION. In addition to its rights as set forth elsewhere in this
         Agreement either party will be able to terminate this Agreement if: (i)
         the other party is in material breach of any provision of this
         Agreement upon sixty (60) days written notice to the other party of
         such breach, provided such breach

(c) 2002 AQS, Inc.                  Page 4           Software License Agreement

                                      77
<PAGE>

         remains uncured, or if the breaching party is not actively working to
         address the breach for sixty (60) days after receipt of such notice;
         (ii) Customer is in default of any payment obligations pursuant to this
         Agreement or otherwise, and such non-payment is not cured within thirty
         (30) days after written notice from AQS; (iii) the Support Services for
         the Software are terminated; (iv) the entire business of Customer is
         terminated; (v) a petition for involuntary bankruptcy is filed against
         the other party and not dismissed within thirty (30) days; or (vi) the
         other party becomes insolvent or files or has filed any action related
         to protection under the bankruptcy laws, including, without limitation,
         reorganization or appointment of a receiver. A breach of this Agreement
         by an Affiliate of a party shall be deemed to be a breach by that
         party, so that it shall be as if Affiliates acts, omissions and/or
         violations were the acts, omissions and or violations of that party.

7.3      EFFECT OF TERMINATION. Except in the case where Source Code is released
         pursuant to Section 11, in the event of termination or expiration of
         this Agreement, Customer will (i) discontinue all use of the Software;
         (ii) deliver to AQS or destroy the Documentation and related materials
         in Customer's possession, including copies thereof, (iii) certify to
         AQS within one (1) week after termination hereunder that Customer has
         discontinued the use of the Software and has delivered to AQS and/or
         destroyed the Documentation and all copies, AQS shall not be liable to
         Customer for damages of any sort resulting solely from terminating this
         Agreement in accordance with its terms. If this Agreement is terminated
         as a result of a breach by Customer, all fees corresponding to
         Deliverables accepted by Customer pursuant to this Agreement, any
         Schedule, or any other agreement between the parties shall become
         immediately due and payable to AQS.

                                   SECTION 8
                                   WARRANTIES

8.1      LIMITED PRODUCT WARRANTY. AQS warrants that the Software will be free
         from material defects and will, when operated in accordance with the
         specifications set forth in the AQS Installation Guide, perform in
         substantial conformity with the Documentation provided with the
         Software for one year from the date the current Software or Update is
         provided to Customer. In the event Customer notifies AQS in writing
         during the warranty period that the Software does not function as
         warranted, AQS shall use its best efforts to confirm the existence of
         and correct the reported nonconformity. Modifications of the Software
         without the express prior written consent of AQS will render this
         warranty void. The foregoing shall not be deemed to create, and AQS
         shall not have, any obligation to identify or correct any
         nonconformity, "bug," error, or other failure to perform of any
         software licensed to Customer by any third party, without regard to
         whether such failure first becomes apparent as a result of the use of
         such third party software in conjunction with the Software licensed
         hereunder. AQS'S SOLE OBLIGATION OR LIABILITY UNDER THIS WARRANTY SHALL
         BE TO USE COMMERCIALLY REASONABLE EFFORTS TO VERIFY AND CORRECT ANY
         REPORTED NONCONFORMITY IN THE SOFTWARE. IN THE EVENT AQS FAILS TO
         REMEDY ANY MATERIAL DEFECTS IN THE SOFTWARE UNDER THIS WARRANTY,
         CUSTOMER'S SOLE REMEDY AND AQS'S SOLE LIABILITY SHALL BE TO RECEIVE A
         REFUND OF ANY FEES PAID HEREUNDER FOR THE NONCONFORMING PORTION OF THE
         SOFTWARE.

8.2      DISCLAIMER OF WARRANTY OF ACCESS AND SECURITY. ASIDE FROM THE
         WARRANTIES PROVIDED IN SECTION 8.1, AQS MAKES NO WARRANTY REGARDING ANY
         OUTPUT OR RESULTS OBTAINED FROM THE USE OF THE SOFTWARE OR OF THE
         ACCURACY, COMPLETENESS, INTEGRITY, PRECISION, PRIVACY, SECURITY,
         RELIABILITY OR TIMELINESS OF ANY COMMUNICATIONS OR DATA TRANSMISSIONS
         SENT OR RECEIVED IN CONNECTION WITH THE USE OF THE SOFTWARE, CUSTOMER
         IS SOLELY RESPONSIBLE FOR ANY DAMAGE TO, OR ALTERATION, CORRUPTION,
         INTERCEPTION, DELAY OR LOSS OF CONFIDENTIALITY OF, CUSTOMER'S DATA OR
         SYSTEMS RESULTING FROM THE USE OF THE SOFTWARE NOT DUE TO AQS'S
         VIOLATION OF THE WARRANTIES PROVIDED IN SECTION 8.1.

8.3      LIMITED INTELLECTUAL PROPERTY WARRANTY. AQS warrants that the use of
         the Software pursuant to this Agreement does not infringe any U.S.
         copyrights or trade secret rights, nor, to AQS's actual knowledge, any
         patent rights of any third party. AQS warrants that the Software being
         provided is free of any liens and encumbrances and that it possesses
         good title to the Software.

8.4      DISCLAIMER OF WARRANTY. THE WARRANTY SET FORTH IN SECTIONS 8.1 - 8.3 OF
         THIS AGREEMENT ARE LIMITED WARRANTIES AND THEY ARE THE ONLY WARRANTIES
         MADE BY AQS. AQS EXPRESSLY DISCLAIMS, AND CUSTOMER HEREBY EXPRESSLY
         WAIVES, ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT
         LIMITATION, WARRANTIES AS TO TITLE OR NONINFRINGEMENT OF THIRD PARTY
         RIGHTS OR OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
         EXCEPT AS EXPLICITLY SET FORTH ABOVE, AQS DOES NOT WARRANT AND
         SPECIFICALLY DISCLAIMS ANY REPRESENTATIONS THAT THE OPERATION OF THE
         SOFTWARE AND/OR ITS USE WILL BE ACCURATE, UNINTERRUPTED, OR ERROR-FREE;
         THAT DEFECTS IN THE SOFTWARE, IF ANY, WILL BE CORRECTED; OR THAT THE
         SOFTWARE WILL FULFILL ANY OF CUSTOMER'S PARTICULAR PURPOSES OR NEEDS,
         AQS'S LIMITED WARRANTY IS IN LIEU OF ALL LIABILITIES OR OBLIGATIONS OF
         AQS FOR DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY OF
         THE SOFTWARE OR RELATED SERVICES AND, EXCEPT FOR THE ABOVE LIMITED
         WARRANTY, THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE
         SOFTWARE IS WITH CUSTOMER.

                                   SECTION 9
                                   INDEMNITY

AQS shall defend, indemnify, and hold Customer harmless against any claim
resulting from AQS's breach of its warranty obligations in Section 8.3, provided
that AQS is given prompt notice of such claim and is given information,
reasonable assistance, and sole authority to defend or settle the claim, in the
event of any threatened claim that use of the Software infringes intellectual
property rights, AQS may, in its judgment and at its sole option, either: (i)
obtain for

(c) 2002 AQS, Inc.                  Page 5           Software License Agreement

                                      78

<PAGE>

Customer the right to continue using the Software: (ii) replace or modify the
Software so that it becomes non-infringing and maintains materially the same
functionality of the original Software; or (iii) terminate the license for the
allegedly infringing portion of the Software, and upon receipt or destruction of
the Software, return the license fees paid by Customer for such infringing
portion of the Software prorated over a five (5) year term from the Effective
Date of this Agreement, however, if such claim first occurs within one year from
the Effective Date, Customer shall be entitled to a full refund of all fees
paid. AQS shall have no obligation to indemnify or defend Customer for any
liability arising out of or relating to any allegations or claims of
infringement to the extent the alleged infringement is solely based on; (i) a
modification of the Software by any party other than AQS or its Affiliates or
agents acting on its behalf; (ii) use of the Software other than in accordance
with the Documentation or the terms of this Agreement; (iii) use of a release of
the Software no longer supported by AQS; (iv) use of a release of the Software
without having implemented all Updates; (v) any third party software; or (vi)
use of the Software in combination with any hardware, software or other
materials not recommended by AQS, where, absent such combination, the Software
would not be infringing. This Section entitled "Indemnity" states AQS's entire
liability for actual or alleged infringements and Customer's sole and exclusive
remedy in relation thereto.

                                   SECTION 10
                            LIMITATION OF LIABILITY

IN NO EVENT SHALL AQS OR ITS LICENSORS BE LIABLE TO CUSTOMER OR ANY THIRD PARTY,
FOR ANY CONSEQUENTIAL, INCIDENTAL, PUNITIVE, OR SPECIAL DAMAGES (INCLUDING,
WITHOUT LIMITATION, LOST PROFITS) INCURRED BY CUSTOMER AS A RESULT OF ANY BREACH
OF THIS AGREEMENT ARISING OUT OF THIS AGREEMENT OR THE USE OR INABILITY TO USE
THE SOFTWARE, INCLUDING, BUT NOT LIMITED TO, ANY LOST PROFITS OR COST SAVINGS,
EVEN IF AQS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WITHOUT
PREJUDICE TO THE FOREGOING. IF AQS IS NONETHELESS DETERMINED TO BE LIABLE TO
CUSTOMER UNDER OR IN CONNECTION WITH THIS AGREEMENT, AQS'S ENTIRE LIABILITY, AND
CUSTOMER'S EXCLUSIVE REMEDY UNDER THIS AGREEMENT SHALL NOT EXCEED THE AMOUNT OF
THE LICENSE FEE PAID HEREUNDER.

                                   SECTION 11
                               SOURCE CODE ESCROW

11.1     DEPOSIT. Upon the request of Customer, and at Customer's sole cost and
         expense, AQS agrees to maintain a copy of the entire Source Code in the
         custody of DSI Technology Escrow Services ("DSI"), as escrow agent, or
         such other escrow agent as AQS may specify from time to time by written
         notice to Customer. Unless otherwise agreed by the parties, the escrow
         arrangement shall be governed by the terms set forth in DSI's form of
         Preferred Agreement, attached hereto as Exhibit D.

11.2     SOURCE CODE LICENSE. Upon release of the Source Code to Customer, AQS
         grants Customer a perpetual, nonexclusive, nontransferable (except as
         set forth in Section 12.12) right and license to use the Source Code
         for the sole and exclusive purposes of itself providing the Support
         Services for its internal use of the Software and maintaining the
         rights granted to Customer under this Agreement (the "Source Code
         License").

11.3     TERMINATION OF SOURCE CODE LICENSE. The Source Code License granted
         pursuant to Section 11.2 above shall immediately terminate, and
         Customer shall discontinue using the Source Code and return it to AQS
         (or, at AQS's request, destroy the Source Code), if Customer: (i)
         materially breaches any material provision of this Agreement
         (including, but not limited to the restrictions contained in Sections
         2.2, 5 or 11.2) and fails to substantially cure such breach within
         sixty (60) days of written notice describing the breach, (ii) seeks
         protection under any bankruptcy, or if any such proceeding is
         instituted against the other (and not dismissed within 90 days), or
         (iii) fails to pay any amount due AQS when due and fails to make such
         payment within thirty (30) days of written notice describing such
         failure.

                                   SECTION 12
                                 MISCELLANEOUS

12.1     RETURN OF MATERIALS. Each party agrees that upon termination of this
         Agreement, except in the case where Source Code is released pursuant to
         Section 11, it will return to the other party all material provided by
         such party, including, but not limited to drawings, blueprints, notes,
         memoranda, specifications, designs, devices, documents and any other
         material containing or disclosing any confidential or proprietary
         information.

12.2     TAXES. Customer shall pay or reimburse AQS for all sales, use,
         transfer, privilege, excise, and all other taxes and all duties,
         whether international, national or local, however designated, which are
         levied or imposed by reason of the performance by AQS under this
         Agreement, excluding, however, income taxes on profits which may be
         levied against AQS.

12.3     HARDWARE AND SOFTWARE SPECIFICATIONS. AQS is not providing any high
         speed lines, hardware or any third party software as part of this
         Agreement, and Customer is required to provide and maintain the minimum
         hardware and software guidelines set forth in the Technical Guidelines
         Bulletin provided to Customer. Future Updates or releases to the
         Software may necessitate users to upgrade their third party software
         and hardware to comply with the than most current release. AQS shall
         have no obligation to support or maintain any version other than as
         provided for the most current release of the Software.

12.4     ENTIRE AGREEMENT, MERGER AND WAIVER. This Agreement, the Schedules and
         Exhibits express and contain the entire agreement of the parties with
         respect to the subject matter hereof and merge all prior and
         contemporaneous communications. There are no express or implied
         representations, warranties or agreements between the parties, except
         as contained in this Agreement. Except as otherwise provided herein,
         this Agreement may not be modified, amended or supplemented except by a
         writing signed by both Customer and AQS.

12.5     WAIVER. No consent given or waiver made by AQS of any breach of any
         provision of this Agreement will operate or be construed in any manner
         as a waiver of any subsequent breach of the same or of any other
         provision.

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                                       79
<PAGE>

12.6     CAPTIONS. The captions of this Agreement are provided for convenience
         only and shall not be used in construing its meaning.

12.7     AUTHORITY. If Customer is a corporation, partnership or limited
         liability company, each individual executing this Agreement on behalf
         of Customer represents and warrants that he or she is duly authorized
         to execute and deliver this Agreement on behalf of Customer and that
         this Agreement is binding upon Customer according to its terms,
         Concurrently with execution of this Agreement, Customer shall deliver
         to AQS such evidence of authorization as AQS may require.

12.8     GOVERNING LAW: ATTORNEYS' FEES. This Agreement is to be governed by the
         internal laws of the Commonwealth of Pennsylvania. In any suit,
         arbitration, mediation or other action to enforce any right or remedy
         under this Agreement or to interpret any provision of this Agreement,
         the prevailing partly will be entitled to recover its costs, including
         reasonable attorneys' fees, including without limitation, costs and
         fees incurred on appeal or in a bankruptcy or similar action.

12.9     SURVIVAL. If this Agreement is terminated for any reason, the following
         sections shall survive such termination, 2.2, 2.3, 4, 5, 6, 8, 9, 10,
         11.2, 11.3 and 12.

12.10    SEVERABILITY; WAIVER. If for any reason a court of competent
         jurisdiction finds any provision of this Agreement, or portion thereof,
         to be unenforceable, that provision of the Agreement will be enforced
         to the maximum extent permissible so as to effect the intent of the
         parties, and remainder of this Agreement will continue in full force
         and effect. Failure by either party to enforce any provision of this
         Agreement will not be deemed a waiver of future enforcement of that or
         any other provision. This Agreement has been negotiated by the parties
         and their respective counsel and will be interpreted fairly in
         accordance with its terms and without any strict construction in favor
         of or against either party. This Agreement is to be construed as though
         all parties had drafted it. The terms of this Agreement shall supercede
         the terms of any purchase order submitted to AQS in connection with
         this Agreement.

12.11    FORCE MAJURE. Neither party will be liable to the other by reason of
         any failure in performances of this Agreement if the failure arises out
         of the unavailability of third party communication facilities or energy
         sources, acts of God, acts of the other party, acts of governmental
         authority, fires, strikes, delays in transportation, riots or war, or
         any cause beyond the reasonable control of that party.

12.12    ASSIGNMENT. Customer may not assign, rent, lease, sell, sublicense or
         otherwise transfer the Software, or any portion thereof, nor may
         Customer assign this Agreement without AQS's prior written approval.
         Notwithstanding the foregoing, Customer may assign this Agreement to a
         successor to substantially all of its business and assets, provided
         that, absent a prior written agreement with AQS, the Software may not
         be used for any purpose outside of the scope of the license granted
         hereunder for the internal data processing operations of the products,
         lines of business, and states that comprised the business of Customer
         at the time such business was transferred to such successor. This
         Agreement is binding upon and inures to the benefit of the parties'
         successors and permitted assigns.

12.13    EXPORT RESTRICTIONS. Customer acknowledges that the Software and all
         related documentation is subject to United States export control laws
         as well as applicable regulations issued by, among others, the U.S.
         Departments of Commerce, State and Treasury. Customer will comply with
         all such laws and regulations.

12.14    GOVERNMENT RESTRICTED RIGHTS. The Software was developed at private
         expense, is commercial, and is published and copyrighted. The Software
         may be transferred to the U.S. Government only with the prior written
         consent of an officer of AQS and solely with "restricted rights" as
         that term is defined in FAR 52,227-19(c)(2) (or DFAR
         252,227-202.32(c)(1) if the transfer is to a defense-related agency) or
         subsequent citation.

12.15    COUNTERPARTS. This Agreement may be executed in any number of
         counterparts each of which will be deemed an original and as executed
         constitutes one agreement, binding on both parties even though both
         parties do not sign the same counterpart.

12.16    ATTACHMENTS. All schedules, exhibits and attachments which are annexed
         to this Agreement are expressly made a part of this Agreement and are
         incorporated herein by this reference. All references to this Agreement
         are deemed to refer to and include this Agreement and all such
         schedules, exhibits and attachments, as amended from time to time.

12.17    PUBLIC ANNOUNCEMENT. Either party may make a public announcement
         regarding this Agreement, including, without limitation the fact of
         this Agreement and the nature of the parties relationship hereunder
         upon the prior written approval of the form and content of such
         disclosure, which approval shall not be unreasonably withheld. AQS may
         include the name or trademark of Customer in a listing of companies
         which have a client relationship with AQS, and Customer may include the
         name or trademark of AQS in a listing of companies that provide
         services to Customer.

12.18    NOTICES. Any notice or communication required or permitted under this
         Agreement shall be in writing. Notices must be sent to the parties at
         the addresses specified herein, or to substitute addresses provided in
         writing, and shall be deemed received on the date sent by facsimile
         transmission, on the date when personally delivered, or five (5) days
         after receipt of signature via certified mail, postage prepaid.

         Notices to AQS must initially be sent to the location listed below.

                                   AQS, Inc.
                                   1325 Walnut Ridge Drive
                                   Hartland, Wisconsin 63029-8894

         Notices to Customer must initially be sent to the location set forth on
         the initial page of this Agreement.

(c) 2002 AQS, Inc.                   Page 7           Software License Agreement

                                       80

<PAGE>

IN WITNESS WHEREOF, the parties have executed this Agreement by their duly
authorized representative as of the date first set forth above.

                         END OF LICENSE AGREEMENT TERMS

(c) 2002 AQS, Inc.                   Page 8           Software License Agreement

                                       81

<PAGE>

                                   SCHEDULE A
                       SOFTWARE LICENSE AGREEMENT DETAIL

A-1.     DESIGNATED SITE

                  Philadelphia Insurance Companies
                  One Bala Plaza, Suite 100
                  Bala Cynwyd, PA, 19004

A-2.     PAYMENT SCHEDULE

<TABLE>
<CAPTION>
                  PAYMENT ITEM                            DUE DATE            AMOUNT
------------------------------------------------     -------------------    ----------
<S>                                                  <C>                    <C>
License Fee (Property, Liability, Crime, Inland
Marine, Commercial Auto, BOP, and Ultimate
Cover)                                               At Contract Signing    $  500,000
------------------------------------------------     -------------------    ----------
Version 2 BOP (Balance of Version 2 contract fee
for BOP)                                             At Contract Signing    $   49,435
------------------------------------------------     -------------------    ----------
License Fee (Specialty Lines)                        At Contract Signing    $  450,000
------------------------------------------------     -------------------    ----------
License Fee (Umbrella)                               At Contract Signing    $   50,000
------------------------------------------------     -------------------    ----------
AQS SOFTWARE LICENSE FEE                                                    $1,049,435
                                                     -------------------    ----------
</TABLE>

<TABLE>
<CAPTION>
SERVICE FEES                                                                                AMOUNT
---------------------------------------------------------------                 -----------------------------
<S>                                                                             <C>
Initial installation                                                                       Included
---------------------------------------------------------------                 -----------------------------
Training Services (24 hours at Client Site)                                                Included
---------------------------------------------------------------                 -----------------------------
Conversion Services: Property, Liability, Crime, Inland Marine,                           $3,000,000
Commercial Auto, BOP, and Ultimate Cover                                        Billed in eighteen (18) equal
(as implemented in Version 2)                                                    installments beginning at
                                                                                      contract signing,
Implementation Services; States, Specialty Lines, and                               and monthly thereafter
Umbrella (as filed by Customer 10/01/02)
</TABLE>

NOTES:

ALL POLICY DOCUMENTS (EXISTING OR NEW) MUST BE PROVIDED TO AQS IN WORD OR PDF
FORMAT. ADDITIONAL COST MAY BE INCURRED BY CUSTOMER IF DOCUMENTS ARE PROVIDED TO
AQS IN ANOTHER FORMAT.

CUSTOMER HAS AGREED TO DEDICATE SIX (6) FULL-TIME EQUIVALENTS AND A PROJECT
SPONSOR TO THE IMPLEMENTATION AND TESTING OF V(3) GALILEO.

A-3.     BASE SYSTEM DELIVERABLES

<TABLE>
<CAPTION>
   BASE SYSTEM DELIVERABLES                    DATE
-----------------------------          --------------------
<S>                                    <C>
Base System V(3) Galileo               30 days from Signing
-----------------------------          --------------------
Base System BOP                        30 days from Signing
-----------------------------          --------------------
Base System Property                           January 2003
-----------------------------          --------------------
Base System General Liability                  January 2003
-----------------------------          --------------------
Base System Crime                                April 2003
-----------------------------          --------------------
Base System Inland Marine                        April 2003
-----------------------------          --------------------
Base System Commercial Auto                       July 2003
-----------------------------          --------------------
Specialty Lines                            To be Determined
-----------------------------          --------------------
Umbrella                                   To be Determined
-----------------------------          --------------------
Ultimate Cover                             To be Determined
-----------------------------          --------------------
</TABLE>

(c) 2002 AQS, Inc.                  Page 1           Software License Agreement-
                                                     Schedule A (License Detail)
                                      82

<PAGE>

<TABLE>
<CAPTION>
                                                           IMPLEMENTATION
       OPTIONAL COMPONENTS                LICENSE              AMOUNT
--------------------------------          --------        ----------------
<S>                                       <C>             <C>
AQS Star Bureau Generation                Included        To be Determined
--------------------------------          --------        ----------------
Unattended Renewals                       Included        To be Determined
--------------------------------          --------        ----------------
Applications (Capture and Print)          Included        To be Determined
--------------------------------          --------        ----------------
</TABLE>

NOTE: THE DATES REFERENCED ABOVE INDICATE THE DATE THE ITEM WILL BE DELIVERED TO
CUSTOMER, NOT THE DATE OF IMPLEMENTATION OR CONVERSION.

A-4.     BUREAU FEES

                  AQS is charged fees from various bureaus due to their
                  copywritten information. These bureau fees will be passed on
                  to Customer with no mark up. As of the Effective Date of this
                  agreement, bureau fees are 3% of license fees.

<TABLE>
<CAPTION>
            BUREAU FEES                    AMOUNT
----------------------------------    ----------------
<S>                                   <C>
Bureau Fees on License Amount         $13,483.06
----------------------------------    ----------------
Bureau Fees on Optional Components    To be Determined
----------------------------------    ----------------
</TABLE>

A-5.     LINES OF BUSINESS, UNDERWRITING COMPANIES, AND LICENSED STATES:

         CUSTOMER IS AUTHORIZED TO USE THE SOFTWARE WITH THE FOLLOWING LINES OF
         BUSINESS AND UNDERWRITING COMPANIES IN THE FOLLOWING LICENSED STATES:

<TABLE>
<CAPTION>
LINES OF BUSINESS        UNDERWRITING COMPANIES                     LICENSED STATES
-----------------        ----------------------        ----------------------------------------
<S>                      <C>                           <C>
PROPERTY                 Philadelphia Insurance        Alabama, Alaska, Arizona, Arkansas,
                         Company                       California, Colorado, Connecticut,
                                                       Delaware, District of Columbia, Florida,
                                                       Georgia, Idaho, Illinois, Indiana, Iowa,
                         Philadelphia Insurance        Kansas, Kentucky, Maine, Maryland,
                         Company E & S                 Massachusetts, Michigan, Minnesota,
                                                       Mississippi, Missouri, Montana, Nebraska,
                                                       Nevada, New Hampshire, New Jersey, New
                                                       Mexico, New York, North Carolina, North
                                                       Dakota, Ohio, Oklahoma, Oregon,
                                                       Pennsylvania, Rhode Island, South
                                                       Carolina, South Dakota, Tennessee,
                                                       Texas, Utah, Vermont, Virginia,
                                                       Washington, West Virginia, Wisconsin,
                                                       Wyoming

LIABILITY                Philadelphia Insurance        Alabama, Alaska, Arizona, Arkansas,
                         Company                       California, Colorado, Connecticut,
                                                       Delaware, District of Columbia, Florida,
                                                       Georgia, Idaho, Illinois, Indiana, Iowa,
                         Philadelphia Insurance        Kansas, Kentucky, Maine, Maryland,
                         Company E & S                 Massachusetts, Michigan, Minnesota,
                                                       Mississippi, Missouri, Montana,
                                                       Nebraska, Nevada, New Hampshire, New
                                                       Jersey, New Mexico, New York, North
                                                       Carolina, North Dakota, Ohio,
                                                       Oklahoma, Oregon, Pennsylvania, Rhode
                                                       Island, South Carolina, South Dakota,
                                                       Tennessee, Texas, Utah, Vermont,
                                                       Virginia, Washington, West Virginia,
                                                       Wisconsin, Wyoming

CRIME                    Philadelphia Insurance        Alabama, Alaska, Arizona, Arkansas,
                         Company                       California, Colorado, Connecticut,
                                                       Delaware, District of Columbia, Florida,
                                                       Georgia, Idaho, Illinois, Indiana, Iowa,
                         Philadelphia Insurance        Kansas, Kentucky, Maine, Maryland,
                         Company E & S                 Massachusetts, Michigan, Minnesota,
                                                       Mississippi, Missouri, Montana,
                                                       Nebraska, Nevada, New Hampshire, New
                                                       Jersey, New Mexico, New York, North
                                                       Carolina, North Dakota, Ohio,
                                                       Oklahoma, Oregon, Pennsylvania, Rhode
                                                       Island, South Carolina, South Dakota,
                                                       Tennessee, Texas, Utah, Vermont,
                                                       Virginia, Washington, West Virginia,
                                                       Wisconsin, Wyoming

INLAND MARINE            Philadelphia Insurance        Alabama, Alaska, Arizona, Arkansas,
                         Company                       California, Colorado, Connecticut,
                                                       Delaware, District of Columbia, Florida,
                                                       Georgia, Idaho, Illinois, Indiana, Iowa,
                         Philadelphia Insurance        Kansas, Kentucky, Maine, Maryland,
                         Company E & S                 Massachusetts, Michigan, Minnesota,
                                                       Mississippi, Missouri, Montana,
                                                       Nebraska, Nevada, New Hampshire, New
                                                       Jersey, New Mexico, New York, North
                                                       Carolina, North Dakota, Ohio,
                                                       Oklahoma, Oregon, Pennsylvania, Rhode
                                                       Island, South Carolina, South Dakota,
                                                       Tennessee, Texas.

</TABLE>

(c) 2002 AQS, Inc.                  Page 2           Software License Agreement-
                                                     Schedule A (License Detail)
                                      83

<PAGE>

<TABLE>
<CAPTION>
LINES OF BUSINESS        UNDERWRITING COMPANIES                    LICENSED STATES
-----------------        ----------------------        ----------------------------------------
<S>                      <C>                           <C>
                                                       Utah, Vermont, Virginia, Washington,
                                                       West Virginia, Wisconsin, Wyoming
-----------------        ----------------------        ----------------------------------------
BUSINESSOWNERS           Philadelphia Insurance        Alabama, Alaska, Arizona, Arkansas,
                         Company                       California, Colorado, Connecticut,
                                                       Delaware, District of Columbia, Florida,
                                                       Georgia, Idaho, Illinois, Indiana, Iowa,
                         Philadelphia Insurance        Kansas, Kentucky, Maine, Maryland,
                         Company E & S                 Massachusetts, Michigan, Minnesota,
                                                       Mississippi, Missouri, Montana,
                                                       Nebraska, Nevada, New Hampshire, New
                                                       Jersey, New Mexico, New York, North
                                                       Carolina, North Dakota, Ohio,
                                                       Oklahoma, Oregon, Pennsylvania, Rhode
                                                       Island, South Carolina, South Dakota,
                                                       Tennessee, Texas, Utah, Vermont,
                                                       Virginia, Washington, West Virginia,
                                                       Wisconsin, Wyoming
-----------------        ----------------------        ----------------------------------------
COMMERCIAL AUTO          Philadelphia Insurance        Alabama, Alaska, Arizona, Arkansas,
                         Company                       California, Colorado, Connecticut,
                                                       Delaware, District of Columbia, Florida,
                                                       Georgia, Idaho, Illinois, Indiana, Iowa,
                         Philadelphia Insurance        Kansas, Kentucky, Maine, Maryland,
                         Company E & S                 Massachusetts, Michigan, Minnesota,
                                                       Mississippi, Missouri, Montana,
                                                       Nebraska, Nevada, New Hampshire, New
                                                       Jersey, New Mexico, New York, North
                                                       Carolina, North Dakota, Ohio,
                                                       Oklahoma, Oregon, Pennsylvania, Rhode
                                                       Island, South Carolina, South Dakota,
                                                       Tennessee, Texas, Utah, Vermont,
                                                       Virginia, Washington, West Virginia,
                                                       Wisconsin, Wyoming
-----------------        ----------------------        ----------------------------------------
ULTIMATE COVER           Philadelphia Insurance        Alabama, Alaska, Arizona, Arkansas,
                         Company                       California, Colorado, Connecticut,
                                                       Delaware, District of Columbia, Florida,
                                                       Georgia, Idaho, Illinois, Indiana, Iowa,
                         Philadelphia Insurance        Kansas, Kentucky, Maine, Maryland,
                         Company E & S                 Massachusetts, Michigan, Minnesota,
                                                       Mississippi, Missouri, Montana,
                                                       Nebraska, Nevada, New Hampshire, New
                                                       Jersey, New Mexico, New York, North
                                                       Carolina, North Dakota, Ohio,
                                                       Oklahoma, Oregon, Pennsylvania, Rhode
                                                       Island, South Carolina, South Dakota,
                                                       Tennessee, Texas, Utah, Vermont,
                                                       Virginia, Washington, West Virginia,
                                                       Wisconsin, Wyoming
-----------------        ----------------------        ----------------------------------------
</TABLE>

NOTE: Additional Lines of Business, Underwriting Companies, and Licensed States
may require the Customer to be charged additional License fees, support fees,
and implementation fees.

(c) 2002 AQS, Inc.                  Page 3           Software License Agreement-
                                                     Schedule A (License Detail)

                                      84
<PAGE>

                                   SCHEDULE B

                           SOFTWARE SUPPORT AGREEMENT

This independent Schedule (the "Support Agreement") to the Software License
Agreement is entered into as of the Effective Date of the Software License
Agreement, by and between, AQS, Inc. ("AQS") and the Customer identified below.

                                   BACKGROUND

The parties have previously entered into a Software License Agreement dated
October 1, 2002 the "Software License Agreement") and have determined to further
define the nature of the services provided to Customer by AQS pursuant to the
terms of this Support Services Agreement.

                                   SECTION 1
                                  DEFINITIONS

1.1      IN GENERAL. Any term not defined in this Support Agreement shall have
         the meaning set forth in the Software License Agreement. In the event
         of a conflict between this Support Agreement and the Software License
         Agreement, this support Agreement shall govern.

1.2      "SOFTWARE UPDATES" shall mean those base Software program modifications
         and revisions that the made available for general release by AQS for
         the version and release of the Software licensed by Customer pursuant
         to the Software License Agreement. Software Updates do not include
         release that increase the functionality of the Software and that are
         otherwise separately priced by AQS.

                                    SECTION 2
                                      TERM

2.1      INITIAL TERM. This Support Agreement will be in effect for an initial
         term (the "initial Term") commencing as of the Effective Date of the
         Software License Agreement and continuing for a period of sixty-three
         (63) months.

2.2      RENEWAL TERMS. Upon expiration of the initial Term, this Agreement
         shall be automatically renewed for additional five (5) year terms
         unless either party gives written notice of termination at least six
         (6) months prior to the expiration date of the initial Term, or any
         renewal term. The monthly fee for each successive term will be based on
         the prevailing fee charged by AQS; provided, however, that AQS shall
         not increase the rate of its monthly fee for the renewal term of this
         Support Agreement by more than 11% above the rate for the preceding
         Term. This rate of increase is exclusive of any additional fees for
         Additional Modules and changes outside of the System. Any increase in
         the Monthly Fee Shall be effective only if AQS has given written notice
         to Customer of such increase no later than sixty (60) days prior to
         commencement of the term to which the increased Monthly Fee is to
         apply.

2.3      TERMINATION. Except as otherwise expressly provided herein, the
         obligations of AQS shall terminate automatically upon the occurrence of
         the termination of the Software License Agreement in Accordance with
         its applicable terms and conditions, and all fees for services
         performed prior to the date of such termination shall become
         immediately due and payable.

2.4      MODIFICATIONS. Except as otherwise provided herein, modifications to
         this Support Agreement may be made by mutual agreement between the
         parties, in writing, and signed by a duly authorized representative of
         AQS and Customer.

                                   SECTION 3
                                  THE SERVICES

3.1      IN GENERAL. During the term of this Agreement, AQS will provide those
         Support Services selected by Customer, and included as part of this
         Support Agreement as identified on Exhibit B-1. Unless otherwise
         provided in Exhibit B-1, implementation, installation and training of
         Software Updates shall be at AQS's standard rates then in effect.

3.2      ADDITIONAL SERVICES. Customer may request that AQS perform certain
         additional services which AQS is not otherwise required to perform
         under the terms of this Support Agreement or Exhibit B-1. If the
         request is accepted by AQS, Customer shall pay to AQS according to
         AQS's then current rates or an amount upon terms agreed to by the
         parties prior to performance of such services.

3.3      RELATIONSHIP OF PARTIES. The relationship of AQS and Customer is
         strictly that of independent contractors. Nothing contained in the
         Software License Agreement, Nondisclosure Agreement or this Support
         Agreement shall be construed or interpreted as creating a
         co-principalship, joint venture, partnership or employer-employee
         relationship. Each party shall pay all wages, salaries and other
         amounts due to respective employees relative to such agreements and
         shall be responsible for all obligations relating to employees such as
         income tax, withholdings, unemployment, insurance premiums, pension
         plan contributions, worker's compensation insurance and other similar
         responsibilities, neither party has the right or authority to assume or
         create any obligation or responsibility on behalf of the other party,
         except as may from time to time hereafter be provided in any written
         instrument signed by both parties.

3.4      CUSTOMER OBLIGATIONS. Customer acknowledges that it is required to
         install all Software Updates in the sequence and according to the
         time-schedule specified by AQS. Customer shall remain no more than one
         version behind the most current released version of each Software
         module; provided, however, if AQS requires immediate installation of
         any Software Update (due to a critical update, for example), Customer
         will comply with such requirements. Any error or non-conformity in the
         Software that relates to Customer's failure to comply with AQS's
         recommended installation sequence or time-schedule, communicated by AQS
         and reasonable in time and scope, is not covered by this Support
         Agreement or any warranty AQS may otherwise provide, and any services
         provided by AQS to correct such error will be provided by AQS on a time
         and materials basis at its then current rates.

(c) 2002 AQS, Inc.          Page 1        Software License Agreement- Schedule B
                                          (Software Support Agreement)

                                      85
<PAGE>

                                    SECTION 4
                                   RATES/FEES

4.1      IN GENERAL. In connection with the Support Services provided by AQS
         hereunder, Customer will pay AQS the fees set forth on Exhibit B-1.

4.2      REINSTATEMENT. In the event Support Services are not renewed at
         Customer's previous level, and Customer subsequently requests
         reinstatement of Support Services at the previous level, AQS may, in
         its sole discretion, reinstate such additional Support Services but
         only after Customer pays AQS the annual Support Services fee in effect
         at the time of such reinstatement, plus a reinstatement fee equal to
         the number of years or portion thereof during which Customer was not a
         subscriber to the previous level of Support Services multiplied by the
         annual Support Services fee in effect at the time of such
         reinstatement.

4.3      IMPLEMENTATION FEES. Customer will pay AQS for all fees and expenses
         related to the customization services required to implement into
         Customer's Software non-bureau-driven updates that increase software
         functionality and are priced separately by AQS. Fees are on a time and
         materials basis according to AQS's then current rates.

4.4      INCIDENTAL EXPENSES. Customer shall pay AQS all reasonable travel, meal
         and accommodation expenses incurred by AQS's personnel in providing
         services pursuant to this Agreement.

4.5      BUREAU FEES. In connection with the support granted pursuant to this
         Agreement, Customer agrees to reimburse AQS for any insurance bureau
         fees associated with Customer's support of the Software and other
         associated support. The initial bureau fees are set forth on Exhibit
         B-1, Customers will reimburse AQS for future bureau fees incurred by
         AQS when invoiced by AQS. Customer acknowledges that the bureau fees
         are passed on to Customer without any addition thereto, are not
         directly set by AQS, and are subject to change at anytime.

4.6      AMOUNTS DUE. If Customer fails to pay to AQS any amount within time
         prescribed in this Agreement (or within 30 days of invoice for monthly
         charges) and Customer has not disputed the amount due, late charges of
         the greater of 1.5% per month or the maximum allowable under applicable
         law shall also become payable by Customer to AQS. In addition, AQS may
         cease providing services to Customer until the outstanding undisputed
         amounts are paid. Any such suspension does not relieve Customer from
         paying past due fees plus interest, and in the event of collection
         enforcement, Customer shall be liable for any costs associated with
         collection of undisputed amounts, including, but not limited to, legal
         costs, attorneys' fees, court costs, and collection agency fees.

         In order for an amount to be considered disputed hereunder, Customer
         must notify AQS in writing within 15 days after receipt of an invoice
         including such amount setting forth Customer's good faith basis for
         the dispute. Thereafter, the parties shall attempt through informal
         cancellation to resolve such dispute within the next 60 days. Amounts
         agreed to be due shall then be paid by the earlier of the due date for
         payment of amounts appearing on the next invoice, or 30 days after such
         agreement has been reached. If the parties have not reached agreement
         within the above-described 60-day period, either party may initiate
         legal proceedings to resolve the dispute.

(c) 2002 AQS, Inc.          Page 2        Software License Agreement- Schedule B
                                          (Software Support Agreement)

                                  86

<PAGE>

                                   SECTION 5
                                    WARRANTY

LIMITED WARRANTY. AQS warrants that it will perform its obligations under the
Support Agreement in a professional and workmanlike manner according to industry
standards. Any Software provided hereunder shall be subject to the warranty set
forth in Section 8.1 of the Software License Agreement. The disclaimers of
warranty set forth in Sections 8.2 and 8.4 of the Software License Agreement
shall apply to all services and software provided hereunder.

                                   SECTION 6
                    LIMITATION OF LIABILITY, INDEMNIFICATION

IN NO EVENT SHALL AQS BE LIABLE TO CUSTOMER FOR ANY COMMERCIAL LOSSES, SPECIAL,
INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, WHETHER IN CONTRACT,
IN TORT OR OTHERWISE, INCLUDING BUT NOT LIMITED TO LOSS OF USE, REVENUE, PROFIT,
OR LOSS OF DATA, WHETHER OR NOT AQS HAD NOTICE OF THE POSSIBILITY OF SUCH
DAMAGES OCCURRING, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGE.

AQS SHALL NOT BE LIABLE FOR ANY DAMAGE TO PROPERTY OR PERSONAL INJURY TO ANY
PERSON WHICH RESULTS SOLELY FROM THE FAULT OR NEGLIGENCE OF CUSTOMER, ITS AGENTS
OR EMPLOYEES. CUSTOMER SHALL INDEMNIFY AND HOLD AQS HARMLESS FROM AND AGAINST
ANY SUCH CLAIMS OF DAMAGE OR INJURY RESULTING FROM THE FAULT OR NEGLIGENCE OF
CUSTOMER, ITS AGENTS OR EMPLOYEES.

IN NO EVENT SHALL THE TOTAL LIABILITY OF AQS FOR ANY REASON AND UPON ANY CAUSE
OF ACTION WHATSOEVER UNDER THIS AGREEMENT EXCEED ALL AMOUNTS PAID BY CUSTOMER
FOR COVERED SUPPORT SERVICES DURING THE CURRENT TERM.

                                   SECTION 7
                                 MISCELLANEOUS

7.1      RECRUITMENT OF EMPLOYEES. Customer and AQS mutually agree that during
         the term of this Agreement and for a period of twelve (12) consecutive
         calendar months immediately following the termination of this Agreement
         they will not (i) induce or attempt to induce, encourage or solicit,
         either directly or indirectly, any employee of the other party to
         terminate his or her employment with such other party; or (ii)
         interfere in any respect with the relationship between the other party
         and any of its employees, nor shall either party hire a former employee
         of the other party during the one (1) year period immediately following
         such former employee's termination of employment. In the event of any
         breach of this paragraph, in addition to other relief to which the
         non-breaching party shall be entitled, it shall be an entitled to
         recover from the breaching party all costs, expenses and reasonable
         attorneys' fees incurred by it in seeking (i) enforcement of the
         provisions of this paragraph, and (ii) relief for violation of any
         covenant contained herein.

7.2      TAXES. Customer shall pay or reimburse AQS for all sales, use,
         transfer, privilege, excise, and all other taxes and all duties,
         whether international, national or local, however designated, which are
         levied or imposed by reason of the performance by AQS under this
         Agreement; excluding, however, income taxes on profits which may be
         levied against AQS.

7.3      ENTIRE AGREEMENT, MERGER AND WAIVER. This Agreement expresses and
         contains the entire agreement of the parties with respect to the
         subject matter hereof and merges all prior and contemporaneous
         communications. There are no express or implied representations,
         warranties or agreements between the parties, except as contained in
         this Agreement. Except as otherwise provided herein, this Agreement may
         not be modified, amended or supplemented except by a writing signed by
         both Customer and AQS.

7.4      WAIVER. No consent given or waiver made by AQS of any breach of any
         provision of this Agreement will operate or be construed in any manner
         as a waiver of any subsequent breach of the same or of any other
         provision.

7.5      GOVERNING LAW; ATTORNEYS' FEES. This Support Agreement is to be
         governed by the internal laws of the Commonwealth of Pennsylvania. In
         any suit, arbitration, mediation or other action to enforce any right
         or remedy under this Agreement or to interpret any provision of this
         Agreement, the prevailing party will be entitled to recover its costs,
         including reasonable attorneys' fees, including without limitation,
         costs and fees incurred on appeal or in a bankruptcy or similar action.

7.6      SEVERABILITY; WAIVER. If for any reason a court of competent
         jurisdiction finds any provision of this Agreement, or portion thereof,
         to be unenforceable, that provision of the Agreement will be enforced
         to the maximum extent permissible so as to effect the intent of the
         parties, and the remainder of this Agreement will continue in full
         force and effect. Failure by either party to enforce any provision of
         this Agreement will not be deemed a waiver of future enforcement of
         that or any other provision. This Agreement has been negotiated by the
         parties and their respective counsel and will be interpreted fairly in
         accordance with its terms and without any strict construction in favor
         of or against either party. This Agreement is to be construed as though
         all parties had drafted it. The terms of this Agreement shall supercede
         the terms of any purchase order submitted by AQS in connection with
         this Agreement.

7.7      FORCE MAJURE. Neither party will be liable to the other by reason of
         any failure in performances of this Agreement if the failure arises out
         of the unavailability of third party communication facilities or energy
         sources, acts of God, acts of the other party, acts of governmental
         authority, fires, strikes, delays in transportation, riots or war, or
         any cause beyond the reasonable control of that party.

7.8      COUNTERPARTS. This Agreement may be executed in any number of
         counterparts each of which will be deemed an original and as executed
         constitutes one agreement, binding on both parties even though both
         parties do not sign the same counterpart.

7.9      ATTACHMENTS. All schedules, exhibits and attachments which are annexed
         to this Agreement are expressly made a part of this Agreement and are
         incorporated herein by this reference. All references to this Agreement
         are deemed to

(c) 2002 AQS, Inc.          Page 3        Software License Agreement- Schedule B
                                          (Software Support Agreement)

                                    87
<PAGE>

         refer to and include this Agreement and all such schedules, exhibits
         and attachments, as amended from time to time.

7.10     NOTICES. Any notice or communication required or permitted under this
         Agreement shall be in writing. Notices must be sent to the parties at
         the addresses specified herein, or to substitute addresses provided in
         writing, and shall be deemed received on the date sent by facsimile
         transmission, on the date when personally delivered, or five (5) days
         after receipt of signature via certified mail, postage prepaid.

IN WITNESS WHEREOF, the parties have executed this Agreement by their duly
authorized representative as of the date first set forth below.

AQS, INC.

                                         Philadelphia Insurance Companies
                                         ---------------------------------------
                                         Customer Name

by: /s/ DAVID C WAGNER               by: /s/ James Maguire Jr.
    ----------------------------          --------------------------------------

   DAVID C WAGNER         SVP             Mr. James Maguire Jr.  President & CEO
   -----------------------------          --------------------------------------
   Name                   Title           Name                   Title

   Date: 10/18/02                         Date: 10/17/02

(c) 2002 AQS, Inc.          Page 4        Software License Agreement- Schedule B
                                          (Software Support Agreement)

                                      88
<PAGE>

                                  EXHIBIT B-1
                           SOFTWARE SUPPORT AGREEMENT

B1-1     AQS SUPPORT OBLIGATIONS

STANDARD SUPPORT SERVICES. AQS will perform rate changes, forms updates and
mandatory and conditional forms attachment rules as required for continued
operation of the Software by Customer. Scheduling for revisions will be based on
mutually agreed upon timeframes, recognizing Customer utilization and impact.
These changes include bureau-driven changes and changes to Customer-specific
portions of the Software already in production. This does not include those
items listed in B1-4 below.

GENERAL SOFTWARE UPDATES. During the term of this Agreement, AQS will make
available to Customer, without an additional license fee, all Software Updates
which are made generally available to customers of AQS. However, implementation,
installation and training of Software Updates shall be at AQS's standard rates.

ADDITIONAL FEE BASED SERVICES. Any additional services requested by Customer
pursuant to a Project/Customization Quote may be performed by AQS (in its
reasonable discretion) at AQS's rates in effect at the time such services are
requested.

FUNCTIONAL COMPLIANCE. AQS will use commercially reasonable efforts to provide
Software Updates to cause the Software to continue to conform to the
Documentation. In the event that original programming is required to meet any
other mandated Software change (including State, Federal, or Local mandated
changes), the development costs will be borne by all Customers who utilize that
Software change. AQS warrants that all Software Updates will be provided in a
professional manner, according to industry standards, and such Software Update
will operate in accordance with the updated Release Notes or Memo for a period
of one (1) year after such Software Update is delivered to Customer. In the
event that any Software Update or updated Release Notes or Memo causes an
interruption or malfunction in the operation of the Software, then Customer's
sole and exclusive remedy shall be for AQS to correct the error that caused the
interruption or malfunction.

REMOTE ASSISTANCE. AQS shall provide to Customer, from 8 a.m. to 5 p.m. Central
Time, Monday through Friday, except for AQS recognized holidays, by telephone,
fax, and e-mail supported assistance regarding Customer's authorized use of the
latest Software Update. Customer agrees to attempt to locate information
provided in Documentation prior to use of Remote Assistance.

RESOLUTION ASSISTANCE. Customer shall provide to AQS reasonably detailed
documentation and explanation of issues to be resolved, together with underlying
data, to substantiate any problem or failure and to assist AQS in its efforts to
diagnose, reproduce and correct the problem or failure. AQS will respond,
acknowledging receipt, within two working days of receiving the issue. If an
issue or bug submitted to AQS is resolved by AQS and determined to be caused
solely by Customer and not by AQS Software, Customer may be charged.

OTHER ASSISTANCE. Other assistance requests (e.g, requests for assistance with
hardware, operating systems, database management systems, networks, printer
configuration, etc.) are outside the scope of this Software Support Agreement.
However, at Customer's request, other software assistance may be provided on a
time and materials basis, as available, at the sole discretion of AQS.

VERSION 2 SUPPORT REPLACEMENT. This Software Support Agreement is intended to
replace Schedule A of the License Agreement between the parties dated on or
about December 23, 1999 and such prior agreement, and the rights and obligations
of the parties pursuant to such prior agreement, are hereby terminated. AQS will
continue to support Version 2 lines of business currently licensed to Customer
consistent with the support currently provided to Customer pursuant to this
Agreement; provided, however, that when AQS commences, on behalf of the
Customer, customization of a line of business for V(3) Galileo, any subsequent
support of the Version 2 line of business will only be performed by AQS on a
time and materials basis.

B1-2     SUPPORT FEE PAYMENT SCHEDULE

<TABLE>
<CAPTION>
                  PAYMENT ITEM                                  DUE                   AMOUNT
-------------------------------------------------------------------------------------------------
<S>                                                       <C>                    <C>
Support Fees (October 1, 2002 - December 31, 2002)        Billed Monthly            $ 38,563.00
-------------------------------------------------------------------------------------------------
Support Fees (January 1, 2003 - December 31, 2007)        Billed Monthly            $ 90,000.00
-------------------------------------------------------------------------------------------------
Bureau Fees                                               Billed Monthly         To be Determined
-------------------------------------------------------------------------------------------------
Project/Customization Quote and Time and Materials        Billed Monthly, as     To be Determined
Services                                                     incurred
-------------------------------------------------------------------------------------------------
</TABLE>

Note: Support Fees and Bureau Fees will change as Project/Customization Work

and Time and Materials Work is completed and delivered to Customer. These
amounts represent the initial months only.

B1-3     CUSTOMER OBLIGATIONS

(C) 2002 AQS, Inc.      Page 6  Software License Agreement-Schedule B (Software
                                Support Agreement)

                                      89
<PAGE>

IN GENERAL. Customer acknowledges that it will install Software Updates in the
sequence and in the time-schedule specified by AQS. Customer shall remain no
more than one release behind the most current release of each Software module;
provided, however, that if AQS requires immediate installation of any Software
Update (due to a critical update, for example), Customer will comply with such
requirements. Any error or non-conformity in the Software that relates to
Customer's failure to comply with AQS's recommended installation sequence or
time-schedule is not covered by this Software Support Agreement or any warranty
AQS may otherwise provide, and any services provided by AQS to correct such
error will be provided by AQS on a time and materials basis at its then current
rates.

THIRD PARTY PRODUCTS. From time to time new optional features may be added to
the Software as a result of a Software Update (whether included under this
Agreement or as a result of a fee-based modification). Optional features may
require the use of third party software or hardware. Customer may have the
option to procure or not to procure such third party products to enable such
optional features. In addition, future Software Updates may require Customer to
procure specific third party software or hardware to allow Customer to receive
the latest Software Update.

B1-4     ADDITIONAL SERVICES

The following items are available from AQS on a time and materials basis or
subject to a Project/Custom Quote.

<TABLE>
<CAPTION>
MODULE                     ITEM
<S>                        <C>
Rating
                           New Coverage
                           New Program Type
                           New Line of Business
                           Delete Coverage
                           Delete Program Type
                           Delete a Line of Business
                           Formula Change
                           New Company
                           Edits
                           Presets
                           Defaults
                           Additional Functionality
                           Additional Selection
                           New Tax or Surcharge
Stat
                           New Coverage
                           New Program Type
                           New Line of Business
                           Delete Coverage
                           Delete Program Type
                           Delete a Line of Business
                           Value Change
                           Formula Change
                           New Company
                           Edits
                           Presets
                           Defaults
                           Additional Functionality
Interface
                           Edits
                           Additional Functionality

Information Technology
                           Agent Hardware Assistance
                           Branch Office Setup and Support
                           Agent Setup and Support
                           Network Design and Reconfiguration
                           Desktop/Laptop Client Setup and Support
                           Database Query Development and Support
                           Database Configuration Management
                           e-mail Server Setup/Configuration Management
                           Terminal Server Setup and Support
                           Citrix Setup and Support

Forms Print
                           New Form
                           Delete Form
                           Edits
                           Additional Functionality
                           Mandatory and Conditional
                           New Attachment
                           Edits
                           Additional Functionality
</TABLE>

(C) 2002 AQS, Inc.      Page 6  Software License Agreement-Schedule B (Software
                                Support Agreement)

                                      90
<PAGE>

                                   SCHEDULE C

                        PROFESSIONAL SERVICES AGREEMENT

This independent Schedule (the "Professional Services Agreement") to the
Software License Agreement is entered into as of Effective Date of the Software
License Agreement, by and between AQS, Inc. ("AQS") and the Customer identified
below.

                                   BACKGROUND

The parties have previously entered into a Software License Agreement dated
October 1, 2002 and have determined to further define the nature of the services
provided to Customer by AQS pursuant to the terms of this Professional Services
Agreement.

                                   SECTION 1
                                  DEFINITIONS

1.1      IN GENERAL. Any term not defined in this professional Services
         Agreement shall have the meaning set forth in the Software License
         Agreement. In the event of a conflict between this Professional
         Services Agreement and the Software License Agreement, this
         Professional Services Agreement shall govern.

1.2      "INTELLECTUAL PROPERTY RIGHTS" means any and all now known or hereafter
         known tangible and intangible (a) rights associated with works of
         authorship, including but not limited to copyrights, moral rights, and
         [???]-works, (b) trademark and trade name rights, and similar rights,
         (c) trade secret rights, (d) patents, designs, algorithms and other
         industrial property rights, (e) all other intellectual and industrial
         property rights (of every kind and nature and however designated),
         whether arising by operation of law, contract, licenses, or otherwise.

1.3      "PROFESSIONAL SERVICES" means those services that AQS may provide to
         Customer from time to time as detailed in a Work Order.

                                   SECTION 2
                              TERM AND TERMINATION

2.1      TERM. This Agreement is effective as of the Effective Data, and will
         continue, unless otherwise terminated as provided herein.

2.2      TERMINATION. Either party may terminate this Agreement, by written
         notice to the other party in the event of a material breach by the
         other party. Upon receipt of any such notice, the breaching party shall
         have sixty (60) days to cure the breach (except in the case of
         non-payment in which case a thirty (30) day cure period shall apply),
         If the breach is cured, within the cure period, this Agreement shall
         continue in full force and effect. If the breach is not cured within
         the cure period, the Agreement will immediately terminate.

2.3      POST TERMINATION OBLIGATIONS. Upon Termination of this agreement for
         any reason, the parties shall have the following obligations: (1) AQS
         shall retain any payment made by Customer through the date of
         termination for Professional Services rendered, shall return any
         payment made by Customer in excess of Professional Services actually
         performed, and shall have the right to collect payment for any work
         performed until notice of termination was received by Customer.

2.4      MODIFICATIONS. Modifications to this agreement may be made by mutual
         agreement between the parties, in writing, and signed by a duty
         authorized representative of AQS and Customer.

                                   SECTION 3
                                  THE SERVICES

3.1      IN GENERAL. During the term of this Agreement, AQS will provide to
         Customer certain Professional Services which the parties may agree to
         as evidenced by the execution of a Work Order.

3.2      RELATIONSHIP OF PARTIES. The relationship of AQS and Customer is
         strictly that of independent contractors. Nothing contained in the
         Software License Agreement, Nondisclosure Agreement or this Upgrade
         Agreement shall be construed or interpreted as creating a
         co-principalship, joint venture, partnership or employer-employee
         relationship. Each party shall pay all wages, salaries and other
         amounts due to respective employees relative to such agreements and
         shall be responsible for all obligations relating to employees such as
         income tax, withholdings, unemployment, insurance premiums, pension
         plan contributions, worker's compensation insurance and other similar
         responsibilities, nether party has the right or authority to assume or
         create any obligation or responsibility on behalf of the other party,
         except as may from time to time hereafter be provided in any written
         instrument signed by both parties.

3.3      COOPERATION. Customer acknowledges that certain aspects of the
         Professional Services require cooperation and coordination with
         Customer personnel. Customer agrees to make available, as reasonably
         necessary, the resources, required to complete the Professional
         Services, Customer shall use reasonable efforts to ensure timely
         compilation of such aspects, and any delay in the completion of the
         Professional Services due to Customer's inability to perform such
         aspects in a timely fashion shall not work to prejudice AQS with regard
         to payment of the Payments.

                                   SECTION 4
                                   RATES/FEES

4.1      IN GENERAL. In connection with the Professional Services provided by
         AQS hereunder, Customer will pay AQS the Professional Service Fee set
         forth on each Work Order. Unless otherwise stated on the Work Order,
         all Professional Services are provided on a time and materials basis,
         according to AQS's then applicable Professional Service rates.

4.2      INCIDENTAL EXPENSES. Customer shall pay AQS all reasonable travel, meal
         and accommodation expenses incurred by AQS's personnel in providing
         services pursuant to this Agreement.

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4.3      AMOUNTS DUE. If Customer falls to pay to AQS any amount within the time
         prescribed in this Agreement (or within 30 days of invoice if for
         monthly charges) and Customer has not disputed the amount due, late
         charges of the greater of 1.5% per month or the maximum allowable under
         applicable law shall also become payable by Customer to AQS. In
         addition, AQS may cease providing services to Customer until the
         outstanding undisputed amounts are paid. Any such suspension does not
         relieve Customer from paying past due fees plus interest, and in the
         event of collection enforcement, Customer shall be liable for any costs
         associated with such collection of undisputed amounts, including, but
         not limited to, legal costs, attorneys' fees, court costs, and
         collection agency fees.

         In order for an amount to be considered disputed hereunder, Customer
         must notify AQS in writing within 15 days after receipt of an invoice
         including such amount, setting forth Customer's good faith basis for
         the dispute. Thereafter, the parties shall attempt through informal
         conciliation to resolve such dispute within the next 60 days. Amounts
         agreed to be due shall then be paid by the earlier of the due date for
         payment of amounts appearing on the next invoice, or 30 days after such
         agreement has been reached. If the parties have not reached agreement
         within the above-described 60-day period, either party may initiate
         legal proceedings to resolve the disputes.

                                   SECTION 5
                               PROPRIETARY RIGHTS

5.1      IN GENERAL. All Materials (in object code and source code form),
         including but not limited to, any computer software, graphics files
         (vector and rester), script, data structures, data tables, programming
         code, or information provided by AQS or its suppliers under this
         Agreement, and any tradesecrets, know how, methodologies an processes
         related to AQS's products or services, shall remain the sale and
         exclusive property of AQS or its suppliers, including, without
         limitation, all copyrights, trademarks, patents, tradesecrets and any
         other proprietary rights inherent therein (collectively "Work
         Product"). To the extent, if any, that ownership of the Work Product do
         not automatically vest in AQS by virtue of this Agreement or otherwise.
         Customer hereby transfers and assigns to AQS all rights, the and
         interest which Customer may have in and to the Work Product. Customer
         acknowledges and agrees that AQS is in the business of providing
         software and technology solutions and that AQS shall have the same
         right to provide third party services which are the same or similar to
         the Professional Services contemplated by this Agreement.

5.2      ENHANCEMENTS SUBJECT TO LICENSE. Any enhancement to the Software
         developed pursuant to the Professional Services Agreement shall be
         deemed computer software subject to the terms of the Software License
         Agreement.

5.3      RESIDUAL KNOWLEDGE. None of the provisions of this Agreement shall
         prevent AQS or its employees from using the general skills and
         knowledge gained while performing duties under this Agreement after the
         completion of his/her duties under this Agreement. AQS may, in its sole
         discretion, include any enhancements, developed pursuant to this
         Professional Services Agreement in any version of the Software it may
         deem appropriates.

                                   SECTION 6
                                    WARRANTY

AQS warrants that it will perform its obligations under the Professional
Services Agreement in a professional and workmanlike manner according to
industry standards. Any Software provided hereunder shall be subject to the
warranty set forth in Section 8.1 of the Software License Agreement. The
disclaimers of warranty set forth in Sections 8.2 and 8.4 of the Software
License Agreement shall apply to all services and software provided hereunder.

                                   SECTION 7
                    LIMITATION OF LIABILITY, INDEMNIFICATION

IN NO EVENT SHALL AQS BE LIABLE TO CUSTOMER FOR ANY COMMERCIAL LOSSES, SPECIAL,
INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, WHETHER IN CONTRACT.
IN TORT OR OTHERWISE INCLUDING BUT NOT LIMITED TO LOSS OF USE, REVENUE, PROFIT,
OR LOSS OF DATA, WHETHER OR NOT AQS HAD NOTICE OF THE POSSIBILITY OF SUCH
DAMAGES OCCURRING, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGE.

AQS SHALL NOT BE LIABLE FOR ANY DAMAGE TO PROPERTY OR PERSONAL INJURY TO ANY
PERSON WHICH RESULTS SOLELY FROM THE FAULT OR NEGLIGENCE OF CUSTOMER, ITS AGENTS
OR EMPLOYEES. CUSTOMER SHALL INDEMNIFY AND HOLD AQS HARMLESS FROM AND AGAINST
ANY SUCH CLAIMS OF DAMAGE OR INJURY RESULTING FROM THE FAULT OR NEGLIGENCE OF
CUSTOMER ITS AGENTS OR EMPLOYEES.

IN NO EVENT SHALL, THE TOTAL LIABILITY OF AQS FOR ANY REASON AND UPON ANY CAUSE
OF ACTION WHATSOEVER UNDER THIS AGREEMENT EXCEED ALL AMOUNTS PAID BY CUSTOMER
FOR PROFESSIONAL SERVICES PROVIDED DURING THE PREVIOUS 12 MONTH PERIOD.

                                   SECTION 8
                                 MISCELLANEOUS

8.1      RECRUITMENT OF EMPLOYEES. Customer and AQS mutually agree that during
         the term of this Agreement and for a period of twelve (12) consecutive
         calendar months immediately following the termination of this
         Agreement, they will not (i) include or attempt to Include, encourage
         or solicit, either directly or indirectly, any employee of the other
         party to terminate his or her employment with such other party, or (ii)
         interfere in any respect with the relationship between the other party
         and any of its employees, nor shall either party hire a former employee
         of the other party during the one (1) year period immediately following
         such former employee's termination of employment. In the event of any
         breach of this paragraph, In addition to other relief to which the
         non-breaching party shall be entitled, it shall be entitled to recover
         from the breaching party all costs, expenses and reasonable attorney's
         fees incurred by it in seeking (i) enforcement of the provisions of
         this paragraph, and (ii) relief for violation of any covenant contained
         herein.

8.2      TAXES. Customer shall pay or reimburse AQS for all sales, use transfer,
         privilege, excise, and all other taxes

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         and all duties, whether international, national or local, however
         designated, which are levied or imposed by reason of the performance by
         AQS under this Agreement; excluding, however, income taxes on profits
         which may be levied against AQS.

8.3      ENTIRE AGREEMENT, MERGER AND WAIVER. This Agreement expresses and
         contains the entire agreement of the parties with respect to the
         subject matter hereof and merges all prior and contemporaneous
         communications. There are no express or implied representations,
         warranties or agreements between the parties, except as contained in
         this Agreement. This Agreement may not be modified, amended or
         supplemented except by a writing signed by both Customer and AQS.

8.4      WAIVER. No consent given or waiver made by AQS of any breach of any
         provision of this Agreement will operate or be construed in any manner
         as a waiver of any subsequent breach of the same or of any other
         provision.

8.5      GOVERNING LAW; ATTORNEYS' FEES. This Professional Services Agreement
         is to be governed by the internal laws of the Commonwealth of
         Pennsylvania. In any suit, arbitration, mediation or other action to
         enforce any right or remedy under this Agreement or to interpret any
         provision of this Agreement, the prevailing party will be entitled to
         recover its costs, including reasonable attorneys' fees, including
         without limitation, costs and fees incurred on appeal or in a
         bankruptcy or similar action.

8.6      SEVERABILITY; WAIVER. If for any reason a court of competent
         jurisdiction finds any provision of this Agreement, or portion thereof,
         to be unenforceable, that provision of the Agreement will be enforced
         to the maximum extent permissible so as to effect the intent of the
         parties, and the remainder of this Agreement will continue in full
         force and effect. Failure by either party to enforce any provision of
         this Agreement will not be deemed a waiver of future enforcement of
         that or any other provision. This Agreement has been negotiated by the
         parties and their respective counsel and will be interpreted fairly in
         accordance with its terms and without any strict construction in favor
         of or against either party. This Agreement is to be construed as though
         all parties had drafted it. The terms of this Agreement shall
         supercede the terms of any purchase order submitted by AQS in
         connection with this Agreement.

8.7      FORCE MAJURE. Neither party will be liable to the other by reason of
         any failure in performances of this Agreement if the failure arises out
         of the unavailability of third party communication facilities or energy
         sources, acts of God, acts of the other party, acts of governmental
         authority, fires, strikes, delays in transportation, riots or war, or
         any cause beyond the reasonable control of that party.

8.8      COUNTERPARTS. This Agreement may be executed in any number of
         counterparts each of which will be deemed an original and as executed
         constitutes one agreement, binding on both parties even though both
         parties do not sign the same counterpart.

8.9      ATTACHMENTS. All schedules, exhibits and attachments which are annexed
         to this Agreement are expressly made a part of this Agreement and are
         incorporated herein by this reference. All references to this Agreement
         are deemed to refer to and include this Agreement and all such
         schedules, exhibits and attachments, as amended from time to time.

8.10     NOTICES. Any notice or communication required or permitted under this
         Agreement shall be in writing. Notices must be sent to the parties at
         the addresses specified herein, or to substitute addresses provided in
         writing, and shall be deemed received on the date sent by facsimile
         transmission, on the date when personally delivered, or five (5) days
         after receipt of signature via certified mail, postage prepaid.

IN WITNESS WHEREOF, the parties have executed this Agreement by their duly
authorized representative as of the date first set forth below.

AQS, INC.

                                 Philadelphia Insurance Companies
                                 --------------------------------
                                 Customer Name

by: /s/ David C Wagner           by: /s/ James Maguire Jr.
    -------------------------        ----------------------------------------
    DAVID C WAGNER      SVP          Mr. James Maguire Jr.    President & CEO
    -----------------------          ----------------------------------------
    Name              Title          Name                     Title

    Date: 10/18/02                   Date: 10/17/02
    -----------------------          ----------------------------------------

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                                      93

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