Document:

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                                                           EXHIBIT 10.18

                                 FIRST AMENDMENT

                                       to

                            RESTRUCTURING AGREEMENT,

                           Dated as of March 29, 2000

                                      among

                       STOCKPOINT, INC., formerly known as
                        NEURAL APPLICATIONS CORPORATION,

                                as the Borrower,

                                       and

                           THE NORTHERN TRUST COMPANY,

                                       and

                             IOWA STATE BANK & TRUST

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                                                                   EXHIBIT 10.18

                                 FIRST AMENDMENT
                                       to
                             RESTRUCTURING AGREEMENT

                           Dated as of March 29, 2000

         THIS FIRST AMENDMENT TO RESTRUCTURING AGREEMENT, dated as of March 29,
2000 (this "Agreement"), is entered into by and among STOCKPOINT, INC., formerly
known as NEURAL APPLICATIONS CORPORATION, a corporation organized under the laws
of the State of Delaware (the "Borrower"), THE NORTHERN TRUST COMPANY, an
Illinois banking corporation ("Northern"), as lead bank (the "Lead Bank") and as
a lender to the Borrower, and IOWA STATE BANK & TRUST, as Northern's participant
(together with Northern, the "Lenders").

                                R E C I T A L S :

         A. Northern extended a line of credit (the "November 28, 1997 Line of
Credit") to the Borrower in the maximum principal amount of THREE MILLION
DOLLARS ($3,000,000), the Borrower's obligations relating to which being
evidenced by a promissory note dated as of November 28, 1997 (the "November 28,
1997 Note"), of the Borrower in favor of Northern.

         B. ISB has purchased a $1,000,000.00 participating interest in the
November 28, 1997 Line of Credit.

         C. Northern issued letters of credit (collectively, the "Letters of
Credit") in the maximum aggregate amount of $6,313,000 for the account of the
Borrower to support the repayment of certain debentures issued by the Borrower
(the "Debentures"), the Borrower's reimbursement obligations relating to which
being set forth in accompanying reimbursement agreements (collectively the "L/C
Reimbursement Agreements").

         D. Iowa State Bank & Trust ("ISB"), an Iowa banking corporation, has
purchased a $2,000,000.00 participating interest in Northern's obligations
relating to the Letters of Credit.

         E. Northern extended another line of credit (the "September 14, 1998
Line of Credit") to the Borrower in the maximum principal amount of TWO MILLION
DOLLARS ($2,000,000), the Borrower's obligations relating to which being
evidenced by a promissory note, dated as of September 14, 1998 (the "September
14, 1998 Note"), of the Borrower in favor of Northern.

         F. The Borrower's obligations under and in relation to the November 28,
1997 Line of Credit, the Letters of Credit, and the September 14, 1998 Line of
Credit were guaranteed by Robert B. Staib and the sole original collateral for
these obligations was to be shares of UAL Corporation stock to be pledged by Mr.
Staib to secure his obligations under such guarantees.

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Consistent with the foregoing, Mr. Staib ultimately delivered certificates to
Northern purporting to represent shares of UAL Corporation stock (the
"Purported UAL Stock Certificates").

         G. Based on information obtained on December 1, 1998, the Lenders
believed and continue to believe that the Purported UAL Stock Certificates are
counterfeit. The Borrower states that its senior management (other than Mr.
Staib) first learned that the certificates were alleged to be counterfeit on
December 3, 1998. Mr. Staib has since become subject to an involuntary
bankruptcy petition. These constitute events of default under each promissory
note and the L/C Reimbursement Agreements, resulting, inter alia, in the
termination of the lines of credit.

         H. The Borrower, Northern, ISB, and the Lead Bank entered into
restructuring discussions regarding the existing events of default, particularly
in light of the Borrower's stated intent to provide for the payment in full of
all obligations owing to the Lenders through the consummation of a strategic
transaction such as an initial public offering of its common stock, and the
parties amended the November 28, 1997 Note, the September 14, 1998 Note, and the
L/C Reimbursement Agreements to definitively reflect the terms of such a
restructuring pursuant to the terms and conditions set forth in that certain
Restructuring Agreement (the "Restructuring Agreement"), dated as of December 3,
1999, among the Borrower and the Lenders, it being understood that the Lead Bank
and the Lenders would not have entered into such a restructuring in the absence
of the Borrower's intent (and its commitment to use its best efforts) to
consummate such a strategic transaction on or before June 30, 2001 and that,
consequently, the Lead Bank and the Lenders materially relied thereupon in
entering into the Restructuring Agreement.

         I. The parties desire to amend the provisions of the Restructuring
Agreement for the limited purpose of (i) increasing the maximum amount of the
Bridge Financing (as such term is defined in the Restructuring Agreement) by
$500,000 and (ii) permitting the Borrower to incur up to $1,000,000 in unsecured
indebtedness for borrowed money from John Pappajohn, one of its present equity
holders, or from one of his affiliates.

         Therefore, the parties hereto agree, subject to the satisfaction of the
conditions precedent set forth in Section 3, to amend the Restructuring
Agreements as follows:

                SECTION 1 AMENDMENTS TO RESTRUCTURING AGREEMENT

         SECTION 1.1 Bridge Financing Increase. Section 6.1 of the Restructuring
Agreement is hereby amended to delete the amount "$2.5 million" in the third
line thereof and substitute "$3.0 million" therefor.

         SECTION 1.2 Indebtedness for Borrowed Money. Section 10.5(a) of the
Restructuring Agreement is hereby amended to delete the present text in its
entirety and substitute the following therefor:

                                      -2-

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                  (a) Indebtedness. Not incur, permit to remain outstanding,
         assume or in any way become committed for indebtedness in respect of
         borrowed money, except (i) indebtedness existing on December 3, 1999
         shown on the financial statements furnished to the Lenders before the
         Restructuring Agreement was originally signed, including any extensions
         or renewals thereof so long as the principal amount of such
         indebtedness is not increased by such extension or renewal; (ii) the
         Bridge Financing; (iii) after March 29, 2000, up to ONE MILLION DOLLARS
         ($1,000,000) in an unsecured line of credit (the "New Unsecured Line of
         Credit") to be extended by John Pappajohn, one of the Borrower's equity
         holders, or one of his affiliates, which, in addition to being
         unsecured, (A) shall not bear interest at a rate greater than (i) the
         Prime Rate and (ii) LIBOR plus 1.75%, (B) shall permit the lender
         thereunder to receive "interest only" payments until maturity, (C)
         shall have a stated maturity of June 30, 2001, and (D) may be
         accelerated only upon the occurrence of either a payment default that
         remains uncured or unwaived for three (3) business days or the
         consummation of a Strategic Transaction; and (iv) indebtedness incurred
         after the date hereof in the nature of Capitalized Lease Liabilities
         and/or purchase money debt, provided that the aggregate amount thereof
         outstanding at any one time does not exceed (a) $750,000 in calendar
         1999, (b) $1,500,000 in calendar 2000, and (c) $1,500,000 through June
         30, 2001 (assuming a total year limitation of $2,500,000) for the
         Borrower and all Subsidiaries and otherwise does not have a Material
         Adverse Effect on the Borrower and its business operations at any time.

         SECTION 1.3 Unsecured Line of Credit. Prior to incurring any
indebtedness under the New Unsecured Line of Credit, Borrower shall submit
executed copies of the agreement and documents relating thereto to the Lead Bank
and shall receive the Lead Bank's approval as to the form thereof, which
approval shall not be unreasonably withheld if such agreements and documents
comply with the provisions set forth in Section 1.2 of this Agreement.

                    SECTION 2 REPRESENTATIONS AND WARRANTIES

         To induce the Lenders, the Issuer and the Lead Bank to enter into this
Agreement, the Borrower represents and warrants unto the Lead Bank, and each
Lender that:

         SECTION 2.1 Organization. The Borrower is a corporation existing and in
good standing under the laws of the state indicated in the heading; any
Subsidiary is a corporation or partnership duly existing and in good standing
under the laws of the state of its formation as indicated on Schedule 2.5; the
Borrower and any Subsidiary are duly qualified, in good standing and authorized
to do business in each other jurisdiction where, because of the nature of their
activities or properties, such qualification is required and where the failure
to be so qualified may have a Material Adverse Effect; and the Borrower and any
Subsidiary have the power and authority to own their properties and to carry on
their businesses as now being conducted.

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         SECTION 2.2 Authorization; No Conflict. The execution and delivery of
this Agreement is within the Borrower's corporate powers, has been authorized by
all necessary corporate action, have received all necessary governmental
approval (if any shall be required) and do not and will not contravene or
conflict with any provision of law applicable to the Borrower or of the charter
or by-laws of the Borrower or any Subsidiary or of any agreement binding upon
the Borrower or any Subsidiary.

         SECTION 2.3 Taxes. Except in the case of state and local tax returns
for the fiscal years ended December 31, 1998 and December 31, 1999,
respectively, the Borrower and any Subsidiary have filed or caused to be filed
all federal, state and local tax returns which, to the knowledge of the Borrower
or any Subsidiary, are required to be filed, and have paid or have caused to be
paid all taxes as shown on such returns or on any assessment received by them,
to the extent that such taxes have become due (except for current taxes not
delinquent and taxes being contested in good faith and by appropriate
proceedings for which adequate reserves have been provided on the books of the
Borrower or the appropriate Subsidiary, and as to which no foreclosure,
distraint, sale or similar proceedings have been commenced). Specifically, the
Borrower is current in the filing of all of its federal income tax returns,
including for the calendar year ending December 31, 1998 and December 31, 1999,
respectively. The Borrower and any Subsidiary have set up reserves which are
adequate for the payment of additional taxes for years which have not been
audited by the respective tax authorities.

         SECTION 2.4 Litigation and Contingent Liabilities. No litigation
(including derivative actions), arbitration proceedings or governmental
proceedings are pending or threatened against the Borrower which would (singly
or in the aggregate), if adversely determined, have a Material Adverse Effect.

         SECTION 2.5 Subsidiaries. Attached hereto as Schedule 2.5 is a correct
and complete list of all Subsidiaries and Affiliates of the Borrower.

         SECTION 2.6 ERISA/Health. The Borrower does not maintain a Plan, but
only administers a 401(k) plan for its employees. The Borrower maintains a
self-funded health insurance plan, which represents a scheduled contingent
liability of no more than $100,000. Each of the foregoing complies in all
material respects with all applicable requirements of law and regulations.

         SECTION 2.7 Strategic Transaction Acknowledgment. The Borrower
continues to understand and acknowledge that the Lead Bank and the Lenders would
not have entered into the restructuring set forth in the Restructuring Agreement
(as amended hereby) in the absence of the Borrower's stated intent to use its
best efforts to consummate a Strategic Transaction on or before June 30, 2001
and that, consequently, the Lead Bank and the Lenders materially relied
thereupon in entering into the original Restructuring Agreement and continue to
materially rely thereupon in entering into this Agreement; provided, however,
that the failure to actually consummate a Strategic Transaction on or before
such date shall not constitute an Event of Default.

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         SECTION 2.8 No Defaults. As of the date hereof, (a) no Event of Default
or Unmatured Event of Default has occurred and is continuing and (b) the
Borrower is in compliance with the financial restrictions set forth in Sections
10.5 and 10.11 of the Restructuring Agreement (as amended by this Agreement).

               SECTION 3 CONDITIONS TO EFFECTIVENESS OF AGREEMENT

         This Agreement and the amendment of the Restructuring Agreement
provided for herein shall become effective as of the date hereof upon
satisfaction of the following conditions precedent:

         SECTION 3.1 Letters of Credit. There shall have been no demand for
payment made under any of the Letters of Credit.

         SECTION 3.2 Agreement. Each party hereto shall have received a
counterpart of this Agreement which has been executed by all of the parties
hereto.

         SECTION 3.3 Documentation. The Lead Bank shall have received all of the
following, each duly executed and dated the closing date hereof or such earlier
date as is provided for herein or in an Exhibit hereto or is satisfactory to the
Lead Bank, in form and substance satisfactory to the Lead Bank and its counsel,
at the expense of the Borrower, and in such number of signed counterparts as the
Lead Bank may request:

                  (a) Borrower Resolution. A copy of a resolution of the Board
         of Directors of the Borrower authorizing or ratifying the execution,
         delivery and performance, respectively, of this Agreement, to be
         executed by the Borrower and certified by the Secretary of the
         Borrower.

                  (b) Borrower Articles of Incorporation and By-laws. A
         certificate of the Secretary of the Borrower to the effect that true
         and correct copies of the articles of incorporation and the by-laws of
         the Borrower then in effect are attached as exhibits to such
         certificate or that its articles of incorporation and its by-laws are
         unchanged from the certified copies thereof that were provided by the
         Borrower at the time of the original execution and delivery of the
         Restructuring Agreement.

                  (c) Borrower Certificate of Incumbency. A certificate of the
         Secretary of the Borrower certifying the names of the officer or
         officers of the Borrower authorized to sign this Agreement, to be
         executed by the Borrower, together with a sample of the true signature
         of each such officer (the Lead Bank and each Lender may conclusively
         rely on such certificate until formally advised by a like certificate
         of any changes therein).

                                      -5-

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                  (d) Opinion of Counsel to the Borrower. An opinion or opinions
         of counsel to the Borrower to such effect as the Lead Bank may
         reasonably require.

                  (e) Miscellaneous. Such other documents and certificates as
         the Lead Bank may reasonably request.

         SECTION 3.4 Bridge Financing. The Lead Bank shall have received copies
of the executed agreements and other documents relating to the increase in the
maximum amount of the Bridge Financing contemplated hereby.

         SECTION 3.5 Payment of Accrued Interest and Letter of Credit Fees. The
Lead Bank, on behalf of the Lenders, shall have received current payment in full
of all accrued and unpaid interest on the Notes and unpaid Letter of Credit
Fees.

         SECTION 3.6 Robert B. Staib. The Lenders shall have entered into an
amendment to the Robert Staib/Lender Agreement substantially in the form of
Exhibit A hereto (the "Robert Staib/Lender Agreement"), which agreement will not
be subject to bankruptcy court approval, whether to be obtained before or after
closing.

                             SECTION 4 DEFINITIONS

         SECTION 4.1 Definitions. Unless otherwise set forth herein, the
definitions are set forth in Schedule I of the Restructuring Agreement.

                            SECTION 5 MISCELLANEOUS

         SECTION 5.1 Effectiveness and Successors. This Agreement shall, upon
execution and delivery by the Borrower, the Lenders and the Lead Bank in
Chicago, Illinois, become effective and shall be binding upon and inure to the
benefit of the Borrower, the Lenders, the Lead Bank and their respective
successors and assigns, except that the Borrower may not transfer or assign any
of its rights or interest hereunder without the prior written consent of the
Lenders.

         SECTION 5.2 Captions. Captions in this Agreement are for convenience of
reference only and shall not define or limit any of the terms or provisions
hereof. References herein to Sections or provisions without reference to the
document in which they are contained are references to this Agreement.

         SECTION 5.3 Singular and Plural. Unless the context requires otherwise,
wherever used herein the singular shall include the plural and vice versa, and
the use of one gender shall also denote the other where appropriate.

                                      -6-

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         SECTION 5.4 Counterparts. This Agreement may be executed by the parties
on any number of separate counterparts, and by each party on separate
counterparts; each counterpart shall be deemed an original instrument; and all
of the counterparts taken together shall be deemed to constitute one and the
same instrument.

         SECTION 5.5 Payment of Costs and Expenses. Other than with respect to
the professional fees and expenses of the Lead Bank and the Lenders relating to
the period prior to the execution and delivery of the original Restructuring
Agreement (which are addressed in Section 7.1 of the Restructuring Agreement),
the Borrower's obligations under the Notes and/or the L/C Reimbursement
Agreements to reimburse the Lead Bank and the Lenders for their respective
expenses remain unchanged. The aggregate limit set forth in Section 7.1 of the
Restructuring Agreement in no manner applies or otherwise limits the rights of
the Lead Bank and each Lender to be reimbursed for such fees and expenses
(including, without limitation, those relating to the preparation, execution,
and delivery of this Agreement and the other matters relating thereto), which,
for expenses incurred from December 3, 1999 to such date, shall be due and
payable on the earlier to occur of the date of the consummation of a Strategic
Transaction (or other acceleration of the Obligations pursuant to any of the
other provisions hereof) and June 30, 2001 and which, for expenses incurred
after such date, shall be due and payable on demand.

         SECTION 5.6 Confidentiality. The Lenders shall hold all non-public
information (which has been identified as such by the Borrower) obtained
pursuant to the requirements of this Agreement in accordance with their
customary procedures for handling confidential information of this nature and in
accordance with safe and sound banking practices and in any event may make
disclosure to any of their examiners, insurers, Affiliates, outside auditors,
counsel and other professional advisors in connection with this Agreement or as
reasonably required by any bona fide transferee, participant or assignee or as
required or requested by any governmental agency or representative thereof or
pursuant to legal process.

         SECTION 5.7 Construction. This Agreement, the Restructuring Agreement
(including as amended by this Agreement), the Notes (as amended by the
Restructuring Agreement), the Loan Documents and any other document or
instrument executed in connection herewith shall be governed by, and construed
and interpreted in accordance with, the internal laws of the State of Illinois,
and shall be deemed to have been executed in the State of Illinois.

         SECTION 5.8 Reaffirmation of the Provisions of the Loan Documents. This
Agreement amends the Restructuring Agreement only to the extent expressly set
forth herein. Consistent with the foregoing, none of the other provisions of the
Restructuring Agreement shall be amended, and the parties reaffirm the
Restructuring Agreement, as amended by the provisions of this Agreement, in all
respects. Except as amended by the Restructuring Agreement (including as amended
by the provisions of this Agreement), the provisions of the Notes and the L/C
Reimbursement Agreements remain unchanged, and the Borrower hereby reaffirms its
obligations thereunder. Consistent with the foregoing, any conflict between the
provisions of the Notes and/or the L/C Reimbursement Agreements prior to
December 3, 1999, on the one hand, and the provisions of the Restructuring
Agreement (including as amended by the provisions of

                                      -7-

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this Agreement), on the other hand, shall be governed by the provisions
of the Restructuring Agreement (including as amended by the provisions of this
Agreement).

         SECTION 5.9 Relationship between this Agreement and Participation
Agreement. Iowa State Bank's execution and delivery of this Agreement shall be
deemed to satisfy any consent requirement under any of the existing
participation agreements (the "Participation Agreements") between Iowa State
Bank and Northern. Except as provided in the preceding sentence, the provisions
of the Participation Agreement shall remain unchanged and any conflict between
the provisions of the Participation Agreement and the Restructuring Agreement
(including as amended by the provisions of this Agreement) shall be governed by
the provisions of the Participation Agreement.

         SECTION 5.10 Submission to Jurisdiction; Venue; Waiver of Right to Jury
Trial. THE BORROWER IRREVOCABLY AGREES THAT ALL SUITS, ACTIONS OR OTHER
PROCEEDINGS IN ANY WAY, MANNER OR RESPECT, ARISING OUT OF OR FROM OR RELATED TO
THIS AGREEMENT, THE RESTRUCTURING AGREEMENT (INCLUDING AS AMENDED BY THE
PROVISIONS OF THIS AGREEMENT), THE NOTES, THE LOAN DOCUMENTS OR ANY OTHER
DOCUMENT EXECUTED IN CONNECTION HEREWITH, SHALL BE SUBJECT TO LITIGATION IN
COURTS HAVING SITUS WITHIN CHICAGO, ILLINOIS. THE BORROWER HEREBY CONSENTS AND
SUBMITS TO THE JURISDICTION OF ANY LOCAL, STATE OR FEDERAL COURT LOCATED WITHIN
SAID CITY AND STATE. THE BORROWER HEREBY WAIVES ANY RIGHT IT MAY HAVE TO TRIAL
BY JURY, TO TRANSFER OR CHANGE THE VENUE OF ANY SUIT, ACTION OR OTHER PROCEEDING
BROUGHT AGAINST ANY PARTY IN ACCORDANCE WITH THIS SECTION, OR TO CLAIM THAT ANY
SUCH PROCEEDING HAS BEEN BROUGHT IN AN INCONVENIENT FORUM.

                                   * * * * * *

                                      -8-

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         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed by their respective officers thereunto duly authorized as of the day
and year first above written.

                              STOCKPOINT, INC., formerly known as
                              NEURAL APPLICATIONS CORPORATION

                              By: /s/ W.E. Staib
                                 -----------------------------------------------
                              Its: President
                                  ----------------------------------------------
                              Address: 2600 Crosspark Road
                                       Coralville, IA 52241

                                       Attention: William E. Staib
                                       Facsimile: 319/626-5001

                              THE NORTHERN TRUST COMPANY

                              By: /s/ David A. Gozdecki
                                  ----------------------------------------------
                              Its: Vice President
                                  ----------------------------------------------
                              Address: 50 South LaSalle Street
                                       Chicago, Illinois  60675
                                       Attention: David Gozdecki, Vice President
                                                  Credit Policy Division
                                       Facsimile: 312/630-6105
                                       Telephone: 312/444-5829

                              IOWA STATE BANK & TRUST

                              By: /s/ Kent L. Jehle
                                  ----------------------------------------------
                              Its: Senior Vice President
                                  ----------------------------------------------
                              Address: P.O. Box 1700
                                       Iowa City, IA 52244

                                       Attn: Kent L. Jehle
                                       Facsimile: 319/356-5844

                                      -9-<PAGE>   1
                                                              Exhibit 10.19

                  SETTLEMENT AGREEMENT AND GENERAL RELEASE

                  This Settlement Agreement and General Release (this
"Agreement") is made and entered into this third day of December, 1999, by
and between Robert B. Staib ("Staib"), a resident of the State of Iowa, and
Stockpoint, Inc., a Delaware corporation (the "Company").

                  WHEREAS, Staib was employed as Chief Executive Officer of
the Company until December 3, 1998 when he took a leave of absence, and
formally resigned his positions as an officer, director and employee of the
Company effective April 12, 1999;

                  WHEREAS, Staib claims entitlement to certain back pay,
vacation and severance benefits in connection with his employment
("Employment Related Compensation") as well as reimbursements for
expenditures on behalf of the Company ("Reimbursements");

                  WHEREAS, at various times beginning in November 1994,
Staib guaranteed certain bank lines and other debt obligations (the
"Loans") of the Company and was obligated to collateralize those guarantees
with certain marketable securities (the "Pledged Securities")

                  WHEREAS, in consideration of the guarantees and
collateralization by Staib of the Loans, the Company issued to Staib
warrants to purchase an aggregate of 500,000 shares of the Company's common
stock (the "Common Stock") at a price of $8.00 per share (the "$8.00
Warrants"), warrants to purchase an aggregate of 806,250 shares of the
Common Stock at a price of $4.00 per share (the "$4.00 Warrants" and
together with the $8.00 Warrants, the "Warrants"), and paid Staib guarantee
fees (the "Guarantee Fees");

                  WHEREAS, the Company now asserts that it has actionable
claims against Staib with respect to Pledged Securities and has alleged
that (a) the Pledged Securities did not in fact exist, and the Loans and
the Warrants were therefore falsely induced, (b) the Warrants are void for
lack of consideration, (c) the Company has been damaged by Staib's actions
by being unable to obtain additional funds under its Loans necessary to
fund its operations and by being forced to incur significant expense to
resolve disputes with its lenders and with Staib, and (d) the Company's
reputation in its community has been damaged by Staib's actions;

                  WHEREAS, the Company further alleges that it has no
obligation to honor any of the Warrants, that it is entitled to refund of
the Guarantee Fees, that it has fully paid and has no further obligation to
pay any further Employment Related Compensation to Staib, that it has paid
all Reimbursements and does not have proper documentation for further
Reimbursements and that it has no obligation to pay any sums to entities
now, or previously controlled by Staib;

                  WHEREAS, Staib denies the Company's allegations and
claims that the Company is obligated to pay the Employment Related
Compensation and the Reimbursements, to honor the Warrants, and to issue to
Staib $8.00 Warrants to purchase an additional 200,000 shares of Common
Stock;

<PAGE>   2

                  WHEREAS, Staib holds 246,000 shares of the Common Stock
and 1600 shares of the Company's Series B Preferred Stock (collectively,
the "Staib Shares");

                  WHEREAS, Staib and the Company desire to settle all
disputes related to the Loans, the Warrants, Reimbursements and to
determine the voting rights and disposition of the Staib Shares and shares
issuable upon exercise of the $4.00 Warrants and the $8.00 Warrants in
accordance with the terms and conditions set forth in this Agreement.

                  NOW, THEREFORE, in consideration of the foregoing
premises and the mutual covenants and agreements set forth in this
Agreement and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties agree as follows:

                  1. Resignation of Staib. Staib agrees and acknowledges
that he voluntarily terminated all services as an employee, officer and
director of the Company effective as of the date of his leave of absence
(December 3, 1998), confirmed such resignation on April 12, 1999, and does
not serve in any capacity as an officer, director or employee of the
Company and has not served in any such capacity since December 3, 1998.

                  2. Surrender and Cancellation of Warrants. Staib and the
Company hereby agree that, effective upon execution of this Agreement, (i)
all $8.00 Warrants, and (ii) $4.00 Warrants to purchase 306,250 shares of
Common Stock shall be and hereby are cancelled and shall be considered null
and void. In accordance therewith, Staib hereby agrees to surrender, and is
delivering and surrendering to the Company with this Agreement:

                  (a) Staib's $8.00 Warrant to purchase 500,000 shares of
         Common Stock as evidenced by that certain Warrant Agreement dated
         as of April 13, 1998;

                  (b) Staib's $4.00 Warrant to purchase 93,750 shares of
         Common Stock as evidenced by that certain Warrant to Purchase
         Common Stock of Neural Applications Corporation dated November 15,
         1994;

                  (c) Staib's $4.00 Warrant to purchase 78,125 shares of
         Common Stock as evidenced by that certain Warrant to Purchase
         Common Stock of Neural Applications Corporation dated May 16,
         1995;

                  (d) Staib's $4.00 Warrant to purchase 46,875 shares of
         Common Stock as evidenced by that certain Warrant to Purchase
         Common Stock of Neural Applications Corporation dated June 26,
         1995; and

                  (e) Staib's $4.00 Warrant to purchase 400,000 shares of
         the Company's Common Stock as evidenced by that certain Warrant To
         Purchase 400,000 Shares of Common Stock of Neural Applications
         Corporation dated February 27, 1996 (the "Warrant Agreement");
         provided, however, that the Company shall issue to Staib a new
         warrant (the "Replacement Warrant") to purchase 312,500 shares of
         the Company's

<PAGE>   3

         Common Stock at a purchase price of $4.00 per share having the
         same terms as the Warrant Agreement and representing the portion
         of the Warrant Agreement not cancelled in accordance with the
         foregoing.

         Staib further agrees and represents that all other rights of Staib
to receive warrants to purchase shares of the Common Stock, whether current
or prospective, in connection with Staib's personal guarantee of, or pledge
of assets as security for, or both, the obligations of the Company,
including, without limitation, any further right to receive $8.00 Warrants
to purchase 200,000 Shares, are hereby surrendered and cancelled. Staib
hereby represents and acknowledges that, after the transactions set forth
in this Section 2, Staib shall hold, subject to the terms of the Voting
Trust Agreement described in Section 5 (a) $4.00 Warrants to purchase an
aggregate of 500,000 shares of Common consisting solely of the Replacement
Warrant and that certain Warrant to Purchase Common Stock of Neural
Applications Corporation dated June 1, 1996 Stock (collectively, the
"Remaining Warrants") representing the right to purchase 187,500 shares of
Common Stock, and (b) the Staib Shares (the Staib Shares and such Remaining
Warrants being hereafter referred to as the "Remaining Equity Rights"), and
hereby further represents and agrees that he shall not hold, or have the
right to purchase, acquire or receive, any shares of Common Stock or equity
interest in the Company other than the Remaining Equity Rights. Staib
hereby agrees to indemnify and hold harmless the Company from and against
any claim from Staib, the trust (the "Trust") created by that certain
voting trust agreement of even date herewith in accordance with the Voting
Trust Agreement described in Section 5, or any direct or indirect
transferee or assignee of Staib, that relates to the ownership,
beneficially or of record, of any equity securities or rights to acquire
equity securities of the Company other than the Remaining Equity Rights.

                  3. Release of claim to Employment Related Compensation
and Reimbursements. Staib agrees that he is not now, and has never been,
entitled to any further Employment Related Compensation, including, without
limitation, any unpaid salary, bonuses, wages, vacation pay, disability
pay, severance pay, or other compensation of any kind. Staib hereby agrees
that the Company shall be, and hereby is, released and discharged from any
further obligation, liability or claim related to the Employment Related
Compensation.

                  4. Consideration. In consideration of the foregoing, the
Company agrees not to contest the validity, enforceability or ownership of
the Remaining Equity Rights and acknowledges, reaffirms and otherwise
agrees to honor all rights represented by the Remaining Equity Rights,
including the Remaining Warrants. The Company further agrees to pay to
Staib a total of $60,000 upon the earlier of June 30, 2001 or receipt of
the net proceeds from an initial public offering of the Company's stock (by
check delivered to Staib within 10 days of receipt of such net proceeds).

                  5. Voting Trust. Staib hereby agrees to execute a Voting
Trust Agreement in substantially the form of Exhibit A attached hereto and
to transfer to the trustee of such Voting Trust all of the Staib Shares,
and any shares ("Warrant Shares") issuable upon exercise of the Remaining
Warrants (so long as such Remaining Warrants are held, directly or
indirectly, by Staib). Concurrent with execution of this Agreement, Staib
agrees to deliver stock certificates

<PAGE>   4

evidencing the Staib Shares to the trustee and further agrees that stock
certificates evidencing shares issued upon the exercise of the Remaining
Warrants shall be issued in the name of the Voting Trustee.

                  6. Hold Harmless Agreements. Staib and the Company hereby
agree that the Company's obligation under that certain Indemnification and
Hold Harmless Agreement dated February 27, 1996 as amended by that certain
Amendment to Indemnification and Hold Harmless Agreement dated August 1,
1997 (as so amended, the "Hold Harmless Agreement") and that certain
Reimbursement and Subordination Agreement dated August 1, 1997 (the
"Reimbursement Agreement") to indemnify Staib, hold Staib harmless and
reimburse Staib for amounts that Staib is required to pay The Northern
Trust Bank shall apply only if and to the extent that the Company is in
default of the Company's obligations to pay principal and interest when due
to The Northern Trust Bank and shall not, in any event, include indemnity
or reimbursement of amounts arising out of breach of Staib's contractual
obligation to pledge collateral to secure such obligations. Staib agrees
that, in the event he is obligated to pay any amounts to The Northern Trust
Bank and, by virtue of such payment, is subrogated to the rights of The
Northern Trust Bank, he will not be entitled to any reimbursement from the
Company except to the extent that his subrogated interest would have been
payable under the terms of the debt obligations with The Northern Trust
Bank.

                  7. Transfer of Remaining Equity Rights. The Company and Staib
acknowledge that the Company intends to make a public offering of certain
Company stock (the "Potential Public Offering"). Staib and the Company agree
that such Potential Public Offering is in the mutual interest of both parties.
In order to facilitate the Potential Public Offering and as further
consideration for the settlement agreements set forth herein, Staib and the
Company have agreed that, during the term of this Agreement, Staib shall not
sell, offer to sell, hypothecate, pledge, dispose of or otherwise transfer the
Remaining Equity except as provided in this Section 7. The Company and Staib
acknowledge that voting trust certificates will be issued to Staib upon transfer
of the Staib Shares and any Warrant Shares to the Voting Trust ("Voting Trust
Certificates") and agree that such "Voting Trust Certificates shall be deemed to
be "Remaining Equity Rights" for purposes of this Section 7.

                  (a) Potential Public Offering. Staib and the Company
         acknowledge that Staib contemplates the sale of the Staib Shares
         to one or more underwriters (the "Underwriters") in the Potential
         Public Offering, which Underwriters would offer and sell the Staib
         Shares to the public. Staib and the Company further understand
         that it is contemplated that all or part of the Warrants will be
         exercised by Staib and the resulting Warrant Shares sold to the
         Underwriters, who would offer and sell such Warrant Shares to the
         Public. Staib agrees to negotiate and sign such reasonable and
         customary agreements as are necessary to facilitate such a sale on
         the same terms as shares are sold by the Company in such Potential
         Public Offering. Staib and the Company agree that the Shares and
         the Warrants may be delivered to a custodian for delivery and
         transfer to the Underwriters upon completion of such Potential
         Public Offering. In any event, Staib's agreement to negotiate the
         sale of a portion of his Remaining Equity Rights under this
         Subsection 7(a) shall only extend to the Staib Shares plus
         Warrants for 200,000 shares of

<PAGE>   5

         the Company's common stock and any additional Warrant Shares
         necessary, if at all, to bring the total consideration realized
         from such sale by Staib to at least $6,000,000. Nothing in this
         Section 7 shall create an obligation on behalf of the Company or
         any Underwriter to include any Staib Shares or Warrant Shares in a
         Potential Public Offering.

                  (b) Transfer to a Permitted Third Party. Staib shall have
         the right to transfer all or any part of the Remaining Equity
         Rights to a Permitted Third Party upon the Company's prior written
         consent, which consent shall not be unreasonably withheld.
         Withholding of the Company's consent shall not be deemed
         unreasonable if any Underwriter(s) has indicated in writing that
         such Underwriter intends in good faith to enter negotiations with
         Staib in a manner consistent with Subsection 7(a) and otherwise
         objects in writing to the transfer proposed by Staib. For purposes
         of this Section 7(b), the term "Permitted Third Party" means:

                           (1) "Permitted Third Party" means any Person
                  that is not (a) related to Staib by blood or by marriage,
                  (b) a Person owned or controlled by Staib, (c) an
                  Affiliate of any Person related to Staib by blood or by
                  marriage or owned or controlled by Staib or (d) a
                  creditor of Staib.

                           (2) "Person" means any individual, partnership,
                  joint venture, corporation, limited liability company,
                  trust, unincorporated organization or any other entity.

                           (3) "Affiliate" means any Person directly or
                  indirectly controlling, controlled by or under direct or
                  indirect common control with such other Person, through
                  the ownership of all or part of any Person; for purposes
                  of this definition, the term "control" (including the
                  terms "controlling", "controlled by" and "under direct or
                  indirect common control with") means the possession,
                  direct or indirect, of the power to (A) vote 50% or more
                  of the voting securities of such Person or (B) direct or
                  cause the direction of the management and policies of
                  such Person, whether by contract or otherwise.

                  (c) Transfer to Creditors. Staib shall have the right,
         without the prior written consent of the Company, to (i) pledge
         any Voting Trust Certificate or unexercised Warrant to one or more
         creditor(s) of Staib or (ii) transfer any Voting Trust Certificate
         or unexercised Warrant to a trust created to benefit all or part
         of Staib's creditor's.

                  (d) Notification. Notwithstanding any other provision of
         this Section 7, no transfer shall be made under this Section 7
         unless Staib complies with the provisions of this subsection 7(d)
         and Section 17 hereunder and the transferee of any Voting Trust
         Certificate or Warrant (or any trustee of any trust established in
         accordance with 7(c)) agrees to be bound by the Voting Trust
         Agreement (to the extent applicable thereto) and the provisions of
         Section 5, Section 7(a) and Section 7(e) of this Agreement, and
         provided further that such transfer is in compliance with federal
         and applicable state securities laws. Written notice of any
         transfers pursuant to this Section 7 shall be delivered to the
         Company, to the trustee of the Trust and to the other parties
         identified in

<PAGE>   6

         Section 17 hereof prior to the date of transfer. Staib shall
         provide the Company with all information reasonably requested by
         it to confirm that this Subsection 7(d) has been satisfied. The
         Company shall not unreasonably withhold the written consent
         required by the Voting Trust Agreement to any such transfer.

                  (e) Lockup. In connection with any Potential Public
         Offering, and except for transfers in accordance with Section 7(a)
         and 7(c), Staib agrees that he will not, without the prior written
         consent of the representative (the "Representative") of the
         Underwriters, sell, offer to sell, contract to sell, hypothecate,
         pledge, grant any option to sell or otherwise dispose of, or file
         (or participate in the filing of) a registration statement with
         the Securities and Exchange Commission (the "Commission") in
         respect of, or establish or increase a put equivalent position or
         liquidate or decrease a call equivalent position within the
         meaning of Section 16 of the Securities Exchange Act of 1934, as
         amended, and the rules and regulations of the Commission
         promulgated thereunder with respect to, any shares of capital
         stock of the Company or any securities convertible into or
         exercisable or exchangeable for such capital stock or any voting
         trust certificate representing beneficial or pecuniary interest in
         the same, including the Remaining Equity Rights, or publicly
         announce an intention to effect any such transaction, for a period
         of at least 180 days, and at the reasonable request of the
         Representative up to 365 days, after the date of execution of the
         underwriting agreement related to the Potential Public Offering.
         Staib agrees that the Representative shall be a third party
         beneficiary of this provision.

                  (f) Subject to Section 17, the provisions of this Section
         7 shall survive termination of this Agreement and until June 30,
         2002.

                  8. Proprietary Information. Staib acknowledges that
during his employment with the Company, he was exposed to and acquired
confidential, proprietary and trade secret information belonging to the
Company and the Company's customers ("Confidential Information"),
including, without limitation, designs, processes, formulae, plans, devices
and material, directly or indirectly, useful in any aspect of the Company's
business, past, current or anticipated products or services, customer and
supplier lists, development and research work, business strategies, plans
and proposals, financial, employee and personnel data and information and
purchasing, accounting, marketing, selling and services information. Staib
understands and agrees that such Confidential Information was disclosed to
him in confidence and for the sole benefit of the Company. Staib agrees
that beginning on the date of this Agreement he and any entity directly or
indirectly controlled by Staib will (i) diligently protect the
confidentiality of all Confidential Information; (ii) not disclose or
communicate any Confidential Information to any third party without the
consent of the Company; and (iii) not make use of Confidential Information
on his own behalf or on behalf of any third party. Staib agrees that any
unauthorized disclosure or use of such Confidential Information to or on
behalf of third parties would cause irreparable harm to the confidential
status of such information and to the Company, and, therefore, the Company
shall be entitled to an injunction prohibiting any such disclosure, use, or
threatened disclosure or use. The foregoing obligations of confidentiality
shall not apply to any

<PAGE>   7

knowledge or information that is now or subsequently becomes generally
publicly known, other than as a direct or indirect result of a breach of this
Agreement by Staib.

                  9.       Full Compromise and General Release.

                  (a) Staib agrees that the payment and acceptance of the
         consideration described in Sections 2, 3 and 4 hereof is in full,
         final, and complete compromise, settlement, and satisfaction of
         any and all claims relating directly or indirectly to (i) Staib's
         employment with the Company, (ii) Staib's resignation from
         employment with the Company, (iii) Staib's personal guarantee of,
         and pledge of personal assets as collateral for, any Loans, and
         (iv) any other claims of any nature whatsoever that Staib could
         have asserted against the Company or any of the "Released Parties"
         as that term is defined in Section 9(b) arising prior to the date
         of this Agreement; provided that nothing contained in this
         Agreement shall relieve the Company of its obligations under the
         Hold Harmless Agreements as amended by Section 6 of this
         Agreement.

                  (b) Staib, for and on behalf of himself and his heirs,
         administrators, executors, successors and assigns, agrees to, and
         hereby does, release, acquit, and forever discharge the Company
         and its affiliates, subsidiaries, and related companies, and the
         current and former directors, officers, members, agents,
         attorneys, servants, independent contractors and employees of the
         Company and all of its related entities (the "Released Parties"),
         from any and all claims, whether direct or indirect, fixed or
         contingent, known or unknown, which Staib ever had, has, or may
         claim to have, for, upon, or by reason of any matter, act or thing
         prior to the date of this Agreement, including, but not limited
         to, any cause of action Staib could have asserted in any
         litigation against any of the Released Parties, any cause of
         action or claim relating to Staib's association with or employment
         by the Company, and/or any cause of action or claim relating to
         Staib's decision to resign; provided that nothing contained in
         this Agreement shall relieve the Company of its obligations under
         the Hold Harmless Agreements as amended by Section 6 of this
         Agreement. The General Release of this Section 9 specifically
         encompasses, but is not limited to, claims that could be brought
         under Chapter 91A Code of Iowa (1999); Title VII of the Civil
         Rights Act, 42 U.S.C. ss. 2000e, et seq., as amended by the Civil
         Rights Act of 1991; the Age Discrimination in Employment Act, 29
         U.S.C. ss. 621 et seq. (the "Age Discrimination in Employment
         Act"); the Americans With Disabilities Act, 42 U.S.C. ss.ss.
         12101-12213; the Employee Retirement Income Security Act (ERISA),
         29 U.S.C. ss. 1001, et seq.; the Fair Labor Standards Act, 29
         U.S.C. ss. 201, et seq.; the National Labor Relations Act, 29
         U.S.C. ss. 151, et seq.; the Worker Adjustment Retraining and
         Notification Act, 29 U.S.C. ss. 2101, et seq.; and any other
         federal or state statute, or local ordinance, including any
         attorneys' fees, liquidated damages, punitive damages, costs or
         disbursements that could be awarded in connection with these or
         any other statutory claims. The release contained in this Section
         9(b) also specifically encompasses any and all claims grounded in
         contract or tort theories, including, but not limited to, breach
         of contract; tortious interference with contractual relations;
         promissory estoppel; breach of the implied covenant of good faith
         and fair dealing; breach of employee handbooks, manuals or other
         policies; wrongful discharge; wrongful discharge

<PAGE>   8

         in violation of public policy; assault; battery; fraud; false
         imprisonment; invasion of privacy; intentional or negligent
         misrepresentation; defamation, including libel and slander,
         discharge defamation and self-defamation; intentional or negligent
         infliction of emotional distress; negligence; breach of fiduciary
         duty; negligent hiring, retention or supervision; whistleblower
         claims; and/or any other contract or tort theory based on either
         intentional or negligent conduct of any kind, including any
         attorneys' fees, liquidated damages, punitive damages, costs or
         disbursements that could be awarded in connection with these or
         any other common law claims.

                  (c) The Company, for and on behalf of itself and its
         successors and assigns, agrees to, and hereby does, release,
         acquit, and forever discharge Staib, from any and all claims,
         whether direct or indirect, fixed or contingent, known or unknown,
         which the Company ever had, has, or may claim to have by reason of
         the issuance of the Warrants, the failure of the collateral
         relating to the Loans, the Guarantee Fees, any damages relating to
         its inability to obtain capital under the Loans or incurred in
         negotiating amendment of the documentation relating to the Loans
         or this Agreement, including attorney's fees and expenses and fees
         incurred or assessed by the Company's lenders either before or
         after the date of this Agreement; provided that nothing contained
         in this Agreement shall relieve the Staib of his obligations to
         the Creditors to guarantee and provide collateral with respect to
         the Loans and nothing in this Agreement shall be deemed to be a
         surrender of any defense available to the Company with respect to
         any obligation under the Hold Harmless Agreement or the
         Reimbursement Agreement.

                  10.      Right to Consider and Rescind.

                  (a) Right to Consider under the Age Discrimination in
         Employment Act. Staib understands that he has twenty-one (21) days
         to consider whether he should agree to release his claims, if any,
         under the Age Discrimination in Employment Act. Staib further
         understands, however, that he is not required to take the entire
         21-day period to decide whether he wishes to release his claims,
         if any, under the Age Discrimination in Employment Act, and that
         he may do so on an accelerated basis without prejudice to his own
         or the Company's rights under this Agreement.

                  (b) Right to Rescind or Revoke under the Age
         Discrimination in Employment Act. Staib understands that he has
         the right to rescind the release of his claims, if any, under the
         Age Discrimination in Employment Act, for any reason, within seven
         (7) days after he signs this Agreement. Staib understands that the
         release of his claims, if any, under the Age Discrimination in
         Employment Act, will not become effective or enforceable unless
         and until he executes this Agreement and the applicable rescission
         period has expired. Staib understands that if he wishes to
         rescind, the rescission must be in writing and must be
         hand-delivered or mailed to the Company. To be effective, such
         written notice must be delivered either by hand or by mail, to
         William McNally, Stockpoint, Inc., Oakdale Research Park, 2600
         Crosspark Road, Coralville, IA 52241-3212 (phone number:
         319-626-5000), within the 7-day period. If a notice of rescission
         is delivered by mail, it must be: (i) postmarked within the 7-day
         period,

<PAGE>   9

         (ii) properly addressed to William McNally at the above address
         and (iii) sent by certified mail, return receipt requested.

                  Staib understands that even if he elects to rescind his
         agreement to release his claims, if any, under the Age
         Discrimination in Employment Act, this rescission shall have no
         effect or consequence whatsoever on the release of any other
         claims Staib released pursuant to this Agreement, as set forth
         above. Staib further understands that, in the event Staib rescinds
         his agreement to release his claims, if any, under the Age
         Discrimination in Employment Act, the Company shall have no
         further obligation to pay any consideration under section 4 of
         this Agreement.

                  11. Confidentiality. The Company, and Staib, for himself
and on behalf of any entity that he controls, agree that it is the intent
of the parties to maintain the complete confidentiality of the terms of
this Agreement and the negotiations leading to this Agreement. Therefore,
the parties agree that they will not publicize, and will take all prudent
steps to ensure the confidentiality of, this Agreement. Notwithstanding the
terms of this Section 11, the parties shall be entitled to disclose the
terms of this Agreement to their respective lawyers, tax advisors,
accountants, immediate family, creditors, and as otherwise provided in
Section 17 or in connection with any legal or administrative proceeding of
any kind whatsoever if required by law or on the condition that those to
whom such disclosure is made also will be bound by the terms of this
Section 11, and the Company shall be entitled to disclose the terms of this
Agreement, or to file this Agreement, if required under applicable
securities laws in connection with the Potential Public Offering and to
disclose the terms of this Agreement to the Representative and the
underwriters of the Potential Public Offering as part of their due
diligence investigation. Nothing in this Section 11 shall prevent either
party from disclosing to anyone the warrants held by Staib upon execution
of this agreement and the terms related to such warrants under the
applicable warrant agreement, provided that any other information covered
by this Section 11, including the terms and conditions of this agreement
remain confidential.

                  12. Complete Agreement. This Agreement contains the
entire agreement between the parties with respect to the subject matter
contained herein. Staib hereby affirms that his rights to compensation
and/or benefits from the Company are specified exclusively and completely
in this Agreement. Any modification of, or addition to, this Agreement must
be in writing signed by Staib and by an authorized representative of the
Company.

                  13. Severability. Staib and the Company agree that should
any provision of this Agreement be held invalid or illegal, such illegality
shall not invalidate the whole of this Agreement, but rather, the Agreement
shall be construed as if it did not contain the illegal part, and the
rights and obligations of the parties shall be construed accordingly.

                  14. Effect on Successors. This Agreement is personal to
the parties and may not be assigned by Staib without the written agreement
of the Company. This Agreement shall be binding on the Company, its
successors and assigns.

<PAGE>   10

                  15. Governing Law. This Agreement shall be governed by,
and interpreted in accordance with, the laws of the State of Iowa.

                  16. Knowing and Voluntary Agreement. Staib agrees that he
has entered into this Agreement knowingly and voluntarily. Staib further
acknowledges that he has had the opportunity to be represented by counsel
in connection with the negotiation and preparation of this Agreement and
have any terms of this Agreement explained to him. Staib also acknowledges
that the Company has recommended that he consult legal counsel to assist
him in understanding all terms of this Agreement before executing this
Agreement. Staib further affirms that he understands the meaning of the
terms of this Agreement and their effect and agrees that the provisions set
forth in the Agreement are written in language understandable to Staib.

                  17. Notice to Certain Parties. The Company acknowledges
that Staib is obligated to provide notice to the United States Bankruptcy
Court for the Iowa District (the "Court") pursuant to bankruptcy proceeding
98-5481, the office of the United States Attorney for the Northern District
of Iowa located in Cedar Rapids, Iowa and to Guarantee Bank & Trust of the
surrender of Warrants and claims in this Agreement. Staib agrees to provide
notice of this Agreement immediately and to promptly provide any other
notice that is subsequently required to be given under this Agreement. In
the event that the Court objects to the terms of this Agreement or any
actions taken pursuant to this Agreement, this Agreement shall be null and
void ab initio and of no further force or effect on the parties but only to
the extent provided in Section 13; provided, however, that no objection of
the Court with respect to the execution of this Agreement shall be binding
on the parties if Staib fails within five business days of the date of this
Agreement to provide such notice.

                  18. Counterparts. This Agreement may be executed in
counterparts (including by facsimile signature), each of which shall be
deemed an original for all purposes and all of which shall be deemed,
collectively, one agreement, but in making proof hereof it shall not be
necessary to exhibit more than one such counterpart.

         IN WITNESS WHEREOF, the parties have executed this Agreement by
their signatures below.

Dated: December ____, 1999

                                _______________________________________
                                Robert Staib

                                STOCKPOINT, INC.

                                By ___________________________________

                                Its __________________________________

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