Document:

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                                                                Exhibit 10.3

                              JOINT VENTURE AGREEMENT

         This Joint Venture Agreement, hereinafter referred to as
"Agreement," is made by and between MEDICAL RISK MANAGEMENT ASSOCIATES, a
California company having its principle place of business at 4572 Delaware
Street, San Diego, California 92116, hereinafter referred to as "MRMA," and
ACCURATE ASSESSMENTS, INC., an Iowa corporation having its principle place of
business at 1823 Harney Street, Suite 101, Omaha, Nebraska 68102, hereinafter
referred to as "ACCURATE."

                                     RECITALS

         1.    The parties desire to conduct a business operation together,
               namely the development and sale, for profit, of a computer
               program designed to facilitate the performance and reporting
               of root cause analyses.

         2.    Each party is willing to invest money, time, and effort to
               finance and conduct the business operation.

         3.    MRMA is the author and owner of certain logic structure and
               corresponding data flow diagrams which define the process to
               be followed, and features to be possessed, by the proposed
               root cause analysis software product.

         4.    ACCURATE is a computer software developer and author of
               computer code currently used in the health care industry.

         WHEREFORE, for the reasons recited above, and in consideration of
the mutual covenants contained in this Agreement, the parties agree as
follows:

         1.    SCOPE AND DESCRIPTION. By this Agreement, the parties create a
               Joint Venture to develop and sell for profit a computer
               software program to facilitate the performance and reporting
               of root cause analyses. The Joint Venture shall be conducted
               under the name of Root Cause Analyst from a place of business
               at 1823 Harney Street, Suite 101, Omaha, Nebraska 68102.

         2.    CONTRIBUTIONS. MRMA grants to ACCURATE, for the term of this
               Agreement, the exclusive right to create a computer software
               program utilizing its root cause analysis logic structure and
               corresponding data flow diagrams. MRMA also will provide its
               knowledge and expertise of root cause analysis to the project
               and otherwise assist ACCURATE in producing and marketing the
               proposed software product for sale to, and use by, various
               entities within the health care and quality improvement
               industries. ACCURATE shall write, develop, mass product and
               package, technically support, market and sell the software
               program. In addition, ACCURATE shall collect all payments from
               sales, and distribute such proceeds, if any, in accordance
               with paragraph 4 of this agreement.

         3.    CONDUCT OF VENTURE. On or before 15 April 1999, ACCURATE shall
               deliver a prototype of the program to MRMA for review. MRMA
               shall review and offer any changes and/or

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               suggestions for the program within 14 days of receipt of the
               prototype. ACCURATE will provide a "demo" version of the
               completed and final product for marketing and sales purposes.
               The final, completed program shall be accompanied by a manual,
               which shall consist of an explanation of root cause analysis
               (to be drafted by MRMA) and technical support for the use of
               the program (to be drafted by ACCURATE). The completed program
               will be marketed by ACCURATE through its regular sales
               outlets, including but not limited to its website. In
               addition, MRMA agrees to establish a website through which it
               will advertise and market the program.

               Prior to or simultaneous with release of the product, MRMA
               will copyright said product in the name of both MRMA and
               ACCURATE in the United States, at MRMA's expense. ACCURATE
               will imprint on the packaging of each copy of the program and
               supporting manual the notice "Copyright 1999 by MRMA and
               ACCURATE." ACCURATE will have the unlimited right, at its
               discretion, to copyright and/or patent the program code for
               this product, at ACCURATE's expense. MRMA will similarly have
               the unlimited right, at its discretion, to copyright and/or
               patent the logic structure for this product, at MRMA's expense.

         4.    PROFITS OR LOSSES. Gross proceeds (less shipping costs) from
               the venture shall be divided among the parties equally (I.E.,
               50/50). Such proceeds shall be distributed monthly. The entire
               cost of this venture is at risk, with each party's share of
               that risk being constituted by its contribution to the project.

         5.    RESERVED RIGHTS. All rights to MRMA's logic structure and
               corresponding data flow diagrams now existing or that may
               hereinafter come into existence are reserved to MRMA for its
               exclusive use at all times. Correspondingly, all rights to
               ACCURATE's computer code now existing or that may hereinafter
               come into existence, including that which is developed for
               this specific program, are reserved to ACCURATE for its
               exclusive use at all times.

         6.    TERMS AND TERMINATION. This Agreement shall be binding for an
               initial term of two (2) years from the date of execution, and
               thereafter until one party gives to the other three (3) months
               written notice of intent to terminate the venture. In
               addition, if the program is not ready for marketing and sale
               by 1 June 1999, then either party may terminate this Agreement
               upon thirty (30) days written notice to the other party. In
               such an eventuality, MRMA is precluded from using any code
               developed by ACCURATE, and similarly, ACCURATE is precluded
               from using any logic structure developed by MRMA. Upon
               termination of this Agreement, all sales of the program on
               behalf of the joint venture shall cease and the Joint Venture
               shall be wound up in accordance with applicable law.

               During the term of this Agreement, neither party may create,
               market or sell a computer software program that would, or
               reasonably could be considered to, compete with the program
               that is the subject of this Joint Venture. Notwithstanding the
               above, nothing contained in herein shall be construed to
               prevent either party from developing and selling the program
               or a similar program after termination of this Agreement, nor
               shall this Agreement be interpreted to create a covenant not
               to compete with respect to either party following such
               termination of the Joint Venture.

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               The parties agree that nothing in this Agreement shall prevent
               either party from selling the program for a period of two
               years following termination of the Agreement, after which
               sales of this product must cease. Gross proceeds (less
               shipping costs) from sales during this two year period will
               continue to be divided equally between the two parties as set
               forth in paragraph 4, above. For such sales, each party will
               maintain their respective responsibilities as set forth in
               paragraph 2, above. Neither party is restrained or restricted
               from developing competing product(s) during this two-year
               post-termination period, but marketing and/or sales of such
               competing product(s) may not begin until one year before the
               end of this two-year period.

               In the event of Joint Venture termination, both parties will
               be bound by the terms of paragraph 13, below.

               The product name, "Root Cause Analyst," is the property of the
               Joint Venture, and as such may not be used as a product name
               by either party after termination of the Joint Venture.

         7.    AUTHORITY TO ENTER INTO AGREEMENT. ACCURATE covenants that the
               party executing this Agreement on behalf of ACCURATE has full
               authority to exercise the same and to bind ACCURATE
               ASSESSMENTS, INC. to this Agreement.

               Similarly, MRMA covenants that the party executing this
               Agreement on behalf of MEDICAL RISK MANAGEMENT ASSOCIATES has
               full authority to exercise the same and to bind MEDICAL RISK
               MANAGEMENT ASSOCIATES to this Agreement.

         8.    INDEMNIFICATION. ACCURATE does hereby indemnify and shall hold
               harmless from and against all debts, claims, actions, or
               causes of action, losses, damages and attorneys' fees, now
               existing or that may hereinafter arise from or grow out of
               ACCURATE's past operation and ownership of its business, as
               well as its current operation and ownership of that part of
               its business that does not directly involve the subject of the
               Joint Venture defined by this Agreement, either directly or
               indirectly.

               MRMA does hereby indemnify and shall hold harmless from and
               against all debts, claims, actions, or causes of action,
               losses, damages and attorneys' fees, now existing or that may
               hereinafter arise from or grow out of MRMA's past operation
               and ownership of its business, as well as its current
               operation and ownership of that part of its business that does
               not directly involve the subject of the Joint Venture defined
               by this Agreement, either directly or indirectly.

         9.    ASSIGNMENT. Neither party shall have right to assign or
               transfer this Agreement, nor any rights hereunder in the Joint
               Venture, to any person or entity without the express written
               consent of the other party. Any transfer or assignment made
               without the consent of the other party shall not relieve the
               transferor or assignor of its duties or obligations under this
               Agreement. Any assignment validly made hereunder shall be
               binding upon and inure to the benefit of the parties hereto,
               their respective assigns, heirs and personal representatives.

                                                                   Page 3 of 7

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        10.    NOTICES. All notices, requests and communication under this
               Agreement shall be given in writing by (a) personal delivery
               (confirmed by the carrier delivery service), (b) telegram
               or telefax confirmed in writing by mail, or (c) first-class
               registered or certified mail, postage pre-paid, return receipt
               requested to the individuals and addressed as indicated below:

                    If to ACCURATE:
                                   ACCURATE ASSESSMENTS, INC.
                                   c/o William C. Allan
                                   1823 Harney Street, Suite 101
                                   Omaha, NE 68102
                                   Phone:  (402)341-8880
                                   Fax:    (402) 341-7966

                                   Thomas D. Waldman, Esq.
                                   Polk & Waldman
                                   1823 Harney Street, Suite 300
                                   Omaha, NE 68102
                                   Phone:   (402) 346-1100
                                   Fax:     (402) 346-1199

                    If to MRMA:
                                   MEDICAL RISK MANAGEMENT ASSOCIATES
                                   4572 Delaware Street
                                   San Diego, CA 92116
                                   Phone:   (619) 294-2823
                                   Fax:     (619) 294-2436

        11.    CONFIDENTIALITY. ACCURATE and MRMA understand and agree that
               neither party may disclose to any third party, any information
               about the business of the other, without the express written
               permission of the other.

        12.    TITLE TO PROPERTY. All legal title to property acquired by the
               Joint Venture, whether real or personal, shall be taken in the
               name of the party which acquired same, to be held for the
               interest of the Joint Venture, and retained in the name of the
               acquiring party upon termination of this Agreement.

        13.    RECORDS AND ACCOUNTING. ACCURATE and MRMA shall maintain or
               cause to be maintained a complete set of records, statements
               and accounts concerning the total operation of the Joint
               Venture, in which books shall be entered, fully and
               accurately, each transaction pertaining to the venture. All
               the books will be open at all times for inspection and
               examination by each party and/or each party's respective agent.

        14.    OTHER BUSINESS INTERESTS. Each party may have other business
               interests and may engage in any other business or trade,
               profession or employment whatsoever, on its or his own
               account, or in partnership with or as an employee of or as an
               officer, director or

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               stockholder of any other person, form or corporation, and neither
               party shall be required to devote its or his or her entire
               time to the business of the Joint Venture.

        15.    ENTIRE AGREEMENT. ACCURATE and MRMA understand and agree that
               this document constitutes the entire Agreement between them
               regarding the development and sale of the computer program
               concerning root cause analysis. Any changes, alterations,
               extension or deletions shall be in writing and executed by
               both parties in order to be effective. This Agreement may be
               executed in multiple copies, each of which shall be deemed to
               be an original for all purposes.

        16.    GOVERNING LAW. This Agreement shall be governed by and
               construed in accordance with the laws of the State of Nebraska.

        17.    DISPUTE RESOLUTION. In the event of any dispute, difference or
               question arising between the parties in connection with this
               Agreement, the construction thereof, or the rights, duties or
               liabilities of either party, the matter of differences shall
               be settled by meaningful face-to-face discussions between the
               parties or, if not so settled, by non-binding mediation in
               Denver, Colorado, or other mutually acceptable city
               approximately halfway between Omaha, Nebraska and San Diego,
               California, lasting no more than one half day or, if not
               settled, by binding arbitration in Denver, Colorado, or other
               mutually acceptable city approximately halfway between Omaha,
               Nebraska and San Diego, California, location to be determined
               at mediation, by a single arbitrator nominated and agreed upon
               by both parties. If the parties cannot agree upon the identity
               of the single arbitrator within one (1) month after the first
               demand for arbitration has been made, an arbitrator shall be
               randomly selected from any recognized list of arbitrators. Any
               arbitrator shall agree to serve with full powers to compel the
               production of documents and things and the attendance of
               witnesses, to conduct a hearing lasting no more than two days
               within one month of appointment, and to render a written
               decision with an opinion within two weeks of the hearing, with
               the sole purpose of achieving a speedy, just and inexpensive
               conclusion. A court having jurisdiction over the parties may
               enter judgement on the award and may issue exception thereof.
               All costs of said mediation and arbitration shall be borne
               equally by the parties hereto.

         In witness whereof, the parties execute this Agreement on this 16th
day of December 1998.

         ACCURATE ASSESSMENTS, INC.

               BY:         /s/ William C. Allan
                        -----------------------

               ITS:            CEO
                        -----------------------

               DATE:       12/16/98
                        -----------------------

               ATTEST:  /s/ Constance C. Allan
                        -----------------------

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         MEDICAL RISK MANAGEMENT ASSOCIATES

               BY:         /s/ Kenneth A. Hirsh          /s/ Dennis Wallace
                        -----------------------        ----------------------

               ITS:        Partner                       Partner
                        -----------------------        ----------------------

               DATE:       12/22/98                      12/22/98
                        -----------------------        ----------------------

               ATTEST:  /s/ Illegible                    /s/ Illegible
                        -----------------------        ----------------------

STATE OF NEBRASKA  )
                   ) SS.
COUNTY OF          )

         The foregoing instrument was acknowledged before me on December
17th, 1998 by William C. Allan of Accurate Assessments, Inc., a Nebraska
corporation, on behalf of that corporation.

GENERAL NOTARY                                   /s/ Lorra Q. Taitague
STATE OF NEBRASKA                             ------------------------------
LORRA Q. TAITAGUE                                Notary Public
My Comm. Exp. April 1, 2001

[SEAL]

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                                                                  Exhibit 10.4

                          DISTRIBUTION AGREEMENT

         THIS DISTRIBUTION AGREEMENT (this "Agreement") is made and entered
into this 26th day of May, 1999, by and between Synergistic Office Solutions,
Inc. ("SOS"), a Florida Corporation, whose principal office is at 17445 East
Apshawa Road, Clermont, FL 34711; and Accurate Assessments, Inc., an Iowa
Corporation, whose principal office is at 1823 Harney Street, Suite 101,
Omaha, NE 68102 ("Distributor").

WITNESSETH:

         Whereas, Synergistic Office Solutions, Inc., licenses or has rights
to the Products and Services further defined in this Agreement and wishes to
distribute such Products and Services through Distributor pursuant to the
terms and conditions of this Agreement; and

         Whereas, Distributor intends to actively market in the Marketing
Area the Products and Services referred to in this Agreement subject to the
terms and conditions hereof.

         Now, therefore, the parties agree as follows.

1.       DEFINITIONS.

         1.1 "LICENSED SOFTWARE" shall mean the software packages and
Products and Services described in Attachment 1.

         1.2. "MARKS" shall have the meaning set forth in Section 4.2.

         1.3. "LICENSEE" shall mean the party granted the license to use the
Licensed Software and any Products and Services.

         1.4. "LICENSE AGREEMENT" shall mean the agreement between SOS and
Licensees providing the terms and conditions upon which the Licensed Software
and any Products and Services will be provided to Licensee.

         1.5. "TAX" shall have the meaning set forth in Section 3.3.

2.       PROVISION OF PRODUCTS AND SERVICES.

         2.1. PRODUCTS AND SERVICES. SOS shall provide to Distributor the
Licensed Software described herein subject to the terms and conditions of
this Agreement. Distributor is authorized to market, license, sell and
distribute the Licensed Software according to the terms, conditions and
subject to any limitations set forth in this Agreement.

3.       REPORTING, PRICING AND PAYMENT.

         3.1. REPORTS AND COOPERATION. Distributor recognizes that the
quality of SOS's Licensed Software, SOS's ability to maintain the Licensed
Software and the maintenance of SOS's proprietary rights may require prompt
and complete reports from Distributor. Therefore, Distributor agrees to
maintain full, clear and accurate records with respect to each and every copy
of the Licensed Software distributed by Distributor, each license granted,
each License Agreement executed, and all receipts from installation,
maintenance and support of the System and all other revenues related thereto.
Distributor further agrees to cooperate fully with SOS should a dispute
arise with a Licensee or another entity regarding the sale, distribution or
maintenance and support of the Licensed Software.

         On or before the 15th of each month, Distributor shall remit to SOS the
appropriate payments for the Licensed Software sold by Distributor during the
previous month. Failure of Distributor to remit payment to SOS by the 15th of
each month shall be considered a material breach of this Agreement. Overdue
payments (i.e., any payments not made by the 15th of each month)

<PAGE>

shall be subject to a late payment charge at the rate of 1.5% per 30 days of
delinquency or fraction thereof, provided that if such late payment charge
exceeds the maximum permitted by law for such charges, such charge shall be
reduced to the maximum amount.

         3.2. PAYMENT. Distributor agrees that it is obligated to remit to
SOS the amount described in Section 5.3. Distributor shall timely pay to SOS,
in U.S. Dollars, the amounts owed SOS or such Licensed Software.

         3.3. TAXES. Distributor shall pay directly all income, franchise,
sales, use, personal property, ad valorem, value added, stamp or other taxes,
levies, customs duties or other imposts or fees, including withheld taxes
(except only a tax levied by the United States of America or the State of
Nebraska based on the net income of SOS) together with all penalties, fines
and interest thereon that in any way arise out of this Agreement, whether on
or measured by the price, the charges, the programs or the services
furnished, or their use, however designed, levied or based (hereinafter
collectively called "Tax").

         Distributor shall pay on SOS's behalf any Tax levied upon SOS and
reimburse SOS for any Tax paid by SOS. This clause shall apply during and
after termination of this Agreement whenever SOS must pay and/or collect the
Tax from Distributor according to the applicable law, as interpreted by the
revenue authorities of the taxing unit. SOS's right to reimbursement under
this clause shall accrue as of the date SOS actually pays such Tax or such
Tax is withheld.

4.       OBLIGATIONS AND RIGHTS OF DISTRIBUTOR AND SOS.

         4.1. SALES. Distributor will actively market, promote, license and
sell the Licensed Software through a knowledgeable sales support staff of the
Distributor. Distributor shall participate in or attend trade shows, shall
conduct marketing seminars, distribute catalogs or newsletters, or shall
perform such other activities to actively market, promote, sell and
distribute the Licensed Software.

         4.2. MARKS. Subject to the terms and conditions set forth below, SOS
grants to Distributor a non-exclusive license to use its trademarks,
servicemarks, trade names and logos (the "Marks") in material used to market,
promote, license and sell the Licensed Software. With respect to
Distributor's use of the Marks, Distributor shall: (i) obtain SOS's written
approval before using the Marks in any material not provided by SOS; (ii)
clearly identify SOS as the owner of the Marks; (iii) conform to SOS's then
current Mark guidelines; (iv) otherwise comply with any local notice or
marking requirements; and (v) not use the Marks in any material other than
material approved by SOS under this Agreement.

         4.3. USE OF OTHERS. Distributor may solicit orders directly or
through subcontractors or agents. Distributor shall be responsible for its
employees', subcontractors' or agents' acts or omissions in performing
marketing services and for the payment of amounts owed (if any) to its
employees, subcontractors, or agents, as may be appropriate.

         4.4. NO REPRESENTATIONS OR WARRANTIES.  DISTRIBUTOR SHALL MAKE NO
REPRESENTATIONS OR WARRANTIES TO ANYONE ABOUT THE LICENSED SOFTWARE EXCEPT AS
MAY BE SET FORTH IN THIS AGREEMENT OR AS OTHERWISE EXPRESSLY APPROVED IN
WRITING BY SOS.

         4.5. HOLD HARMLESS. Distributor shall hold harmless and indemnify and
keep SOS fully and effectively indemnified against any and all loss, damage,
claim, expense or liability (including reasonable attorneys' fees and costs)
arising from (i) any negligent act, gross misconduct, wilful act, omission or
misconduct of Distributor, or its employees, agents or subcontractors, (ii)
any breach by Distributor of any term or condition of this Agreement, and
(iii) any claim made by Licensees.

         4.6. USE OF LICENSED SOFTWARE AND AGREEMENT TERMS.  Distributor
agrees that the use of Licensed Software by Licensees shall be pursuant to
applicable documentation provided by SOS unless otherwise specified herein.
Supplemental instructions and procedures may be provided from time to time by
SOS to Distributor by written materials or electronic messages. Distributor
agrees that it will advise Licensees of the terms and conditions applicable
to the Licensed Software and the Products and Services through the execution
of a License Agreement to be provided by SOS.

                                      Page 2

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         4.7. REPORTING. Distributor has sole responsibility for the billing
and collection of all amounts owed to it through Distributor's sale of the
Licensed Software.

         4.8. DISTRIBUTION OF MATERIALS. Distributor shall distribute to the
Licensees that have purchased Licensed Software through Distributor all SOS
information supplied to Distributor by SOS for distribution to Licensees.

         4.9 OWNERSHIP OF MARKETING MATERIALS. In connection with
Distributor's rights and obligations herein, Distributor may create, obtain
or otherwise procure certain marketing materials for the sale of the Licensed
Software. Distributor hereby assigns all right, title and interest in all
such marketing materials to SOS, provided however that Distributor shall have
a royalty free license to use and license such marketing materials during the
term of this Agreement. Distributor also shall promptly disclose all such
marketing materials to SOS.

         4.10. HELPLINE. SOS shall provide a helpline staffed by experienced
technical personnel. The hours for the helpline shall be 9:00 a.m. to 6:00
p.m. CST Monday through Thursday, and 9:00 a.m. to 5:00 p.m. on Friday. This
service is designed to handle technical operations issues and questions. The
first year of helpline service shall be included as part of the purchase
price of the Licensed Software. Subsequent helpline support can be purchased
from SOS in accordance with Attachment 1.

         4.11. TRAINING. For the fees set forth in Attachment 1, SOS shall
provide instruction and training to Distributor or Licensees regarding the
use of the Licensed Software. All training shall be conducted in accordance
with then current documentation, instruction and training policies of SOS and
in the English language.

         4.12. CONFIDENTIALITY OF DISTRIBUTOR FILES. In accordance with the
provisions of Section 9, Confidentiality, the information or data in
Distributor's Licensee files shall be deemed "Confidential" whether or not
marked as such. Such information or data may not be disclosed by Distributor
or third parties without the express written consent of SOS.

         4.13. SOFTWARE CUSTOMIZATION. SOS will provide all software
modifications and shall be solely responsible for bidding any such work to
Licensees. Any cost associated therein shall be billed directly by SOS to
Licensee in accordance with Attachment 1.

5.       70/30 DROP SHIP.

         5.1. ORDERS. All written orders communicated to SOS by Distributor
will become a part of this Agreement when accepted in writing by SOS. SOS
shall provide order forms and may, at its sole discretion accept orders
either through electronic or facsimile transmission. Distributor is
financially responsible for any order communicated to SOS, whether written or
electronically transmitted to SOS, using an assigned identification code.
Except as otherwise provided in this Agreement, terms and conditions which
are not accepted in writing by the parties shall not be considered a part of
this Agreement.

         5.2. DELIVERY. SOS shall, upon acceptance of an order in accordance
with Section 5.1, deliver the Licensed Software to the Licensee in accordance
with the terms and conditions of this Agreement.

         5.3. PRICING. SOS has provided and may revise the retail pricing for
the Licensed Software, set forth on Attachment 1 or documentation relating to
the Licensed Software upon thirty (30) days' advance electronic and/or
written notice to Distributor. Distributor shall remit 70% of the retail
price of the Licensed Software in accordance with the schedule set forth in
Attachment 1 by the fifteenth day of each calendar month for the prior
month's sales of Licensed Software.

6.       TERM. The term of this Agreement commences on the date first set
forth above and shall terminate one year thereafter. After the expiration of
the initial term of the Agreement, the Agreement shall automatically renew
for additional twelve (12) month terms unless terminated or canceled by
either party as set for in Section 7 of this Agreement.

                             Page 3

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7.       TERMINATION.

         7.1. TERMINATION. Upon any material default by a party under this
Agreement, the other party may terminate this Agreement by giving not less
than thirty (30) days' prior written notice to the defaulting party;
provided, however, the defaulting party shall have the right to cure such
default within such thirty (30) day period. If not cured within such thirty
(30) day period, the Agreement shall terminate upon the expiration of such
thirty (30) day period. In addition to and notwithstanding for foregoing,
(i) if Distributor fails to pay any amount when due, then SOS may, at its
sole option, terminate this Agreement upon providing twenty-four (24) hours
prior written notice to Distributor and/or exercise any other rights provided
under this Agreement or available at law or in equity; and (ii) either party
may terminate this Agreement with 30 days' prior written notice to the other
party.

         7.2 UNLAWFUL USE. If Distributor should use the Licensed Software
for an unlawful purpose or in an unlawfull manner, then SOS may terminate this
Agreement immediately. If the provision of the Licensed Software shall become
unlawful, then this Agreement shall terminate automatically and immediately.

         7.3 LIABILITY UPON TERMINATION. Upon termination for any reason,
Distributor shall be liable for any charges incurred prior to termination and
shall pay such charges within five (5) days of termination.

8.       TITLE TO AND USE OF INFORMATION.

         8.1. TITLE. Title to the Licensed Software and all patents,
copyrights, trademarks, design rights, trade secrets, moral rights and other
proprietary rights in or related to the Licensed Software are and will remain
the exclusive property of SOS, whether or not specifically recognized or
perfected under the laws of the country where the Licensed Software is used.
Distributor will not take any action that jeopardizes such proprietary
rights, nor will it acquire any right in the Licensed Software without the
express written consent of SOS, nor will Distributor perform any reverse
engineering of the Licensed Software.

         8.2. USE OF INFORMATION. All information furnished under this
Agreement (i) shall be used only in connection with this Agreement; (ii)
shall not be reproduced or copied, in whole or in part, except as necessary
for use as authorized under this Agreement; and (iii) shall, together with
any copies, be returned or destroyed when no longer needed or authorized for
use or upon termination of this Agreement.

9.       CONFIDENTIALITY. Both parties to this Agreement shall retain in
confidence and not disclose to any third party all information (whether in
tangible form or stored electronically or in magnetic media) of a party
designated as "Confidential" or "Proprietary" disclosed to it by the other
party to this Agreement, except where the party receiving such disclosures
can establish that:

         a) such information was known to the receiving party prior to its
disclosure by the other; or

         b) such information was known to the public prior to its disclosure
to the receiving party, or has become known to the public through no fault of
the receiving party; or

         c) such information was subsequently disclosed to the receiving party
by a third party having a lawful right to make such disclosure without
limitation or disclosure; or

         d) such information was required to be disclosed pursuant to any law
or regulation, or by any court, agency or other tribunal of competent
jurisdiction.

         The obligations of nondisclosure under this Section 9 shall begin on
the date hereof and shall continue for a period of five (5) years following
termination of this Agreement.

                               Page 4

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10.      WARRANTIES.

         10.1. WARRANTY. SOS warrants that the Licensed Software will perform
as described in the documentation provided to Distributor describing the
Licensed Software. SOS does not warrant that the Licensed Software or
associated support facilities will be uninterrupted or error free. If, within
forty-five (45) days of delivery of the Licensed Software to the Licensee,
the Licensee determines that the Licensed Software does not meet its needs
and requirements or does not perform as warranted, then the Licensee may
terminate its licensed agreement by returning the Licensed Software to
Distributor or SOS. If the Licensed Software is returned, then SOS will
provide a refund or credit for any charges paid to SOS for the returned
Licensed Software. The refund or credit will be made by SOS to Distributor,
who shall then provide a refund or credit to the Licensee.

         10.2. NO WARRANTIES OR REPRESENTATIONS. EXCEPT AS SPECIFICALLY MADE
HEREIN, SOS MAKES NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, AND
DISCLAIMS ANY WARRANTY OR MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
AS TO THE LICENSED SOFTWARE AND ASSOCIATED SUPPORT FACILITIES WHICH WILL BE
PROVIDED TO DISTRIBUTOR AND ITS LICENSEES BY SOS UNDER THIS AGREEMENT OR AS
TO THE USE OF THE SAME IN CONJUNCTION WITH EQUIPMENT, PROGRAMS OR OTHER
MATERIALS PROVIDED BY DISTRIBUTOR OR A THIRD PARTY.

         10.3. NO RESPONSIBILITY. SOS shall not be responsible for (i)
actions of persons or parties other than SOS's employees, agents, or persons
or parties under the direction or control of SOS's personnel; (ii) the
failure by Distributor or any of its customers to follow SOS's instructions;
(iii) failure of products to maintained by SOS; or (iv) acts or events beyond
SOS's control.

11.      ASSIGNMENT. This Agreement may not be assigned in whole or in part
by either party without the prior written approval of the other party, which
shall not be unreasonably withheld; provided, however, SOS may assign this
Agreement to any present or future affiliate or subsidiary or assign its
right to receive payment hereunder without such consent.

12.      INFRINGEMENT CURE. In the event the Licensed Software become the
subject of a claim for patent or copyright infringement or other infringement
of proprietary rights, whether such claim is asserted against SOS or
Distributor or any Licensee, SOS may (i) at its cost, procure for Distributor
the right to continue using the Licensed Software; or (ii) modify the
Licensed Software so as to make them non-infringing. If SOS, in its sole
discretion, determines that it is not reasonably able to procure such rights
or so modify the Licensed Software or otherwise secure to Distributor on
reasonable terms the right to continue using the Licensed Software, then
Distributor agrees to cease using the Licensed Software subject to the
infringement and SOS shall refund to Distributor any fees paid for
undelivered Licensed Software. SOS shall have no obligation to Distributor
under any provision of this paragraph with respect to any claim based on the
use of the Licensed Software in combination with equipment, devices or
software not supplied by SOS or upon the use of the Licensed Software in a
manner which is inconsistent with the specifications or documentation
provided by SOS. The foregoing states the sole and exclusive liability of
SOS for infringement of any kind and is in lieu of all warranties, express or
implied, in regard hereto.

         THE SECTION 12 STATES THE ENTIRE AND EXCLUSIVE OBLIGATION OF SOS TO
DISTRIBUTOR AND ITS LICENSEES RELATING TO SOS'S LICENSED SOFTWARE WITH
RESPECT TO ANY ACTUAL OR ALLEGED INFRINGEMENT OF PATENTS, COPYRIGHTS OR OTHER
PROPRIETARY RIGHTS OF THIRD PARTIES BY THE LICENSED SOFTWARE OR ANY PART
THEREOF.

13.      MAJEURE. Neither party shall be liable for delays in performance of
this Agreement caused by acts of God, government restrictions or
interference, strikes or other labor disputes, fires, power outages,
communications failures, or for any other cause, to the extent that any such
causes are beyond its reasonable control; provided, however, that if such
delay shall continue for thirty (30) days, then either party may terminate
this Agreement upon thirty (30) days' written notice to the other party. If
the non-performing party performs within said thirty (30) day period, then
this Agreement shall continue in full force and effect as though no such
notice had been given. In no event shall failure to timely pay amounts owed
be excused.

                                    Page 5

<PAGE>

14.      INDEPENDENT CONTRACTOR. In connection with this Agreement, each party
is an independent contractor and as such will not have any authority to bind
or commit the other party except as provided hereunder.  Nothing herein shall
be deemed or construed to create a joint venture, partnership or agency
relationship between the parties for any purpose.

15.      SUBCONTRACTING. SOS may subcontract any or all of the work to be
performed by it under this Agreement, but shall retain responsibility for the
work subcontracted.

16.      LIMITATION OF LIABILITY.

         16.1 LIMITATIONS. SOS's liability for damages, costs or losses of
any type for any claim or cause of action whatsoever, including, without
limitation, claims of infringement of proprietary rights, shall not exceed an
amount equal to five (5) times the average amount of fees paid to and
received by SOS each month during the term of this Agreement.

         16.2 NO LIABILITY. SOS shall have no liability to Distributor for
damages caused by acts or events beyond SOS's control. In addition, SOS shall
have no liability for information or advice supplied by third-party vendors.

        16.3 OTHER DAMAGES. NEITHER PARTY SHALL BE LIABLE FOR INCIDENTAL,
INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES OR FOR LOST PROFITS, SAVINGS OR
REVENUES OF ANY KIND, WHETHER OR NOT THE PARTY HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES.

        16.4 UNAVAILABILITY. SOS shall not be liable for any damages arising
from the unavailability of the Licensed Software. Distributor agrees to
advise its customers of the fact that use of the Licensed Software may be
interrupted from time to time. Distributor agrees to indemnify and hold SOS
harmless from any loss, damage, claim, expense or liability (including
reasonable attorneys' fees and costs) arising from claims made by
Distributor's customers due to the unavailability of the Licensed Software.

17.      GENERAL.

         17.1 MODIFICATIONS. This Agreement may be supplemented or modified;
however, any supplement, modification or waiver of any provision of this
Agreement or any Attachment to this Agreement must be in writing and signed
by authorized representatives of both parties.

         17.2 SEVERABILITY. If any portion of this Agreement is found to be
invalid or unenforceable, the parties agree that such provisions shall be
enforced to the greatest extent permitted by law and the remaining portions
shall remain in effect. The parties further agree that in the event such
invalid or unenforceable portion is an essential part of this Agreement, they
will immediately begin good faith negotiations for a replacement.

         17.3 NO WAIVER. If either party fails to enforce any right or remedy
available to it under this Agreement, such failure shall not be construed as
a waiver of any right or remedy with respect to any other breach or failure
by the other party.

         17.4 LIMITATION OF ACTIONS. Any legal action brought against SOS
with respect to this Agreement or with respect to any Licensed Software
contracted for or furnished under this Agreement must begin within two (2)
years from the date the cause of action arises.

         17.5 HEADINGS. The section headings in this Agreement are inserted
for convenience only and are not intended to affect the meaning or
interpretation of this Agreement.

         17.6 GOVERNING LAW. This Agreement and all matters arising out of or
relating to this Agreement shall be governed by the laws of the State of
Nebraska and shall be deemed to be executed in and the Licensed Software
performed from Omaha, Nebraska. The parties agree that any legal action or
proceeding relating to this Agreement shall be instituted in the state or
federal courts in Omaha, Nebraska. The parties agree to submit to the
jurisdiction of, and agree that venue is proper in, the foregoing courts in
any legal action or proceeding.

                                     Page 6

<PAGE>

         17.7 SURVIVAL OF TERMS. The respective obligations of Distributor
and SOS hereunder which by their nature would continue beyond termination or
expiration hereof, including, but not limited to, (i) obligations of
confidentiality, (ii) limitations of liability, (iii) indemnity obligations,
(iv) Section 17.4, and (v) Section 17.6, shall survive the termination or
expiration of this Agreement.

         17.8 AUTHORIZATION. Each party represents and warrants that it has
the power and authority to execute this Agreement and that the individual
signing this Agreement is authorized to do so. The parties further represent
and warrant that upon execution of this Agreement, it shall be a valid and
binding agreement between the parties enforceable in accordance with its
terms.

         17.9 ENTIRE AGREEMENT. This Agreement, the Attachment(s) made a part
hereof, and the documentation for the Licensed Software constitute the entire
Agreement between the parties with respect to the Licensed Software provided
hereunder and they supersede all prior or contemporaneous agreements,
proposals or understandings, whether written or oral.

18.      NOTICES. Any notice required or permitted hereunder shall be in
writing and addressed to the other party as first set forth in this Agreement
or to the last known address of the party. Any notice sent shall be deemed to
be received and valid upon (i) actual receipt, if hand delivered, (ii) three
business days from date on which such notice was sent, if sent by certified
or first class mail, postage prepaid, or (iii) upon the next business day if
such notice was sent by facsimile or overnight mail.

         IN WITNESS WHEREOF, the parties hereto, through their authorized
representatives, execute this Agreement to be effective as of the date first
written above.

FOR SYNERGISTIC OFFICE SOLUTIONS, INC.        FOR ACCURATE ASSESSMENTS, INC.

Signature: /s/ Katherine E. Peres             Signature: /s/ William C. Allan
          ----------------------------                  ----------------------

Printed Name: Katherine E. Peres              Printed Name: William C. Allan
             -------------------------                     -------------------

Title:  Vice President                        Title:   CEO
        ------------------------------               -------------------------

Date:   5/28/99                               Date:  5-26-99
        ------------------------------               -------------------------

                                    Page 7

<PAGE>

ATTACHMENT 1

RESELLER PRICING - SOS OFFICE MANAGER FOR WINDOWS
(RETAIL BASE = RETAIL PRICE - COST OF SQL ANYWHERE COMPONENTS;
RESELLER PRICE = RETAIL BASED - % + SQL COST)

                             RETAIL                             RESELLER
PRODUCT                      PRICE            RETAIL BASE       PRICE
------------------------------------------------------------------------------
OMW Standalone Std           $1,499.00        $1,429.00          $1,070.30
OMW Standalone Pro           $1,999.00        $1,929.00          $1,420.30
-------------------------------------------------------------------------------
OMW Network Server
  w/2 users                  $3,449.00        $3,239.00          $2,477.30
  w/4 users                  $3,599.00        $3,249.00          $2,624.30
  w/8 users                  $3,999.00        $3,369.00          $2,988.30
  w/16 users                 $4,699.00        $3,509.00          $3,646.30
-------------------------------------------------------------------------------
  w/32 users                 $5,999.00        $3,689.00          $4,892.30
  w/unlim users       Call for Pricing
  add one user                 $119.00           $49.00            $104.30
--------------------------------------------------------------------------------
OMW Network Pro Server
--------------------------------------------------------------------------------
  w/2 users                  $4,499.00        $4,289.00          $3,212.30
  w/4 users                  $4,649.00        $4,299.00          $3,359.30
  w/8 users                  $4,999.00        $4,369.00          $3,688.30
  w/16 users                 $5,699.00        $4,509.00          $4,346.30
  w/32 users                 $6,999.00        $4,689.00          $5,592.30
-------------------------------------------------------------------------------
  w/unlim users       Call for Pricing
-------------------------------------------------------------------------------

TRAINING
     SCHEDULE CLASSROOM    200 Per Attendee
     ON SITE                 Priced per site; must be bid by SOS

CUSTOM PROGRAMMING           $100 first hour, $75 each additional hour
     All custom programming must be bid by SOS

SUPPORT & UPDATES            Approximately 15% of the cost
                             of products used

ALL PRICES ARE SUBJECT TO CHANGE WITH 30 DAYS NOTICE!
MAY 28, 1999

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