Document:

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                                                                   EXHIBIT 10.16

                                SCANSOFT - XEROX
                          GOLD DISK BUNDLING AGREEMENT

This Agreement is between XEROX CORPORATION, OFFICE DOCUMENT PRODUCTS GROUP and
such Xerox Affiliates as defined below ("XEROX"), and SCANSOFT, INC.
("SCANSOFT") a Xerox company as agreed in writing to be bound by the terms and
conditions hereof, and shall be effective as of March __, 1998 ("Effective
Date"), upon the terms and conditions set forth below.

1.0     PREMISES & DEFINITIONS

1.1     This Agreement applies only to the ScanSoft-brand software product(s)
        listed in Section 3.2 (referred to collectively as the "SOFTWARE").

1.2     "Xerox Affiliates" shall mean Xerox Canada Inc., Xerox Limited, and Fuji
        Xerox Co. Ltd., and any entity, which is 50% or more, owned directly or
        indirectly by Xerox Corporation or Xerox Limited but shall not include
        ScanSoft, Inc.

1.3     Xerox wishes to acquire a master copy of the Software and its
        documentation on disk (the "GOLD DISK"), to produce copies of the
        Software and its associated documentation, combine such Software with
        multi-function devices ("DOCUMENT CENTRE SYSTEMS" and similar hardware)
        to create "BUNDLED SOLUTIONS" and to distribute such Bundled Solutions
        to Xerox Affiliates, resellers and end users. Xerox shall not distribute
        the Software except as part of the Bundled Solutions.

1.4     A Bundled Solution will include twenty-six (26) Software licenses for
        each Document Centre System sold, twenty-five (25) Software licenses for
        individual users and one (1) license for a server based OCR application.
        Customers that require more than 26 licenses per multi-function device
        installation may order additional copies of Software directly from
        ScanSoft.

2.0     ADDITIONAL RESPONSIBILITIES OF XEROX

2.1     MARKETING. "TextBridge Pro" and/or the ScanSoft Software logo, provided
        to Xerox upon signing of this Agreement, may be displayed in all
        advertising, product literature, and in a conspicuous location on the
        Bundled Solutions packaging. ScanSoft will provide the artwork for the
        logo.

        2.1.1   Xerox agrees to provide ScanSoft with access to all registered
                customers of Xerox' Bundled Solution through the ScanSoft
                software support registration process if a registration process
                is used and database is available

        2.1.2   Xerox shall provide ScanSoft, at no charge, one (1) unit each of
                the Bundled Solutions to be used for support training, QA
                testing and promotional activities.

3.0     ROYALTIES

3.1     The Software shall be licensed at the Bundled Solution license fee set
        forth below. A Bundled Solution license fee is payable to ScanSoft based
        on the calculated number of Bundled Solutions. The parties agree that in
        order to calculate the Bundled Solution royalty payable to ScanSoft,
        Xerox shall not less than quarterly, submit to ScanSoft a statement
        showing the net number of royalty bearing units of Software licensed to
        third parties which shall be calculated by subtracting the number of
        units of Software returned by third parties in conjunction with the
        return of a unit of the multi-function device from the total number of
        units of the Software licensed to a third party during such period.
        Xerox may use a reasonable number of copies for demonstration and
        promotion purposes without paying a license fee. The TextBridge Pro
        component of the Software shall be distributed by Xerox with CentreWare
        4.0, in an earlier version if possible. Xerox may license additional
        units of Software at the Unit License Fee below for customers who

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        request additional Software units. Such Software license shall not
        exceed one hundred (100) licenses per sale of each Document Centre
        Systems and/or similar hardware.

3.2     Upon the execution of this Agreement, Xerox shall pay to ScanSoft
        royalties according to the schedule set forth below:

<TABLE>
<CAPTION>
                                                                                        BUNDLED
                                                                                       SOLUTION
           SOFTWARE                                                  UNIT LICENSE     LICENSE FEE
   (FOR 25 USERS + 1 SERVER           PLATFORMS       PRE-PAID           FEE           (EXTENDED
         INSTALLATION)                SUPPORTED       LICENSES          ($US)          SYSTEM FEE)
   ------------------------        --------------     --------       ------------     ------------
<S>                                <C>                <C>            <C>              <C>
 TEXTBRIDGE PRO
 (TEXTBRIDGE PRO FOR WINDOWS          PC-Win95,         None            $5.00           $125.00
   3.1)                            WinNT and Win
 (TEXTBRIDGE PRO 98 FOR WINDOWS         3.11
   95/NT 4.0)
</TABLE>

See ATTACHMENT II - TEXTBRIDGE PRO LANGUAGE SPECIFICATIONS for complete list
of User Interfaces and Recognized Languages supported.

3.3     Xerox shall provide to ScanSoft, within thirty (30) days after the end
        of each calendar quarter, a detailed statement setting forth the net
        number of the Bundled Solutions on which copies of the Software were
        licensed or sublicensed to third parties during the previously completed
        calendar quarter. The statement shall be accompanied by payment in full
        for license fees due to ScanSoft.

4.0     SECOND LEVEL TECHNICAL SUPPORT

4.1     The details of training delivery by ScanSoft and the TextBridge Pro
        training material are listed in Attachment III - TEXTBRIDGE PRO
        TECHNICAL SUPPORT AND TRAINING.

4.2     ScanSoft will provide Second and Third Level Support to Xerox' Customer
        Support, as it may be reasonably requested by Xerox, to fulfill its
        maintenance obligations to its resellers and end users. The details of
        technical support responsibilities of ScanSoft and Xerox are listed in
        Attachment III - TEXTBRIDGE PRO TECHNICAL SUPPORT AND TRAINING.

4.3     If customer problem was determined to be caused by a defect in media,
        Xerox shall issue a replacement media to a customer and Xerox agrees to
        pay for all associated costs incurred by such replacement.

5.0     TITLE

        Title and all rights of ownership to the Software, and all copies of all
        or any part thereof, are and remain with ScanSoft at all times. Xerox
        agrees to place Xerox-ScanSoft's copyright notice (using the
        international copyright symbol) on each copy of Software made by Xerox.

6.0     LICENSE

6.1     LICENSE GRANT. ScanSoft hereby grants to Xerox, under ScanSoft's
        applicable patents, copyrights and other intellectual property rights, a
        perpetual, nonexclusive, worldwide right and license to use, market,
        maintain, reproduce, (in any medium including firmware) translate,
        prepare, display, lease, and sub-license the Software and reproduce
        copies in object code format only, onto the media form contained within
        a Bundled Solution and to distribute such copies with the Bundled
        Solutions sold, leased and/or licensed by Xerox.

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6.2     Xerox shall ensure that each copy of the Software is marketed with (1)
        the Software's user documentation, (2) the Software License Agreement,
        and (3) Electronic Warranty Registration Process. Xerox shall adhere to
        ScanSoft's specifications (in Attachment I) for the Software's user
        documentation when manufacturing such documentation. Any deviations from
        such specifications will require advance written approval from ScanSoft.
        ScanSoft may require samples reflecting such deviations for review prior
        to issuing its approval.

6.3     ScanSoft shall ensure compatibly between the Software and Xerox'
        Products. Xerox shall test such Software compatibility in their standard
        end-user configuration. If the Software and Xerox' Products are not
        compatible then Xerox may use the options stated in 7.03 as a remedy.

7.0     WARRANTY AFTER APPROVAL

7.01    The Software provided to Xerox herein is licensed without any
        modification or customization. ScanSoft shall warrant the Gold Disk to
        be free from known viruses and material program defects for a period of
        thirty (30) days from the date of delivery of the master Gold Disk.

7.02    If any material program errors with the Software are discovered by
        Xerox, ScanSoft shall use reasonable efforts to correct such errors at
        no charge to Xerox within a correction period of thirty (30) days
        following receipt of written notice from Xerox of such errors.

7.03    If the program errors of 7.02 cannot be eliminated by ScanSoft in the
        thirty (30) day correction period, then as Xerox' remedy and at its
        option Xerox may:

        (a)     extend the correction period by an amount of time as may be
                determined by Xerox; or

        (b)     approve the Software with an equitable reduction in any Fee as
                materially determined by the parties; or

        (c)     reject the Software by notifying ScanSoft of such in writing and
                promptly returning all Software to ScanSoft with all copies made
                thereof and ScanSoft shall refund the License Fee paid by Xerox
                for such units of Software returned to Xerox by its customers
                within the warranty period stated in section 7.01.

7.04    EXCEPT FOR THE EXPRESS WARRANTIES SET FORTH HEREIN, SCANSOFT HEREBY
        DISCLAIMS AND XEROX HEREBY EXPRESSLY WAIVES ANY AND ALL OTHER EXPRESS
        WARRANTIES OR REPRESENTATIONS OF ANY KIND OR NATURE, AND ANY AND ALL
        IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY
        OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

7.05    END-USER WARRANTY. In the event any end user makes a warranty claim
        against ScanSoft or which is outside of the warranty set forth in
        Section 7.01, ScanSoft shall honor such warranty but Xerox shall hold
        ScanSoft harmless from and against such warranty claims and Xerox shall
        pay ScanSoft the actual costs incurred by ScanSoft in honoring such
        warranty claim.

8. 0    TERMINATION

8.01    This Agreement is effective upon the date of execution by ScanSoft and
        Xerox ODPG. Subject to the termination provisions set forth in this
        Agreement, the initial term shall commence on the Effective Date and run
        for an eighteen (18) month period. This Agreement may be renewed for
        successive one-year periods by mutual written consent of the parties.
        Upon termination or expiration, Xerox shall stop production and
        distribution of the Software.

8.02    Either ScanSoft or Xerox may terminate this Agreement by written notice
        of termination to the other party upon a material breach by ScanSoft or
        Xerox which has not been cured within thirty (30) days of written notice
        of such breach. Confidential Obligations (the obligations as to
        Confidential Information) herein shall not be waived and shall survive
        termination.

8.03    BREACHES PROVIDING GROUNDS FOR IMMEDIATE TERMINATION. ScanSoft shall
        have the right to immediately terminate this Agreement if Xerox breaches
        the provisions of this Agreement regarding: (1) ScanSoft confidential
        information; (2) the unauthorized license or marketing of ScanSoft
        Software.

8.04    Xerox reserves the right, in whole or in part, in the exercise of its
        discretion, to terminate this Agreement upon not less than thirty (30)
        days written notice to ScanSoft. In the event of termination or upon

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        expiration of this Agreement, ScanSoft shall return to Xerox any and all
        documents, materials, work product and all copies made thereof, which
        were obtained by ScanSoft from Xerox.

9.0     EFFECT OF TERMINATION

9.01    Termination or nonrenewal shall not relieve either party of obligations
        incurred prior to termination or expiration or of obligations which by
        their nature or term survive termination or expiration. All monies due
        to ScanSoft from Xerox shall become immediately due and payable upon any
        termination.

9.02    Upon termination or expiration, Xerox shall (1) immediately stop
        production and distribution of the Software and (2) cease using the name
        "ScanSoft" or "TextBridge Pro". Xerox shall destroy any ScanSoft
        software contained in all types of computer memory and all relevant
        materials and shall so warrant in writing to ScanSoft within thirty (30)
        days of termination or expiration, except that Xerox may retain a
        reasonable quantity of the Software only for the purposes of providing
        its customers with ongoing support. Xerox may distribute any paid-for
        Software in its possession after termination or expiration.

9.03    Additionally, each party shall return to the other party any and all
        confidential documents or materials.

10.0    INDEMNIFICATION

10.01   ScanSoft represents and warrants that it has sufficient right, title and
        interest in and to the Software to enter into this Agreement and further
        warrants that it is not aware that Software infringes any patent,
        copyright or other proprietary right of a third party and that it has
        not been notified by a third party of a possibility that the Software
        might infringe any patent, copyright or other proprietary right of a
        third party.

10.02   ScanSoft shall defend Xerox and Xerox Affiliates from, and pay any
        judgment for, any claim, action or other proceeding brought against
        Xerox or Xerox Affiliates arising from the use of the Software,
        providing that such Xerox or Xerox Affiliates promptly notifies ScanSoft
        in writing of any action or claim, allows ScanSoft, at ScanSoft's
        expense, to direct the defense, gives ScanSoft full information and
        reasonable assistance required to defend such suit, claim or proceeding,
        at no out-of-pocket expense to Xerox, and allows ScanSoft to pay any
        judgment, provided further that ScanSoft shall have no liability for any
        claim, action or other proceeding based upon acts or omissions by Xerox,
        the combination of the Software with hardware or software not provided
        by ScanSoft if the claim relates to such combination, or for settlements
        or costs incurred without the knowledge of ScanSoft. To avoid
        infringement, ScanSoft may, at its option, and at no charge to Xerox,
        obtain a license or right to continue the use of the Software, or modify
        the Software so it no longer infringes, but is still a functional
        equivalent of the Software, or substitute a functional equivalent of the
        Software. If none of the foregoing are commercially practicable,
        ScanSoft may, as Xerox' remedy under this Section 10.02 accept the
        return of all infringing Software and refund to Xerox all applicable
        License Fees therefore.

10.03   The foregoing indemnity does not apply, and Xerox agrees to indemnify
        ScanSoft (including reasonable costs and attorneys' fees), with respect
        to any claim brought against ScanSoft concerning patent or copyright
        infringement allegedly arising from: (1) the unauthorized combination or
        utilization by Xerox of any Software or (2) the unauthorized
        modification of any Software by Xerox; (3) any Software manufactured by
        ScanSoft to Xerox' specifications; (4) the production of images in
        violation of the proprietary rights of third parties.

11.0    DISCLAIMER

11.01   IN NO EVENT SHALL EITHER PARTY BE LIABLE TO THE OTHER FOR LOST CONTRACTS
        OR LOST PROFITS OR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL
        DAMAGES IN ANY WAY ARISING OUT OF THE USE OF THE SOFTWARE OR RELATING TO
        THIS AGREEMENT HOWEVER CAUSED UNDER A CLAIM

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        OF ANY TYPE OR NATURE BASED ON ANY THEORY OF LIABILITY (INCLUDING
        CONTRACT, TORT OR WARRANTY) EVEN IF THE POSSIBILITY OF SUCH DAMAGES HAS
        BEEN COMMUNICATED. THIS DISCLAIMER DOES NOT APPLY TO THE AFORESAID
        INDEMNIFICATION.

12.0    FORCE MAJEURE

12.01   Neither party shall be liable to the other for its failure to perform
        any of its obligations hereunder during any period in which such
        performance is delayed by circumstances beyond its reasonable control,
        provided that the party experiencing such delay promptly notifies the
        other party of the delay.

13.0    CONFIDENTIAL INFORMATION

13.01   This Agreement supersedes any prior agreement with Office Document
        Products as to the Software (with respect to Confidential Information).

13.02   Each party agrees not to intentionally disclose or intentionally make
        available to any third party information received from the other party
        (hereinafter referred to as "Information" or "Confidential Information")
        in any form without the express written approval of the disclosing
        party.

13.03   Receiving party shall not use such Information except to the extent
        necessary to perform under this Agreement and shall not intentionally
        circulate the Information within its own organization except to those
        with a specific need to know such Information. If written approval by
        disclosing party is given to receiving party to disclose Information to
        a third party, receiving party shall impose similar confidential
        restrictions on such third party to whom it discloses such Information.

13.04   The obligations on receiving party recited herein shall terminate with
        respect to any particular portion of such Information when and to the
        extent that it is or becomes:

        (a) part of the public domain through no fault of receiving party;

        (b) communicated by disclosing party to a third party free of any
            obligation of confidence;

        (c) independently developed by receiving party with-out any reference
            to the Information;

        (d) known to receiving party free of any obligation of confidence.

13.05   In no event shall the obligation of receiving party with respect to the
        Information extend beyond three (3)years from the date of disclosure.

13.06   Upon request by disclosing party or termination of this Agreement,
        whichever occurs first, receiving party agrees to promptly return the
        Information to the disclosing party.

14.0    ASSIGNMENT

14.01   This Agreement may not be assigned or transferred by either party
        without the prior written approval of the other party; provided that
        ScanSoft may assign its rights to any purchaser of all or substantially
        all of its business, and Xerox may assign its rights hereunder, or any
        portion thereof, to any subsidiary or affiliate of Xerox or to any
        purchaser of all or substantially all of its equipment business for
        which the Software is then licensed. Further, Xerox' or Xerox
        Affiliates' rights and obligations under this Agreement may be exercised
        and performed in whole or in part by any subsidiary or affiliate of
        Xerox, provided that Xerox shall continue to be responsible to ScanSoft
        for the performance of its obligations under this Agreement. Subject to
        the limitations heretofore expressed, this Agreement shall inure to the
        benefit of and be binding upon the parties, their successors,
        administrators, heirs and assigns.

15.0    MODIFICATION

15.01   This Agreement constitutes the entire Agreement of the parties as to the
        subject matter hereof and supersedes all prior and contemporaneous
        communications. This Agreement shall not be modified, except by a
        written Agreement signed by duly authorized representatives of ScanSoft
        and Xerox.

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16.0    BANKRUPTCY OF SCANSOFT OR XEROX

16.01   To the extent permitted by applicable law (including II U.S.C. Section
        365) the non-defaulting party may terminate this Agreement immediately
        by written notice to the other in the event the other party makes an
        assignment for the benefit of its creditors, admits in writing an
        inability to pay debts as they mature, a trustee or receiver is
        appointed respecting all or a substantial part of the other party's
        assets, or a proceeding is instituted by or against the other party
        under any provision of the Federal Bankruptcy Act and is acquiesced in
        or is not dismissed within sixty (60) days, or results in an
        adjudication of bankruptcy. To the extent applicable law prevents the
        non-defaulting party from terminating this Agreement, if it should wish
        to do so as described above, then the parties shall have only those
        rights and remedies permitted by applicable law, including the United
        States Bankruptcy Act, including but not limited to II U.S.C. Section
        365.

17.0    COMPLIANCE WITH THE LAW

17.01   Each party represents and warrants compliance with all Federal, State
        and local laws, ordinances and regulations applicable to this Agreement
        including, but not limited to, (a) applicable requirements of (a)of the
        Fair Labor Standards Act, (b) Executive Order 11246(c) the Vietnam Era
        Veterans Readjustment Assistance Act and the Rehabilitation Act.

18.0    NONPUBLICITY

18.01   Without prior written consent of the other Party, a party shall not (a)
        make any news release, public announcement, denial or confirmation of
        this Agreement or its subject matter, or (b) advertise or publish any
        facts relating to this Agreement.

19.0    CONTROLLING LAW

19.01   This Agreement shall be governed and construed in accordance with the
        laws of the Commonwealth of Massachusetts.

20.0    GENERAL PROVISIONS

20.01   Waiver. Failure of either party to require strict performance by the
        other party of any provision shall not affect the first party's right to
        require strict performance thereafter. Waiver by either party of a
        breach of any provision shall not waive either the provision itself or
        any subsequent breach.

20.02   No Agency. It is agreed and understood that neither Xerox nor ScanSoft
        has any authority to bind the other with respect to any matter
        hereunder. Under no circumstances shall either Xerox or ScanSoft have
        the right to act or make any commitment of any kind to any third party
        on behalf of the other or to represent the other in any way as an agent.

20.03   Survival. The provisions of this Agreement shall, to the extent
        applicable, survive the expiration or any termination hereof including,
        but without limitation, any perpetual license herein granted.

20.04   Headings. The headings and titles of the Sections of the Agreement are
        inserted for convenience only, and shall not affect the construction or
        interpretation of any provision.

20.05   Severability. If any provision of the Agreement is held invalid by any
        law, rule, order or regulation of any government, or by the final
        determination of any state or federal court, such invalidity shall not
        affect the enforceability of any other provisions not held to be
        invalid.

20.06   Entire Agreement. This Agreement constitutes the entire Agreement of the
        parties as to the subject matter hereof and supersedes any and all prior
        oral or written memoranda, understandings and Agreements as to such
        subject matter.

21.0    YEAR 2000 WARRANTY

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21.01 ScanSoft represents and warrants that the Software and Third Party
Software delivered under this Agreement is Year 2000 performance compliant and
thus shall be able to accurately process date data (including, but not limited
to, calculating, comparing, and sequencing) from, into, and between the
twentieth and twenty-first centuries, including leap year calculations. The
remedies available to Xerox for breach of this warranty shall include prompt
repair or replacement of any Software and Third Party Software or part thereof
whose non-compliance is discovered and made known to ScanSoft in writing.
Nothing in this warranty shall be construed to limit any rights or other
remedies Xerox may otherwise have under this Agreement with respect to
uncorrected program errors or defects.

IN WITNESS WHEREOF, the parties have executed this Agreement on the dates shown
below.

SCANSOFT, INC.                            XEROX CORPORATION, ODP

By: /s/ Wayne Crandall                    By: /s/ Ray Valukonis
   --------------------------------          -----------------------------------
Name: Wayne Crandall                      Name: Ray Valukonis
     ------------------------------            ---------------------------------
Title: V.P.                               Title: V.P. Finance
      -----------------------------             --------------------------------
Date: March 25, 1998                      Date: March 19, 1998
     ------------------------------            ---------------------------------

Address: 9 Centennial Drive               Address: 200 Canal View Blvd, MS 831
         --------------------------                -----------------------------
         Peabody, MA  01960                        Rochester, NY 14623
         --------------------------                -----------------------------
         USA                                       USA
         --------------------------                -----------------------------

Phone:   978-977-2000                      Phone:
         --------------------------                -----------------------------
Fax:     978-977-2425                      Fax:
         --------------------------                -----------------------------

<PAGE>   8

                                SCANSOFT - XEROX
                          GOLD DISK BUNDLING AGREEMENT

                                  ATTACHMENT I
                     TEXTBRIDGE PRO MATERIALS SPECIFICATIONS

1) TEXTBRIDGE PRO SOFTWARE KIT (CD)

A) SOFTWARE SPECS

FORMAT               CD-ROM
QUANTITY             1
MASTER               Provided as CD-R

B) CD SCREENPRINT ARTWORK

PROCESS              To be printed on each CD
COLOR                Two color (red & black)
ARTWORK              Master artwork provided by MarCom in specified format

C) TEXTBRIDGE CD TRAY INLAY

DESCRIPTION          Includes serial number
PROCESS              To included in rear cover of CD Jewel case
ARTWORK              Master artwork provided by MarCom in specified format
SERIAL NUMBER        Serial number scheme and range to be provided by
                     Manufacturing

D) TEXTBRIDGE CD JEWEL CASE

DESCRIPTION          Standard clear plastic CD Jewel Case with black tray

2) TEXTBRIDGE PRO USER'S GUIDE

A) ELECTRONIC FOR ONLINE MANUAL

MASTER               Provides as PDF file on Master CD-R

A) HARD COPY

i) INTERNAL PAGE SPECIFICATIONS

PAGE SIZE            7.25 x 8.375 inches - double-sided pages per provided
                     masters (except where otherwise specified)
PAGE COUNT           123 pages plus cover (WINDOWS);
STOCK                At least 50 lb. Opaque Smooth Paper (60 lb. preferred)
TYPE COLOR           One-color (Black)
BINDING              Perfectbind or equivalent

ii) COVER PAGE SPECS

COLOR                Two color with Clear Aqueous-based varnish finish
STOCK                10 pt. coated White Carolina Paper
BINDING              Perfect Binding

4) TEXTBRIDGE WARRANTY REGISTRATION CARD

SIZE                 6.875 x 4.875 inches
STOCK                10 pt. Coated
COLOR                Two Color
FINISHING            Scored and folded to finished size 5.5 x 4.25 inches
TYPE                 One-color (Black)
NOTE:                Artwork will be provided as Macintosh PostScript files.

<PAGE>   9

                                SCANSOFT - XEROX
                          GOLD DISK BUNDLING AGREEMENT

                                  ATTACHMENT II

                     TEXTBRIDGE PRO LANGUAGE SPECIFICATIONS

1.) TEXTBRIDGE PRO 3.0 FOR USE WITH MICROSOFT WINDOWS(R) 3.1

NORTH AMERICA/UK Version: Page size default = letter
Interface: English
Recognizes: English, French, German, Italian, and Spanish

FRENCH Version Page size default = A4
Interface: French
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

GERMAN Version Page size default = A4
Interface: German
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

ITALIAN Version Page size default = A4
Interface: Italian
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

SPANISH Version Page size default = A4
Interface: Spanish
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

BRAZILIAN PORTUGUESE Version Page size default = A4
Interface: Brazilian Portuguese
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

2.) TEXTBRIDGE PRO 98 FOR USE WITH MICROSOFT WINDOWS(R) 95 AND NT

NORTH AMERICA/UK VERSION: Page size default = A4
Interface: English
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

FRENCH Version Page size default = A4
Interface: French
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

GERMAN Version Page size default = A4
Interface: German
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

<PAGE>   10

ITALIAN Version Page size default = A4
Interface: Italian
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

SPANISH Version Page size default = A4
Interface: Spanish
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

BRAZILIAN PORTUGUESE Version Page size default = A4
Interface: Brazilian Portuguese
Recognizes: Danish, Dutch, English, Finnish, French, German, Italian, Norwegian,
Portuguese, Spanish, Swedish

<PAGE>   11

                                SCANSOFT - XEROX
                          GOLD DISK BUNDLING AGREEMENT

                                 ATTACHMENT III

                  TEXTBRIDGE PRO TECHNICAL SUPPORT AND TRAINING

1.) PRODUCT SUPPORT BY SCANSOFT AND XEROX

ScanSoft will provide technical support to Xerox' Customer Support, as it may be
reasonably requested by Xerox, to fulfill its maintenance obligations to its
resellers and end users. Technical support shall include telephone support to
Xerox' engineering staff on the operation, integration and utilization of the
Software, and maintenance modifications and bug corrections for the Software to
bring them into conformance with the specifications. There will be no charge to
Xerox for this level of support. When a customer problem is determined by Xerox'
Customer Support to be associated directly with the Software and resolution of
the problem is not within the range of training received or knowledge accrued by
Xerox' Customer Support, Xerox' Customer Support may either, contact ScanSoft's
telephone support for assistance or refer the end user directly to ScanSoft's
Customer Support.

2.) SUPPORT LEVELS

2.1   First Level Support. Cases that can be immediately answered and require no
      callback to the customer. No assistance from Second Level Support is
      required.

2.2   Second Level Support. Cases that involve knowledge of the Software
      program, problem isolation or investigation by technical support
      technicians and may require a callback to the customer. Assistance from
      Third Level Support may be required.

2.3   Third Level Support. Cases that involve detailed knowledge of the Software
      program, problem isolation and investigation by Xerox engineers.
      Assistance and resolution may be required from the other party.

3.) SCANSOFT RESPONSE TO PROBLEMS RANKED BY SEVERITY

3.1   SEVERITY 1 PROBLEMS. Means this Software has a problem, defect or
      malfunction which renders the Software or a major component of the
      Software inoperative. With a Severity l Problem there is a significant and
      on-going interruption to the end user or customers business or there is an
      unrecoverable loss or corruption of data. No circumvention is available.
      ScanSoft agrees to commence an investigation of any "Severity 1 Problems"
      within one (1) business day of notice by Xerox and initiate the
      development of corrections immediately thereafter. ScanSoft shall commit
      commercially reasonable efforts to provide Xerox with a fix, workaround or
      permanent fix within fourteen (14) business days.

3.2   SEVERITY 2 PROBLEMS. Means the Software has a problem, defect or
      malfunction where the Software or a major component or the Software is not
      working or is malfunctioning in a manner which restricts the end user or
      customers use of the Software. ScanSoft agrees to commence an
      investigation of any "Severity 2 Problems" within two (2) business days of
      notice by Xerox and initiate the development of corrections immediately
      thereafter. ScanSoft shall commit commercially reasonable efforts to
      provide Xerox with a fix, workaround or permanent fix within six (6)
      weeks.

3.3   SEVERITY 3 PROBLEMS. Means the Software has a problem. defect or
      malfunction where the Software or a component of the Software is not
      functioning as specified in the documentation and caused a minor impact on
      the end user or customers use of the Software. An acceptable circumvention
      or workaround is available. ScanSoft agrees to commence an investigation
      of any "Severity 3 Problems" within five (5) business days of notice by
      Xerox and shall be corrected in future releases of the Software.

4.) SUPPORT CONTACTS

4.1   ScanSoft and Xerox will provide Warm Transfer (call forwarding)
      capabilities between Xerox Third Level Support and ScanSoft for support in
      the US, Canada and Europe. ScanSoft will make an OEM Hotline telephone
      line available to the same Xerox locations for warm transfer calls. At a
      minimum, this support will be provided by ScanSoft in the US during the
      business hours of 08:30 to 17:30 Eastern Time, Monday through Friday
      (ScanSoft holidays excluded).

4.2   ScanSoft will provide US-based OEM Hotline for calls from Xerox Customer
      Support Centers in Latin and South America during the same business hours
      as above.

<PAGE>   12

4.3   ScanSoft will provide web and email based support
      (textbridge_support@xis.xerox.com) for Xerox Customer Support Centers on a
      worldwide basis.

4.4   Second and Third Level local language support for calls in Europe (XL) is
      provided by an office in the UK in German, French, and Italian; in Canada
      (XCI) support is provided by an office in the US in English only; and in
      Latin America (ACO) support is provided by an office in the US in English
      only, or via email in English.

4.5   ScanSoft and Xerox will each designate a technical support contact person
      responsible for overall communications between each company.

5.) SUPPORT RESPONSIBILITY

ScanSoft will provide all levels of support for any TextBridge Pro Software
scanner related questions other than those questions related directly to the
Document Centre Systems scanning. In cases where Xerox receives call on any
questions concerning TWAIN, or other scanner driver connectivity, it will be the
responsibility of ScanSoft and will be forwarded from Xerox to ScanSoft. The
customer may call the TextBridge support line at 800-880-8806 with in the USA,
978-977-0764 for outside of the USA and add UK phone numbers for European
support for assistance with such questions. Xerox Customer Support will be
responsible for all other calls related to the TextBridge Pro Software operation
and the Document Centre Systems scan to file capabilities. ScanSoft will forward
all calls related to the Document Centre Systems and the related scan to file
capabilities to Xerox Customer Support Centers. If both parties agree to
transfer responsibility for communicating with an individual customer to
ScanSoft, ScanSoft will assume all further responsibility for that customer's
support, including sending any pertinent bug fixes, if available, at ScanSoft's
own expense.

6.) SOFTWARE LICENSE FOR XEROX SUPPORT CENTERS

In order to address customer support issues, Xerox support centers or their
subcontractors are permitted to use the Software solely for support and/or
testing purposes for Xerox customers. Such installation is not licensed for
operational use, and is for support purposes only. The Software is for internal
use only and will not be distributed externally.

7.) SOFTWARE PROBLEM RESOLUTION PROCESS AND ESCALATION PROCESS

The Software Problem Report (SPR) process includes the following steps:

    ~   SPR's are filed as needed.

    ~   SPR's are prioritized.

    ~   ScanSoft personnel are assigned to take direct responsibility for
        handling the SPR.

    ~   The timeline requirement is identified to resolve the SPR.

    ~   The strategy that will be taken to resolve the issue is identified.

    ~   Resolution to the problem or work-around is communicated.

    ~   As appropriate and where applicable, "patches" are posted on the web for
        download.

    ~   At Scansoft's discretion fixes may be rolled into a point release which
        can then be sent to customers experiencing a particular problem
        addressed in that version.

    ~   The patch or point release will be delivered to Xerox Third Level
        Support for fix verification at the same time as ScanSoft performs QA on
        the release.

    ~   Communication of the progress against the action plan is made on a daily
        basis for critical problems and on a weekly basis for normal problems.

If this process is failing to satisfy either party, a review of the situation
and the process to date should be made by ScanSoft and Xerox.

8.) REGULAR REPORTING

8.1   ScanSoft will provide Xerox with a "Solutions" database of known problems
      and solutions on a monthly basis in a format that is compatible with
      Xerox' DB IV database. The database information is expected to be
      available from ScanSoft beginning in June 1998, or sooner, and updates
      will be provided within twenty (20) days after the last day of each
      calendar month. The basis for this information is on the TextBridge Pro98
      web page as FAQ's and technical information bulletins which Xerox has
      access to.

8.2   Xerox and ScanSoft recognize and acknowledge the importance to each other
      of Third Level technical support information regarding both individual
      cases and aggregate support statistics, and commit to provide each other
      with regular reports containing all pertinent technical support
      information. These reports will be provided as they become available.
      ScanSoft provides a comprehensive FAQ document and technical bulletins for
      TextBridge Pro 98 via the TextBridge Pro98 web page (at
      "www.textbridge.com"). Updates will be added to these on a regular basis

<PAGE>   13

9.) TRAINING MATERIALS

ScanSoft and Xerox recognize and acknowledge the importance of providing
training to each other regarding the TextBridge Pro Software.

9.1   ScanSoft will develop training materials that cover the information
      required to adequately support the TextBridge Pro Software. At a minimum,
      ScanSoft will provide the same level of training that Xerox provides to
      its own support staff and ScanSoft will provide the same level of product
      training/materials to Xerox as they provide to other OEM's. The training
      materials will include robust troubleshooting and escalation procedures or
      guidelines.

9.2   Xerox will honor reasonable requests from ScanSoft to provide basic
      training on Xerox DCS Products to facilitate ScanSoft's customer support
      efforts. The scope and timing of such training will be mutually agreed
      upon by both companies' support representatives.

10.) LOCATION AND TIMING OF TRAINING

To ensure adequate customer support, ScanSoft's training of Xerox personnel will
be provided prior to Xerox' product introduction date. The training will be held
in Rochester, NY at a Xerox location for a mutually agreeable period appropriate
to the training program.

11.) SCOPE OF TRAINING

11.1  This training will include, but not be limited to, all TextBridge Pro
      Software features and functions, customer usability, and advanced
      troubleshooting based on customer support history. ScanSoft will be
      expected to train the trainers from each of the major Xerox Customer
      Support Functions that is using or supporting the TextBridge Pro Software.

11.2  Xerox may further request and ScanSoft shall provide additional training
      as reasonably necessary to inform all personnel of new program versions or
      enhancements.

11.3  ScanSoft will provide on-site training at their facility, when requested
      by Xerox, in order to provide an in-depth, hands-on customer support
      experience for a mutually agreed upon number of Xerox Third Level Support
      technicians.

11.4  All initial and subsequent training shall be provided at no charge to
      Xerox, however for any subsequent training sessions Xerox shall pay
      ScanSoft for reasonable travel and lodging expenses.

11.5  In the event ScanSoft releases new version of TextBridge Pro, ScanSoft
      shall provide Xerox with additional training at no additional charge.

12.) MATERIAL RIGHTS

12.1  ScanSoft grants Xerox the royalty-free rights to modify reproduce and use
      all training classes, methods and materials supplied ScanSoft or developed
      by Xerox pursuant to this Agreement.

12.2  ScanSoft restricts the use of such materials to training Xerox employees
      or to agents contracted by Xerox for the purpose of selling or supporting
      Xerox products.

13.) TRAINING DELIVERY PROCESS AND CONTENT

13.1  ScanSoft will provide training sessions, with back-up documentation, to
      Xerox Second Level support. The training will include robust
      troubleshooting for topics (such as Installation, Software Upgrade,
      Quality of OCR, OCR application interface, operability to optimize OCR),
      escalation procedures/guidelines and relationship building for those
      support personnel who will be involved in (bi-directional) escalation.

13.2  ScanSoft will provide training material (instructor notes, transparencies,
      lab exercises/lab specifications, and hand-out documentation) for
      training/customer demonstration/customer application testing purposes to
      Xerox trainers responsible for training field support people.

13.3  Training content (lecture, lab, and documentation) should focus on
      supported environments, installation procedure, application verification
      process, known issues/problems and troubleshooting procedures.

13.4  ScanSoft will provide pre-sales/installation support literature: customer
      collaterals describing strengths, positioning, customer benefits, and
      technical documentation (this information is available at the ScanSoft web
      site).

<PAGE>   14

                                SCANSOFT - XEROX
                          GOLD DISK BUNDLING AGREEMENT

                                  ATTACHMENT IV

                          TEXTBRIDGE ODP SPECIFICATION

                                  Chuck Hudson
                                    3/3/1998

               1.1.1. Document Scope

This document will describe the features of the TextBridge release for the ODP
OEM client.

               1.1.2. Project Scope

This project will consist of a master CD created to support both 16-bit Windows
3.x systems and 32-bit Windows 95 and NT systems with the current TextBridge 3.0
(16-bit) and TextBridge 98 (32-bit) products. It is fully understood that the
TextBridge 3.0 code base is at a "frozen" point and will not be updated for this
product.

               1.1.3. Project Schedule

   DATE          1st build delivered to QA (without updated help files)
   3/16/1998     Updated help files delivered to Release Engineering

   3/18/1998     2nd build with updated help files and any necessary SPRs fixed
   3/19/1998     First build of beta to be delivered

   4/15/1998     Final build delivered to QA
   4/17/1998     Final Gold Master with all languages
   6/1/1998      Launch date for product

               1.1.4. Code Base

        For Win 3.x the code used will be the existing released TextBridge 3.0
        with the following UI languages - English US, French, German, Italian,
        Spanish, and Brazilian Portuguese. No changes will be made to this code
        and it will be incorporated on the final CD as is. Thus it will be
        copied on the project from the existing master cd.

<PAGE>   15

        For Win NT and 95 the code base will be the TextBridge Pro 98 release
        with the following UI languages - English US, English UK, French,
        German, Italian, Spanish, and Brazilian Portuguese.

        Note: The complete version of Brazilian Portuguese for TextBridge Pro 98
        may not be included in the 1st build of the beta release to be
        delivered, as localization may not be complete.

               1.1.5. UI Languages and the corresponding recognition languages

        TextBridge Pro 3.0 for use with Microsoft Windows(R) 3.1

<TABLE>
<CAPTION>

                        PAGE SIZE
           VERSION       DEFAULT    INTERFACE           RECOGNIZED LANGUAGES
          ----------    ---------   ---------  -----------------------------------------
<S>                     <C>         <C>        <C>
          ENGLISH US     Letter     English    English, French, German, Italian, Spanish

            FRENCH         A4        French    Danish, Dutch, English, Finnish, French,
                                               German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish

            GERMAN         A4        German    Danish, Dutch, English, Finnish, French,
                                               German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish

           ITALIAN         A4       Italian    Danish, Dutch, English, Finnish, French,
                                               German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish

           SPANISH         A4       Spanish    Danish, Dutch, English, Finnish, French,
                                               German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish

          BRAZILIAN        A4      Brazilian   Danish, Dutch, English, Finnish, French,
          PORTUGUESE               Portuguese  German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish
</TABLE>

        TEXTBRIDGE PRO 98 FOR USE WITH MICROSOFT WINDOWS(R) 95 AND NT

<TABLE>
<CAPTION>
                        PAGE SIZE
           VERSION       DEFAULT    INTERFACE           RECOGNIZED LANGUAGES
          ----------    ---------   ---------  -----------------------------------------
<S>                     <C>         <C>        <C>
          ENGLISH US     Letter     English    English, French, German, Italian, Spanish

          ENGLISH UK       A4       English    Danish, Dutch, English, Finnish, French,
                                               German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish

            FRENCH         A4        French    Danish, Dutch, English, Finnish, French,
                                               German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish

            GERMAN         A4        German    Danish, Dutch, English, Finnish, French,
                                               German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish

           ITALIAN         A4       Italian    Danish, Dutch, English, Finnish, French,
                                               German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish

           SPANISH         A4       Spanish    Danish, Dutch, English, Finnish, French,
                                               German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish

          BRAZILIAN        A4      Brazilian   Danish, Dutch, English, Finnish, French,
          PORTUGUESE               Portuguese  German, Italian, Norwegian, Portuguese,
                                               Spanish, Swedish
</TABLE>

               1.1.6. Installer

<PAGE>   16

        The autorun that automatically runs once the CD is placed in the user's
        machine will launch a setup.exe (also found at the root level: see CD
        Structure below). This executable will check the system for which
        operating system is installed (either Win 3.x or Win 95/NT). This `os
        checker' will have to be written in 16-bit code so that it can be
        launched on a Win 3.x system. Once it determines which operating system
        is installed it will in turn launch the corresponding setup from either
        the TextBridge 3.0 directory or the TextBridge Pro 98 directory (found
        at the root of the CD). This os checker has been written and used on the
        TextBridge Classic hybrid CD.

        TextBridge Pro 98 Issues

        -  The normal electronic registration will be used for TextBridge Pro 98
           as is currently employed for the product. This includes all localized
           versions.

        -  Language selector - US English and Brazilian Portuguese must be added
           to the selector which is launched in the TB Pro 98 setup.

        -  Billboard 3 during file installation must be removed. (see below)

                                   [GRAPHIC]

        -  The dialog in English and all localized versions of TextBridge Pro 98
           that provides ScanSoft's toll free support number should be removed
           as ODP will be supporting the product. (see below)

        -  The Release Notes must be checked and updated to correspond with all
           changes to TextBridge Pro 98. (see Appendix B)

        -  Since ODP will be the support for this product all phone numbers
           must be changed to ODP's corresponding phone listings. (see appendix
           A)

<PAGE>   17

                             1.1.6.1.1. CD STRUCTURE

               Autorun
OS_DETECTOR

               - Win16 folder

                        Structure of TB 3.0 Cd with application then Doc folder

               - Win32 folder

                        Language selector with the directories for each language

<PAGE>   18

Appendix A                                             ODP Support Phone Numbers

TEXT BRIDGE PRO SUPPORT REQUIREMENTS

Monica Kraft
2/18/98

The following table lists the contact telephone numbers for Customer Support
within each TextBridge Pro Language.

Please provide a statement on the user interface in the appropriate location
with this information.

<TABLE>
<CAPTION>
     Language               Xerox Support Telephone Number
------------------    ------------------------------------------
<S>                   <C>
English               US: 800-821-2797
                      UK/IRE: 01908 692 444
                      Canada: 800-939-3769

German

      Berlin          ++49 30 / 78788 - 222

      Bochum          ++49 2327 / 941 - 441

      Dusseldorf      ++49 211 / 990 - 2555

      Hamburg         ++49 40 / 85360 - 444

      Munchen         ++49 89 / 99644 - 122

      Neu Isenburg    ++49 6102 / 734 - 123

      Stuttgart       ++49 711 / 7254 - 111

French                Canada: 800-939-3769
                      France: "Contact Your local Xerox Support"

      Italian         "Contact Your local Xerox Support"

      Spanish         "Contact Your local Xerox Support"

      Brazilian
      Portuguese      "Contact Your local Xerox Support"
</TABLE>

Note:
    These numbers will only exist in the help files of TB Pro 98.

<PAGE>   19

Appendix B                            Current TB Pro 98 English US Release Notes

                          [TEXTBRIDGE(R) PRO 98 LOGO]

RELEASE NOTES FOR VERSION 1.0

Copyright (C) 1995-1997 ScanSoft, Inc., a Xerox Company
Portions of this product copyright (C) 1990-1997 Pixel Translations, Inc.
Portions of this product copyright (C) 1993-1997 Mastersoft Corp.

Please read this document for up-to-date information about ScanSoft's TEXTBRIDGE
PRO 98, VERSION 1.0 for Windows 95 and Windows NT operating systems. These
release notes discuss the following topics:

-   What's New in TextBridge Pro 98

-   Registration Information

-   Installation Instructions

-   If You Have Other Versions of Textbridge

-   Supported Scanners

-   Scanner Notes

-   Application Notes

-   Integration with Pagis Pro 97

WHAT'S NEW IN TEXTBRIDGE PRO 98

-   IMPROVED OCR ACCURACY - Dramatically saves time retyping.

-   INCREASED DOCUMENT RECOGNITION CAPABILITIES - Easily and accurately
    recognize complex document components such as tables, line art, drop caps,
    insets, reverse text.

-   ENHANCED PROOFREADING CAPABILITIES - Proofread and edit document text
    directly from within TextBridge Pro 98 for even more accurate output
    results.

-   INSTRUCTIONAL OCR WIZARD - Assists you by stepping you through the OCR
    process.

-   ADVANCED ZONE EDITING - Create, reshape, resize and renumber zones. Use
    highlighter pens to edit or adjust OCR components such as text, pictures,
    and tables enabling even greater control over the desired results.

-   SUPPORT FOR ADOBE ACROBAT PDF FORMAT - With TextBridge Pro 98 you can now
    save the OCR results into PDF format.

-   BETTER RECOGNITION OF TABLES - Easily convert tables into spreadsheets as
    well as word processing documents.

<PAGE>   20

REGISTRATION INFORMATION

Xerox provides unlimited, toll-free customer support to registered users of
TextBridge Pro. When you register, you are provided with a toll-free number to
call for support questions.

There are 4 easy ways to register:

-   INTERNET - Go to the TextBridge web site at WWW.TEXTBRIDGE.COM. Select
    TextBridge Pro98, go to Customer Support and select Product Registration.
    You will receive the toll-free number by return e-mail.

-   MODEM - Fill out the registration form during software installation. Click
    on "TextBridge Pro98 Electronic Registration" in the TextBridge Pro98 Master
    Setup window to bring up the TextBridge Product Registration form. Follow
    the instructions to send your registration by modem. A dialog box appears
    with the toll-free number. Be sure to write it down.

-   FAX - Fill out the registration form during software installation. Click on
    "TextBridge Pro98 Electronic Registration" in the TextBridge Pro98 Master
    Setup window to bring up the TextBridge Product Registration form. When you
    print the registration form, a dialog box appears with the toll-free number.
    Be sure to write it down. Then FAX your registration to 888-979-7662 or
    978-531-0675.

-   U.S. MAIL - Return the postage-paid Registration Card included with
    TextBridge Pro98. You will receive a postcard with the toll-free number.

INSTALLATION INSTRUCTIONS

Before you install or uninstall TextBridge Pro 98, exit from any open
applications so that only Windows is running. There should be no applications
listed in the task bar and no floating toolbars. For example, the Corel DAD and
Office shortcut bar should not be running. (CTRL+ALT+DELETE to display Task List
and 'End Task' on all applications except Explorer.)

TextBridge uses autorun for installation.

If autorun does not work on your system, use the following procedure to install
this version:

1. Put CD in CD-ROM drive (D: or the letter assigned to your CD-ROM).

2. From the Start menu, select Run.

3. Type d:\autorun.exe

4. Follow the on-screen instructions.

During installation, you select a type of installation. If you select Typical,
TextBridge will install the English, French, German, Italian, and Spanish
language packs. If you do not wish to install all five language packs, you must
select Custom.

IF YOU HAVE OTHER VERSIONS OF TEXTBRIDGE

TextBridge Pro 98 is designed to be self-contained. Thus, if you have another
version of TextBridge installed on your PC, you do not need to uninstall it
before installing TextBridge Pro Pro 98.

Note: You cannot run both versions of TextBridge simultaneously.

APPLICATION NOTES

This section discusses a number of points relating to using features in
TextBridge and Instant Access.

-   The TEXTBRIDGE USER'S GUIDE is available in PDF format from the TextBridge
    CD-ROM in the Tb98_Doc directory. You can read documents in PDF files in the
    Adobe Acrobat Reader. A Readme file describes installing the Acrobat Reader
    in the Tb98_Doc directory and using the Acrobat Reader to read or print the
    TextBridge User's Guide. Another Readme file describes the Acrobat Reader.

<PAGE>   21

-   QUATTRO PRO is not supported by Instant Access OCR.

-   NETSCAPE NAVIGATOR 3.0 GOLD is not supported by Instant Access OCR.

-   WORDPRO 97 with Instant Access OCR imports ASCII text. To retain font and
    paragraph style information, use TextBridge as a standalone application.

-   LOTUS 1-2-3 SMARTSUITE 97 with Instant Access OCR works best if you use the
    Paste Special command in the Edit menu and select 1-2-3 format.

-   With earlier versions of LOTUS 1-2-3, use TextBridge as a standalone
    application for the best results. Save your results in the format for Lotus
    1-2-3, and open the file in your Lotus 1-2-3 application.

-   PAGE COLLATION is not automatically supported for PDF. To process
    double-sided pages and output to PDF, select Process (7)Scan Only, then
    select Auto Process. After the front sides of the pages are scanned, select
    Other Side from the Add Pages to Scanner dialog box. This will create a TIFF
    file with all pages collated in the correct order. Once the pages are all
    scanned, select Process (7)Image File, then select Auto Process or Get Page
    to process the image file you created.

-   While TextBridge is processing, if you click on any menu item, TextBridge
    processing will pause until the drop down menu is closed.

INTEGRATION WITH PAGIS

Pagis includes an earlier version of TextBridge. If you already have Pagis
installed on your PC, installing TextBridge Pro 98 will update Pagis to use
TextBridge Pro 98. Pagis is updated as follows:

-   INDEXING - Pagis will use TextBridge Pro 98 for indexing when pages are
    scanned.

-   SEND TO BAR - TextBridge Pro 98 is added to the Pagis Send To bar. The
    earlier version of TextBridge is not automatically removed. To remove that
    previous version of TextBridge, open the Send To folder in your Windows
    folder and delete that TextBridge shortcut.

-   IMAGE FILE CONTEXT MENU - TextBridge Pro 98 is added to the Send To options
    when you right-click on an image file icon.

-   DRAG AND DROP IMAGE FILES - When you drag an image file to a Pagis
    registered text application, TextBridge Pro 98 will be used to convert the
    image to text.

-   PAGIS START MENU - TextBridge Pro 98 is NOT automatically added to the Pagis
    group in the Windows Start menu. To add TextBridge Pro 98, in your Windows
    folder copy the shortcut to TextBridge Pro 98 from the Start Menu (7)
    Programs (7) TextBridge Pro 98 folder to the Start Menu (7) Programs (7)
    Pagis Pro 97 folder.

If you uninstall TextBridge Pro 98, Pagis will revert to using the bundled
TextBridge.

The first time you drag and drop a TIF or XIF file onto the WORDPERFECT 8.0
entry in the Pagis SendTo bar, the file will not be recognized. Simply repeat
the drag and drop process, and recognition will proceed as usual for this file
and for any subsequent files. In other words, this only happens once during the
first drag and drop activity.

SUPPORTED SCANNERS

<PAGE>   22

TextBridge Pro supports scanners that are controlled by ISIS and TWAIN scanner
drivers. For the most current list of all supported scanners by model number and
platform, please visit our web site at WWW.TEXTBRIDGE.COM.

TWAIN SOURCE DRIVERS (.DS FILES) MUST BE PROVIDED BY THE SCANNER MANUFACTURER.
When these are installed on your PC, they are located in Windows\TWAIN or
TWAIN_32. TextBridge Pro provides a TWAIN interface that communicates with these
TWAIN source drivers, supporting any fully TWAIN-compliant scanner or other
input device that can supply a binary (black and white) image in a supported
resolution (72 to 900 dots per inch).

SCANNER NOTES

This section discusses a number of points relating to using scanners with
TextBridge Pro.

-   For most OCR jobs, scanning should be done at 300 DPI for best results. For
    documents with type smaller than 8 point, scanning at 400 dpi may provide
    improved recognition.

-   TEXTBRIDGE SCANNER SETUP allows you to use the native TWAIN INTERFACE or the
    TextBridge user interface. This option works well with some TWAIN drivers,
    such as MICROTEK and EPSON. However, some scanners may not work with the
    TextBridge user interface as well as with the native TWAIN interface. For
    example, MUSTEK, ARTEC, and CANON will not perform correctly unless they use
    their own native scanning settings dialogs. You can try each and decide
    which works best for you.

-   Some TWAIN SOURCE DRIVERS, when activated, display their user interface
    window behind TextBridge Pro's main window. To access the TWAIN interface,
    you need to ALT+TAB to the TWAIN screen.

-   In order to select a TWAIN driver, you must know the name of the driver. The
    NAME OF THE TWAIN DRIVER may not be the same as the name or model of the
    scanner. Refer to your scanner documentation to find the driver name. (For
    example, if you want to choose the HP SCANJET 4C TWAIN driver, it is not
    listed with the other HP scanners. It is listed alphabetically under
    DESKSCAN.)

-   If the wrong TWAIN DRIVER is selected, TextBridge may lockup while starting.
    In the event that TextBridge locks up, run the scnsetup program in the
    TextBridge Bin folder. Select the appropriate scanner driver.

-   Although TextBridge supports scanning BUSINESS CARDS through the scanner
    ADF, it is recommended that you use the scanner flatbed.

-   Many FLATBED SCANNERS do not have a platen large enough for a LEGAL PAGE.
    These scanners will scan to their platen length if you select "Legal" page
    size. To scan legal size pages on scanners whose platen's are smaller than
    legal page size, you must use an ADF.

-   TWAIN drivers may allow you to select LEGAL PAGE size in the Page Type tab
    of the Settings dialog box. However, if the ISIS ASPI SCANNER is selected,
    the legal size may not be available.

-   If you are using an ISIS driver under NT 4.0, you need to make sure you have
    an ASPI MANAGER loaded and running so you can communicate with your scanner.

    To check if you have an ASPI manager running, check Control Panel->Devices
    for an ASPI32 device that has a status of "Started" and Startup of
    "Automatic." If you do not see this, you will need to get an ASPI manager
    from one of the following sources:

    a) Adaptec's EZ-SCSI 4.0 or higher CD

<PAGE>   23

    b) If you own an Adaptec SCSI card, download the ASPI32.EXE from Adaptec's
    website at: http://www.adaptec.com/support/BBS_EZSCSI.html#EZSCSI

    Follow Adaptec's instructions for installing this device. Your system
    administrator may have to perform these steps.

-   If you are using a SHEETFED scanner, the Automatic Document Feeder (ADF)
    selection may be available. Make sure the ADF OPTION IS NOT SELECTED.

ACERSCAN

    Use the 16-bit TWAIN driver and the native TWAIN interface with the ACERSCAN
    300F.

AVISION

    The AVISION AV360C TWAIN driver does not support scanning at 400 dpi or
higher.

CANON

    If you receive a scanner failure message with the CANON IX-4015 scanner, try
    removing the scanner driver \win95\pixtran\canon.pxw and reinstall
    TextBridge.

EPSON

    When you use the Scan Only command with an EPSON ES-1000C WITH ADF, if the
    scanner jams, you do not get a message. The progress dialog box stays on
    scanning. If you press CTRL+ALT+DELETE to bring up the Close Program dialog
    box, you can see that Icrsrv32 is not responding. You must highlight
    lcrsrv32 and press the End Task button and follow the same procedure for
    TextBridge. Be sure to properly Shut Down your system and reboot your
    computer, and also turn your scanner off and then on again to get the
    scanner back.

    This does not happen with the Epson ES-1200C.

HEWLETT-PACKARD

    HP ACCUPAGE scanner drivers are not supported.

    HP IIP AND IIC scanners will not work with certain host adapter/SCSI device
    software combinations. For instance, with the AHA154x series adapters, you
    need to be running the Adaptec version of AHA154x.mdp device driver (on the
    Win95 CD ROM) because it will not work with the Microsoft version of
    AHA154x.mdp that is installed by default when Win95 is installed on a
    system. It is not known if there is an equivalent replacement for the
    AHA294x.mdp driver. Check the Microsoft web page for device driver updates.

LOGITECH

    The LOGITECH PAGESCAN incorporates the TextBridge OCR engine and also has
    built-in page sensing technology. To use the PageScan scanner with
    TextBridge Pro, and avoid conflicts with the PageScan software, you need to
    operate in a particular sequence.

    The key is to start up TextBridge Pro BEFORE putting a page in the scanner.
    Otherwise, the page sensing feature will activate the PageScan software. If
    you have not already set up the PageScan scanner as the TextBridge Pro
    scanner, use the Select Scanner/Source command under the File menu. Select
    TWAIN, then select PageScan in the TWAIN Select Source dialog.

    From TextBridge Pro, click the Go button. This should display the Logitech
    PageScan Color TWAIN interface should appear. From there, select Black Line
    Drawing. (You can also go into the Advanced ... options to view or change
    the scan resolution or scanner brightness settings.)

    At this stage, you can put a page in the scanner and click the Scan Now
    button. When you have finished scanning, TextBridge Pro recognizes the
    document, and you can save the recognized text to the file format of choice.

<PAGE>   24

MICROTEK

    MICROTEK E3 scanner platen is short of the needed 14 inches for a LEGAL PAGE
    scan. If you use the TWAIN Scanwizard 2.3 (16 or 32 bit) and scan a legal
    size page with the document feeder, the preview image in TextBridge cuts off
    the bottom 3 inches of the page. If you select the ISIS ASPI scanner, the
    legal size is not available.

MUSTEK

    When using a MUSTEK scanner, use the Mustek TWAIN user interface. Do not
    configure the scanner to use the TextBridge user interface.

STORM EASY PHOTO SMARTPAGE

    When scanning multiple page documents, an extra warning dialog box is
    displayed after the last page has been scanned. Ignore the message and click
    OK. No information will be lost.

VISIONEER PAPERPORT

    No scanner driver is required for VISIONEER PAPERPORT scanners. TextBridge
    does not drive the scanner; Visioneer's Paperport Software does. In the
    Select Scanner dialog box, select No Scanner. TextBridge provides an
    automatic link to the word processor icons on the Paperport desktop.

    To access TextBridge Pro98 from within the Paperport desktop:

    1.  Go to the Link Preferences command in the Edit menu.

    2.  Select your word processor's icon.

    3.  Click on the OCR Application down arrow.

    4.  Choose TextBridge OCR.

    5.  Click on OCR Settings.

    6.  Select a page type and any other options you want to use.

    7.  Click on OK to save changes.

    When you are done with settings, scan a document in PaperPort, as you
    normally would. Then, drag it to your word processor icon, and TextBridge
    Pro recognition will automatically be launched. When OCR is complete, the
    recognized document is automatically opened in your word processor.

    Please refer to the PaperPort User's Guide for complete information.

    NOTE: The link between the TextBridge and the Visioneer Paperport software
    will only work with Visioneer Paperport Version 4.0 or later.

ISIS DRIVERS

TextBridge Pro provides the following ISIS DRIVERS from Pixel Translations as a
standard part of the software.

WINDOWS 95 ISIS DRIVERS

Abaton 300S (no ADF)=ABATON2 Version 1.21
Abaton 300S (with ADF)=ABATON Version 1.21
Abaton Color (no ADF)=ABATON2 Version 1.21
Abaton Color (with ADF)=ABATON Version 1.21
Abaton GS (no ADF)=ABATON2 Version 1.21
Abaton GS (with ADF)=ABATON Version 1.21
Abaton Transcribe (no ADF)=ABATON2 Version 1.21
Abaton Transcribe (with ADF)=ABATON Version 1.21
Agfa Arcus Plus w/Adaptec=AGFA Version 1.29
Agfa Arcus w/Adaptec=AGFA Version 1.29
Agfa StudioScan II w/ASPI=AGFAASPI Version 1.35
Agfa StudioScan II w/PCZ SCSI=AGFAPCZ Version 1.35

<PAGE>   25

Agfa StudioScan II w/PNR SCSI=AGFAPNR Version 1.35
Agfa StudioScan w/ASPI=AGFAASPI Version 1.35
Agfa StudioScan w/PCZ SCSI=AGFAPCZ Version 1.35
Agfa StudioScan w/PNR SCSI=AGFAPNR Version 1.35
Agfa StudioStar w/ASPI=AGFAASPI Version 1.35
Apple Color One 1200/30=APPLEONE Version 1.31
Apple Color One 600/27=APPLEONE Version 1.31
Apple OneScanner=APPLE Version 1.8
AVision Scanner Series=AVISION
AVR scanner=AVR2 Version 1.30
Canofile 510=CANOFILE Version 1.9
Canofile 520=CANOFILE Version 1.9
Canon CanoScan 300 w/ASPI=CANON Version 1.32
Canon CanoScan 600 w/ASPI=CANON Version 1.32
Canon GP55F (w/Fax Board) w/SCSI=GP55 Version 1.3
Canon IX-12 Feeder=CAIX12FD Version 1.20
Canon IX-12 Flatbed (Adf Optional)=CAIX12FT Version 1.20
Canon IX-12=CAIX12 Version 1.20
Canon IX-12F=CAIX12 Version 1.20
Canon IX-3010 w/ASPI=CANON Version 1.32
Canon IX-3010 w/SI4=CANONSI Version 1.32
Canon IX-30F=CAIX30 Version 1.8
Canon IX-4015 w/ASPI=CANON Version 1.32
Canon IX-4015 w/SI4=CANONSI Version 1.32
Canon IX-4025 w/ASPI=CANON Version 1.32
Chinon DS-3000=CHINON Version 0.2
Complete PC Scanner (no detect)=CPCF Version 1.2
Complete PC Scanner=CPC Version 1.2
Envision 24 Pro=ENVISION Version 1.32
ENVISION 6600S w/ASPI=VISTASPI Version 1.29
ENVISION 6600S w/UMAX UDS-11=VISTA Version 1.29
ENVISION 8800S w/ASPI=VISTASPI Version 1.29
ENVISION 8800S w/UMAX UDS-11=VISTA Version 1.29
ENVISION Dynamic Pro 3.0 w/ASPI=VISTASPI Version 1.29
ENVISION Dynamic Pro 3.0 w/UMAX UDS-11=VISTA Version 1.29
Envision ENV 6100=ENVISION Version 1.32
Envision ENV 8100=ENVISION Version 1.32
Epson ES-1000C=EPSON Version 1.68
Epson ES-1200C=EPSON Version 1.68
Epson ES-1400C=EPSON Version 1.68
Epson ES-300C=EPSON Version 1.68
Epson ES-300GS=EPSON Version 1.68
Epson ES-600C=EPSON Version 1.68
Epson ES-800C=EPSON Version 1.68
Epson Expression 636=EPSON Version 1.68
Epson GT-4000=EPSON Version 1.68
Epson GT-6000=EPSON Version 1.68
Epson GT-6500=EPSON Version 1.68
Epson GT-8000=EPSON Version 1.68
Epson GT-8500=EPSON Version 1.68
Epson GT-9000=EPSON Version 1.68
Epson GT-9500=EPSON Version 1.68
Epson Scanner (Generic Model)=EPSON Version 1.68
Fujitsu M3093DG=FUJIGINE Version 1.141
Fujitsu M3093GX=FUJIGINE Version 1.141
Fujitsu M3096G=FUJIGINE Version 1.141
Fujitsu M3096GX=FUJIGINE Version 1.141
Fujitsu M3097G=FUJIGINE Version 1.141

<PAGE>   26

Fujitsu ScanPartner 10=FJSP Version 1.141
Fujitsu ScanPartner 10C=FJSP Version 1.141
Fujitsu ScanPartner 600C=FJSP Version 1.141
Fujitsu ScanPartner E.O.=FUJIGIN3 Version 1.141
Fujitsu ScanPartner Jr.=FJSP Version 1.141
Howtek Personal Color Scanner=HOWTEK Version  1.10
HP Scanjet 3c=SCANJET Version 1.40
HP Scanjet 4c=SCANJET Version 1.40
HP Scanjet 4p=SCANJET Version 1.40
HP Scanjet 5p=SCANJET Version 1.40
HP Scanjet IIc=SCANJET Version 1.40
HP Scanjet IIcx=SCANJET Version 1.40
HP Scanjet IIIp=SCANJET Version 1.40
HP Scanjet IIp=SCANJET Version 1.40
HP Scanjet Plus=SCANJET Version 1.40
HP Scanjet=SCANJET Version 1.40
IBM PageScanner, Adapter 3119/A=IBM_3119 Version 1.24
LeoScan Scanner=LEOSCAN Version 1.01
Microtek MS-II w/Page Detect=MSII Version 1.44
Microtek ScanMaker E3 w/ASPI=MKTKASPI Version 1.35
Microtek ScanMaker E3 w/Microtek PCZ SCSI=MKTKPZ Version 1.35
Microtek ScanMaker E3 w/Microtek PNR SCSI=MKTKPNR Version 1.35
Microtek ScanMaker E6 w/ASPI=MKTKASPI Version 1.35
Microtek ScanMaker E6 w/Microtek PCZ SCSI=MKTKPZ Version 1.35
Microtek ScanMaker E6 w/Microtek PNR SCSI=MKTKPNR Version 1.35
Microtek ScanMaker II=SCNMKRII Version 1.53
Microtek ScanMaker IIhr w/ASPI=MKTKASPI Version 1.35
Microtek ScanMaker IIhr w/Microtek PCZ SCSI=MKTKPZ Version 1.35
Microtek ScanMaker IIhr w/Microtek PNR SCSI=MKTKPNR Version 1.35
Microtek ScanMaker III w/ASPI=MKTKASPI Version 1.35
Microtek ScanMaker III w/Microtek PCZ SCSI=MKTKPZ Version 1.35
Microtek ScanMaker III w/Microtek PNR SCSI=MKTKPNR Version 1.35
Microtek Scanner=MKTK_AT Version 1.47
Nikon SCANTOUCH Scanner=NIKON Version 1.9
Okidata DOC-IT 3000=DOCIT Version 1.30
Okidata DOC-IT 4000=DOCIT Version 1.30
Panasonic FX-RS 505, 506, and 307=PANA Version  1.3
Panasonic KV-SS25 w/SCSI=PANASCSI Version 1.47
Panasonic KV-SS50 w/SCSI=PANASCSI Version 1.47
Panasonic KV-SS50EX w/SCSI=PANASCSI Version 1.47
Panasonic KV-SS55 w/SCSI=PANASCSI Version 1.47
Panasonic KV-SS55EX w/SCSI=PANASCSI Version 1.47
Panasonic KV-SS60EX w/SCSI=PANASCSI Version 1.47
Panasonic KV-SS60N w/SCSI=PANASCSI Version 1.47
Panasonic KV-SS65EX w/SCSI=PANASCSI Version 1.47
Panasonic KV-SS65N w/SCSI=PANASCSI Version 1.47
Pentax IQ Scan (HP Emulation)=PENT Version 1.44
Photron w/ASPI=PHOTRON Version 1.10
Ricoh FS-2=RICOHFS2 Version 1.107
Ricoh IS-410 and IBM 2456 w/WINASPI=RICOH41W Version 1.105
Ricoh IS-410 and IBM 2456=RICOH410 Version 1.105
Ricoh IS-420=RICOH420 Version 1.133
Ricoh IS-430=RICOH420 Version 1.133
Ricoh IS-50=RICOH560 Version 1.107
Ricoh IS-510 and IS-520=RICOH520 Version 1.109
Ricoh IS-60=RICOH560 Version 1.107
Ricoh RS-2200=RS2200 Version 1.107
SAPHIR w/ASPI=VISTASPI Version 1.29
SAPHIR w/UMAX UDS-11=VISTA Version 1.29

<PAGE>   27

Sharp SCSI JX-300, JX-320, JX-325, JX-450, JX-610=SHRPSCSI Version 1.11
UMax Generic Scanner w/GSII-PC Card=UMAXGSII Version 1.29
UMax OA-I w/GSII-PC Card=UMAXGSII Version 1.29
UMAX Powerlook w/ASPI=VISTASPI Version 1.29
UMAX Powerlook w/UMAX UDS-11=VISTA Version 1.29
UMax UC1200S w/GSII-PC Card=UMAXGSII Version 1.29
UMax UC1200SE w/GSII-PC Card=UMAXGSII Version 1.29
UMax UC1260 w/GSII-PC Card=UMAXGSII Version 1.29
UMax UC300 w/GSII-PC Card=UMAXGSII Version 1.29
UMax UC630 w/GSII-PC Card=UMAXGSII Version 1.29
UMax UC840 w/GSII-PC Card=UMAXGSII Version 1.29
UMax UG630 w/GSII-PC Card=UMAXGSII Version 1.29
UMax UG80 w/GSII-PC Card=UMAXGSII Version 1.29
UMAX VISTA S-6 w/ASPI=VISTASPI Version 1.29
UMAX VISTA S-6 w/UMAX UDS-11=VISTA Version 1.29
UMAX VISTA S-8 w/ASPI=VISTASPI Version 1.29
UMAX VISTA S-8 w/UMAX UDS-11=VISTA Version 1.29
UMAX VISTA T-6 w/ASPI=VISTASPI Version 1.29
UMAX VISTA T-6 w/UMAX UDS-11=VISTA Version 1.29
Xerox 3002=X3002 Version 1.6
Xerox DocuImage 620S=DOCU620S Version  1.43

Windows NT ISIS Drivers

Apple Color One 1200/30=APPLEONE Version 1.30
Apple Color One 600/27=APPLEONE Version 1.30
Canon DR-3020=CANON_DR Version 1.19
Canon IX-3010 w/ASPI=CANON Version 1.31
Canon IX-4015 w/ASPI=CANON Version 1.31
Canon IX-4025 w/ASPI=CANON Version 1.31
Epson ES-1000C=EPSON Version 1.68
Epson ES-1200C=EPSON Version 1.68
Epson ES-1400C=EPSON Version 1.68
Epson ES-300C=EPSON Version 1.68
Epson ES-300GS=EPSON Version 1.68
Epson ES-600C=EPSON Version 1.68
Epson ES-800C=EPSON Version 1.68
Epson Expression 636=EPSON Version 1.68
Epson GT-4000=EPSON Version 1.68
Epson GT-6000=EPSON Version 1.68
Epson GT-6500=EPSON Version 1.68
Epson GT-8000=EPSON Version 1.68
Epson GT-8500=EPSON Version 1.68
Epson GT-9000=EPSON Version 1.68
Epson GT-9500=EPSON Version 1.68
Epson Scanner (Generic Model)=EPSON Version 1.68
Fujitsu M3093GX=FUJIGINE Version 1.130
Fujitsu M3096G=FUJIGINE Version 1.130
Fujitsu M3096GX=FUJIGINE Version 1.130
Fujitsu M3097G=FUJIGINE Version 1.130
Fujitsu M3192B=FUJIGIN3 Version 1.130
Fujitsu ScanPartner 10=FJSP Version 1.130
Fujitsu ScanPartner 10C=FJSP Version 1.130
Fujitsu ScanPartner 600C=FJSP Version 1.130
Fujitsu ScanPartner E.O.=FUJIGIN3 Version 1.130
Fujitsu ScanPartner Jr.=FJSP Version 1.130
HP Scanjet 3c=SCANJET Version 1.40
HP Scanjet 4c=SCANJET Version 1.40
HP Scanjet 4p=SCANJET Version 1.40

<PAGE>   28

HP Scanjet 5p=SCANJET Version 1.40
HP Scanjet IIc=SCANJET Version 1.40
HP Scanjet IIcx=SCANJET Version 1.40
HP Scanjet IIIp=SCANJET Version 1.40
HP Scanjet IIp=SCANJET Version 1.40
HP Scanjet Plus=SCANJET Version 1.40
HP Scanjet=SCANJET Version 1.40
Nikon SCANTOUCH Scanner=NIKON Version 1.12
Panasonic KV-SS25 w/SCSI=PANASCSI Version 1.42
Panasonic KV-SS50 w/SCSI=PANASCSI Version 1.42
Panasonic KV-SS50EX w/SCSI=PANASCSI Version 1.42
Panasonic KV-SS55 w/SCSI=PANASCSI Version 1.42
Panasonic KV-SS55EX w/SCSI=PANASCSI Version 1.42
Panasonic KV-SS60EX w/SCSI=PANASCSI Version 1.42
Panasonic KV-SS60N w/SCSI=PANASCSI Version 1.42
Panasonic KV-SS65EX w/SCSI=PANASCSI Version 1.42
Panasonic KV-SS65N w/SCSI=PANASCSI Version 1.42
Ricoh FS-2=RICOHFS2 Version 1.106
Ricoh IS-410 and IBM 2456=RICOH410 Version 1.58
Ricoh IS-420=RICOH420 Version 1.128
Ricoh IS-430=RICOH420 Version 1.128
Ricoh IS-50=RICOH560 Version 1.106
Ricoh IS-510 and IS-520=RICOH520 Version 1.109
Ricoh IS-60=RICOH560 Version 1.106
Ricoh RS-2200=RS2200 Version 1.107<PAGE>   1
                                  EXHIBIT 10.1

                        DNA SPECIMEN REPOSITORY AGREEMENT

         Agreement made this 21st day of June, 1995 between the UNIVERSITY OF
NORTH TEXAS HEALTH SCIENCE CENTER AT FORTH WORTH ("UNTHSC"), an entity of the
State of Texas located in Fort Worth, Texas, and GENELINK, INC. ("GeneLink"), a
Pennsylvania corporation, with its principal office located in Margate, New
Jersey.

         NOW, THEREFORE, in consideration of the premises hereinafter set forth,
the parties hereto mutually covenant and agree as follows:

         1. Purpose. GeneLink has originated a program to market DNA Collection
Kits(TM) ("Kits") by which an individual (the "Client") can obtain his or her
DNA specimens ("Specimens") which will then be preserved for 25 years and be
available for various DNA laboratory analysis from time-to-time. A Kit shall be
used by one individual Client to furnish Specimens of that one individual.
UNTHSC is willing to serve as the repository to receive and extract the
Specimens, preserve them for a period of 25 years and make them available for
analysis, on the terms set forth in this Agreement.

         2. Term.

                  2.1 GeneLink shall designate by notice to UNTHSC the
commencement date of this Agreement, which shall be when GeneLink commences the
sale of Kits and after GeneLink has paid the $13,600 referred to in Section 9.5
below ("Effective Date"). In no event shall the Effective Date be later than
April 30, 1996. Unless sooner terminated in the manner set forth below, the
primary term of this Agreement shall be for a period of five years after the
Effective Date, the parties shall negotiate a possible renewal of the Agreement,
but there shall be no obligation to renew.

                  2.2 The expiration or earlier termination of the term of this
Agreement shall relieve UNTHSC of the responsibility to continue to receive new
Specimens. It shall not relieve UNTHSC of the responsibilities to continue to
preserve Specimens already received by it for the full period of 25 years from
time of receipt of the Specimens, and to retrieve such Specimens for analysis,
as provided below, nor shall it relieve GeneLink of its obligations hereunder
with regard to such preserved Specimens; provided, however, that at any time
after the expiration or earlier termination of this Agreement GeneLink may
elect, at its expense, to transfer the Specimens to another repository, and
UNTHSC shall cooperate with GeneLink in arranging such transfer.

         3. Exclusivity.

                  3.1 Within the United States of America, UNTHSC agrees that it
will not during the term of this Agreement and for a period of one year after
termination of this Agreement, engage in any business or perform any service,
directly or indirectly, in competition with the business of GeneLink, or have
any interest, whether as proprietor, partner, stockholder, principal, agent,

                                       1
<PAGE>   2
consultant, or in any other capacity or manner whatsoever, in any enterprise
which shall so engage, but only to the extent that UNTHSC's purpose of such
interest is to provide long-term DNA specimen preservation services which is in
competition with the business of GeneLink. For purposes of this Section 3.1,
"business of GeneLink" shall not include the provision of analysis and
extraction of DNA, including, without limitation, the DNA analysis and
extraction services currently provided by UNTHSC. During the period of one year
after non-renewal, UNTHSC's only obligation under this Section shall be to
refrain from competing in association with those entities with which GeneLink is
doing business and which are listed by GeneLink in a notice to UNTHSC. UNTHSC
for any reason set forth in Section 4.1, then this Section shall have no effect
and UNTHSC shall not be bound by the noncompete clause incorporated herein.

                  3.2 During the term of this Agreement, GeneLink agrees not to
engage any entity other than UNTHSC to provide long-term preservation of
Specimens for GeneLink's clients.

         4. Termination.

                  4.1 Subject to Section 2.2 above, either party ("Terminating
Party") may elect immediately to terminate this Agreement prior to the end of
the term in the event that the other party ("Defaulting Party"): (1) dissolves,
disbands, or a liquidator or trustee is appointed or takes possession of the
Defaulting Party's property and such appointment or possession remains in effect
for more than 90 days; (2) is adjudicated bankrupt or insolvent or a petition is
filed against it under any bankruptcy law and is not dismissed within 90 days
after filing; (3) fails to account and/or make any payment due hereunder, and
such failure is not cured within 30 days after written notice is given; (4)
fails in any material and substantial manner to perform any other obligation
required of it hereunder and such failure is not cured within 30 days after
written notice thereof is given; or (5) is found by a court of competent
jurisdiction to have engaged in material acts of deceit or fraud, and all
applicable appeal periods have expired without any appeals being filed, or if
any appeals have been filed, a final, unappealable decision has affirmed such
finding.

                  4.2 Termination shall be effected by the Terminating Party
providing notice in accordance with this Agreement to the other party declaring
its election to terminate. Termination shall not affect any right of either
party which accrued prior to such termination. Termination shall be without any
further liability on the part of the Terminating Party. In the event of
termination under clause (1) or (2) of subsection 4.1, if no successor is
performing GeneLink's obligations under this Agreement, then GeneLink shall make
available to UNTHSC the names and addresses of each Client and his
identification number and his payment history, so that UNTHSC can identify
Clients requesting retrieval of Specimens.

         5. The Kits.

                  5.1 GeneLink shall furnish to UNTHSC prototype of any versions
of Kits that it puts into production from time-to-time, and UNTHSC shall
cooperate with GeneLink by promptly furnishing any comments with regard to such
prototypes. However, since the parties are independent contractors, the design,
appearance and specifications of the Kits shall be under the complete control
and responsibility of GeneLink, and UNTHSC shall have no responsibility

                                       2
<PAGE>   3
therefor, except as follows:

                           GeneLink may in its marketing of Kits state that the
                                    Specimens shall be stored at repositories
                                    located at UNTHSC and that quantitative
                                    extraction of the Specimens shall be
                                    performed by UNTHSC, or words to that
                                    effect. The parties agree that the language
                                    set forth in Exhibit C attached hereto and
                                    made a part hereof is an acceptable
                                    statement for purposes of this section, and
                                    UNTHSC shall cooperate with GeneLink in
                                    approving unreasonably withheld or delayed.
                                    GeneLink shall obtain the written approval
                                    of UNTHSC prior to using the name of UNTHSC
                                    in its advertising, marketing, distributing
                                    or selling of the Kits, or in any other
                                    manner, other than as stated in this section
                                    and Exhibit C, and Section 7.4.

                           UNTHSC shall approve in writing: (a) the
                                    specifications for the implement which the
                                    Client shall use in collecting the Specimen;
                                    (b) the Client instructions included with
                                    the Kit; and (c) any written instructions
                                    inclusive of the data from furnished by
                                    GeneLink to the Client in connection with
                                    retrieval of Specimens as described below,
                                    which approvals shall not be unreasonably
                                    withheld or delayed. GeneLink agrees that
                                    the Client instructions or any data form
                                    included with the Kit shall refer to the
                                    repository, the disposal of Specimens at the
                                    end of the 25 years, confidentiality of the
                                    Client's name, and a statement that the
                                    Specimen may not be appropriate for certain
                                    types of genetic analysis. If GeneLink shall
                                    submit a specification or instruction in
                                    writing to UNTHSC, UNTHSC shall have been
                                    deemed to approve such specification or
                                    instruction unless it notifies GeneLink in
                                    writing within 30 days after receipt
                                    thereof. The parties agree that initially
                                    the specification for the swabs set forth in
                                    Exhibit D attached hereto and made a part
                                    hereof and the collection procedure
                                    described in Exhibit A are approved by the
                                    parties.

         Unless otherwise agreed by the parties, each Kit shall contain 21 bar
                                    coded labels, with an adhesive that is
                                    mutually acceptable to the parties, which
                                    acceptance shall not be unreasonably
                                    withheld or delayed.

         6. Full Requirements. In performing its services of collecting,
preserving and retrieving Specimens as provided herein, UNTHSC shall maintain
such staff and facilities as may be necessary to meet the full requirements of
GeneLink under this Agreement. The parties recognize that the program is a new
venture and that it is not possible to predict accurately the volume of
Specimens that may be received. The parties recognize that the success of
GeneLink's program will depend, in part, on the ability of UNTHSC to process,
and preserve and retrieve Specimens in whatever quantity GeneLink is able to
produce. GeneLink will cooperate with UNTHSC in advising UNTHSC on the first and
fifteenth of each month of the expected volume of Specimens, and UNTHSC shall be
responsible for process, preserving and retrieving under this

                                       3
<PAGE>   4
Agreement whatever quantity of Specimens is required by GeneLink to serve its
Clients.

         7. Collection Procedure.

                  7.1 GeneLink or the Client shall ship to UNTHSC the Specimens,
which shall contain a number for identification purposes. GeneLink shall
maintain the record of the Client name identified with each number, and UNTHSC
shall be furnished only the numbers for each Specimen.

                  7.2 UNTHSC shall furnish at the UNTHSC campus and shall
maintain during the term of this Agreement and for a period of 25 years from the
time the last Specimen is received pursuant to this Agreement, a repository
sufficient to store and preserve all Specimens furnished pursuant to this
Agreement and shall maintain the repository in accordance with the following
conditions:

                           Two separate freezers used to store Specimens shall
                                    be kept at a minimum temperature of -20
                                    degrees celcius at all times; provided,
                                    however, that UNTHSC may designate another
                                    minimum temperature that will prohibit
                                    bacteriological growth and maintain the
                                    integrity of the Specimen, subject to the
                                    consent of GeneLink, which consent shall not
                                    be unreasonably withheld.

                           The Specimens shall be kept in a secured environment,
                                    with an alarm system to notify UNTHSC
                                    security of unauthorized entry or of any
                                    failure of freezer temperature.

                           The repository shall be staffed on an 8 hour per
                                    day/40 hour per week basis. The repository
                                    shall be closed in accordance with the
                                    holiday schedule and emergencies declared by
                                    administration of UNTHSC.

                           UNTHSC shall maintain a data base for the repository
                                    which shall contain information regarding
                                    receipt and storage of all Specimens in
                                    accordance with their identification number.

                  7.3 UNTHSC shall maintain computer contact with GeneLink for
quick and efficient communication.

                  7.4 UNTHSC shall provide to GeneLink written and pictorial
material describing the repository, UNTHSC and its personnel that shall be
suitable for promotional use by GeneLink if it should choose to do so, and
UNTHSC hereby authorized such use.

                  7.5 UNTHSC shall process Specimens received pursuant to this
Agreement within three working days of receipt.

                                       4
<PAGE>   5
                  7.6 Upon receipt of Specimen, UNTHSC shall:

                           Enter the identification number of the Specimens that
                                    it receives into the repository data base
                                    immediately upon receipt, and advise
                                    GeneLink thereof on a daily basis.

                           Provide technicians and equipment necessary to
                                    extract the DNA from the swabs in accordance
                                    with the procedure set forth in Exhibit A
                                    hereto, which is incorporated by reference
                                    into this Agreement. UNTHSC may in writing
                                    from time-to-time adopt other scientifically
                                    acceptable PROCEDURES THAT ARE EQUIVALENT IN
                                    ACCURACY TO THE PROCEDURES SET FORTH IN
                                    exhibit a, and shall advise GeneLink of any
                                    such new procedure. In case of objection by
                                    GeneLink, the parties shall meet and attempt
                                    to resolve the matter. UNTHSC shall seek to
                                    extract all available human specific DNA.

                           Preserve the Specimen (if at least 4,5000 nanograms
                                    of human specific DNA), half in each of the
                                    two freezers for a period of 25 years form
                                    the date of receipt, and advise GeneLink on
                                    a daily basis of the Specimens on that day
                                    placed in the freezers and the
                                    semi-quantitative approximate of the total
                                    quantity of DNA in each Specimen.

                  7.7 UNTHSC shall not be responsible for determining the length
of the DNA from a Specimen. both parties acknowledge that by not determining the
length of the DNA, certain analytical DNA procedures may not be able to be
performed.

                  7.8 In the event that the testing of the Specimen by UNTHSC
determines that a Client's Specimen does not yield at least 4,500 nanograms of
DNA, UNTHSC shall preserve the Specimen, notify GeneLink, and GeneLink shall
seek to obtain new Specimens from such Client to replace the initial Specimen.

                  7.9 Upon placing the Specimen in the freezer, and UNTHSC's
receipt of payment as provided herein, UNTHSC shall issue a certificate to be
sent to the Client by GeneLink which shall certify that UNTHSC is preserving the
Specimen in it repository for the 25 year period. The form of the certificate
shall be agreed to in writing form time-to-time by the parties. the parties
agree that initially the form attached hereto as Exhibit F shall be the form of
the certificate.

                  7.10 In the event that shipping instructions and payment of
reasonable shipping and handling costs have not been received by UNTHSC within
90 days after the expiration of the 25 year preservation period, UNTHSC shall,
at its sole option, ship within the Untied States at UNTHSC's cost, outdated
Specimens to a GeneLink location or subsequent repository as designated by
GeneLink, in group mailings at intervals to be determined by UNTHSC, or
otherwise

                                       5
<PAGE>   6
discard the Specimens in accordance with applicable law.

         8. Retrieval and Analysis of Specimens.

                  8.1 GeneLink shall advise UNTHSC when a Client wishes to
retrieve Specimens for analysis and furnish a copy of the Client's consent. Such
consent shall conform with applicable state and federal law. Analysis shall be
performed at such laboratory as the Client shall designate. If UNTHSC shall have
the capability to perform such analysis, GeneLink will include UNTHSC on the
same basis as other qualified laboratories in whatever information about
specific testing laboratories, if any, GeneLink furnishes to the Client or its
representatives.

                  8.2 Upon being notified by GeneLink that a Client wishes to
access a Specimen, UNTHSC shall within three business days retrieve the
requested Specimens in accordance with the procedures set forth in Exhibit B
attached hereto and incorporated by reference to this Agreement; test the
Specimen for efficacy; package and send the appropriate portion of the Specimen
as directed by GeneLink; and return the unused portion of the Specimen to
storage.

                  8.3 The size of the portion of the Specimen to be removed
shall be determined by the testing laboratory authorized to perform the Client
order test.

                  8.4 UNTHSC does not guarantee and shall not be held
responsible for the number of genetic tests that can be performed on an
individual's stored DNA during the storage period.

                  8.5 GeneLink shall be responsible for collecting retrieval
fees from the Client and paying UNTHSC the appropriate fees prior to the
retrieval and testing of Specimens.

                  8.6 UNTHSC shall advise GeneLink on a daily basis of the
Specimens shipped to laboratories for analysis.

         9. Payment.

                  9.1 Subject to Section 9.6 below, on or before the 15th day of
each month of the term of this Agreement (or the next succeeding business day),
GeneLink shall pay UNTHSC [Confidential Information filed separately with the
Securities and Exchange Commission] per Client submitting Specimens to UNTHSC
during the previous month. Such payment shall constitute the entire fee for the
DNA extraction and 25 year storage of such Specimen by UNTHSC as provided
herein. Such payment shall be made by GeneLink without regard to the Client's
payment or non-payment to GeneLink.

                  9.2 At the time of each payment in accordance with Section
9.1, GeneLink shall also pay UNTHSC [Confidential Information filed separately
with the Securities and Exchange Commission] for or any Client submitting
additional Specimens to UNTHSC during the previous month in order to replace or
supplement deficient Specimens. Such payment shall constitute the entire fee for
the quantitative extraction and 25 year storage of such additional Specimens.
Such

                                       6
<PAGE>   7
payment shall be made by GeneLink without regard to the individual's payment or
non-payment to GeneLink.

                  9.3 In the development of GeneLink's program, the selection of
collection materials and the development of the procedure for collection set
forth in Exhibit A, GeneLink has relied upon the advise and assistance of
UNTHSC. If an excessive number of Specimens, for whatever reason, do not contain
the required minimum amount of DNA, then UNTHSC shall work with GeneLink to
resolve the problem.

                  9.4 Prior to the Effective Date of this Agreement, GeneLink
shall pay to UNTHSC $13,600 to be used for the establishment of the
repositories, approximately as set forth on a capital expenses budget submitted
by UNTHSC to GeneLink prior to the date hereof. Any of such amount that is not
used by UNTHSC for such purpose, shall be returned to GeneLink.

                  9.5 As the sole method to repay such $13,600 advance, the
payments to UNTHSC in Section 9.1 of this Agreement shall be [Confidential
Information filed separately with the Securities and Exchange Commission] for
the first 5,667 individuals submitting original Specimens. In the event that a
portion of the advance is returned to GeneLink pursuant to Section 9.4, the
number of individuals specified in this Section shall decrease proportionally so
that the amount of repayment equals the advance amount actually used by UNTHSC.

                  9.6 For UNTHSC's services in retrieving Specimens for analysis
in accordance with exhibit B, GeneLink shall pay UNTHSC a retrieval fee of
[Confidential Information filed separately with the Securities and Exchange
Commission] per Specimen retrieved. In addition to the retrieval fee, UNTHSC
shall be paid [Confidential Information filed separately with the Securities and
Exchange Commission] per daily shipment to a particular laboratory for handling
the shipment, and GeneLink shall be responsible for the actual shipping charge
and out-of-pocket cost of packaging material. Payments under this Section shall
be on the same terms as specified in Section 9.1.

                  9.7 If, after the expiration of the term or the earlier
termination to this Agreement, Specimens are sent by Clients to UNTHSC, UNTHSC
will forward the Specimens as directed by GeneLink, and GeneLink shall pay the
same amounts as applicable for shipment of Specimens under Section 9.6.

         10. Notices. All notices required hereunder shall be sufficient only if
in writing and shall be deemed to have been given if delivered (including by
nationally recognized overnight delivery service) or mailed by certified mail,
return receipt requested, postage prepaid, or by facsimile (receipt confirmed):

                           If to GeneLink, addressed to:

                                    P.O. Box 3212
                                    100 S. Thurlow Avenue
                                    Margate, NJ 08402

                                       7
<PAGE>   8
                                    Attn: Mr. John R. DePhillipo
                                    Fax No.: (609) 823-6616

                           with a copy to:

                                    Steven J. Serling, Esquire
                                    Pelino & Lentz, P.C.
                                    One Liberty Place, 32nd Floor
                                    1650 Market Street
                                    Philadelphia, PA 19103-7393
                                    Fax No.:  (215) 665-1536

                           if to UNTHSC, addressed to:

                                    University of North Texas Health Science
                                    Center at Fort Worth
                                    35 Camp Bowie Boulevard
                                    Fort Worth, TX 76107
                                    Attn: Mr. Dennis Shingleton
                                    Fax No.: (817) 735-2424

or such other address as the party to receive the notice shall advise by due
notice hereunder. Notices shall be effective the earlier of receipt or five days
after dispatch.

         11. Independent Contractor. This Agreement is not intended as and shall
not be construed as a brokerage agreement or an agreement of joint venture or
partnership or of employment by either party of the other or of its employees.
UNTHSC shall perform all work and services hereunder as an independent
contractor and shall not be an officer, agent, servant or employee of GeneLink.
UNTHSC shall have exclusive control, and the exclusive right to control, the
details of the work and services performed hereunder, and all persons performing
same. Neither UNTHSC nor GeneLink shall incur any indebtedness, enter into any
undertaking or make any commitment in the other party's name or purporting to be
on the other party's behalf except with the express written permission of the
other party.

         12. Standard and Care.

                  12.1 The services to be provided by UNTHSC hereunder shall be
diligently performed with UNTHSC's ordinary and prudent skill and attention and
in conformity with this Agreement and its various exhibits and with the level of
skill appropriate for the preservation and testing of DNA material. without
limiting the foregoing, UNTHSC agrees to be reasonable for all Specimens lost or
damaged while in its possession or control.
GeneLink shall use due care in the performance of its obligations hereunder.

                  12.2 To the extent permitted by the laws of Texas, UNTHSC
agrees to indemnify and hold harmless GeneLink, its officers, directors,
shareholders and employees from any and all

                                       8
<PAGE>   9
demands, actions, suits, claims, liability, damage, cost or expense, that arise
out of or in connection with the performance by UNTHSC of its duties hereunder,
except for and to the extent of any action or inaction of GeneLink, its officers
or employees, or agents.

                  12.3 GeneLink agrees to indemnify and hold harmless UNTHSC,
its Board of Regents, officers and employees from any and all demands, actions,
suits, claims, liability, damage, cost or expense, that arise out of or in
connection with the development, manufacturing, advertising, marketing,
distribution, sale, use or misuse of the Kits, whether arising out of the acts
or omissions of GeneLink, its officers, employees or agent, or otherwise, except
for and to the extent of any action or inaction of UNTHSC, its officers or
employees, or agents.

         13. Confidential Information.

                  13.1 It is understood that in the performance of its services
under this Agreement, UNTHSC may have access to private or confidential
information of Clients. UNTHSC shall use its best efforts to keep, and have its
employees and agents keep, any and all such information confidential and to use
such information only for the purposes of fulfilling its services under this
Agreement or otherwise as agreed to by the Client. this provision shall not
prohibit UNTHSC from disclosing such information to persons required to have
access thereto for the performance of this Agreement, or pursuant to a
requirement of applicable federal or state law.

                  13.2 UNTHSC recognized the exclusive right of GeneLink in and
to all of the trademarks of GeneLink applied to the Kits, the GeneLink program,
and the services furnished by GeneLink hereunder and any and all of GeneLink's
copyrights of material used in connection therewith. UNTHSC acknowledges that
the system and procedures utilized by GeneLink in performing the services under
this Agreement may contain commercially valuable proprietary confidential
materials utilized by GeneLink in marketing its products are confidential
information and trade secrets which may be disclosed to UNTHSC on a confidential
basis pursuant to this Agreement. UNTHSC shall have no copyright interest,
patent rights, property rights or other interest in the services provided by
GeneLink hereunder or in any developments or improvements thereto (other than
laboratory procedures developed by UNTHSC that do not involve proprietary
material of GeneLink), whether or not presently existing, nor in any software
programs which may be developed by GeneLink to perform its services hereunder.
UNTHSC agrees to hod confidential and to use only in connection with the
services provided under this Agreement all proprietary information GeneLink
furnishes to UNTHSC, which shall have been marked "confidential" or
"proprietary." UNTHSC's obligations under this Section shall not apply to any
information that was known to UNTHSC prior to disclosure by GeneLink, or is or
becomes generally available to the public other than by breach of this Agreement
or is required to be disclosed in accordance with applicable federal or state
law.

                  13.3 In any academic publication describing its activities
under this Agreement or findings based thereon, UNTHSC shall refer to and
identify GeneLink as the provider of the GeneLink program.

         14. Authority. Each party to this Agreement represents to the other
that it has the full

                                       9
<PAGE>   10
right, power and authority to enter into and perform this Agreement in
accordance with all of the terms, provisions, covenants and conditions thereof,
and that the execution and delivery of this Agreement has been duly authorized
by proper corporate or Board of Regents action.

         15. Representation of UNTHSC. UNTHSC represents to GeneLink that, based
on UNTHSC's reasonable and prudent professional judgment, based on its
experience in working with DNA and on certain testing procedures it has employed
as described on Exhibit E attached hereto and made a part hereof, UNTHSC is not
currently aware of any scientifically accepted reason why the procedures
described in Exhibits A and B are not appropriate procedures for the purpose of
the collection and extraction of DNA; why DNA Specimens collected, preserved and
retrieved in accordance with such procedures and this Agreement should not
survive for at least 25 years or why stored Specimens should not result in
Specimen material appropriate in quality and quantity for DNA analysis by
independent commercial laboratories to identify various types of DNA related to
diseases or medical conditions.

         16. Force Majeure Clause. The parties hereto are relieved of any
liability if unable to meet the terms and conditions of this Agreement due to
any "Act of God", riots, epidemics, strikes, or any act or order which is beyond
the control of the party not in compliance; provided that it takes all
reasonable steps practical and necessary to effect prompt resumption of its
responsibilities hereunder.

         17. Non-Waiver. The failure of either party to insist upon the
performance of any term or provision of this Agreement or to exercise any right
herein conferred shall not be construed as a waiver or relinquishment of the
party's right to assert or rely upon any such term or right on any future
occasion.

         18. Assignability and Benefit. UNTHSC shall not assign its obligations
or rights hereunder. Any unauthorized assignment or delegation by UNTHSC of its
rights or duties hereunder, without the prior written consent of GeneLink, shall
b void and shall constitute a breach of this Agreement. GeneLink shall not
assign its obligations or rights hereunder without the consent of UNTHSC, which
consent shall not be unreasonably withheld or delayed (except that GeneLink may
assign to an entity controlled by or under common control with GeneLink). The
covenants herein contained shall bind and the benefits and advantages shall
inure to the respective successors and permit assignees of the parties, jointly
and severally.

         19. Compliance with Applicable Laws. Each party shall be responsible
for obtaining and maintaining at its sole expense and in its name, all licenses
and permits which such party may require in order to perform the services
described herein. UNTHSC and GeneLink shall each comply with all applicable
federal, state and local laws and regulations respectively applicable to each
party in connection with the services contemplated hereunder. both parties
represent that they have no actual knowledge that any federal, state or other
governmental regulatory approvals are required prior to the execution or
effectiveness of this Agreement. All obligations under this Agreement are
subject to any future required federal, state or other city regulatory
approvals. Each party shall use good faith efforts to obtain any such approvals
which are required because of that party's identity, status or actions, and the
other party or parties shall cooperate with any such efforts.

                                       10
<PAGE>   11
If any such approvals are required but not obtained, then, subject to the
provisions of the following sentence, the obligations to which such approvals
apply shall have no force or effect until such time or times as the required
approvals are obtained. If the unenforceability of any such obligations
materially and substantially diminishes the considerations which otherwise would
be received by any party under this Agreement, than that party may terminate
this Agreement without liability in accordance with Section 4 of this Agreement.

         20. Severability. In the event that any provision hereof shall be
deemed in violation of any law or held to be invalid by any court in which this
Agreement shall be interpreted, the violation or invalidity of any particular
provision shall not be deemed to affect any other provision hereof, but this
Agreement shall be thereafter interpreted as though the particular provision so
held to be in violation or invalid were not contained herein.

         21. Entirety Clause. This written agreement constitutes the entire
agreement of the parties regarding the subject matter of this Agreement.
Statements or representations not included herein shall not be binding upon the
parties, and no subsequent modifications or amendments of any of the terms
hereof shall be valid or binding unless made in writing and signed by both
parties.

         22. State Law and Venue. This Agreement shall be construed under the
laws of the State of Texas. the parties consent to the venue of the federal
district court for the Northern District of Texas with respect to legal actions
concerning this Agreement, or, if such court does not have jurisdiction, the
courts of Tarrent County, Texas.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed as of the 21st day of June, 1995.

                                   GENELINK, INC.

       June 21, 1995               /s/ John R. DePhillipo
       -------------               ----------------------
         Date                          John R. DePhillipo
                                       President and CEO

                                   UNIVERSITY OF NORTH TEXAS HEATH
                                   SCIENCE CENTER AT FORT WORTH

                                   By: /s/ David M. Richard, D.O.
                                       --------------------------
                                           President

                                       11

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