SOFTWARE LICENSE AGREEMENT<br /><br /> Important - Read carefully before opening software package.

<br /><br /> This is a legal agreement between you, the end user, and John Wiley & Sons, Inc. ("Wiley"). The enclosed Wiley software program and accompanying data (the "Sof tware") is licensed by Wiley for use only on the terms set forth herein. Please read this license agreement. Registering the product indicates that you accept these terms. If you do not agree to these terms, return the full product (incl uding documentation) with proof of purchase within 30 days for a full refund. I n addition, if you are not satisfied with this product for any other reason, you may return the entire product (including documentation) with proof of purchase within 15 days for a full refund.<br /><br /> 1. License: Wiley hereby grants you, and you accept, a non-exclusive and no n-transferable license, to use the Software on the following terms and condition s only:<br /><br /> (a) The Software is for your personal use only.<br /><br />

(b) You may use the Software on a single terminal connected to a single comp uter (i.e., single CPU) and a laptop or other secondary machine for personal use .<br /><br /> (c) A backup copy or copies of the Software may be made solely for your pers onal use. Except for such back up copy or copies, you may not copy, modify, dis tribute, transmit or otherwise reproduce the Software or related documentation, in whole or in part, or systematically store such material in any form or media in a retrieval system; or store such material in electronic format in electronic reading rooms; or transmit such material, directly or indirectly, for use in an y service such as document delivery or list serve, or for use by any information brokerage or for systematic distribution of material, whether for a fee or free of charge. You agree to protect the Software and documenation from unauthoriz ed use, reproduction, or distribution.<br /><br /> (d) You agree not to remove or modify any copyright or proprietary notices, author attribution or disclaimer contained in the Software or documentation or o n any screen display, and not to integrate material from therefrom with other ma terial or otherwise create derivative works in any medium based on or including materials from the Software or documentation.<br /><br /> (e) You agree not to translate, decompile, disassemble or otherwise reverse engineer the Software.<br /><br /> 2. Limited Warranty: <br /><br /> (a) Wiley warrants that this product is free of defects in materials and wor kmanship under normal use for a period of 60 days from the date of purchase as e videnced by a copy of your receipt. If during the 60-day period a defect occurs , you may return the product. Your sole and exclusive remedy in the event of a defect is expressly limited to the replacement of the defective product at no ad ditional charge.<br /><br /> (b) The limited warranty set forth above is in lieu of any and all other war ranties, both express and implied, including but not limited to the implied warr anties of merchantability or fitness for a particular purpose. The liability of Wiley pursuant to this limited warranty will be limited to replacement of the de fective copies of the Software. Some states do not allow the exclusion of impli ed warranties, so the preceding exclusion may not apply to you. <br /><br /> (c) Because software is inherently complex and may not be completely free of errors, you are advised to verify your work and to make backup copies. In no e

vent will Wiley, nor anyone else involved in creating, producing or delivering t he Software, documentation or the materials contained therein, be liable to you for any direct, indirect, incidental, special, consequential or punitive damages arising out of the use or inability to use the Software, documentation or mater ials contained therein even if advised of the possibility of such damages, or fo r any claim by any other party. In no case will Wiley's liability exceed the am ount paid by you for the Software. Some states do not allow the exclusion or li mitation of liability for incidental or consequential damages, so the above limi tation or exclusion may not apply to you.<br /><br /> (d) Wiley reserves the right to make changes, additions, and improvements to the Software at any time without notice to any person or organization. No guara ntee is made that future versions of the Software will be compatible with any ot her version.<br /><br /> 3. Term: Your license to use the Software and documentation will automatica lly terminate if you fail to comply with the terms of this Agreement. If this li cense is terminated you agree to destroy all copies of the Software and document ation.<br /><br /> 4. Ownership: You acknowledge that all rights (including without limitation , copyrights, patents and trade secrets) in the Software and documentation (incl uding without limitation, the structure, sequence, organization, flow, logic, so urce code, object code and all means and forms of operation of the Software) are the sole and exclusive property of Wiley and/or its licensors, and are protecte d by the United Sates copyright laws, other applicable copyright laws, and inter national treaty provisions. <br /><br /> 5. Restricted Rights: This Software and/or user documentation are provided with restricted and limited rights. Use, duplication, or disclosure by the Gover nment is subject to restrictions as set forth in paragraph (b)(3)(B) of the Righ ts in Technical Data and Computer Software clause in DAR 7-104.9(a), FAR 52.2227 -14 (June 1987) Alternate III(g)(3)(June 1987), FAR 52.227-19 (June 1987), or DF ARS 52.227-701 (c)(1)(ii)(June 1988), or their successors, as applicable. Contra ctor/manufacturer is John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 0703 0.<br /><br /> 6. Canadian Purchase: If you purchased this product in Canada, you agree to the following: the parties hereto confirm that it is their wish that this Agree ment, as well as all other documents relating hereto, including Notices, have be en and will be drawn up in the English language only.<br /><br /> 7. Technical Support: Wiley will respond to all technical support inquirie s within 48 hours.<br /><br /> 8. General: This Agreement represents the entire agreement between us and s upersedes any proposals or prior Agreements, oral or written, and any other comm unication between us relating to the subject matter of this Agreement. This Agr eement will be construed and interpreted pursuant to the laws of the State of Ne w York, without regard to such State's conflict of law rules. Any legal action, suit or proceeding arising out of or relating to this Agreement or the breach th ereof will be instituted in a court of competent jurisdiction in New York County in the State of New York and each party hereby consents and submits to the pers onal jurisdiction of such court, waives any objection to venue in such court and consents to the service of process by registered or certified mail, return rece ipt requested, at the last known address of such party. Should you have any que stions concerning this Agreement or if you desire to contact Wiley for any reaso n, please write to: John Wiley & Sons, Inc., Customer Sales and Service, 111 Riv er Street, Hoboken, NJ 07030.