FORM OF
               FIRST AMENDMENT OF EXCLUSIVE DISTRIBUTOR AGREEMENT

THIS FIRST AMENDMENT OF EXCLUSIVE DISTRIBUTOR AGREEMENT (this "Amendment")
is made this 29th of September, 1996 to be effective  as of June 28, 1996 
by and among FORECROSS CORPORATION, a California corporation ("Licensor"),  
Gardner Solution 2000, LLC, a California LLC ("Distributor"), and [****]
("[****]").

                                    RECITALS

A.   WHEREAS,  Licensor  and  Distributor  entered  into  a  written  "Exclusive
     Distributor Agreement" on June 28, 1996 (the "Original Written Agreement");

B.   WHEREAS, Licensor and Distributor have determined that the Original Written
     Agreement did not and does not accurately reflect the economic substance of
     the agreement  between the parties in that it failed to provide for (i) the
     detailed  allocation of the  consideration  paid by  Distributor,  (ii) the
     security for certain of the payments to be made by  Distributor,  and (iii)
     the  license  of  the  Products  given  by  Licensor  to  Distributor   for
     Distributor's internal use and for demonstration to potential end users.

C.   WHEREAS,  Licensor and  Distributor  desire to amend the  Original  Written
     Agreement  so as to  accurately  reflect  the  substance  of the  agreement
     between the parties and to make other technical corrections.

D.   WHEREAS, [****] desires to assist Distributor, an entity of which is
     a [****] owner,  in securing  the  Distributor's  obligation  to make  
     certain payments to the Licensor as provided herein.

THEREFORE,  in  consideration of their mutual  continued  performance  under the
Original  Written  Agreement,   the  Licensor  and  Distributor  agree,  and  in
consideration  for continued  performance by Licensor,  which  performance  will
benefit [****] through his  ownership of  Distributor, [****] agrees, as 
follows:

                                    AGREEMENT

1.  Licensor  and  Distributor  agree to amend and  restate  Section  3.3 of the
    Original Written  Agreement (all further Section  references shall be to the
    Original Written  Agreement unless otherwise  stated) in its entirety and so
    that as amended, Section 3.3 reads in full as follows:

       "3.3 In  consideration  of the  appointment by Licensor of Distributor as
       the  exclusive  Distributor  and in  further  consideration  of  support,
       licenses, training and other promises contained herein, Distributor shall
       pay Licensor cash fees as follows:



               1. [***] as a one-time non-refundable fee for the license granted
                  pursuant to Section 4.3 herein;
               2. [***] as a one-time  non-refundable  fee for exclusivity for a
                  period  of  one  year starting on June 28, 1996 (the date of
                  "Commencement");
               3. [***] as a one-time non-refundable fee for technical and sales
                  training and support for a period on one year starting on 
                  the date of Commencement; and
               4. [***] per year as a  non-refundable  annual  fee for  software
                  maintenance and  enhancements in each of the ten years 
                  starting on the date of Commencement."

2.   Licensor and Distributor  agree to add a new Section 3.4 to read in full as
     follows:

     "3.4      The fees described in Section 3.3 will be payable as follows:

               1.  The  [***]  in  one-time  non-refundable  fees described  in
                   paragraph  (1) of  Section  3.3 above  shall be due and  
                   payable  upon  execution of the Agreement.
               2.  The  [***]  in  one-time  non-refundable  fees  described  in
                   paragraphs  (2),  (3) and (4) of  Section  3.3 above shall 
                   be due and payable  before  the  expiration  date of one  
                   year from the date of Commencement.

3.  Licensor and  Distributor  agree to add and [****] consents to such
    addition  and  agrees  to be bound by a new  Section  3.5 to read in full as
    follows:

     "3.5      The fees  described in paragraphs  (2), (3) and (4) of Section
               3.3 will be secured by that certain [****] shares of the
               Licensor's  outstanding  common  stock in the name of  
               [****] on the books and records of the Licensor (the
               "Security Shares") as follows:
                 
               1.  Distributor  and  [****] shall  cause the  original  
                   share certificate or certificates  evidencing the Security 
                   Shares  to  be  delivered  to  Licensor  immediately  upon
                   execution of this Amendment.
               2.  The Security Shares shall be held by Licensor as a general 
                   and continuing  collateral  security (the "Security") for 
                   the   payment,   fulfillment   and   performance   of  all
                   indebtedness  of Distributor  described in paragraphs (2),
                   (3)  and  (4)  of   Section   3.3  above   (the   "Secured
                   Obligation").


               3.  In the event the  Distributor  (i) fails to pay any or all
                   of the Security  Obligation prior to the expiration of the
                   one year period  beginning on the date of Commencement and
                   (ii)  after  receiving  notice  of such  failure  does not
                   remedy any such  failure  within a period of ten (10) days
                   (hereinafter   a   "Default"),   the  Licensor   shall  be
                   entitiled:

                   (a)  to sell at public or private sale, lease, or therwise
                        realize  upon,  deal with or dispose of the  Security
                        Shares,  or any of them,  in any  manner  allowed  by
                        Section 9504 of the California Commercial Code, and
                   (b)  to exercise  any other  rights,  powers and  remedies
                        available  to  Licensor  at  law,  in  equity,  or 
                        by statutory enactment.

               4.  When the Security  Obligation  is  completely  satisfied, 
                   fulfilled and  performed,  the  Security  Shares  shall be
                   released  and  delivered  to [****], free and clear of the
                   Security.

               5.  [****] shall have the authority,  until Default,  to exercise
                   and enjoy all voting rights attaching to the Security 
                   Shares or any of them and any distributions  made on the 
                   Security Shares shall be delivered to the Licensor 
                   hereunder  as addtional  security on the same terms as the
                   Security Shares.

               6.  With  reference to  the security interest  hereinabove  
                   refereed to, the Distributor and [****] hereby acknowledge
                   and agree that:

                   (a)  value was given by Licensor to  Distributor  and thereby
                        to [****]

                   (b)  [****] has rights in the Security Shares; and

                   (c)  [****] intends, and acknowledges Licensor's intention 
                        that such security interest shall attach upon the 
                        execution and delivery by [****] of this Agreement.

               7.  This Security  shall not limit or affect  Licensor's  legal 
                   or equitable remedies for breach of any obligations under 
                   this Agreement or any other Agreement.   Notwithstanding   
                   any  security  interest  granted  herein, Licensor may 
                   proceed against the Security Shares and/or Distributor for
                   breach of the Secured Obligations."

4.  [****] represents  and warrants to Licensor  that as of the date of
    Commencement  and  through  and  including  the  date of  execution  of this
    Amendment, [****] owns all right, title and interest in the Security
    Shares  free  and  clear  of any  third  party  security  interest,  lien or
    representations and warranties in connection with this Amendment.

5.   Licensor and Distributor  agree to add a new Section 3.6 to read in full as
     follows:

           "3.6     Distributor  shall  not  during  the term of this  Agreement
                    represent  or  offer  to   represent  or  market,   sell  or
                    distribute,  in the Territory,  computer  software  products
                    that compete directly with the Products."

6.   Licensor and  Distributor  agree that  notwithstanding  the language of the
     amendment to the Original  Written  Agreement made by Section 3 immediately
     above, the tender and delivery of the therein defined  "Security Shares" on
     the date of the execution of this Amendment  shall be deemed to be a tender
     and delivery of the Security Shares as of June 28, 1996.

7.   Licensor and Distributor  agree to add a new Section 4.3 to read in full as
     follows:

           "4.3 Licensor  hereby grants to Distributor  for its internal use and
           for   demonstration  to  potential  end  users,   ONE   nonexclusive,
           non-assignable, non-transferable license to use the Products, subject
           to the terms and  conditions  specified  in and pursuant to a license
           agreement  between Licensor and Distributor in substantially the form
           as attached hereto as Exhibit "A." Notwithstanding anything contained
           in such Exhibit "A" to the contrary,  the Distributor  shall not make
           or distribute to third parties  copies of the Products nor allow such
           Products  to be used for the  benefit  of any other  party  except in
           connection with the demonstration of the Products."

8.   Licensor  and  Distributor  agree to add a new Exhibit "A" to the  Original
     Written Agreement in a form identical to that Exhibit "A" attached hereto.

9.   Licensor and  Distributor  agree to amend and restate the first sentence of
     Section 6.3 in its entirety and so that as amended,  the first  sentence of
     Section 6.3 reads in full as follows:

     "Distributor  shall  be  responsible  for its own  expenses  and  costs  in
     fulfilling its duties under this Agreement,  including  without  limitation
     office rent,  salaries and  commissions  of office help and sales people in
     its employ, license, taxes, insurance, automotive costs, transportation and
     living expenses."

10.  Licensor and  Distributor  agree to delete the reference to "paragraph 7.2"
     in the  penultimate  clause of Section 10 and replace it so such  reference
     reads in full as "paragraph 6.3".

11.  Licensor and  Distributor  agree (i) that this  Amendment  and the Original
     Written  Agreement  shall together  constitute  one agreement  which is the
     complete  exclusive  statement  thereof  between  the parties and (ii) that
     together they  supersede and merge all prior  proposals and  understandings
     and all other  agreements,  whether  oral or  written,  between the parties
     relating to the subject matter hereof.  To the extent the Original  Written
     Agreement  is not  modified  or 


     amended by this Amendment, it is by this reference,  expressly incorporated
     herein as if set forth in full.  Neither  the  Amendment  nor the  Original
     Written  Agreement may be modified or altered except by written  instrument
     duly executed by the parties hereto.

         IN WITNESS  WHEREOF,  the  parties  have caused  this  Amendment  to be
executed as of the date set forth above.



GARDNER SOLUTION 2000, LLC                  FORECROSS CORPORATION
a Delarare LLC                              a California corporation




- - -----------------------------               ---------------------------------
(authorized signature)                      (authorized signature) 


AS TO SECTIONS 3 AND 4 ONLY:




- - -----------------------------
[****]




                                    FORM OF
                         EXCLUSIVE DISTRIBUTOR AGREEMENT


THIS EXCLUSIVE DISTRIBUTOR AGREEMENT (this "Agreement") by and between Forecross
Corporation  (hereinafter  "Licensor"),  a  California  corporation  having  its
principal  offices at 90 New Montgomery  Street,  San Francisco,  CA 94105;  and
Gardner Solution 2000, L.L.C.  (hereinafter  "Distributor"),  a Delaware Limited
Liability  Company  having its  principal  offices at [***] is entered into this
28th day of June, 1996:

WHEREAS,  Licensor is the owner of certain  computer  programs  and  methodology
together with all upgrades,  improvements and enhancements defined herein as the
"Products"  and  "Services",  which  Products  and  Services  are used to assist
customers in making their computer  applications capable of correctly processing
dates in the year 2000 and beyond ("Year 2000") ;

WHEREAS, Distributor has special knowledge concerning the general business needs
of prospects in the "Territory"  defined herein and familiarity with a number of
such prospects;

WHEREAS,  Licensor  wishes to appoint  Distributor  as its  exclusive  marketing
representative for the solicitation of license agreements and service agreements
relating to the Products and  Services,  and  authorize  Distributor  to provide
certain services relating to such marketing efforts; and

WHEREAS,  Distributor is willing to accept such  appointment and to undertake to
provide such services under the terms of this Agreement;

NOW, THEREFORE, the parties agree as follows:


1. SCOPE

The Products and Services covered by this Agreement are Licensor's Complete/2000
automated  conversion software products,  related services and methodologies and
consist of computer  programs,  any  updates  thereto  and  conversion  services
offered generally to end-users by Licensor under the terms and conditions of its
then current license agreement. Licensor offers enhancement and error-correction
services with respect to the Products  under the terms and conditions of service
agreements created for each end-user.


2. APPOINTMENT OF DISTRIBUTOR

Subject to the terms and  conditions  hereof,  Licensor  hereby  designates  and
appoints Distributor, for the term of this Agreement, as its exclusive marketing
agent and  representative for the solicitation of license agreements and service
agreements  related to the Products and Services  from, and the delivery of such
Services  to  end-users  in  the  Territory.  Distributor  hereby  accepts  such
designation and appointment.


3. DUTIES OF DISTRIBUTOR

         3.1 Distributor  agrees, for the term of this Agreement,  that it shall
         promote and market the Products to prospective end-users by:

               1.   Identifying  prospects within the Territory that may benefit
                    from use of the Products and Services
               2.   Contacting  prospects and conducting sales  presentations of
                    the Products and Services


               3.   Performing  systems analysis of the end-users' 
                    applications and providing to Licensor information to 
                    assist Licensor in preparing proposals to prospects
               4.   Assisting Licensor in preparing and obtaining the prospects'
                    execution of license agreements and service agreements
               5.   Forwarding   executed   license   agreements   and   service
                    agreements to Licensor.
               6.   Serving as a point of contact for  necessary  communications
                    between  end-users and Licensor with respect to the Products
                    and Services
               7.   Providing  on-site Services and support,  including  project
                    management,  working with customer to create date  selection
                    and expansion rules, installing and turning over to customer
                    the  data  expansion  programs  and  converted   application
                    programs
               8.   Performing all  obligations  of  Distributor  under accepted
                    service agreements
               9.   Providing account management

         3.2  Distributor  shall  use its best  efforts  to  generate  Year 2000
         business  acceptable  to Licensor.  Distributor  shall  diligently and
         continuously sell, distribute and promote the Products and Services
         and shall make and maintain  adequate  arrangements for the 
         distribution of Products  and  Services.  Distributor  shall  report 
         to Licensor  about Distributor's  marketing  activities  and shall 
         provide  forecasts  to Licensor as may be reasonably requested.

         3.3 Distributor  agrees that, in  consideration  of the  appointment by
         Licensor of Distributor as the exclusive  Distributor for  the Products
         and  Services  in the  Territory,  Distributor  shall  pay  Licensor  a
         license  fee of  [****] as  follows:  [****] immediately  upon 
         signing of this Agreement ("Commencement"), and [****] within thirty
         (30) days  after  Commencement.  Additionally,  Distributor  shall  not
         during the term of this  Agreement  represent or  offer to represent or
         market,  sell  or  distribute,  in  the  Territory,  computer  software
         products that compete  directly  with  the Products.  In the event that
         the  [****] payment  is  not  made  within [****] of Commencement,
         Distributor  shall  forfeit  the prior  payment and this agreement 
         shall terminate.


4. LICENSE AGREEMENTS AND SERVICE AGREEMENTS

         4.1  Distributor  shall have the  authority to solicit the signature of
         end-users on Licensor's license agreements and service agreements which
         have been jointly  prepared by Licensor and  Distributor for end-users.
         Distributor has and shall exercise no authority to make any alterations
         in such agreements or to execute or accept such agreements on behalf of
         Licensor.  Distributor  shall inform all end-users that such agreements
         must be forwarded to Licensor for  acceptance and execution by Licensor
         in order for such agreement to be binding on Licensor.

         4.2 Distributor has and may exercise no authority to make statements or
         representations concerning the Products that exceed or are inconsistent
         with the marketing materials and technical  specifications  provided to
         Distributor by Licensor.  Distributor has and may exercise no authority
         to bind Licensor to any undertaking or performance  with respect to the
         Products. Licensor has and may exercise no authority to make statements
         or  representations  concerning  the  Distributor  which  exceed or are
         inconsistent  with this  Agreement.  Licensor  has and may  exercise no
         authority to bind  Distributor to any  undertaking or performance  with
         respect to the Products or Services,  other than as mutually  agreed by
         Licensor and Distributor in writing in Licensor's service agreement for
         an  end-user.  Notwithstanding  the  foregoing,  in  the  event  that a
         prospective  end-user contacts Licensor to request Products or Services
         and Distributor elects not 



          to  pursue  the  prospective  end-user,  Licensor  shall  be  free  to
          negotiate  independently  with  the  end-user  for  the  provision  of
          Products or Services.

5. UNDERTAKING OF LICENSOR

Licensor shall:

          1.   Use best efforts to promote the Products  including with national
               and local advertising as it deems appropriate.

          2.   Provide to Distributor's  technical and sales staff technical and
               sales  training  with respect to the Products  and  Services,  to
               consist of one two-week  training  course  offered at  Licensor's
               field training center or at  Distributor's  facilities.  Licensor
               shall  provide  such  training at its own cost,  but  Distributor
               shall be responsible for travel and living  expenses  incurred by
               its employees.

          3.   Provide reasonable  quantities of marketing materials,  including
               descriptive  brochures  and  promotional  materials  suitable for
               unrestricted  distribution,  and licenses  and other  contractual
               documents.
       
          4.   Evaluate the qualifications of prospective end-users solicited by
               Distributor.   Licensor  may  condition   acceptance  of  license
               agreements  and service  agreements on an  end-users'  payment in
               advance of all or part of  applicable  license  fees and  service
               fees.

          5.   Perform  all  obligations  of  Licensor  under  accepted  license
               agreements and service agreements.

          6.   Invoice and collect amounts payable under each license  agreement
               and service agreement accepted by Licensor.

          7.   Provide  Product  development,  enhancement,  and product problem
               resolution  as  Licensor  deems  appropriate,  but in all  events
               sufficient to enable  Licensor and  Distributor  to perform their
               obligations   under  accepted  license   agreements  and  service
               agreements.

          8.   Provide migration factory management and operations.

          9.   Provide  Products and Services in a manner which does not lead to
               added delays, costs or expenses to Distributor

          10.  Use its best  efforts to increase  Product and Service  capacity,
               and improve the quality of its Products and Services

          11.  Licensor shall use its best efforts, consistent with its past 
               practices, to protect all of its intellectual property rights, 
               including without  limitation trade secrets,  know-how, patents,
               copyrights and trademarks, and take strict precautions to protect
               the confidential and proprietary status of all current and future
               information relating to the Products and Services.

6. COMPENSATION

          6.1 Until  Distributor  has  received  [****] in fees  under this
          Agreement, Distributor shall receive a fee equal to [****] percent   
          of the revenue actually collected by Licensor under license 
          agreements and  service  agreements  solicited by Distributor and
          accepted by Licensor.  Thereafter, Distributor shall receive a fee  
          equal to [****] percent of the revenue actually collected by 
          Licensor under license agreements and service agreements solicited 
          by Distributor and accepted by Licensor.  At  Licensor's   expense,
          Distributor   agrees  to  reasonably   cooperate   with  Licensor  and
          reasonably  assist in the  collection  of  accounts  receivable  under
          license  agreements 



          and service agreements forwarded to Licensor by Distributor,  provided
          however  that  Distributor  shall  not  be  required  to  commence  or
          prosecute  any  litigation  in  connection  with any  such  collection
          assistance.  Payment of  Distributor's  compensation  shall be made by
          Licensor  within  [****] days  after  receipt  of  revenues  by
          Licensor. Payment shall be accompanied by a detailed accounting of the
          basis  for  such  payment,   identifying  the  source  and  amount  of
          applicable revenues so received by Licensor.

          6.2 Distributor shall have the right, at its sole expense,  to examine
          the books and records of Licensor to verify Licensor's  calculation of
          the compensation due to Distributor.  Such examinations may be made no
          more  frequently  than once  every six  months  and may cover only the
          prior two years  books and  records.  All such  examinations  shall be
          conducted  by a  certified  public  accountant  upon not less than two
          business  days prior  written  notice to Licensor,  during  Licensor's
          regular business hours.

          6.3 Distributor shall be responsible for its own expenses and costs in
          fulfilling  it  duties  under  this   Agreement,   including   without
          limitation  office rent,  salaries and  commissions of office help and
          sales people in its employ,  licenses,  taxes,  insurance,  automotive
          costs,  transportation  and living expenses.  Distributor shall supply
          appropriate  commercial  and  general  liability  insurance  needed to
          fulfill its duties under this Agreement.  Distributor  indemnifies and
          holds  harmless  Licensor from any claims,  costs,  losses or damages,
          including  attorneys'  fees,  resulting  from  workers'   compensation
          claims, or other claims of or relating to Distributor's employees.


7. TERRITORY

The territory of this Agreement  shall be the states of [****].  Other than 
[****] ownership, of all multi-territory end-users will be determined by
Licensor.  Any disputes arising out of this paragraph will be settled solely 
by Licensor.


8. TERM AND TERMINATION

         8.1  The  term  of this  Agreement  shall commence  upon  the  date of
         execution  of this  Agreement  and shall  continue  for [****] years  
         thereafter unless sooner terminated in accordance with the 
         provisions hereof.  This Agreement may be thereafter extended only by 
         written instrument executed by both parties.

         8.2 Licensor  may  terminate  this  Agreement  upon  written  notice to
         Distributor  in the  event of the  breach  of any  material  obligation
         hereunder by Distributor that is not cured by Distributor after receipt
         from Licensor of [****] written notice calling  attention to
         such  breach  and  demanding  cure  thereof.   In  the  event  of  such
         termination for cause,  Licensor's sole obligation to Distributor shall
         be to pay compensation accrued for revenues collected prior to the date
         of termination.
         
         8.3  Distributor  may terminate  this  Agreement upon written notice to
         Licensor  in  the  event  of the  breach  of  any  material  obligation
         hereunder by Licensor that is not cured by Licensor  after receipt from
         Distributor of [****] written  notice  calling  attention to
         such  breach  and  demanding  cure  thereof.   In  the  event  of  such
         termination for cause, Licensor's obligation to Distributor shall be to
         pay  compensation  accrued for revenues  collected prior to the date of
         termination.

         8.4 Upon  termination  of this  Agreement  for any reason,  Distributor
         shall within [****] of such  termination  return to Licensor
         all copies of the Products,  including  demonstration  copies,  and all
         copies of technical materials,  brochures, marketing materials, and the
         like.   Distributor   shall  further  provide  to  Licensor  copies  of
         Distributor's prospect files and end-user correspondence files.


Upon  the  termination  of this  Agreement  for any  reason,  Distributor  shall
immediately   cease  using  all  trademarks,   services   marks,   software  and
documentation of Licensor.


9. INDEMNITIES

         9.1 Licensor hereby  indemnifies  Distributor  from and against any and
         all claims,  demands,  or actions arising out of any material breach by
         Licensor  of any of the  terms of any  license  agreements  or  service
         agreements.

         9.2 Distributor  hereby  indemnifies  Licensor from and against any and
         all claims, demands, or actions arising out of Distributor's activities
         or performance outside the express  authorization  provided Distributor
         under this Agreement or any license agreements or service agreements or
         any breach of Distributor's obligations hereunder.

         9.3 The  indemnities  contained in this Section 10 shall be conditioned
         upon the  indemnifying  party's  receiving (1) prompt written notice of
         any claims,  demands,  or actions for which  indemnity  is sought;  (2)
         cooperation  in the  defense by the party  seeking  indemnity;  and (3)
         control of the defense  and/or  settlement  of such claim,  demand,  or
         action as to which indemnity is sought.

10.  LIMITATIONS OF LIABILITY

In no event shall  either  party  hereto be entitled  to special,  indirect,  or
consequential  damages,  including lost profits,  for breach of this  Agreement.
Remedies   shall  be  limited  to  claims  for   amounts  due   hereunder,   for
indemnification  as provided for herein or for actual damages resulting from any
such breach.  However,  the foregoing  limitation of remedies shall not apply to
any action by Licensor for  infringement of any  intellectual  property right by
Distributor;  any action based on or with respect to  unauthorized  publication,
disclosure,  or use of Confidential Information or trade secrets of Licensor; or
any claim pursuant to paragraph 7.2 (employee claims) of this Agreement;  or any
action based on Licensor's rights in copyrights,  trademarks,  or trade names or
other proprietary rights in the Products.


11.  TRADEMARK

Except for purposes of identification of Products, no right, title, interest, or
license  in or to any  trademark  or  service  mark of  Licensor  is  granted to
Distributor  under this  Agreement.  Distributor may on its business cards state
that Distributor is an authorized  distributor for the licensing of the Products
of  Licensor.  Distributor  shall not  contest  the  validity  of such  marks or
Licensor's  exclusive  ownership  of them.  During  the term of this  Agreement,
Distributor  shall not adopt,  use, or  register,  whether as a corporate  name,
trademark,  service mark or other  indication of origin,  any such marks, or any
word or mark confusingly similar to them in any jurisdiction.

12.  ENHANCEMENTS AND DISCOVERIES

If Distributor  makes any  discoveries,  devices or other tangible or intangible
improvement  relating to Products or  Services,  Distributor  shall  immediately
disclose same to Licensor,  and hereby assigns all rights, title and interest in
same to  Licensor.  Distributor  shall  secure  assignment  agreements  with its
employees to ensure that same can be assigned to Licensor.


13.  CONFIDENTIALITY

"Confidential  Information" shall mean any information  disclosed by Licensor to
Distributor,  in  writing,  orally,  by  inspection  of  tangible  objects or by
inspection  of source code,  object code or operation of any Product,  including
without limitation, any product, technical,  manufacturing,  process, marketing,
financial, business or other information, ideas or know-how.



Confidential  Information may also include information  disclosed to Licensor by
third parties. Confidential Information shall not include information which: (i)
was  generally  known  and  available  in the  public  domain at the time it was
disclosed, or becomes generally known and available in the public domain through
no fault of the receiving party, its employees,  agents,  successors or assigns;
(ii) was  known to the  Distributor  at the time of the  disclosure;  (iii)  was
independently  developed  by  Distributor  without the use of or reliance on any
Confidential  Information,  as shown by written records  contemporaneously  with
such  independent  development;  (iv) becomes known to Distributor  from a third
party who has no obligation of confidentiality to the Licensor.

Distributor  shall not  disclose  Confidential  Information  to any third  party
unless  authorized  in advance in writing,  except (i) to  potential  and actual
end-users  of  the  Products  and  Services  in  connection  with  Distributor's
marketing  of the  Products  and  Services  and  performance  of its  duties and
obligations under this Agreement,  (ii) in response to a subpoena or other legal
process,  and (iii) as may otherwise be required by applicable law.  Distributor
shall not disclose Confidential Information to its employees,  except on a "need
to know" basis where such  disclosure  is necessary  and required to exercise it
rights and perform its obligations  under this Agreement.  Distributor shall not
disclose  Confidential  Information to any employee of  Distributor  unless such
employee has signed a non-use and  non-disclosure  agreement in content at least
as protective as the provisions hereof,  prior to any disclosure of Confidential
Information  to such employee.  Distributor  shall take  reasonable  measures to
protect  the  secrecy  of  and  avoid  disclosure  and  unauthorized  use of the
Confidential Information. Without limiting the foregoing, Distributor shall take
at  least  those  measures  that  it  takes  to  protect  its  own  most highly
confidential information. Distributor shall not reverse engineer, disassemble or
decompile any  prototypes,  software or other tangible  objects which embody the
Confidential  Information  and  which are  provided  to  Distributor  hereunder.
Distributor shall  immediately  notify Licensor in the event of any unauthorized
use or  disclosure  of the  Confidential  Information.  This  obligation in this
paragraph  shall survive the expiration or termination of this Agreement for any
reason.

Upon  termination of this Agreement for any reason,  Distributor  shall promptly
return all Confidential Information received from Licensor.

14.  NO FRANCHISE

Neither this Agreement,  nor any terms and conditions contained herein, shall be
construed as creating a partnership,  joint venture or agency relationship or as
granting a franchise as defined in 16 CFR Section 436.2(a),  or applicable state
law. The price and payment  described in this Agreement  shall be construed as a
royalty  fee for the rights  granted in this  Agreement,  and not as a franchise
fee.


15.  UCC

LICENSOR  MAKES NO  REPRESENTATIONS  OR WARRANTIES OF ANY KIND,  WHETHER 
ORAL OR
WRITTEN,  WHETHER EXPRESS OR IMPLIED, OR ARISING BY STATUTE,  CUSTOM,  COURSE 
OF DEALING OR TRADE USAGE,  WITH RESPECT TO THE PRODUCTS OR SERVICES,  OR 
OTHERWISE IN CONNECTION WITH THIS AGREEMENT.  LICENSOR SPECIFICALLY 
DISCLAIMS 
ANY AND ALL IMPLIED WARRANTIES OR CONDITIONS OF TITLE, MERCHANTIBILITY, 
SATISFACTORY QUALITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL 
WARRANTIES OF
NON-INFRINGEMENT.



16.   STATUS OF DISTRIBUTOR'S PERSONNEL

 Distributor  shall be  responsible  for the wages,  hours,  and  conditions  of
employment  of  Distributor's  personnel  during  the  term  of and  under  this
Agreement.  Nothing  herein  shall be construed  as implying  that  employees of
Distributor are employees of Licensor.


17.   NOTICES

All notices,  demands,  or consents  required or permitted  under this Agreement
shall be in writing and shall be  delivered  personally  or sent by certified or
registered mail,  postage prepaid,  to the appropriate  party at the address set
forth in the first paragraph of this Agreement or at such other address as shall
be given by either party to the other in writing.

18.  CHOICE OF LAW

This Agreement  shall be deemed to be made in the State of California and in all
respects shall be interpreted, construed, and governed by and in accordance with
the laws of the State of  California.  The  venue  for any law  suits  involving
disputes under this Agreement shall be in the Northern District of California or
the County of San Francisco.  The prevailing  party in any such dispute shall be
entitled to recover its costs and reasonable attorneys' fees.


19. WAIVER OF RIGHTS

The waiver by either party of any term or provision of this Agreement  shall not
be deemed to  constitute  a  continuing  waiver  thereof  nor of any  further or
additional rights such party may hold under this Agreement.

20.   NO ASSIGNMENT; ENFORCEABILITY

This  Agreement is personal to  Distributor  and is not  assignable  without the
prior  written  consent  of  Licensor.  Any  attempt  to  assign,  transfer,  or
subcontract any of the rights,  duties, or obligations of this Agreement without
such consent is void. If any provision or provisions of this Agreement  shall be
held to be invalid,  illegal,  or  unenforceable,  the validity,  legality,  and
enforceability  of the remaining  provisions shall not in any way be affected or
impaired thereby.

21.   ARBITRATION

Any  controversy or claim arising out of, in connection with or relating to this
Agreement,  or the  formation  or breach  hereof  shall be  resolved  by binding
arbitration  pursuant  to the rules then in effect of the  American  Arbitration
Association and the State of California, with the cost thereof shared equally by
the parties;  the venue of any  arbitration  or litigation  relating to any such
controversy or claim shall be San Francisco, California, and the parties consent
to the  jurisdiction  of any  court  therein.  In the  event  of  litigation  or
arbitration between the parties concerning this Agreement,  the prevailing party
shall be entitled to its reasonable attorneys' fees.






22.   COMPLETE AGREEMENT

The parties agree that this  Agreement is the complete and  exclusive  statement
thereof  between  the  parties  and that it  supersedes  and  merges  all  prior
proposals and understandings and all other agreements,  whether oral or written,
between the parties  relating to the subject matter  hereof.  This Agreement may
not be modified or altered except by a written  instrument  duly executed by the
parties hereto.

IN WITNESS WHEREOF, the parties have caused this Agreement to be executed as 
set forth below.


GARDNER SOLUTION 2000, L.L.C.               FORECROSS CORPORATION


- - ---------------------------------------     ----------------------------
(authorized signature)                      (authorized signature)


- - ---------------------------------------     ----------------------------
(name)                                      (name)


- - ---------------------------------------     ----------------------------
(title)                                     (title)


- - ---------------------------------------     ----------------------------
(date)                                      (date)