"The  information  below marked [***] has been omitted pursuant to a request for
confidential treatment. The omitted portions have been separately filed with the
Commission."

               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  GREGORY  STOCK
("Gregory Stock").
    

                                    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, Gregory Stock desires to assist Distributor, an entity of which is
     a  50% 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  Gregory  Stock  through  his  ownership  of  Distributor, Gregory Stock
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  $800,000  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 Gregory Stock 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 Gregory  Stock on the books and records of
          the Licensor (the "Security Shares") as follows:


          1.   Distributor  and Gregory  Stock 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 entitled:

               (a)  to sell at public  or  private  sale,  lease,  or  otherwise
                    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 Gregory Stock, free and clear of the Security.

          5.   Gregory  Stock  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 additional
               security on the same terms as the Security Shares.

          6.   With reference to the security interest herein above referred to,
               the Distributor  and Gregory Stock  hereby acknowledge  and agree
               that:

               (a)  value was given by  Licensor to  Distributor  and thereby to
                    Gregory Stock

               (b)  Gregory Stock has rights in the Security Shares; and

               (c)  Gregory Stock intends, and acknowledges Licensor's intention
                    that such security  interest shall attach upon the execution
                    and delivery by Gregory Stock 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.  Gregory Stock represents  and warrants to Licensor  that as of the date of
    Commencement  and  through  and  including  the  date of  execution  of this
    Amendment, Gregory Stock 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 Delaware LLC                        a California corporation



   
/s/ Donald R. Gardner                 /s/ Bernadette C. Castello
- -----------------------------         ---------------------------------
Donald R. Gardner, President          Bernadette C. Castello, Sr. Vice President
    


AS TO SECTIONS 3 AND 4 ONLY:



   
/s/ Gregory Stock
- -----------------------------
Gregory Stock
    




   
                         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 4133 Stanford,  Dallas,  Texas
75225 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  [****]  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 [****] 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 New York and New Jersey,
which includes all business from  AT&T  worldwide.  Other than  AT&T,  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 ten 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

   
/S/ Donald R. Gardner                       /s/ Bernadette C. Castello
- ---------------------------------------     ----------------------------
(authorized signature)                      (authorized signature)

Donald R. Gardner                           Bernadette C. Castello
- ---------------------------------------     ----------------------------
(name)                                      (name)

Manager / President                         Senior Vice President
- ---------------------------------------     ----------------------------
(title)                                     (title)

6/28/96                                     6/28/96
- ---------------------------------------     ----------------------------
(date)                                      (date)