================================================================
THE LEGAL STUFF:
(Please select WordWrap from the Edit menu if 
you are viewing this file with NotePad.)
================================================================
                     Software License Agreement

INSTALLING OR USING THE ACCOMPANYING COMPUTER SOFTWARE (THE "SOFTWARE") INDICATES THAT YOU AGREE TO BE LEGALLY BOUND BY THIS AGREEMENT AND COMPLY WITH ITS TERMS. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF THIS AGREEMENT, PLEASE DO NOT USE THE SOFTWARE.

1. Torrid Technologies, Inc. ("Torrid Technologies") hereby grants to you a non-exclusive license (this "License") to use the Software.  You may noncommercially transfer the Software to others so long as your transferee agrees to be bound by this License 
and as long as you have not in any way altered the product or any of its accompanying files, other than changing the data in available user input fields.   

2. Torrid Technologies and its suppliers retain all right, title and interest in the Software.  You acknowledge that the Software in source code form is a confidential trade secret of Torrid Technologies and its suppliers; you therefore agree not to modify, reverse engineer, decompile, or disassemble the Product, except to the extent that applicable laws may prohibit such restriction.

3. This License will automatically terminate without further notice to you in the event that you are in breach of any material term of this License.  In addition, either party may terminate this License at any time upon written notice to the other party. 
 Paragraphs 2, 4, 5, and 6 shall survive termination of this Agreement.

4. THE SOFTWARE IS PROVIDED ON AN "AS IS" BASIS.  TORRID TECHNOLOGIES DISCLAIMS ALL WARRANTIES, WHETHER EXPRESSED OR IMPLIED, WITH REGARD TO THE SOFTWARE, INCLUDING WITHOUT LIMITATION ALL WARRANTIES 
OF NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.  TORRID TECHNOLOGIES RESERVES THE RIGHT TO NOT SUPPORT THE SOFTWARE OR ISSUE UPDATES TO THE SOFTWARE.  The entire risk as to the quality and performance of the 
Software is borne by you.  Should the Software prove defective, you and not Torrid Technologies assume the entire cost of any service and repair.   IN NO EVENT WILL TORRID BE LIABLE FOR ANY DAMAGES IN EXCESS OF THE AMOUNT TORRID TECHNOLOGIES RECEIVED FROM
 YOU FOR A LICENSE TO THE SOFTWARE, EVEN IF  TORRID SHALL HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM BY ANY OTHER PARTY. SOME JURISDICTIONS DO NOT ALLOW EXCLUSIONS OF AN IMPLIED WARRANTY, SO THIS DISCLAIMER MAY NOT APPLY TO 
YOU AND YOU MAY HAVE OTHER LEGAL RIGHTS THAT VARY BY JURISDICTION.  NO TORRID TECHNOLOGIES DEALER, AGENT, OR EMPLOYEE IS AUTHORIZED TO MAKE ANY MODIFICATIONS, EXTENSIONS, OR ADDITIONS TO THIS WARRANTY. 

5. IN NO EVENT WILL TORRID TECHNOLOGIES, ITS LICENSOR(S) AND THE DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS OF ANY OF THEM BE LIABLE TO YOU FOR ANY DAMAGES OF ANY KIND UNDER ANY THEORY OF LIABILITY 
SUFFERED BY YOU OR ANYONE ELSE ARISING OUT OF THE USE OR INABILITY TO USE THE SOFTWARE EVEN IF TORRID TECHNOLOGIES OR ITS LICENSOR(S) HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  THE FOREGOING LIMITATIONS SHALL NOT APPLY TO THE EXTENT THAT APPLICABLE 
LAWS MAY PROHIBIT SUCH LIMITATIONS.  NO TORRID TECHNOLOGIES DEALER, AGENT, OR EMPLOYEE IS AUTHORIZED TO MAKE ANY MODIFICATIONS, EXTENSIONS, OR ADDITIONS TO THIS WARRANTY. 

6. You agree that neither the Product nor any direct product thereof is being or will be acquired, shipped, transferred, or reexported, directly or indirectly, into any country prohibited by the United States Export Administration Act and the regulations 
thereunder or will be used for any purpose prohibited by the same.


7. This product is for educational and estimating purposes only.
It is not meant as an exact analysis of your situation. IN NO EVENT WILL TORRID TECHNOLOGIES, ITS LICENSOR(S) AND THE DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS OF ANY OF THEM BE LIABLE TO YOU FOR ANY DAMAGES OF ANY KIND for your investment or savings strategy. You agree that TORRID TECHNOLOGIES, ITS LICENSOR(S) AND THE DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS are not advocating any specific investment approach, nor are providing investment advice.  You agree that we are not liable for any investment losses or for your retirement planning.  Inflation and interest rates fluctuate over time.  No returns are guaranteed.  
==============================================================
==============================================================
==============================================================
ANNOUNCING RETIREMENT PLANNER 
Version 2.56 for Windows/Win95
(previously known as $401K Planner)
==============================================================
YOU MUST HAVE VBRUN300.DLL TO RUN THE SETUP PROGRAM!
YOU MAY ALREADY HAVE THIS FILE ON YOUR 
COMPUTER.  SEARCH YOUR COMPUTER FOR VBRUN300.DLL TO FIND OUT.
You can download VBRUN300.DLL from:
- on America Online by searching for VBRUN300.EXE using
"Search the Software Libraries" under the GoTo menu
- from our web site at http://www.torrid-tech.com


==============================================================
ABOUT THIS PROGRAM:
==============================================================
- used by employees at Fortune 500 companies
- highly rated by Ziff-Davis and AAII
- mentioned in USA Today and PC Computing magazine

Are you saving enough money for retirement?
Not sure?  This software will help you answer this question.

The Retirement Planner will help you:
* develop a savings strategy using your 401(k) plan or any other retirement plan.
* know how much you need to save for retirement.
* understand retirement plans and how they work.
* understand the time value of money.
* start thinking about how much income you will need in retirement.
* help you determine your options if you aren't saving enough.

In short, Retirement Planner software will help you plan for a better retirement. For something so important, don't you want to be absolutely sure you will be financially ready?

New features include:
- print graphs
- more ways to register
- can enter company match and contributions using raw dollar amounts or by percentage of salary
- SOCIAL SECURITY estimate
- asset allocation model
- better printing and reporting
- spreadsheet and graphical analysis of your 401(k) balance growth and retirement income
- set a retirement income goal in today's dollars and $401K Planner will show you clearly in a graph whether your current savings strategy will meet that goal.
- new and improved interface

This program can be customized with your company name, logo, and contact info for distribution to customers, employees or 401(k) plan participants.

================================================================
INSTALLATION:
================================================================
You can run the SETUP program to install the program.  However, you must have VBRUN300.DLL either installed on your system already or in the same directory as the SETUP program.  Without VBRUN300.DLL you cannot run either the SETUP program or the RETIREMENT PLANNER because it was created using Visual Basic and requires it.

If you don't have VBRUN300.DLL on your computer (do a search of your computer to find out; it's probably in your WINDOWS/SYSTEM directory), then don't panic you can download it from the following places:

- On America Online, go under the GoTo menu and select Search the Software Libraries.  Enter VBRUN300.EXE in the search keywords.  This will bring up a list of files which should include the VBRUN300 self-installing archive.  Select one and choose Download Now.  

- On the Internet, go to our web site at:
	http://www.torrid-tech.com
Find the area for Retirement Planning Software and then go into the Windows version area.  On that page should be a link for you to download VBRUN300.ZIP.


================================================================
TECHNICAL SUPPORT:
================================================================
For technical support questions or problems, contact:

Torrid Technologies
2900 Delk Rd. Suite 700-38
Marietta, GA 30067

E-Mail: 	ttsupport@torrid-tech.com
WEB: 		http://www.torrid-tech.com
