User License Agreement The J and L Financial Planner is not free software. Subject to the terms below, you are hereby licensed to use this software for evaluation purposes without charge for a period of 21 days. If you use this software after the 21 day evaluation period a registration fee of $79.00 is required. Payments must be in US dollars drawn on a US bank, and should be sent to J and L Software LLC, 203 Clubside Drive, Taneytown, MD 21787. INSTALLING OR USING THE J and L Software Financial Planner 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. The J and L Financial Planner is freely distributable, but you are specifically prohibited from charging, or requesting donations, for any copies of the J and L Financial Planner, however made; and from distributing the software and/or documentation with other products (commercial or otherwise) without prior written permission from J and L Software or their legal representative. J and L Software hereby grants to you a non-exclusive license to use the Software on one computer. Simultaneous use of the software by multiple users is not allowed. For corporate users, this license entitles you to use the software on one computer. Use of the same software by other users, even if not simultaneous, is not allowed, unless you purchase a site license. J and L Software retains all right, title and interest in the J and L Financial Planner. If you use the J and L Financial Planner you agree NOT to modify, reverse engineer, decompile, or disassemble it except to the extent that applicable laws may prohibit such restriction. 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. Either party may terminate this License at any time upon written notice to the other party. The following paragraphs shall survive termination of this License: THE J and L Financial Planner IS PROVIDED ON AN AS IS BASIS. J and L Software DISCLAIMS ALL WARRANTIES, WHETHER EXPRESSED OR IMPLIED, WITH REGARD TO THE J and L Financial Planner, INCLUDING WITHOUT LIMITATION ALL WARRANTIES OF NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. J and L Software RESERVES THE RIGHT TO NOT SUPPORT THE J and L Financial Planner OR ISSUE UPDATES TO THE J and L Financial Planner. The entire risk as to the quality and performance of the J and L Financial Planner is borne by you. Should the J and L Financial Planner prove defective, you and not J and L Software assume the entire cost of any service and repair. IN NO EVENT WILL J and L Software BE LIABLE FOR ANY DAMAGES IN EXCESS OF THE AMOUNT J and L Software RECEIVED FROM YOU FOR A LICENSE TO THE J and L Financial Planner, EVEN IF J and L Software 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. IN NO EVENT WILL J and L Software, ITS LICENSER(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 J and L Financial Planner EVEN IF J and L Software OR ITS LICENSER(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 J and L Software DEALER, AGENT, OR EMPLOYEE IS AUTHORIZED TO MAKE ANY MODIFICATIONS, EXTENSIONS, OR ADDITIONS TO THIS WARRANTY. The J and L Financial Planner is for coarse estimating purposes only. The J and L Financial planner was written to give only a broad brush estimate of a financial scenario and not an exact representation of any investment or savings strategy. IN NO EVENT WILL J and L Software ITS LICENSER(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 or for the accuracy of the calculations in this program. You agree that J and L Software ITS LICENSER(S) AND THE DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS are not advocating, recommending, or advising you with respect to any specific investment strategy, and are NOT providing investment advice. You agree that we are not liable for any investment losses or for your financial planning.