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TERMS OF SERVICE

47 Sections • Effective Since 1998 • Last Amended: Never

CONFIDENTIAL — MICROSOUL CORP INTERNAL Distribution: Executive Team Only Date: October 14, 1997 From: Helena Ash, Head of Product Subject: Soul Market Consolidation — Three Phase Approach Phase 1: ABSORB Phase 2: ADAPT Phase 3: ARCHIVE This approach has a 100% success rate. The market doesn't consolidate itself. Warm regards, Helena