                StockPiler 4.3.1 Readme File

Thank you for choosing StockPiler. This file provides
details regarding your product license and registration.

This latest version supersedes Version 4.3. Changes include:

1. Elimination of the "Fractions" menu item in accordance
    with American exchanges complete conversion of stocks
    and options prices from fractions to decimals.

2. The Borland database engine (BDE) components were 
    removed from "c:\program files\common files.." folder and
    placed in a subfolder under "StockPiler"

3. The demo version of the program is converted to the fully
    functional version by the simple insertion of a code

CONTENTS OF THIS README FILE

  A. About StockPiler:- Features

  B.   Contacting Spread Systems, Inc.
      - Electronic Access
      - By Telephone
      - Mail

  C.   Ordering Information

  D.   System Requirements
        Installing
        UnInstalling

  E.   Product License Agreement

  F.   Important Options Information 
 _____________________________

A. About StockPiler:- Features

StockPiler is a Windows 95/98/Me NT database software program for storing,
managing and organizing executed stocks and options trades for
portfolio management, free delayed quotes downloads, calculating 
IRS 'Wash Sales' basis,  complete IRS Schedule D-1 generation, and for
price alerts . 

Features include:

* Store stocks and/or options executions (trades)-open and/or closed. 
* Determine 'Wash Sales' scenarios and calculate 'Wash Sales' basis 
* Directly print IRS Schedule D-1 forms for any tax year. 
* Stock/option price alerts.
* Import existing portfolio files from your broker, Internet, or other sources, 
  directly into StockPiler's environment.
* View portfolio's delayed quotes (prices) from various free Internet sites
* Download Internet  prices, automatically update current portfolio balance.
* StockPiler shows your current portfolio market value (including or excluding
  closed or archived trades totals). 
* Personalize your favorite website URL's database for convenient Internet   
  access to news and information. Directly access each website from StockPiler.
* StockPiler's Report Manager features nineteen different reports, each of  
  which is presented in either full or summarized formats. 
* View Buy Side, Sell Side (and Profits/Proceeds) of each trade together,   
  regardless of when each side was executed. 
* List views of select individual stocks, options, (both combined), open trades,   
  all trades, trades pending broker confirmation, archived (closed) trades, more... 
* Live view of net revenue and net commissions, of your entire portfolio, or of   
  individual stocks and/or options. 
* StockPiler manages options assignments and exercises. Simply enter 'E' for   
  exercise, or 'A' for assignment of your long or short options. StockPiler   
  searches the database for your long or short stock positions, then matches  
  call exercises with existing short stock positions, short put assignments with  
  short stock positions, short call assignments with long stock positions, etc. 
* StockPiler calculates net revenues and commissions according to your pre- 
  inputted broker-based commission rate schedule. Any discrepancies with your  
  broker's reported totals will be evident once you've received and entered your 
  broker confirmation totals. 
* Archive closed out (resolved) trades to a separate (archive) file with the  
  click of your mouse. 
* Easily bring archived trades into view for editing, deleting,...
* StockPiler manages stock splits and options splits.


B. Contacting Spread Systems, Inc.

-- ELECTRONIC ACCESS:
    Internet E-mail:        info@spreadsystems.com
    World Wide Web:    http://www.spreadsystems.com 
                       
-- BY TELEPHONE:
    (504) 314-6304
  
-- By Snail Mail:
    Spread Systems, Inc.
    PO Box 13224
    New Orleans, LA 70185


C. Ordering Information 

   To order licensed copies of StockPiler, please visit our website: 
   www.spreadsystems.com. Secure credit card order link is provided
   through Spread System's order taking service.


D. System Requirements

MINIMUM SYSTEM REQUIREMENTS
------------------------------------------------------------

* A personal computer with a 233MHz or faster CPU 
* Microsoft Windows 95, 98, NT operating system
* 16MB RAM
* 20MB hard drive free space
* A VGA or higher resolution monitor and graphics adapter
* Mouse or other pointing device
* If installing from a CD you also need a CD-ROM drive and
  at least 10MB free space on your hard disk drive.


1. To install StockPiler double click on the file 'Setup.exe' 
   (Application)

2. To UNinstall StockPiler in its entirety. (Click 'Start' on the
   Windows Task Bar, then Settings - Control Panel - 
   Add/Remove Programs). Pls. Note: if you have created
   desktop icons, these will not be UNinstalled. They must
   be physically removed.



E.  End-User License Agreement

Please Read Carefully:

1. GENERAL

This End-User License Agreement (EULA) is a legal agreement 
between you - an individual and Spread Systems, Incorporated 
for use of the software product - StockPiler. By installing, 
copying, downloading or otherwise using StockPiler you agree to 
be bound by this EULA. If you do not agree to the 
terms of this EULA as described herein:

   DO NOT INSTALL ANY PARTS OR COMPONENTS OF THIS
   PROGRAM. CANCEL INSTALLATION PROCESS AND DELETE
   ALL StockPiler-RELATED FILES FROM YOUR COMPUTER.

2. SOLICITATION

StockPiler is not to be construed as an offer or solicitation 
of an offer to buy or sell stocks, options or other 
derivatives or securities. Further, trades, strategies, 
speculations, or executions presented or discussed by 
StockPiler are not recommendations or suggested, specific 
or otherwise investment, hedge, trading, defensive, or 
any other financial strategies.

StockPiler is database tool intended to assist individuals 
in managing and organizing their trades executions. StockPiler 
IS NOT INTENDED TO PROVIDE TRADING OR INVESTMENT ADVICE. 

3. SOFTWARE PRODUCT LICENSE

This software product - StockPiler is not vended. 
You - an individual, are licensed to use StockPiler. 
StockPiler is the property of Spread Systems, 
Incorporated.  All rights not specifically granted to you 
hereunder are reserved by Spread Systems, Incorporated.

This product is protected by copyright laws and international 
copyright treaties, as well as by other intellectual property 
laws and treaties. 

4. GRANT OF LICENSE

You are hereby granted the non-exclusive right to use each 
licensed copy of StockPiler on one computer at a time. You may 
install one copy of StockPiler on a single computer. You, an 
individual, may install each licensed copy on a second 
computer, only if this second computer is portable. At no time 
shall more than one user be using a single licensed copy of StockPiler.

5. OTHER RIGHTS AND LIMITATIONS

* Resale. You may not resell StockPiler.
* Decompilation, Disassembly, Reverse Engineering. You may
  not decompile, disassemble, reverse engineer, alter, adapt, 
  merge this product without written consent from Spread Systems, 
  Inc. Database tables as contained in their source sub-folder 
  "Tables" may be appended, edited or otherwise manipulated 
  provided that they first be copied from their source to 
  another folder, and that the names be changed. 
  Inasmuch, neither Spread Systems, Inc. nor its suppliers will
  be responsible for damages, or losses of any kind.
* Separation or Addition of Components.  StockPiler is licensed 
  as a single complete product. You may not add, detach, or 
  separate any of its components, except for its table files as 
  described above.
* Lease. You may not rent, lease, or loan StockPiler.
* Transfer. You may permanently transfer StockPiler to another 
  party only if that party agrees to accept the terms of this 
  EULA, and sends written acknowledgment of such acceptance to 
  Spread Systems, Inc. at PO Box 13224, New Orleans, Louisiana 
  70185. You may then deliver wholly to that party, the original 
  program, any copied components thereof, and all related 
  materials and documentation. Any transfer other than as 
  expressly permitted herein shall be void and shall result in 
  the termination of this EULA. The demonstration package of 
  StockPiler marked "StockPiler Demo Package" or "stockP40.zip"
  may be freely transferred as long as the user reads and accepts
  this EULA.
* Services and Support. Spread Systems, Inc. may provide 
  support for general usability of StockPiler. Spread Systems, Inc. 
  is not obligated to provide technical support on the subject 
  of OPTIONS or STOCKS.
* Termination. Spread Systems, Inc. may automatically terminate 
  this EULA if you violate any of its terms. In such event you 
  must destroy StockPiler in whole and all of its component parts 
  including copied table files and structures.


6. COPYRIGHT

All title and copyrights in and related to StockPiler (including
but not limited to tables, images, text, help files, libraries, 
photographs, audio, applets incorporated into the software product),
accompanying printed materials and any copies of the software 
product or its components are owned by Spread Systems, Inc. or 
its suppliers.  You may install StockPiler as described in "The 
EULA - Grants" described above. You may maintain the original 
product-containing disks, if any, solely for back-up or archival 
purposes. You may not copy the printed materials or help file 
topics accompanying this product, or distribute any .exe or .zip files
of the licensed product.

7. U.S. GOVERNMENT RESTRICTED RIGHTS

Use, duplication or disclosure by the Government is subject 
to restrictions as set forth in subparagraphs (a) through (d) 
of the Commercial Computer-Restricted Rights clause at 
FAR 52.227-19 when applicable, or in subparagraph (c) (1) (ii)
of the Rights in Technical Data and Computer Software clause 
at DFARS 252.227-7013, and in similar clauses in the NASA AR 
Supplement. Contractor / manufacturer is Spread Systems, Inc., 
PO Box 13224, New Orleans, LA 70185.


8. DISCLAIMER AND LIMITATION OF LIABILITY

Spread Systems, Inc. does not make or give any representation 
or warranty with respect to the usefulness or the efficiency 
of this product. It being understood that the degree of success 
with which equipment, software, modifications, and other materials 
can be applied to data processing is dependent upon many factors, 
many of which are not under the control of Spread Systems, Inc.  

ACCORDINGLY, StockPiler IS PROVIDED TO YOU 'AS IS' WITHOUT 
WARRANTY. NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING NO 
WARRANTIES OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR 
PURPOSE, OR NON-INFRINGEMENT IS PROVIDED REGARDLESS OF WHETHER 
OR NOT SPREAD SYSTEMS, INC. IS AWARE OR HAS REASONS TO BE AWARE 
OF YOUR NEEDS.  THIS SOFTWARE PRODUCT IS PROVIDED GRATUITOUSLY 
AND, ACCORDINGLY, SPREAD SYSTEMS, INC. SHALL NOT BE LIABLE 
UNDER ANY THEORY FOR ANY DAMAGES SUFFERED BY YOU.  SPREAD 
SYSTEMS, INC. WILL NOT SUPPORT THIS SOFTWARE AND IS UNDER NO 
OBLIGATION TO ISSUE UPDATES TO THIS SOFTWARE. IN ADDITION, 
NEITHER SPREAD SYSTEMS, INC. NOR ANY OTHER PERSON WARRANTIES 
THAT StockPiler WILL RUN UNINTERRUPTED OR ERROR-FREE.  YOU ARE 
SOLELY AND ENTIRELY RESPONSIBLE FOR YOUR USE OF StockPiler.

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, NEITHER 
SPREAD SYSTEMS, INC. NOR ITS SUPPLIERS SHALL BE LIABLE FOR 
(a) INCIDENTAL, CONSEQUENTIAL, SPECIAL OR INDIRECT DAMAGES 
    OF ANY SORT, INCLUDING, WITHOUT LIMITATION, ANY LOSS 
    OF PROFITS, LOST SAVINGS OR OTHERWISE FINANCIAL LOSS, 
    DAMAGE TO DATA, WHETHER ARISING IN TORT, CONTRACT OR 
    OTHERWISE, EVEN IF SPREAD SYSTEMS, INC. HAS BEEN INFORMED 
    OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR 
(b) ANY CLAIM BY ANY OTHER PARTY. SOME STATES DO NOT 
    ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR 
    CONSEQUENTIAL DAMAGES, SO THIS LIMITATION AND EXCLUSION 
    MAY NOT APPLY TO YOU.  
(c) COOKIES: WEBSITE ADDRESSES OR URL's INCLUDED IN THIS 
    PROGRAM ARE PROVIDED AS COURTESY AND/OR EXAMPLES OF HOW
    TO USE THIS PROGRAM. SPREAD SYSTEMS, INC. DOES NOT ENDORSE,
    SUPPORT, ADVOCATE, OR RECOMMEND ANY OF THESE WEBSITES OR
    THEIR CONTENTS. FURTHER, SPREAD SYSTEMS WILL NOT BE LIABLE
    OR RESPONSIBLE IN ANY WAY FOR DAMAGES, OR HARD DRIVE CAPACITY
    CONSUMED BY INTERNET COOKIES.

TAX CONSIDERATIONS: 
Tax assessments or liabilities are not taken into consideration 
by StockPiler. See your appropriate financial professional for tax 
advice. The data printed on IRS Schedule D-1 forms by this program
result solely from your input. Further, 'Wash Sales' basis calculated 
by this program are each approved by you before insertion, and are 
therefore considered your inputs.

Reports (including Schedule D-1) produced by StockPiler are based 
solely on your inputs, and in no way are representative, indicative, 
or otherwise suggested or recommended capital gains or tax liabilities. 
Neither Spread Systems, Inc. nor its suppliers shall be responsible, 
or liable in any way regarding any issues involving taxes.

This EULA constitutes the parties' final, complete and exclusive 
EULA with respect to StockPiler.

This EULA may only be modified or amended in writing, signed by 
you and Spread Systems, Incorporated.
------------------------------------------------------------

F. Important Information on Options

Options involve risk, and are not suitable for all 
traders/investors. You could lose all of your investment 
and more. IT IS IMPORTANT THAT YOU READ AND UNDERSTAND ALL 
RISKS ASSOCIATED WITH THE PURCHASE OR SALE OF OPTIONS. It 
is recommended that you read and understand as a minimum,
the publication "Characteristics and Risks of Standardized 
Options" available from your broker or from the Chicago 
Board Options Exchange (1-800-OPTIONS), prior to the initial 
purchase or sale of options.  
 

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