End User License Agreement

1. License Grant

Opal is protected by copyright laws, international copyright treaties and other intellectual property laws and treaties. Opal is licensed on a non-exclusive basis, not sold. You may install, use, access, run or otherwise interact with Opal, for your own use or your company's use, solely for your internal business purposes. You may use multiple computers or workstations to access Opal since it is accessed via the Internet; you may download Opal files as needed, however you may only do this for your own use or your company's use.

This license is only for your own use or your company's use; it may not be used for multiple covered entities or multiple businesses — each will need their own license. You may print copies of Opal files and documents solely for your internal distribution and use.

All rights not expressly granted are reserved by Opal. Without limiting the foregoing, this EULA does not grant you any rights to:

• Sublicense, distribute or transmit Opal in whole or in part
• Modify Opal
• Use Opal to operate a claims service bureau, consulting service, or other service without the express and written permission of Opal
• Reverse engineer, decompile, or disassemble Opal, except as expressly permitted by applicable law
• Use any trademarks of Opal
• Copy any printed materials accompanying Opal

Your rights under this EULA may not be transferred, leased, assigned, or sublicensed. Any purported attempt to do so will be void.

2. Ownership of Intellectual Property

As between you and Opal, all rights in and to Opal are owned by Opal, including all rights provided under copyright law, trademark law, patent law, trade secret law, and all other forms of proprietary and intellectual property protection.

3. Breach and Termination

Without prejudice to any other rights, Opal may terminate this EULA if you fail to comply with its terms. In such event, you must destroy all copies of Opal in your possession.

4. Support Services

Opal may provide you with support services related to Opal ("Support Services"). Use of Support Services is governed by the Opal policies and programs described in materials on the Opal website or in other Opal-provided materials.

5. Disclaimer of Warranties; Exclusion of Damages; Limitation of Liability

OPAL AND ITS AFFILIATES PROVIDE OPAL "AS IS" AND MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE PERFORMANCE OR RESULTS YOU MAY OBTAIN BY USING OPAL AND HEREBY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE OR FREEDOM FROM VIRUSES OR OTHER MALICIOUS CODE. OPAL AND ITS AFFILIATES DISCLAIM ANY WARRANTIES THAT OPAL WILL ENSURE COMPLIANCE WITH THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 (PL 104-191, AS AMENDED) PRIVACY OR SECURITY STANDARDS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL OPAL OR ITS AFFILIATES BE LIABLE TO YOU FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, PUNITIVE OR OTHER DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR ANY INJURY TO PERSON OR PROPERTY, LOSS OF PROFITS, BUSINESS INTERRUPTION, OR LOSS OF BUSINESS INFORMATION) ARISING OUT OF OR IN ANY WAY RELATED TO THE USE OF OR INABILITY TO USE OPAL, EVEN IF OPAL OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL OPAL'S OR ITS AFFILIATES' LIABILITY EXCEED THE AMOUNT YOU PAID FOR THIS LICENSE.

Some states or jurisdictions do not allow the exclusion or limitation of incidental, consequential, or special damages, or the exclusion of implied warranties, so the above limitations may not apply to you.

6. No Legal or Other Professional Advice

The information contained in Opal does not constitute, and is no substitute for, legal or other professional advice. You should consult your own legal or other professional advisors for individualized guidance regarding the application of the law to your particular situation, your State, and in connection with other compliance-related concerns.

7. General Provisions

This EULA and the rights and obligations of the parties with respect to Opal will be governed by, and construed in accordance with the laws of the State of Colorado, USA, without reference to choice of law principles. All disputes concerning or arising under this EULA shall be settled by arbitration in Denver, Colorado before a single arbitrator under the Commercial Dispute Rules of the American Arbitration Association. The award in any such arbitration shall be final and may be entered in any court of competent jurisdiction. By agreeing you waive your right to a jury trial.

This EULA will not be governed by the United Nations Convention on Contracts for the International Sale of Goods. If any part of this EULA is found unenforceable, it will not affect the validity or enforceability of any other provision. Failure by either party to declare a default will not constitute a waiver of rights. Opal may not be used in any country or manner prohibited by law, regulation or order. No amendment or modification of any provision of this EULA will be effective unless set forth in a writing signed by an authorized officer of both parties.

This EULA constitutes the complete agreement between you and Opal with respect to Opal and supersedes all proposals (oral or written), all previous negotiations, and all other communications.

8. Affiliates

"Affiliates" of Opal include its officers, employees, agents, subsidiaries, suppliers and parties with whom it has developed Opal and the website.