January 31, 2000

Mr. Steve Ward, President
Ward Systems Group, Inc.
Executive Park West
5 Hillcrest Dr.
Frederick, MD 21703

Dear Steve:

Last year I participated in American Skandia's 2nd annual Internet investment game - MarketMa$ter 2, a national investment contest that involved dynamic asset allocation. There were about 4200 investment professionals competing. I came in second using NeuroShell Trader Professional, even though I started about a month and a half after the other participants! I started off with $10,000.00 at the beginning of the investment period and finished with $23013.31.

I made about 130% in less than 6 months. Thanks to your product I have had somewhat similar returns in my personal account.

Best of all I am receiving a check for $13,013.31 as my award from this contest. Attached is the press release that was sent to me by American Skandia.

Sincerely,
Shashi Mehrotra