The Neo Geo BIOS is still copyrighted property of SNK. You should only download it if you own a legitimate Neo Geo system or have legally obtained the BIOS from original hardware.
You do load this file directly. You simply place it in the same directory as your game ROMs (typically the /roms/ folder). When you load a game like Metal Slug , FBNeo will automatically check that folder for neogeo.zip to boot the system. fbneo neogeo.zip
Benefits of UniBIOS: