GENERAL RELEASE AND SEVERANCE AGREEMENT


         This  General  Release  and  Severance  Agreement (the  "Agreement") is
entered into between InteliData Technologies Corporation, a Delaware corporation
("InteliData"), and John C. Backus, Jr. ("Backus").

         WHEREAS,  InteliData  and Backus  entered into an Employment  Agreement
effective  as of August 11, 1997 (the  "Employment  Agreement"),  governing  the
terms of his employment as President and Chief Executive Officer;

         WHEREAS,  Backus served as  InteliData's  President and Chief Executive
Officer pursuant to the terms and conditions of that Agreement;

         WHEREAS,   Backus   subsequently   became  Chairman  of  the  Executive
Committee,  and ceased to serve in the capacity of President and Chief Executive
Officer;

         WHEREAS,  since  approximately  December 31,  1998,  Backus has devoted
substantially less than full time and effort to the business of InteliData,  and
has devoted the majority of his time and efforts to other businesses;

         WHEREAS,  Backus  continues  to serve  InteliData  as a Director of the
Company, but wishes to discontinue his service in that capacity;

         WHEREAS,  InteliData  continued to provide compensation and benefits to
Backus as of March 1999 at the levels  specified  in the  Employment  Agreement,
notwithstanding the changes in Backus' circumstances;

         WHEREAS,  InteliData  and Backus have certain  disagreements  as to the
current  status of  Backus'  employment  and his  rights  under  the  Employment
Agreement;

         WHEREAS,  InteliData  and Backus wish to enter into this  Agreement  to
resolve  those  differences  and to specify the terms and  conditions  that will
govern the cessation of Backus' employment with InteliData;

         THEREFORE,  in  exchange  for  good  and  adequate  consideration,  the
adequacy of which is hereby  specifically  acknowledged,  the  Parties  agree as
follows:

         1. Termination of Backus' Employment and Director Status. Backus agrees
that his employment and service with  InteliData,  in all capacities,  including
service as a Director of the Company or any of its  subsidiaries,  and as one of
the Company's  designated  Director of Home  Financial  Network,  Inc.,  will be
deemed to have terminated effective as of the Effective Date.

         2. Severance.  In consideration  for Backus'  relinquishment of various
contract  rights  under  the  Employment  Agreement,  within  seven  days of the
Effective Date of this Agreement,  InteliData  agrees to pay severance to Backus
in the lump sum amount of $450,000.

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         3. Company  Property / Account Balance.  In  consideration  for Backus'
relinquishment  of  various  contract  rights  under the  Employment  Agreement,
InteliData  agrees  that it will  allow  Backus to retain all  Company  property
described in section 5(k) of the  Employment  Agreement,  and that it will allow
Backus to retain  the entire  prepaid  mileage  balance  in his United  Airlines
Passplus Account that existed as of December 31, 1998.

         4. Stock Options and Consulting Services. Effective as of the Effective
Date of this Agreement,  all unvested stock options for InteliData stock held by
Backus under the InteliData  1996 Incentive Plan shall be canceled.  The 125,000
unvested  stock options for  InteliData  stock held by Backus under the US Order
1991 Stock  Option  Plan shall  remain in full force and effect  pursuant to the
terms  of  such  options  through  December  31,  1999.   Provided  however,  in
consideration for Backus continuing consultation services to the Company through
December  31,  1999,  regarding  the  Company's  financing  plans and merger and
acquisition strategy,  the provision of Section 5 of the February 24, 1998 Stock
Option  Agreement  granting  said options  shall be modified to provide that the
Option shall not terminate upon Backus'  resignation  as an employee,  but shall
otherwise  continue in accordance  with the terms of the Stock Option  Agreement
through  December 31, 1999. Any options that are not vested by December 31, 1999
shall be cancelled.

         5. Medical Benefits. Backus shall continue coverage under the Company's
medical,  vision and dental plans  through  December 31, 2000 pursuant to COBRA,
except that the Company shall pay all applicable premiums.

         6.  Beneficiaries.  Any payment to which Backus is entitled  under this
Agreement  shall,  in the event of his death,  be made to his wife or such other
persons as Backus shall designate in writing to InteliData form time to time. If
no such  beneficiaries  survive  Backus,  such payments shall be made to Backus'
estate.

         7. Taxes.  To the extent any excise  taxes are due with  respect to the
payments  or other  consideration  set forth in  paragraphs  2 through 5 of this
Agreement,  InteliData agrees to pay such taxes and to indemnify and hold Backus
harmless  for  any tax  claims  or  penalties  resulting  from  any  failure  by
InteliData  to pay such taxes.  To the extent any taxes other than excise taxes,
including federal or state income taxes, are due with respect to the payments or
other  consideration  set forth in  paragraphs  2  through 5 of this  Agreement,
Backus agrees to pay such taxes and not to seek reimbursement or indemnification
from InteliData.

         8.  Indemnification / D&O Insurance.  The provisions of section 4(g) of
the Employment  Agreement  shall continue in full force and effect,  except that
the last  sentence of that  section  4(g) shall be amended to provide  that such
obligations  shall apply with respect to acts and events  occurring prior to and
through  the last  date  upon  which  Backus  provides  consulting  services  as
referenced  in paragraph 4 of this  Agreement,  rather than prior to and through
the date of termination.

         9.  Nondisparagement.  The  provisions of section 16 of the  Employment
Agreement shall continue in full force and effect.

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         10. Nonapplicability of Noncompetition Covenants. InteliData and Backus
agree that the provisions of section 15 of the Employment Agreement do not apply
with  respect  to  Backus'  activities  either  before  or  after  the  date  of
termination described in paragraph 1 of this Agreement.

         11.  Effective  Date.  For purposes of all provisions set forth herein,
the  Effective  Date of this  Agreement  shall be the  first day as of which the
seven-day  revocation  period described in paragraph 14(b) of this Agreement has
expired.

         12. Integration of Employment Agreement. Except to the extent expressly
incorporated by reference  within this Agreement,  the parties agree that, as of
the Effective Date of this  Agreement,  the Agreement  supersedes the Employment
Agreement  and that the  Employment  Agreement  will be of no further  force and
effect thereafter.

         13.  Mutual  Release of Claims and  Covenant  Not to Sue.  Except  with
regard  to  obligations  created  by,  arising  out  of,  or  described  in this
Agreement,  Backus and InteliData agree for themselves and any present or future
successors,  assigns, parents,  subsidiaries,  affiliates,  directors, officers,
shareholders,  general or limited  partners,  employees,  heirs,  beneficiaries,
devisees, executors, administrators,  attorneys, agents, and representatives, to
release,  discharge,  and covenant not to sue each other for any claims,  debts,
demands,  accounts,  judgments,  rights,  causes of action, claims for equitable
relief, damages, costs, charges, complaints,  obligations, promises, agreements,
controversies,  suits, expenses,  compensation,  responsibility and liability of
every kind and character whatever (including attorneys' fees and costs), whether
in law or  equity,  known or  unknown,  asserted  or  unasserted,  suspected  or
unsuspected,  which they may have against each other;  provided,  however,  that
notwithstanding  anything to the contrary set forth herein, this General Release
shall not extend to claims by Backus for benefits under employee pension benefit
plans  or  retiree  welfare  benefit  plans  in which  Backus  may  have  been a
participant  by virtue of his employment  with  InteliData or for benefit claims
under employee welfare benefit plans for occurrences (e.g., medical care, death,
or onset of disability) arising after the execution of this Agreement by Backus.

         14.  Release  of Age  Discrimination  Claims,  Periods  for  Review and
Reconsideration.

a.  Backus  understands  and agrees  that this  paragraph  14 of this  Agreement
includes a release of claims arising under the Age  Discrimination in Employment
Act  (ADEA) and that this  provision  does not waive  rights or claims  that may
arise after the date the waiver is  executed.  Backus  understands  and warrants
that he has been given a period of  twenty-one  (21) days to review and consider
this  Agreement.  Backus is hereby  advised to consult with an attorney prior to
executing the Agreement. Backus further warrants that he understands that he may
use as much of or all of this 21-day  period as he wishes  before  signing,  and
warrants that he has done so.

b. Backus further  warrants that he understands that he has seven (7) days after
signing this  Agreement to revoke the  Agreement by notice in writing to William
F. Gorog,  Chairman of InteliData.  This Agreement shall be binding,  effective,
and  enforceable  upon the
<PAGE>

expiration of this seven-day revocation period with William Gorog having receive
no such revocation, but not before such time.

         15.  Amendment.  This  Agreement  may be  amended or  modified  only by
agreement  by  both  parties  signed  by  both  Backus  and  a  duly  authorized
representative of InteliData.

         16.  Governing Law. This  Agreement  shall be governed and construed in
all respects in accordance with the laws of the Commonwealth of Virginia without
regard to the conflict of laws and rules contained herein.

         17. Understanding and Authority.  The parties understand and agree that
all terms of this  Agreement are  contractual  and are not a mere  recital,  and
represent  and warrant  that they are  competent to covenant and agree as herein
provided.

         18. Severability.  In any term,  provision,  covenant or restriction of
this Agreement is held by a court of competent  jurisdiction  or other authority
to be invalid,  void or unenforceable,  the remainder of the terms,  provisions,
covenants  and  restrictions  of this  Agreement  shall remain in full force and
effect and shall in no way be affected, impaired or invalidated.

         The parties have carefully  read this Agreement in its entirety;  fully
understand  and agree to its terms and  provisions;  and intend to agree that it
final and binding on all parties.

         IN WITNESS WHEREOF, and intending to be legally bound, the parties have
executed the foregoing on the date shown below.




Dated:/s/ June 21, 1999        By:/s/ John C. Backus, Jr.
      ------------------          -------------------------------------
                                  John C. Backus, Jr.




Dated:/s/ June 23, 1999        By:/s/ William F. Gorog
      ------------------          -------------------------------------
                                  William F. Gorog, Chairman
                                  InteliData Technologies Corporation