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                                                                    Exhibit 10.3

                            ASSET PURCHASE AGREEMENT

         This asset purchase agreement, is made and entered into as of the 30th
day of January, 2004, by and between eFunds Corporation, a Delaware corporation
(the "Purchaser"), and Benton Consulting Partners, a California corporation (the
"Seller").

         WHEREAS, Seller is engaged in the business of providing consulting and
related services in the electronic processing of transactions (the "Business");
and

         WHEREAS, Seller desires to sell to Purchaser, and Purchaser desires to
purchase certain intangible assets of the Seller on the terms and conditions set
forth in this agreement; and

         WHEREAS, Seller desires to assign to Purchaser and Purchaser desires to
assume from Seller, on the terms and subject to the conditions as set forth in
this agreement, certain of the obligations and liabilities of Seller
specifically identified in this agreement; and

         WHEREAS, John B. Benton ("Benton") and John A. MacAllister
("MacAllister") are the sole shareholders of the Seller and desire to cause
Seller to effect the transactions described in this agreement.

         NOW, THEREFORE, in consideration of the premises, the respective
covenants and commitments of Seller and Purchaser set forth herein, and other
good and valuable consideration, the receipt and adequacy of which are hereby
acknowledged, Purchaser and Seller hereby agree as follows:

                                   ARTICLE I.
                  TRANSFER OF ASSETS; ASSUMPTION OF LIABILITIES

         1.1      Transfer of Assets to eFunds. On the terms and subject to the
conditions set forth in this agreement, Seller shall, at the Closing (as
hereinafter defined), sell, transfer and assign to Purchaser and Purchaser
shall, except as provided in Section 1.2, purchase and acquire from Seller, all
of Seller's right, title and interest as of the Closing Date (as hereinafter
defined) in and to all of the following assets of Seller (collectively, the
"Assets"):

                  (a)      All of Seller's Intellectual Property Rights (as
         hereinafter defined) and all tangible representations thereof,
         including all rights in and to the name "Benton Consulting Partners" or
         the domain name "bentonconsultingpartners.com";

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                  (b)      All of Seller's plans, including but not limited to
         business, marketing or sales plans, information on costs and prices,
         and the right to pursue Seller's business opportunities;

                  (c)      All rights of Seller under any proprietary
         information and invention assignment agreements, or any agreement
         similar in nature thereto, with all past and present employees of,
         consultants to or contractors for Seller, wherever located
         ("Proprietary Information Agreements");

                  (d)      All of Seller's claims and rights under all
         relationships, agreements and contracts including without limitation
         with customers, vendors, distributors, sales representatives and
         original equipment manufacturers ("OEMs"), confidentiality agreements,
         licenses, purchase and sale orders, quotations, and other executory
         commitments, including the items listed on schedules 1, 1A, 2 and 3(i),
         (ii) and (vi) hereto (the "Contracts");

                  (e)      All rights and incidents of interest of Seller as of
         the Closing Date in and to all real property leases for property and
         listed on Schedule 1 hereto (collectively the "Leases"), together with
         all of Seller's interest as at the Closing Date in all of the
         structures, fixtures and improvements located on the real property
         covered by the Leases;

                  (f)      All franchises, licenses, permits, consents,
         authorizations, certificates and approvals of any governmental body
         issued to or held by Seller which are necessary, related or incidental
         to the Business and which are assignable or transferable, including
         without limitation those listed on Schedule 4 hereto (collectively
         referred to herein as "Permits");

                  (g)      All originals or complete copies of all of Seller's
         customer and supplier lists and files, including addresses, drawings,
         files, sales and promotional literature, sales order log books,
         samples, customer files, papers, personnel files and all other books
         and records (the "Records") excepting those Records which by written
         contract specifically can not be assigned or transferred without the
         consent of Seller's customer or supplier; provided, however, that
         Seller shall use all commercially reasonable efforts to obtain all
         consents required so that the exception in this section 1.1(g) shall
         not apply;

                  (h)      All rights, if any, under express or implied
         warranties from suppliers and vendors of Seller which are transferable;

                  (i)      All of Seller's causes of action, judgments and
         claims or demands of whatever kind or description against third parties
         except for such matters related to the assets described in Section 1.2;

                  (j)      All goodwill associated with the Business (the
         "Goodwill");

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                  (k)      All marketing plans and materials, training
         materials, office manuals, any technical or reference manuals and
         similar items associated with the Business;

                  (l)      All interests of Seller as of the Closing Date in (i)
         all office telephone and telex numbers used primarily in the Business
         and (ii) all listings relating primarily to the Business in all
         telephone books and directories;

                  (m)      All other intangible, intellectual or leased real
         estate assets of any kind whatsoever which are owned by Seller except
         for the Excluded Assets.

         1.2      Excluded Assets. Notwithstanding the terms of Sections 1.1,
the following assets (the "Excluded Assets") shall be retained by Seller and
shall not be sold, transferred or assigned to Purchaser in connection with the
purchase of the Assets:

                  (a)      All bank accounts (including the cash on deposit in
         such accounts as of the Closing Date) and financial records with
         respect to such bank accounts;

                  (b)      All claims or rights with regard to the accounts
         receivables of the Seller as of the Closing Date or billable hours of
         Seller's employees as of the Closing Date whether billed or unbilled;

                  (c)      All equipment (including all computer equipment and
         related peripherals), tools, furniture, fixtures, office equipment and
         supplies and other tangible personal property (together with all spare
         and maintenance parts), including without limitation, those items
         listed on Schedule 1 hereto (the "Fixed Assets") located or used
         primarily at Seller's facilities;

                  (d)      All corporate certificates of authority and corporate
         minute books and the corporate stock records or registers of Seller;

                  (e)      Such Permits, Seller Agreements and other items which
         are identified in Schedule 6;

                  (f)      All rights of Seller with respect to its employee
         benefit plans and any insurance policies maintained by Seller;

                  (g)      All claims or rights of Seller (or its shareholders)
         to any refunds of any "Taxes" paid by Seller (or its shareholders) in
         respect of the activities and operation of the Business prior to the
         Closing, including, without limitation, the benefits associated with
         any net operating losses and tax credits or refunds arising in
         connection with research and development activities. For purposes of
         this agreement, the term "Taxes" means all taxes, however denominated,
         charges, fees, levies, or other assessments, including, without
         limitation, all income (including without limitation federal, state and
         provincial income taxes), gross income, gross receipts, sales, goods
         and services, use, value added, ad valorem, environmental, transfer,
         franchise, profits, business license, withholding, payroll and employee
         withholding, employment, workers' compensation, social

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         security, Pension Benefit Guarantee Corporation, employment or
         unemployment insurance, excise, estimated, severance, stamp,
         occupation, real and personal property or other taxes, customs duties,
         fees, assessments, or charges of any kind whatsoever, including,
         without limitation, all interest and penalties thereon, and additions
         to tax of additional amounts imposed by any taxing authority, domestic
         or foreign;

                  (h)      Prepaid memberships in trade associations; and

                  (i)      Corporate tax returns, general ledgers, journals and
         supporting documentation to the foregoing.

         1.3      Assumption of Liabilities. Effective as of the Closing,
Purchaser shall assume, pay, perform in accordance with their terms or otherwise
satisfy, from and after the Closing Date only the following obligations and
liabilities (the "Assumed Liabilities"): (i) obligations and liabilities arising
after the Closing Date under the Permits, Contracts and the Leases to be
assigned to Purchaser pursuant to Section 1.1; provided, however, that Purchaser
shall not assume any liabilities or obligations of Seller, (A) of or for any
breach by Seller of its obligations under any Permits or to its vendors,
customers or the other parties to such Contracts, Leases and personal property
leases arising out of or related to acts, omissions or events occurring prior to
the Closing Date including any liability obligation, or the costs of defense, in
respect of any litigation; or (B) with respect to indebtedness of Seller.

         1.4      No General Assumption. Other than as specifically set forth in
Section 1.3, Seller shall retain, and Purchaser shall not assume, and nothing
contained in this agreement shall be construed as an assumption by Purchaser of
any liabilities, obligations or undertakings of Seller of any nature whatsoever,
whether accrued, absolute, fixed or contingent, known or unknown, due or to
become due, unliquidated or otherwise.

                                   ARTICLE II.
                                 PURCHASE PRICE

         2.1      Amount. The total purchase price to be paid by Purchaser for
the Assets shall be an amount not to exceed one million five hundred fifty
thousand Dollars ($1,550,000), which shall be determined in the following
manner:

                  (a)      one million two hundred forty thousand Dollars
         ($1,240,000), payable in cash in the manner set forth in section 2.2 of
         this agreement; plus

                  (b)      the contingent cash payment, if any, calculated and
         payable in accordance with exhibit A to this agreement, provided that
         the aggregate amount to be paid Seller pursuant to this section 2.1(b)
         shall not exceed three hundred ten thousand Dollars ($310,000).

                  (c)      The purchase price (including, for this purpose, the
         liabilities assumed pursuant to section 1.3 of this agreement) shall be
         allocated among the

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         Assets in accordance with the Form 8594 attached to this agreement as
         exhibit "form 8594", and each party shall report the transactions
         contemplated by this agreement in accordance with such allocation.

         2.2      Manner of Payment. The total purchase price shall be payable
to Seller in the following manner:

                  (a)      $775,000 shall be paid by certified check or wire
         transfer on the Closing Date;

                  (b)      subject to the provisions of section 2.2(e), $232,500
         shall be paid by certified check or wire transfer on the first
         anniversary of the Closing Date;

                  (c)      subject to the provisions of section 2.2(e), $232,500
         shall be paid by certified check or wire transfer on the second
         anniversary of the Closing Date; and

                  (d)      the contingent cash amount, if any, of the purchase
         price shall be paid to Seller in accordance with the provisions of
         exhibit A attached hereto.

                  (e)      Anything herein to the contrary notwithstanding, the
         payments referred to in sections 2.2(b) and (c) of this agreement are
         subject to and contingent upon the acquisition and continued
         availability of Seller's current knowledgeable and professional
         full-time work force and management for Purchaser's Commercial
         Consulting Organization (as defined in exhibit A to this agreement).
         (Such work force and management are collectively hereinafter referred
         to as the "Acquired Work Force"). Seller acknowledges and agrees that
         the Acquired Work Force is a key and valuable reason that Purchaser is
         willing to pay the purchase price for the Assets set forth in section
         2.1 of this agreement. Therefore, the payment referred to in section
         2.2(b) of this agreement shall be proportionately reduced by the
         Voluntary Attrition Rate of the Acquired Work Force in effect on the
         first anniversary of the Closing Date. In addition, the payment
         referred to in section 2.2(c) of this agreement shall be
         proportionately reduced by the Voluntary Attrition Rate of the Acquired
         Work Force in effect on the second anniversary of the Closing Date. As
         used herein the term "Voluntary Attrition Rate" shall mean the number
         of persons in the Acquired Work Force on the Closing Date minus the
         number of persons in the Acquired Work Force who as of the first
         anniversary or the second anniversary of the Closing Date, as
         applicable, have voluntarily left the employment of Purchaser's
         Commercial Consulting Organization and who are not employed on such
         date by another of Purchaser's divisions, subsidiaries or affiliates or
         who as of such date have been terminated for cause as defined in
         Purchaser's policies and procedures, divided by the number of persons
         in the Acquired Work Force on the Closing Date.

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                                  ARTICLE III.
                    REPRESENTATIONS AND WARRANTIES OF SELLER

         As a material inducement to Purchaser to enter into this agreement and
with the understanding that Purchaser will be relying thereon in consummating
the purchase of the Assets contemplated hereunder, Seller represents and
warrants that, except as otherwise disclosed to Purchaser on exhibit B to this
agreement:

         3.1      Organization and Standing. The Seller is a corporation duly
organized, validly existing and in good standing under the laws of the state of
California and has all requisite corporate power and authority to own and lease
its assets and properties and to carry on the Business as it is now being
conducted. The copies of the articles of incorporation and bylaws of the Seller,
which have been delivered to Purchaser, are true and complete copies of the
legally adopted and current articles of incorporation and bylaws of the Seller.

         3.2      Subsidiaries, etc. The Seller does not own an equity interest
in any corporation, partnership, limited liability company, joint venture, or
other enterprise of any form or nature.

         3.3      Financial Statements. The following financial statements are
attached to this agreement as exhibit C:

                  The unaudited balance sheets of the Seller as of December 31,
                  2002 and 2003 and statements of income, changes in
                  shareholder's equity and cash flow for the fiscal years then
                  ended.

Such financial statements, together with the notes thereto, (i) are in
accordance with the books and records of the Seller, (ii) present fairly and
accurately the financial condition of the Seller as of the dates of the balance
sheets, (iii) present fairly and accurately in all material respects the results
of operations of the Seller for the periods covered by such statements, (iv)
have been prepared in accordance with generally accepted accounting principles
applied on a basis consistent with past practices, and (v) include all
adjustments (consisting only of normal recurring accruals) that are necessary
for a fair presentation of the financial condition of the Seller and the results
of the Seller's business operations for the periods covered by such statements.
As used herein the term "Latest Financial Statements" shall mean the balance
sheet of the Seller as of December 31, 2003. As of such date, the Seller did not
have any debts, liabilities or obligations of any nature (whether absolute,
accrued or contingent and whether due or to become due) which are not reflected
on exhibit C or which are not otherwise disclosed on exhibits to this agreement
or schedules delivered pursuant to section 3.4. The Latest Financial Statements
include appropriate reserves for all taxes and other liabilities accrued as of
such date but not yet payable.

         3.4      Schedules. Each of the following schedules, which have been
furnished to Purchaser by Seller and which are incorporated herein by reference,
is complete and

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the information contained therein is correct in all material respects as of the
date of each schedule:

                  Schedule 1: This schedule lists and describes each lease for
         real property, whether written or oral, to which the Seller is a party,
         fixtures or Seller's leasehold improvements, together with the term,
         rental and other material provisions thereof, and any other instrument
         under which the Seller claims or holds an interest in real property
         owned by another person.

                  Schedule 1A: This schedule lists and describes each lease for,
         or license for the use of, personal property, whether written or oral,
         to which the Seller is a party, together with the term, rental and
         other material provisions thereof.

                  Schedule 2: This schedule lists all intangible personal
         property used by the Seller in the conduct of its trade or business,
         including without limitation, all the Intellectual Property Rights and
         all contracts, agreements or licenses with respect thereto.

                  Schedule 3: This schedule lists the following agreements,
         whether oral or written, to which the Seller is a party, as of the date
         of such schedule, to the extent such agreements are not set forth in
         other schedules:

                  (i)      Each executory or partially executory contract,
         agreement or arrangement made in the ordinary course of business by the
         Seller involving an expenditure of more than $5000 for the purchase of
         any services, materials, supplies or equipment.

                  (ii)     Each executory or partially executory contract,
         agreement or commitment for the same by the Seller for delivery of its
         products or services over a period of more than (30) days from the date
         of this agreement and for an aggregate price of more than $5000.

                  (iii)    Each contract or commitment for capital expenditures
         in excess of $20,000.

                  (iv)     Each contract continuing over a period of more than
         three (3) months from its date, which is not terminable by Seller upon
         not more than thirty (30) days' notice.

                  (v)      Each agreement for the sale of any capital asset.

                  (vi)     Each contract between the Seller and any dealer,
         distributor, broker, agent, sales representative or independent
         contractor.

                  (vii)    Each agreement not otherwise listed on schedule 3 to
         which the Seller is a party or which has, or may have, a material
         effect on the Seller or its future business prospects.

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                  Schedule 4: This schedule lists all permits, licenses,
         exemptions, variances, and other approvals and authorizations which are
         necessary to conduct the business of the Seller and sets forth the
         title, issuing agency and expiration thereof and indicates which of
         such permits, licenses and approvals are not possessed or held by the
         Seller or are not in full force and effect.

                  Schedule 5: This schedule lists all personal property owned by
         any third parties other than the shareholders of Seller (whether a
         customer, supplier, employee, or other person) for which the Seller is
         responsible, other than leased property set forth on schedule 1A.

         3.5      No Defaults. Each of the leases, contracts, agreements and
insurance policies listed on the schedules referred to in section 3.4 is in full
force and effect as of the date hereof with no defaults existing thereunder. The
Seller is not in default or breach under any of such leases, contracts,
agreements and policies, and no other party to any such leases, contracts,
agreements and policies is in default or breach thereunder (other than failure
by one or more of such other parties to make timely payment of accounts
receivable rising thereunder). True and correct copies of all documents listed
in any schedule delivered pursuant to section 3.4 have heretofore been delivered
or made available to Purchaser or will be made available upon request and will
be signed by an officer of the Seller for identification upon request of
Purchaser.

         3.6      Taxes. The Seller and its shareholders have filed all income,
excise, corporate franchise, property, payroll and other tax returns or reports
required to be filed by it or them, as of the date hereof, by any foreign
country, the United States of America and any state or other political
subdivision thereof and has paid all taxes and assessments relating to the time
periods covered by such returns or reports. The amounts set up as provisions for
taxes in the Latest Financial Statements are sufficient for the payment of all
unpaid federal, foreign, state or local taxes of the Seller accrued for or
applicable to all periods ended on or prior to the date of this agreement, or
which may subsequently be determined to be owing by the Seller or its
shareholders with respect to all periods ending on or prior to the Closing Date.
There are no present disputes as to taxes of any nature payable by the Seller.
The Seller's federal income tax returns have not been audited by the Internal
Revenue Service for any tax year. The Seller has not filed with the Internal
Revenue Service a consent to have the provisions of section 341(f) of the
Internal Revenue Code apply to the sale, exchange, involuntary conversion or
other disposition of any of the Seller's assets.

         3.7      Lawsuits, Proceedings, etc. There is no action or proceeding
(whether or not purportedly on behalf of the Seller) pending or, to the
knowledge of Seller, threatened against the Seller, nor does there exist any
basis therefor, which might result in any adverse change in the condition,
financial or otherwise, of the Seller's business or assets. No order, writ or
injunction or decree has been issued by, or requested of, any court or
governmental agency which does or may result in any adverse change in the
Business or Assets or in the financial condition of the Seller or the Business.
The Seller is not liable for damages to any employee or former employee as a
result of any

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violation of any state or federal laws directly or indirectly relating to such
employee or former employee.

         3.8      Compliance with Law. The Seller is not currently being charged
with, nor is it operating the Business in violation of any applicable foreign,
federal, state or municipal laws, regulations or ordinances including, without
limitation, the federal Foreign Corrupt Practices Act, the federal Occupational
Safety and Health Act of 1970, or the regulations promulgated thereunder
("OSHA"), or any other applicable foreign, federal, state or municipal statute,
law, regulation or ordinance relating to occupational health and safety, nor is
the Seller relying on any exemption from or deferral of any such applicable
statute, law or regulation that would not be available to it after Purchaser
acquires the Shares from Seller.

         3.9      Health and Safety Matters. (a) As used in this section 3.9,
the following terms shall have the following meanings:

                           (i)      "Health and Safety Laws and Regulations"
                  shall mean any and all federal, state and local laws,
                  statutes, codes, ordinances, regulations, rules, policies,
                  consent decrees, judicial orders, administrative orders or
                  other requirements relating to human health, safety, the
                  natural environment and the workplace environment (including
                  OSHA and the Americans with Disabilities Act of 1990, as
                  amended in the regulations promulgated hereunder ("ADA"), all
                  as amended or modifies from time to time.

                           (ii)     "Property" shall refer to any real property
                  leased by the Seller pursuant to leases listed in schedule 1A
                  and any other real property that has been previously owned or
                  used by the Seller in the operation of its business.

                           (iii)    "Regulatory Action(s)" shall mean any claim,
                  demand, action or proceeding brought or instigated by any
                  governmental authority in connection with any Health and
                  Safety Laws and Regulations (including without limitation
                  civil, criminal and/or administrative proceedings), whether or
                  not seeking costs, damages, penalties or expenses.

                  (b)      The Seller and the business have complied with all
         Health and Safety Laws and Regulations. There have been no actual or,
         to the knowledge of Seller, threatened Regulatory Actions with respect
         to or against the Seller or the Business. No toxic or hazardous
         substances or wastes, pollutants or contaminants of any kind or nature
         (including, without limitation, asbestos, urea formaldehyde, radon,
         polychlorinated biphenyls, petroleum products, and any hazardous
         substance as defined in any Health and Safety Laws and Regulations)
         have been generated, treated, stored, transferred from, released or
         disposed of by the Seller, or otherwise placed, deposited in or located
         on the Property, nor has any activity involving any such substances
         been undertaken on the Property that would cause or contribute to the
         Property becoming a facility

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         subject to regulation under Health and Safety Laws and Regulations. The
         Property does not contain disruptive electromagnetic fields and
         complies with the ADA.

         3.10     Post Balance Sheet Changes. From the date of the Latest
Financial Statement through the date of this agreement, the Seller has not (a)
changed its authorized stock or issued, sold, bought, redeemed or issued any
rights to subscribe to or warrants to purchase or entered into any agreements,
commitments or obligations to issue, sell, buy or redeem any shares of its
capital stock; (b) incurred any obligation or liability (absolute or
contingent), other than current liabilities incurred, and obligations under
contracts entered into, in the ordinary course of business; (c) discharged or
satisfied any lien or encumbrance or paid any obligation or liability (absolute
or contingent), other than liabilities shown in the Latest Financial Statements
or current liabilities incurred in the ordinary course of business; (d)
mortgaged, pledged or subjected to lien, charge or other encumbrance any asset,
tangible or intangible, other than the lien of current or real property taxes
not yet due and payable; (e) waived any rights of substantial value, whether or
not in the ordinary course of business; (f) suffered any damage, destruction or
loss, whether or not covered by insurance, materially adversely affecting its
assets or the Business; (g) made or suffered any amendment or termination of any
material contract or any agreement which materially adversely affects the
Business; (h) received notice or had knowledge of any labor trouble other than
routine grievance matters, none of which is material; (i) increased the salaries
or other compensation of any of its directors, officers or employees or made any
material increase in other benefits to which such directors, officers or
employees may be entitled; (j) sold, assigned, transferred or otherwise disposed
of any of its assets or cancelled any debts or claims, other than in the
ordinary course of business; (k) declared or made any distribution or payments
to any of its shareholders, officers or employees, other than wages, salaries
and employee benefits paid or made available to employees in the ordinary course
of business; (l) made any declaration setting aside the payment of any dividend
or any distribution in respect of its capital stock or any redemption, purchase
or other acquisition of any capital stock of the Seller; (m) modified its
articles of incorporation or bylaws; (n) revalued any of its assets; or (o)
entered into any transactions not in the ordinary course of business.

         3.11     No Breaches, etc. The Seller is not in violation or breach of
any of the terms or conditions of the Seller's articles of incorporation or
bylaws or other organizational documents or of any mortgage, bond, indenture,
agreement, contract, license or other instrument or obligation to which the
Seller is a party or by which its assets are bound nor is the Seller in
violation of any statute, regulation, judgment, writ, injunction or decree of
any court, threatened (to the knowledge of Seller) or entered in a proceeding or
action in which the Seller is, was or may be bound or to which any of its assets
are subject. The execution, delivery and performance of this agreement and the
consummation of the transactions contemplated hereby will not result in any
breach or acceleration of, any of the terms or conditions of the Seller's
articles of incorporation or bylaws or other organizational documents or of any
mortgage, bond, indenture, agreement, contract, license or other instrument or
obligation to which the Seller is a party or by which its assets are bound, nor
will they result in any violation of any statute,

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regulation, judgment, writ, injunction or decree of any court, threatened (to
the knowledge of Seller) or entered in a proceeding or action in which any of
its assets are subject, which breaches or violations, individually or in the
aggregate, could reasonably be expected to have a material adverse effect on the
Seller.

         3.12     Changes in Suppliers and Customers. Seller is not aware of any
fact which indicates that any of the suppliers supplying products, components or
materials to the Seller intends to cease selling such products to the Seller or
to limit or reduce such sales of products to the Seller nor is Seller aware of
any fact which indicates that any of the major customers of the Seller intends
to terminate, limit or reduce the Business relations with the Seller.

         3.13     No Liens or Encumbrances. The Seller has good and marketable
title to all of the property and assets, tangible and intangible, employed in
the operation of the Business, free of any mortgages, liens, claims, charges,
leases, security interests, pledges, easements, encumbrances and title retention
agreements of any kind whatsoever except such property and assets as may be
leased by the Seller pursuant to leases described on schedules 1 or 1A delivered
pursuant to section 3.4, and other than such encumbrances as are specifically
set forth on exhibit B.

         3.14     Employees. There is not pending or, to the knowledge of
Seller, threatened any labor dispute, strike or work stoppage against the Seller
which may interfere with the continued operation of the business activities of
the Seller. Neither the Seller nor any representative or employee of the Seller
has committed any unfair labor practices in connection with the operation of the
Seller's business, and there is not pending or threatened any charge or
complaint against the Seller by the National Labor Relations Board or any
comparable state agency. The Seller is not, and will not become, liable for any
retroactive workers' compensation insurance premiums or retroactive unemployment
compensation experience ratings or charges in connection with the operation of
its business relating to the period of time prior to the date of this agreement.

         3.15     Obligations and Liabilities. The Seller is not subject to any
indebtedness, claim, obligation, responsibility or liability of any kind or
nature whatsoever, absolute or contingent, known or unknown, choate or inchoate,
liquidated or unliquidated, secured or unsecured, or otherwise, except
obligations and liabilities specifically disclosed on exhibit C or expressly
undertaken in any of the agreements listed on the schedules referred to in
section 3.4 or incurred in the ordinary course of the Business since the date of
the Latest Financial Statements.

         3.16     Intangible Property Rights.

                  (a)      The Seller owns or exclusively holds all rights to,
         free and clear of all liens, claims and restrictions, all Intellectual
         Property Rights used in the conduct of the Seller's business as now
         conducted. The Seller does not, to the knowledge of Seller, after due
         inquiry and the exercise of reasonable diligence, infringe upon the
         right or claimed right of any person under or with respect to any

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         of the above. The Seller is not obligated or under any liability
         whatsoever to make any payments by way of royalties, fees or otherwise
         to any owner of, licensor of, or other claimant to any patent used in
         the conduct of the Business, nor is the Seller presently under any
         license or contract obligation to pay royalties or fees with respect to
         third-party trademarks, copyrights or other Intellectual Property
         Rights in connection with the conduct of the Seller's Business.

                  (b)      Seller has no knowledge of, nor has Seller received
         any notice of, any facts which indicate that the Seller does not either
         (i) own or (ii) have the unrestricted right to the use of all
         Intellectual Property Rights necessary to the development, operation
         and sale of all products and services sold by it, including trade
         secrets, free and clear of any rights, liens and claims of others. To
         the knowledge of Seller, the Seller is not using any confidential
         information or trade secrets of any former employer or any of its past
         or present employees.

                  (c)      The Seller has taken reasonable security measures to
         protect the secrecy, confidentiality, and value of the trade secrets
         referred to in paragraph (b) of this section 3.16.

                  (d)      For the purposes of this agreement "Intellectual
         Property Rights" means all (i) rights in patents and patentable subject
         matter, whether or not the subject of an application, (ii) rights in
         trademarks, service marks, names, trade names, trade dress, logos,
         slogans, symbols and other designators of origin, registered or
         unregistered, (iii) rights in copyrightable subject matter including
         without limitation computer programs (including without limitation
         source code, object code, on-line files, testing materials,
         development, debugging and quality assurance tools, testing suites,
         reports, etc.) ("collectively, "Software"), data bases, website
         content, manuals and all forms of associated documentation therefor and
         protectable designs, registered or unregistered, (iv) trade secrets and
         other proprietary non-public information, (v) rights in Internet domain
         names, uniform resource locators and e-mail addresses, (vi) rights in
         semiconductor topographies (mask works), registered or unregistered,
         (vii) know-how, (viii) all rights in technical data, proprietary
         processes, drawings, work-in-progress, research and development, (ix)
         all applications for any of the foregoing, registrations thereof and
         all renewals or extensions of such application and registrations, and
         (x) all other intellectual and industrial property rights of every kind
         and nature and however designated, whether arising by operation of
         governmental regulation, Contract, license or otherwise, and the right
         to prosecute past infringements of any such rights.

         3.17     Disclosure. There has been and will be no material change in
the information set forth in the schedules or exhibits to this agreement between
the date of such schedule or exhibit and the date of this agreement or the
Closing Date. Seller has not knowingly withheld from Purchaser any material
facts relating to the Assets, the Business, financial condition or prospects of
the Seller. No representation or warranty in this agreement or in any letter,
certificate, schedule, statement or other document furnished or to be furnished
pursuant hereto or in connection with the transactions

                                       12

<PAGE>

contemplated hereby contains or will contain any untrue statement of a material
fact or omits or will omit to state any material fact required to be stated
herein or therein or necessary to make the statements herein or therein not
misleading. Without limiting the scope of the foregoing, Seller is not aware of
any change, event or occurrence that has taken place or is pending that has, or
in the future could have, a material adverse effect on the value or ownership of
the Assets or the Business, or the ability of the Seller to operate the Business
subsequent to the Closing Date in the manner in which it has been operated by
the Seller before the Closing Date, or which could materially increase the costs
incurred by the Purchaser in operating the Business subsequent to the Closing
Date, including any pending or present change in any law, regulation, ordinance
or other requirement, including the obtaining or maintenance of permits,
licenses or approvals.

         3.18     No Brokers or Finders. No person, firm or corporation has or
will have, as a result of any act or omission of Seller, any right, interest or
valid claim against Purchaser for any commission, fee or other compensation as a
finder or broker in connection with the transactions contemplated by this
agreement.

         3.19     Real Estate. The Seller owns no real property. All of the
buildings, improvements and structures listed on schedule 1 are in good
operating condition and repair and suitable for the purposes for which they are
being used. Each has adequate rights of ingress and egress for the operation of
the Business as it is currently being conducted by the Seller. No such building,
structure or improvement, or any appurtenance thereto or equipment therein, or
the operation or maintenance thereof, to the knowledge of Seller, violates any
restrictive covenant or any provision of any federal, state or local law,
ordinance or zoning, fire, safety, pollution or health regulations, or
encroaches on any property owned by others. To the knowledge of Seller, no
condemnation proceeding is pending or threatened with respect to any real
property, building, improvement or structure listed on schedule 1. To the
knowledge of Seller, no change is pending or threatened in any provision of any
federal, state or local law, ordinance or zoning or other regulation which might
materially interfere with the present or proposed use of any building,
improvement or structure listed on schedule 1.

         3.20     Affiliate Transactions Other than pursuant to this agreement,
no officer, director, shareholder or employee of the Seller or any member of the
immediate family of any such officer, director, shareholder or employee, or any
entity in which any of such persons owns any beneficial interest (other than any
publicly-held corporation whose stock is traded on a national securities
exchange or in the over-the-counter market and less than one percent of the
stock of which is beneficially owned by any of such persons) (collectively
"insiders"), has any agreement with the Seller, including agreements involving
indebtedness of insiders to the Seller (other than normal employment
arrangements) or any interest in any property, real, personal or mixed,
intellectual, tangible, used in or pertaining to the Business of the Seller
(other than ownership of capital stock of the Seller). None of the insiders has
any direct or indirect interest in any competitor, supplier or customer of the
Seller, in any person, firm

                                       13

<PAGE>

or entity from whom or to whom the Seller leases any property, or in any other
person, firm or entity with whom the Seller transacts business of any nature
(other than interests of less than 1% of any publicly-held corporation).

         3.21     ERISA. With respect to each of the Seller's employee benefit
plans that is listed on schedule 4 to this agreement and that is qualified for
federal income tax exemption under sections 401(a) or 501(a) of the Internal
Revenue Code (the "Code"), the Seller (a) has not engaged in any transaction
that would subject it to a tax, penalty or liability for prohibited transactions
imposed by the Employee Retirement Income Security Act ("ERISA"), or section
4975 of the Code in an amount which would be material to the financial condition
of the Seller; (b) complied with all material reporting, disclosure and other
requirements of ERISA and the Code as they related to such plan; (c) does not
have an accumulated funding deficiency (as defined in section 302 of ERISA or
section 412 of the Code), whether or not waived; and (d) has made all required
contributions under each such plan for all periods through and including the
period ending prior to the date of this agreement. No material liability to the
Pension Benefit Guaranty Corporation has been or is expected to be incurred with
respect to any of such plans.

         3.22     Execution, Delivery, Valid and Binding Agreements. The
execution, delivery and performance of this agreement and the other agreements
to which Seller is a party and the consummation of the transactions contemplated
hereby and thereby have been duly and validly authorized by all requisite
corporate action and no other corporate action or proceedings are necessary to
authorize the execution, delivery and performance of this agreement and such
other agreements by such trusts. This agreement has been duly executed and
delivered by Seller and constitutes the valid and binding obligation of the
Seller, enforceable in accordance with its terms, except as performance may be
limited by any applicable bankruptcy, insolvency, reorganization or other
similar laws affecting creditor's rights generally and except as enforcement may
be limited by general principles of equity.

         3.23     Representations and Warranties. The representations and
warranties contained in sections 3.1 through 3.22 of this agreement shall be
true on and as of the Closing Date with the same force and effect as though such
representations and warranties had been made on and as of the Closing Date. Such
representations and warranties have been made by Seller with the knowledge and
expectation that the Purchaser is relying thereon, and such representations and
warranties shall survive the closing and, subject to the provisions of section
7.2, shall remain operative in full force and effect indefinitely regardless of
any investigation at any time made by or on behalf of Purchaser and shall not be
deemed merged in any document or instruction so executed and/or delivered by
Seller.

                                   ARTICLE IV.
                               COVENANTS OF SELLER

         4.1      Conduct of Business. From the date hereof through the Closing
Date, unless and until Purchaser otherwise consents in writing, Seller will
conduct the Business diligently in substantially the same manner as heretofore
conducted, and use

                                       14

<PAGE>

its best efforts to preserve the Business and to preserve for Purchaser its
relationships with suppliers, customers, distributors and others having business
relations with it.

         4.2      Negative Covenants. From the date hereof through the Closing
Date, unless and until Purchaser otherwise consents in writing, Seller will not
(a) incur any obligations or liabilities (absolute or contingent) other than
current liabilities incurred and obligations under contracts entered into in the
ordinary course of business; (b) mortgage, pledge or voluntarily subject to
lien, charge or other encumbrance any assets, tangible or intangible, other than
the lien of current property taxes not due and payable; (c) sell, assign or
transfer any of its assets or cancel any debts or claims, other than in the
ordinary course of business; (d) waive any right of any substantial value; (d)
amend its articles of incorporation or bylaws, except to change its name in
accordance with section 4.10 of this agreement; or (e) enter into any
transactions or series of transactions other than in the ordinary course of
business.

         4.3      Access to Information. From the date of this agreement through
the Closing Date, Seller shall grant Purchaser and its authorized
representatives full access to the properties, books and records, premises,
employees, distributors, customers and auditors of the Seller during reasonable
business hours for purposes of enabling Purchaser to fully investigate the
business of the Seller. Any information obtained by Purchaser in connection with
such review shall be maintained by Purchaser on a confidential basis and shall
not be disclosed to any other person in the event that the transactions
contemplated by this agreement are not consummated.

         4.4      Risk of Loss. The risk of loss shall remain with Seller until
the Closing Date, and Seller will continue in force any and all fire, casualty,
theft or other insurance policies relating to the business and assets of the
Seller.

         4.5      Updating of Schedules. Between the date of this agreement and
the Closing Date, Seller shall deliver to Purchaser updated schedules to reflect
any material changes in the schedules delivered to Purchaser pursuant to section
3.4 of this agreement. On the Closing Date, Seller shall deliver to Purchaser an
officer's certificate confirming the accuracy, as of the Closing Date, of each
of the schedules delivered to Purchaser pursuant to this agreement; provided,
however, that Purchaser shall not be obligated to proceed with the closing of
the transactions contemplated by this agreement if there are material changes in
the schedules initially delivered to Purchaser.

         4.6      Other Business Information. For a period of one (1) year
following the Closing Date Seller shall, at Purchaser's expense, make available
to Purchaser such other information relating to the past business operations of
the Seller as Purchaser may reasonably request.

         4.7      Noncompetition Covenants. During the period commencing on the
Closing Date and extending through the third anniversary of the Closing Date,
Seller will not directly or indirectly engage in any business activities, in
North America that relate to the development, manufacture, distribution, selling
or marketing of any products or

                                       15

<PAGE>

services that are similar to or competitive with the products or services
currently being marketed by the Seller or Purchaser. Seller acknowledges and
understands that this noncompetition covenant is intended to and shall apply to
Benton Consulting Partners as well as Benton and MacAllister, each of whom owns
50% of the outstanding shares of Seller. Seller understands that Purchaser would
not have agreed to purchase the Assets, nor would it have made the commitments
contained in this agreement, without having received this noncompetition
covenant from Seller, Benton and MacAllister, and Seller acknowledges that it
has entered into this noncompetition covenant and that it shall cause each of
Benton and MacAllister to enter into this noncompetition covenant as a material
inducement to Purchaser to consummate such transactions.

         4.8      Consents. Seller shall obtain, prior to the Closing Date, all
consents, waivers or releases to the transactions contemplated by this agreement
that may be required under any of the agreements of the Seller to effectively
continue the business and operation of the Seller or following the closing and
to enable Purchaser to realize the full economical benefit of the transaction
contemplated by this agreement. Without limiting the generality of the
foregoing, Seller shall obtain from the landlord of Seller's office facilities
in Rolling Hills Estates, California, a consent, estoppel and non-disturbance
agreement in from satisfactory to Purchaser with respect to the lease between
the Seller and the landlord and the premises covered thereunder. On the Closing
Date, Purchaser shall reimburse Seller for the deposit in the amount of $2,204,
which Seller has deposited with the landlord of such office facilities.

         4.9      Seller to Pay Taxes. In addition to any other provision of
this agreement regarding taxes, any liability for Taxes of the Seller or its
shareholders relating to the transactions with the Purchaser, any actual or
deemed distribution to Seller or its shareholders, the transactions contemplated
by this agreement, or the ancillary agreements for any period ending on or prior
to the Closing Date or any transaction consummated or accruing with respect to
matters occurring on or prior to the Closing Date including any items described
or referred to on exhibit B which involve or relate to Taxes) shall be the
responsibility of and paid for by the Seller or its shareholders and Seller
shall indemnify and hold the Purchaser harmless from such liability.

         4.10     Name Change. Immediately following the Closing Date, Seller
shall change its name to a name which is approved by Purchaser. Purchaser hereby
approves of the name "JackMac, Inc."

                                   ARTICLE V.
             REPRESENTATIONS, WARRANTIES AND COVENANTS OF PURCHASER

         As a material inducement to Seller to enter into this agreement and to
consummate the purchase and sale contemplated hereunder, Purchaser hereby
represents, warrants and covenants as follows:

         5.1      Organization and Standing. Purchaser is a corporation duly
organized, validly existing and in good standing under the laws of Delaware, and
has all requisite

                                       16

<PAGE>

corporate power and authority to enter into this agreement and to consummate the
transactions contemplated by this agreement.

         5.2      Corporate Authorization. The execution, delivery and
performance of this agreement by Purchaser have been duly authorized by proper
corporate action of Purchaser and are within its corporate powers. This
agreement constitutes the legal, valid and binding obligation of Purchaser and
is enforceable against Purchaser in accordance with its terms.

         5.3      No Brokers or Finders. No person, firm or corporation has or
will have, as a result of any act or omission of Purchaser, any right, interest
or valid claim against Seller for any commission, fee by other compensation as a
finder or broker in connection with the transactions contemplated by this
agreement.

         5.4      Seller Name. If during the period ending on the fifth
anniversary of the Closing Date, Purchaser elects to cease its commercial
consulting business, the Seller or its shareholders shall be given the right to
purchase the name "Benton Consulting Partners" for an amount equal to the state
and federal registration and transfer fees and Purchaser's attorney fees
associated with transferring such name from Purchaser to Seller or its
shareholders.

                                   ARTICLE VI.
                                     CLOSING

         6.1      General Procedure. At the closing each party shall deliver to
the other party such documents, instruments and materials as may be reasonably
required in order to effectuate the intent and provisions of this agreement, and
all such documents, instruments and materials shall be satisfactory in form and
substance to counsel for the other parties.

         6.2      Time and Place. The closing (the "Closing") shall take place
in the offices of Purchaser at 10:00 o'clock, a.m. Mountain Standard Time on
January 30, 2004 or at such other time and place as shall be mutually acceptable
to Purchaser and Seller (the "Closing Date").

         6.3      Conditions to Obligation of Purchaser. The obligation of
Purchaser to complete the purchase of the Assets on the Closing Date in
accordance with the terms set forth in this agreement is, at the option of the
Purchaser, subject to the satisfaction (or waiver by Purchaser) of each of the
following conditions:

                  (a)      Accuracy of Representations and Warranties. The
         representations and warranties made by Seller in this agreement shall
         be correct in all material respects on and as of the Closing Date with
         the same force and effect as though such representations and warranties
         had been made on the Closing Date.

                  (b)      Compliance with Covenants. All covenants which Seller
         is required to perform or comply with on or before the Closing Date
         shall have been fully complied with or performed in all material
         respects.

                                       17

<PAGE>

                  (c)      Approval of Actions, Etc. All actions, proceedings,
         instruments and documents required to carry out this agreement by
         Seller, or incidental thereto, and all other related legal matters
         shall have been obtained and approved by counsel for Purchaser.

                  (d)      Employment. Each of Benton and MacAllister shall have
         become employees of the Purchaser acting as dedicated consultants on a
         full-time basis.

                  (e)      Non-Competition Agreement. Each of the Seller, Benton
         and MacAllister, shall have entered into non-competition agreement, in
         form and substance acceptable to Purchaser, pursuant to which they
         shall agree to comply with certain non-competition covenants for a
         period of three (3) years after the Closing Date.

                  (f)      No Litigation. No action, suit or proceeding before
         any court or governmental body or authority, pertaining to the
         transaction contemplated by this agreement or having a material adverse
         impact on the Seller, shall have been instituted or threatened on or
         before the Closing Date.

                  (g)      Loss or Damage. No loss, casualty or other occurrence
         shall have taken place, whether or not covered by insurance, which has
         or could have a material adverse impact on the Seller, its assets or
         business.

                  (h)      Delivery of Closing Documents. Seller shall have
         delivered to Purchaser each of the closing items listed in section
         6.5(b), and such items shall be satisfactory in form to Purchaser.

                  (i)      Due Diligence. Purchaser shall have completed its due
         diligence investigation of Seller and the results of such investigation
         shall have been satisfactory to Purchaser, in its sole and absolute
         discretion.

         6.4      Conditions to Obligation of Seller. The obligation of Seller
hereunder to complete the sale of the Shares on the Closing Date on the terms
set forth in this agreement is, at the option of the Seller, subject to the
satisfaction (or waiver by the Seller) of each of the following conditions:

                  (a)      Accuracy of Representations and Warranties. The
         representations and warranties made by Purchaser in this agreement
         shall be correct in all material respects on and as of the Closing Date
         with the same force and effect as though such representations and
         warranties had been made on the Closing Date.

                  (b)      Employment. The Purchaser shall have employed Benton
         and MacAllister as its dedicated consultants.

                  (c)      Delivery of Closing Documents. Purchaser shall have
         delivered to Seller each of the closing items listed in section 6.5(a),
         and such items shall be satisfactory in form to Seller.

                                       18

<PAGE>

         6.5      Specific Items to be Delivered at the Closing. Without
limiting the scope of section 6.1 of this agreement, the parties shall deliver
the following items to the appropriate party at the closing of the transactions
contemplated by this agreement:

                  (a)      To be delivered by Purchaser:

                           (i)      Check or wire transfer in the aggregate
                  amount of $775,000, payable to Seller;

                           (ii)     Employment referred to in section 6.3(d);

                           (iii)    Non-competition agreement referred to in
                  sections 4.7 and 6.3(e).

                  (b)      To be delivered by Seller:

                           (i)      bills of sale and assignments and such other
                  instruments of conveyance, transfer, assignment and delivery
                  as Purchaser shall have reasonably requested with respect to
                  the Assets;

                           (ii)     the consents and other documents referred to
                  in section 4.8 hereof;

                           (iii)    certificates of an officer of Seller
                  satisfactory to Purchaser, dated the Closing Date, stating
                  that the conditions precedent set forth in subsections 6.3(a),
                  (b) and (c) above have been satisfied;

                           (iv)     a copy of the text of the resolutions
                  adopted by the board of directors and shareholders, of Seller
                  authorizing the consummation of the transactions contemplated
                  hereby; along with a certificate executed on behalf of Seller
                  by its corporate secretary certifying to Purchaser that such
                  copy is a true, correct and complete copy of such resolutions,
                  and that such resolutions were duly adopted and have not been
                  amended or rescinded;

                           (v)      incumbency certificates executed on behalf
                  of Seller by its corporate secretary certifying the signature
                  and office of each officer executing this agreement or any of
                  the Related Agreements;

                           (vi)     releases of all liens on the Assets;

                           (vii)    such other certificates, documents and
                  instruments as Purchaser reasonably requests related to the
                  transactions contemplated hereby;

                           (viii)   Affidavit of Seller confirming the accuracy,
                  as of the Closing Date, of the representations and warranties
                  set forth in article III;

                                       19

<PAGE>

                                  ARTICLE VII.
                                 INDEMNIFICATION

         7.1      General. The covenants, representations and warranties
contained in this agreement shall survive the closing. Subject to the
limitations set forth in section 7.2, Seller, Benton, and MacAllister, jointly
and severally, agree to indemnify Purchaser with respect to, and defend and hold
Purchaser harmless from, any out-of-pocket loss, liability or expense
(including, but not limited to, reasonable legal fees) which Purchaser may
directly or indirectly incur or suffer by reason of, or which results, arises
out of or is based upon (a) the inaccuracy of any representation or warranty
made by Seller in this agreement, (b) the failure of Seller to comply with any
of its covenants under this agreement or (c) the operation of the Business prior
to the Closing Date. Purchaser agrees to indemnify Seller with respect to, and
defend and hold Seller harmless from, any out-of-pocket loss, liability or
expense (including, but not limited to, reasonable legal fees) which Seller may
directly or indirectly incur or suffer by reason of, or which results, arises
out of, or is based upon failure by Purchaser to meet its obligations with
respect to Seller's liabilities assumed under section 1.3 and the operation of
the Business on or after the Closing Date.

         7.2      Conditions of Indemnification. It is agreed and understood
between Purchaser and Seller that Seller's obligation under this article VII to
indemnify and hold Purchaser harmless from any loss, cost, liability or expense
described in section 7.1 shall only become operative after, and to the extent
that, the total amount of all claims for indemnification hereunder exceeds
Twenty Five Thousand Dollars ($25,000), except that claims resulting from the
breach of any of the covenants of Seller or the inaccuracy of the
representations contained in sections 3.6, 3.9, 3.16 or 3.18 shall not be
subject to such limitations. In addition, except with respect to (i)
indemnification claims arising from fraudulent actions or statements of Seller,
(ii) claims based upon the inaccuracy of the representations or warranties set
forth in sections 3.6, 3.9, 3.16 or 3.18 and (iii) claims which are made by
Purchaser prior to Twenty Four (24) months after the Closing Date, but which are
not resolved by that date, Seller's indemnification obligations shall terminate
Twenty Four (24) months from the Closing Date.

         7.3      Indemnification Claims; Right of Offset. In the event that
Purchaser has a claim for indemnification against Seller pursuant to this
article VII, Purchaser shall be entitled to offset the amount of such claim
against amounts which may become due and payable to Seller, including amounts
payable pursuant to sections 2.1(b), 2.2(b), 2.2(c), or 2.2(d). If Seller
disputes the validity of any indemnification claim being made by Purchaser, both
Seller and Purchaser agree to use reasonable commercial efforts in good faith to
resolve such disputed claim as expeditiously as possible. The offset right
granted Purchaser by this section 7.3 is in addition to Purchaser's right to
seek indemnification directly from Seller and shall not be deemed to limit
Purchaser's indemnification rights in any respect.

                                       20

<PAGE>

         7.4      Indemnification Claims - Interest. Indemnification claims will
not bear interest.

         7.5      Legal Proceedings. In the event any party entitled to
indemnification under this article VII (the "Indemnified Party") becomes
involved in any legal, governmental or administrative proceeding which may
result in damage to the Indemnified Party, or if any such proceeding is
threatened or asserted, the Indemnified Party shall promptly notify the party or
parties obligated to indemnify the Indemnified Party under this article VII
(collectively the "Indemnifying Parties") in writing and in full detail of the
filing, or the threat or assertion of such a filing, and of the nature of any
such proceeding. The Indemnifying Parties may, at the option and expense of the
Indemnifying Parties, defend any such proceeding if the amount involved in the
proceeding could give rise to an indemnification obligation hereunder. If
Indemnifying Parties elect to defend any proceeding, the Indemnifying Parties
shall have full control over the conduct of such proceeding, although the
Indemnified Party shall have the right to retain legal counsel at its own
expense.

                                  ARTICLE VIII.
                                   TERMINATION

         This agreement may be terminated by either party upon written notice to
the other party if the transactions contemplated by this agreement are not
closed by March 31, 2004, other than for reasons attributable to the actions or
inactions of the terminating party. Any such termination shall be with prejudice
to any claim which either party may have against the other for any
misrepresentation or breach of warranty or covenant set forth in this agreement
arising prior to such termination.

                                   ARTICLE IX.
                                  MISCELLANEOUS

         9.1      Binding Effect. This agreement shall be binding upon and inure
to the benefit of and be enforceable against the parties hereto and their
respective successors.

         9.2      Governing Law. This shall in all respects be governed by, and
enforced and interpreted in accordance with, the laws of the State of Delaware.

         9.3      Notices. All notices, consents, requests, instructions or
other communications provided for herein shall be in writing and shall be deemed
validly given, made and served when (a) delivered personally, (b) sent by
certified or registered mail, postage prepaid, (c) sent by reputable overnight
delivery service, or (d) sent by telephonic facsimile transmission and, pending
the designation of another address, addressed as follows:

                                       21

<PAGE>

               If to Seller, Benton or
               MacAlliser:                   JackMac, Inc.
                                             655 Deep Valley Drive, Suite 120
                                             Rolling Hills Estates, CA 90274
                                             Attention: President
                                             Telecopy: (310) 265-1635

               with a copy to:               Kopple & Klinger, LLP
                                             10866 Wilshire Blvd., Ste. 1500
                                             Los Angeles, CA  90024-4357
                                             Attention: Leslie S. Klinger, Esq.
                                             Telecopy: (310) 475-2459

               If to Purchaser:              eFunds Corporation
                                             Gainey Center II, Ste. 300
                                             8501 North Scottsdale Rd.
                                             Scottsdale, AZ  85253
                                             Attention: General Counsel
                                             Telecopy: (480) 629-7661

               with an additional copy to:   Dorsey & Whitney LLP
                                             50 South 6th Street
                                             Suite 1500
                                             Minneapolis, MN  55402
                                             Telecopy: (612) 340-7800
                                             Attention: Robert A. Rosenbaum

         9.4      Entire Agreement and Counterparts. This agreement, the
exhibits attached hereto, any schedules delivered pursuant to the provisions
hereof and the employment agreements referred to in this agreement, set forth
the entire agreement between Seller and Purchaser relating to the Assets under
the transaction contemplated hereby, superseding in all respects any and all
prior oral or written agreements or understandings between them pertaining to
the transactions contemplated by this agreement. This agreement shall be amended
or modified only by written instrument signed by Seller and Purchaser. This
agreement may be executed in counterparts, each of which shall be deemed an
original and all of which, taken together, shall constitute one agreement.

         9.5      Headings. Section and article headings used in this agreement
have no legal significance and are used solely for convenience of reference.

         9.6      Assignment. Seller hereby agrees that Purchaser may assign its
rights, and delegate its responsibilities, under this agreement to a
wholly-owned subsidiary corporation; provided, however, that Purchaser shall
remain obligated to cause such subsidiary corporation to complete the purchase
of the Assets in the manner contemplated by this agreement.

                                       22

<PAGE>

         9.7      Expenses, Taxes. Except to the extent otherwise provided in
this agreement, each party shall pay for its own legal, accounting and other
similar expenses incurred in connection with the transactions contemplated by
this agreement. All legal, accounting or other similar expenses incurred by the
Seller for the purpose of facilitating this transaction, or precipitated by
Seller's intention to sell the Assets shall be regarded as expenses of Seller.

         9.8      Publicity. Except as required by law, all notices to third
parties and other publicity relating to the matters contemplated by this
agreement shall be jointly planned and coordinated between Seller and Purchaser,
and neither party shall unilaterally release such notices or publicity without
the prior, written approval of the other parties. Each party agrees to cooperate
with the other party as appropriate to comply with all applicable laws.

         9.9      Severability. Each and every provision of this agreement shall
be deemed valid, legal and enforceable in all jurisdictions to the fullest
extent possible. Any provision of this agreement that is determined to be
invalid, illegal or unenforceable in any jurisdiction shall, as to that
jurisdiction, be adjusted and reformed rather than voided, if possible, in order
to achieve the intent of the parties. Any provision of this agreement that is
determined to be invalid, illegal or unenforceable in any jurisdiction which
cannot be adjusted and reformed shall for the purposes of that jurisdiction, be
voided. Any adjustment, reformation or voidance of any provision of this
agreement shall only be effective in the jurisdiction requiring such adjustment
or voidance, without affecting in any way the remaining provisions of this
agreement in such jurisdiction or adjusting, reforming, voiding or rendering
that provision or any other provision of this agreement invalid, illegal or
unenforceable in any other jurisdiction.

         9.10     Knowledge of Seller. For the purposes of this agreement the
phrase "to the knowledge of Seller" shall mean Seller's actual knowledge or the
knowledge that Seller should have known after due inquiry and the exercise of
reasonable diligence.

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<PAGE>

         IN WITNESS WHEREOF, Seller and Purchaser have executed this agreement
as of the date set forth in the first paragraph.

                                         EFUNDS CORPORATION

                                         By /s/  Tommy L. Andrews

                                         Its  SVP Corporate Development

                                         By ____________________________________

                                            Its_________________________________
                                                                      Purchaser

                                         BENTON CONSULTING PARTNERS

                                         By /s/ John B. Benton

                                         Its____________________________________

                                         Seller

                                                      /s/ Thomas S. Liston

                                       24

<PAGE>

                                JOINDER AGREEMENT

         As a material inducement for Purchaser to enter into and consummate the
transactions contemplated by the above and foregoing Asset Purchase Agreement
(the "Agreement"), and for good and valuable consideration, the receipt and
adequacy of which are hereby acknowledged by the undersigned, each of the
undersigned hereby agrees to, joins in, is bound by and shall comply with the
following provisions of the above and foregoing Agreement: Section 4.7, Article
VII and Article IX of the Agreement.

         IN WITNESS WHEREOF, each of the undersigned has executed this Joinder
Agreement as of January 30, 2004.

                                         /s/ John B. Benton
                                         ---------------------------------------
                                         John B. Benton

                                         /s/ John A. MacAllister
                                         ---------------------------------------
                                         John A. MacAllister

                                       25

<PAGE>

                                LIST OF SCHEDULES

Schedule 1, Real Property Leases (Section 3.4)

Schedule 1A, Personal Property Leases (Section 3.4)

Schedule 2, Intellectual Property Rights (Section 3.4)

Schedule 3, Certain Contracts (Section 3.4)

Schedule 4, Permits (Section 3.4)

Schedule 5, List of Third Party Personal Property (Section 3.4)

Schedule 6, Excluded Permits, Agreements and Items

                                LIST OF EXHIBITS

Exhibit "A", the Cash Contingent Earn out (Section 2.1(b))

Exhibit "B", Disclosure Schedule (Article III)

Exhibit "C", Financial Statements (Section 3.4)

Exhibit "Form 8594", Allocation (Section 2.1(c))

                                       26