<PAGE>   1

                                                                    EXHIBIT 10.1


                                            CONFIDENTIAL TREATMENT REQUESTED AND
                                 CONFIDENTIAL PORTIONS FILED SEPARATELY WITH SEC

                   SOURCE CODE LICENSE AND MARKETING AGREEMENT

     THIS SOURCE CODE LICENSE AND MARKETING AGREEMENT (this "Agreement"), is
entered into as of March 31, 1998, by and between Phoenix International, Inc.
("Phoenix") and Computer Systems Associates (Nigeria) Limited ("CSA").

     Phoenix has developed certain software applications for banks, which CSA
wishes to license, modify, distribute, implement and support on the continent of
Africa under CSA's brand name and trademarks, pursuant to the terms and
conditions of this Agreement. Phoenix and CSA, intending to be legally bound,
agree as follows:

1   DEFINITIONS.

1.1  "Changes" means any and all corrections, updates, upgrades, additions and
modifications to any of the Licensed Products, including, but not limited to,
translations into foreign languages used in the Territory, modifications for use
in countries included in the Territory, and any other new or additional works
based in whole or in part on any of the Licensed Products.

1.2  "Customer" means an Eligible Prospect that has executed a License Agreement
with CSA for use of the Software pursuant to the terms of this Agreement.

1.3  "Documentation" means the current English version of the operating
documentation relating to the Software as provided to CSA by Phoenix.

1.4  "Eligible Prospect" means a bank organized and doing business in the
Territory.

1.5  "License Agreement" means the form of license agreement to be used between
CSA and Eligible Prospects. License Agreements shall contain terms and
conditions for protection of Phoenix's intellectual property acceptable to
Phoenix, but shall not refer to Phoenix unless expressly approved by Phoenix.
CSA shall provide a copy of the License Agreement which it proposes to use to
Phoenix for its review and approval prior to use, and shall do the same with any
material changes in the License Agreement thereafter.

1.6  "Licensed Products" means the Software, Source Code, Documentation and
Source Code Documentation.

1.7  "Software" means the object code for the software listed in Exhibit A
attached hereto, along with all Changes either produced by or for CSA, or
provided to CSA by Phoenix. The Software shall include all object code produced
by CSA from the compilation of the Source Code and all Changes thereto.

1.8  "Source Code" means the source code version of the Software, along with all
Changes either produced by or for CSA or provided to CSA by Phoenix.

1.9  "Source Code Documentation" means the development level documentation for
the Source Code as provided to CSA by Phoenix.

1.10 "Territory" means all countries on the continent of Africa, but does not
include Egypt or any country in the Middle East, and Eskom Finance Company in
South Africa shall be excluded from the Territory.

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                                          XXX - CONFIDENTIAL TREATMENT REQUESTED
                                                 AND CONFIDENTIAL PORTIONS FILED
                                                  SEPARATELY WITH THE COMMISSION


2    PRIOR MARKETING AGREEMENT

The Remarketing Agreement and Support Authorization (the "Remarketing
Agreement") dated as of April 22, 1996 between Phoenix and CSA shall continue in
effect, but shall apply only to (i) Customers who have signed License Agreements
pursuant to the Remarketing Agreement prior to the date of this Agreement and
(ii) Customers identified by CSA who, prior to March 31, 1999, choose in their
sole discretion to enter into License Agreements for the Phoenix brand version
of the Software, as opposed to the CSA private label version of the Software
authorized hereunder. For all other and additional Customers, this Agreement
shall control. Notwithstanding the foregoing, CSA may convert current Customers
originating from CSA's marketing efforts to CSA's private labeled software
hereunder if (i) each Customer executes a new license agreement with CSA for the
CSA version of the Software, (ii) CSA accepts responsibility for all Customer
and Software Support for each such Customer, and (iii) CSA continues to pay
Phoenix its share of the license and support fees as required under the terms of
the Remarketing Agreement.

3    SOURCE CODE LICENSE.

3.1  Phoenix shall deliver to CSA upon execution of this Agreement one copy of
the Source Code and Source Code Documentation. Phoenix hereby grants to CSA, and
CSA accepts, subject to the terms and conditions of this Agreement, a perpetual
right and license to:

 (a) Further develop and make Changes to the Licensed Products;

 (b) Compile the Source Code into object code;

 (c) Demonstrate and promote the Software and Documentation to Eligible
 Prospects under its own trademarks and trade names;

 (d) Sublicense the Software and Documentation to Eligible Prospects pursuant to
 License Agreements under its own trademarks and trade names; and

 (e) Provide implementation, training and support services to Customers for the
 Software.

3.2  CSA shall perform all marketing of the Software and Documentation, all
licensing and sublicensing of the Software and Documentation, and perform all
services related to the Software under CSA's own brand names and trademarks. CSA
shall not use any of Phoenix's brand names, trademarks or service marks in
connection with the use, license or service of the Software or otherwise without
Phoenix's express written consent, provided, however, that the Software shall
contain such legends and copyright notices as Phoenix shall reasonably require
to protect its intellectual property rights in the Licensed Products. For a
period of one year from the date of this Agreement, CSA may indicate that the
Software as marketed and distributed by CSA is a derivative of the Phoenix
Software to assist in establishing the market for the Software as private
labeled by CSA.

Until XXXX, Phoenix shall not grant any other party the right to market, sell or
license the Software within the Territory under such parties own trademarks and
trade names. Phoenix shall not grant the right to market, sell or license the
Software within the territory to more than one other party under Phoenix's
trademarks and trade names. Phoenix may continue to market, sell and license the
Software within the Territory, but only in conjunction with CSA on terms to be

                                        2



<PAGE>   3

                                          XXX - CONFIDENTIAL TREATMENT REQUESTED
                                                 AND CONFIDENTIAL PORTIONS FILED
                                                  SEPARATELY WITH THE COMMISSION


mutually agreed upon. Notwithstanding the foregoing, until XXXX, CSA's rights
hereunder shall be exclusive within XXXX. After XXXX all rights granted
hereunder shall be non-exclusive.

4   RESTRICTIONS.

4.1 Except as expressly stated in this Agreement, Phoenix shall have no
obligation to render any services or provide any effort, or to refrain from any
business or activity. Phoenix provides no assurance with regard to the results
or profitability of the promotional activities and services CSA is authorized to
pursue hereunder, or of the performance of the Software or Source Code.

4.2 CSA may copy the Licensed Products only as required to perform its duties
hereunder. The Software and Documentation shall not be provided to any third
party for use, evaluation or any other purpose except pursuant to a fully
executed License Agreement. The Source Code and Source Code Documentation shall
not be provided to any other party under any circumstances.

4.3 CSA shall follow the security procedures set forth in Exhibit C with respect
to the Source Code and Source Code Documentation, and shall give a copy of such
procedures to its employees who are given access to the Source Code or Source
Code Documentation. At the end of each quarter, CSA shall prepare, sign and send
to Phoenix the Certification attached hereto as Exhibit D.

4.4 Prior to April 1, 1999, CSA shall purchase insurance or a bond providing a
minimum of XXX to secure all of CSA's obligations under this Agreement. CSA
shall maintain such bond or insurance through XXXX. In the event that Phoenix
can show that the Source Code or Source Code Documentation provided to CSA
hereunder is in the possession of or is being used by any third party not
authorized by Phoenix to have access to such Source Code or Source Code
Documentation, Phoenix shall be entitled to collect the entire XXXX under such
bond or insurance policy. CSA acknowledges that the Source Code and Source Code
Documentation are Phoenix's most valuable assets, embody most of Phoenix's trade
secrets and intellectual property, and that the dissemination of the Source Code
or Source Code Documentation to any third party without Phoenix's consent would
cause irreparable and immeasurable harm to Phoenix, and that such XXXX is not
only a reasonable amount to cover damages caused thereby, but is probably
insufficient. The foregoing shall be in addition to any other remedies Phoenix
may have in law or equity under the laws of the United Sates, the Territory or
any other country.

4.5 Phoenix, or its authorized agent, shall have the right to audit CSA for
compliance with the terms of this Agreement. CSA shall provide Phoenix or such
agent access during regular business hours to CSA's premises and books and
records for any such audit upon 2 day's notice from Phoenix.

5   TERM AND TERMINATION

5.1 The rights and licenses granted to CSA herein shall be perpetual, subject to
prior termination by Phoenix as set forth herein.

5.2 This Agreement may be terminated by Phoenix upon 30 day's written notice if
CSA fails to perform its obligations hereunder in any material respect or
breaches the terms of this Agreement and such failure or breach is not cured
within such 30 day period. The 30 day period shall be 90
days if the applicable breach relates solely to late payment of fees due
hereunder.


                                        3

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                                          XXX - CONFIDENTIAL TREATMENT REQUESTED
                                                 AND CONFIDENTIAL PORTIONS FILED
                                                  SEPARATELY WITH THE COMMISSION



5.3 Upon termination of this Agreement, CSA shall immediately deliver to
Phoenix, at CSA's own expense, all copies of the Licensed Products and any other
materials related to Phoenix in the possession of or previously delivered to CSA
by Phoenix, except that CSA may retain copies of materials Phoenix agrees CSA
may retain in order to continue to provide support services to Customers for so
long as CSA continues to be authorized by Phoenix (pursuant to this Agreement or
a subsequent agreement) to provide such support services. Following termination
of this Agreement, CSA shall continue to be responsible for providing support
services to Customers in accordance with each Support Agreement, unless Phoenix
elects (at its option) to take over such support services in some or all cases
for the reason that CSA has failed to provide such support services or perform
its other obligations hereunder in a satisfactory manner. If such an exception
applies, CSA agrees to assign to Phoenix or Phoenix's designee some or all
support agreements still in effect, as requested by Phoenix. CSA agrees that
upon the breach by CSA of any terms or restrictions hereunder associated with
the Software, Phoenix shall be entitled to seek such injunctive and/or other
equitable relief as it deems proper in a court of appropriate jurisdiction.

5.4 Sections 4, 5, 6 and 8 of this Agreement shall survive termination and shall
remain in effect in accordance with their terms.

6   SERVICES.

6.1 Within one year following the date of this Agreement, Phoenix shall provide
up to XXX man-days of training in the use and support of the Source Code for
Trademark, TradeWind and TradeCentre at Phoenix's offices in Wellington, New
Zealand and up XXX man-days of training to CSA in the use and support of the
other portions of the Source Code at Phoenix's offices in Orlando, Florida. CSA
may purchase additional training and assistance for XXX per man-day for the
first year following the date of this Agreement, and at Phoenix's then current
rates for such services thereafter, subject to availability of Phoenix
personnel. All training shall be provided at Phoenix's offices.

6.2 CSA shall be responsible for providing all implementation, training and
support services to Customers. Phoenix shall provide remote assistance in the
provision of these services from its offices in Florida at Phoenix's then
current rates for such services, subject to availability of Phoenix personnel.
Phoenix shall not be required to provide assistance for changes made by CSA. In
no case shall Phoenix be required to travel to the Territory to provide services
to CSA or Customers.

6.3 In the event CSA requires services from Phoenix which are beyond the scope
of this Agreement, Phoenix will have no obligation to provide such services
unless it agrees to do so and satisfactory provision is made for associated fees
and travel and living expenses.

6.4 At Phoenix's request, CSA shall make itself available to provide Support
Services to other licensed end users located inside or outside the Territory.
Such Support Services shall be provided by CSA working directly for the
specified end users, or as a subcontractor working for Phoenix, at Phoenix's
option. Fees and charges will be agreed to by Phoenix and CSA on a case-by-case
basis, provided that CSA agrees that its fees and charges will not exceed the
fees and charges it customarily obtains for similar services in other
circumstances.

                                        4


<PAGE>   5


6.5 For a period of one year from the date of this Agreement, for educational
purposes, CSA personnel shall be allowed to participate in the development of
the Software for Customers in the Territory. Such participation shall be
alongside Phoenix developers in Orlando or such other site to be chosen by
Phoenix upon terms and conditions mutually acceptable to Phoenix and CSA.

7   TITLE; INTELLECTUAL PROPERTY.

7.1 The Licensed Products are protected by U.S., Nigerian, and other
international copyright laws, treaties and conventions, the Licensed Products
are copyrighted works under U.S. and foreign laws, and the Licensed Products are
protected as trade secrets and Confidential Information of Phoenix. Phoenix
retains all right, title, and interest in and to the Licensed Products, and all
intellectual property rights contained therein, subject only to the limited
license granted to CSA in this Agreement. Output reports and formats (e.g., ad
hoc reports, SQL queries, etc.) first created by CSA and/or any Customers shall
be subject to joint ownership of Phoenix and either CSA or the Customers, as
applicable (except that, to the extent such output reports derive from or
contain any part of the Licensed Products, the restrictions applicable to the
Licensed Products shall apply to any use thereof). CSA shall assist Phoenix, at
Phoenix's request, in perfecting and maintaining Phoenix's rights under
copyright law in each country in the Territory by advising Phoenix of any
special registration, recording or notice requirements.

7.2 All Changes made or obtained by CSA, any Customer, or their respective
employees or agents acting alone or in collaboration with each other, shall,
together with all intellectual property rights associated therewith, belong to
CSA or such Customer as agreed between the Customer and CSA, provided that
Phoenix shall be provided a copy of all Changes, and shall have an unlimited,
unrestricted, royalty free right and license to use, modify, copy, integrate,
distribute and sublicense such Changes outside of the Territory. At Phoenix's
request, CSA shall provide such rights to Phoenix within the Territory at a
reasonable royalty rate to be agreed upon by Phoenix and CSA.

7.3 CSA may not distribute, sell, sublease, assign, give, or transfer in any way
any copies of the Licensed Products except as provided in this Agreement.

7.4 CSA shall notify Phoenix in the event that it discovers any infringement of
Phoenix's rights in the Licensed Products or any violation of the terms of a
License Agreement, and shall cooperate with Phoenix and assist in the
prosecution of Phoenix's claims, provided that Phoenix retains financial
responsibility for costs of assistance and prosecution. Phoenix shall be
entitled to retain any proceeds from such claims, including settlement amounts,
for purposes of funding Phoenix's worldwide intellectual property protection
programs.

8   CONFIDENTIALITY OBLIGATIONS.

8.1 CSA acknowledges that the Licensed Products contain Confidential Information
and Trade Secrets of Phoenix.

8.2 CSA agrees at all times to maintain the complete confidentiality of the
Licensed Products, and all other Confidential Information of Phoenix. CSA shall
use its best efforts to protect the confidentiality of the Source Code and
Source Code Documentation, shall keep the Source Code and Source Code
Documentation in a secure place and shall not provide access to the Source Code
or Source Code Documentation to any employee or agent other than those employees
and agents who have a need for access in order for CSA to exercise its rights
hereunder.

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<PAGE>   6


8.3 CSA agrees not to permit or authorize access to, or disclosure of, the
Licensed Products or any other Confidential Information of Phoenix to any person
or entity other than (i) Eligible Prospects who have entered into
confidentiality agreements approved by Phoenix, to the extent necessary for such
Eligible Prospects to evaluate the Software, (ii) Customers, to the extent
necessary for such Customers to exercise their rights under applicable License
Agreements, and (iii) employees of CSA who have a "need to know" such
information in order to enable CSA to perform its obligations under this
Agreement and applicable License Agreements and Support Agreements. CSA may
disclose necessary portions of the Software, Documentation, or other
Confidential Information of Phoenix to governmental regulatory authorities if
such disclosure is required for compliance with applicable laws, but CSA shall
notify Phoenix of the applicable legal requirements before such disclosure
occurs and CSA shall use its best efforts to help Phoenix obtain protection as
may be available to preserve the confidentiality of such information following
disclosure.

8.4 For purposes of this Agreement, Confidential Information shall mean any
competitively sensitive or secret business, marketing or technical information
of Phoenix. In all cases, Phoenix's Confidential Information shall include the
Licensed Products, including all Changes. Confidential Information shall not
include, however, information which (i) is generally known to the public or
readily ascertainable from public sources (other than as a result of a breach of
confidentiality by CSA or any person or entity associated with CSA), (ii) is
independently developed without reference to or reliance on any Confidential
Information of Phoenix, as demonstrated by written records in CSA's possession
(which shall be provided to Phoenix at Phoenix's request), or (iii) is obtained
from an independent third party who created or acquired such information without
reference to or reliance on Confidential Information of Phoenix, as demonstrated
by written records in CSA's possession (which shall be provided to Phoenix at
Phoenix's request).

8.5 Each employee of CSA who is granted access to the Source Code or Source Code
Documentation shall have entered into a confidentiality agreement with CSA
containing terms and conditions which are at least as protective as those
contained in this Agreement. CSA shall provide copies of all such agreements to
Phoenix upon Phoenix's written request. CSA shall be responsible for all actions
of its employees and all persons to whom CSA grants access to the Licensed
Products, including Customers.

9   FEES AND CHARGES.

9.1 CSA shall pay Phoenix the fees set forth in Exhibit B.

9.2 CSA shall collect, report and pay to the relevant taxing authority, and
indemnify Phoenix for any liability relating to, all applicable excise,
property, VAT, sales and use, or similar taxes, any withholding requirement in
addition to or in lieu thereof, and any customs, import, export or other duties,
levies, tariffs, taxes, or other similar charges that are imposed by any
jurisdiction outside the United States of America for the transactions
contemplated herein, including the license of the Software by Phoenix.


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                                          XXX - CONFIDENTIAL TREATMENT REQUESTED
                                                 AND CONFIDENTIAL PORTIONS FILED
                                                  SEPARATELY WITH THE COMMISSION


9.3  Time is of the essence with respect to all payments due from CSA hereunder.
CSA may not suspend or set-off any payment due Phoenix hereunder on any basis
whatsoever. All amounts past due shall be due and payable 30 days following
invoice from Phoenix, or as otherwise set forth in Exhibit B. Late payments
shall accrue interest at the annual rate equal to XXXXX.

9.4  XXXXXX shall be the rate shown in XXXXXXXXX section of XXXXXXX on the XXXX
day of each XXXX.

10   LIMITATIONS.

10.1 PHOENIX SHALL HAVE NO LIABILITY FOR THE SOFTWARE OR ANY SERVICES PROVIDED
HEREUNDER, INCLUDING ANY LIABILITY FOR NEGLIGENCE. PHOENIX MAKES AND CSA
RECEIVES NO WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE IN ANY
PROVISION OF THIS AGREEMENT OR ANY OTHER COMMUNICATION, AND PHOENIX SPECIFICALLY
DISCLAIMS ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

10.2 The cumulative liability of Phoenix to CSA for all claims relating to the
Licensed Products and any services rendered hereunder, in contract, tort or
otherwise, shall not exceed the total amount of all license fees paid by CSA to
Phoenix for the relevant Software within the prior year. In no event shall
Phoenix be liable to CSA for any consequential, indirect, special, or incidental
damages, including without limitation lost profits, even if Phoenix has been
advised of the possibility of such potential loss or damage. The foregoing
limitation of liability and exclusion of certain damages shall apply regardless
of the success or effectiveness of other remedies.

11   INDEMNIFICATION BY PHOENIX.

11.1 If a third party claims that the Licensed Products infringes any patent,
copyright, trade secret, or similar intellectual property rights of a third
party Phoenix shall (as long as CSA is not in default under this Agreement or
any other agreement with Phoenix) defend CSA against that claim at Phoenix's
expense and pay all damages awarded by a court in a final judgment, provided
that CSA promptly notifies Phoenix in writing of any such claim, and allows
Phoenix to control, and cooperates with Phoenix in, the defense and disposition
of such claim, including any related settlement negotiations.

11.2 If such a claim is made or appears possible, Phoenix may, at its option,
secure for CSA the right to continue to use the Software, modify or replace the
Software so it is non-infringing, or refund all license fees paid for the
infringing material less a reasonable deduction for prior use. Phoenix has no
obligation hereunder for any claim based on a modified version of the Software
which has not been prepared solely by Phoenix, or for any combination, operation
or use of the Software with any product, data or apparatus not approved in
writing by Phoenix. Phoenix also shall have no obligation hereunder for any
claim based on theories of law that are not substantially equivalent to laws,
treaties and conventions applicable to U.S. patents, copyrights, trade secrets,
and similar intellectual property rights. THIS SECTION STATES PHOENIX'S ENTIRE
OBLIGATION TO CSA WITH RESPECT TO MATTERS OF TITLE OR ANY CLAIM OF INFRINGEMENT
THEREOF.


                                        7


<PAGE>   8

12   GENERAL

12.1 Power and Authority. Each party hereby represents and warrants to the other
party hereto that it has full power and authority to enter into and perform
under the terms of this Agreement, and the person executing this Agreement on
behalf of such party has been properly authorized and empowered to so execute
this Agreement.

12.2 Notices. All notices or other communications to be given hereunder shall be
in writing and delivered either by telecopy (confirmation by air mail), or by
international second day courier, courier charges prepaid, and addressed to the
appropriate party as set forth below.

 (a) If to CSA:

     Computer Systems Associates (Nigeria) Limited
     Yinka Folawiyo Plaza
     38 Warehouse Road
     Apapa, Lagos
     Nigeria
     Telecopy: 234 1 5870420

 (b) If to Phoenix:

     Phoenix International
     500 International Parkway
     Heathrow, Florida 32746
     FOR IMMEDIATE ATTENTION -- Deliver to President
     Telecopy: (407) 548-5296

With a copy to:

     Nelson Mullins Riley & Scarborough, L.L.P.
     First Union Plaza, Suite 1400
     999 Peachtree Street, N.E.
     Atlanta, Georgia  30309
     Attention:  Peter C. Quittmeyer, Esq.
     Fax:  404/817-6050

Notices delivered personally shall be effective upon delivery and notices
delivered by mail shall be effective upon their receipt by the party to whom
they are addressed.

12.3 Assignment. This Agreement may not be assigned by CSA, nor may CSA delegate
or subcontract any obligation incurred hereunder or under any applicable License
Agreement except with the prior written consent of Phoenix. Phoenix may
terminate this Agreement in the event that CSA experiences (in one transaction
or any series of transactions) a change of majority ownership or principal
management, or is merged with any other entity, unless Phoenix is promptly
notified of such change, is provided satisfactory assurance that CSA will be
able to perform its obligations hereunder to Phoenix's satisfaction, and such
change in ownership does not result in control of CSA by any entity which is in
the same business as Phoenix, or which competes with or is competitive with
Phoenix either in Africa or any other part of the world. A change in control in
violation of the foregoing sentence shall permit Phoenix to terminate the right
granted hereunder immediately. Subject to the foregoing, this Agreement shall
inure to the benefit of, and shall be binding upon, the parties hereto, their
successors and assigns.


                                        8


<PAGE>   9


12.4  Counterparts. This Agreement may be executed in any number of
counterparts, each of which shall be deemed an original, and all of which
together shall constitute one instrument.

12.5  Governing Law. This Agreement shall be governed by and construed and
enforced in accordance with the laws of the U.K.

12.6  Entire Agreement. This Agreement may not be modified except by a writing
signed by authorized representatives of both parties. A waiver by either party
of its rights hereunder shall not be binding unless contained in a writing
signed by an authorized representative of the party waiving its rights. The
non-enforcement or waiver of any provision on one occasion shall not constitute
a waiver of such provision on any other occasions unless expressly so agreed in
writing. It is agreed that no usage of trade or other regular practice or method
of dealing between the parties hereto shall be used to modify, interpret,
supplement or alter in any manner the terms of this Agreement. The English
Language form of this Agreement shall be controlling for purposes of
interpretation and enforcement.

12.7  Headings. The headings contained in this Agreement are for reference
purposes only and shall not affect the meaning or interpretation hereof.

12.8  Employees. Neither party shall hire nor recruit any employee of the other
without the prior written consent of such party.

12.9  Compliance With Laws.

 (a) CSA shall, at its own expense, comply with all laws relating to the
 marketing, distribution or licensing of the Software, and shall procure all
 licenses and pay all fees and other charges required thereby.

 (b) Notwithstanding anything in this Agreement to the contrary, it is
 acknowledged and agreed that neither Phoenix nor CSA may ship, export or
 re-export the Licensed Products, or any other information, process, product or
 service obtained directly or indirectly from Phoenix, to any country or entity
 which is the subject of any prohibition imposed by the U.S. Export
 Administration Act of 1979, U.S. Executive Orders, the U.S. Department of
 Commerce, and the North Atlantic Treaty Organization. CSA understand that, if
 such a prohibition applies and an export license cannot be obtained with
 reasonable effort, the disclosure or delivery of the Licensed Products may not
 occur. To assure compliance, CSA agrees to notify Phoenix of each Eligible
 Prospect as soon as possible so that Phoenix can evaluate whether prohibitions
 may apply or export licenses may be available. If unusual costs are involved in
 obtaining export licenses, Phoenix may require CSA to accept responsibility for
 some or all of those costs.

 (c) CSA hereby agrees that CSA and its directors, officers, employees, and
 agents will comply with the Foreign Corrupt Practices Act of 1977, as amended
 (the "Act") with respect to the subject matter of this Agreement. In this
 regard, neither CSA nor any of its directors, officers, employees, or agents
 will make or offer to make any payment or gift directly or indirectly to any
 employee, officer, or representative of any governmental entity or
 instrumentality or to any foreign political party, any official of a foreign
 political party, or candidate, where such payment would constitute a bribe,
 kickback, or illegal payment under U.S. or applicable foreign laws.

12.10 Independent Contractor. Each party hereto shall be and remain an
independent contractor; nothing herein shall be deemed to constitute the parties
as partners, and neither party shall have any authority to act, or attempt to
act, or represent itself, directly or by implication, as an agent of the other
or in any manner assume or create, or attempt to assume or create, any
obligation on


                                        9


<PAGE>   10


behalf of or in the name of the other, nor shall either by deemed the agent or
employee of the other.

12.11 Arbitration. In the event a claim, controversy or dispute between Phoenix
and CSA arises out of or in connection with this Agreement or the transactions
and business contemplated hereby, including the validity, construction or
enforcement thereof, either party may demand that such matter be submitted to
final and binding arbitration before a single arbitrator selected by the parties
in accordance with the then-existing rules of the Internal Chamber of Commerce.
The situs of all arbitration proceedings shall be London, England, unless
Phoenix and CSA agree in writing to another situs. All arbitration proceedings
and records shall be in English. Issuance of an arbitration demand shall suspend
the effect of any default entailed by such claim, controversy or dispute and any
judicial or administrative proceedings instituted in connection therewith, for
the duration of the arbitration proceedings. If Phoenix and CSA cannot agree on
the identity of a single arbitrator within five (5) days of receipt of the
arbitration demand, each of them shall appoint one (1) arbitrator and the
party-appointed arbitrators shall appoint a third arbitrator within five (5)
days of their appointment. The arbitrator or arbitrators shall determine whether
a default has occurred, and shall deliver its or their decision within ninety
(90) days of the date of receipt of the arbitration demand, specifying such
remedy (including money damages) as shall (a) fully implement the intent and
purposes of this Agreement and (b) indemnify and hold harmless the non-breaching
party from all losses, costs and expenses (including costs of arbitration and
reasonable attorneys' fees) resulting from the default. Termination or
limitation of Phoenix's rights in the Software, the Documentation, or any
associated intellectual property rights may not be awarded under any
circumstances. The right to demand arbitration and to receive damages and obtain
other available remedies as provided hereunder shall be the exclusive remedy in
the event an arbitration demand is made, except that Phoenix shall be entitled
to obtain equitable relief, such as injunctive relief, from any court of
competent jurisdiction in order to protect its rights in the Software, the
Documentation, or any associated intellectual property rights while such
proceeding is pending or in support of any award made pursuant to such
arbitration. Phoenix and CSA hereby consent to the enforcement in the courts of
each country in the Territory and the United States of any arbitral judgment or
award rendered pursuant to this Section.

Initials accepting arbitration provisions:

Phoenix: /s/ RMS                    CSA: /s/ Simeon C. Agu
         ----------------                ----------------------


IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the
day and year first above written.


  PHOENIX INTERNATIONAL LTD., INC.       COMPUTER SYSTEMS ASSOCIATES
                                         (NIGERIA) LIMITED

  By:    /s/ Raju Shivdasani             By:    /s/ Simeon C. Agu
     ----------------------------           ------------------------------
  Title: President & COO                 Title: Managing Director/CEO
        -------------------------              ---------------------------
  Date:  31st March, 1998                Date:  31st March, 1998
       --------------------------             ----------------------------


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<PAGE>   11


                                    EXHIBIT A
                                    SOFTWARE

Current International Version of the Phoenix Banking System and TradeWind and
all releases and maintenance updates for such products prior to March 31, 1999,
if any, inclusive of all modifications made by Phoenix for Customers in the
Territory.

The current version only of the following Phoenix software:

     Phoenix Voice Response System
     Phoenix ATM
     Phoenix Internet Banking System
     TradeCentre
     TradeMark

Phoenix is not obligated to provide any additional releases or software to CSA
other than as specifically listed above.



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                                          XXX - CONFIDENTIAL TREATMENT REQUESTED
                                                 AND CONFIDENTIAL PORTIONS FILED
                                                  SEPARATELY WITH THE COMMISSION




                                    EXHIBIT B
                           LICENSE FEES AND ROYALTIES

All amounts due hereunder shall be paid in U.S. Dollars via wire transfer to the
bank account in the United States as designated by Phoenix from time to time.


A.   Source Code License Fee                 XXXX
B.   Continuing Royalties                    XXXX per year for XXXX years

Payment terms:

1. The source Code License Fee shall be paid as follows:
     XXXX
     XXXX on XXXX
     XXXX on XXXX
     XXXX on XXXX
     XXXX on XXXX

2. The Continuing Royalties Fee shall be paid as follows:
   XXXX on the last day of the second month of each calendar quarter with the
first payment on XXXX and the last payment on XXXX.

3. Fees for Services: Fees for all services requested hereunder shall be payable
in advance, based on Phoenix's estimate of work required for each project. Upon
completion of a particular project, the prepaid amount will be reconciled with
the amount of time actually required to complete such project, and Phoenix shall
refund to CSA, or CSA shall pay to Phoenix, the difference, as the case may be.

4. By April 27, 1998, CSA shall obtain an irrevocable demand letter of credit in
favor of Phoenix in the amount of XXXX (less amounts actually paid by CSA to
Phoenix hereunder, or otherwise secured in a manner acceptable to Phoenix, but
in no case less than XXXX, nor more at any time than amounts actually due
Phoenix within the next 6 months) confirmed by a U.S. financial institution
acceptable to Phoenix, payable upon presentment by Phoenix of invoices in
accordance with the payment schedule set forth above, with terms reasonably
acceptable to Phoenix. CSA shall maintain such letter of credit on the same
terms through the XXXX payment. Thereafter CSA shall maintain a letter of credit
on the same terms with an available amount of XXXX until all amounts due
hereunder have been paid in full, provided that the letter of credit may be
reduced as the total of amounts due hereunder is reduced for the last two
payment dates.

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<PAGE>   13


                                    EXHIBIT C
                    SECURITY PROCEDURES FOR PHOENIX SOFTWARE

1.   The information contained in the Phoenix Banking System and other Phoenix
     Software is highly proprietary and confidential information belonging to
     Phoenix International Ltd., Inc. CSA is responsible for the security and
     safekeeping of such information, including all copies of the Source Code
     and Source Code Documentation for such Software. It is each employee's duty
     to follow the procedures set forth below to ensure CSA's compliance with
     its security obligations.

2.   Strict security measures are necessary to insure the safety and security of
     the Phoenix Source Code and other proprietary information.

3.   Only those employees who need to have access to the Phoenix Source Code and
     Source Code Documentation shall be authorized for access by CSA. CSA shall
     keep a list of such authorized employees. Only authorized employees shall
     be allowed access to the Source Code and Source Code Documentation.

4.   The Source Code and Source Code Documentation shall be kept in a secure
     area at all times. Only authorized employees shall have access to such
     area.

5.   During non-working hours, all hard copies of the Source Code and Source
     Code Documentation and all computer disks, tapes, CDs and other media
     containing copies of the Source Code and Source Code Documentation shall be
     kept in a locked and secure file cabinet or safe.

6.   All Source Code accessible on a computer or computer network shall be
     secured with an encrypted security scheme with password protection. A
     separate password shall be allocated to each employee with access to the
     Source Code and Source Code Documentation, and all access by any person
     shall be recorded and logged by name and password. Passwords shall be
     changed periodically, but no less than quarterly.

7.   Computers which are logged in for access to the Source Code or Source Code
     Documentation shall never be left unattended by authorized personnel. All
     employees shall log off of computers before leaving them unattended.

8.   A written record shall be kept of the number and location of all copies of
     the Source Code, Object Code, Documentation and Source Code Documentation
     for the Phoenix Software. Each employee shall keep a detailed record of all
     changes made to the Source Code. CSA shall keep a comprehensive and
     thorough record of all changes to the Source Code.

9.   Prior to disposal of any media or materials that contain any part of the
     software, documentation, other proprietary or confidential information of
     Phoenix, CSA and its employees shall obliterate or otherwise destroy all
     code, instructions, commentary, or further evidence of Confidential
     Information, for example, by erasing, incinerating, or shredding such
     materials.

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<PAGE>   14


                                    EXHIBIT D
                        SECURITY COMPLIANCE CERTIFICATION


Date _____________________


As of the date set forth above, Computer Systems Associates (Nigeria) Limited
("CSA") hereby certifies to Phoenix International Ltd., Inc. ("Phoenix") the
following:

1. CSA is in compliance with all security procedures and terms and conditions
set forth in the Source Code License Agreement between Phoenix and CSA dated
March 31, 1998. All employees of CSA who have been given access to the Source
Code have entered into confidentiality agreements with CSA concerning the use
and protection of the Source Code and Source Code Documentation in accordance
with the terms of the License Agreement.

2. Following is a comprehensive list of the number and location of all copies of
the Source Code and Source Code Documentation, complete with street addresses:












3. Following is a list of all Customers to whom CSA has licensed the Software
within the last quarter:












4. Attached is a summary of the Changes that have been made to the Source Code,
accompanied by a development level description of such Changes, and a copy of
the current version of the Source Code with all such Changes in a computer
readable format acceptable to Phoenix.



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This certification has been signed by an authorized officer of CSA as of the
date first set forth above.

Computer Systems Associates ( Nigeria) Limited


By:
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