Exhibit 10.6.3

                    SEPARATION AGREEMENT AND GENERAL RELEASE


     AGREEMENT  made this 2nd day of November  2004,  by and between  InteliData
Technologies Corporation ("INTELIDATA") and Albert N. Wergley ("Employee").

     WHEREAS,  INTELIDATA  and  Employee  are  parties  to  an  "Employment  and
Non-Competition  Agreement,  dated  December 17, 1997,  as amended June 14, 1999
(the  "Employment  Agreement"),  and mutually desire to reach an agreement as to
the rights,  benefits and  obligations  of  INTELIDATA  and Employee  concerning
Employee's  employment with INTELIDATA and the separation from  employment,  the
parties agree as follows:

1.   Separation  Date.  Employee's  last day of employment  shall be November 5,
     2004 (the "Separation Date"). No additional leave accrual shall occur after
     the Separation  Date. No additional  stock option vesting shall occur after
     the  Separation  Date.  All vested stock  options held by Employee  must be
     exercised in  accordance  with the terms of the option  agreement  for such
     option grant.

2.   Severance  Benefits  and  Consideration.  In  consideration  of the General
     Release  and  Waiver  set  forth in  Paragraph  3,  below,  and  Employee's
     agreement to continue  employment  through the Separation Date,  INTELIDATA
     agrees to provide  Employee the  compensation  and benefits (the "Severance
     Benefits") set forth below:

     a.   Any salary  payments earned up to the Separation Date shall be paid on
          INTELIDATA's normal pay period for such payments.

     b.   Accrued  vacation pay through the Separation Date shall be paid within
          fourteen days of the Separation date.

     c.   In accordance  with Section  3.2(d)(iii) of the Employment  Agreement,
          Employee  shall be paid a lump sum  payment  of  $50,000  (subject  to
          customary  withholdings).  Such payment shall be made within  fourteen
          days of the Separation date.


     The Severance  Benefits,  including  continuation of employment through the
     Separation  Date,  shall be the sole  consideration  due from INTELIDATA to
     Employee  relating  to  Employee's   employment  with  INTELIDATA  and  the
     separation  from employment and the General Release and Waiver in Paragraph
     3, below.  Employee understands that by offering this Severance Benefit and
     entering into this  Agreement,  INTELIDATA does not admit liability for any
     wrongful or unlawful act in connection  either with  Employee's  separation
     from employment or with making this offer.

3.   Employee  General  Release and Waiver.  Employee  voluntarily and knowingly
     executes  this  General  Release  and  Waiver  in   consideration   of  the
     compensation  and  benefits  set  forth  in  Paragraph  2  above.  With the
     intention of binding Employee,  Employee's  heirs, and Employee's  personal
     and/or legal representatives, successors, and assigns, Employee does hereby
     waive,  release,  and forever  discharge  INTELIDATA and/or its successors,
     assigns,   subsidiaries,   including,   without  limitation,  Home  Account
     Holdings,  Inc.  and Home  Account  Network,  Inc.,  affiliated  or related
     entities, and/or its owners, officers,  employees,  directors,  agents, and
     representatives   ("INTELIDATA   and  its   Affiliates")  of  all  charges,
     complaints,  causes of action,  and claims of any kind,  including  but not
     limited to claims  under  Title VII of the Civil  Rights  Act of 1964,  the
     Civil  Rights  Act of  1991,  the  Americans  with  Disabilities  Act,  the
     Rehabilitations  Act of 1973,  WARN Act, any other federal,  state or local
     law prohibiting  discrimination  on account of Employee's race, color, sex,
     marital status,  national  origin or any disability  Employee may have, for
     wrongful  termination and any or common law, for back pay,  overtime wages,
     front  pay,  lost  benefits,   compensatory  damages,  liquidated  damages,
     punitive  damages,  attorneys' fees and costs, or any other damages arising
     from  events,  acts,  or  omissions  which  occurred  prior to the date the
     Employee  executes this Agreement,  whether such claims are presently known
     or here  after  discovered.  This  release  of claims  includes  but is not
     limited to: 1) any claims the  Employee may have arising from the terms and
     conditions   of  employment  by   INTELIDATA   and  its   Affiliates,   its
     subsidiaries, or termination from employment, 2) any claim for reemployment
     or reinstatement with INTELIDATA and its Affiliates;  and 3) any claims for
     attorney's fees,  settlement costs, or any other costs incurred by Employee
     in connection with this Agreement.
<page>

     This  waiver  does not apply to any rights or claims  that relate to events
     that may occur after the date this Agreement is effective.

4.   Period for  Revocation.  With respect to the General  Release and Waiver in
     paragraph 3, Employee agrees and understands  that Employee is specifically
     releasing all claims under the Age Discrimination in Employment Act (ADEA),
     as amended, 29 U.S.C. Section 621 et seq. Employee  states  that his waiver
                                       ------
     of ADEA  claims is knowing and  voluntary,  and he  understands  that he is
     forever releasing  INTELIDATA and its Affiliates and covenanting not to sue
     with respect to such claims.  Employee further  acknowledges  that Employee
     has had,  or waives  his right to have,  at least  twenty-one  (21) days to
     consider  this  Agreement and to waive and release any claims he might have
     against  INTELIDATA and its  Affiliates,  including  claims under the ADEA.
     This Agreement shall become effective and enforceable  seven (7) days after
     the date it is executed,  and Employee understands that he has the right to
     review it with an attorney of his choice and to revoke  this  Agreement  at
     any time  within that seven (7) day  period.  If Employee  elects to revoke
     this  Agreement  within  this  seven-day  period,  Employee  must  do so by
     delivering a written  notice of revocation to the  INTELIDATA  CEO no later
     than 5:00 p.m. on the seventh day after  Employee has signed the Agreement.
     If  Employee  revokes  this  Agreement   pursuant  to  this  Paragraph  and
     INTELIDATA  has already made the payment  under  Paragraph  2(d),  Employee
     agrees  to refund  the  entire  amount of that  payment  to  INTELIDATA  by
     certified check within forty-eight (48) hours of revocation.

5.   Employment  Agreement.  The "Employee  Confidentiality  and  Non-Disclosure
     Agreement"  Employee entered into effective as of May 3, 1995 shall survive
     the  Separation  Date  and  Employee's   termination  of  employment.   The
     Employment  Agreement shall terminate on the Separation;  provided however,
     the  provisions of Sections 4 and 5 of the Employment  Agreement  regarding
     "Non-Competition,  Non-Hire, Non-Disparagement" and "Confidentiality" shall
     survive termination in accordance with their terms.

6.   No Employee Assignment.  This Agreement may not be assigned, in whole or in
     part,  by Employee  and shall fully bind,  and inure to the benefit of, the
     heirs, successors and representatives of the parties.

7.   Acknowledgment.   Employee   acknowledges   that   Employee  has  read  and
     understands the Agreement and executes it voluntarily and without coercion.
     Employee further acknowledges that Employee is hereby advised of Employee's
     right to consult with an attorney of Employee's  choice at  Employee's  own
     expense prior to executing this Agreement.  Finally,  Employee acknowledges
     and agrees that the  payments  and  promises  reflected  in this  Agreement
     constitute good and sufficient  consideration  for the foregoing waiver and
     release,  as well as the other promises made herein, and exceed anything of
     value to which Employee is owed by INTELIDATA.

8.   Entire Agreement. The Agreement is the final and complete agreement between
     the parties as to the subject  matter herein,  and shall,  to the extent it
     conflicts  with any prior oral or written  agreement  between the  parties,
     supercede   such  prior   agreements   with  the   exception   of  executed
     Non-Disclosure/Non-Compete/Confidentiality  Agreements  and executed  Stock
     Option  Agreements.  No modification of this Agreement shall be made unless
     in writing and signed by both  parties.  Neither  party shall  disclose the
     contents of this Agreement to any third party, except as may be required by
     law. This Agreement shall be governed by the laws of the State of Virginia.


EMPLOYEE                                   INTELIDATA TECHNOLOGIES CORPORATION



/s/ Albert N. Wergely                      BY: /s/ Alfred S. Dominick, Jr.
----------------------                         ---------------------------
Albert N. Wergley                              Alfred S. Dominick, Jr.
                                               Chief Executive Officer


11/2/04                                        11/2/04
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Date                                           Date