STOCK PURCHASE AND SALE AGREEMENT

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                               CUSA Technologies, Inc.


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         THIS STOCK  PURCHASE AND SALE AGREEMENT is made as of January 24, 1997,
by and between CUSA  Technologies,  Inc., a Nevada  corporation (the "Company"),
and Richard N.  Beckstrand,  a resident of Salt Lake County,  State of Utah (the
"Investor").

         THE PARTIES HEREBY AGREE as follows:

         1.       Purchase and Sale.

                  1.1. Sale and Issuance of Common  Stock.  Subject to the terms
and conditions of this  Agreement,  Investor  agrees to purchase at the Closing,
and the Company  agrees to sell and issue to Investor  at the  Closing,  against
cash payment,  8,648,649 shares of Common Stock of the Company (the "Shares") at
a purchase price of $.925 per Share.

                  1.2.  Closing.  The  purchase  and  sale of the  Shares  being
purchased  by the  Investor  shall take place at the  offices of the  Company on
February  10,  1997,  or at such  other  time and place as the  Company  and the
Investor   mutually  agree  upon  (which  time  and  place  are  designated  the
"Closing").  At the Closing, the Company shall deliver to Investor a certificate
representing  the Shares which  Investor is purchasing  against  delivery to the
Company  by  Investor  of cash or a  certified  bank  cashier's  or other  check
reasonably acceptable to the Company.

                  1.3.     Use of  Proceeds.  The Company agrees to use the
proceeds  from the sale of the Shares for the repayment of outstanding
obligations as set forth in Exhibit 1, for the reduction of debt and for working
capital purposes.

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         2.       Representations  and  Warranties of the Company.  The Company
hereby  represents and warrants to Investor that:

                  2.1.   Incorporation.   The  Company  is  a  corporation  duly
organized and validly existing,  is in good standing under the laws of the State
of Nevada,  has all  requisite  corporate  power and  authority  to carry on its
business as now conducted and as proposed to be conducted, and is qualified as a
foreign  corporation in each jurisdiction  where the failure so to qualify would
have a material adverse effect on its business or operations.

                  2.2.  Capitalization.  The  authorized  capital of the Company
consists of 25,000,000 shares of Common Stock, of which at Closing not more than
8,950,000  shares will be issued and outstanding as of the Closing and 1,500,000
shares of Preferred Stock of which 1,000,000  shares of 1994 Series  Convertible
Preferred Stock will be issued and outstanding as of the Closing.

                  2.3.  Authorization.  All corporate  action on the part of the
Company, its officers and directors necessary for the authorization,  execution,
delivery and  performance of all obligations of the Company under this Agreement
and for the  authorization,  issuance  and  delivery  of the  Shares  being sold
hereunder has been or shall be taken prior to the Closing,  and this  Agreement,
when  executed  and  delivered,  shall  constitute  a valid and legally  binding
obligation  of the  Company.  Issuance  of the  Shares  will not be  subject  to
preemptive  rights  or  other  preferential  rights  of any  present  or  future
stockholders in the Company.

                  2.4.     Validity of the Shares.  The Shares, when issued,
sold and delivered in accordance with the terms of this Agreement, shall be
duly and validly issued.

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         3.       Representations and Warranties of Investor.  Investor
represents and warrants to the Company as follows:

                  3.1.     Authorization.   When executed and delivered by
Investor, this Agreement will constitute the valid and legally binding
obligation of such Investor.

                  3.2.     Accredited  Investor.  Investor is an  "accredited
investor" as that term is defined in Rule 501 promulgated under the Securities
Act of 1933 (the "Act").

         4.       Securities Act of 1933.

                  4.1.     Investment Representation.

                           (a)      This Agreement is made with Investor
in  reliance  upon  Investor's  representations  to the  Company,  which  by its
acceptance hereof Investor hereby confirms,  that the Shares to be received will
be acquired for investment for an indefinite  period for his own account and not
with a view to the sale or distribution of any part thereof,  and that he has no
present  intention of selling or otherwise  distributing  the same, but subject,
nevertheless,  to any  requirement  of law that the  disposition of his property
shall at all times be within his control. By executing this Agreement,  Investor
further  represents  he does not have any  contract,  undertaking,  agreement or
arrangement  with any  person  to sell or  transfer  to such  person  any of the
Shares.

                           (b)      Investor understands that the Shares are not
and may never be  registered  under the Act on the ground that the sale provided
for in this  Agreement and the issuance of Shares is exempt  pursuant to Section
4(2) of the Act and Rule 506 of Regulation D thereunder,  and that the Company's
reliance  on such  exemption  is  predicated  on his  representations  set forth
herein.

                           (c)      Investor agrees that in no event will he
make a  disposition  of any of the  Shares,  unless the  Shares  shall have been
registered  under  the Act,  unless  and until (i) he shall  have  notified  the
Company  with  a  statement  of  the  circumstances   surrounding  the  proposed
disposition  and (ii) he shall have  furnished  the  Company  with an opinion of
counsel  reasonably  satisfactory  to the  Company to the  effect  that (A) such
disposition will not require  registration of such Shares under the Act, and (B)
that appropriate action necessary for compliance with the Act has been taken.

<PAGE>

                           (d)      Investor represents that he is able to
fend for himself in the transaction  contemplated  by this  Agreement,  has such
knowledge and  experience in financial and business  matters as to be capable of
evaluating the merits and risks of his  investment,  has the ability to bear the
economic  risks of his investment and has been furnished with and has had access
to such  information  as would be made  available in the form of a  registration
statement  together with such  additional  information as is necessary to verify
the accuracy of the  information  supplied and to have all questions  which have
been asked answered by the Company.  Without  limiting the  foregoing,  Investor
acknowledges  that he is the Chief Executive  Officer,  Chairman of the Board of
Directors and a principal  shareholder  of the Company and is fully aware of all
information relevant to the business and financial condition of the Company.

                           (e)      Investor  understands  that if a
registration  statement  covering the Shares under the Act is not in effect when
he desires to sell any of the Shares, he may be required to hold such Shares for
an indeterminate  period. He also acknowledges that he understands that any sale
of the Shares which might be made by him in reliance upon Rule 144 under the Act
may be made only in limited  amounts in accordance with the terms and conditions
of that Rule.

                  4.2.     Legends.  All  certificates  for the  Shares shall
bear substantially the following legend:

                  "THE  SHARES  EVIDENCED  BY THIS  CERTIFICATE  HAVE  NOT  BEEN
                  REGISTERED  UNDER THE SECURITIES ACT OF 1933, AS AMENDED,  AND
                  HAVE BEEN ACQUIRED BY THE HOLDER FOR INVESTMENT PURPOSES. SAID
                  SHARES  MAY NOT BE SOLD OR  TRANSFERRED  UNLESS  (A) THEY HAVE
                  BEEN REGISTERED UNDER SAID ACT, OR (B) THE COMPANY'S  TRANSFER
                  AGENT IS PRESENTED WITH EITHER A WRITTEN OPINION  SATISFACTORY
                  TO COUNSEL FOR THE  COMPANY OR A  NO-ACTION'  OR  INTERPRETIVE
                  LETTER FROM THE  SECURITIES  AND  EXCHANGE  COMMISSION  TO THE
                  EFFECT  THAT  SUCH  REGISTRATION  IS NOT  REQUIRED  UNDER  THE
                  CIRCUMSTANCES OF SUCH SALE OR TRANSFER."


                  4.3. Rule 144. The Company  covenants and agrees that:  (i) at
all times  while it is subject to the  reporting  requirements  of Section 13 or
15(d) of the  Securities  Exchange  Act of 1934 it will use its best  efforts to
comply with the current public information  requirements of Rule 144(c)(1) under
the Act; and (ii) it will  furnish  Investor  upon request with all  information
about the Company required for the preparation and filing of Form 144.

<PAGE>

         5.       Miscellaneous.

                  5.1.  Entire  Contract.   Except  as  specifically  referenced
herein,  this  Agreement  constitutes  the entire  contract  between the parties
hereto  concerning  the  subject  matter  hereof and no party shall be liable or
bound to the other in any manner by any warranties, representations or covenants
except as  specifically  set forth  herein.  Any  previous  agreement  among the
parties related to the transactions  described herein is superseded  hereby. The
terms and  conditions  of this  Agreement  shall  inure to the benefit of and be
binding  upon the  respective  successors  and  assigns of the  parties  hereto.
Nothing in this  Agreement,  express or implied,  is intended to confer upon any
party,  other than the  parties  hereto,  and their  respective  successors  and
assigns, any rights, remedies, obligations, or liabilities under or by reason of
this Agreement, except as expressly provided herein.

                  5.2.     Governing  Law.  This  Agreement  shall be governed
by and  construed  under the laws of the State of Utah.

                  5.3.     Titles  and  Subtitles.   The  titles  of  the
paragraphs and subparagraphs of  this Agreement are for convenience and are
not to be considered in construing this Agreement.

                  5.4. Notices. Any notice required or permitted hereunder shall
be given in writing and shall be deemed effectively given upon personal delivery
or upon deposit in the United  States Post Office,  by  registered  or certified
mail,  addressed to a party at its address hereinafter shown below its signature
or at such other  address as such party may  designate  by ten (10) days advance
written notice to the other party.

                  5.5.     Survival of  Warranties.  The warranties and
representations of the Company contained in or made pursuant to this
Agreement shall survive the execution and delivery of this Agreement and the
Closing hereunder.

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

                                              CUSA TECHNOLOGIES, INC.


                                                  /s/ D. Jeff Peck
                                              By______________________________
                                              Its Chief Financial Officer

                                               986 West Atherton Drive
                                               Salt Lake City, Utah 84123


                                               /s/ Richard N. Beckstrand
                                               ---------------------------------
                                               Richard N. Beckstrand
                                               5156 Cottonwood Lane
                                               Salt Lake City, Utah 84117