Exhibit 10.5

CONFIDENTIAL TREATMENT HAS BEEN REQUESTED FOR CERTAINREDACTED PROVISIONS OF THIS AGREEMENT. THE REDACTED PROVISIONS ARE INDICATED BYTHREE ASTERISKS ENCLOSED BY BRACKETS AND UNDERLINED. THE CONFIDENTIAL PORTIONSHAVE BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION. 

**EXECUTION COPY**

**MASTER SERVICES AGREEMENT**

**THIS MASTER SERVICES AGREEMENT**("Agreement") isentered into as of the 31st day of October, 2002 (the "EffectiveDate"), by and between **IPS CARD SOLUTIONS**, **INC.**, a Marylandcorporation, doing business as ValueLink, whose principal place of business is12500 East Belford Avenue, Englewood, Colorado 80111 ("ValueLink"), and **NBOSYSTEMS,****INC.**, a Maryland corporation, whose principal place ofbusiness is 3676 West California Avenue, Building D, Salt Lake City, Utah 84104("Supplier"). 

**RECITALS**

**WHEREAS**, Supplier is in the business and capable ofproviding certain services as described below ("Supplier Services") on anoutsourced back-end support services basis to allow and enable ValueLink tooffer, sell and provide to each and any of its clients ("ValueLink Clients")that use ValueLink's Stored Value Card Services (as defined below) "Card OrderFulfillment Services" (as described below); and 

**WHEREAS**, ValueLink desires to retain Supplier toprovide Supplier Services in accordance with the terms of this Agreement; 

**NOW THEREFORE**, the parties hereby agree as follows:

1. **DEFINITIONS.** For purposes of this Agreement, thefollowing terms have the meanings set forth below. Other terms may be definedelsewhere in this Agreement and have the meanings ascribed there to them. 

*"Affiliate"* means, with respect to either party, anyentity or enterprise that is controlling, controlled by or under common controlwith such party. 

*"Call Center"* means the call center maintained bySupplier, which is accessible directly by means of a toll-free number bypurchasers who desire to purchase Cards (as defined below) by telephone. 

*"Cardholder"* means the purchaser of a Card. 

*"Cardholder Information"* means any personallyidentifiable information provided by the Cardholder, including but not limitedto the Cardholder's name, address or phone number. 

*"Card Order Fulfillment Services"* are defined anddescribed in Section 2 and **Exhibit A** attached. 

*"Designated Recipient"* means the person who is theintended recipient of a Stored Value Card (as defined below) issued on behalf ofa ValueLink Client pursuant to that Client's Stored KAG BJB Value Card Program(as defined below) in connection with Card Order Fulfillment Services providedpursuant to this Agreement. 

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*"Designated Representative"* is defined in Section 2.

*"IVR"* means an automated interactive response systemaccessed via a toll-free telephone number. 

*"Project"* is defined in Section 2. 

*"Stored Value Card"* or *"Card"* means a magneticstripe or barcode plastic card that will access data maintained in the ValueLinkDatabase (as defined below) and enable a person holding such Card, uponacceptance by ValueLink on behalf of a ValueLink Client pursuant to the client'sStored Value Card Program (as defined below), to purchase goods and/or servicesfrom or through the ValueLink Client. 

*"Stored Value Card Program"* means the program of aValueLink Client pursuant to which such client and/or one or more of itsaffiliated issuers issue Stored Value Cards and ValueLink provides the StoredValue Card Services to enable the use of such cards for the purchase of goodsand/or services from or through the ValueLink Client or its affiliated issuersat or through locations designated by the ValueLink Client. 

*"Stored Value Card Services"* means the services (whichmay include Supplier Services) provided by ValueLink in connection with theStored Value Card Program of a ValueLink Client pursuant to an agreementtherefor. 

*"Term"* means the "Initial Term" of this Agreement andincludes any "Renewal Term" (each as defined in Section 18). 

*"Work Order"* is defined in Section 3. 

*"ValueLink Database"* means the central database ownedand operated by ValueLink on which data is maintained and stored for each StoredValue Card issued by a ValueLink Client (and its affiliated issuers) under suchclient's Stored Value Card Program. 

2. **SUPPLIER SERVICES.** Supplier will provide theSupplier Services as outlined and described in this Agreement. Supplier Servicesinclude, but are not limited to, the card order fulfillment services, asdescribed and set forth in **Exhibit A** attached ("Card Order FulfillmentServices"), and other services set forth in such exhibit. Each individual WorkOrder for Supplier Services will be related to a particular ValueLink Client andits Stored Value Card Program ("Project"). Each party shall designate a pointperson ("Designated Representative") who shall be the person the other party'sDesignated Representative may contact to present and/or resolve issues andmatters arising under this Agreement or with respect to a particular Project orValueLink Client. Unless otherwise agreed to by ValueLink, Supplier will notknowingly contact ValueLink Clients directly. 

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3. **WORK ORDER(S).** Before undertaking a Project,ValueLink and Supplier shall complete a Work Order for each Project with respectto which ValueLink desires Supplier to KAG BJB provide Supplier Services. TheWork Order shall be in substantially the same form as set forth in **Exhibit B**attached hereto (the "Work Order"). Each Work Order will describe the typeof Supplier Services to be provided and set forth any detailed procedures,practices, specifications, deliverables, time frames or other particulars thatshall govern the Supplier Services to be provided by Supplier under such WorkOrder. By its reference to this Agreement, each Work Order shall be consideredto include the Card Order Fulfillment Services (unless it expressly excludessuch services), together with any additional or new such services as may beadded to **Exhibit A**in the future by amendment, supplement or othermodification mutually agreed in writing (but not any course of dealing) by theparties, and any other additional Supplier Services as may be set forth in theapplicable Work Order. Each Work Order shall reference this Agreement and mustbe signed by both parties to be effective. All properly issued Work Orders shallbe deemed incorporated herein and subject to the provisions of this Agreement bythis reference. Supplier will have no obligation to provide any SupplierServices to ValueLink unless and until individual Work Orders are properlyissued in accordance with this Section 3. In the event of any conflict betweenthe provisions of this Agreement and the provisions of any Work Order, theprovisions contained in the Work Order shall govern and control as to thatparticular Work Order. 

4. **CHANGES IN SCOPE.**

a. **Change Request.** During the continuance of a Projectand related Work Order(s), if a party wishes to alter, modify, expand, or changethe scope of the Project ("Change"), the parties shall comply with theprocedures set forth in this Section 4. The Designated Representative of a partymay request a Change by submitting to the other party or its DesignatedRepresentative a change request (the "Project Change Request") containingreasonable details of the requested Change. No Change shall be consideredauthorized unless the parties have executed and delivered a written amendment,modification or supplement to the applicable Work Order ("Change Order"), andthe terms of such amended Work Order (i.e., Change Order) shall control over anyinconsistent or contrary provisions in either the Work Order (as it existedimmediately prior to such amendment) or this Agreement. A Change Order shall beconsidered part of the relevant Work Order. 

b. **Change Request Response.** Upon receipt of a ProjectChange Request, the receiving party will notify the other party's DesignatedRepresentative as to how the Change will impact the Project, including, but notlimited to, adjustments to resources, the effect on the quality of deliverables,or changes in the schedule for delivery or completion. Unless otherwise providedin the Change Order, if a Project is on a fixed fee basis, fees for the Projectwill not be increased or decreased as a result of a Change Order. 

5. **SUPPLIER PERSONNEL.** Supplier's personnel performingSupplier Services will be of the requisite skill and experience required todeliver such services. From time-to-time, ValueLink may request that any of suchpersonnel receive additional training or be reassigned if, in ValueLink'sreasonable judgment, such personnel are not considered to have the requisiteskill or traning to satisfactorily perform or deliver the Supplier Services.

6. **FEES; TAXES.** ValueLink will pay Supplier the feesspecified in the fee schedule  attached hereto as Exhibit C (the "FeeSchedule") for Supplier Services supplied by Supplier pursuant to a Work Order issued hereunder,unless different or additional fees are agreed to by the parties in the WorkOrder. Such fees shall not be increased without ValueLink's prior writtenconsent. Supplier agrees that the pricing offered to ValueLink for all SupplierServices shall, at all times during the Term, be no higher than pricing offeredby Supplier to any other customer which purchases comparable services incomparable transaction volumes. The fees set forth in the Fee Schedule includetaxes. 

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7. **MANNER OF PAYMENT.** Supplier will submit an originalinvoice to ValueLink for amounts due and owing Supplier for Supplier Servicesrendered during each calendar month on a following calendar month basis. Eachinvoice shall reference this Agreement, shall set forth such fees on aProject-by-Project or ValueLink Client basis and contain such supportingdocumentation as ValueLink reasonably requires. ValueLink cannot authorizepayment on e mailed or faxed copies of invoices. ValueLink will pay in full eachproperly submitted invoice within thirty (30) days following ValueLink's receiptof such invoice. If a bona fide dispute exists regarding amounts due on aninvoice, ValueLink will pay the undisputed items and promptly report thedisputed items to Supplier. ValueLink shall pay the amount, if any, mutuallyagreed to be due with respect to any disputed items after resolution thereof.The parties acknowledge and agree that any preprinted terms or conditionscontained in other documents of Supplier or ValueLink, such as purchase orders,invoices, quotes, acknowledgments or confirmations, which are not expresslycontained or incorporated herein, or are contrary to the terms and conditionscontained herein or a Work Order, shall not be binding upon the parties. 

8. **SERVICE LEVEL STANDARDS.**

a. **Service Level Standards.** Supplier agrees that itwill meet or exceed the following service level standards ("Service LevelStandards") in its performance of Card Order Fulfillment Services as part of theSupplier Services hereunder: 

i. Initial Project Implementation. For each Project,Supplier shall timely and effectively implement commencement of Card OrderFulfillment Services functioning with 99% or greater accuracy upon the initialinstallation. This means creation of the agreed form of Web page insert in theValueLink Client's Web site with the following functions being available andfunctioning accurately and properly: order taking, order personalization,payment acceptance and authorization and Card transaction history. ValueLinkacknowledges that initial implementation for each ValueLink Client may involve aperiod of between two to six weeks depending on the requirements of eachparticular Project. A commencement date will be mutually agreed upon in eachWork Order. 

ii. Order Taking Availability. For each Project,Supplier shall provide Card Order Fulfillment Services through the ValueLinkClient's Internet Web site, the Call Center or both, as determined byValueLink's Client. Supplier's Web page link and shopping cart page and CallCenter shall each be functional and available to receive orders for Cards atleast 99% of the operational hours required pursuant to **Exhibit A**or theapplicable Work Order (if different). 

iii. Call Center Operations. The Call Center will meetthe following standards at least 99% of the time it is available to acceptorders for Cards: 

| **Criterion  **
**Standard**
Incoming Call Response Time  		
 90% within 20 seconds		
Average Answer Speed  		
 20 seconds 
Abandon Rate   
 Not greater than 2% of		total calls 
iv. Order Fulfillment. Supplier will accurately andcorrectly fulfill at least 99% of all orders for Cards received during abusiness day by no later than the end of the following business day. Thisincludes (a) selection of the correct Card, the Card carrier and any agreed uponCollateral (as used herein "Collateral" means any promotional materials theValueLink Client requests be included with the Card and Card carrier), (b)loading and activation of the Card for the correct amount, (c) error-freepersonalization, (d) preparing the Card for shipment (including use of thecorrect address of the Designated Recipient) and (e) delivery of the shipment tothe correct courier in accordance with the instructions of the Card purchaser.This also may include correct implementation of custom packaging and imagingservices if set forth in the applicable Work Order. Supplier shall ensure it hasan adequate supply of Cards, Card carriers and Collateral to fulfill suchobligation, provided that replenishment requests to ValueLink are filled within10 days. Supplier shall ensure the safety and security of the Cards, Cardcarriers and Collateral and shall be liable for any items that become lost,stolen or missing while under Supplier's control. 

v. Card Activation. Supplier will send ValueLinkactivations for all Cards issued as directed by ValueLink. Activations willcontain the correct Card number and value loaded at least 99% of the time. 

vi. Reporting. Supplier shall provide a weekly reportto ValueLink that accurately and correctly sets forth Cards ordered andfulfilled for each business day for each ValueLink Client (i.e.,Project-by-Project) and contains the following detailed information: number ofCards ordered, Card numbers, value loaded (assigned to each Card numberaccount), Card order service type (i.e., Internet, Call Center or other lateadded type), with total number of Cards ordered by each service type andshipping method/courier for each Card order fulfilled. Supplier shall maintainadequate and accurate records concerning its compliance with the foregoingService Level Standards, and Supplier shall promptly notify ValueLink when anysuch standard is not met by Supplier. Parties agree that Cards ordered and Cardsactivated may show a variance in the reporting; however, Supplier agrees toreconcile and explain all such variances. [Supplier shall not be responsible fordelays or failures in telecommunications lines that are not solely the fault ofSupplier.] 

vii. On-going Support. Supplier's DesignatedRepresentative shall respond to calls from ValueLink regarding any issues orproblems with the Card Order Fulfillment Services no later than the nextbusiness day. Supplier will provide Value Link with an emergency contact numberas backup. 

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b. **Failure to Meet Service Level Standards.**

i. If Supplier fails during any calendar month to meet one ormore of the Service Level Standards, such month shall be considered a "FailedMonth." Supplier will provide to ValueLink, within fifteen (15) days followingany Failed Month, a written action plan describing in reasonable detail the rootcause for the failure, steps being taken to cure the failure in the immediate ornear immediate future, and steps being taken to prevent the recurrence of suchfailure during the remainder of the Term. 

ii. If, in any consecutive twelve (12) month period duringthe Term, there are two (2) or more Failed Months ("Termination Right Event"),ValueLink may terminate this Agreement upon not less than thirty (30) days'prior written notice, provided, however, that if ValueLink does not exercisesuch right of termination within sixty (60) days following ValueLink's receiptof Supplier's action plan for the Failed Month which causes the TerminationRight Event, then ValueLink shall be deemed to have waived such right until theoccurrence of the next subsequent Termination Right Event. 

9. **WARRANTIES.** Supplier warrants with respect to allSupplier Services provided by Supplier under this Agreement that (a) they shallbe completed by qualified personnel in a professional and workmanlike manner andin accordance with the then best current industry standards, (b) they will beand have been supplied in compliance with the requirements of all applicablefederal, state and local laws and regulations, (c) they shall conform to thespecifications of each Work Order and this Agreement and will meet or exceed theService Level Standards set forth above, and (d) all computer systems andsoftware utilized by Supplier to render Supplier Services are and shall be "Year2000 Compliant." For purposes of this Section 9, Year 2000 Compliant means: (i)all of Supplier's computer systems, software, programs, files and databases usedin connection with Supplier Services will not experience error, loss offunctionality, interruptions or abnormal operations when processing,calculating, comparing or sequencing date data before or after the calendar year2000, and (ii) such systems, software, etc. will be compatible with andinteroperable with the ValueLink Database to which any Card data is delivered orsent by Supplier; provided that, the ValueLink Database and related computersystem (including software) is itself Year 2000 Compliant. ValueLink willpromptly notify Supplier of any Supplier Services that fail to conform to therequirements of this Section 9 when and after ValueLink receives actual noticeof such fact. Supplier, at its sole cost and expense, shall undertake to remedyany defective or deficient services in a manner and in a time frame reasonablyacceptable to ValueLink. Supplier agrees to meet with ValueLink on a quarterlybasis, if so requested by ValueLink, to review Supplier's compliance with thisSection 9. Supplier understands that its failure to provide Supplier Services inaccordance with and as required by this Agreement may damage ValueLink'sbusiness reputation and relationship with ValueLink Clients that are receivingor which will receive the benefits of Supplier Services. 

10. **CANCELLATION OF WORK ORDERS**. At any time uponprior reasonable notice, ValueLink may cancel and terminate a Work Order for anyProject; provided that, Supplier will be entitled to payment in accordance withthe terms and conditions of this Agreement or such Work Order for SupplierServices already performed under such Work Order up to the effective time ofsuch termination. 

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11. **EXCLUSIVITY.** Supplier agrees that it will not,without ValueLink's prior written consent, directly or indirectly, (i) provide,sell or market any Supplier Services or stored value card Services to anyValueLink Client or (ii) provide, sell or market any Supplier Services to anybona fide prospective client of ValueLink when Supplier has provided, or was indiscussions with ValueLink to provide, Supplier Services to ValueLink withrespect to such client at any time during the preceding twelve (12) months, or(iii) provide any Supplier Services (in particular, Card Order FulfillmentServices) to any competitor of ValueLink for Stored Value Card Services (exceptSupplier's similar services provided to its own customers that conductelectronic stored value gift card programs for their own account or the accountof affiliated issuers pursuant to a written contract therefor with Supplier).Notwithstanding the foregoing, if ValueLink begins using a third party vendorother than Supplier for services similar to the Supplier Services, then Suppliermay offer Supplier Services directly to ValueLink Clients and/or competitors ofValueLink. 

12. **CONFIDENTIALITY.**

a. Supplier agrees that neither Supplier nor its officers,principals or employees shall sell, rent, exchange or otherwise disclose to anyother party, other than for purposes of its performance under this Agreement oras may be required by law: (a) Cardholder Information; (b) ValueLink Clients;(c) volumes, revenues, earnings, commission rates or payments hereunder; (d)this Agreement or the relationship between the parties; or (e) any otherconfidential information with respect to ValueLink, including, withoutlimitation, information relating to such party's business, products, services,systems, software, policies, practices, procedures, methodologies, finances,pricing, marketing plans, customers, programs, prospective and existingcontracts and other business arrangements and/or business plans and strategies.Supplier acknowledges that Cardholder Information obtained by Supplier inperformance of the Supplier Services for ValueLink is the exclusive property ofValueLink. Supplier agrees that the Cardholder Information shall be used only inthe performance of the Supplier Services, that Supplier may not use suchinformation itself, that it shall not be sold, rented, exchanged or otherwisedisclosed to any party other than ValueLink or the ValueLink Client for anypurpose whatsoever without the prior written consent of ValueLink, except as maybe required by law. All Cardholder Information shall be provided to ValueLinkupon its request, and Supplier may be entitled to a fee to format and deliverthis data. If ValueLink shall consent to any collection, use or transfer ofCardholder Information, then Supplier warrants to ValueLink that suchcollection, use and transfer shall be accomplished in full compliance with allapplicable laws and regulations governing data protection and consumer privacy.In the event that Supplier is required to provide any Cardholder Informationoutside of the ordinary course of reporting to law enforcement authorities orany other entity, Supplier will immediately notify ValueLink and, if requestedby ValueLink, will fully cooperate with any effort to obtain a protective orderor any other protective measures. 

b. ValueLink agrees that neither ValueLink nor its officers,principals or employees shall sell, rent, exchange or otherwise disclose to anyother party, other than for purposes of its performance under this Agreement oras may be required by law: (a) volumes, revenues, earnings, commission rates orpayments hereunder; (b) the specific terms of this Agreement; or (c) any otherconfidential information with respect to Supplier, including, withoutlimitation, information relating to such party's business, products, services,systems, software, policies, practices, procedures, methodologies,finances, pricing, marketing plans, customers, programs, prospective andexisting contracts and other business arrangements and/or business plans andstrategies. 

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c. Supplier and ValueLink agree that money damages may not bea sufficient remedy for breach of the obligations of confidentiality andrestrictions on use in this Section 12. Accordingly, in addition to all otherremedies that either party may have, either party will be entitled to seekspecific performance and injunctive or other equitable relief as a remedy forany breach of the obligations of confidentiality and restrictions on usecontained in this Section 12. Upon request or upon termination of thisAgreement, both parties shall destroy or return to the other party allconfidential information (irrespective of form or media) of the other party ineither party's possession or control. No disclosure by ValueLink or Supplier ofconfidential information to the other party shall constitute a grant to theother party of any interest or right whatsoever in such confidentialinformation, which shall always remain the property of the disclosing party. 

13. **TRADEMARKS.** Supplier shall not use, copy orreproduce the name, logos, trademarks, or trade names of ValueLink or any ofValueLink's Affiliates or ValueLink Clients in any publicity releases,promotional material, advertising, marketing or business generation effortswithout obtaining ValueLink's prior written consent. ValueLink, its Affiliatesor the ValueLink Client, as applicable, retains full ownership of allinformation or materials that are provided to Supplier by such person or entityfor use in performing Supplier's obligations and undertakings under thisAgreement. ValueLink, ValueLink Affiliates and ValueLink Clients shall not use,copy or reproduce the name, logo, trademarks, or trade name of Supplier in anypublicity releases, promotional material, advertising, marketing or businessgeneration efforts without obtaining Supplier's prior written consent. 

14. **INSURANCE.** During the Term, Supplier shall, at itsown cost and expense, obtain and maintain in full force and effect, thefollowing insurance coverages: (a) workers' compensation and disabilityinsurance in the statutorily required amounts; (b) employer's liabilityinsurance with minimum limits of $500,000; (c) general comprehensive liabilityinsurance or suitable umbrella insurance with minimum single limit coverage of$1,000,000. Upon request, Supplier shall provide ValueLink with proof of suchcoverage, and, in the event such coverage changes in a manner that may impactthis Agreement or is canceled during the Term, Supplier shall immediately notifyValueLink. 

15. **INFRINGEMENT INDEMNIFICATION.** Supplier shall (andhereby agrees to) indemnify, defend and hold harmless ValueLink, its Affiliates,and each of its or their respective officers, directors, employees, agents, andrepresentatives from and against any and all claims, losses, damages,liabilities, costs and expenses (including, without limitation, reasonableattorney's fees and costs) arising out of, connected with, or resulting in anyway from any claim or allegation that the possession, sale, distribution or useby ValueLink or any ValueLink Client of any Supplier Services (including, inparticular Card Order Fulfillment Services) infringes any patent, copyright,trademark, service mark, trade secret, or other proprietary right of any thirdparty. ValueLink will promptly notify Supplier if any such claim arises afterValueLink receives actual notice of its existence. Supplier shall have theright, at its expense, to defend, settle or otherwise dispose of such claim;provided that, no settlement of any claim admitting liability of orimposing duties of performance upon ValueLink or any ValueLink Client or theirrespective Affiliates may be effected without the prior written consent ofValueLink and/or the ValueLink Client. ValueLink will cooperate in any suchaction at Supplier's expense. If Supplier does not undertake the defense of anysuch claim within twenty (20) days after notice from ValueLink, ValueLink shallbe free to investigate, defend or otherwise incur costs in connection therewithfor the account and at the expense of Supplier in such manner as ValueLink deemsis in its best interests. If any Supplier Service provided under this Agreementbecomes, or is likely to become, the subject of such a claim, then Suppliershall, at Supplier's expense, either: (a) procure for ValueLink the right tocontinue selling, distributing or using the infringing Supplier Service ascontemplated by this Agreement, or (b) modify or replace the infringing SupplierService to eliminate the infringement while providing fully functionallyequivalent performance. If none of the foregoing remedies are commerciallypracticable, Supplier having used all reasonable efforts, then Supplier shallcease delivery of the infringing Supplier Service(s) and Supplier shall refundall amounts paid to Supplier by ValueLink in connection with such SupplierService(s) related to the infringement. Notwithstanding anything in theforegoing, Supplier shall have no obligation of indemnification for any claim tothe extent that such claim results from any of the following: (i) Supplier'scompliance with service specifications furnished by ValueLink, whichspecifications, in whole or in part, did not originate with Supplier or were notselected by Supplier and, if absent compliance with such specifications, novalid claim would exist; (ii) alteration or modification of any SupplierServices by ValueLink, if absent such alteration or modification, no valid claimwould exist, or (iii) use of any Supplier Services by ValueLink in any mannercontrary to Supplier's instructions or for which they are not designed. 

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16. **GENERAL INDEMNIFICATION.** Each party (the"Indemnifying Party") will indemnify, defend and hold harmless the other party,its Affiliates, and each of its or their respective officers, directors,employees, agents, and representatives (each an "Indemnified Party") from andagainst any claims, losses, damages, liabilities, costs and expenses (including,without limitation, reasonable attorney's fees and costs) arising out of,connected with or resulting in any way from (a) any breach by the IndemnifyingParty, its employees, agents or representatives of any representation, warranty,covenant, or provision of this Agreement (including any Work Order), and (b) thefailure of the Indemnifying Party, its employees, agents or representatives tocomply with any applicable federal, state or local law or regulation. TheIndemnified Party will promptly notify the Indemnifying Party if any such claimarises after it receives actual notice of its existence. The Indemnifying Partyshall have the right, at its expense, to defend, settle or otherwise dispose ofsuch claim; provided that, no settlement of any claim admitting liability of orimposing duties of performance upon the Indemnified Party may be effectedwithout the prior written consent of the Indemnified Party. The IndemnifiedParty will cooperate in any such action at the Indemnifying Party's expense. Ifthe Indemnifying Party does not undertake the defense of any such claim withintwenty (20) days after notice from the Indemnified Party, the Indemnified Partyshall be free to investigate, defend or otherwise incur costs in connectiontherewith for the account and at the expense of the Indemnifying Party in suchmanner as the Indemnified Party deems is in its best interests. 

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17. **LIMITATION OF LIABILITY.** NOTWITHSTANDING ANYPROVISION IN THIS AGREEMENT TO THE CONTRARY, THE CUMULATIVE LIABILITY OFVALUELINK FOR ALL LOSSES, CLAIMS, SUITS, CONTROVERSIES, DAMAGES OR LIABILITIESFOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF ACTION OR LEGALTHEORY, SHALL BE LIMITED TO THE ACTUAL DIRECT OUT OF-POCKET EXPENSES THAT AREREASONABLY INCURRED BY SUPPLIER AND, IN ANY EVENT, SHALL NOT EXCEED THE LESSEROF (I) THE TOTAL AMOUNT PAID BY VALUELINK TO SUPPLIER UNDER THIS AGREEMENTDURING THE TWELVE (12) MONTHS IMMEDIATELY PRIOR TO THE DATE OF SUCH LOSS, OR(II) $100,000, AND IN NO EVENT SHALL VALUELINK OR ANY OF ITS AFFILIATES OR ANYOF ITS OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS ORSUBCONTRACTORS BE LIABLE UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OROTHER LEGAL OR EQUITABLE THEORY FOR LOST REVENUES, LOST PROFITS, EXEMPLARY,PUNITIVE, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES, EACH OF WHICHIS HEREBY EXCLUDED BY THE AGREEMENT OF THE PARTIES, REGARDLESS OF WHETHER SUCHDAMAGES WERE FORESEEABLE OR WHETHER EITHER PARTY OR ANY ENTITY HAS BEEN ADVISEDOF THE POSSIBILITY OF SUCH DAMAGES. 

18. **TERM AND TERMINATION.** This Agreement shallcommence on the Effective Date and continue for a period of three (3) years("Initial Term"). Thereafter, this Agreement shall automatically renew forsuccessive one (1) year periods (each a "Renewal Term"), unless either partyprovides written notice of termination at least ninety (90) days prior to theexpiration any time, with or without cause, upon giving supplier at least thirty(30) days' prior written notice of termination. In the event that Supplierdefaults in the performance of any material obligation hereunder, ValueLink maysuspend its performance hereunder and give Supplier written notice of suchdefault and Supplier shall have ten (10) days following receipt of such noticein which to cure the default. If Supplier fails to cure the default within suchten (10) day period, ValueLink may immediately, upon notice, terminate thisAgreement or any Work Order and, reserving all other rights and remediesavailable to it under this Agreement or otherwise, shall be entitled to receivea refund of any amounts paid to Supplier for Supplier Services which have notbeen supplied or provided or which have been determined defective or deficientby ValueLink in the exercise of its reasonable business judgment. In addition,ValueLink may immediately, upon notice, terminate this Agreement or any WorkOrder issued hereunder if Supplier becomes insolvent or makes a generalassignment for the benefit of creditors of if any action is taken by or againstSupplier for relief under bankruptcy or insolvency laws. Upon termination ofthis Agreement or any Work Order, Supplier agrees to cooperate and work withValueLink to transition ValueLink Clients to a new Internet Card fulfillmentplatform. After termination of this Agreement or any Work Order, ValueLink'ssole obligation shall be to pay Supplier for work performed in accordance withthe terms and conditions of this Agreement up to the time of notice oftermination. Sections 9,12, 15, 16, 17 and 19 hereof shall survive anytermination of this Agreement or Work Order issued hereunder. 

19. **AUDIT.** ValueLink shall have the right uponreasonable prior written notice, at ValueLink expense (however, ValueLink shallnot be required to pay the costs or expenses associated with the time and laborexpended on the part of Supplier's employees, or other such indirect costs andexpenses, to assist with any such audit), and during regular business hours toinspect, copy, review and audit Supplier's books and records (or portionsthereof) applicable to Supplier Services, and its operating procedurespertaining to the performance of Supplier's KAG BJB obligations under thisAgreement. Supplier shall provide, upon ValueLink's request, a copy ofSupplier's outside financial audit reports as well as (when appropriate) aStatement on Auditing Standards No. 70 Report. 

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20. **INDEPENDENT CONTRACTORS.** Supplier and ValueLinkare acting as independent contractors hereunder. Neither party shall be deemedto be the agent, employee, joint venturer or partner of the other. ThisAgreement shall not be construed as authority for either party to act for theother party in any agency or other capacity, or to make commitments of any kindfor the account or on behalf of the other party. 

21. **NOTICES.** Any notice to be given under thisAgreement shall be in writing and shall be given by personal delivery, certifiedor registered mail, postage prepaid, return receipt requested, or overnightcourier to the parties' respective addresses set forth below, or to anysubsequent address designated by either party for the purpose of receivingnotices pursuant to this Agreement. All such notices shall be effective upon (a)actual receipt thereof by the party to be notified, or (b) actual deliverythereof to the appropriate address in accordance with this Section 21. 

To ValueLink:  		
IFS Card		Solutions, Inc. 
  		
12500 East		Belford Avenue 
  		
Mail Stop:		M22A2 
  		
Englewood,		Colorado 80112 
  		
Attn: Vice		President and General Manager, ValueLink 
 
With a copy		to:   
 IFS		Card Solutions, Inc. 
  		
12500 East		Belford Avenue 
  		
Mail Stop:		M21A5 
  		
Englewood,		Colorado 80112 
  		
Attn: General		Counsel's Office 
 
To Supplier:  		
 NBO		Systems, Inc. 
  		
3676 W.		California Avenue, Building D 
  		
Salt Lake		City, Utah 84104 
  		
Attn:		President 
22. **ENTIRE AGREEMENT.** Each party acknowledges that ithas read this Agreement, and agrees that it understands it and agrees to bebound by its terms. This Agreement constitutes the complete and exclusivestatement of the agreement between the parties, and supersedes and merges allprior proposals and other agreements, whether oral or written, between theparties relating to the subject matter hereof. 

23. **AMENDMENT; WAIVER.** No variation, modification, oramendment of this Agreement shall be binding upon either party unless in writingexecuted by the duly authorized representatives of both parties. The waiver orfailure of a party to exercise any right provided for herein shall not be deemeda waiver of any further or future right hereunder. 

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24. **GOVERNING LAW.** This Agreement and performancehereunder shall be governed by and construed in accordance with the laws of theState of Colorado, without reference to its provisions regarding conflicts oflaws. 

25. **SEVERABILITY.** If any provision of this Agreementshall be held by final nonappealable judgment or order issued by a court ofcompetent jurisdiction to be invalid, illegal or unenforceable, the validity,legality and enforceability of the remaining provisions shall in no way beaffected or impaired thereby. 

26. **GENDER, NUMBER, HEADINGS AND INTERPRETATION.** Thesingular form of a word or term shall include the plural and vice versa. Themasculine form shall include the feminine and the neuter forms and vice versa.The headings in this Agreement are for convenience of reference only and shallnot be considered in interpreting any provision of this Agreement. No provisionof this Agreement shall be interpreted for or against a party by reason of thefact that a party or its legal counsel prepared this Agreement or any provisionor provided input to it. 

27. **ASSIGNMENT.** This Agreement is personal toSupplier, and Supplier shall not assign, delegate or subcontract its rights,duties or obligations under this Agreement to any person or entity without theexpress written consent of ValueLink (which consent shall be in the sole andabsolute discretion of ValueLink). This Agreement shall bind and benefitValueLink and its successors and assigns. 

**IN WITNESS WHEREOF**, the parties have executed anddelivered this Agreement as of the Effective Date. 

NBO SYSTEMS, INC.   
 IPS CARD SOLUTIONS, INC. 
By: Keith A. Guevara   
 By: Bruce J. Bell 
Name: Keith A. Guevara   
 Name: Bruce J. Bell 
Title: Pres./CEO   
 Title: V.P. & General Manager 
Date Signed: Oct. 31, 2002   
 Dated Signed: 11/7/02 
12

**MASTER SERVICESAGREEMENT**

**BETWEEN**

**IPS CARD SOLUTIONS,INC.**

**AND**

**NBO SYSTEMS, INC.**

 

**EXHIBIT A**

 

**SUPPLIER SERVICES**

**Card Order Fulfillment Services.** SupplierServices includes provision of the following Card Order Fulfillment Services ona Project-by-Project basis to ValueLink Clients: 

1. **Order Taking Capabilities.** Supplier will takeorders for Cards over the Internet, via telephone through its Call Center and,in the future, possibly by mail and facsimile, if this Exhibit A is modified toso provide. To effect this service over the Internet, Supplier will create andconnect a Card Internet shopping cart Web page that will be connected or droppedinto a ValueLink Client's existing Web site (Client web site must support framesor Cascading Style Sheets), which shall have the following capabilities: 

a. Card order e-commerce Web page(s). 

b. Accepts a credit/debit card through a secure link aspayment for Card(s), with the ability to send for authorization, using theapplicable, as specified in the Work Order, merchant ID number ("MID") andaccount to which the Card purchase amount and shipping and handling charges willbe credited following authorization. If the MID belongs to ValueLink's Client,Supplier shall have no responsibility or obligation for transmitting funds tothe ValueLink Client for the purchase of such client's Cards. If the MID belongsto Supplier, Supplier will be obligated to transmit net settlement funds to theValueLink Client, or to ValueLink to settle with the ValueLink Client. 

c. Provides confirmation of an accepted order to the Cardpurchaser. 

d. Accepts personalized messages, per Supplierspecifications, from the Card purchaser to accompany the Card to the DesignatedRecipient. 

e. Allows Cardholders to enter their Card account number andaccess and receive a transaction history for the Card (including its availableaccount balance), which will be connected to the ValueLink Database via a WebAPI. 

Supplier also will have the ability to take telephone ordersfor a ValueLink Client's Cards via a Supplier-managed Call Center, which has allof the foregoing capabilities, except that a Card's transaction history otherthan its current available account balance need not be made available to aCardholder by or through the Call Center and subclause a. above has noapplication to telephone orders. Standard Call Center hours of operation areMonday through Friday, 8 am to 5 pm. Mountain Time. Supplier will arrange forthe toll-free number and will provide basic WR services for when the Call Centeris closed or when all lines are unavailable; all IVR script shall KAG BJB beapproved by ValueLink prior to implementation. Supplier agrees that it iswilling to develop a means to accept Card orders via mail or facsimile ifrequested by ValueLink, but Supplier shall not be required to deliver such typeof services until this **Exhibit A**and the Fee Schedule in **Exhibit C**are modified to so provide or a Work Order therefor is agreed upon. 

13

2. **Fill Card Orders.** For issuance to a Card purchaserwhose order for Cards is received and accepted as provided above, Supplier will:

a. Safely and securely store all unissued, inactive Cards,Card carriers and Collateral until used in fulfillment of an accepted order. 

b. As accepted orders for Cards are received and fulfilled,track the Cards being fulfilled by ValueLink Client, initial load amount (i.e.,Card initial dollar value amount upon purchase) and Card number. 

c. Prepare each Card for shipping as agreed for eachValueLink Client. This may include placing personalized messages on the cardenvelope, placing Cards in customized envelopes, using carriers required by theValueLink Client or Card purchaser and sending Cards via United States mail orrecognized surface or air courier (such as Federal Express) to the DesignatedRecipient, as ordered by the Card purchaser. Supplier acknowledges and agreesthis service will be ValueLink Client specific. 

3. **Activation and Loading of Cards.** Supplier will: 

a. Cause Cards purchased pursuant to the Agreement to beactivated in accordance with the mutually agreed procedures therefor. 

b. Load purchased Cards with the dollar amount value of thepurchase by the Card purchaser. 

c. Send ValueLink an electronic file of activated Cards,including Card numbers and the corresponding initial balance amount (face value)each business day in accordance with the mutually agreed procedures. 

4. **Reporting.** In addition to sending ValueLink theabove activation file, Supplier will provide ValueLink with an electronic reportat least every week for Card orders fulfilled during the preceding one-weekreporting period, which will include the following: 

a. The manner in which the order was received (e.g.,Internet, Call Center, in bound mail or facsimile); 

b. The ValueLink Client(s) in whose name the Cards wereissued; 

c. The ValueLink Client's concept name, if applicable; 

d. Date of fulfillment; 

e. Method of delivery (e.g., United States mail, name ofcourier, etc.); and 

14

f. Card number and value loaded at the time of purchase. 

Supplier will provide to ValueLink a periodic report of theunissued cards it has in inventory for use in connection for Card OrderFulfillment Services on a Project-by-Project (i.e., ValueLink Client) basis.Such report will be provided no less than once monthly or more frequently asreasonably requested by ValueLink. If Supplier determines in its reasonablebusiness judgment that its unissued Card, Card carriers or Collateral inventoryfor a particular Project (ValueLink Client) may be insufficient to accommodateanticipated orders within 10 business days, Supplier will notify ValueLink ofthe need for an additional supply for that ValueLink Client. ValueLink orValueLink Client will supply the requested inventory within 10 business days.

5. **Imaging and Custom Packaging Services.** Supplier, ifrequested and covered by a 

a. Assist in generating a custom envelope for a ValueLinkClient covered by the Agreement, with the client's concept name and logo, forshipping the Cards and holders to Designated Recipients. Limited customizationof the envelope may be available from Supplier due to laser printerconfiguration limitations on small envelopes. 

b. Card purchasers will have the ability to type or provide ashort message (2 lines of up to 40 characters each) to the Designated Recipient.The message will be printed on the outside of the stock or custom envelope.Standard packaging configuration consists of the Card and Card Carrier in a #9envelope (may contain the custom message) and then into a #10 envelope forshipping. Other packaging may be requested on an individual program basis, andValueLink and Supplier will investigate the service and cost around suchpackaging options. 

c. ValueLink and Supplier acknowledge that all artworkrelative to a particular ValueLink Client and the appearance and design of itsenvelope(s) (including costs prior to and of production and future artworkchanges) will likely be subject to the prior final approval of the ValueLinkClient. Supplier's graphic design team will work with ValueLink's (or anyValueLink Client's) technical staff to ensure that each ValueLink Client'sunique image is maintained throughout all electronic transactions on theValueLink Client's Web site. Custom images to be printed on envelopes bySupplier may not exceed 2" x 2". Printing resolution on custom envelopes to bedetermined by Supplier. Other printing may be requested on an individual programbasis, and ValueLink and Supplier will investigate the service and cost aroundsuch printing options. 

6. **Future Features and Enhancements.** Supplier willconsider and investigate (in consultation with ValueLink) enhancements of andadditions to Card Order Fulfillment Services, with assessment and estimates ofassociated costs, as the initial Program pursuant to the Agreement rolls out,which may include barcode cards, reloading of Card accounts on-line andregistering Cardholder Information.

15

 **Conditions to Supplier Services.**

Requested services (e.g., development of enhancements) notreasonably considered part of the Supplier Services to be provided by Supplierunder the Agreement will be considered by Supplier upon receipt of a writtenrequest therefor. Supplier will assess the resource requirements it estimatesare associated with the request to meet or satisfy it. A scope of work andestimated costs (including material costs and man-hours) will be provided inresponse. The response and estimate will be submitted by Supplier for theappropriate ValueLink approval(s). An approved estimate will serve as anindication of the costs associated with the services performed outside theAgreement, and the party obligated therefor will be billed for such services inaccordance with such estimate for the actual hours worked and actual materialsused if Supplier provides an estimate based on these factors, and Supplier shallbe obligated to track and report to such party. 

16

 

**MASTER SERVICESAGREEMENT**

**BETWEEN**

**IPS CARD SOLUTIONS,INC.**

**AND**

**NBO SYSTEMS, INC.**

**EXHIBIT B**

 

 

 

 

**FORM OF WORK ORDER**

SEE ATTACHED 

17

**MASTER SERVICESAGREEMENT**

**BETWEEN**

**IPS CARD SOLUTIONS,INC.**

**AND**

**NBO SYSTEMS, INC.**

**EXHIBIT C**

 

 

 

**FEE SCHEDULE**

 

**Pricing**

Supplier will charge ValueLink directly for SupplierServices, with standard packaging, on a "**per Card fulfilled**" basis asfollows: 

**Service  **
** Level Internet**
**Call Center**
Without Fraud		Check; With ValueLink Client being the merchant of record for credit		card transactions. No credit card fraud or loss risk to Supplier.**  **
**[* * *]  **
**[* * *]**
Without Fraud		Check; With Supplier being the merchant of record for credit card		transactions. No credit card fraud or loss risk to Supplier  		
**[* * *]  **
**[* * *]**
With Fraud		Check; With Supplier being the merchant of record for credit card		transactions. Supplier and Client share losses as defined in the Work		Order   
**[* * *]  **
**[* * *]**
Supplier will charge ValueLink $**[* * *]** perminute for incoming phone calls to the Call Center when the caller's intent isnot to place an order for a Card. 

In addition, the Card purchaser shall be charged thefollowing shipping and handling fees: 

USPS (Regular		Mail, $100 Card Value or Less) ** **
** [*		* *]**
FED-EX Saver		(Card Value over $100) ** **
** [*		* *]**
FED-EX 2nd		day ** **
** [*		* *]**
FED-EX		Overnight ** **
** [*		* *]**
Supplier reserves the right to adjust shipping rates annuallybased on any cost increases from carriers. Items shipped FED-EX will be tracked,and Supplier will replace items lost in shipment via FED-EX. 

Additional costs may be required that Supplier may pass ontoValueLink. ValueLink may in turn pass these on to the applicable ValueLinkClient: 
-  Connectivity to an acquirer other than Nova Modifications to the standard Web page/shopping cart Unique fulfillment packaging (i.e. the insertion of	Collateral) Costs associated with a telephone program, such as	toll-free charges and voice message options
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-   Any other customization outside of the standard	offering Creation, packaging or shipping of Collateral materials	
**Optional Services.**
-  Email Confirmations (one upon receipt of order,	second upon shipment of Card) -- **[* * *]**. Order Confirmation via US Mail -- **[* * *]**.	
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