Exhibit 10.41

EMPLOYMENT AGREEMENT

This agreement (the "Agreement") betweenTIER TECHNOLOGIES, INC.,a California corporation (the
"Company"), andRICHARD E. KRISTENSEN(the "Employee") will be effective as of March 1, 2000. Those capitalized terms used in this Agreement and
not otherwise defined shall have the meanings given to such terms in the Agreement for Purchase of Sale and Assets ("Purchase Agreement") entered into between the Company and the SCA
Group, Inc. dated March 1, 2000.

In
consideration of the mutual benefits derived from this Agreement and of the agreements, covenants and provisions hereof, the parties hereto hereby agree as follows:

1.  EMPLOYMENT

1.1  Position.During the Term (as defined in Article 3 hereof) and subject to the terms and
conditions hereof, the Company shall (or shall cause one or more of its wholly owned subsidiaries to) employ the Employee as President, U.S. Commercial Services or in another general management
position.

1.2  Fulfillment of Duties.The Employee shall devote Employee's full time efforts to the performance of
Employee's services hereunder, except during vacation periods and periods of illness or incapacity, and shall perform Employee's services hereunder faithfully, diligently and to the best of Employee's
skill and ability.

1.3  Location.The Employee shall perform Employee's services hereunder at the Company's offices in Oak
Brook, Illinois or such other location as may be designated by Tier's CEO from time to time. The
Employee shall, however, make such business trips to other locations as may be reasonable and necessary in the performance of Employee's services hereunder.

2.  COMPENSATION AND BENEFITS

2.1  Salary.In consideration of and as compensation for the services to be performed by the Employee
hereunder, the Company and/or the SCA Group, Inc. as provided in the Purchase Agreement shall pay the Employee during the Term of this Agreement a base salary (the "Base Salary") of not less
than three hundred thousand dollars ($300,000) per year, payable semi-monthly in arrears in accordance with the Company's regular payroll practices. Any increase in Base Salary shall in no
way limit or reduce any other obligation of the Company hereunder.

2.2  Participation in Benefit Plans.During the Term of this Agreement, the Employee shall be entitled
to participate in any pension plans, profit-sharing plans and group insurance, medical, hospitalization, disability and other benefit plans of the Company presently in effect or hereafter adopted, as
such are generally applicable to key employees in the Continuing Business and to the extent Employee is eligible under the general provisions hereof.

2.3  Reimbursement of Expenses.The Company shall reimburse the Employee for all business expenses,
including, without limitation, traveling, entertainment and similar expenses, incurred by the Employee on behalf of the Company during the Term of this Agreement if such expenses are ordinary and
necessary business expenses incurred on behalf of the Company pursuant to the Company's standard expense reimbursement policy and approved by Tier's CEO. The Employee shall provide the Company with
such itemized accounts, receipts or documentation for such expenses as are required under the Company's policy regarding the reimbursement of such expenses.

2.4  Vacation and Sick Leave.Upon commencement of employment with the Company, the Employee will become
immediately vested in zero (0) vacation days of accrued vacation. In addition, the Employee will ratably accrue twenty (20) vacation days earned for the remainder of calendar 2000.

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Effective January 1, 2000, the Employee shall accrue twenty (20) days of vacation per year. For purposes of future annual vacation entitlement, the Company will allow Employee a credit
for years of service with SCA Group, Inc.

2.5  Stock Options.Upon commencement of employment and subject to approval of the Company's Board of
Directors, a separate Stock Option Agreement and the Company's Equity Incentive Plan, the Employee shall be granted an option to purchase 100,000 shares of the Company's Common Stock (the "Option").
The exercise price per share of the Option will be equal to the fair market value of the Common Stock established on the date of the grant as approved by the Company's Board of Directors within ninety
(90) days of the Closing Date. Assuming continuous employment, the shares subject to the Option will vest ratably on an annual basis over four (4) years.

3.  TERM AND TERMINATION

3.1  Term.The "Term" of employment under this Agreement means the period commencing on the effective
date hereof, provided that the transaction contemplated by the Purchase Agreement has been consummated on the Closing Date and expiring on the date immediately preceding the third anniversary of the
date hereof, subject to earlier termination pursuant to Section 3.2 hereof.

3.2  Early Termination.



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4.  CONFIDENTIALITY

4.1  Confidential Information.



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4.2 Remedies.



5.  MISCELLANEOUS

5.1  Notices.Any written notice, required or permitted under this Agreement, shall be deemed
sufficiently given if either hand delivered or by fax or overnight courier. Written notices must be delivered to the receiving party at Employee's or its address on the signature page of this
agreement. The parties may change the address at which written notices are to be received in accordance with this Section.

5.2  Prevailing party.If any litigation is commenced between the parties hereto concerning this
Agreement or their respective rights, duties and obligations thereunder, the party prevailing in that litigation shall be entitled to reasonable attorney's fees, to be fixed by the court as part of
the costs of the litigation or established in a separate action brought to recover those fees, in addition to any other relief that may be granted.

5.3  Assignment.Neither the Employee nor (except for an assuming successor) the Company may assign,
transfer or delegate Employee's or its rights or obligations hereunder, and any attempt to do so shall be void. This Agreement shall be binding upon and shall inure to the benefit of the Company and
its successors and assigns.

5.4  Entire Agreement.This Agreement contains the entire agreement of the parties hereto with respect
to the subject matter hereof, and all other prior agreements, written or oral, are hereby merged herein and are of no further force or effect. This Agreement may be modified or amended only by a

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written agreement that is signed by the Company and the Employee. No waiver of any section or provision of this Agreement shall be valid unless such waiver is in writing and signed by the party
against whom enforcement of the waiver is sought. The waiver by the Company of any section or provision of this Agreement shall not apply to any subsequent breach of this Agreement. Captions to the
various Sections of this Agreement are for the convenience of the parties only and shall not affect the meaning or interpretation of this agreement. This Agreement may be executed in several
counterparts, each of which shall be deemed an original, but together they shall constitute one and the same instrument.

5.5  Severability.The provisions of this Agreement shall be deemed severable, and if any part of any
provision is held illegal, void or invalid under applicable law, such provision may be changed to the extent reasonably necessary to make the provision, as so changed, legal valid and binding. If any
provision of this Agreement is held illegal, void or invalid in its entirety, the remaining provisions of
this Agreement shall not in any way be affected or impaired but shall remain binding in accordance with their terms.

5.6  Continuing Obligations.Article 4 of this Agreement shall continue and survive the
termination of this Agreement.

5.7  Applicable Law.This Agreement and the rights and obligations of the Company and the Employee
hereunder shall be governed by and construed and enforced under the laws of the State of Florida applicable to agreements made and to be performed entirely within said state.

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

| |  | TIER TECHNOLOGIES, INC.                               
| |  | ------------------------------------------------------
| |  | By:                                                   
| |  |                                                       
| |  | 1350 Treat Boulevard, Suite 250
Walnut Creek, CA 94596
| |  | /s/ Richard E. KristensenRICHARD E. KRISTENSEN        
| |  | [Employee's Address]                                  

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EXHIBIT A

RELEASE AND WAIVER OF CLAIMS

In consideration of the payments and other benefits set forth in Sectionof the Employment
Agreement dated            , to which this form is attached, I, RICHARD E. KRISTENSEN, hereby furnishTIER TECHNOLOGIES, INC.(the
"Company"), with the following release and waiver ("Release and Waiver").

I
hereby release, and forever discharge the Company, its officers, directors, agents, employees, stockholders, successors, assigns, affiliates, parent, subsidiaries, and benefit
plans, of and from any and all claims, liabilities, demands, causes of action, costs, expenses, attorneys' fees, damages, indemnities and obligations of every kind and nature, in law, equity, or
otherwise, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising at any time prior to and including my employment termination date with respect to any claims relating to my
employment and the termination of my employment, including but not limited to, claims pursuant to any federal, state or local law relating to employment, including, but not limited to, discrimination
claims, claims under any local statute governing discrimination, and the Federal Age Discrimination in Employment Act of 1967, as amended ("ADEA"), or claims for wrongful termination, breach of the
covenant of good faith, contract claims, tort claims, and wage or benefit claims, including but not limited to, claims for salary, bonuses, commissions, stock, stock options, vacation pay, fringe
benefits, severance pay or any form of compensation.

I
also acknowledge that I have read and understand Section 1542 of the California Civil Code which reads as follows: "A general release does not extend
to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the
debtor." I hereby expressly waive and relinquish all rights and benefits under that section and any law of any jurisdiction of similar effect with respect to any claims I may
have against the Company.

I
acknowledge that, among other rights, I am waiving and releasing any rights I may have under ADEA, that this Release and Waiver is knowing and voluntary, and that the consideration
given for this Release and Waiver is in addition to anything of value to which I was already entitled as an executive of the Company. I further acknowledge that I have been advised, as required by the
Older Workers Benefit Protection Act, that: (a) the Release and Waiver granted herein does not relate to claims which may arise after this Release and Waiver is executed; (b) I have the
right to consult with an attorney prior to executing this Release and Waiver (although I may choose voluntarily not to do so); and if I am over 40 years of age upon execution of this Release
and Waiver: (c) I have twenty-one (21) days from the date of termination of my employment with the Company in which to consider this Release and Waiver (although I may choose
voluntarily to execute this Release and Waiver earlier); (d) I have seven (7) days following the execution of this Release and Waiver to revoke my consent to this Release and Waiver; and
(e) this Release and Waiver shall not be effective until the seven (7) day revocation period has expired.

|Date: |  |  |  | By: |  | RICHARD E. KRISTENSEN
|----- |  |  |  | --- |  | ---------------------

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EXHIBIT B

PROPRIETARY INFORMATION & INVENTIONS AGREEMENT

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