EXHIBIT 10.16

                        AGREEMENT FOR ELECTRONIC PAYMENTS

     This agreement is made 6/07/99 by and between Avert,  Inc.  ("Company") and
First State Bank of Fort  Collins,  a Colorado  corporation,  2900 South College
Avenue, Fort Collins, CO 80525 (the "Bank").

                                    Recitals

A.   The Company has  requested  that the Bank permit it to initiate  electronic
     entries  through the Bank to accounts  maintained  at the Bank and in other
     banks and Financial  Institutions by means of the Automated  Clearing House
     (the "ACH").

B.   Such entries may be Credit Entries or Debit Entries.

C.   The  Bank  is  willing  to  act  as  an  Originating  Depositary  Financial
     Institution  with respect to such entries in  accordance  with the terms of
     this Agreement and Operating Rules of the National Automated Clearing House
     Association,  as such rules now exist and as they may be amended  form time
     to time in the future (the "Rules").

                                    Agreement

     In  consideration of the mutual promises  contained in this Agreement,  and
for other  valuable  consideration,  the  receipt  and  sufficiency  of which is
acknowledged, the parties agree as follows:

1.   Definitions.  Unless otherwise  defined in this Agreement,  the capitalized
     terms shall have the meanings provided in the Rules.

2.   Compliance with the Rules.  The Company  acknowledges  receipt of a copy of
     the Rules as currently  written.  The Company will comply with and be bound
     by the Rules. Any specific  obligations of the Company under this Agreement
     in no way alter the Company's  duty to comply with the Rules.  In the event
     of any inconsistency between the terms of this Agreement and the Rules, the
     Rules shall control.

3.   Transmittal of Entries by Company/Security Procedures

     3.1  General.  The Company will  deliver  Credit  Entries or Debit  Entries
          (together with the ACH Transmittal Register attached as Schedule A) to
          the Bank in  accordance  with the format,  content and  specifications
          contained in the Rules and this Agreement.  The Company authorizes the
          Bank to transmit all Entries  received by the Bank from the Company in
          accordance with the terms of this Agreement.  The Company will deliver
          each Entry or file to the Bank by the  deadlines  set forth in the ACH
          Processing Schedule attached as Schedule B.

     3.2  Hand-Delivered  Files (Paper or Disk).  Each file of ACH  transactions
          (either on paper or disk) which is hand- delivered to the Bank will be
          accompanied  by an ACH  Transmittal  Register in the form  attached as
          Schedule  A,  signed by an  authorized  signer  for the  Company.  The
          Company  will  maintain  on  file  with  the  Bank  an ACH  Authorized
          Signature  Form  listing  the  then  current  authorized  signers  for
          Transmittal  Registers  in the form  attached  as Schedule C. The Bank
          will  anticipate  the  receipt of an ACH file from the Company on each
          scheduled  processing  date identified by the Company and agreed to by
          the  Bank.  Such  processing  dates  are  identified  on the  attached
          Schedule  F. The  Company  will  notify the Bank if a file will not be
          delivered on the scheduled  processing date. The Bank will verify that



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          the file totals agree with any Company  information.  In the event ofa
          discrepancy  in the  totals,  the Bank  will call the  Company.  In an
          authorized   representative  of  the  Company  is  not  available  for
          notification,  then the  file  will not be  processed  until  the next
          business day after an authorized  representative of the Company can be
          contacted and the discrepancy corrected.

     3.3  Personal Computer File Transmission.  To the extent the Company wishes
          to access the ACH system  directly,  the  Company  may do so using the
          procedures  required by First  National  Bank of Omaha  ("FNBO").  The
          Company  acknowledges  receiving  a copy of the FNBO  information  and
          procedures packet. The Company will provide the Bank with verification
          of the totals  contained  in the  transmission  which  includes an ACH
          Transmittal  Register in the form  attached as Schedule A signed by an
          authorized  signer for the Company.  The Company will maintain on file
          with  the  Bank an ACH  Authorized  Signature  Form  listing  the then
          current  authorized  signers  for  Transmittal  Registers  in the form
          attached as Schedule C. The Bank will  anticipate  a facsimile  in the
          form of  attached  Schedule  A from  the  Company  on  each  scheduled
          processing  date identified by the Company in writing and agreed to by
          the Bank.  The Bank  will  contact  FNBO with the file  totals on said
          Schedule A so FNBO can verify the totals it will be  receiving  in the
          transmission from the Company.  The processing dates are identified on
          the attached  Schedule F. The Company is responsible for ensuring that
          FNBO receives the  transmission  on each  processing date indicated in
          the  processing  schedule.  In the event of a discrepancy  in the file
          totals,  FNBO will  contact the Bank and the Bank will in turn contact
          the  Company by  telephone.  If an  authorized  representative  of the
          Company is not available for  notification,  then the file will not be
          processed   until  the  next   business   day   after  an   authorized
          representative  of the Company can be  contacted  and the  discrepancy
          corrected. The Company will notify the Bank if a transmission will not
          take place on the prearranged  scheduled  processing date. The Company
          is solely  responsible for the accurate  creation,  modification,  and
          deletion  of the  account  information  maintained  on  the  Company's
          personal  computer  and used for ACH  entries.  The Company  agrees to
          comply with written procedures  provided by FNBO for ACH entries.  The
          Company is solely  responsible for access by its employees to the data
          files maintained on the Company's computer. The Company is responsible
          for operator security procedures on the one personal computer licensed
          for use of any ACH-related software.

     3.4  Security  Procedures.  The Bank may rely on any written  notice or any
          other written communication believed by it in good faith to be genuine
          and  to  have  been  signed  by an  authorized  representative  of the
          Company,  and any such  communication  shall be  deemed  to have  been
          signed by such person.

4.   Bank Obligations.  In a timely manner, the Bank will process,  transmit and
     settle the Entries  received from the Company in accordance  with the Rules
     and this  Agreement.  The Bank will not  process,  transmit  or settle  any
     Entries on any Federal  Reserve  Bank  holidays  identified  on Schedule G.
     Furthermore,  the Bank will have no obligation  to transmit  Entries if the
     Company is in default under this Agreement.

5.   Consumer  Authorization  Requirements.   The  Copany  will  obtain  written
     authorization  for all  consumer  Debit  Entries  or Credit  Entries.  Such
     authorization will comply with the Rules and the ACH Operating  Guidelines.
     The Company will retain the original or microfilm or other  equivalent to a
     microfilm  record for two years after  termination  or  revocation  of such
     authorization.


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6.   Pre-Notification - WAIVED

7.   Exposure  Limits.  The Company will comply with the maximum exposure limits
     (the  maximum  file  values,   frequencies  and  item  values  for  Entries
     transmitted by the Company) as set forth on the attached Schedule D.

8.   Company Financial  Information.  As may be requested by the Bank during the
     term of this Agreement,  the Company will provide its financial information
     to the Bank in a form  satisfactory  to the Bank. As a result of the Bank's
     review of the Company's financial information, the Bank may amend the terms
     of this Agreement under Section 18 (Amendments) below.

9.   Payment

     9.1. Credit Entries. The Company will maintain on account with the Bank for
          the term of this  Agreement,  and will provide  immediately  available
          funds in such account to cover any Credit Entry it initiates not later
          than the applicable  Settlement Date. The Company  authorizes the Bank
          to debit such account on the applicable  Settlement Date in the amount
          of each Entry.  Additionally,  after the Bank  receives the  Company's
          Credit Entries, the Company authorizes the Bank to place a hold on the
          funds in the Company's account for the total amount of the Entry until
          the Bank debits such account on the  Settlement  Date.  If the Company
          does not provide sufficient available funds to cover any Credit Entry,
          the Bank may debit any other  account  maintained  by the Company with
          the Bank in order to obtain payment of any Credit Entry.

     9.2. Debit Entries. The Company will receive immediately available funds on
          the applicable Settlement Date for Debit Entries it initiates.

10.  Rejection and Return of Entries.

     10.1 By Bank.  The Bank will  reject any Entry  which does not comply  with
          this  Agreement  and the Rules.  The Bank will  notify the  Company by
          phone of any rejected Entry not later than one business day after such
          Entry was rejected.  The Bank shall not be responsible  for correcting
          Entries  which have been rejected by the Bank.  Furthermore,  the Bank
          shall have no liability  to the Company by reason of the  rejection of
          any Entry or the fact  that  notice  of  rejection  is not given at an
          earlier time than that provided for in this Agreement.

     10.2 By ACH.  If any  Entry  is  rejected  or  returned  by the ACH for any
          reason,  the Company  shall be  responsible  to correct such  Entries,
          except the Bank will correct any Entry where the ACH rejection was due
          to mishandling of such Entry by the Bank unless  insufficient  data is
          available  to the Bank to permit it to correct  such  Entry.  The Bank
          will  notify the Company by phone of the receipt of an Entry which has
          been  rejected or returned by the ACH not later than one  business day
          after the  business  day of such  receipt.  The Company  will  provide
          available  funds within one business day to indemnify  the Bank and to
          pay any  return  item fee  charged  by the Bank if any Debit  Entry is
          rejected  or  returned  after the Bank has  permitted  the  Company to
          withdraw  available  funds in the amount  thereof or if any adjustment
          memorandum that relates to any such Entry is received by the Bank.

11.  Data  Retention.  The Company  shall retain data on file adequate to permit
     correcting  of Entries for five (5)  business  days  following  the date of
     their  delivery to the Bank,  and shall  provide such data to the Bank upon
     its request.




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12.  Cancellation  or Amendment by Company.  The Company  shall have no right to
     cancel or amend any Entry after it is received  by the Bank.  However,  the
     Bank will use  reasonable  efforts  to act on a request  by the  Company to
     cancel  or amend an Entry  prior to  transmitting  it to the ACH or, in the
     case of an "on-us" Credit Entry, prior to crediting the Receiver's account.
     The Bank will have no  liability if such  cancellation  or amendment is not
     effected.

13.  Account Reconciliation. Entries transmitted by the Bank with respect to the
     Company's  account at the Bank will be reflected on the Company's  periodic
     statement  issued  by the Bank.  The  Company  agrees  to  notify  the Bank
     promptly of any discrepancy  between  Company's records and the information
     shown on any such  periodic  statement.  If the Company fails to notify the
     Bank within ninety (90) days of receipt of a periodic statement  containing
     such information,  the Company agrees that the Bank shall not be liable for
     any losses resulting from the Company's failure to give such notice or loss
     of interest with respect to an Entry shown on such periodic  statement.  If
     the Company fails to notify the Bank of any such discrepancy  within ninety
     (90) days of receipt  of such  periodic  statement,  the  Company  shall be
     precluded from asserting such discrepancy against the Bank.

14.  Warranties.  Under the Rules, the Bank makes certain warranties with regard
     to Entries it originates  for the Company.  The Company agrees that it also
     makes those same warranties to the Bank, including, but not limited to, the
     fact that each Entry is authorized, accurate and timely.

15.  Liability, Limitations on Liability, Indemnity

     15.1 Extent of Bank's  Liability.  The Bank shall be  responsible  only for
          performing the services expressly provided for in this Agreement,  and
          shall be liable only for its negligence in performing  those services.
          The Bank's  liability  for loss  shall be limited to general  monetary
          damages under this  Agreement  for the preceding  thirty (30) calendar
          days.  The Bank shall not be  responsible  for the  Company's  acts or
          omissions   (including  without   limitation  the  amount,   accuracy,
          timeliness of transmittal or due  authorization  of any Entry received
          from the  Company)  or those of any other  person,  including  without
          limitation any Federal Reserve Bank or transmission or  communications
          facility,  any Receiver or Receiving  Depository  Financial Depository
          Financial  Institution),  and none of such persons shall be deemed the
          Bank's  agent.  The Company  agress to indemnify  the Bank against any
          loss,  liability or expense  (including  attorney's fees and expenses)
          resulting from or arising out of any claim of any person that the Bank
          is  responsible  for any act or  omission  of the Company or any other
          person described in this Section 15.1.

     15.2 Consequential and Other Damages.  In no event shall the Bank be liable
          for any  consequential,  special,  punitive or indirect loss or damage
          which  the  Company  may  incur or  suffer  in  connection  with  this
          Agreement, including without limitation loss or damage from subsequent
          wrongful dishonor resulting from the Bank's acts or omissions pursuant
          to this Agreement.


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     15.3 Performance Excused.  Without limiting the generality of the foregoing
          provisions,  the Bank shall be excused from failing to act or delay in
          acting  if such  failure  or delay  is  caused  by  legal  constraint,
          interruption of transmission or  communication  facilities,  equipment
          failure,  war, emergency  conditions or other circumstances beyond the
          Bank's control. In addition, the Bank shall be excused from failing to
          transmit or delay in transmitting an Entry if such  transmittal  would
          result in the Bank having exceed any limitation upon its intra-day net
          funds  position  established  pursuant  to present  or future  Federal
          Reserve guidelines or would result in the Bank otherwise violating any
          provision of any present or future risk control program of the Federal
          Reserve  or any rule or  regulation  of any  other  U.S.  governmental
          regulatory authority.

     15.4 Indemnity.  The  Company  will  indemnify  the Bank  against any loss,
          liability or expense (including  reasonable attorney's fees) resulting
          from  or  arising  out  of (1)  any  breach  of  any of the  Company's
          warranties  contained in this Agreement and in the Rules,  and (2) any
          other breach of this  Agreement  by the Company,  except to the extent
          such  loss,   liability  or  expense   results  from  the  Bank's  own
          negligence.

16.  Bank Fees. The Company will pay to the Bank the fees listed in the attached
     Schedule E for providing the services referenced in this Agreement.

17.  Inconsistency of Name and Account Number. The Company acknowledges that, if
     any Entry describes the Received inconsistently by name and account number,
     payment of the Entry may be made on the basis of the account number even if
     it identifies a person different from the named Receiver

18.  Amendments.  From  time to time the Bank may amend any of the terms of this
     Agreement  and any  part of  attached  Schedules  A  through  G.  Any  such
     amendment shall become effective upon receipt of notice of the amendment by
     the Company or such later date as may be stated in the Bank's notice to the
     Company.

19.  Termination.  This  Agreement may be terminated on ten days' written notice
     by either party.  Any termination of this Agreement shall not effect any of
     the Company's obligations arising prior to such termination.

20.  Assignment.  The company may not assign this Agreement or any of the rights
     or duties  under this  Agreement  to any person  without  the Bank's  prior
     written consent.

21.  Binding  Effect.  This  Agreement  shall be  binding  upon and inure to the
     benefit  of  the  parties  and  their  respective  legal   representatives,
     successors and assigns.

22.  Governing Law. This Agreement  shall be interpreted in accordance  with and
     governed by Colorado law, United States law (as applicable), and the Rules.
     The Company shall comply with applicable United States law when originating
     entries under this Agreement.

23.  Entire  Agreement.  This  Agreement  (including  the  attached  Schedules),
     together with any agreement for the Company's account with the Bank, is the
     complete and exclusive statement of the agreements between the Bank and the
     Company with respect to its subject  matter,  and it  supersedes  any prior
     Agreement(s)  between the Bank and the Company with respect to such subject
     matter.  In the  event  of any  inconsistency  between  the  terms  of this
     Agreement  and any  account  agreement  with the  Bank,  the  terms of this
     Agreement  shall govern.  If the  performance of any services in accordance
     with the terms of this Agreement would result in a violation of any present
     or future law or  regulation to which the Bank is subject and which governs
     or affects  the  transactions  contemplated  by this  Agreement,  then this
     Agreement  shall be deemed  amended to the extent  necessary to comply with
     such law or  regulation,  and the Bank  shall  incur  no  liability  to the
     Company as a result of such violation or amendment.


Dated the date set forth above.

                                   COMPANY:

                                   Avert, Inc.

                                   By:  Jamie M. Burgat, VP Operations
                                        --------------------------------------

                                   BANK:

                                   First State Bank of Fort Collins,
                                   a Colorado corporation

                                   By:
                                      ------------------------------------------
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Schedule A:       ACH Transmittal Register

Schedule B:       ACH Processing Schedule

Schedule C:       ACH Authorized Signature Form

Schedule D:       ACH Exposure Limits

Schedule E:       ACH Origination Fees

Schedule F:       ACH Company Processing Dates

Schedule G:       Bank Holiday Schedule