**Confidential      Treatment      Requested**

**Exhibit      10.51**

**LICENSE      SCHEDULE**

| License                Schedule #: | 5                            |
|------------------------------------|------------------------------|
| Effective                Date:     | Oct.                23, 2006 |

**THIS      LICENSE SCHEDULE **
*.  *

|                                   | **LICENSOR**                                                                                                                           | **LICENSEE**                                                             |
|----------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------|
| Name:                                  | Chordiant                Software, Inc.                                                                                                | Citicorp                Credit Services, Inc. (USA)                      |
| Address:                               |   20400                Stevens Creek Blvd.  Suite                400  Cupertino,                CA 95014 | 14000                Citi Cards WayJacksonville,                FL 32258 |
| State                of Incorporation: | Delaware                                                                                                                               | Delaware                                                                 |

| **Software                (Itemize)**                                                                                                                                  | **List                Price** | **Discount                %** | **License                Fee** |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------|-------------------------------|--------------------------------|
| **Perpetual                License**                                                                                                                                   |                          |                          | **$20,000,000**                |
| Chordiant                Order Form #5 attached hereto                and       incorporated herein by                reference     |                          |                          |                           |
| Source                Code delivered pursuant to Order Form #5 does not include the third                party                source code listed on Appendix A hereto. |                          |                          |                           |

| **Third-Party                Software  (Itemize)** | **Owner**                 |
|--------------------------------------------------------------|---------------------------|
| IBM                Websphere                                 | CCSI                (USA) |
| Oracle                                                       | CCSI                (USA) |

| **Delivery                Site:**                                  | Citicorp                Credit Services, Inc. (USA)                                                                                                                                                                                                                                                                                                                                  | **Delivery                Date:**    | NA                                |
|--------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------|-----------------------------------|
|                                                               |                          14000                Citi Cards Way                         Jacksonville,                FL 32258 |                                 |                              |   |   |   |   |
| **Billing                Address**                                 | Citicorp                Credit Services, Inc. (USA)                                                                                                                                                                                                                                                                                                                                  |                                 |                              |   |
|                                                               | 14000                Citi Cards WayJacksonville,                FL 32258                                                                                                                                                                                                                                                                                                             |                                 |                              |   |
| **Installation                Fees:**                              | $                                                                                                                                                                                                                                                                                                                                                                                    | NA                                   |                              |   |   |   |
|                                                               |                                                                                                                                                                                                                                                                                                                                                                                 |                                 |                              |   |
| **Training                Fees:**                                  | $                                                                                                                                                                                                                                                                                                                                                                                    | NA                                   |                              |   |   |   |
|                                                               |                                                                                                                                                                                                                                                                                                                                                                                 |                                 |                              |   |
| **Development                Fees:**                               | $                                                                                                                                                                                                                                                                                                                                                                                    | NA                                   |                              |   |   |   |
|                                                               |                                                                                                                                                                                                                                                                                                                                                                                 |                                 |                              |   |
| **Implementation                Fees:**                            | $                                                                                                                                                                                                                                                                                                                                                                                    | NA                                   |                              |   |   |   |
|                                                               |                                                                                                                                                                                                                                                                                                                                                                                 |                                 |                              |   |
| **Maintenance                Fees:**                               | $                                                                                                                                                                                                                                                                                                                                                                                    | See                Order Schedule #5 | **Payment                Cycle**: | Annually |   |
|                                                               |                                                                                                                                                                                                                                                                                                                                                                                 |                                 |                              |
| **Maintenance                Term:**                               | See                Order Schedule #5                                                                                                                                                                                                                                                                                                                                                 |                                 |                              |   |
| **CPU                and/or number of MIPS and MIPS environment:** | Sun                Solaris                                                                                                                                                                                                                                                                                                                                                           |
|                                                               |                                                                                                                                                                                                                                                                                                                                                                                 |                                 |                              |   |   |   |   |   |   |   |   |
| **Acceptance                Test Period:**                         | NA                                                                                                                                                                                                                                                                                                                                                                                   |                                 |                              |   |   |   |
|                                                               |                                                                                                                                                                                                                                                                                                                                                                                 |                                 |                              |   |   |   |   |   |   |   |   |
| **Warranty                Period:**                                | 90                days from the date of delivery of the                Software                                                                                                                                                                                                                                                                                                      |

| **Source                Code Provided Directly to Licensee:**                                                                                                                                                 | **Yes       X** | **No** |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------|--------|
|                                                                                                                                                                                                          |                                               |   |   |
| **Deposited                with Escrow Agent:**                                                                                                                                                               | **Yes       X** | **No** |
|                                                                                                                                                                                                          |                                               |   |   |
| **Name                of Escrow Agent:  **Iron Mountain Intellectual                Property            Management,                Inc. |                                               |
|                                                                                                                                                                                                          |                                               |   |   |
| **Address                of Escrow Agent:**                                                                                                                                                                   |                                               |

| **Additional                Terms and Conditions:****1.**  In                the case of any conflict between this License Schedule and Chordiant                Order                Form #5, the terms of Chordiant Order Form #5 shall                prevail.  (See additional terms and conditions in Chordiant                Order Form #5.)**2.**  Notwithstanding                Section 7.1 of the Agreement, in addition to Delivering Licensee                the                Source Code of the Software, Licensor also shall escrow the Software                as                indicated above in accordance with Section 7.1 of the                Agreement. |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   |   |
| **Term**:  Perpetual                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |

**Specifications:**

**Allowed      Combinations**

**Acceptance      Criteria:**

**Configuration:      **

**Disaster      Recovery Plan:**

**Escrow      Agreement**

**IN      WITNESS WHEREOF**

| **Chordiant                Software, Inc.:** |                                  | **Citicorp                Credit Services, Inc. (USA):** |
|----------------------------------------------|---------------------------------------|----------------------------------------------------------|
|                                         |                                  |                                                     |   |   |
| By:                                          | /s/                Steven Springsteel |                                                     | By: | /s/                Mark D. Torkos |
|                                         |                                  |                                                     |   |   |
| Name:                                        | Steven                Springsteel     |                                                     | Name: | Mark                Torkos |
|                                         |                                  |                                                     |   |   |
| Title:                                       | President                & CEO    |                                                     | Title: | CIO |
|                                         | (type                or print)        |                                                     |   |   |

**          [              * ]           = Certain              confidential information contained in this document, marked by brackets,                        has been omitted and              filed separately with           the Securities              and Exchange Commission pursuant to rule 24b-2 of the Securities Exchange              Act of              1934, as amended.        **

----

**Confidential              Treatment Requested**

| **Chordiant                Software, Inc.:** |                            |
|----------------------------------------------|---------------------------------|
|                                         |                            |   |
| By:                                          | /s/                Peter Norman |   |
|                                         |                            |   |
| Name:                                        | Peter                Norman     |   |
|                                         |                            |   |
| Title:                                       | CFO                             |   |
|                                         | (type                or print)  |   |

**          [              * ]           = Certain              confidential information contained in this document, marked by brackets,                        has been omitted and              filed separately with           the Securities              and Exchange Commission pursuant to rule 24b-2 of the Securities Exchange              Act of              1934, as amended.        **

----

**Confidential              Treatment Requested**

**[*      7 pages of tabular text omitted]**

**          [              * ]           = Certain              confidential information contained in this document, marked by brackets,                        has been omitted and              filed separately with           the Securities              and Exchange Commission pursuant to rule 24b-2 of the Securities Exchange              Act of              1934, as amended.        **

----

**Confidential              Treatment Requested**

**Citicorp      Credit Services, Inc. (USA) (“CCSI (USA)”)**

**[**
**]**

**[**
**]**

**[      * ]**

**[      * ]**

**A:  SOFTWARE      LICENSE**

**:**

**          [              * ]           = Certain              confidential information contained in this document, marked by brackets,                        has been omitted and              filed separately with           the Securities              and Exchange Commission pursuant to rule 24b-2 of the Securities Exchange              Act of              1934, as amended.        **

----

**Confidential              Treatment Requested**

**1.      Server Environment**

| Software                Product(s)                                                                                                                                                                                                                                                                                                                                          | Qty                                                             | License                Type (i.e. Named User/Client, Server, Developer)URN’s                (no. of) |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|
| **·**  Chordiant                5 Foundation Server:Application                ComponentsBusiness                Process ServerSecurity                ServerPersistence                ServerFoundation                ServerJDBC                Connector for OracleCTI                ServerCAFÉ                ServerConnector                to MQ | CCSI                (USA) EnterpriseSource                Code* | CPU                                                                                                        |
| **·**  Chordiant                5 Development Tools:Tools                PlatformProcess                DeveloperCAFÉ                Development Environment                                                                                                                                                                                            | CCSI                (USA) Enterprise                            | Developers                                                                                                 |
| Recommendation                Advisor                                                                                                                                                                                                                                                                                                                                       | CCSI(USA)EnterpriseSource                Code*                  | A.  Concurrent                Users                                                              |
| Chordiant                5 Lead Management module                                                                                                                                                                                                                                                                                                                           | CCSI(USA)EnterpriseSource                Code*                  | Module                                                                                                     |
| Chordiant                5 Basel II                                                                                                                                                                                                                                                                                                                                         | CCSI(USA)EnterpriseSource                Code*                  | Module                                                                                                     |
| Fraud                Recoveries                                                                                                                                                                                                                                                                                                                                             | CCSI                (USA)EnterpriseSource                Code*  | Module                                                                                                     |
| Chargeback                & Disputes                                                                                                                                                                                                                                                                                                                                    | CCSI                (USA) EnterpriseSource                Code* | Module                                                                                                |
| License                Fee                                                                                                                                                                                                                                                                                                                                                  |                                                            | **[                * ]**                                                                                   |

**          [              * ]           = Certain              confidential information contained in this document, marked by brackets,                        has been omitted and              filed separately with           the Securities              and Exchange Commission pursuant to rule 24b-2 of the Securities Exchange              Act of              1934, as amended.        **

----

**Confidential              Treatment Requested**

**2.      Decision/Marketing Environment**

| **Software                Product(s)**       | **Quantity**                                                               | **License                Type (i.e. User/Client, Server, Developer), URN’s (no.                of)** |
|----------------------------------------------|----------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|
| Chordiant                Marketing Director  | CCSI                (USA)  EnterpriseSource                Code* | URN                                                                                                        |
| On-line                Marketing Director    | CCSI                (USA)  EnterpriseSource                Code* | URN                                                                                                        |
| Predictive                Analytics Director | CCSI                (USA)  EnterpriseSource                Code* | Developers                                                                                                 |
| Strategy                Director             | CCSI                (USA)  EnterpriseSource                Code* | Developers                                                                                                 |
| Real-Time                Decision Server     | CCSI                (USA) EnterpriseSource                Code*            | URN                                                                                                        |
| Database                Decision Server      | CCSI                (USA) EnterpriseSource                Code*            | URN                                                                                                        |
| Decision                Monitor              | CCSI                (USA)  EnterpriseSource                Code* | Developers                                                                                                 |
| Decision                Monitor Universe     | CCSI                (USA)EnterpriseSource                Code*             | URN                                                                                                        |
| Data                Preparation Director     | CCSI                (USA) EnterpriseSource                Code*            | Developers                                                                                                 |
| Interaction                Services          | CCSI                (USA)EnterpriseSource                Code*             | URN                                                                                                        |
| Adaptive                Decisioning Services | CCSI                (USA)EnterpriseSource                Code*             | URN                                                                                                        |
| License                Fee                   |                                                                       | **[                * ]**                                                                                   |

**          [              * ]           = Certain              confidential information contained in this document, marked by brackets,                        has been omitted and              filed separately with           the Securities              and Exchange Commission pursuant to rule 24b-2 of the Securities Exchange              Act of              1934, as amended.        **

----

**Confidential              Treatment Requested**

**3.      Reporting Environment**

| **Software                Product(s)**                                 | **Quantity**                                        | **License                Type  URN’s (no. of)** | **License                Fee** |
|------------------------------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------------------|--------------------------------|
| Chordiant                OneReporting Report Library (assets only) *** | CCSI                (USA)                Enterprise | CPU                                                             | **[**                * **]**   |
|                                                                   |                                                |                                                            |                           |
| License                Fee                                             |                                                |                                                            | **[                * ]**       |

**4.      Rules Environment**

| **Software                Product(s)** | **Quantity**                                        | **License                Type (i.e. User/Client, Server, Developer), URN’s (no.                of)** | **License                Fee** |
|----------------------------------------|-----------------------------------------------------|------------------------------------------------------------------------------------------------------------|--------------------------------|
| Rules                Server            | CCSI                (USA)                Enterprise | CPU                                                                                                        | **[**                * **]**   |
| Rules                Designer          | **[**                * **]**                        | Developers                                                                                                 | **[**                * **]**   |
|                                   |                                                |                                                                                                       |                           |
| License                Fee             |                                                |                                                                                                       | **[                * ]**       |

**5.      Desktop Environment**

| **Software                Product(s)**                         | **Quantity**                    | **License                Type (i.e. User/Client, Server, Developer), URN’s (no.                of)** | **License                Fee** |
|----------------------------------------------------------------|---------------------------------|------------------------------------------------------------------------------------------------------------|--------------------------------|
| Chordiant                5 Call Center Advisor Browser Edition | 1000Source                Code* | Concurrent                Users                                                                            | **[**                * **]**   |
| Chordiant                5 Teller                         | 100SourceCode*                  | Concurrent                Users                                                                            | **[**                * **]**   |
| License                Fee                                     |                            |                                                                                                       | **[                * ]**       |

**6.      Collections**

| **Software                Product(s)**      | **Quantity**                                                                   | **License                Type (i.e. User/Client, Server, Developer), URN’s (no.                of)** | **License                Fee** |
|---------------------------------------------|--------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------|--------------------------------|
| Chordiant                Collections v1.0** | CCSI                (USA)                EnterpriseSource                Code* | CPU                                                                                                        | $1,200,000                     |
| License                Fee                  |                                                                           |                                                                                                       | **$1,200,000**                 |

**7.      Financial Environment (Retail Banking)**

| **Software                Product(s)**                                                                        | **Quantity**                                   | **License                Type (i.e. User/Client, Server, Developer), URN’s (no.                of)** | **License                Fee** |
|---------------------------------------------------------------------------------------------------------------|------------------------------------------------|------------------------------------------------------------------------------------------------------------|--------------------------------|
| Chordiant                5 Lending (to include lending and mortgage                assets/templates)***  | CCSI(USA)EnterpriseSource                Code* | Module                                                                                                     | **[**                * **]**   |
| Chordiant                5 Financial Services                                                                 | CCSI(USA)EnterpriseSource                Code* | 4                CPU                                                                                       | **[**                * **]**   |
| License                Fee                                                                                    |                                           |                                                                                                       | **[                * ]**       |

| *                Excludes source code of Third Party Software itemized on the License                Schedule No.5. |
|---------------------------------------------------------------------------------------------------------------------|

| **                Generally available (GA) delivery of the Chordiant Collections 1.0                software product with the product specifications described on Exhibit                A                hereto is anticipated to occur in the second calendar quarter of                2007. |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ***                This license is limited to the software product initially delivered                and is                not supported. |
|--------------------------------------------------------------------------------------------------------------------------------------------|

**7.  Total      License Fees (subject to Section 9.5 of the Agreement, due and payable upon      execution of the Order Form):$20,000,000**

**Additional      Licenses. **

**CCSI      (USA)’s Purchase table valid until September 2012**

| **Software                Product(s)**                         | **Quantity** | **License                Type (i.e. User/Client, Server, Developer), URN’s (no.                of)** | **License                Fee** |
|----------------------------------------------------------------|--------------|------------------------------------------------------------------------------------------------------------|--------------------------------|
| Chordiant                5 Call Center Advisor Browser Edition | 500          | Concurrent                Users                                                                            | $325,000                       |
| Chordiant                5 Teller                              | 100          | Concurrent                User                                                                             | $30,000                        |

**B:  ANNUAL      SUPPORT FEE(S) ON SOFTWARE LICENSE**

**2.  Definitions**

**3.  Reporting**

**4.  Renewal      of Support**

**C:  MISCELLANEOUS**

| 1.   | As                specified on this Order Form, Chordiant shall deliver to the CCSI                (USA)                Location, one copy of the Software media and Documentation                (electronically, or CD-ROM or bound, whichever is generally available                and                at CCSI (USA) discretion) (“Master Copy”) for each Software license                specified above for use at the Designated Center.  CCSI (USA)                shall have the right to make up to a reasonable number of copies                of the                Software, including Documentation, for each License Type of the Software,                and CCSI (USA) shall be responsible for installation of the                Software.  All fees due under this Order Form shall be due and                payable upon the dates set forth in this Order Form, and shall be                non-cancelable and the sum paid                non-refundable. |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | No                acceptance period shall apply to the Software.  The Software is                deemed accepted upon delivery. |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------|

**Chordiant      Software      Inc.                                                                                                Citicorp      Credit Services, Inc. (USA)**

*________________________________________*

**Chordiant      Software      Inc.                                                                                                **

**          [              * ]           = Certain              confidential information contained in this document, marked by brackets,                        has been omitted and              filed separately with           the Securities              and Exchange Commission pursuant to rule 24b-2 of the Securities Exchange              Act of              1934, as amended.        **

----

**Confidential              Treatment Requested**

**Exhibit      A**

**Chordiant      Collections 1.0**

**Product      Specifications**

**[      * 3 pages of text omitted ]**

**          [              * ]           = Certain              confidential information contained in this document, marked by brackets,                        has been omitted and              filed separately with           the Securities              and Exchange Commission pursuant to rule 24b-2 of the Securities Exchange              Act of              1934, as amended.        **

----