<PAGE>

                       RESELLER NETWORK LICENSE ORDER FORM

<TABLE>
<S>                                                          <C>
    Alliance Member Name: Database Consultants Inc.          Technical Contact: Doug Kemezy
Alliance Member Location: 4835 LBJ Freeway                               Phone: (972) 392-0955
                          Suite 900                                        Fax: (972) 490-9439
                          Dallas, TX  75244

           Customer Name: Internet Financial Services Inc.   Technical Contact: Leon Ferguson
       Customer Location: 100 Allentown Parkway                          Phone: (972) 359-6390
                          Suite 110
                          Allen, TX 75002
</TABLE>

                           ORACLE CONTRACT INFORMATION

      Customer Agreement: Shrinkwrap
          Agreement Name: Shrinkwrap


================================================================================
This Network License Order Form and Attachment(s) ("Order Form") are placed in
accordance with the agreement specified above ("Agreement").

Customer hereby orders the Program licenses described herein for use in the
United States, unless otherwise specified.

The "Network" is defined as any number of Computers of the Designated Systems
listed in this Order Form, except for Computer-based or Processor-based licenses
or other similar licenses as specified herein.

This Order Form is subject to Oracle's approval granting Database Consultants
Inc. the one-time right to grant the license rights stated herein.
================================================================================

1. DESIGNATED SYSTEM(S)

      Make/Model: Sun Spare                                 Make/Model: Intel
Operating System: Solaris                             Operating System: Linux
           Media: CD                                             Media: CD
      Make/Model: PC Compatible                             Make/Model: Intel
Operating System: Windows NT                          Operating System: Solaris
           Media: CD                                              Media CD

<PAGE>

<TABLE>
<CAPTION>
Per User Licenses:
Description                           Quantity License Level License Type List License Fee Net License Fee
------------------------------------- -------- ------------- ------------ ---------------- ---------------
<S>                                   <C>      <C>           <C>          <C>              <C>
Oracle8i Enterprise Edition              20      Full Use     Named User    $18,700.00       $10,285.00
Application Server Enterprise Edition    20      Full Use     Named User     $2,500.00        $1,375.00
Parallel Server Option                   20      Full Use     Named User     $7,500.00        $4,125.00
Diagnostic Pack                          20      Full Use     Named User     $1,200.00          $660.00
Tuning Pack                              20      Full Use     Named User     $1,200.00          $660.00
Change Management Pack                   20      Full Use     Named User     $1,200.00          $660.00
</TABLE>

<TABLE>
<CAPTION>
Per Computer Licenses:
Description                           Quantity License Level License Type List License Fee Net License Fee
------------------------------------- -------- ------------- ------------ ---------------- ---------------
<S>                                   <C>      <C>           <C>          <C>              <C>
Oracle81 Enterprise Edition              36    Web Specific   Processor   $1,722,240.00     $947,232.00
Oracle81 Enterprise Edition              36     Hot Backup    Processor     $430,560.00     $236,808.00
Application Server Enterprise Edition     4    Web Specific   Processor      $24,960.00      $13,728.00
Parallel Server Option                   16    Web Specific   Processor     $304,640.00     $167,552.00
Parallel Server Option                   16     Hot Backup    Processor      $76,160.00      $41,888.00
Diagnostic Pack                          36    Web Specific   Processor     $109,440.00      $60,192.00
Tuning Pack                              36    Web Specific   Processor     $109,440.00      $60,192.00
Change Management Pack                   36    Web Specific   Processor     $109,440.00      $60,192.00
</TABLE>



                         Per User Net Fee:                    $17,765.00
                     Per Computer Net Fee:                 $1,587,748.00
                          Net License Fee:                 $1,605,549.00
                            Education Fee:                    $54,000.00
                     # of Education Units:                          150
Initial Year Annual Technical Support Fee:                   $338,520.00
                   Technical Support Type:                       Silver
                               Total Fees:                 $1,998,069.00

<PAGE>

B. GENERAL TERMS

1. Technical Support. Annual Technical Support services ordered by Customer will
be provided under Oracle's Technical Support Policies and pricing in effect on
the date Technical Support is ordered and shall be effective upon shipment (or
upon Order Form Effective Date for products not requiring shipment); first year
Technical Support is quoted above, if ordered. Fees for Technical Support are
due and payable annually in advance.

Customer estimates it will deploy Program licenses ordered hereunder over a
period of two (2) years. In light of this, for the fees below Customer may
receive annual Silver Technical Support for Program licenses ordered hereunder
(except for license grants modified or added hereto after the Effective Date, or
for which Technical Support is not available). Technical Support consists of
Updates for such licenses as well as support services, pursuant to the Technical
Support Policies in effect, as such licenses are deployed. Technical Support
fees shall be paid annually in advance. After the Support Years below, Customer
may obtain Technical Support under Oracle's Technical Support fees in effect at
the time of order.

     Support Year                Technical Support Fee
     ------------                ---------------------
       First Year                $338,520.00
      Second Year                $416,640.00
       Third Year                $520,800.00


2. Miscellaneous. Customer acknowledges that Oracle has delivered to the
Customer Location, for use in the U.S., 1 copy of the software media ("Master
Copy") and 1 set of Documentation (CD-ROM or bound, whichever is generally
available) for each Program currently available in production release as of the
Effective Date for use on the Designated System types. Customer shall have the
right to make up to 1 copy of the Program(s), including Documentation, for each
license of the Program(s) and the Customer shall be responsible for installation
of the software. All fees under this Order Form shall be due and payable net 30
days from date of invoice, and shall be non-cancellable and the sums paid
nonrefundable. Customer agrees to pay applicable sales/use tax, media and
shipping charges. If Customer loses or damages the media containing a Program
licensed hereunder, upon Customer's written notice Oracle will provide a
replacement copy thereof, under Oracle's then-current Technical Support
policies, for a media and shipping charge. The following shipping terms shall
apply: FOB Destination, Prepaid, and Add. These terms shall also apply to any
options exercised by Customer. Oracle may refer to Customer as a customer in
sales presentations, marketing vehicles and activities.

C. OTHER

1. Additional Designated Systems. Until two (2) years from the Effective Date,
Customer shall have the option to add one (1) additional Designated System(s)
types ("Additional Designated System(s)") to this Order Form at no charge, if:
(i) the Programs licensed herein are available in production release status on
the Additional Designated System at the time Customer elects to add the
Additional Designated System; and (ii) Customer has continuously maintained
Technical Support for such Programs.

<PAGE>

Oracle shall ship to the Customer Location a single Master Copy of the Programs
licensed herein for the Additional Designated System added. These Programs may
only be copied and installed in accordance with the terms of this Order Form;
Oracle has no further shipment obligation other than as specified above.
Programs licensed herein for use on Additional Designated System(s) may not be
currently available. Customer has not relied on potential availability in
entering into the payment obligations in this Order Form. Oracle is under no
obligation to change current availability.

2. Web Specific. "Web Specific Program(s)" shall mean Full Use Program licenses
which may only be accessed by Clients via Internet networking protocols at no
charge or fee, including, without limitation any license fees, subscriber fees,
toll fees, time-based charges or other such charges. Customer may only allow
third party web access to the Web Specific Programs for viewing, querying, or
adding data only, and provided that such use is in accordance with the other
terms of this Order Form. Web Specific Programs ordered hereunder are only for
use by an uncountable number of Customer's external internet users, and shall
not used through an intranet or for use by Customer internally. The Designated
System shall only run on one platform type.

3. Hot Backup. In consideration for the hot backup fees specified in this
Network License Order Form, with respect to each of the Program licenses ordered
under this Order Form, Customer shall have the right to install and use such
Programs on a backup computer of the same make and model as the Designated
System type for the purpose of temporary disaster recovery and testing. Customer
shall have the right to maintain a "hot" or "live" copy of the Programs on such
backup computer at all times for immediate production use only in the case of a
primary computer malfunction that renders the Programs inoperable on the
applicable Designated System type. At no time shall Customer have the right to
use the Programs on the Designated System type and the backup computer
simultaneously.

4. Additional License Increments. For two (2) years from the Effective Date,
provided Customer has continuously maintained Technical Support, Customer may
increase the quantity of each applicable License Type accessing the Programs on
this Order Form ("Additional License Increment") by paying Oracle an additional
license fee. The license fees shall be at the discounts specified below off
Oracle's applicable price list in effect as of the Effective Date.

<TABLE>
<CAPTION>
                                                                Additional         License Fee per each
Program                     License Type  License level  License Increment  Additional License Increment
-------                     ------------  -------------  -----------------  ----------------------------
<S>                         <C>           <C>            <C>                <C>
Oracle8 Enterprise Edition  Processor     Web Specific   1-15 Processors    $26,312.00
Oracle8 Enterprise Edition  Processor     Web Specific   16-30 Processors   $22,484.00
Oracle8 Enterprise Edition  Processor     Web Specific   31+ Processors     $19,136.00

Application Server EE       Processor     Web Specific   1-15 Processors    $ 3,432.00
Application Server EE       Processor     Web Specific   16-30 Processors   $ 2,932.00
Application Server EE       Processor     Web Specific   31+ Processors     $ 2,496.00
</TABLE>


<PAGE>

<TABLE>
<S>                         <C>           <C>            <C>                <C>
Parallel Server Option      Processor     Web Specific   1-15 Processors    $10,472.00
Parallel Server Option      Processor     Web Specific   16-30 Processors   $ 8,948.00
Parallel Server Option      Processor     Web Specific   31+ Processors     $ 7,616.00

Diagnostic Pack             Processor     Web Specific   1-15 Processors    $ 1,672.00
Diagnostic Pack             Processor     Web Specific   16-30 Processors   $ 1,429.00
Diagnostic Pack             Processor     Web Specific   31+ Processors     $ 1,216.00

Tuning Pack                 Processor     Web Specific   1-15 Processors    $ 1,672.00
Tuning Pack                 Processor     Web Specific   16-30 Processors   $ 1,429.00
Tuning Pack                 Processor     Web Specific   31+ Processors     $ 1,216.00

Change Management Pack      Processor     Web Specific   1-15 Processors    $ 1,672.00
Change Management Pack      Processor     Web Specific   16-30 Processors   $ 1,429.00
Change Management Pack      Processor     Web Specific   31+ Processors     $ 1,216.00
</TABLE>

Each order placed for Additional License Increments must be at least $10,000 in
net license fees; applicable sales tax will be added to the fee. All applicable
fees shall be due and payable on the date that Customer notifies Oracle in
writing of its exercise of this opinion; Oracle has no shipment obligation. Upon
election, this payment obligation is non-cancellable, and the sum paid is
nonrefundable.

At the time of election, Customer must be current on its Technical Support
payments and Customer may obtain Silver Technical Support services from Oracle
for an Additional License Increment ordered pursuant to this option at Oracle's
applicable Technical Support fees specified above. During the two (2) year
period specified in this Section, Technical Support shall be provided pursuant
to Oracle's policies in effect as of the Effective Date. Thereafter, Customer
may obtain Technical Support services from Oracle under Oracle's applicable
Technical Support fees and policies in effect when such services are ordered.

5. Joint Marketing Efforts. In consideration for the license fees paid
hereunder, Oracle agrees that it shall undertake to provide some combination of
the following types of marketing opportunities to Customer:

a)       Public Relations: Jointly promote success through public relations
         activities such as press releases, press referenceability for editorial
         visits with market watchers, inclusion in corporate speeches etc.,
         subject to both Oracle and Customer jointly agreeing on target media.

b)       Marketing: Oracle at Works (success story collateral).

                  :        Video testimonial.
                  :        Possible inclusion in Oracle's applications magazine,
                           Profit magazine.



<PAGE>

                  :        Reference on Oracle web sites. We will put the Oracle
                           at Works collateral on the www.oracle.com web site.
                  :        Product demo at the Financial Services Solution
                           Centers in New York, London or Singapore.
                  :        Use of Oracle Logos (Logo of Oracle's choosing on the
                           Customer's web site, subject to Oracle approval.)

c) Conferences and Trade Shows:

                  :        Host Customer in Oracle-sponsored technology venues,
                           such as Oracle Open World, Oracle Application User
                           conference (OAUG), ISeminars, and product conferences
                           such as BAI Retail Delivery and emerging Ecommerce
                           conferences


The Alliance Member and Customer agree that the terms in this Order Form shall
not be disclosed without prior written consent of the other party. This quote is
valid through May 28, 1999 and shall become binding upon execution by the
Alliance Member and Customer.

DATABASE CONSULTANTS INC.                     INTERNET FINANCIAL SERVICES INC.

Signature: /s/ Doug Kemezy                    Signature: /s/ Leon J. Ferguson
          ------------------------                      ------------------------

Name: Doug Kemezy                             Name: Leon J. Ferguson
      ----------------------------                  ----------------------------

Title: Territory Manager                      Title: CIO
       ---------------------------                   ---------------------------

Effective Date: 5/26/99
               -------------------