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                                                                    EXHIBIT 10.5

                            AGREEMENT FOR INFORMATION

                              TECHNOLOGY SERVICES

                                     BETWEEN

                            COMMUNITY BANK OF NEVADA

                                       AND

                             AURUM TECHNOLOGY INC.

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                  AGREEMENT FOR INFORMATION TECHNOLOGY SERVICES

      THIS AGREEMENT ("Agreement") is between AURUM TECHNOLOGY INC. ("Aurum"), a
Delaware corporation with an address at 2701 West Plano Parkway, Suite 600,
Piano, Texas 75075, and COMMUNITY BANK OF NEVADA ("Customer"), a state chartered
bank with an address at 1400 South Rainbow Blvd., Las Vegas, NV 89102.

      WHEREAS, Customer desires to purchase information technology services from
Aurum, and;

      WHEREAS, Aurum is willing to provide such information technology services
to Customer all as set forth in this Agreement.

      NOW, THEREFORE, Customer and Aurum hereby agree as follows:

                             ARTICLE I - DEFINITIONS

1.1   Definitions. In this Agreement:

      (a)   "Account Record" is an end-customer account (including, without
            limitation, any open or closed DDA/checking account, savings
            account, certificate of deposit account, or loan account) that is
            maintained on the Aurum System during the applicable month.

      (b)   "Additional Services" are the Services described in Section 3.1(d).

      (c)   "Basic Services" are the Services listed in Schedule A.

      (d)   "Business Day" is each weekday, Monday through Friday, that is not a
            holiday of Customer.

      (e)   "Conversion Services" are the Services described in Section 3.1(c).

      (f)   "Customer Systems" are the Systems listed in Schedule D to be
            provided by Customer for use in conjunction with Aurum Systems.

      (g)   "Data Center" is the space at one or more locations where Aurum
            performs Services, excluding Customer locations.

      (h)   "Aurum Systems" are all Systems, except for Systems provided by
            Customer, used by Aurum to provide Services, including without
            limitation any improvements, modifications, or enhancements made by
            Aurum to any System and provided to Customer under this Agreement.

      (i)   "ECI" is the Employment Cost Index for Total Compensation (not
            seasonally adjusted), Private Industry Workers, White Collar
            Occupations Excluding Sales, June 1989 = 100 as published by

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            the Bureau of Labor Statistics of the U.S. Department of Labor. If
            the Bureau of Labor Statistics stops publishing the ECI, the parties
            will substitute another comparable measure published by a mutually
            agreeable source. However, if such change is merely to redefine the
            base period for the ECI from 1989 to some other period, the parties
            will continue to use the ECI but will, if necessary, convert the two
            ECI's being compared to the same basis by multiplying one of them by
            the appropriate conversion factor.

      (j)   "Effective Date" is the date that this Agreement is executed by
            Aurum pursuant to Section 9.10.

      (k)   "Equipment" is all telecommunications lines, modems, and other
            equipment, including without limitation terminals, control units,
            ports, logical units, and all related data transmission services
            required by Aurum for Customer to access the Aurum Systems, transmit
            data to Aurum, and receive reports and other output from Aurum.

      (l)   "Initial Term" is defined in Section 2.1.

      (m)   "Operational Date" is the later of (i) the Effective Date, or (ii)
            the first day of the calendar month in which any Conversion Services
            are completed and Customer has the capability to input transactions
            or data for processing by Aurum.

      (n)   "Optional Services" are the Services listed in Schedule B.

      (o)   "PC Software" means, if applicable, the PC-based software
            applications to be utilized by Customer in connection with the
            Services, as such software applications are described in Schedule A.

      (p)   "Renewal Terms" is defined in Section 2.1.

      (q)   "Service" or "Services" are all of the services to be provided by
            Aurum under this Agreement, which include the Basic Services,
            Optional Services, Conversion Services, and Additional Services.

      (r)   "System" or "Systems" are (i) computer programs, including without
            limitation software, firmware, application programs, operating
            systems, files, and utilities; (ii) supporting documentation for
            such computer programs, including without limitation input and
            output formats, program listings, narrative descriptions, operating
            instructions and procedures, user and training documentation,
            special forms, and source code; and (iii) the tangible media upon
            which such programs are recorded, including without limitation
            chips, tapes, disks, and diskettes.

      Other terms are defined elsewhere in this Agreement.

                               ARTICLE II - TERM

2.1   Term. This Agreement will begin on the Effective Date and, unless
      terminated earlier under Section 7.2, 7.3, 7.4, or 9.5, will continue for
      a period of five years from the Operational Date (the "Initial

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      Term"). Thereafter, this Agreement will automatically renew for successive
      terms of five years each (the "Renewal Terms") unless either party gives
      the other party written notice at least six months prior to the expiration
      date of the Initial Term or the Renewal Term then in effect that the
      Agreement will not be renewed beyond such term.

                      ARTICLE III - AURUM RESPONSIBILITIES

3.1   Services Provided. Aurum or its subcontractors will provide Customer with
      the following Services:

      (a)   Basic Services. Customer's requirements for Basic Services.

      (b)   Optional Services. The Optional Services that Customer requests and
            Aurum agrees to provide.

      (c)   Conversion Services. On a mutually agreeable schedule Aurum will
            provide those services and instructions ("Conversion Services")
            reasonably required for Customer to convert to and use the Aurum
            Systems. Customer will cooperate in the conversion effort and timely
            provide whatever information, data, clerical and office support,
            management decisions, approvals, and signoffs that Aurum reasonably
            requires. According to a plan to be developed by Customer and Aurum,
            Aurum will train a mutually designated group of Customer's personnel
            in the proper use of the Aurum Systems to enable such personnel to
            train Customer's user personnel in the use of the Aurum Systems.
            Customer will cooperate with Aurum in scheduling training in
            conjunction with Customer's conversion to the Aurum Systems.

      (d)   Additional Services. If Customer requests Aurum to perform any
            Service which is not a Basic Service, an Optional Service, or a
            Conversion Service, then Aurum may provide such service as an
            "Additional Service".

3.2   General Terms Relating to Services. Aurum will:

      (a)   Beginning on the Operational Date, operate the Aurum Systems at the
            Data Center, and accept data and other input from Customer. Aurum
            will make daily, monthly, and other reports and output, including
            specially requested reports, available to Customer at the Data
            Center for delivery or transmit them to Customer, subject to
            Customer's timely delivery or transmission of data and other input
            to the Data Center for processing. Aurum will provide the Services
            in accordance with the schedule provided to Customer by Aurum upon
            commencement of the Services, which may be updated by Aurum from
            time to time. Aurum will not be responsible for the loss of any
            input or output during transit.

      (b)   Provide all Equipment at Customer's expense, including related
            shipping, installation, and maintenance charges, and advise Customer
            on the compatibility of its Equipment with the Aurum Systems.
            Customer may elect, with Aurum's approval, to provide such Equipment
            at Customer's expense, subject to charges for Additional Services
            required for Aurum Systems access or configuration.

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      (c)   Provide for Customer's use one copy of Aurum's standard user
            documentation and one copy of any revisions describing the
            preparation of input for and use of output from the Aurum Systems.
            Such documentation will address the reports provided under this
            Agreement. Upon Customer's request, Aurum will provide additional
            copies of such documentation at Aurum's then standard charges.

      (d)   Correct any errors in customer files that result in errors in
            reports or other output where such errors (i) are due solely to
            either malfunctions of Aurum's equipment or the Aurum Systems or
            errors of Aurum's operators, programmers, or other personnel, and
            (ii) are called to Aurum's attention within the time frames
            specified in Section 4.3. Aurum will, to the extent reasonably
            practicable, correct any other errors as an Additional Service.

      (e)   Provide standard Aurum forms for use at the Data Center.

      (f)   Establish, modify, or substitute from time to time any Equipment,
            processing priorities, programs, or procedures used in the operation
            of the Aurum Systems or the provision of the Services that Aurum
            reasonably deems necessary, and notify Customer of any such changes
            that will affect Customer's operations.

3.3   Audits. Aurum will provide auditors and inspectors that Customer
      designates in writing with reasonable access to the Data Center for the
      limited purpose of performing audits or inspections of Customer's
      business. Aurum will provide to such auditors and inspectors reasonable
      assistance, and Customer will compensate Aurum for any Additional Services
      provided in connection with the audit or inspection. Aurum will not be
      required to provide access to data of other Aurum customers.

3.4   Regulatory Compliance. Aurum will endeavor to maintain the Aurum Systems
      so that they will not be disapproved by any federal or state regulatory
      authority with jurisdiction over Customer's business. If Customer believes
      that any modifications to the Aurum Systems are required under any laws,
      rules, or regulations, Customer will promptly so inform Aurum. Aurum will
      perform any modifications to the Aurum Systems or recommend changes to
      operating procedures of Customer that Aurum determines are necessary or
      desirable; provided, that if any such changes or modifications result in a
      significant increase in Aurum's cost of providing Services, Aurum will be
      entitled to increase the charges under this Agreement by an amount that
      reflects a pro rata allocation of Aurum's increased cost among the
      applicable Aurum customers. New or enhanced Aurum System features,
      functions, reports, or other Services that may result from such
      modifications or recommendations may be provided as an Additional Service.
      Notwithstanding the foregoing, Customer acknowledges that the Aurum
      Systems may, from time to time, consist in part of System(s) licensed by
      Aurum from third-party vendor(s) and, therefore, Aurum shall have no duty
      or responsibility to modify any such third-party System under this
      Section, except to the extent that the vendor thereof has such a duty or
      responsibility to modify such System pursuant to the applicable license
      agreement between Aurum and such vendor.

3.5   Financial Statements and EDP Audit. Upon request, Aurum will provide at no
      charge one copy of Aurum's most recent audited financial statements to
      Customer. Upon request, Aurum will also provide to Customer one copy of
      Aurum's most recent independent Data Center EDP audit at Aurum's then
      standard charge for such copy.

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3.6   PC Software. Aurum will either (i) license to Customer or (ii) arrange
      with the appropriate third party vendor for a direct license, or a
      sublicense through Aurum, to Customer of the PC Software. Customer will
      execute any such license or sublicense that may be required by such vendor
      and will be responsible for compliance with all terms and conditions
      thereof. Such license or sublicense will provide for Customer to have the
      use of the PC Software at all times during the term of this Agreement.

                     ARTICLE IV - CUSTOMER RESPONSIBILITIES

4.1   Maintenance of Equipment. Customer will maintain all Equipment owned or
      leased by Customer in good working order in accordance with manufacturer's
      specifications.

4.2   Provision of Customized Forms. Unless otherwise agreed in writing,
      Customer will provide or pay for all customized forms required by
      Customer. These forms will conform to Aurum's reasonable specifications.
      Customer will also provide all forms produced or printed at Customer's
      premises and required for the performance of Services, or will pay
      mutually agreed charges to Aurum for such forms if provided by Aurum at
      Customer's request.

4.3   Correction of Reports and Output. Customer will balance reports to verify
      master file information and will inspect and review all reports and other
      output (whether printed, microfiched or electronically transmitted)
      created from data provided by Customer to Aurum. Customer will reject all
      incorrect reports or output (i) within two Business Days after receipt of
      daily reports or output, (ii) within five Business Days after receipt of
      annual, quarterly, or monthly reports or output, and (iii) within three
      Business Days after receipt of all other reports or output.

4.4   Provision of Data. Customer will be responsible for the quality and
      accuracy of all data and other input provided to Aurum. Aurum may, at its
      option, return to Customer for correction before processing any data
      submitted by Customer which is incorrect, illegible, or not in proper
      form. If Customer does not provide its data to Aurum in accordance with
      Aurum's specified format and schedule, Aurum will use reasonable efforts
      to reschedule and process the data as promptly as possible. Related
      expenses incurred by Aurum will be charged to Customer.

4.5   Use of System, Procedures, etc. Customer will comply with all operating
      instructions for the Aurum Systems which are issued by Aurum from time to
      time. Except as otherwise provided in this Agreement, Customer will be
      responsible for the supervision, management, and control of its use of the
      Aurum Systems, including without limitation (i) implementing sufficient
      procedures to satisfy its requirements for the security and accuracy of
      the data and other input Customer provides, (ii) implementing reasonable
      procedures to verify reports and other output from Aurum within the time
      frames specified in Section 4.3, and (iii) specifying the methods of
      accrual calculation to be used by Aurum in providing the Services from the
      options available in the Aurum Systems.

4.6   Customer Systems. Customer will provide, at Customer's expense, the
      Customer Systems. Customer will be responsible for any license or
      maintenance fees related to providing the Customer Systems for use by
      Aurum in connection with the Services. Customer will, at Customer's
      expense, ensure that the

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      Customer Systems are at all times compatible with the Aurum Systems and
      Aurum will have no liability hereunder for any delay or failure to perform
      Services which arises as a result of the failure of Customer to maintain
      any Customer System so that it is compatible with the Aurum Systems.

4.7   PC Software.

      (a)   Notwithstanding Section 3.2(b), Customer will, at Customer's
            expense, provide and be responsible for all Equipment required for
            Customer to use the PC Software ("PC Software Equipment").

      (b)   Without Aurum's prior written consent, Customer will not (i) install
            any System other than the PC Software on the applicable PC Software
            Equipment; (ii) sell, assign, lease, transfer, or disclose to any
            third party the PC Software, (iii) use the PC Software for the
            commercial benefit of any third party; (iv) copy or reproduce the PC
            Software; or (v) reverse assemble, reverse compile, or otherwise
            recreate the PC Software. Customer may transfer its use of the PC
            Software to a backup or replacement system to the PC Software
            Equipment on a temporary or permanent basis provided Customer gives
            prior written notice to Aurum and discontinues use of the PC
            Software on the applicable PC Software Equipment.

                         ARTICLE V - PAYMENTS TO AURUM

5.1   Service Charges. Customer will pay Aurum for the Services as follows:

      (a)   For Basic Services, the monthly charges listed in Section 1 of
            Schedule C.

      (b)   For Conversion Services, the applicable conversion charge listed in
            Section 3 of Schedule C.

      (c)   For Optional Services, the monthly charges listed in Section 2 of
            Schedule C.

      (d)   For Additional Services, Aurum's then standard charges for such
            Services, or, if Aurum then has no standard charges for such
            Services, upon whatever other basis that the parties agree.

5.2   Additional Charges. Customer will also pay Aurum the following, if
      applicable:

      (a)   All costs incurred by Aurum (i) in mailing reports or other output
            to Customer, its customers, or third parties, and (ii) in
            transporting, shipping, or delivering reports, output, or input
            between the Data Center and Customer's locations.

      (b)   All actual, out-of-pocket costs and expenses, including, without
            limitation, travel and travel-related expenses, which are incurred
            by Aurum in providing Services when incurred at Customer's request.

      (c)   Any other charges expressly provided in this Agreement.

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      (d)   All taxes, however designated or levied, based upon any charges
            under this Agreement, or upon this Agreement or the Systems,
            Services, or materials provided hereunder, or their use, including
            without limitation state and local privilege or excise taxes based
            on gross revenue, sales and use taxes, and any taxes or amounts in
            lieu thereof paid or payable by Aurum in respect of the foregoing,
            exclusive, however, of franchise taxes and taxes based on the net
            income of Aurum.

5.3   Time of Payment. All charges under this Agreement will be due and payable
      within ten days of invoice date. Any charges not paid within thirty days
      of invoice date will bear interest until paid at a rate equal to the
      lesser of 1.5% per month or the maximum interest rate allowed by
      applicable law. Customer authorizes Aurum to collect charges for Services
      through applicable clearing house procedures.

5.4   Annual Adjustment to Charges. No more than once in any twelve month
      period, Aurum may, at its option and by giving Customer written notice,
      increase the charges for Services by a percentage not to exceed the
      percentage by which the ECI as of that time is higher than the ECI as of
      (i) for the first adjustment, the earlier of the Effective Date or the
      date of the last adjustment previously made pursuant to any immediately
      prior agreement, if any, under which Aurum provided the same or similar
      Services to Customer, and (ii) thereafter, the previous time that Aurum
      adjusted its charges to Customer pursuant to this Section. These increased
      charges will remain in effect until Aurum adjusts them again pursuant to
      this Section.

                         ARTICLE VI - SYSTEMS, DATA, AND
                                 CONFIDENTIALITY

6.1   Aurum Systems. All Aurum Systems are and will remain the exclusive
      property of Aurum or licensors of such Aurum Systems, as applicable, and,
      except as expressly provided in this Agreement, Customer shall have no
      ownership interest or other rights in any Aurum System. Customer
      acknowledges that the Aurum Systems include Aurum proprietary information
      and agrees to keep the Aurum Systems confidential at all times. Upon the
      expiration or termination of this Agreement, Customer will return all
      copies of all items relating to the Aurum Systems which are in the
      possession of Customer and certify to Aurum in writing that Customer has
      retained no material relating to the Aurum Systems.

6.2   Customer's Information. Information relating to Customer or its customers
      contained in Customer's data files is the exclusive property of Customer
      and Aurum will only be the custodian of that information. Aurum agrees to
      hold in confidence all proprietary information of Customer and its
      customers provided to Aurum in accordance with Section 6.3. However, upon
      the request of any appropriate federal or state regulatory authority with
      jurisdiction over Customer's business and after Aurum has, when reasonably
      possible, notified Customer of such request, Aurum will allow such
      authority access to all records and other information of Customer and its
      customers in the possession of Aurum and provide as an Additional Service
      any related assistance that is required. Promptly after the termination or
      expiration of this Agreement and the payment to Aurum of all sums due and
      owing, including without limitation any amounts due under Sections 7.6 or
      7.7, Aurum will, at Customer's

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      request and expense, return to Customer all of Customer's information,
      data, and files in Aurum's then standard machine-readable format and
      media.

6.3   Confidentiality. Except as otherwise provided in this Agreement, Aurum and
      Customer each agree that all information communicated to one by the other
      or the other's affiliates, whether before or after the Effective Date,
      will be received in strict confidence, will be used only for purposes of
      this Agreement, and except for the requirements of Section 6.2 will not be
      disclosed by the recipient party, its agents, subcontractors, or employees
      without the prior written consent of the other party. Each party agrees to
      take all reasonable precautions to prevent the disclosure to outside
      parties of such information, including, without limitation, the terms of
      this Agreement, except as required by legal, accounting, or regulatory
      requirements beyond the reasonable control of the recipient party. If
      Customer is required to disclose any proprietary information of Aurum in
      accordance with any such legal, accounting, or regulatory requirements,
      then Customer will promptly notify Aurum of such requirement and will
      cooperate with Aurum (at Aurum's expense) in Aurum's efforts, if any, to
      avoid or limit such disclosure (including, without limitation, obtaining
      an injunction or an appropriate redaction of the proprietary information
      in question). The provisions of this Section will survive the expiration
      or termination of this Agreement for any reason.

6.4   Safeguarding Data Integrity. Aurum will maintain internal computer data
      integrity safeguards (such as access codes and passwords) to protect
      against the accidental or unauthorized deletion or alteration of
      Customer's data in the possession of Aurum. Aurum will provide additional
      internal computer data integrity safeguards that Customer reasonably
      requests as an Additional Service. Aurum will also employ and maintain
      controlled access systems in the Data Center.

6.5   Contingency Planning. The parties' will perform the following regarding
      contingency planning:

      (a)   Aurum will develop, maintain and, as necessary in the event of a
            disaster, execute a disaster recovery plan (the "Aurum Plan") for
            the Data Center and will provide to Customer and its auditors and
            inspectors such access to the Aurum Plan as Customer may reasonably
            request from time to time. Aurum will not be required to provide
            access to information of other Aurum customers.

      (b)   Customer will develop, maintain and, as necessary in the event of a
            disaster, execute a business resumption plan (the "Customer Plan")
            for all Customer locations and the telecommunications links between
            the Customer locations and the Data Center and will provide to Aurum
            such access to the Customer Plan as Aurum may reasonably request
            from time to time.

      (c)   Aurum will provide to Customer such information as may be reasonably
            required for Customer to assure that the Customer Plan is compatible
            with the Aurum Plan.

      (d)   Each party will be responsible for the training of its own personnel
            as required in connection with all applicable contingency planning
            activities.

      (e)   Each party's contingency planning activities will comply, as
            appropriate, with such of the following regulatory policies as may
            be applicable to Customer's business, as the same may be amended or
            replaced from time to time: (i) Federal Deposit Insurance
            Corporation Bank Letter

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            BL-22-89 dated July 14, 1989; (ii) Federal Reserve System
            Supervision and Regulation Number SR-89-16 dated August 1, 1989; and
            (iii) Office of the Comptroller of the Currency Banking Circular
            Number BC177 dated July 12, 1989. If compliance with any amendments
            or replacements of the policies listed above would significantly
            increase Aurum's cost of providing Services, Aurum will be entitled
            to increase the charges under this Agreement by an amount that
            reflects a pro rata allocation of Aurum's increased cost among the
            applicable Aurum customers.

                         ARTICLE VII - TERMINATION AND
                                 RELATED MATTERS

7.1   Arbitration. Any dispute, controversy, or claim arising out of, connected
      with, or relating to this Agreement, or the breach, termination, validity,
      or enforceability of any provision of this Agreement, will be resolved by
      final and binding arbitration by a panel of three arbitrators in
      accordance with and subject to the Commercial Arbitration Rules of the
      American Arbitration Association ("AAA") then in effect. Following notice
      of a party's election to require arbitration, each party will within
      thirty days select one arbitrator, and those two arbitrators will within
      thirty days thereafter select a third arbitrator. If the two arbitrators
      are unable to agree on a third arbitrator within thirty days, the AAA will
      within thirty days thereafter select such third arbitrator. Discovery as
      permitted by the Federal Rules of Civil Procedure then in effect will be
      allowed in connection with arbitration to the extent consistent with the
      purpose of the arbitration and as allowed by the arbitrators. Judgment
      upon the award rendered in any arbitration may be entered in any court of
      competent jurisdiction, or application may be made to such court for a
      judicial acceptance of the award and an enforcement, as the law of the
      state having jurisdiction may require or allow. During any arbitration
      proceedings, Aurum will continue to provide Services, and Customer will
      continue to make payments to Aurum in accordance with this Agreement. The
      fact that arbitration is or may be allowed will not impair the exercise of
      any termination rights under this Agreement.

7.2   Termination Due to Acquisition. If fifty percent or more of the stock or
      assets of Customer are acquired by another person or entity, whether by
      merger, reorganization, sale, transfer, or other similar transaction, then
      Aurum and Customer will negotiate in good faith the terms and conditions
      upon which this Agreement may be modified to accommodate such transaction.
      If the parties are unable to agree upon such modification, either party
      upon written notice to the other may terminate this Agreement upon the
      consummation of such acquisition or on a mutually agreeable date
      thereafter.

7.3   Termination for Non-Payment. If Customer defaults in the payment of any
      charges or other amounts due under this Agreement and fails to cure such
      default within ten days after receiving written notice specifying such
      default, then Aurum may, by giving Customer at least thirty days prior
      written notice thereof, terminate this Agreement as of a date specified in
      such notice.

7.4   Termination for Cause. If either party materially defaults in its
      performance under this Agreement, except for non-payment of amounts due to
      Aurum, and fails to either substantially cure such default within ninety
      days after receiving written notice specifying the default or, for those
      defaults which cannot reasonably be cured within ninety days, promptly
      commence curing such default and thereafter proceed with all due diligence
      to substantially cure the default, then the party not in default may, by

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      giving the defaulting party at least thirty days prior written notice
      thereof, terminate this Agreement as of a date specified in such notice.

7.5   Termination for Insolvency. If either party becomes or is declared
      insolvent or bankrupt, is the subject of any proceedings relating to its
      liquidation or insolvency or for the appointment of a receiver,
      conservator, or similar officer, or makes an assignment for the benefit of
      all or substantially all of its creditors or enters into any agreement for
      the composition, extension, or readjustment of all or substantially all of
      its obligations, then the other party may, by giving prior written notice
      thereof to the non-terminating party, terminate this Agreement as of a
      date specified in such notice.

7.6   Payment Upon Termination. The parties acknowledge that upon termination of
      this Agreement for any reason, including under Section 7.2, 7.3, 7.4, or
      7.5 (but excluding by election by either party not to renew pursuant to
      Section 2.1 or termination by Customer pursuant to Section 7.4 or 9.5),
      Aurum will incur damages resulting from such termination that will be
      difficult or impossible to ascertain. Therefore, prior to such termination
      and in addition to all other amounts then due and owing to Aurum, Customer
      will pay to Aurum as reasonable liquidated damages an amount equal to the
      sum of subsections (a) and (b):

      (a)   All costs reasonably incurred by Aurum in connection with such
            termination, including without limitation telecommunication line
            disengagement expenses and costs of terminating leases on or
            shipping or storing any Equipment provided to Customer by or through
            Aurum under this Agreement, plus a twenty-five percent management
            fee on such costs, plus Aurum's charges for any Additional Services
            reasonably requested by Customer for deconversion assistance and
            Aurum's then standard charges for the resources utilized to prepare
            any test or conversion tapes (together, the "Termination Costs").
            Aurum may, at its option, invoice Customer for the lesser of (i)
            Aurum's good faith estimate of the Termination Costs, or (ii) the
            aggregate of the charges payable to Aurum pursuant to Article V for
            the two calendar months preceding the month in which notice of
            termination is given. If the actual Termination Costs are greater or
            less than the amount of Aurum's invoice that is paid by Customer
            under the immediately preceding sentence, then Customer will pay
            Aurum, or Aurum will refund to Customer, as the case may be, the
            difference between the actual Termination Costs and the amount paid.

      (b)   Fifty percent of the total compensation which would have been paid
            or reimbursed to Aurum under this Agreement during the remainder of
            its term. The amount of total compensation will be computed by
            multiplying the total number of months remaining in the Initial Term
            or the Renewal Term then in effect from the effective date of the
            termination by the average monthly charge to Customer for Services
            under this Agreement during the twelve calendar months immediately
            preceding the calendar month in which notice of termination was
            given, and multiplying that number by fifty percent. This is
            expressed mathematically as follows:

            (Number of months remaining in term) x (average monthly charge for
            Services during the twelve months preceding notice of termination) x
            0.50

            If this Agreement has been in effect less than twelve calendar
            months prior to the giving of the notice of termination, then the
            parties will compute the amount due under this subsection (b) using
            the average monthly charge for Services made during such lesser
            number of calendar

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            months. If termination of this Agreement occurs prior to the
            Operational Date, then the parties will compute the amount due under
            this subsection (b) assuming that the Operational Date had occurred
            when scheduled by Aurum and using the average monthly charges
            reasonably estimated to be paid by Customer.

      All amounts payable under this Section 7.6 will be invoiced and paid prior
      to the effective date of such termination and prior to the release of any
      test tapes or other data of Customer.

7.7   Payment Upon Nonrenewal. If Customer gives or receives notice not to renew
      this Agreement pursuant to Section 2.1, or Customer terminates this
      Agreement under Section 9.5, Customer will pay to Aurum an amount equal to
      all amounts then due and payable to Aurum, plus (a) Aurum's charges for
      any Additional Services reasonably requested by Customer for deconversion
      assistance, (b) Aurum's then standard charges for the resources utilized
      to prepare any test or conversion tapes, and (c) all other costs
      reasonably incurred by Aurum in connection with such election not to renew
      or termination that are described in Section 7.6(a) and that relate to
      obligations that Customer approved, which extend beyond the then current
      term of this Agreement or earlier termination date under Section 9.5. All
      amounts payable under this Section 7.7 will be invoiced and paid prior to
      the expiration date and prior to the release of any test tapes or other
      data of Customer.

                     ARTICLE VIII - LIABILITY AND INDEMNITY

8.1   Limitation of Liability. Section 3.2(d) sets forth Customer's exclusive
      remedies for errors in reports or other output provided by Aurum under
      this Agreement. If Aurum becomes liable to the Customer under this
      Agreement for any other reason, whether arising by negligence, willful
      misconduct or otherwise, then (a) the damages recoverable against Aurum
      for all events, acts, delays, or omissions will not exceed in the
      aggregate the compensation payable to Aurum pursuant to Section 5.1 of
      this Agreement for the lesser of the months that have elapsed since the
      Operational Date or the three months ending with the latest month in which
      occurred the events, acts, delays, or omissions for which damages are
      claimed, and (b) the measure of damages will not include any amounts for
      indirect, consequential, or punitive damages of any party, including third
      parties, or damages which could have been avoided had the output provided
      by Aurum been verified before use. Customer may not assert any cause of
      action against Aurum of which the Customer knew or should have known more
      than two years prior to such assertion. In connection with the conduct of
      any litigation with third parties relating to any liability of Aurum to
      Customer or to such third parties, Aurum will have all rights which are
      appropriate to its potential responsibilities or liabilities. Aurum will
      have the right to participate in all such litigation and to settle or
      compromise its liability to third parties.

8.2   Warranty. Aurum will provide the Services in a professional and
      workmanlike manner. EXCEPT AS EXPRESSLY PROVIDED IN THIS SECTION 8.2,
      AURUM DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, IN FACT OR BY
      OPERATION OF LAW OR OTHERWISE, CONTAINED IN OR DERIVED FROM THIS
      AGREEMENT, ANY OF THE SCHEDULES ATTACHED HERETO, ANY OTHER DOCUMENTS
      REFERENCED HEREIN, OR IN ANY OTHER MATERIALS, PRESENTATIONS OR OTHER
      DOCUMENTS OR COMMUNICATIONS WHETHER ORAL OR WRITTEN, INCLUDING

                                       11
<PAGE>

      WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
      PARTICULAR PURPOSE.

8.3   Force Majeure. Each party will be excused from performance under this
      Agreement, except for any payment obligations, for any period and to the
      extent that it is prevented from performing, in whole or in part, as a
      result of delays caused by the other party or any act of God, war, civil
      disturbance, court order, labor dispute, third party nonperformance, or
      other cause beyond its reasonable control, including failures,
      fluctuations or nonavailability of electrical power, heat, light, air
      conditioning, or telecommunications equipment. Such nonperformance will
      not be a default or a ground for termination as long as reasonable means
      are taken to expeditiously remedy the problem causing such nonperformance.

8.4   Cross Indemnity. Aurum and Customer each will indemnify, defend, and hold
      harmless the other from any and all claims, actions, damages, liabilities,
      costs, and expenses, including without limitation reasonable attorney's
      fees and expenses, arising out of (a) the death or bodily injury of any
      agent, employee, customer, or business invitee of the indemnitor, and (b)
      the damage, loss, or destruction of any property of the indemnitor.

8.5   Reliance on Instructions. Aurum is entitled to rely upon and act in
      accordance with any instructions, guidelines or information provided to
      Aurum by Customer, which are given by persons having actual or apparent
      authority to provide such instructions, guidelines, or information, and
      will incur no liability in doing so. Customer will indemnify, defend, and
      hold harmless Aurum from any and all claims, actions, damages,
      liabilities, costs, and expenses, including without limitation reasonable
      attorneys' fees and expenses, arising out of or resulting from Aurum
      acting in accordance with this Agreement.

                           ARTICLE IX - MISCELLANEOUS

9.1   Binding Nature and Assignment. This Agreement will be binding on the
      parties and their respective successors and assigns. Neither party may
      assign this Agreement unless it obtains the prior written consent of the
      other party (except that Aurum will have the right to perform the Services
      itself and through various of its indirect, wholly-owned, United
      States-based subsidiaries and to subcontract to unaffiliated third parties
      portions of the Services, so long as Aurum remains responsible for the
      obligations performed by any of its subsidiaries and subcontractors to the
      same extent as if such obligations were performed by Aurum employees),
      which consent will not be unreasonably withheld. The following
      transactions relating to either party will not require approval of the
      other party under this Section: any merger (including without limitation a
      reincorporation merger), consolidation, reorganization, stock exchange,
      sale of stock or substantially all of the assets, or other similar or
      related transaction in which such party is the surviving entity or, if
      such party is not the surviving entity, the surviving entity continues to
      conduct the business conducted by such party prior to consummation of the
      transaction.

9.2   Hiring of Employees. During the term of this Agreement and for a period of
      twelve months thereafter, neither party will, without the prior written
      consent of the other, offer employment to or

                                       12
<PAGE>

      employ any person employed then or within the preceding twelve months by
      the other party, if the person was involved in providing or receiving
      Services.

9.3   Notices. Any notice under this Agreement will be deemed to be given when
      (i) delivered by hand or when mailed by registered United States mail,
      return receipt requested, and (ii) addressed to the recipient party at its
      address set forth in the first paragraph of this Agreement and to the
      attention of its President, in the case of Customer, or to the attention
      of President of Premier Group, in the case of Aurum. Either party may from
      time to time change its address for notification purposes, by giving the
      other prior written notice of the new address and the date upon which it
      will become effective.

9.4   Relationship of Parties. Aurum, in providing Services, is acting as an
      independent contractor and does not undertake by this Agreement or
      otherwise to perform any regulatory or contractual obligation of the
      Customer. Aurum has the sole right and obligation to supervise, manage,
      contract, direct, procure, perform, or cause to be performed all work to
      be performed by Aurum under this Agreement.

9.5   Modification. Aurum may from time to time modify any of the provisions of
      this Agreement to be effective at any time on or after the expiration of
      the Initial Term by giving Customer at least six months prior written
      notice describing the modification and the date upon which it will be
      effective (the "Modification Date"). If Aurum gives Customer notice of a
      modification pursuant to this Section, Customer may, by giving Aurum
      written notice at least three months prior to the Modification Date,
      terminate this Agreement as of such Modification Date or at a specified
      later date. Unless Customer provides such notice, the modification will be
      effective for any period after the Modification Date.

9.6   Waiver. A waiver by either of the parties of any of the covenants,
      conditions, or agreements to be performed by the other or any breach
      thereof will not be construed to be a waiver of any succeeding breach or
      of any other covenant, condition, or agreement contained in this
      Agreement.

9.7   Media Releases. All media releases, public announcements, and public
      disclosures by Customer or Customer's employees or agents relating to this
      Agreement or the subject matter of this Agreement, including without
      limitation promotional or marketing material, but excluding any
      announcement intended solely for internal distribution by Customer or any
      disclosure required by legal, accounting, or regulatory requirements
      beyond the reasonable control of Customer, will be coordinated with and
      approved by Aurum prior to release.

9.8   Entire Agreement. This Agreement and all attached Schedules constitute the
      entire agreement between Aurum and Customer with respect to the subject
      matter of this Agreement. There are no understandings or agreements
      relative to this Agreement which are not fully expressed herein and no
      change, waiver, or discharge of this Agreement will be valid unless in
      writing and executed by the party against whom such change, waiver, or
      discharge is sought to be enforced. This Agreement may be amended only by
      an amendment in writing, signed by the parties.

9.9   Governing Law. This Agreement will be governed by and construed in
      accordance with the laws of the State of Texas.

                                       13
<PAGE>

9.10  Execution of Agreement. Three original copies of this Agreement will be
      executed and submitted to Aurum by Customer. This Agreement will become
      effective when Aurum executes this Agreement. Aurum will return one of the
      executed copies to Customer. By executing this Agreement, Customer
      represents and warrants that (a) this Agreement has been duly authorized;
      (b) such execution does not, and will not, cause a breach by Customer of
      any other contract, agreement, or understanding to which Customer is a
      party; and (c) this Agreement constitutes a valid, fully enforceable, and
      legally binding obligation of Customer. Customer will maintain this
      Agreement as an official record of Customer continuously from the time of
      its execution.

            IN WITNESS WHEREOF, Customer and Aurum have caused this Agreement to
be signed and delivered by its duly authorized representative.

COMMUNITY BANK OF NEVADA                      AURUM TECHNOLOGY INC.

By: /s/ Cathy Robinson                        By: /s/ Brian Van Dyk
    -------------------------------               -----------------------------
Printed                                       Printed
Name: Cathy Robinson                          Name: Brian Van Dyk
Title: Executive Vice President               Title: President, Premier Division
Date: 11/9/01                                 Date: 11/15/2001

                                       14
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

I.    Data Processing Services

      Effective on the Operational Date (as determined in accordance with the
      Agreement), Aurum shall provide the following Basic Services for Customer
      in a service bureau environment:

      (a)   Base System

            Effective on the Operational Date, the following host-based
            application processing modules (the "Base System") will be on-line
            and available for Customer access from Customer's terminals as set
            forth in this Section I. (a) and Section II. 2 of this Schedule A.

<TABLE>
<CAPTION>
                                                     Product    Product
Product Name                                         Vendor       Code     Number
------------                                         -------    -------    -------
<S>                                                  <C>        <C>        <C>
Central Information File                              ITI         CIS      101-000
Demand Deposit Accounting System                      ITI         DDA      102-000
Savings Accounting System                             ITI         SAV      103-000
Certificate of Deposit Accounting System              ITI         COD      104-000
Loan Accounting System                                ITI         LAS      105-000
General Ledger Accounting System                      ITI         FMS      151-000
Item Entry System                                     ITI         IES      106-000
Express Exception Item System                         ITI         EIM      102-103
ATM File Transfer Module                              ITI         AFT      220-000
Data Communications File Transfer Module              ITI         DFT      221-000
Online Teller Terminal Module                         ITI         TTM      107-000
TTM Interface to EZ Teller                            ITI         TTMZ     107-136
Paperless Item Module (ACH)                           ITI         PIM      380-000
Platform Transfer Module                              ITI         PTM      101-100
PTM Interactive Deposit Interface - Harland*          ITI         PMCD     101-105
PTM Batch Loan Interface - Rembrandt*                 ITI         PMCB     101-101
Fixed Assets System                                   ITI         FAS      400-000
Accounts Payable System                               ITI         APS      702-000
Automated Credit Reporting Module                     ITI         CRM      105-101
Retirement Account Reporting System                   ITI         RRM      103-101
Check Reconciliation System                           ITI         CRS      350-000
TeleBanc - Telephone Banking Module                   ITI         TBM      370-000
Bulk Filing Module                                    ITI         BFM      108-101
Security Control Module                               ITI         SCM      500-104
Signature Management Module                           ITI         SSM      107-116
Delinquent Child Support Module - All Accounts        ITI         DCSA     101-5xx
Federal Call Reporting Module                         ITI         FCR      391-001
Holding Company Module                                ITI         HCM      151-101
Stockholder Accounting Module                         ITI         SHS      310-000
Asset Liability Management System                     ITI         ALM      152-101
Premier II Graphical User Interface                   ITI
Output Management System                              Aurum
</TABLE>

*See Schedule D for full description

      (b)   On-Line Host Availability

            On-line Systems will be available for use from 7:00 a.m. until 6:30
            p.m. (Pacific Time), each Monday through Friday that is a Business
            Day. The Aurum System will be updated each Business Day.

      (c)   Extended Host Availability

            The Aurum System will also be available for use from 9:00 a.m. until
            2:00 p.m. (Pacific Time) each Saturday that is not a holiday. The
            Aurum System will not be updated on non-Business Days. Aurum may,
            with not less than two weeks prior written notice to Customer,
            conduct System maintenance, hardware

                                       A-1
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

            and/or software upgrades, and/or other System functions that may
            require that the Aurum System not be available to Customer during
            the period of Extended Host Availability.

      (d)   Holiday Schedule

            Aurum's Data Center will observe all Federal Reserve Bank holidays:
            New Year's Day, President's Day, Martin Luther King Jr. Birthday,
            Memorial Day, Independence Day, Labor Day, Veteran's Day,
            Thanksgiving Day, and Christmas Day as holidays. On-line service and
            System updates will not be available to Customer on those days,
            except as mutually agreed upon in advance and for a fee to be agreed
            upon in advance.

      (e)   Reports and Report Distribution

            Daily on-line reports available via OMS downloads at 8:00 a.m.
            (Pacific Time) on Business Days. Monthly and Quarterly on-line
            reports available via OMS downloads on the first business day
            following the first weekend after the end of the month.

            Annual on-line reports available via OMS downloads will be provided
            in the Aurum end of year package.

      (f)   Customer Service Telephone Support

            Monday - Friday Business Days     7:00a.m. - 5:00p.m.(Pacific Time)

      (g)   Relationship Manager Support

            An Aurum Relationship Manager will be available on-site at
            Customer's location upon Customer initiated request for scheduled
            meetings at a frequency of once every month. Additional Relationship
            Manager visits other than once every month may be provided as an
            Additional Service. All travel and out of pocket costs are to be
            rebilled and where applicable, will be equally divided on a pro-rata
            basis between the other Las Vegas based financial institutions
            visited on that respective trip.

      (h)   Third Party Review

            One copy per year at no charge

      (i)   Forms Printing

            Audit Confirmations
            Year-end Notices

      (j)   Data Communications Support

            Monitor data communication line between Customer and Aurum

      (k)   Data Transmission

            Magnetic Tapes - receipt and origination
            Transmissions - receipt and origination

      (l)   PC Software

<TABLE>
<CAPTION>
            Product Name                                  Vendor
            ------------                                  ------
            <S>                                           <C>
            PC-based portion of Output Management         Aurum
            System (OMS)
</TABLE>

      (m)   SMART Reports/Downloads

            Basic Services include 20 SMART reports/downloads a month. One SMART
            report/download is defined as an individual ad-hoc report or
            download that is defined on-line by Customer on the Aurum System
            from Customer's terminal. Said report/download will be processed
            during the nightly update, or following the nightly update, and be
            distributed to Customer with Customer's other reports or downloads.
            Each time said report/download is created for Customer's use shall
            constitute one (1) such report.

                                       A-2
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

II.   Item Processing Services

      All Item Processing Services shall be performed pursuant to Customer's
      reasonable specifications, subject to the capabilities of Aurum's hardware
      and software utilized to deliver said Item Processing Services.

      1.    Definitions

      The following definitions apply to the Basic Services described in this
      Schedule A and are provided as a supplement to definitions included in the
      Agreement:

            (a)   "Account" or "Account Record" is an end-customer account
                  (including, without limitation, any open or closed
                  DDA/checking account, savings account, certificate of deposit
                  account, or loan account) that is maintained on the Aurum
                  System during the applicable month.

            (b)   "Change Disposition" shall mean changes to instructions
                  regarding disposition of any Item by Customer after the 14:00
                  Return Item deadline and prior to 16:00 on any Business Day.
                  Aurum will pay or return said Item in accordance with
                  Customer's instructions.

            (c)   "Crippled Statement" shall mean an end-customer statement
                  whose number of Items to be enclosed is greater than or less
                  than the enclosure count for that statement.

            (d)   "Customer's Data Processing Services Provider" is the customer
                  itself or vendor appointed by Customer to perform Customer's
                  core data processing services.

            (e)   "Exception Item" shall mean an Item, the automated processing
                  of which is interrupted because of a condition defined by
                  Customer, such definitions which may be changed from time to
                  time.

            (f)   "Exception Item File" shall mean the file of Exception Items
                  that Customer's Data Processing Services Provider or
                  Customer's end customer creates and transmits to Aurum.

            (g)   "Full Field Encoding Item" shall mean any Item that requires a
                  field or fields to be MICR encoded other than the amount
                  field.

            (h)   "Inclearing Item" shall mean a Customer Item that Aurum
                  receives from the Federal Reserve Bank or other financial
                  institution with an incoming cash letter for the purpose of
                  performing Item Processing Services.

            (i)   "Item Image" is a digitized black and white image of the front
                  and back of each Item.

            (j)   "Item Posting File" shall mean a file that Aurum creates from
                  captured Items for transmission to Customer's Data Processing
                  Services Provider.

            (k)   "Item Processing Services" are the Services described in
                  Schedule A and are also referred to herein as "Basic
                  Services".

            (l)   "MICR" is the magnetic ink character recognition information
                  that is encoded on Items for processing.

            (m)   "MICR Rejects" shall mean Items captured during prime pass
                  that are rejected due to the inability to properly interpret
                  the MICR encoding. The inability to interpret the MICR
                  encoding may be caused by a variety of reasons, including but
                  not limited to: (a) poor MICR encoding; (b) missing MICR
                  encoding; (c) physical document damage. Aurum will
                  electronically repair the MICR Rejects.

                                      A-3
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

            (n)   "On-Us Item" shall mean an Item that is drawn on the Customer
                  or Customer's end-customer.

            (o)   "Original Item Retrieval" shall mean occasionally removing
                  Items from the check vault upon Customer's request.

            (p)   "Over-the-Counter" shall mean Items submitted by Customer
                  branch offices, departments, or Customer's end-customers for
                  the purpose of performing Item Processing Services.

            (q)   "Posting Reversals" shall mean the monetary reversal of posted
                  Items.

            (r)   "Pre-encoded Item" shall mean an Item received by Aurum that
                  has required MICR line fields encoded, which Aurum will
                  capture.

            (s)   "Return Item" shall mean an Item that Customer instructs Aurum
                  to return. Customer will provide Aurum with a reason for the
                  return of Return Items.

            (t)   "Serial Fine Sort" shall mean the sorting of check Items into
                  account and check number order.

            (u)   "Special Programming" shall mean the provision of programming
                  resources to support Customer's request for new or modified
                  products or services.

            (v)   "Statement Cycle Change" shall mean a change to the numerical
                  value of the statement cycle assigned to each Account within
                  the Customer's Deposit System.

            (w)   "Statement Cycle Date" shall mean the ending cycle date
                  printed on end-customer's Account statement.

            (x)   "Statement Rendering" shall mean the insertion of an
                  end-customer statement and required Items and inserts into an
                  envelope, sealing the envelope and affixing the appropriate
                  postage in preparation for mailing to the end-customer.

            (y)   "Transit Item" is an encoded or unencoded Item drawn on
                  another financial institution that Aurum will capture for the
                  purpose of creating an outgoing cash letter.

            (z)   "Unencoded Item" shall mean a document received by Aurum where
                  the dollar amount is not encoded.

2.    Item Processing Services

      Aurum shall provide the following Basic Services to Customer:

      (a)   INCLEARING SERVICES

            (i)   Inclearing Item Capture

                  Aurum will receive Customer's Inclearing cash letter from the
                  Federal Reserve Bank or other financial institution and
                  balance the Items to the cash letter amount. Aurum will
                  digitize and capture black and white images of the front and
                  back of each Item, endorse each item and assign a sequential
                  trace number, which becomes a part of the Inclearing
                  transaction. Items rejected from the capture will be corrected
                  and re-entered. When all Inclearing Items are captured and
                  balanced an Item Posting File containing all Inclearing Items
                  will be created for transmission and memo posting to
                  Customer's Data Processing Services Provider. When required,
                  Aurum will capture and outsort Inclearing Items creating cash
                  letters for financial institutions who are end-customers of
                  Customer or end-customers who utilize payable through draft
                  processing.

                                       A-4
<PAGE>


                                   SCHEDULE A
                                 BASIC SERVICES

            (ii)  Inclearing Item Posting File Transmission

                  Aurum will complete the transmission of an Item Posting File
                  containing all Inclearing Items to Customer's Data Processing
                  Services Provider no later than 17:30 on Monday and 18:00 on
                  Tuesday through Friday. Memo posting of Inclearings Item
                  Posting File will be completed 2 hours after receipt of
                  Inclearings Item Posting File from the Federal Reserve Bank.

            (iii) Incoming Cash Letter Balancing

                  The daily incoming cash letter will be reconciled to the
                  dollar amount charged by the Federal Reserve Bank or other
                  financial institution. All cash letter differences, missing
                  items, extra items, etc., will be reconciled and the proper
                  balancing reports and/or entries will be prepared.

                  Aurum will prepare Customer provided adjustment entries for
                  all differences greater than $2.00. The adjusting entry will
                  be image captured and inserted into the entry run.

                  For differences of $2.00 or less the adjusting debit or credit
                  entry will be processed to the Customer's designated general
                  ledger account. A Customer provided adjustment entry will not
                  be prepared for this difference. In such instances, Aurum will
                  provide source of receipt to Customer.

                  All errors detected during the incoming cash letter process
                  are to be adjusted the same Business Day. Aurum will notify
                  Customer of all same day settlement adjustments prior to 14:00
                  on the Business Day of presentment. Aurum will provide
                  Customer with copies of all adjusting entries that are
                  prepared and the supporting documentation substantiating the
                  adjustment. This documentation will be packaged and made
                  available for pickup by Customer or Customer's courier prior
                  to 15:00 the Business Day of presentment.

      (b)   EXCEPTION ITEM PROCESSING

            (i)   Exception Item File Transmission

                  By 04:30 the morning of each Tuesday, 03:30 the morning of
                  each Wednesday through Friday, 06:30 on Saturday and 05:30 on
                  Business Days following Customer holidays, the transmission of
                  Customer's complete Account Exception Item File from
                  Customer's Data Processing Services Provider to Aurum will be
                  completed.

            (ii)  Cycle Sort/Exception Item Pull

                  Aurum will make images of Exception Items available for
                  Customer review and extraction by 07:00 each day Monday
                  through Saturday and Exception Items available for pickup by
                  Customer or Customer's courier by 07:30 on Monday and
                  Wednesday through Friday, 09:30 on Tuesday and 10:30 the
                  Business Day following a holiday.

                                       A-5
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

            (iii) Outgoing Return Item Processing

                  Items designated by the Customer as Return Items will be
                  returned by Aurum to the Federal Reserve Bank the same
                  Business Day; provided Customer has met the applicable Aurum
                  Return Item deadline. Items to be returned by Aurum will be
                  marked in accordance with Federal Reserve regulations.

                  After Customer has reviewed its exception item reports and
                  made the necessary pay/no-pay decisions, Customer's Data
                  Processing Services Provider will complete transmission of a
                  file in a format mutually agreed to by the parties containing
                  all Return Item requests with reason for return by 14:00 each
                  Business Day for Items captured the previous Business Day.
                  Aurum will out sort, balance to Customer provided control
                  total and properly stamp each Item to be returned with the
                  Customer's designated reason, and prepare the Return Item cash
                  letter to be picked up by the Customer or Customer's courier
                  for delivery to the Federal Reserve Bank by 22:00 each
                  Business Day. Such Items to be returned will be contained in a
                  file transmitted by Customer's Data Processing Service
                  Provider. One cash letter copy is to be retained by Aurum and
                  one copy will be forwarded to Customer.

                  Aurum will qualify each Return Item in accordance with
                  Regulation "CC" specifications; provided that the applicable
                  Return Item deadline has been met by Customer.

            (iv)  Large Item Notification

                  Upon at least ten (10) days prior written notice from
                  Customer, Aurum will begin to notify the financial institution
                  of first deposit of all dishonored checks for $2,500.00 or
                  more, or other amount to remain in compliance with Regulation
                  CC and any other applicable federal laws and regulations. By
                  23:59 of each Business Day, Aurum will have completed
                  transmission of large item notifications for those items
                  requiring them that were presented the previous Business Day.
                  By 08:00 of the Business Day following dispatch of the return
                  item cash letter and transmission of the large item
                  notification, Aurum will make a report of all large item
                  notices processed on the previous Business Day available for
                  pickup by Customer or Customer's courier.

            (v)   Change Disposition

                  Aurum will pay or return Change Disposition Items in
                  accordance with Customer's instructions.

      (c)   OVER-THE-COUNTER ITEM PROCESSING

            (i)   Over-the-Counter Item Processing

                  Aurum will receive unencoded and pre-encoded proof work
                  processed at Customer's and Customer's end customer locations
                  in accordance with mutually agreed upon delivery time. Aurum
                  will proof each transaction and encode the dollar amount of
                  each unencoded Transit Item and Customer defined on-us Items.
                  Proof corrections detected by Aurum will be available for
                  pickup by Customer or Customer's courier by 07:00 the Business
                  Day following the day of presentment.

                  Teller balancing tapes and tapes accompanying deposits will be
                  included in the daily work sent to Aurum by Customer, and
                  Aurum will make said balancing tapes and item processing
                  Exception Items such as debits or credit Items without offsets
                  or Items from unbalanced transactions remaining at the end of
                  each Business Day's processing available for pickup by
                  Customer or Customer's courier by 07:00 the Business Day
                  following the day of presentment.

                  All Unencoded Items delivered to Aurum by the required
                  delivery deadline will be processed to meet Customer's
                  outgoing correspondent cash letter deadline; provided,
                  however, that Aurum shall have at least three (3) hours to
                  process unencoded work and three (3) hours to process
                  pre-encoded work. Aurum will make best reasonable efforts to
                  handle Customer's work received after the required deadline.

                                       A-6
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

            (ii)  Proof Corrections

            Aurum will prepare proof corrections to Customer's end-customer on
            electronic forms for reasons including but not limited to:

                  a)    Error(s) found in addition or subtraction

                  b)    Check Item was listed for the wrong amount

                  c)    Tape total was listed incorrectly

                  d)    Check Item listed was not enclosed

                  e)    Check item enclosed, not listed

                  f)    Cash not included in deposit total

                  g)    Tape total not listed in deposit

                  h)    Collections not included in deposit

                  i)    Non-Negotiable Item in deposit

                  j)    Items drawn on foreign institutions

            Aurum will prepare proof corrections to Customer's designated
            general ledger account on electronic forms for reasons including but
            not limited to:

                  a)    Cash ticket missing

                  b)    Cash ticket for wrong amount

                  c)    Wrong cash ticket used

                  d)    Currency included in work

                  e)    Cashed check Item missing

                  f)    Cashed check Item enclosed was not listed

                  g)    Cashed check Item for wrong amount

                  h)    Other miscellaneous correction

                  i)    Items drawn on foreign institutions

            Any debit or credit deposit adjustment of $2.00 or less (said dollar
            amount may reasonably be adjusted over time, based on Customer
            requirements) will be charged to a sundry general ledger account, to
            be identified by Customer using a system generated electronic entry.
            Any debit or credit deposit adjustment of more than $2.00 (said
            dollar amount may reasonably be adjusted over time, based on current
            industry standard practices) will be charged to Customer's
            end-customer or Customer's designated general ledger account using
            electronic forms. All errors detected during the Over-the-Counter
            process are to be adjusted the same day.

            Copies of adjustments will be distributed as follows:

                  - Original will be processed with the proof transactions; and

                  - Offsetting side of the entry will be sent to the Customer
                    for processing.

      (iii) Aurum Amount Recognition

            Aurum will electronically pass all captured Unencoded Items through
            Aurum amount recognition (AAR) software for the purpose of
            interpreting the courtesy amount.

      (iv)  Image Base Key Entry

            Aurum will complete the electronic dollar amount information record
            from the MICR line for those items not recognize by AAR software.

      (v)   Power Encode

            Aurum will process items through a transport that automatically
            encodes MICR data onto a percentage of the items without an operator
            keying each item.

                                       A-7
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

     (vi)   Over-the-Counter Capture

            Aurum will digitize and capture the black and white images of the
            front and back of each Over-the-Counter Item, endorse each Item and
            assign a batch and sequence number to each Item.

     (vii)  Pre-encoded Item Capture

            Aurum will digitize and capture the black and white images of the
            front and back of each Pre-encoded Item, endorse each Item and
            assign a batch and sequence number to each Item.

     (viii) Image Reject Re-entry

            Aurum will complete or correct the electronic information record
            from the MICR line.

     (ix)   Over-the-Counter Item Posting File Transmission

            Aurum will complete the transmission of an Item Posting File
            containing all Over-the-Counter Items to Customer's Data Processing
            Services Provider no later than 23:00 on Monday through Thursday,
            24:00 on Friday and 24:00 on Business Days following Customer
            holidays.

     (x)    Cash Letters

            Outgoing cash letters will be prepared in accordance with Customer's
            cash letter requirements, which may change from time to time. As an
            Additional Service, Items for cash letter endpoints greater than
            twelve (12) will be re-passed and prepared in accordance with
            Customer's cash letter requirements, which may change from time to
            time.

(d)  ITEM STORAGE, ARCHIVE AND ACCESS

     (i)    Warehousing and Bulk File

            Aurum will store Items by cycle and date according to Customer's
            statement cycle definitions in a secure environment.

     (ii)   Conventional Statement Fine Sort

            At cycle time the cycled Items scheduled for return to Customer's
            end-customer will be fine sorted by account number in preparation
            for statement rendition. Rejects from the fine sort process will be
            manually filed.

     (iii)  Daily Item Fine Sort

            On a daily basis Aurum will fine sort internal Customer documents,
            including but not limited to: loan Items, general ledger Items and
            savings Items into amount or Account number order. Daily fine sorted
            Items from the will be available for pickup by Customer or
            Customer's courier by 08:30 the Business Day following the day of
            presentment.

     (iv)   Original Item Storage

            Aurum will retain in a secure environment the Items not returned in
            Customer's end-customer statements in their original media for one
            (1) calendar month and then return the Items to the Customer or make
            the Items available for pickup by the Customer or a Customer
            designated agent.

                                       A-8
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

      (v)   Image Item Storage and Archive

            Aurum will retain the Item Images on redundant arrays of independent
            disk (RAID) storage for ninety (90) Calendar Days. Prior to the
            expiration of the ninety (90) day RAID storage period, Aurum will
            transfer the Item Images to optical disk, DVD-ROMs, CD-ROM(s) or
            comparable storage media for near-line storage in a jukebox provided
            by Customer as per Aurum specifications that will be maintained by
            Customer at Customer's expense for retention at Customer's
            location(s). Aurum will also create a duplicate copy of each optical
            disk, DVD-ROM, CD-ROM or comparable media for Customer's off-site
            storage.

      (vi)  Image Workstation Access and Retrieval

            Aurum will grant a license to Customer to use the applicable
            computer software, under which license Customer may use such
            applicable computer software to retrieve Item Images by utilizing
            Customer's equipment and telecommunications circuitry to access the
            RAID V located at the Aurum Data Center and optical disk, DVD-ROMs,
            CD-ROMs or comparable storage media located at Customer's
            location(s). Included in the Basic Services, Aurum will provide
            access to Item Images for five (5) concurrent Customer sessions with
            access software, which may be installed on up to twenty-five (25)
            Customer workstations.

(e)   STATEMENT PRINTING, RENDITION AND MAILING

      (i)   Conventional Statement Printing

            Aurum will receive one or more conventional statement print files in
            a format mutually agreed to by the parties from Customer's Data
            Processing Service Provider by 04:00 on the first Business Day
            following the Statement Cycle Date. Customer's Data Processing
            Service Provider will provide Aurum with one or more segregated
            print files for end-customer statements in a format mutually agreed
            to by the parties targeting the following segregation categories:
            (a) with Item enclosures less than fifty-four (54), (b) with Item
            enclosures fifty-four (54) or greater; (c) zero Item enclosure; and
            (d) special request statements. Aurum will print end-customer
            statements in simplex or duplex mode as is mutually agreed to by
            Customer and Aurum. The print quality will be consistent with that
            required by automated ZIP code sorting equipment and acceptable to
            Customer, Aurum and Customer's ZIP code sort vendor.

      (ii)  Conventional Statement Rendering - Automated Handling

            Aurum will match the boxes of sorted checks with the printed
            statements. Each box of checks is inspected to ensure that the first
            check's account number matches the first statement's account number
            and that the last check's account number matches the last
            statement's account number. For statements with less than fifty-four
            (54) Item enclosures, Aurum will use an insertion machine to read
            the intelligent insertion marks or bar code imprinted on the
            statement and match this count against the number of Items and
            printed pages presented. If the counts match, the machine inserts
            the Items, statement and any inserts into a Customer provided
            standard window envelope that is of a quality consistent with that
            required by automated Statement Rendering equipment and acceptable
            to Customer and Aurum, seals the envelope and applies the proper
            pre-sort first class postage so that the envelope can be released to
            the ZIP code sort vendor.

            Statements fifty-four (54) or more Items are non-machineable and are
            rendered manually by Aurum. Aurum will review fine sort reject Items
            and where possible resolve Item count discrepancies prior to
            categorizing a statement as a Crippled Statement. If any Item count
            discrepancy cannot be resolved, Aurum will follow Customer's written
            instructions for statement handling; such instructions to be
            mutually agreed to in advance for statement handling.

                                       A-9
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

      (iii) Conventional Statement Rendering - Manual Handling

            Aurum will manually render conventional statements that do not
            qualify for automated rendering due to excessive physical page count
            (greater than nine (9)) or excessive Item count (fifty-four (54) or
            more)) will count all Items and match this count against the number
            of enclosures indicated on the statement. If the count matches,
            Aurum will insert the statement, Items and any inserts into a
            Customer provided envelope that is acceptable to Customer and Aurum,
            seal the envelope, and release the envelope to the ZIP code sort
            vendor.

            Aurum will review fine sort reject Items and where possible resolve
            Item count discrepancies prior to categorizing a statement as a
            Crippled Statement. If any Item count discrepancy cannot be
            resolved, Aurum will follow Customer's written instructions for
            statement handling; such instructions to be mutually agreed to in
            advance for statement handling. Aurum will process as exceptions any
            statements that are not to be mailed to the end-customer via
            pre-sort first class mail. These exception statements will be
            identified by unique intelligent insertion marks or bar code, which
            will be mutually agreed upon by Aurum and Customer. From information
            printed on the statement or provided separately by Customer, Aurum
            will forward the statement to the appropriate location as
            designated.

      (iv)  Conventional Account Statement Rendering - Crippled

            Aurum will process as exceptions and make available for pickup by
            Customer or Customer's courier by 07:00 of the Business Day
            following determination of the Crippled Statement condition all
            Crippled Statements.

      (v)   Conventional Account Statement Rendering - No Item Enclosures

            Aurum will use an insertion machine to read the intelligent
            insertion marks or bar code imprinted on the statement, fold the
            correct number of pages, insert the statement and inserts into a
            Customer provided standard window envelope that is of a quality
            consistent with that required by automated Statement Rendering
            equipment and acceptable to Customer and Aurum, seal the envelope,
            and the envelopes are released to the ZIP code sort vendor.

      (vi)  Conventional Serial Fine Sort

            Aurum will Serial Fine Sort Items for accounts designated by
            Customer. Accounts requiring Serial Fine Sort will be maintained in
            a separate statement cycle on the Customer's core data processing
            system or designated as Serial Fine Sort accounts in a manner that
            is acceptable to Customer and Aurum.

      (vii) Image Archive Statement Merge

            By 06:00 on the second Business Day following the Statement Cycle
            Date when Aurum receives an image statement print file from
            Customer's Data Processing Services Provider, Aurum will also
            receive an image match file in a format mutually agreed to by the
            parties. This file will facilitate merging Item Images with image
            statement text in preparation for image statement printing and image
            statement rendering.

                                      A-10
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

      (viii) Image Statement Printing

            Aurum will receive an image statement print file in a format
            mutually agreed to by the parties from Customer's Data Processing
            Service Provider by 06:00 on the second Business Day following the
            Statement Cycle Date. After the image archive statement merge
            process, Aurum will print image statement text and Item images in
            simplex or duplex mode, as is mutually agreed to by Customer and
            Aurum, in preparation for image statement rendering. The print
            quality will be consistent with that required by automated ZIP code
            sorting equipment and acceptable to Customer, Aurum and Customer's
            ZIP code sort vendor.

      (ix)  End-Customer CD-ROM Statement

            Aurum will retrieve check images from the Aurum-controlled online
            archive; merging those check images with the corresponding periodic
            statement text; and write that data, along with end-customer
            licensed viewing software, to a CD-ROM for delivery to and use by
            the end-customer.

      (x)   Image Statement Rendering - Automated Handling

            Aurum will use an insertion machine to read the intelligent
            insertion marks or bar code imprinted on the statement, fold the
            correct number of pages, insert the statement and inserts into a
            Customer provided standard window envelope that is of a quality
            consistent with that required by automated Statement Rendering
            equipment and acceptable to Customer and Aurum, seal the envelope
            and the envelopes are released to the ZIP code sort vendor.

      (xi)  Image Statement Rendering - Manual Handling

            Aurum will manually render image statements that do not qualify for
            automated rendering due to excessive physical page count (greater
            than nine (9)). Aurum will insert the statement and any inserts into
            a Customer provided envelope that is acceptable to Customer and
            Aurum, seal the envelope and release the envelope to the ZIP code
            sort vendor.

            Aurum will process as exceptions any statements that are not to be
            mailed to the end-customer via pre-sort first class mail. These
            exception statements will be identified by unique intelligent
            insertion marks or bar code, which will be mutually agreed upon by
            Aurum and Customer. From information printed on the statement or
            provided separately by Customer, Aurum will forward the statement to
            the appropriate location as designated.

      (xii) Image Statement CD-ROM Rendering - Manual Handling

            Aurum will manually render image statement CD-ROM's. Aurum will
            insert the CDD-ROM and any inserts into a Customer provided envelope
            that is acceptable to Customer and Aurum, seal the envelope, and
            release the envelope to the ZIP code sort vendor.

            Aurum will process as exceptions any statement CD-ROM's that are not
            to be mailed to the end-customer via pre-sort first class mail.
            These exception statement CD-ROM's will be identified in a manner
            that is mutually agreed upon by Aurum and Customer. From information
            provided by Customer, Aurum will forward the statement to the
            appropriate location as designated.

                                      A-11
<PAGE>

                                   SCHEDULE A
                                 BASIC SERVICES

      (xiii) Statement Inserts

            Aurum will insert up to four (4) statement inserts into Customer
            statements. The statement inserts will be of a size, format and
            quality that is consistent with that required by automated Statement
            Rendering equipment and acceptable to Customer and Aurum. The
            proposed statement inserts will be submitted to Aurum at least ten
            (10) Business Days in advance of the Statement Cycle Date.

(f)   OTHER SERVICES

            (i)   Research

                  Aurum will provide Customer with assistance to resolve
                  out-of-balance conditions particular to inbound or outbound
                  check processing operations.

            (ii)  Original Item Retrieval

                  At Customer's request, Aurum will retrieve Items from the
                  check vault.

            (iii) Item Posting File Transmission Contingency

                  In the event that Aurum is unable to successfully transmit any
                  Item Posting File to Customer Aurum will burn a CD-ROM or DVD
                  containing the data and make it available for pickup by
                  Customer or Customer's courier, or, arrange for courier
                  delivery to Customer's Data Processing Services Provider.

            (iv)  Image Processing System Reports

                  Aurum will write image system daily reports to an electronic
                  file in an ASCII format each Business Day and make the file
                  available for pickup by Customer using an TCP/IP transfer
                  utility prior to 07:30 the following Business Day.

(g)   MISCELLANEOUS

      (i)   Programming Support

            Aurum will provide Special Programming at Customer's request for new
            or modified products or services at the rate quoted in Schedule C of
            this Agreement.

      (ii)  On-site Consulting

            Aurum will provide item processing consulting services at Customer's
            request for new or modified products or services at the rate quoted
            in Schedule C of this Agreement.

      (iii) Courier Services

            Aurum will manage the courier that is responsible for transportation
            of Inclearing Items from the Federal Reserve Bank to the Aurum
            Image Operations Center and the courier that is responsible for
            transportation of Transit Items to the Federal Reserve Bank or other
            upstream correspondent banks. Customer will be responsible for the
            selection of the courier services provider and all courier and
            transportation related expenses.

                                      A-12
<PAGE>

                                   SCHEDULE B
                                OPTIONAL SERVICES

I.    Description of Optional Services

      If desired, effective no sooner than ninety (90) days after the
      Operational Date, the following host-based application processing modules
      or services ("Optional Services") will be available for an additional
      charge, for on-line customer access from Customer terminals. Optional
      Services charges are listed in Schedule C, Section II. It is the
      Customer's responsibility to review the ITI documentation, utilize outside
      resources such as consultants, input module specifications and train
      end-users for Optional Services. The Conversion Services listed in
      Schedule C, Section III are not intended to include these Optional
      Services.

<TABLE>
<CAPTION>
                                            Product      Product
Optional Systems/Modules                     Vendor       Code
------------------------                    -------      -------
<S>                                         <C>          <C>
Director                                      ITI         PDSH
Invision                                      RTI         INVSN
Prime                                         ITI         PRI
Premier eCom                                  ITI         PBM
Premier eCorp                                 ITI         PEC
Telebanc - Telephone Banking Module           ITI         TBM
Bill Payment Module                           ITI         BPM

Optional Services/Miscellaneous:

ACH Origination
Annual Account Audit Review Report
ATM Services
Audit Confirmation Generation
Clerical Time/Research
Cumulative FMS Reporting
Custom Reports, SMART Reports
Host LAN Connect/TCP/IP
IRS Reporting
Parameter/Specification Changes
Programming Changes
Year-end Reporting
</TABLE>

                                      B-1

<PAGE>

                                   SCHEDULE C
                                 SERVICE CHARGES

I.    Basic Services.

      (a)   Data Processing Services

            (i)   Base Systems. The monthly service fee for Basic Services
                  provided using the Systems listed in Section I (a) of Schedule
                  A ("Base Systems") is based on the number of Account Records,
                  open or closed, maintained on the System at the end of each
                  month. An "Account Record" is an end-customer account
                  (including without limitation any open or closed DDA/checking
                  account, savings account, certificate of deposit account or
                  loan account) that is maintained on the AURUM System during
                  the applicable month. For Basic Services provided using Base
                  Systems, Customer will pay AURUM based on the following
                  incremental tier:

<TABLE>
<CAPTION>
    Account Volume                                  Service Fee
    --------------                                  -----------
<S>                                  <C>
0 - 5,000 Accounts                   $0.8000 per open or closed customer account
5,001 - 10,000 Accounts              $0.7500 per open or closed customer account
10,001 and over Accounts             $0.7000 per open or closed customer account
</TABLE>

For example, when Customer reaches 7,000 total Account Records, the monthly
service fee will be $5,500; this is expressed mathematically as follows: (5,000
x $0.80) + (2,000 x $0.75) = $5,500.00.

            (ii)  Other Services. The monthly fees for other Basic Services
                  identified in Schedule A are as follows:

<TABLE>
<CAPTION>
      Description                            Service Fee
      -----------                            -----------
<S>                               <C>
ATM Transmission Norwest          $200.00 per month
Netzee ACH Origination            $200.00 per month
Smart Reports/Downloads           $27.67 per report (no charge for first 20
                                  reports)
VISA Debit Card Transmission      $200.00 per month
Cumulative FMS Reporting          Waived
Third Party Review                One at no charge
Terminals                         Waived
Audit Confirmations               At current AURUM rate
1098/1099 Notice Printing         At current AURUM rate
Year end Processing               At AURUM current rate
OMS monthly maintenance           $250.00 per month
Data communications
   Monthly Circuit Charge         Rebill actual charges
   Monthly Port Maintenance       $200.00
</TABLE>

            (iii) Third Party Charges. Third party charges, including but not
                  limited to, postage, processing supplies and courier will be
                  billed directly to Customer from the respective third party.

            (iv)  Man-time. The following rates apply:

<TABLE>
<CAPTION>
  Description                            Service Fee
  -----------                            -----------
<S>                           <C>
Systems Consultant            $125.00 per hour or AURUM current rate
Project Manager               $125.00 per hour or AURUM current rate
Training Specialist           $125.00 per hour or AURUM current rate
</TABLE>

            (v)   Minimum Monthly Charge. If the number of Account Records
                  processed hereunder in any calendar month is less than 8,334,
                  then AURUM will be deemed to have processed 8,334 Account
                  Records.

                                       C-1

<PAGE>

                                   SCHEDULE C
                                 SERVICE CHARGES

      (b)   Item Processing Services

             (i)     Basic Services. The monthly service fee for Basic Services
                     listed in Section II of Schedule A, is based on volumes of
                     described service multiplied by the unit cost for that
                     service. Customer will pay AURUM such charges on a monthly
                     basis.

<TABLE>
<CAPTION>
        Description of Service                           Unit Cost
        ----------------------                           ---------
<S>                                               <C>
Bulk File/Warehouse                               $0.0020 per item
Image Based Courtesy Amount Recognition           $0.0066 per item
Image Based key Entry                             $0.0220 per field
Power Encode                                      $0.0165 per field
Exception Pull/Cycle Sort                         $0.0044 per item
Fine Sort of Daily Items                          $0.0159 per item
Serial Fine Sort (minimum per account $10.00)     $0.0159 per item
Inbound Return Items                              $2.4200 per item
Inclearings Image Capture                         $0.0250 per item
Large Item Notification                           $3.2200 per item
Image Rejects                                     $0.1600 per item
Outbound Return Items                             $1.5000 per item
Proof of Deposit Encoding                         $0.0300 per field
POD Image Capture                                 $0.0250 per item
Proof Corrections - not documented                $0.7000 per item
Proof Correction - documented                     $3.5000 per item
Check Printing                                    $0.2500 per item
Fax Copies                                        $1.4300 per item
Photo/Subpoena Copies                             $1.0800 per item
Research                                          $24.000 per hour
Signature Review                                  $0.5500 per item
CD-ROM for Bank                                   $27.50  per CD
Customer Statement CD-ROM                         $20.00  per CD-ROM
DVD for Bank Archive                              $37.50  per DVD
DVD per Item Burn for Archive                     $0.0010 per item
Jukebox Charge                                    $850.00 per month
Online Image Archive Access
  0-10,000 (flat fee)                             $250.00 per month
Online Image Archive Access
  10,001 and over                                 $0.0700 per item
Notice Printing                                   $0.1000 per item
Statement Inserts - Auto                          $0.0102 per statement
Statement Inserts - Manual                        $0.0330 per statement
Statement Fine Sort                               $0.0159 per item
Statement Print                                   $0.0510 per page
DDA Statement Rendition Automated w/zero enc      $0.2000 per statement
DDA Statement Rendition Automated w/enclosures    $0.4400 per statement
DDA Statement Rendition Manual w/enclosures       $0.8000 per statement
DDA Statement Rendition Special Handling          $0.8000 per statement
Postage                                           Prepaid via monthly invoice
Courier                                           Bank responsibility
Supplies                                          Aurum current rate
</TABLE>

                                       C-2
<PAGE>

                                   SCHEDULE C
                                 SERVICE CHARGES

            (ii)  Minimum Monthly Charge. If the aggregate charges for Item
                  Processing Services are less than $12,500.00 per calendar
                  month, AURUM may, at its option, bill the actual amount or
                  $12,500.00.

II.   Optional Services. For Optional Services, Customer will pay the following
      fees in addition to the charges listed in Section I of Schedule C:

<TABLE>
<CAPTION>
Optional Systems/Modules:                        Charge
-------------------------                        ------
<S>                                      <C>
Invision                                 $ 625.00 per month
TeleBanc 1 - 2,000 (flat fee)            $ 200.00 per month
TeleBanc 2,001 and over                  $  0.16  per log on
800 VRU Service                          $  0.04  per minute

Director                                 Not to exceed $5,000 set up fee
                                         Not to exceed $500 monthly fee

Prime                                    Set up fee approximately $2,500
                                         (excludes Impromptu and Cubes). $300
                                         monthly. Available 3/31/02

Premier eCom                             Set up fee $2,500
                                         Monthly fee of $1,000 (includes 1,000
                                         clients $0.85 per client thereafter)

Premier eCorp                            Set up fee $2,500 (includes
                                         Monthly fee $300 (includes 400 clients
                                         $5 per client thereafter)

Bill Payment Module (Host Interface)     Set up fee $2,500
                                         Monthly fee $380
                                         Princeton ECom Set up fee waived
                                         (up to $2500)
                                         Other bill pay options to be
                                         considered.
Fraud Detection System                   Not to exceed $800 per month
                                         Available 6/30/02
</TABLE>

<TABLE>
<CAPTION>
Optional Services/Miscellaneous:
--------------------------------
<S>                                      <C>
ACH Origination                          $25.00 per outgoing file
ACH Transmissions (Outgoing)             $18.00 per transmission
Audit Confirmation Generation            Aurum Current Rate
Custom Reports, SMART Reports            $95.00 per hour
IRS Reporting                            Aurum Current Rate
Parameter/Specification Changes          $95.00 per hour
Programming Changes                      $95.00 per hour
Year-end Reporting                       Aurum Current Rate
</TABLE>

                                       C-3
<PAGE>

                                   SCHEDULE C
                                 SERVICE CHARGES

III.  Conversion Services

<TABLE>
<CAPTION>
    AFS Implementation Fees - One time
    ----------------------------------
<S>                                            <C>
Initial Image Setup                            Waived

Archive Access for Bank :
Microsoft NT/SQL Server License (25)           $3,550.00
ImageDepot Archive Software (5) Concurrent     $8,800.00

Archive Access for End Customers               TBD in conjunction with Internet
                                               provider

Image View Software for each Bank End Client
       1 License                               $250.00
       5 Licenses ($200 each)                  $1,000.00
       10 Licenses ($150 each)                 $1,500.00
</TABLE>

<TABLE>
<CAPTION>
Additional Modules Implementation - One time
--------------------------------------------
<S>                                                 <C>
Federal Call Reporter                               Not to exceed $7,500(one-time costs) for all
Holding Company Module                              Modules with concurrent installations.
Stockholder Accounting System                       Training Included
Asset Liability Management System                   Travel Expenses are additional
</TABLE>

                                       C-4

<PAGE>

                                   SCHEDULE D
                                CUSTOMER SYSTEMS

"Customer Systems" are the Systems to be provided by Customer for use in
conjunction with Aurum Systems. Customer Systems include, but are not limited to
the following:

<TABLE>
<CAPTION>
           System                                  Vendor
           ------                                  ------
<S>                                        <C>
Data Communications Equipment              Various
Loan Platform                              Bankers System - Rembrandt
Deposit Platform                           Harland Financial Solutions
Teller Equipment                           EZ Teller
Teller Automation Software                 EZ Teller
Platform Automation Software               Harland Financial Solutions
InfoConnect                                ITI
InfoConnect Intercom                       Attachmate
InfoConnect FileXpress                     Attachmate
Netware                                    Novell
NT                                         Microsoft
Office                                     Microsoft
Windows                                    Microsoft
</TABLE>

                                       D-1

<PAGE>

                                   SCHEDULE F
                                PROCESSING TIMES

1. Customer Delivery Requirements

                                               BUSINESS DAYS - MON - FRI
      Inclearing Items                         100% of SDS/Direct Send by 9:00
                                               100% by 13:00

                                               BUSINESS DAYS - MON - THURS
      Over-the-Counter Item                    100% by 21:30

                                               BUSINESS DAYS - FRIDAYS
      Over-the-Counter Items                   100% by 21:30

2. Aurum File Transmission Requirements (Initiation of file transfer)

                                               BUSINESS DAYS - MONDAY - FRIDAY
      Inclearing                               18:00
      POD/Transit Over-the-Counter             24:00

3. Exception Item File transmission completed  03:30 NCD on Wednesday - Friday
                                               04:30 NCD on Tuesday
                                               06:30 NCD on Saturday

4. Image archive available                     07:00 NCD

5. Exception Items available for pickup        07:00 NBD
   (Large dollar items only)

NBD = Next Business Day
NCD = Next Calendar Day

                                       F-1

<PAGE>

                                   SCHEDULE G
                           CUSTOMER RESPONSIBILITIES

I.    Customer Responsibilities

      In connection with the Basic, Optional, Additional and Conversion
      Services and in addition to Customer's other obligations under this
      Agreement, Customer will:

      (a)   Ensure that its personnel maintain a working knowledge of the Aurum
            System and Item Processing Services and that new Customer personnel
            are properly trained to utilize the Aurum System and Item Processing
            Services.

      (b)   Appoint Aurum as its agent for purposes of receiving Items from and
            returning Items to clearing organizations. Customer will notify all
            appropriate third parties of such appointment and pay or reimburse
            Aurum for any charges payable to such clearing organizations for, or
            required as a condition to, so receiving or returning Items.

      (c)   Provide to Aurum and keep current, by mutually agreeable means, such
            information concerning the DDA/Checking Accounts as Aurum may
            reasonably require.

      (d)   Ensure that all Items, magnetic tapes, and other documents or media
            which Aurum may require to process hereunder are in a format
            acceptable to Aurum and contain, in machine readable form, the data
            and information required by Aurum.

      (e)   Forward directly to Aurum any On-Us Items or other Items that are
            posted by or on behalf of Customer without being entered into the
            clearing process.

      (f)   Cooperate with Aurum in the performance of Basic Services and
            provide to Aurum such data and information, management decisions,
            regulatory interpretations and policy guidelines as Aurum reasonably
            requires.

      (g)   Select, and be responsible for (financially and otherwise), the
            courier service to be utilized in conjunction with the Basic
            Services provided herein. The parties agree that such courier
            service may be either an existing courier service shared by other
            Aurum customers or, if Customer in its sole discretion determines
            that it is not feasible or desirable to utilize such existing
            courier service, such other courier service as is designated by
            Customer.

      (h)   Be responsible for the timely delivery of proof of deposit Items
            from Customer locations to the Aurum Data Center. Aurum will
            consider receipt of Items upon delivery and time stamp of courier
            receipts at the Aurum Data Center receiving window.

      (i)   Deliver to Aurum all Items, in a form acceptable to Aurum, to be
            processed by Aurum. Customer assumes full responsibility for the
            accuracy, completeness, and authenticity of all Items furnished to
            Aurum, and Aurum shall be entitled to rely thereon and shall have no
            obligation or responsibility to audit, check, or verify the Items.
            Without limiting the generality of the foregoing, Customer shall
            have sole responsibility for (a) verifying dates, signatures,
            amounts, authorizations, endorsements, payment notices, collection
            times, fees and charges imposed by Customer on its customers and
            other similar matters on all Items delivered to Aurum; (b) placing
            stop payments and holds on accounts; and (c) determining the
            correctness of all magnetic ink inscribed or appearing on Items,
            regardless of by whom or when inscribed. If any Items submitted to
            Aurum are incorrect, incomplete, or not in the form required by
            Aurum, then Aurum may, in its sole discretion, either (i) require
            Customer to resubmit completed and corrected Items, or (ii) correct
            and complete the Items itself and Customer will pay Aurum the
            charges for any Additional Services provided by Aurum to correct or
            complete such Items or otherwise prepare such Items for processing.

      (j)   Modems provided by Customer must be approved by Aurum to insure
            compatibility with the Aurum System.

      (k)   Provide adequate space for the Equipment and a power source
            according to the manufacturer's specification requirements for all
            Equipment necessary for the complete System utilization.

      (l)   Provide adequate space for the installation of telephone drop(s)
            necessary to connect Customer's terminals with the telephone lines
            which communicate with the Aurum Systems. Aurum agrees to schedule
            with the telephone

                                       G-1

<PAGE>

                                   SCHEDULE G
                           CUSTOMER RESPONSIBILITIES

            company the technical aspects of said installation of the data
            communications telephone lines. Charges made by the telephone
            company for the initial installation and ongoing costs of the data
            communications telephone lines along with any additional drops or
            changes to the drop locations in the future will be the
            responsibility of Customer.

      (m)   Provide to Aurum and keep current, by mutually agreeable means,
            information reasonably required by Aurum concerning the accounts
            offered by Customer to its customers and internal Customer general
            ledger accounts.

      (n)   Promptly inspect and review all reports and data files provided to
            Customer by Aurum and, unless a shorter period of time is required
            for any specific report or data file, notify Aurum of any incorrect
            report or data file within one Business Day after receipt thereof.
            Failure to so notify Aurum of any such report or data file will
            constitute acceptance thereof.

      (o)   Establish cycle dates for the monthly statements for accounts in a
            manner acceptable to Aurum so that approximately the same number of
            such monthly statements are to be prepared on each of the no more
            than twenty (20) Business Days during each month which are
            designated by mutual agreement as statement days. Such monthly
            statements will be printed in a format acceptable to Aurum, which
            format will include bar coding indicating the number of enclosures
            to be mailed with each statement.

      (p)   Cooperate with Aurum in the performance of Item Processing Services
            and provide to Aurum such data and information, management
            decisions, regulatory interpretations and policy guidelines as Aurum
            reasonably requires.

                                       G-2

<PAGE>

                                  ADDENDUM ONE
                            COMMUNITY BANK OF NEVADA

THIS ADDENDUM ("Addendum") to that certain Agreement for Information Technology
Services ("Agreement") between AURUM TECHNOLOGY INC (Aurum) and COMMUNITY BANK
OF NEVADA ("Customer"), dated of even date herewith, is made and entered into by
and between Customer and Aurum.

The parties agree to amend the Agreement as follows:

1.    Section 1.1(c) of the Agreement is amended to read as follows:

            "Basic Services" are the Services listed in Schedule A, including
            the Item Processing Services.

2.    Section 1.1(d) of the Agreement is amended to read as follows:

            "Business Day" is each weekday, Monday through Friday, during which
            Customer conducts its business operations and which is not a holiday
            of the federal reserve banks.

3.    New Sections 1.1(s) and 1.1(t) are added to the Agreement to read as
      follows:

            (r)   "Item" is a document or other segment of media on which is
                  recorded information evidencing a debit or credit.

            (s)   "Item Processing Services" are the Services described in
                  Schedule A.

4.    Section 3.1(c) of the Agreement is amended to read as follows:

            On a mutually agreeable schedule Aurum will provide those services
            and instructions ("Conversion Services") reasonably required for
            Customer to convert to and use the Aurum Systems and the Item
            Processing Services. Customer will cooperate in the conversion
            effort and timely provide whatever information, data, clerical and
            office support, management decisions, approvals and signoffs that
            Aurum reasonably requires. According to a plan to be developed by
            Customer and Aurum, Aurum will train a mutually designated group of
            Customer's personnel in the proper use of the Aurum Systems (other
            than the Aurum Systems used to provide Item Processing Services) to
            enable such personnel to train Customer's user personnel in the use
            of such Aurum Systems. Customer will cooperate with Aurum in
            scheduling training in conjunction with Customer's conversion to the
            Aurum Systems.

5.    Sections 3.2(a) through 3.2(e) of the Agreement do not apply to Item
      Processing Services provided by Aurum.

6.    Section 3.4 of the Agreement does not apply to Aurum Systems used to
      provide Item Processing Services.

                                       1
<PAGE>

7.    A new Section 3.7 is added to the Agreement to read as follows:

            General Terms Relating to Item Processing Services.

            (a)   With respect to Item Processing Services, Aurum will be
                  responsible for the Items from the time that such Items are
                  received by Aurum at the Data Center until the Items are
                  released for pickup at the Data Center to couriers; provided
                  that Aurum's liability for the destruction or disappearance
                  of Items will be limited to cases where the destruction or
                  disappearance is due entirely to the negligence or willful
                  misconduct of Aurum and, if so, Aurum sole obligation is to
                  reconstruct the Items from microfilm created by Customer.

            (b)   All times indicated in this Agreement refer to the time zone
                  in which the Item Processing Center is located.

8.    A new Section 3.8 is added to the Agreement to read as follows:

            Regulatory Compliance Related to Item Processing Services. If either
            Aurum or Customer becomes aware of any changes or proposed changes
            to any statutes, regulations or rules applicable to the Item
            Processing Services, that party will promptly notify the other of
            the change or proposed change, and the parties will cooperate in
            analyzing the impact, if any, that the change or proposed change
            will have on the obligations of the parties under this Agreement. If
            any such change requires Aurum to modify any Item Processing
            Services, Aurum will comply with such change and Customer will
            reimburse Aurum for (a) any additional costs thereby incurred by
            Aurum that are specific to Customer (such as the cost of retaining
            Customer's data for a longer period of time), and (b) Customer's pro
            rata share (based on such method of proration as Aurum in good faith
            determines to be appropriate) of any additional costs thereby
            incurred by Aurum that are not specific to Customer (such as the
            cost of modifications to the Aurum Systems that apply to Customer
            and to other Aurum customers for item processing services) and that
            are in excess of the costs that Aurum would customarily absorb as
            part of its normal services to its customers for item processing
            services, as reasonably determined by Aurum.

9.    A new Section 4.8 is added to the Agreement to read as follows:

            Customer Responsibilities Related to Item Processing Services. In
            order that Aurum may perform its obligations to provide Services,
            including Item Processing Services, Customer shall perform the
            actions provided in Schedule F.

10.   Section 5.1(a) of the Agreement is amended to read as follows:

            (a)   For Basic Services, including Item Processing Services, the
                  monthly charges listed in Schedule C.

11.   Section 5.2(a) of the Agreement is amended to read as follows:

                                       2
<PAGE>

            All costs incurred by Aurum (i) in mailing reports or other output
            to Customer, its customers, or third parties, and (ii) in
            transporting, shipping, or delivering Items, reports, output, or
            input to and from the Data Center, including without limitation
            couriers, telecommunications and data communications charges.

12.   The first sentence of Section 8.1 of the Agreement is amended to read as
      follows:

            Section 3.2(d) sets forth Customer's exclusive remedies for errors
            in reports or other output provided by Aurum under this Agreement
            and Section 3.7(a) sets forth Customer's exclusive remedies for the
            destruction or disappearance of Items that occur while such Items
            are being held at the Data Center.

13.   New sixth and seventh sentences are added to Section 8.1 to read as
      follows:

            Customer expressly waives and releases any claim that it may
            otherwise have against Aurum in excess of such amounts provided for
            pursuant to this Section. By releasing and discharging Aurum from
            such claims both known and unknown, Customer expressly waives any
            rights it may have had under California Civil Code Section 1542
            which provides 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."

14.   Schedule F, attached, is added to the Agreement.

15.   Except as amended by this Addendum, the Agreement will be and remain in
      full force and effect in accordance with its terms. Capitalized terms used
      in this Addendum will be as defined in the Agreement unless otherwise
      expressly defined in this Addendum.

16.   Four (4) original copies of this Addendum will be executed and submitted
      to Aurum by Customer. This Addendum will become effective when Aurum
      executes this Addendum. Aurum will return one of the executed copies to
      Customer.

IN WITNESS WHEREOF, the parties have executed this Addendum as of the date set
forth above.

AURUM TECHNOLOGY INC                           COMMUNITY BANK OF NEVADA

By: /s/ Brian Van Dyk                          By: /s/ Cathy Robinson
    -----------------                              ------------------
Printed                                        Printed
Name: Brian Van Dyk                            Name: Cathy Robinson
Title: President, Premier Division             Title: Executive Vice President
Date: 11/15/2001                               Date: 11/9/01

                                       3
<PAGE>

                              AMENDMENT NUMBER TWO
                            COMMUNITY BANK OF NEVADA

THIS AMENDMENT ("Amendment") to the AGREEMENT FOR INFORMATION TECHNOLOGY
SERVICES between Aurum Technology Inc. ("Aurum") and Community Bank of Nevada
("Customer"), dated of even date herewith, as amended or modified (the
"Agreement"), is between Customer and Aurum.

The parties agree to amend the Agreement as follows:

1.    The recital of the Agreement is amended in its entirety to read as
      follows:

      "WHEREAS, Customer desires to purchase certain Data and Item Processing
      Services from Aurum, a provider of such services, pursuant to the terms
      and conditions set forth herein."

2.    The first sentence of Section 2.1 of the Agreement is amended in its
      entirety to read as follows:

      "This Agreement will begin on the Effective Date and, unless terminated
      earlier under Section 7.2, 7.3 or 7.4, will continue for a period of five
      (5) years from the Implementation Date (the "Initial Term")." Thereafter,
      this Agreement will automatically renew for successive terms of one year
      each (the "Renewal Terms") unless either party gives the other party
      written notice at least six months prior to the expiration date of the
      Initial Term or the Renewal Term then in effect that the Agreement will
      not be renewed beyond such term.

3.    Section 5.2 (b) of the Agreement is amended in its entirety to read as
      follows:5.2

      "All actual, out-of-pocket costs and expenses, including, without
      limitation, travel and travel-related expenses, which are incurred by
      Aurum and pre-approved by customer when in excess of $500.00 in providing
      Services when incurred at Customer's request."

4.    Section 5.4 of the Agreement is amended to read as follows:

      "Cost of Living Adjustment. No more than once in any twelve (12) month
      period, Aurum may, at its option and by giving Customer written notice,
      increase the charges for the Services by a percentage not to exceed the
      percentage by which the ECI as of that time is higher than the ECI as of
      (i) for the first adjustment, the earlier of the Effective Date or the
      date of the last adjustment previously made pursuant to any immediately
      prior agreement, if any, under which Aurum provided the same or similar
      Services to Customer, and (ii) thereafter, the previous time that Aurum
      adjusted its charges to Customer pursuant to this Section. In no event
      will any such adjustment exceed three percent (3%). These increased
      charges will remain in effect until Aurum adjusts them again pursuant to
      this Section."

5.    Section 7.4 of the Agreement is amended in its entirety to read as
      follows:

                                   Page 1 of 3

<PAGE>

      "Termination for Cause. If either party materially defaults in its
      performance under this Agreement, except for non-payment of amounts due to
      Aurum, and (i) fails to promptly commence curing such default with all due
      diligence after receiving written notice specifying the default and (ii)
      fails to either substantially cure such default within sixty (60) days
      after receiving written notice specifying the default or, for those
      defaults which cannot reasonably be cured within sixty (60) days, promptly
      commence curing such default and thereafter proceed with all due diligence
      to substantially cure the default, then the party not in default may, by
      giving the defaulting party at least thirty (30) days prior written notice
      thereof, terminate this Agreement as of a date specified in such notice. A
      party shall give notice of its election to terminate this Agreement for
      cause within a reasonable time following its discovery of the material
      default, including any course of conduct constituting a material default."

6.    Section 7.6(a) of the Agreement is amended in its entirety to read as
      follows:

      "All costs reasonably incurred by Aurum in connection with such
      termination, including without limitation telecommunication line
      disengagement expenses and costs of terminating leases on or shipping or
      storing any equipment provided to Customer by or through Aurum under this
      Agreement, plus a fifteen percent (15%) management fee not to exceed ten
      thousand dollar ($10,000), plus Aurum's charges for any Additional
      Services reasonably requested by Customer for de-conversion assistance
      (together, the "Termination Costs").

7.    Section 7.6 (b) of the Agreement is amended in its entirety to read as
      follows:

      "All references to fifty percent (50%) in this Section 7.7(b) are amended
      to read as twenty five percent (25%)."

8.    Section 7.7 of the Agreement is amended in its entirety to read as
      follows:

      "Payment Upon Non-renewal. If Customer gives or receives notice not to
      renew this Agreement pursuant to Section 2.1, or Customer terminates this
      Agreement under Section 9.5, Customer will pay to Aurum an amount equal to
      all amounts then due and payable to Aurum. Aurum will provide
      de-conversion assistance to Customer at a cost not to exceed $10,000,
      provided that Aurum's only obligation to Customer for such de-conversion
      assistance shall be to provide to Customer one copy of any test tapes and
      one copy of any conversion tapes. Any additional de-conversion assistance
      will be provided to Customer as an Additional Services as reasonably
      requested by Customer."

9.    Section 9.9 of the Agreement is amended in its entirety to read as
      follows:

      "Governing Law. This Agreement will be governed by and construed in
      accordance with the laws of the State of Nevada, without giving effect to
      any choice-of-law rules.

                                   Page 2 of 3

<PAGE>

10.   Service Level Performance Standards. The parties agree to negotiate in
      good faith to establish in writing any reasonable modifications to the
      Service Level Performance Standards set forth in Schedule E to the
      Agreement reasonably necessary to conform such standards to the Image Item
      Processing Services. Such modifications, if any, will not make the
      standards more burdensome on Aurum than the original standards; will not
      lower the standards from the standards which exist as of the Addendum
      Effective Date, shall be finalized as a written amendment to the Agreement
      signed by both parties; and both parties agree to use best efforts to
      finalize such modifications within sixty (60) days after Image Item
      Processing Conversion Date. Such standards will be governed in accordance
      with all applicable terms and conditions of the Agreement and any
      additional terms and conditions contained in the amendment.

11.   Except as amended by this Amendment, the Agreement will be and remain in
      full force and effect in accordance with its terms. Capitalized terms used
      in this Amendment will be as defined in the Agreement unless otherwise
      expressly defined in this Amendment.

12.   Three (3) original copies of this Amendment will be executed and submitted
      to Aurum by Customer. This Amendment will become effective as of the date
      set forth below when Aurum executes this Amendment. Aurum will return one
      of the executed copies to Customer.

In WITNESS WHEREOF, the parties have executed this Amendment as of 11/15/2001.

COMMUNITY BANK OF NEVADA                      AURUM TECHNOLOGY INC.

By: /s/ Cathy Robinson                        By: /s/ Brian Van Dyk
    ------------------                            -----------------
Printed                                       Printed
Name: Cathy Robinson                          Name: Brian Van Dyk
Title: Executive Vice President               Title: President, Premier Division
Date: 11/9/01                                 Date: 11/15/2001

                                  Page 3 of 3

<PAGE>

                              ADDENDUM NUMBER THREE
                               ADDITIONAL SERVICES

This ADDENDUM ("Addendum") to the Agreement for Information Technology Services
("Agreement") between Aurum Technology Inc. ("AURUM") and Community Bank of
Nevada ("Customer"), dated as of November 15, 2001, as amended or modified, is
effective from the date it is executed by AURUM and shall remain in effect for
the term of the Agreement. Capitalized terms used in this Addendum will be as
defined in the Agreement unless otherwise defined in this Addendum.

WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum;

WHEREAS, AURUM is willing to provide such Additional Services to Customer;

NOW, THEREFORE, AURUM and Customer hereby agree to amend the Agreement to
provide for such Additional Services as follows:

1.    Additional Services. AURUM will provide to Customer, as Additional
      Services, the SCM2100 User Interface Program, including: SCM2100 server
      and workstation software and software upgrades as scheduled or required,
      and assistance with installation of the Customer's SCM2100 server
      ("SCM2100 Server"). AURUM will provide such Additional Services in
      accordance with this Addendum and the Agreement and such services will be
      deemed Additional Services under the Agreement for all purposes.

2.    Payments to AURUM. In consideration for the provision by AURUM of the
      Additional Services set forth above, Customer will pay AURUM the amounts
      set forth in Exhibit A attached hereto. Charges for such services will be
      due and payable in accordance with the terms of the Agreement and of this
      Addendum as follows: (i) Installation or set-up charges will be invoiced
      in conjunction with signing of this Addendum; (ii) Monthly charges will
      commence upon completion of the installation, but no later than 120 days
      from commencement of the installation project (unless delays to
      installation completion are attributable solely to Aurum).

3.    Customer Responsibilities. Customer will (i) provide and maintain all
      SCM2100 server hardware/software and host connectivity necessary to meet
      ITI minimum requirements for the SCM2100 User Interface; (ii) will assist
      Aurum with the installation of the SCM2100 server (iii) will perform
      installation of all SCM2100 workstations for Customer's employees; (iv)
      provide training to their employees on the use of SCM2100; and (v) will
      upgrade all SCM2100 software as scheduled or required by Aurum.

4.    Confirmation of Agreement. Except as amended by this Addendum, the
      Agreement will be and remain in full force and effect in accordance with
      its terms.

5.    Execution of Addendum. Four (4) original copies of this Addendum will be
      executed and submitted to AURUM by Customer. This Addendum will become
      effective as of the date set forth below when AURUM executes this
      Addendum. AURUM will return one of the executed copies to Customer.

AURUM TECHNOLOGY INC                           COMMUNITY BANK OF NEVADA

By: /s/ Gary Farnam                            By: /s/ Cathy Robinson
    ---------------                                ------------------
Printed                                        Printed
Name: Gary Farnam                              Name: Cathy Robinson
Title: Senior Vice President                   Title: Executive Vice President
Date: 8-21-02                                  Date: 8/5/02

Amend#3 SCM2100

                                                                               1
<PAGE>

                                    EXHIBIT A
                                 SCM2100 SERVER
                                 SERVICE CHARGES

The monthly service fee for SCM21000 Server Services is based on the number of
SCM2100 Servers maintained by the Customer during each month. Monthly service
fees will not be prorated for a partial month.

<TABLE>
<S>                                                             <C>
One Time Charges

      Set Up SCM2100 Host User Interface and Server
      (Invoiced in conjunction with signing of the Addendum)

            Initial Server Set Up Fee                           $ 1,750
            Additional SCM2100 Installations or Assistance      $   150 per hour

Monthly Charges

      SCM2100 Server Fee_                                       $    40
</TABLE>

<PAGE>

                              ADDENDUM NUMBER FOUR
                               ADDITIONAL SERVICES
                   COMBINED BPM AND PRINCETON ECOM INTERFACE

This ADDENDUM ("Addendum") to the Agreement for Information Technology Services
between Aurum Technology Inc. ("AURUM") and Community Bank of Nevada
("Customer"), dated as of November 15, 2001, as amended or modified, is
effective from the date it is executed by AURUM and shall remain in effect for
the term of the Agreement. Capitalized terms used in this Addendum will be as
defined in the Agreement unless otherwise defined in this Addendum.

WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum;

WHEREAS, AURUM is willing to provide such Additional Services to Customer,

NOW, THEREFORE, AURUM and Customer hereby agree to amend the Agreement to
provide for such Additional Services as follows:

1.    Additional Services. In connection with AURUM's provision of the
      Additional Service to Customer AURUM will install at the AURUM Data Center
      the Information Technology, Inc, (ITI) Bill Payment Module and the
      Princeton eCom Interface ("Combined BPM and Princeton") including (i) all
      related programs, reports and notices; and (ii) transfer of bill payment
      files to Princeton eCom. AURUM will provide such Additional Services in
      accordance with this Addendum and the Agreement and such services will be
      deemed Additional Services under the Agreement for all purposes.

2.    Payments to AURUM. In consideration for the provision by AURUM of the
      Additional Services set forth above, Customer will pay AURUM the amounts
      set forth in Exhibit A attached hereto. Charges for such services will be
      due and payable in accordance with the terms of the Agreement and of this
      Addendum as follows: (i) Installation or set-up charges will be invoiced
      in conjunction with signing of this Addendum; (ii) Monthly charges will
      commence upon completion of the installation, but no later than 120 days
      from commencement of the installation project (except to the extent delays
      to installation completion are attributable to Aurum)

3.    Customer Responsibilities. Customer will be responsible for (i) all
      Customer's customer (a) set up and maintenance (b) instructions and
      training, (c) communications and marketing materials, (d) support and
      problem resolution, relating to its bill payment through Princeton eCom;
      (ii) review of all related reports; and (iii) assisting with all security
      specifications necessary for the implementation and testing of Combined
      BPM and Princeton.

4.    Disclaimer. Customer has agreed to contract with Aurum for Princeton eCom
      bill payment services. Customer understands and agrees that in no event
      shall AURUM be liable for or as a result of any late files, late
      transfers, or late payments nor for any interest, late fees, or other such
      fees assessed as a result thereof, except to the extent such are
      attributable to the gross negligence or willful misconduct of Aurum.

5.    Confirmation of Agreement. Except as amended by this Addendum, the
      Agreement will be and remain in full force and effect in accordance with
      its terms.

6.    Execution of Addendum. Four (4) original copies of this Addendum will be
      executed and submitted to AURUM by Customer. This Addendum will become
      effective as of the date set forth below when AURUM executes this
      Addendum. AURUM will return one of the executed copies to Customer.

Community Bank of Nevada
Date: 09/13/02

                                                                     Page 1 of 3
<PAGE>

AURUM TECHNOLOGY INC                           COMMUNITY BANK OF NEVADA

By: /s/ Brian Van Dyk                          By: /s/ Cathy Robinson
    -----------------                              ------------------
Printed                                        Printed
Name: Brian Van Dyk                            Name: Cathy Robinson
Title: President, Premier Division             Title: Executive Vice President
Date: 11/26/2002                               Date: 11/14/02

Community Bank of Nevada
Date: 09/13/02

                                                                     Page 2 of 3
<PAGE>

                                    EXHIBIT A
                         COMBINED BPM AND PRINCETON ECOM
                                SERVICE CHARGES

The monthly service fees for the Combined BPM and Princeton eCom are based on
the number of Account Records maintained on the System during each month.
Monthly service fees will not be prorated for a partial month. An "Account
Record" is defined as an end-customer account type including without limitation,
any open or closed DDA/Checking account, Savings account, Certificate of Deposit
account or Loan account, that are maintained on the System during the applicable
month.

<TABLE>
<S>                                                             <C>
One Time Charges

      Set Up and Installation Charge of host modules            $2,500*
      (Invoiced in conjunction with signing of the Addendum)

Monthly Charges - Based on Account Volume

      0 - 15,000                                                $  380*
      greater than 15,000                                       Request Quote
</TABLE>

      *per schedule C in current contract

Community Bank of Nevada
Date: 09/13/02

                                                                     Page 3 of 3
<PAGE>

                              ADDENDUM NUMBER FIVE
                               ADDITIONAL SERVICES
                        PRINCETON ECOM BILL PAY SERVICES

This ADDENDUM ("Addendum") to the Agreement for Information Technology Services
between Aurum Technology Inc. ("AURUM") and Community Bank of Nevada
("Customer"), dated as of November 15, 2001, as amended or modified, is
effective from the date it is executed by AURUM and shall remain in effect for
the term of the Agreement. Capitalized terms used in this Addendum will be as
defined in the Agreement unless otherwise defined in this Addendum.

WHEREAS, Customer desires that Aurum provide certain Additional Services to
Customer as set forth in this Addendum;

WHEREAS, Aurum is willing to provide such Additional Services to Customer;

NOW, THEREFORE, Aurum and Customer hereby agree to amend the Agreement to
provide for such Additional Services as follows::

1.    Additional Services. Aurum will provide the Additional Services in
      accordance with the terms and conditions set forth in Schedule A
      (including all Schedules and Exhibits attached thereto) attached to this
      Addendum.

2.    Rules of Contract Construction and Interpretation.

      (a)   Each of the provisions of the Agreement is incorporated by reference
            into this Addendum. Except as expressly amended by this Addendum,
            the Agreement is ratified, confirmed and remains unchanged in all
            respects and will be and remain in full force and effect in
            accordance with its terms.

      (b)   This Addendum supersedes and replaces any prior agreement (written
            or oral) as to its subject matter. If there is any conflict between
            the terms and conditions of this Addendum and other terms and
            conditions of the Agreement or any prior addendum to this Agreement,
            the terms and conditions of this Addendum shall prevail with respect
            to the Addendum.

      (c)   The term "Addendum" means, includes and incorporates this Addendum
            and all Schedules and Exhibits attached to this Addendum.

3.    Execution of Addendum. Four (4) original copies of this Addendum will be
      executed and submitted to Aurum by Customer. This Addendum will become
      effective as of the date set forth below when Aurum executes this
      Addendum. Aurum will return one of the executed copies to Customer.

AURUM TECHNOLOGY INC.                       COMMUNITY BANK OF NEVADA

By: /s/ Brian Van Dyk                       By: /s/ Cathy Robinson
   --------------------------------         ------------------------------
Printed                                     Printed
Name: Brian Van Dyk                         Name: Cathy Robinson
Title: President                            Title: Executive Vice President
Date: 11/26/2002                            Date: 11/14/02

                                       1
<PAGE>

                                   SCHEDULE A

                              BILL PAYMENT SERVICES

                 PROCESSING AGENT IS PRINCETON eCOM CORPORATION

                              ARTICLE I - SERVICES

1.1   Bill Payment Services. Aurum will provide the bill payment services listed
      herein ("Bill Payment Services") through the third party processing agent
      ("Processing Agent") subject to the terms and conditions of the agreement
      between Aurum and Processing Agent for the provision of Bill Payment
      Services. The Processing Agent selected by Customer is Princeton eCom
      Corporation. During the Schedule Term, Aurum agrees to provide to
      Customer, and Customer agrees to accept from Aurum, the Bill Payment
      Services, subject to the terms and conditions set forth herein. Customer
      agrees that Aurum shall be the sole and exclusive provider of the Bill
      Payment Services for the Customer. For purposes of the foregoing, the term
      "Customer" shall include Customer's affiliates.

1.2   Terms of Bill Payment Services. Aurum will provide Bill Payment Services
      to End User Customers upon the following conditions:

      (a)   Eligibility. Only the following End User Customers shall be eligible
      to receive Bill Payment Services: (i) consumer demand deposit account
      holders ("Consumer Account Holders"), or (ii) business demand deposit
      account holders ("Business Account Holders").

      (b)   Transaction Cap. Customer must select "Good Funds" Bill Payment
      Services model. The "Good Funds" model requires that the Processing Agent
      must receive good funds from the Customer before it will make payment on
      any End User Customer transactions. There is no monetary amount limitation
      (transaction cap) on End User Customer transactions in "Good Funds" model
      of Bill Payment Services.

      (c)   Credit Risk.

         (i) Customer bears the credit risk associated with potential Non
         Sufficient Funds ("NSF") or return items for all Consumer Account
         Holders.

         (ii) Customer bears the credit risk associated with NSF or return items
         for Business Account Holders.

      (d)   Risk Reduction Measures. Aurum or the Processing Agent may, from
      time to time, institute certain operating procedures to reduce credit risk
      and exposure ("Procedures"). Customer and all eligible End User Customers
      are subject to, and shall conform to, all such Procedures. Aurum shall use
      commercially reasonable efforts to inform Customer in advance of the
      implementation of such Procedures and Aurum will use commercially
      reasonable efforts to inform Customer within five (5) business days of
      Aurum's receipt of notice from the Processing Agent of the implementation
      of such Procedures.

1.3   Bill Payment Services Payment Processing.

      (a)   Accurate payment data provided by Customer on behalf of End User
      Customers in files supplied to the Processing Agent, will be taken through
      an interface from Aurum each business day. As between Aurum and Customer,
      Customer assumes responsibility for the accuracy and completeness of the
      payment data.

      (b)   Processing Agent will handle the transfer of funds in accordance
      with End User Customer payment instructions activated in accordance with
      sub-paragraph (a) above. Processing Agent will supply and transmit to
      Customer payment information for debit against the appropriate Customer
      settlement account. The Processing Agent will initiate ACH debits and
      credits. Credits may be sent via check, electronic transmissions, or ACH
      to payees.

      (c)   End User Customer inquiries regarding payments made on behalf of End
      User Customer to payees will be handled by the Customer.

<PAGE>

      (d)   From time to time, Processing Agent may make changes to the
      above-described Procedures. Aurum will use commercially reasonable efforts
      to notify Customer thirty (30) days in advance of any changes.

1.4   Late Fees. End User Customers are eligible for reimbursement of late fees
      attributable to payment errors by the Processing Agent under the current
      reimbursement policies of the Processing Agent.

1.5   Contract between Customer and Processing Agent. Aurum will assist Customer
      and Processing Agent in obtaining an executed agreement ("Service
      Agreement"), attached as Exhibit A-3 with the Customer concerning
      settlement of funds and support services. Aurum and Processing Agent shall
      not be required to process payments for the Customer if it does not
      execute a Service Agreement. Processing Agent shall have no obligation to
      enter into a Service Agreement with the Customer. The decision to enter
      into any Service Agreement shall be in Processing Agent's sole discretion
      and judgment. This Addendum shall be expressly conditioned on the
      execution of a Service Agreement between Customer and Processing Agent.

1.6   Aurum Premier eBanking Services and Core Processing. Aurum can not provide
      Bill Payment Services to the Customer unless Customer is receiving Aurum
      Premier eBanking Services and Aurum core processing. Therefore, during the
      Schedule Term, Customer is required to purchase Aurum Premier eBanking
      Services and to maintain Aurum as its core data processing vendor or to
      utilize Aurum provided systems for its core data processing. This Addendum
      is expressly conditioned on Customer purchasing such services and/or
      systems.

1.7   Regulatory Compliance for Bill Payment Services. Customer shall be
      responsible for (i) compliance with all state and federal laws and
      regulations governing banks and other financial institutions; (ii) any
      disclosure to its End User Customers with respect to the Bill Payment
      Services and each Customer product or service made available through the
      Aurum System ("Customer Product/Service"); (iii) the terms and conditions
      of any Customer Product/Service; (iv) the terms, conditions, and any
      limitations on which any Customer Product/Service may be accessed,
      utilized or transactions originated by any End User Customer; (v)
      determining the authority of any person accessing a Customer
      Product/Service; and (vi) preparing, maintaining, and monitoring
      compliance with verifiable documentation with respect to the foregoing.
      Customer acknowledges and agrees that Customer shall not rely upon Aurum
      for advice regarding compliance with governmental regulations. Customer
      must independently verify its compliance with such regulations through its
      own legal counsel. Aurum shall use commercially reasonable efforts, during
      the Schedule Term, to be in substantive compliance with federal rules and
      regulations as they relate to vendors of Bill Payment Services. In the
      event that there is a significant change in the manner by which the Bill
      Payment Services can be furnished hereunder, as a result of a regulatory
      compliance requirement, Aurum and Customer shall negotiate in good faith
      to resolve the compliance issue. If Aurum determines that compliance is
      cost prohibitive, Aurum may elect to terminate the Addendum without
      penalty, by furnishing Customer with thirty (30) days prior written
      notice. Regulatory disclosure requirements are the responsibility of
      Customer.

      If Customer believes that any modifications to the Aurum System are
      required under any laws, rules, or regulations, Customer will promptly so
      inform Aurum. Aurum will perform any modifications to the Aurum System or
      recommend changes to operating procedures of Customer that Aurum
      determines are necessary or desirable; provided, that if any such changes
      or modifications result in a significant increase in Aurum's cost of
      providing Bill Payment Services, Aurum will be entitled to increase the
      charges under this Addendum by an amount that reflects a pro rata
      allocation of Aurum's increased cost among the applicable Aurum customers.
      New or enhanced Aurum System features, functions, reports, or other
      services that may result from such modifications or recommendations may be
      provided as an Additional Service. Notwithstanding the foregoing, Customer
      acknowledges that the Aurum System may, from time to time, consist in part
      of System(s) licensed by Aurum from third-party vendor(s) and, therefore,
      Aurum shall have no duty or responsibility to modify any such third-party
      System under this Section, except to the extent that the vendor thereof
      has such a duty or responsibility to modify such System pursuant to the
      applicable license agreement between Aurum and such vendor.

1.8   Aurum System Changes. Aurum shall have the right to modify the Aurum
      System including, without limitation, to (i) make changes in the method of
      access to or delivery of the Aurum System including, without limitation,
      interface procedures ("Interface Changes"), (ii) make modifications to the
      Aurum System which are provided to Customer at no additional cost ("Aurum
      System Enhancements"). The identification in this Addendum of specific
      brands or names of third-party providers is for reference only. Customer
      acknowledges and agrees that it will not rely on such brand names

<PAGE>

      third-party providers is for reference only. Customer acknowledges and
      agrees that it will not rely on such brand names or third-party providers
      as a promise by Aurum to use any particular brand or third-party provider.
      Aurum reserves the right to substitute any brand or third-party provider
      of the Bill Payment Services, at its sole discretion, at any time with or
      without notice, provided that the quality of the Authorized Services is
      not materially diminished by such substitution.

1.9   Correction of Errors. Aurum will correct any errors in customer files that
      result in errors in reports or other output where such errors (i) are due
      solely to either malfunctions of Aurum's equipment or the Aurum Systems or
      errors of Aurum's operators, programmers, or other personnel, and (ii) are
      called to Aurum's attention within the time frames specified below. Aurum
      will, to the extent reasonably practicable, correct any other errors as an
      Additional Service. Customer will balance reports to verify master file
      information and will inspect and review all reports and other output
      (whether printed or electronically transmitted) created from data provided
      by Customer to Aurum. Customer will reject all incorrect reports or output
      (i) within two Business Days after receipt of daily reports or output,
      (ii) within five Business Days after receipt of annual, quarterly, or
      monthly reports or output, and (iii) within three Business Days after
      receipt of all other reports or output. This Section 1.9 sets forth
      Customer's exclusive remedies for errors in reports or other output
      provided by Aurum under this Addendum.

                                ARTICLE II - TERM

2.1   Schedule Term. This Addendum will begin on the Addendum Effective Date
      and, unless terminated earlier pursuant to the terms of the Agreement,
      will continue for a period of 54 months from the Addendum Effective Date
      (the "Initial Schedule Term"). Thereafter, this Addendum will
      automatically renew for successive terms of five (5) years each (the
      "Renewal Schedule Terms") unless either party gives the other party
      written notice at least six (6) months prior to the expiration date of the
      Initial Schedule Term or the Renewal Schedule Term then in effect that the
      Addendum will not be renewed beyond such Initial Schedule Term or Renewal
      Schedule Term.

                         ARTICLE III - PAYMENTS TO AURUM

3.1   Fees and Expenses. Customer shall pay the Bill Payment Services Fees
      listed in Exhibits A-1 and A-2 ("Bill Payment Services Fees"). Aurum shall
      invoice Customer monthly for all Bill Payment Services Fees, and Customer
      shall pay such fees, in accordance with the terms of the Agreement. At any
      time, Aurum may increase its fees in order to take into account any
      increase fees or assessments imposed by the Processing Agent.

                             ARTICLE IV - INDEMNITY

4.1.  Indemnification by Customer.

      (a)   Customer shall indemnify, defend and hold harmless Aurum, its
            officers, directors, shareholders, employees, agents and affiliates
            from and against any claims, losses, damages, liabilities or
            expenses (including, without limitation, reasonable attorneys' fees
            and expenses) (collectively, "Aurum Indemnified Claims") resulting
            from or arising out of (i) the use of (A) the Aurum System or any
            part thereof, and (B) the Bill Payment Services by Customer,
            Customer's agents or any End User Customer, including, without
            limitation, any misrepresentations made by Customer with respect to
            the Aurum System or the Bill Payment Services; (ii) Customer's
            noncompliance or alleged noncompliance with the provisions of
            applicable law or regulation, or (iii) Customer's violation of any
            provision of any agreement between Customer and any third party.

      (b)   Aurum shall promptly notify Customer in writing and in reasonable
            detail of any Aurum Indemnified Claim. Customer shall have the
            authority to control the defense and settlement of such Aurum
            Indemnified Claim, and Aurum shall give reasonable assistance to
            Customer to enable Customer to defend the Aurum Indemnified Claim.
            Aurum shall have the right, but not the obligation, to participate,
            at its own expense, with respect to any such Indemnified Claim. No
            such Aurum Indemnified Claim shall be settled or compromised by
            Customer without the prior written consent of Aurum if such
            settlement or compromise in any manner indicates that Aurum
            contributed to or was responsible for the cause of any such Aurum
            Indemnified Claim, or if such settlement or compromise imposes any
            obligations upon Aurum or requires Aurum to take any action.

      (c)   Customer shall not be liable for any Aurum Indemnified Claim under
            this Section 4.1 to the extent that such Aurum Indemnified Claim (i)
            is found in a final and binding arbitration award or a final
            non-appealable

<PAGE>

            judgment by a court of competent jurisdiction to have resulted from
            the gross negligence or willful misconduct of Aurum or (ii) is for
            any misrepresentations made by Customer with respect to the Aurum
            System or the Bill Payment Services, where such misrepresentation
            resulted from misrepresentations made to Customer by Aurum or
            Processing Agent with respect to the Aurum System or the Bill
            Payment.

      4.2.  Use of the System by Third Parties. The parties acknowledge that
            Customer is solely responsible for the use of the Bill Payment
            Services and/or Aurum System (and any resulting damages) by End User
            Customers and other third parties including, without limitation, any
            improper or unauthorized transfers of funds from accounts via the
            Bill Payment Services and/or Aurum System, any failure or delay in
            transmitting a message back from the Processing Agent or the use for
            any purpose of any financial calculators contained in the Aurum
            System.

                             ARTICLE V - DEFINITIONS

5.1   Definitions. In addition to all other terms defined in the Addendum and
      Schedules, the following terms as used in this Addendum and Schedule shall
      have the following meanings:

      (a)   "Agreement" means that certain Agreement for Information Technology
            Services ("Agreement") between Aurum and Customer, together with all
            Schedules and amendments attached hereto or hereafter attached by
            mutual consent of the parties (all of which are incorporated herein
            by reference).

      (b)   "Bill Payment Services" means the services provided for in this
            Addendum.

      (c)   "Aurum System" shall mean Systems, Software or applications provided
            by Aurum or Aurum's third party vendors, together with all Aurum
            System Enhancements and modifications made available to Customer
            under this Addendum.

      (d)   "End User Customer" means a customer, client or member of Customer
            who uses the Bill Payment Services.

      (e)   "Software" means that portion of the Aurum System that is comprised
            of Aurum's computer programs installed on Aurum's equipment.

      (f)   "System" or "Systems" are (i) computer programs, including without
            limitation software, firmware, application programs, operating
            systems, files, and utilities; (ii) supporting documentation for
            such computer programs, including without limitation input and
            output formats, program listings, narrative descriptions, operating
            instructions and procedures, user and training documentation,
            special forms, and source code; and (iii) the tangible media upon
            which such programs are recorded, including without limitation
            chips, tapes, disks, and diskettes.

      (g)   "Schedule Term" means the Initial Schedule Term and all Renewal
            Schedule Terms.

      (h)   "Premier eBanking Services" shall mean the Additional Services
            offered by Aurum as either Premierecom Internet Banking or
            Premierecorp Cash Management.

<PAGE>

                                   EXHIBIT A-1
                           BILL PAYMENT SERVICES FEES
                      (PROCESSING AGENT IS PRINCETON eCOM)

                         ONE-TIME AND RECURRING CHARGES

<TABLE>
<CAPTION>
         SERVICE                                  DESCRIPTION                            PRICE               UNIT
--------------------------     -------------------------------------------------    ---------------    -----------------
<S>                            <C>                                                  <C>                <C>
RECURRING CHARGES

BILL PAYMENT MONTHLY           Minimum Fee required to be paid if total Bill        See Exhibit A-2    Per Customer
MINIMUM                        Payment Transaction charges for the month are
                               less than the monthly minimum fee set forth
                               on Exhibit A-2.

BILL PAYMENT TRANSACTIONS*     Transaction triggered by End User Customer           See Exhibit A-2    Per Transaction
                               request to debit a checking account and generate
                               a payment to a payee

STOP PAYMENT                   Transaction triggered by Customer request to             $25.00         Per Transaction
                               issue a Stop Payment on a Bill Payment
                               transaction

MANUAL RE-ISSUED CHECK         Transaction triggered by End User Customer               $20.00         Per Transaction
                               request for a Manual Re-Issued Check on a
                               Bill Payment transaction

PHOTO COPIES                   Transaction triggered by Customer request for a          $10.00         Per Transaction
                               photo copy of a bill payment transaction

EXPRESS MAIL                   Transaction triggered by Customer request for a          $25.00         Per Transaction
                               bill payment transaction to be mailed with
                               priority delivery

DELETE PAYMENT                 Transaction triggered by Customer request to             $10.00         Per Transaction
                               delete an in-process bill payment transaction

RE-CREDIT                      Transaction triggered by Customer request to              $2.00         Per Transaction
                               re-credit funds to bill payment funding account

FED WIRE FEE                   Transaction triggered by Customer request to             $25.00         Per Transaction
                               process bill payment transaction via Fed Wire

REPORTING PACKAGE              Bill Payment Monthly Activity Report                     $125.00        Per Customer/Per
                                                                                                       Month

CONFIRMATION REPORT            Bill Payment transaction confirmation report              $0.00         Per Customer/Per
                                                                                                       Month

CUSTOMER SERVICE INTERFACE     Customer ID for access to End User Customer Bill         $35.00         Per ID/Per Month
(MINIMUM ONE REQUIRED)         Payment transaction detail
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
         SERVICE                                  DESCRIPTION                            PRICE               UNIT
--------------------------     -------------------------------------------------    ---------------    -----------------
<S>                            <C>                                                  <C>                <C>
ONE TIME CHARGES

INITIAL SETUP - BILL PAYMENT   Includes setup and implementation of Bill Payment    See Exhibit A-2    Per Customer
                               processing capability utilizing Processing Agent
                               to perform back-office bill payment fulfillment

ON-SITE TRAINING / SUPPORT     Customer requested on-site training or support       $1,400.00 plus     Per day
                                                                                        expenses

IMPLEMENTATION/TECHNICAL       All technical support                                    $175.00        Per hour
SERVICES

AD HOC REPORTS                 One time report requests                                  Quote         Per request

SYSTEM CUSTOMIZATION           Aurum can provide customization services in               Quote         Per request
                               support of Customer's needs or special
                               programming requests

CUSTOMER DEACTIVATION FEE      Fee to Deactivate Customer                                Quote         Per request
</TABLE>

<PAGE>

                                   EXHIBIT A-2

Per Schedule C of current customer contract, up to $2,500 of the Princeton ecom
set up fee will be waived.

<TABLE>
<CAPTION>
                             54 MONTHS                   4 YEARS                         3 YEARS
                     ------------------------    ------------------------       ------------------------
                                      MONTHLY                     MONTHLY                        MONTHLY
                     INITIAL SETUP    MINIMUM    INITIAL SETUP    MINIMUM       INITIAL SETUP    MINIMUM
                     -------------    -------    -------------    -------       -------------    -------
<S>                  <C>              <C>        <C>              <C>           <C>              <C>
< 15,000 ACCOUNTS       $2,750        $  350       $4,000          $ 350          $5,500          $ 350
PER TRANSACTION                       $ 0.50                       $0.55                          $0.60
</TABLE>

<PAGE>

                                   EXHIBIT A-3
                 CONTRACT BETWEEN CUSTOMER AND PROCESSING AGENT

PRINCETON eCOM CORPORATION
650 COLLEGE ROAD EAST
PRINCETON, NEW JERSEY 08540

      The undersigned ("Financial Institution"), as a customer of Aurum
Technology Inc. ("Aurum") and Princeton eCom Corporation ("eCom") hereby agree
and acknowledge as follows:

eCom and Aurum have entered into an agreement whereas eCom will provide
processing services for Financial Institution's customers initiated electronic
payments by and through Aurum. eCom will obtain from Aurum, as frequently and
procedurally as established during the Implementation Phase, the Payment Data.
Upon receipt of Payment Data, eCom will debit funds in an amount equal to the
Payment Data from the Designated Account of the Financial Institution ("Payment
Amount"). eCom has developed a portal based Customer Service Interface ("CSI")
which will allow Financial Institutions twenty - four hour (24) access to review
payment status and related functionality.

Debiting Designated Account. Financial Institution authorizes eCom to initiate
the ACH debit or wire draw down for the Payment Amount and agrees that the
corresponding funds in the Financial Institution's Designated Account are good
and available. Financial Institution acknowledges and understands that eCom is
relying on the information contained in the Payment Data and will be initiating
payments to various payees based on that information. Should there be
insufficient funds in the Financial Institution's Designated Account at the time
that eCom initiates the ACH debit, or for some other reason eCom is prevented
from receiving or collecting the Payment Amount, Financial Institution will
immediately fund the Designated Account and indemnify, reimburse and hold eCom
harmless from any and all losses or damages resulting therefrom.

Ownership of funds. All funds associated with the eCom Services provided
hereunder will be the property of Financial Institution. The Financial
Institution will be responsible to provide eCom the necessary instructions and
authorizations for eCom to initiate a Fed Wire or ACH debit from Financial
Institution of such amounts as are necessary to process the Payment Data and pay
for outstanding remittances. On each Business Day, the collected customer funds
will be held in a concentrated account by eCom for the benefit of certain third
parties ("Concentration Account"). eCom acknowledges and agrees that Financial
Institution has an undivided beneficial interest in the principal of all funds
in the Concentration Account, which undivided beneficial interest shall, on any
date, be equal to that percentage which (x) the principal payments from its
customers which have been deposited in the Concentration Account and have not
been disbursed from the Concentration Account as of that date relative to (y)
the aggregate principal of all funds in the Concentration Account at that date.
eCom agrees to maintain, and make available to Financial Institution detailed
records relating to credits received into, and disbursements made from, the
Concentration Account. eCom shall not commingle any of its own funds with such
funds but shall be permitted to commingle funds remitted by other eCom customers
held by eCom for their benefit for payment to designated payees with such funds.
Financial Institution and eCom agree that all interest and other earnings
accrued on the principal amount of Financial Institution funds deposited into
the Concentration Account shall be deemed adequate compensation to eCom for
administering, protecting, preserving, and reconciling all such deposits.

Customer Service Support. eCom will provide access to the Customer Service
Interface ("CSI") for the Financial Institution with support that will include
payment research, stop payment, reissue of check payments, and printed copies of
cleared checks. Financial Institution shall access various levels of customer
service through eCom's Customer Service Interface ("CSI") according to the terms
and conditions set forth by eCom, which may change from time to time upon
reasonable notice to Financial Institution.

Financial Institutions responsibilities with respect to CSI. The CSI will enable
Financial Institution to perform queries to find detailed information, perform
stop & reissues and stop & refunds on payments being processed by eCom, and view
digital check images. Financial Institution will have the responsibility to
create logins and assign access. Financial Institution will be given a password
and identifying login to enable access to the CSI ("ID"). Financial Institution
authorizes eCom to rely on this ID to identify Financial Institution, and to
follow the instructions of any person who has the correct ID. Financial
Institution's ID and instructions will have the same effect as Financial
Institution's signature, authorizing eCom to take the requested action.
Financial Institution must comply with all time requirements in order that its
instructions are carried out in a timely fashion.

                                       9
<PAGE>

Financial Institution agrees to take proper precautions to safeguard its ID and
maintain security regarding ownership, access and use of the ID. Financial
Institution is fully responsible for transactions made by any person to whom
Financial Institution gives the ID. Financial Institution shall change or delete
the ID upon an employee leaving the employment of the Financial Institution and
if the employee who maintains the main ID leaves the employment of the Financial
Institution, Financial Institution must advise eCom of said change within five
(5) Business Days. All CSI training materials received by Financial Institution
are considered proprietary and cannot be redistributed without written consent
from eCom. Financial Institution will be fully liable for the maintenance of
logins, assignment of originators and confidential information.

Counterparts/Facsimile. This agreement may be executed in counterparts and
facsimile signatures shall be effective as if original.

Financial Institutions address and contact person is as follows:

      Address: 1400 Rainbow Blvd

               Las Vegas, Nevada 89146

      Contact Person: Rich Elsmore

This Financial Institution Agreement may not be amended except in writing signed
by an authorized officer or representative of each of the parties.

                                     COMMUNITY BANK OF NEVADA

                                     BY: /s/ Cathy Robinson
                                        --------------------------

                                     NAME CATHY ROBINSON

                                     TITLE: EXECUTIVE VICE PRESIDENT

                                     DATE: 11/14/02

                                     PRINCETON eCOM CORPORATION

                                     By: /s/ Teresa Couney         for Princeton
                                        --------------------------
                                     NAME Teresa Couney

                                     TITLE: Vice President

                                     DATE: 12/15/02

                                       10
<PAGE>

                               ADDENDUM NUMBER SIX
                   ADDITIONAL SERVICES - OFAC REPORTING MODULE

This ADDENDUM ("Addendum") to the Agreement for Information Technology Services
("Agreement") between Aurum Technology Inc. ("AURUM") and Community Bank of
Nevada ("Customer"), dated as of November 15, 2001, as amended or modified, is
entered into between Aurum and Customer and is effective from the date it is
executed by AURUM and shall remain in effect for the term of the Agreement.
Capitalized terms used in this Addendum will be as defined in the Agreement
unless otherwise defined in this Addendum.

WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum;

WHEREAS, AURUM is willing to provide such Additional Services to Customer,

NOW, THEREFORE, AURUM and Customer hereby agree to amend the Agreement to
provide for such Additional Services as follows:

1.    Additional Services. In connection with AURUM's provision of the
      Additional Service to Customer, AURUM will install at the AURUM Data
      Center the Information Technology, Inc, (ITI) Office of Foreign Assets
      Control (OFAC) Reporting Module ("ORM") including all related extract and
      comparison programs and reports. AURUM will compare Customer's records to
      the most current OFAC list as directed by Customer and scheduled
      semi-annually by AURUM. AURUM will provide such Additional Services in
      accordance with this Addendum and the Agreement and such services will be
      deemed Additional Services under the Agreement for all purposes.

2.    Payments to AURUM. In consideration for the provision by AURUM of the
      Additional Services set forth above, Customer will pay AURUM the amounts
      set forth in Exhibit A attached hereto. Charges for such services will be
      due and payable in accordance with the terms of the Agreement and of this
      Addendum as follows: (i) Installation or set-up charges will be invoiced
      in conjunction with signing of this Addendum; (ii) Monthly charges will
      commence the month following completion of the installation and initial
      extract, but no later than 120 days from commencement of the installation
      project (unless delays to installation completion are attributable solely
      to Aurum).

3.    Customer Responsibilities. Customer will be responsible for (i) reviewing
      ORM Reports and taking appropriate action to verify accuracy of suspects
      reported; (ii) receiving and formatting extract file (if requested) and,
      (iii) performing maintenance to CIS records in order to be excluded from
      future reporting if deemed necessary.

4.    Confirmation of Agreement. Except as amended by this Addendum, the
      Agreement will be and remain in full force and effect in accordance with
      its terms.

5.    Execution of Addendum. Four (4) original copies of this Addendum will be
      executed and submitted to AURUM by Customer. This Addendum will become
      effective as of the date set forth below when AURUM executes this
      Addendum. AURUM will return one of the executed copies to Customer.

AURUM TECHNOLOGY INC.                         COMMUNITY BANK OF NEVADA

By: /s/ G.L. Farnam                           By: /s/ Cathy Robinson
   --------------------------                    ------------------------------
Printed                                       Printed
Name: G.L. Farnam                             Name: Cathy Robinson

Title: SVP                                    Title: Executive Vice President

Date: 11-14-02                                Date: 9/30/02

Amend#6 OFAC

                                                                               1
<PAGE>

                                    EXHIBIT A
                              OFAC REPORTING MODULE
                                SERVICE CHARGES

The monthly service fees for ORM are based on the number of Account Records
maintained on the System during each month and the Run Frequency as instructed
by the Customer. Monthly service fees will not be prorated for a partial month.
All Run Frequency fees will be annualized and billed monthly. An "Account
Record" is defined as an end-customer account type including without limitation,
any open or closed DDA/Checking account, Savings account, Certificate of Deposit
account or Loan account, that are maintained on the System during the applicable
month.

<TABLE>
<CAPTION>
                   Description                                                  Service Fee
                   -----------                                                  -----------
<S>                                                                             <C>
One Time Charges

Installation (Invoiced in conjuction with signing of the Addendum
(includes installation of host module and initial extract)
0        -  15,000                                                              $1,650

Monthly Service Fees

(billed monthly beginning month following initial extract)
Based on Account Volume

0 -  7,500                                                                      $   25
0 - 15,000                                                                      $   50
0 - 24,000                                                                      $   85
greater than 24,000                                                             Request Quote
</TABLE>

Per Run Frequency
(billed monthly beginning month following initial extract)

<TABLE>
<CAPTION>
                            Monthly           Quarterly         Semi/Ann           Annual            On Request
                            -------           ---------         --------           ------            ----------
<S>                         <C>               <C>               <C>                <C>               <C>
0      - 15,000             $  50              $    25          $ 12.50            $  6.25              $150
15,001 - 36,000             $ 100              $    50          $ 25.00            $ 12.50              $250
greater than 36,000                                                                Request Quote

Per Fixed or Delimited File                                                        $    25
</TABLE>

<PAGE>

                              ADDENDUM NUMBER SEVEN
                               ADDITIONAL SERVICES
                             ADDITIONAL INSTITUTION

This ADDENDUM ("Addendum") to the Agreement for Information Technology Services
between Aurum Technology Inc. ("AURUM") and Community Bank of Nevada
("Customer"), dated as of November 15, 2001, as amended or modified, is
effective from the date it is executed by AURUM and shall remain in effect for
the term of the Agreement. Capitalized terms used in this Addendum will be as
defined in the Agreement unless otherwise defined in this Addendum.

WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum;

WHEREAS, AURUM is willing to provide such Additional Services to Customer;

NOW, THEREFORE, AURUM and Customer hereby agree to amend the Agreement to
provide for such Additional Services as follows:

1.    Additional Services. In connection with AURUM's provision of the
      Additional Service to Customer, AURUM will establish a new institution -
      Bank Subsidiary for processing Stockholder, General Ledger and Loans
      Accounting Transactions. AURUM will provide such Additional Service in
      accordance with this Addendum and the Agreement and such service will be
      deemed an Additional Service under the Agreement for all purposes.

2.    Payments to AURUM. In consideration for the provision by AURUM of the
      Additional Services set forth above, Customer will pay AURUM the amounts
      set forth in Exhibit A attached hereto. Charges for such services will be
      due and payable in accordance with the terms of the Agreement and of this
      Addendum as follows: (i) Installation or set-up charges will be invoiced
      in conjunction with signing of this Addendum; (ii) Monthly charges will
      commence upon completion of the installation,but no later than 120 days
      from commencement of the installation project (except to the extent delays
      to installation completion are attributable to Aurum)

3.    Customer Responsibilities. Customer will (i) assist with the development
      and entry of necessary ITI module specifications; (ii) assist with all
      testing and validation of during implementation; (iii) input and maintain
      all account information etc. required by the applications; (iv) print
      notices and reports via OMS/Director.

4.    Confirmation of Agreement. Except as amended by this Addendum, the
      Agreement will be and remain in full force and effect in accordance with
      its terms.

5.    Execution of Addendum. Four (4) original copies of this Addendum will be
      executed and submitted to AURUM by Customer. This Addendum will become
      effective as of the date set forth below when AURUM executes this
      Addendum. AURUM will return one of the executed copies to Customer.

AURUM TECHNOLOGY INC                             COMMUNITY BANK OF NEVADA

By: /s/ Brian Van Dyk                            By: /s/ Cathy Robinson
    ----------------------                          ------------------------
Printed                                          Printed
Name: Brian Van Dyk                              Name: Cathy Robinson

Title: President, Premier Division               Title: Executive Vice President

Date: 11/26/2002                                 Date: 11/14/02

Community Bank of Nevada
Date: 11/01/02

                                                                     Page 1 of 2
<PAGE>

                                    EXHIBIT A
                             ADDITIONAL INSTITUTION
                                 SERVICE CHARGES

The monthly service fee for the Additional Institution is based on the number
of Account Records maintained on the System during each month. Monthly service
fees will not be prorated for a partial month. An "Account Record" is defined as
an end-customer account type including without limitation, any open or closed
DDA/Checking account, Savings account, Certificate of Deposit account or Loan
account, that are maintained on the System during the applicable month.

As an Additional Service under the Agreement, Aurum will provide Customer with
the Access to an additional institution to be used for Bank Holding Company. The
accesses provided in this service are to LAS, CIS, SCM, EIM, HCM, SHS, IES and
FMS. The charges for this Service are as follow:

<TABLE>
<S>                                 <C>
Installation Charge                 $2500.00

Monthly Base Charge                 $ 500.00

Monthly Delivery fee Reports        $ 150.00
</TABLE>

Plus standard per account costs.

Additional modules will be quoted upon request.

Community Bank of Nevada
Date: 11/01/02

                                                                     Page 2 of 2
<PAGE>

                              ADDENDUM NUMBER EIGHT
                               ADDITIONAL SERVICES
                             HOLDING COMPANY MODULE

This ADDENDUM ("Addendum") to the Agreement for Information Technology Services
between Aurum Technology Inc. ("AURUM") and Community Bank of Nevada
("Customer"), dated as of November 15, 2001, as amended or modified, is
effective from the date it is executed by AURUM and shall remain in effect for
the term of the Agreement. Capitalized terms used in this Addendum will be as
defined in the Agreement unless otherwise defined in this Addendum.

WHEREAS, Customer desires that Aurum Technology provide certain Additional
Services to Customer as set forth in this Addendum;

WHEREAS, Aurum Technology is willing to provide such Additional Services to
Customer;

NOW, THEREFORE, Aurum Technology and Customer hereby agree to amend the
Agreement to provide for such Additional Services as follows:

1.    Additional Services. Aurum Technology will provide to Customer, as an
      Additional Service, the Holding Company (HCM) module. Aurum Technology
      will provide such Additional Service in accordance with this Addendum and
      the Agreement and such service will be deemed an Additional Service under
      the Agreement for all purposes.

2.    Payments to Aurum Technology. In consideration for the provision by Aurum
      Technology of the Additional Service set forth above, Customer will pay
      Aurum Technology the amounts set forth in Exhibit A attached hereto.
      Charges for such services will be due and payable in accordance with the
      terms of the Agreement.

3.    Customer Responsibilities. Customer will (i) assist with the development
      and entry of necessary ITI Holding Company module specifications; (ii)
      assist with all testing and validation of the Holding Company module
      during implementation; (iii) input and maintain all account information
      etc. required by the applications; (iv) print notices and reports via
      OMS/Director.

4.    Confirmation of Agreement. Except as amended by this Addendum, the
      Agreement will be and remain in full force and effect in accordance with
      its terms.

5.    Execution of Addendum. Four (4) original copies of this Addendum will be
      executed and submitted to Aurum Technology by Customer. This Addendum will
      become effective as of the date set forth below when Aurum Technology
      executes this Addendum. Aurum Technology will return one of the executed
      copies to Customer.

AURUM TECHNOLOGY INC                          COMMUNITY BANK OF NEVADA

By: /s/ Brian Van Dyk                         By: /s/ Cathy Robinson
    ----------------------                        -----------------------
Printed                                       Printed
Name: Brian Van Dyk                           Name: Cathy Robinson

Title: President, Premier Division            Title: Executive Vice President

Date: 11/26/2002                              Date: 11/14/02

Community Bank of Nevada
Date: 11/01/02

                                                                     Page 1 of 2
<PAGE>

                                    EXHIBIT A
                             HOLDING COMPANY MODULE
                                SERVICE CHARGES

The monthly service fees for the Holding Company module are based on the number
of Account Records maintained on the System during each month. An "Account
Record" is defined as an end-customer account type including without limitation,
any open or closed DDA/Checking account, DDL account, Savings account,
Certificate of Deposit account, Loan account or Investor loan, that are
maintained on the System during the applicable month.

      Description                           Service Fee

      One Time Installation - invoiced in conjunction with signing of the
      Addendum

      Start Up Fee                          $1,250 plus out of pocket expenses*

      *to be billed in conjunction with installation of additional modules
      (Schedule C, III)

      Monthly - Based on Account Volume - begins with completion of the
      installation

      No monthly charge - basic service in Schedule A

      Monthly per Institution charge of $200 each and standard per account
      charges.

Community Bank of Nevada
Date: 11/01/02

                                                                     Page 2 of 2
<PAGE>

                                   ADDENDUM #9
                               ADDITIONAL SERVICES
                              PRIME-SERVICE BUREAU

This ADDENDUM ("Addendum") to the Agreement for Information Technology Services
between Aurum Technology Inc. ("AURUM") and Community Bank of Nevada
("Customer"), dated as of November 15, 2001, as amended or modified, is
effective from the date it is executed by AURUM and shall remain in effect for
the term of the Agreement. Capitalized terms used in this Addendum will be as
defined in the Agreement unless otherwise defined in this Addendum

WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum;

WHEREAS, AURUM is willing to provide such Additional Services to Customer;

NOW, THEREFORE, AURUM and Customer hereby agree to amend the Agreement to
provide for such Additional Services as follows:

1.    Additional Services. AURUM will provide to Customer, as Additional
      Services, the Information Technology, Inc. (ITI) Prime Data Warehouse and
      Ad Hoc Reporting Module ("Prime"), including: Prime Service Bureau Server
      Access; Application Extracts (templates) as requested and scheduled
      (Exhibit B); installation of one (1) Prime Impromptu Administrator
      workstation; retention of one version of the most current extracts; and
      initial Prime report writing training. AURUM will provide such Additional
      Services in accordance with this Addendum and the Agreement and such
      services will be deemed Additional Services under the Agreement for all
      purposes. AURUM agrees to make extract files available to Customer at the
      earliest feasible time. Notwithstanding the foregoing, Customer
      acknowledges that availability of the latest extract file is subject to
      unforeseen delays due to high processing volumes or production problems,
      and agrees that AURUM shall not be liable to Customer for such delays.

2.    Payments to AURUM. In consideration for the provision by AURUM of the
      Additional Services set forth above, Customer will pay AURUM the amounts
      set forth in Exhibit A attached hereto. Charges for such services will be
      due and payable in accordance with the terms of the Agreement and of this
      Addendum as follows: (i) Installation or set-up charges will be invoiced
      in conjunction with signing of this Addendum; (ii) Monthly charges will
      commence upon completion of the installation, but no later than 120 days
      from commencement of the installation project (unless delays to
      installation completion are attributable solely to Aurum). Customer may
      expand the Additional Services provided hereunder, such as adding
      additional users or licenses, upon request. Such expanded Additional
      Services shall be subject to the pricing current as of the date of such
      request.

3.    Customer Responsibilities. Customer will (i) provide all hardware/software
      necessary to meet ITI minimum requirements for Prime workstations and for
      host connectivity, (ii) identify Customer personnel to be trained for
      Prime who are thoroughly familiar with Microsoft Windows features and the
      ITI applications; (iii) license Impromptu Administrator software; (iv)
      assist with all security specifications necessary for the implementation
      and testing of Prime; and (v) within sixty (60) days of completion of the
      installation, convert existing Selective Management Access Reports (SMART)
      to Prime and discontinue use of SMART scheduled for the same extract
      frequency as Prime.

4.    Confirmation of Agreement. Except as amended by this Addendum, the
      Agreement will be and remain in full force and effect in accordance with
      its terms.

5.    Execution of Addendum. Four (4) original copies of this Addendum will be
      executed and submitted to AURUM by Customer. This Addendum will become
      effective as of the date set forth below when AURUM executes this
      Addendum. AURUM will return one of the executed copies to Customer.

Community Bank of Nevada
Date: 11/01/02

                                                                     Page 1 of 7
<PAGE>

AURUM TECHNOLOGY INC                             COMMUNITY BANK OF NEVADA

By: /s/ Gary Farnam                              By: /s/ Cathy Robinson
    -------------------                              --------------------------
Printed                                          Printed
Name: Gary Farnam                                Name: Cathy Robinson

Title: Senior Vice President, Premier Division   Title: Executive Vice President

Date: 11-21-02                                   Date: 11/14/02

Community Bank of Nevada
Date: 11/01/02

                                                                     Page 2 of 7
<PAGE>

                                    EXHIBIT A
                              PRIME SERVICE BUREAU
                                SERVICE CHARGES

The monthly service fee for Prime is based on the maximum number of Account
Records maintained on the System during each month. Monthly service fees will
not be prorated for a partial month An "Account Record" is defined as an
end-customer account type including without limitation, any open or closed
DDA/Checking account, DDL account, Savings account, Certificate of Deposit
account or Loan account, that are maintained on the System during the applicable
month. For purposes of this Additional Service, the Standard Frequency is
designated as: a Weekly extract after the Friday update and available on Monday
morning, and a Month End extract completed the first weekend following month end
and available on the following Monday morning. A Premium, Frequency designates a
Prime extract at any other time.

One Time Charges

      Prime Set Up Fees and Installation/Training Charge -Invoiced in
      conjunction with signing of the Addendum (Includes host module & standard
      extract templates, 1 Administrator Workstation and up to 2 User
      Workstations, 1 day of Training)

<TABLE>
<S>                                           <C>
     Server Access Set Up Fee                 $ 2,500
     Prime Report Writing Training (1 day)    $ + related travel expenses
     Additional Training                      $   960 per day
     Additional Workstations                  $   100 each
     Additional Templates                     $    50 each

Impromptu Administrator License*

     Administrator & Advance Maintenance      $ 1,194
     Sequel User - required per User          $ obtain quote

Impromptu User License*

     User & Advance Maintenance               $   954
     Sequel User-required per User            $ obtain quote

Monthly Prime Server Charge - Based on Account Volume

  0  -   15,000                               $   300
  0  -   Request Quote
</TABLE>

* indicates charges that will be billed to you by ITI

Amend#9 PrimeSB

                                                                             A-1
<PAGE>

                                    EXHIBIT A
                              PRIME SERVICE BUREAU
                                SERVICE CHARGES

Monthly STANDARD Extract Charge: Weekly (after Friday's update) - Month End (not
next day delivery)

<TABLE>
<CAPTION>
                                          Weekly         Month End
                                          ------         ---------
<S>                                       <C>            <C>
     0        -         15,000            included       included
     over 15,000        Request Quote

Monthly Database Retention - in addition to current version

     Daily Extracts                                       $   10
     Monthly                                              $25.00

Additional Application Extracts

     Per Application - Per Month                          $50.00
</TABLE>

Amend#9 PrimeSB

                                                                             A-2
<PAGE>

                                    EXHIBIT B
                                  PRIME EXTRACT

STANDARD DAILY PRIME FILES
6 APPLICATIONS - 25 FILES

Central Information System
      CIS Master File
      CIS Addenda File
      Flex Data

Demand Deposit Account
      DDA Master File
      DDA Transaction Overflow
      DDA Loan Master File
      DDA Addenda File
      DDA Tran Description File
      DDA Analysis History File

Financial Management System
      FMS Account Master File
      FMS Transaction File
      FMS Transaction Description File

Savings Accounting System
      SAV Master File
      SAV Transaction Overflow
      SAV Addenda File
      SAV Tran Description File

Certificate of Deposit System
      COD Master File
      COD Transaction Overflow
      COD Addenda File
      COD Tran Description File

Loan Accounting System
      LAS Line Master File
      LAS Note Master File
      LAS Addenda File
      LAS Note Transaction File
      Student Loan Master File

Amend#9 PrimeSB

                                                                             B-1
<PAGE>

                                   EXHIBIT B
                                 PRIME EXTRACT

STANDARD WEEKLY PRIME FILES
10 APPLICATIONS - 37 FILES

Central Information System                    Bill Payment Module
      CIS Master File                             BPM Master File
      CIS Addenda File                            BPM Transaction File
      Flex Data                                   BPM Checkfree Customer File

Demand Deposit Account                        Accounts Payable System
      DDA Master File                             APS Invoice Master File
      DDA Transaction Overflow                    APS Vendor File
      DDA Loan Master File                        APS Invoice Expense File
      DDA Addenda File                            APS History File
      DDA Tran Description File
      DDA Analysis History File               Check Reconciliation System
                                                       CRS Client Master File
Financial Management System                       CRS Check Master File
      FMS Account Master File
      FMS Transaction File                    Retirement Reporting Module
      FMS Transaction Description File            RRM Customer File
                                                  RRM Plan File
Savings Accounting System                         RRM Account File
      SAV Master File
      SAV Transaction Overflow
      SAV Addenda File
      SAV Tran Description File

Certificate of Deposit System
      COD Master File
      COD Transaction Overflow
      COD Addenda File
      COD Tran Description File

Loan Accounting System
      LAS Line Master File
      LAS Note Master File
      LAS Addenda File
      LAS Note Transaction File
      Student Loan Master File

Amend#9 PrimeSB

                                                                             B-2
<PAGE>

                                   EXHIBIT B
                                 PRIME EXTRACT

MONTH END PRIME FILES
20 APPLICATIONS - 56 FILES

Central Information System               On-Line Loan Collection
      CIS Master File                         OLC Collector File
      CIS Addenda File                        OLC Master File
      Flex Data                               OLC Transaction Addenda File
                                              OLC Description Addenda File
Demand Deposit Account
      DDA Master File                    Bill Payment Module
      DDA Transaction Overflow                BPM Master File
      DDA Loan Master File                    BPM Transaction File
      DDA Addenda File                        BPM Checkfree Customer File
      DDA Tran Description File
      DDA Analysis History File          Financial Management System
                                              FMS Account Master File
Savings Accounting System                     FMS Transaction File
      SAV Master File                         FMS Transaction Description File
      SAV Transaction Overflow
      SAV Addenda File                    Accounts Payable System
      SAV Tran Description File               APS Invoice Master File
                                              APS Vendor File
Certificate of Deposit System                 APS Invoice Expense File
      COD Master File                         APS History File
      COD Transaction Overflow
      COD Addenda File                    Bond Accounting System
      COD Tran Description File               BAS Account Master File
                                              BAS Source File
Loan Accounting System                        BAS Transaction File
      LAS Line Master File
      LAS Note Master File                Check Reconciliation System
      LAS Addenda File                        CRS Client Master File
      LAS Note Transaction File               CRS Check Master File
      Student Loan Master File
                                          Connect3 Electronic Banking
Debit Card Module                             Connect3 Transaction History File
      Debit Card Master File                  Connect3 Caller Record

Safe Deposit Box System                   Fixed Asset System
      SDB Master File                         FAS Master File

Retirement Reporting Module               Stockholder Accounting System
      RRM Customer File                       SHS Master File
      RRM Plan File                           SHS Certificate Overflow File
      RRM Account File                        SHS Plan Overflow File

ATM Processing System                     Teller Terminal Processing System
      ATM Customer Summary File               TTM History File
      ATM Transaction Summary File
                                          Stop Payments
Item Entry System

Amend#9 PrimeSB

                                                                             B-3
<PAGE>

                              AURUM TECHNOLOGY INC.
                            COMPLIANCE ADDENDUM (#10)

THIS COMPLIANCE ADDENDUM by and between Aurum Technology Inc., a Delaware
corporation with its principal place of business located in Plano, Texas
("Aurum"), and Customer, as identified below, (each of Aurum and Customer, a
"party," and collectively, the "parties") is made as of the later of the dates
on which the parties sign below and is intended by the parties to be an
amendment to each and every agreement between the parties relating to Aurum's
providing Customer information technology services.

DATA OWNERSHIP & PRIVACY

1.    All information of Customer (including that of its customers) provided to
Aurum by Customer and contained in Aurum's data files, is the exclusive property
of Customer, and Aurum is only the custodian of that information. Except as may
be otherwise provided in an agreement (regardless of whether it is called a
schedule, addendum, contract, agreement or otherwise), both Aurum and Customer
(and, as to both parties, their employees, agents and independent contractors)
will receive and hold all information communicated to one by the other or the
other's affiliates, whether before or after the date of an agreement, in strict
confidence, will use such information only for purposes of an agreement and will
not disclose such information without the prior written consent of the other
party. Each party will take all commercially reasonable precautions to prevent
the disclosure to outside parties of such information including, but not limited
to, the terms of an agreement, except as required by legal, accounting or
regulatory requirements (including requirements of a Federal or state regulatory
authority with jurisdiction over Customer or Customer's business). If a party is
required to disclose any information of the other party in accordance with any
such legal, accounting or regulatory requirements, then such party will, unless
otherwise prohibited by law, promptly notify the other party of such requirement
and will cooperate with such other party (at their expense) in their efforts, if
any, to avoid or limit such disclosure (including, without limitation, obtaining
an injunction or an appropriate redaction of the information in question). The
provisions of this section will survive the expiration or termination of any or
all agreement(s).

2.    Promptly after the termination or expiration of the term applicable to an
agreement and the payment to Aurum of all fees and charges due under such
agreement, Aurum will, at Customer's request and expense, return to Customer all
of Customer's information with respect to such terminated or expired agreement
in Aurum's then standard machine-readable format and media. The provisions of
this section will survive the expiration or termination of any or all
agreement(s).

3.    Aurum will use commercially reasonable efforts to (a) ensure the security
and confidentiality of Customer information (including that of its customers),
(b) protect against any anticipated threats or hazards to the security or
integrity of such information and (c) protect against unauthorized access to or
use of such information that could result in substantial harm or inconvenience
to any Customer. Aurum will employ and maintain controlled access to systems in
its data centers and other facilities where such information is located.

4.    Customer will inform Aurum prior to creating any connection to the
Internet or to any third-party computer network if such connection is made from
any point on Customer's computer network that is connected to Aurum's network.
Customer will, prior to making such a connection, first obtain (and Aurum will,
at Customer's request, provide a copy of) the firewall and Internet security
policy of Aurum and will abide by the rules contained in it as the same may be
amended from time to time to keep current with technology. Customer will be
solely responsible for complying with the most current requirements of such
policy.

BUSINESS CONTINUITY

5.    Aurum will maintain for its own protection, with carriers that it deems in
its sole discretion appropriate and in amounts that it determines in its sole
discretion to be adequate, errors and omissions and employee dishonesty coverage
for its personnel and insurance coverage for loss from fire, disaster or other
causes contributing to interruption of normal services, reconstruction of data
file media and related processing costs, additional expenses incurred to
continue operations and business interruption to reimburse Aurum for losses
resulting from suspension of services due to physical loss of equipment.

<PAGE>

6.    Each party will develop, maintain and, as necessary in the event of
business interruption, execute a business resumption plan and will provide to
the other party, its auditors and regulators access to the plan and to plan test
results as such other party may reasonably request from time to time, including
such information that may be reasonably required to ensure that the plans are
compatible. Aurum will not provide access to information of other Aurum
customers.

7.    Each party will be responsible for training its own personnel as required
in connection with all applicable contingency planning activities.

8.    Each party's contingency planning activities will comply with such of the
following regulatory policies as may be applicable to Customer's business, as
the same may be amended or replaced from time to time: (a) Federal Deposit
Insurance Corporation, Financial Institution Letter FIL-68-97, dated July 14,
1997; (b) Federal Reserve System Supervision and Regulation, Number SR 97-15,
dated May 2, 1997; (c) Office of the Comptroller of the Currency, OCC 97-23,
dated May 16, 1997; (d) Office of Thrift Supervision, CEO Ltr 72, dated July 23,
1997; and (e) National Credit Union Administration, Letter to Credit Unions No.
97-CU-3, dated April 7, 1997. If compliance with any amendments or replacements
of these policies would significantly increase Aurum's cost of providing
products or services, Aurum will be entitled to increase the fees and charges
under an agreement by an amount that reflects a pro rata allocation of Aurum's
increased cost among the Aurum customers affected by the change.

EXAMINATIONS & AUDITS

9.    Aurum will provide auditors and inspectors that Customer designates in
writing with reasonable access to its facilities during business hours for the
limited purpose of performing audits or inspections of Customer's business.
Aurum will provide the assistance to such auditors and inspectors as Aurum deems
reasonable. Customer will bear all expenses associated with such audit or
inspection and will also compensate Aurum for any services provided in
connection with the audit or inspection. Customer will insure that any audit or
inspection requested by Customer will be conducted without undue disruption to
Aurum's business or operations. Aurum will not (a) provide access to information
of other Aurum customers or (b) permit access to its facilities during such
times as Aurum deems that such access would be likely to create undue disruption
to its operations.

10.   Each year during the term of an agreement, Aurum will provide to Customer,
at Customer's request and at no additional charge, one copy of Aurum's most
recent audited financial statements.

11.   Aurum will provide to Customer, at Customer's request and at Aurum's then
standard charge, one copy of Aurum's most recent service auditor's report,
performed pursuant to nationally recognized auditing standards for service
organizations, applicable to the services provided by Aurum to Customer.

THE AUTHORIZED OFFICER OR REPRESENTATIVE OF EACH PARTY has signed this
COMPLIANCE ADDENDUM as a legally binding obligation of such party.

COMMUNITY BANK OF NEVADA                             AURUM TECHNOLOGY INC.
("CUSTOMER")

By: /s/ Cathy Robinson                        By: /s/ Gary L. Farnam
    ------------------                            ----------------------
Name: Cathy Robinson                          Name: Gary L. Farnam

Title: EVP/CFO                                Title: SVP

Date: 1/3/03                                  Date: 12-5-02

<PAGE>

                             ADDENDUM NUMBER ELEVEN
                              ADDITIONAL SERVICES
                            COMMUNITY BANK OF NEVADA

THIS ADDENDUM ("Addendum") to the Agreement for Information Technology Services
("Agreement") between Aurum Technology Inc.("AURUM") and Community Bank of
Nevada ("Customer"), dated as of September 10, 1996, as amended or modified, is
between Customer and AURUM. Capitalized terms used in this Addendum will be as
defined in the Agreement unless otherwise defined in this Addendum.

WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum;

WHEREAS, AURUM is willing to provide such Additional Services to Customer;

NOW, THEREFORE, AURUM and Customer hereby agree to amend the Agreement to
provide for such Additional Services as follows:

1.    Additional Service.

      (a)   In connection with AURUM'S provision of the Additional Service to
      Customer, AURUM will install at the AURUM Data Center the ITI Delinquent
      Child Support for All accounts module ("DCSA") for AURUM's use in
      generating the Quarterly All Accounts File (as defined in subsection (b)
      below).

      (b)   As directed by Customer, AURUM will provide to (i) Customer, (ii)
      Customer's designated third party provider or (iii) the applicable
      government agency (the "Reporting Agency"), a quarterly file of all open
      Accounts Records (the "Quarterly All Accounts File") for purposes of
      participating in the Child Support Performance and Incentive Act of 1998
      and/or the Personal Responsibility and Work Opportunity Reconciliation Act
      of 1996, as applicable (collectively, the "Financial Institution Data
      Match Program").

      (c)   The Quarterly All Accounts File will contain such information about
      Customer account holders as specified by the Financial Institution Data
      Match Program.

      (d)   For purposes of this Addendum, an "Account Record" is defined as an
      end-customer account type (including without limitation, any open or
      closed DDA/checking account, savings account, certificate of deposit
      account, loan account or Investor loan) plus general ledger accounts, that
      are maintained on the AURUM Systems during the applicable month.

      (e)   AURUM will provide such Additional Service in accordance with this
      Addendum and the Agreement and such service will be deemed an Additional
      Service under the Agreement for all purposes. The term of this Addendum
      shall be co-terminous with the Agreement

2.    Payments to AURUM. In consideration for the provision by AURUM of the
      Additional Service set forth above, Customer will pay AURUM the amounts
      set forth in Exhibit A attached hereto. Charges for such services will be
      due and payable in accordance with the terms of the Agreement.

DCS All                                                        February 28, 2001

                                       1
<PAGE>

3.    Customer Responsibilities. Customer will (i) notify their respective
      Reporting Agency that AURUM will be the transmitter of the Quarterly All
      Accounts File, if applicable, and (ii) assist with establishing the ITI
      DCSA module specifications as required by the Financial Institution Data
      Match Program.

4.    Privacy Laws. The parties acknowledge and agree that Customer will be and
      remain the controller of information relating to Customer or its customers
      ("Customer Data") for purposes of all applicable laws relating to data
      privacy, transborder data flow and data protection (collectively, the
      "Privacy Laws"), and nothing in the Agreement or this Addendum will
      restrict or limit in any way Customer's rights or obligations as owner
      and/or controller of the Customer Data for such purposes. Customer will
      indemnify, defend, and hold harmless AURUM from any and all actions,
      damages, liabilities, costs, and expenses, including without limitation
      reasonable attorney's fees and expenses, arising out of any claim, action
      or cause of action made by any third party against AURUM relating to or
      arising out of this Addendum or the Additional Service, except to the
      extent such claim arose as a result of AURUM's gross negligence or willful
      misconduct.

5.    Confirmation of Agreement. Except as amended by this Addendum, the
      Agreement will be and remain in full force and effect in accordance with
      its terms.

6.    Execution of Addendum. Four (4) original copies of this Addendum will be
      executed and submitted to AURUM by Customer. This Addendum will become
      effective as of the date set forth below when AURUM executes this
      Addendum. AURUM will return one of the executed copies to Customer.

IN WITNESS WHEREOF, the parties have executed this Addendum as of May 7, 2001.

AURUM TECHNOLOGY INC.                              COMMUNITY BANK OF NEVADA

By: _________________________________              By: /s/ Cathy Robinson
                                                      ---------------------

Printed                                            Printed
Name:________________________________              Name: Cathy Robinson

Title:_______________________________              Title: C.F.O.

Date:________________________________              Date: 5/7/01

DCS All                                                        February 28, 2001

                                       2
<PAGE>

                                    EXHIBIT A
                        FINANCIAL INFORMATION DATA MATCH
                      SERVICE CHARGES - ALL ACCOUNTS FILE

The monthly service fees for the Additional Service are based on the number of
Account Records maintained on the AURUM Systems at the end of each month.

Description

<TABLE>
<CAPTION>
One Time Installation of the ITI Module         Service Fee
---------------------------------------         -----------
<S>                                             <C>
Installation/Testing                              $750.00

Monthly

Number of Account Records
1 - 15,000                                        $ 92.00
1 - 36,000                                        $131.00
1 - 48,000                                        $164.00
1 - 64,000                                        $208.00
1 - 88,000                                        $267.00
</TABLE>

Quote available for accounts over maximum listed

                                                              February 28, 2001

                                      A-1
<PAGE>

                             ADDENDUM NUMBER TWELVE
                              AURUM TECHNOLOGY INC.
                      ADDENDUM TO COMMUNITY BANK OF NEVADA
                        FOR ADDITIONAL SERVICES - eVision

THIS ADDENDUM (this "Addendum") by and between Aurum Technology Inc., a Delaware
corporation with its principal place of business located in Plano, Texas
("Aurum"), and Customer, as identified below, (each of Aurum and Customer, a
"party," and collectively, the "parties") is effective as of the date specified
below , and is intended by the parties to be an amendment to the agreement
between the parties relating to Aurum's providing Customer item processing
services (the "Agreement") for Information Technology Services dated November
11, 2001.

Unless otherwise specifically provided for herein, all other terms and
conditions of the Agreement remain in force and effect and are applicable to
this Addendum.

WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Amendment and AURUM is willing to provide such
Additional Services to Customer;

NOW, THEREFORE, AURUM and Customer hereby agree to amend the Agreement as
follows:

1.    Additional Services

            Intranet Image Archive Access

            Aurum will grant the ability for Customer to use the applicable
            computer Intranet software (thin client) to retrieve Item Images by
            utilizing Customer's LAN equipment and telecommunications circuitry
            to access the Item Image archive located at the Aurum Transaction
            Center. Aurum will authorize access to Item Images for up to
            twenty-five (25) user workstations and allow the Customer permission
            to define user administration.

2.    Payments to AURUM. In consideration for the provision by AURUM of the
      Additional Service set forth above, Customer will pay AURUM the amounts
      set forth below. Charges for such services will be due and payable in
      accordance with the terms of the Agreement.

<TABLE>
<CAPTION>
             ADDITIONAL SERVICE               UNIT COST        UNIT MEASURE
             ------------------               ---------        ------------
<S>                                           <C>           <C>
MONTHLY
Intranet Image Archive Access                   65.00       Per Month
                                                            (not to exceed 25
                                                            workstations) waived
                                                            until 3/1/2005
ONE-TIME
Migration to Intranet Image Archive Access      waived      Per Customer
</TABLE>

      There is a one-time charge of $900 that will be waived for the migration
      to Intranet Image Archive Access application.

      The one-time charge does not include supplies, forms, telecommunications
      network design, telecommunications line installation and testing, data
      communications equipment at Customer and Aurum Data Center locations, or
      travel-related expenses. Additionally, the one-time charge does not
      include Image Archive jukebox hardware, jukebox server hardware or jukebox
      software which will be required at Customer's site and which will be paid
      for by the Customer. The one time fee is payable on the Effective Date.

                                       1
<PAGE>

3.    Except as expressly amended by this Addendum, the Agreement is ratified,
      confirmed and remains unchanged in all respects and will be and remain in
      full force and effect in accordance with its terms. Capitalized terms used
      in this Addendum will be as defined in the Agreement unless otherwise
      expressly defined in this Addendum.

4.    This Addendum supersedes and replaces any prior agreement (written or
      oral) as to its subject matter. If there is any conflict between the terms
      and conditions of this Addendum and the terms and conditions of the
      Agreement or any prior addendum to this Agreement, the terms and
      conditions of this Addendum shall prevail.

5.    Two (2) original copies of this Addendum will be executed and submitted to
      Aurum by Customer. This Addendum will become effective when Aurum executes
      this Addendum and, returns one of the executed copies to Customer.

IN WITNESS WHEREOF, the parties have executed this Addendum as of the date set
forth above.

AURUM TECHNOLOGY INC                          COMMUNITY BANK OF NEVADA
                                              ("CUSTOMER")

By: /s/ John Heus                             By: /s/ Cathy Robinson
    -------------------                           ----------------------

Name: John Heus                               Name: Cathy Robinson

Title: President, Payment Services            Title: Executive Vice President

Date: 03/22/04                                Date: 2/3/04

                                       2
<PAGE>

                            ADDENDUM NUMBER THIRTEEN
                   ADDITIONAL SERVICES - DIRECTOR (IN HOUSE)

This ADDENDUM ("Addendum") to the Agreement for Information Technology Services
("Agreement" between Aurum Technology Inc. ("AURUM") and Community Bank of
Nevada ("Customer"), dated as of November 15, 2001, as amended or modified, is
effective from the date it is executed by AURUM and shall remain in effect for
the term of the Agreement. Capitalized terms used in this Addendum will be as
defined in the Agreement unless otherwise defined in this Addendum.

WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum;

WHEREAS, AURUM is willing to provide such Additional Services to Customer;

NOW, THEREFORE, AURUM and Customer hereby agree to amend the Agreement to
provide for such Additional Services as follows:

1.    Additional Services. In connection with AURUM's provision of the
      Additional Service to Customer AURUM will: install at the AURUM Data
      Center the Information Technology, Inc, (ITI) Premier Director Report
      Archive ("Director COLD") including all related programs and reports and
      file transfer software. AURUM will provide such Additional Services in
      accordance with this Addendum and the Agreement and such services will be
      deemed Additional Services under the Agreement for all purposes.

2.    Payments to AURUM. In consideration for the provision by AURUM of the
      Additional Services set forth above, Customer will pay AURUM the amounts
      set forth in Exhibit A attached hereto. Charges for such services will be
      due and payable in accordance with the terms of this Addendum and the
      Agreement. Customer may expand the Additional Services provided hereunder,
      such as adding additional users or licenses, upon request. Such expanded
      Additional Services shall be subject to the pricing current as of the date
      of such request.

3.    Customer Responsibilities. Customer will be responsible for: (i)
      contracting with ITI for purchase, configuration and installation of
      required Premier Director server hardware and software, (ii) support of
      all Premier Director server software and hardware and User software;
      (iii); providing all necessary hardware required by Aurum for the delivery
      of reports; (iv) assisting Aurum with the installation of the file
      transfer software; (v) upgrading all Premier Director server and User
      software as scheduled and instructed by Aurum; and, (vi) assisting with
      all security specifications necessary for the implementation and testing
      of Director COLD.

4.    Confirmation of Agreement. Except as amended by this Addendum, the
      Agreement will be and remain in full force and effect in accordance with
      its terms.

5.    Execution of Addendum. Four (4) original copies of this Addendum will be
      executed and submitted to AURUM by Customer. This Addendum will become
      effective as of the date set forth below when AURUM executes this
      Addendum. AURUM will return one of the executed copies to Customer.

AURUM TECHNOLOGY INC                          COMMUNITY BANK OF NEVADA

By: /s/ Mike Hill                             By: /s/ Cathy Robinson
    --------------------                          ---------------------
Printed                                       Printed
Name: Mike Hill                               Name: Cathy Robinson

Title: SVP                                    Title: Executive Vice President

Date: 11/29/03                                Date: 11/29/03

Community Bank of Nevada
Date: 01/09/2004

                                                                     Page 1 of 2


<PAGE>

                                    EXHIBIT A
                              PREMIER DIRECTOR COLD
                                SERVICE CHARGES

The monthly service fees for the Director COLD are based on the number of
Account Records maintained on the System during each month. Monthly service fees
will not be prorated for a partial month. An "Account Record" is defined as an
end-customer account type including without limitation, any open or closed
DDA/Checking account, Savings account, Certificate of Deposit account or Loan
account, that are maintained on the System during the applicable month.

One Time Charges (Invoiced in conjunction with signing of the Addendum)

      Set Up and Installation Charge               $3,250

Monthly Charges - Based on Account Volume - begins with completion of the
installation

<TABLE>
<CAPTION>
Base Fee
--------
<S>                                         <C>
0 - 15,000                                  $  360
0 - 24,000                                  $  575
0 - 36,000                                  Request Quote

Deliver Fee                                 $  250
</TABLE>

Community Bank of Nevada
Date: 01/09/2004

                                                                     Page 2 of 2