Document:

Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                    SCLUMBERGER ASSOCIATE PROGRAM AGREEMENT

         This Associate  Program  Agreement  including the exhibits and addendum
attached  hereto ("the  Agreement")  is made this 12th day of May,  1999 between
Schlumberger Malco, Inc. ("SCHLUMBERGER"), with offices located in Owings Mills,
Maryland and Accident  Prevention  Plus, Inc. with offices located in Hauppauge,
New York together with all subsidiary and affiliated  companies  which it now or
hereafter controls (hereinafter designated "ASSOCIATE").

         WHEREAS,   SCHLUMBERGER  is  engaged  in  the  business  of  designing,
manufacturing, selling and licensing certain Products as defined below;

         WHEREAS, ASSOCIATE is engaged in the business of designing, developing,
selling/licensing and supporting Systems which use Products;

         WHEREAS,  SCHLUMBERGER  and  ASSOCIATE  desire  a  mutually  beneficial
relationship  for the sale and/or licensing of Systems and Products to Customers
in the Market as defined below.

         In  consideration  of the  foregoing  and the  mutual  promises  of the
parties made herein SCHLUMBERGER and ASSOCIATE agree as follows:

1        DEFINITIONS

The following terms will have the meanings set forth herein:

         1.1      "Systems"  means  computer   software  programs  and  hardware
                  designed, developed, licensed, supported or otherwise provided
                  to Customers by ASSOCIATE  which use Products  and/or Licensed
                  Programs.

         1.2      "Products" means the SCHLUMBERGER products listed or described
                  on Exhibit A attached  hereto and which may contain or utilize
                  Licensed Programs.

         1.3      "Licensed   Programs"  means  computer  software  or  firmware
                  developed  by  or  licensed  to  SCHLUMBERGER   for  use  with
                  Products.

         1.4      "Customers"  means the  entities  listed on Exhibit B attached
                  hereto to which ASSOCIATE  provides  Systems that use Products
                  or Licensed  Programs.  SCHLUMBERGER  will notify ASSOCIATE in
                  the event  Customers  contact  SCHLUMBERGER  directly  for the
                  purpose of purchasing Products or Licensed Programs.

         1.5      "Market" means the industry  segment(s),  application  type(s)
                  and/or  geographical  area  described  on Exhibit B,  attached
                  hereto.

         1.6      "Strategic  Associate",  "Preferred  Associate"  and "Business
                  Associate" are the three Associate  classifications  contained
                  in the Associate Program.  Each  classification is expected to
                  purchase or cause the purchase of Products  from  SCHLUMBERGER

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                  annually  and/or  holds a position in the Market or within the
                  smart  card  industry  at  large as  described  on  Exhibit  F
                  attached hereto.

         1.7      "Confidential Information" means the valuable confidential and
                  proprietary information of SCHLUMBERGER or ASSOCIATE.

         1.8      "Disclosing   Part_  is  used  to  identify   SCHLUMBERGER  or
                  ASSOCIATE when either provides Confidential Information to the
                  other.

         1.9      "Receiving Party"  is used to identify either  SCHLUMBERGER or
                  ASSOCIATE when either receives  Confidential  Information from
                  the other.

2        REPRESENTATIONS AND AGREEMENTS

         2.1      ASSOCIATE's  beginning  classification is "BUSINESS" Associate
                  which  will  be   reevaluated  at  least  once  each  year  by
                  SCHLUMBERGER based upon volume,  joint activity,  and level of
                  participation and modified, if deemed appropriate, at the sole
                  discretion of SCHLUMBERGER.

         2.2      ASSOCIATE  represents  that it has the personnel and knowledge
                  needed  to  develop   magnetic   stripe   and/or   smart  card
                  applications  for the  Market,  including  but not  limited to
                  integrating    Products   into   Systems,    and/or   selling,
                  distributing and supporting Products and Systems.

         2.3      During  the  term  of  this  Agreement,  in  consideration  of
                  SCHLUMBERGER's  sale/license of Products at discounted  prices
                  and at its sole expense, ASSOCIATE will:

                  2.3.1    Use reasonable efforts to promote,  advertise, market
                           and solicit the  sales/licenses of Products which are
                           appropriate to the Market;

                  2.3.2    Use reasonable efforts to sell/sublicense Products to
                           Customers and provide appropriate levels of support;

                  2.3.3    Select and cause its appropriate  employees to attend
                           and  participate  in one  or  more  of  the  training
                           sessions  which  are  offered  from  time  to time by
                           SCHLUMBERGER.  Training  sessions are for the purpose
                           of instructing ASSOCIATE's employees in the technical
                           data  and  operation  of  Products  plus  information
                           important  to the  marketing  and  sale of  Products.
                           ASSOCIATE will pay all transportation, lodging, meals
                           and  other  similar  miscellaneous  expenses  of  its
                           employees who attend training sessions, at no cost or
                           expense to  Schlumberger.  Schlumberger  will provide
                           ASSOCIATE  with  advanced  notification  including  a
                           brief  description of the subject(s)  covered and the
                           time and location of training sessions.  SCHLUMBERGER
                           will pay all expenses for instructors,  materials and
                           equipment   needed  for  the  training   sessions  at
                           SCHLUMBERGER's facility.

                           2.3.3.1  SCHLUMBERGER  will provide  ASSOCIATES  with
                                    one training  coupon per training  which can
                                    be  used  to   enroll   its   employees   in
                                    SCHLUMBERGER's  training  sessions  free  of
                                    charge.  A fee of $200 will be  charged  for
                                    each additional  attendee.  Training coupons
                                    are not valid for  Cyberflex  training.  The
                                    fee is subject  to change at  SCHLUMBERGER's
                                    discretion.

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                  2.3.4    Meet  on  a   quarterly   basis  to   discuss   sales
                           opportunities and for Products with SCHLUMBERGER.

                  2.3.5    To the extent that a forecast is available, every [3]
                           months,   provide  SCHLUMBERGER  with  an  up-to-date
                           forecast  of  Products   which  are  expected  to  be
                           purchased or  sub-licensed  by ASSOCIATE's  customers
                           from  SCHLUMBERGER or ASSOCIATE during the subsequent
                           12-month  period of time.  Data provided by ASSOCIATE
                           to  meet   this   requirement   will  be   considered
                           Confidential  Information;  Said forecast will not be
                           considered a commitment  to purchase by the ASSOCIATE
                           but  will  be  used by  SCHLUMBERGER  for  production
                           planning purposes.

                  2.3.6    Meet  all  mutually agreed  upon sales  goals in  the
                           Market;

                  2.3.7    Comply   with  all   rules,   regulations   and  laws
                           applicable  to ASSOCIATE  and its  performance  under
                           this Agreement;

                  2.3.8    Use reasonable  efforts  necessary to comply with the
                           terms of this Agreement.

         2.4 During the term of this Agreement, SCHLUMBERGER will:

                  2.4.1    Provide  ASSOCIATE  with technical and sales training
                           sessions  from time to time on Products  designed and
                           intended to help ASSOCIATE sell Products to Customers
                           and to develop or use Products in Systems;

                  2.4.2    Provide  ASSOCIATE  with  advanced   notification  on
                           selected new product releases planned by SCHLUMBERGER
                           in the Market;

                  2.4.3    Provide  ASSOCIATE with  appropriate  levels of sales
                           and marketing support;

                  2.4.4    Provide  Products to ASSOCIATE  under the discounting
                           policy defined in Exhibit C;

                  2.4.5    Grant   ASSOCIATE  the  right  to  use   SCHLUMBERGER
                           Trademarks  as  defined  herein  and  subject  to the
                           provisions of Section 4, below;

                  2.4.6    Use reasonable efforts necessary to meet the terms of
                           this Agreement.

         2.5 This Agreement is non-exclusive, however:

                  2.5.1    ASSOCIATE agrees to preferably present and/or propose
                           SCHLUMBERGER  licensed  Products to its  Customers in
                           each case  where  Products  meet the  specifications,
                           price,  time and delivery  requirements  of ASSOCIATE
                           and Customer;

                  2.5.2    SCHLUMBERGER will refer, without prejudice, potential
                           Customers  to  ASSOCIATES  in good  standing  serving
                           their Market.

                  2.5.3    SCHLUMBERGER   and  ASSOCIATE  agree  that  customers
                           referred  by one party to the other will be  proposed
                           exclusively   products  from   SCHLUMBERGER  and  the
                           ASSOCIATE unless agreed otherwise.

         2.6      ASSOCIATE  and  SCHLUMBERGER  will meet at least once annually
                  during  the term of this  Agreement  to review  and modify the
                  exhibits attached hereto.

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

3        SALES OF PRODUCTS

         Two types of sales are covered by this Agreement:  Sales of Products to
         ASSOCIATE for resale with or without  added value to Customers  (VAR or
         Value Added Reseller Sales) and Sales of Products  Directly to Customer
         (Direct Sales) on behalf of ASSOCIATE.

         3.1      VAR SALES

                  3.1.1    In a VAR sales  transaction  (i) ASSOCIATE  purchases
                           Products  at a  discounted  price  from  SCHLUMBERGER
                           according  to  the  terms  and  conditions  contained
                           herein and resells them to Customers (ii) ASSOCIATE's
                           full and  total  compensation  from  SCHLUMBERGER  is
                           contained  in the  discounted  price (iii)  ASSOCIATE
                           assumes liability for any Customer  receivable and is
                           financially responsible to SCHLUMBERGER regardless of
                           Customer's payment status.

                  3.1.2    The sale of  Products  to  ASSOCIATE  for  subsequent
                           resale to  Customers  will be made  according  to the
                           terms and conditions  contained in this Agreement and
                           will  take   precedence  over  any  other  terms  and
                           conditions  which may appear on ASSOCIATE's  purchase
                           order  or  any  other  document   unless   previously
                           accepted in writing by SCHLUMBERGER.  Purchase orders
                           that were  submitted to and accepted by  SCHLUMBERGER
                           prior to this Agreement are excepted.

                  3.1.3    ASSOCIATE  will  submit   purchase   orders  for  the
                           purchase of Products to SCHLUMBERGER and SCHLUMBERGER
                           will not unreasonably withhold its acceptance of said
                           purchase orders.

                  3.1.4    SCHLUMBERGER will invoice ASSOCIATE for Products when
                           they ship provided that ASSOCIATE's  creditworthiness
                           was established by SCHLUMBERGER in advance. If not so
                           established,  payment  will be made prior to shipment
                           or COD as  determined  by  SCHLUMBERGER  at the  time
                           ASSOCIATE's purchase order is accepted.

                  3.1.5    Unless otherwise agreed to in advance,  all ASSOCIATE
                           invoices are due and payable  within thirty (30) days
                           from the date of invoice.  For any  amounts  that are
                           unpaid after the due date,  SCHLUMBERGER  may without
                           prejudice  to  any  other  rights,   either   suspend
                           delivery  to  ASSOCIATE,   ship  Products  on  future
                           purchase  orders  COD,  or  terminate  the  contract,
                           and/or charge  ASSOCIATE a finance charge of 1.5% per
                           month on the unpaid balance.

                  3.1.6    No   payment   due  to   SCHLUMBERGER   will  in  any
                           circumstances  be  offset  against  any  sum  owed by
                           SCHLUMBERGER  to ASSOCIATE  whether in respect of the
                           present  transaction  or  otherwise.  No discount for
                           early  payment  is  authorized.   In  the  event  any
                           proceeding is brought by or against  ASSOCIATE  under
                           any bankruptcy or insolvency laws,  SCHLUMBERGER will
                           be  entitled  to  cancel  any  purchase   order  then
                           outstanding  and  will  receive   reimbursement   for
                           reasonable cancellation charges.

                  3.1.7    All prices are  inclusive of United States of America
                           import duty (including  brokerage fees) but exclusive
                           of any present or future  sales,  revenue,  or excise
                           taxes,  or other tax  applicable  to the  Products or
                           services covered by ASSOCIATE's purchase order or the
                           manufacture  or  sale  thereof.   Such  taxes,   when
                           applicable,  will be added to the invoice and will be
                           paid   by   ASSOCIATE   unless   ASSOCIATE   provides
                           SCHLUMBERGER    with   the   proper   tax   exemption
                           certificates.

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                  3.1.8    Unless  different  terms are  agreed to in writing by
                           SCHLUMBERGER all deliveries of Products to ASSOCIATE,
                           or to a location specified by ASSOCIATE, will be made
                           FOB  SCHLUMBERGER's  designated  shipping point, with
                           freight prepaid.  Freight charges will be invoiced to
                           ASSOCIATE.

                  3.1.9    Risk of loss will pass to  ASSOCIATE  at the point of
                           shipment.  SCHLUMBERGER's  liability for shipment and
                           delivery of goods ceases upon delivery of products in
                           good condition to shipping  company or common carrier
                           designated by ASSOCIATE or ASSOCIATE's representative
                           or employee.  Goods placed in segregated inventory at
                           the request of ASSOCIATE  will be deemed to have been
                           shipped and  invoiced to  ASSOCIATE  at the time such
                           goods  are  placed  into  segregated   inventory  and
                           ASSOCIATE will be  responsible  for any loss thereto,
                           except for losses resulting from SCHLUMBERGER's gross
                           negligence.

                  3.1.10   All   stipulated   delivery  or  shipment  dates  are
                           estimates  only.  SCHLUMBERGER  reserves the right to
                           make   deliveries   of   products   in   installment.
                           Reasonable  delays in delivery of any  installment of
                           any one or more products  will not relieve  ASSOCIATE
                           of its obligation to accept and pay for the remaining
                           deliveries. The parties will jointly work together to
                           assume  timely  delivery  schedules  for the ultimate
                           customer,  and such a delay and does not  represent a
                           default by either party under this agreement.

                  3.1.11   Card  quantities  specified  in  purchase  orders for
                           custom-manufactured   cards  are  for   uninterrupted
                           production  and  one  shipment  to  one  destination,
                           unless otherwise  specified and agreed to in writing.
                           Quantity   variations  of  plus  or  minus  10%  will
                           constitute     an     acceptable     delivery     for
                           custom-manufactured   cards   and   the   excess   or
                           deficiency will be billed proportionally.

                  3.1.12   If  materials   are  furnished  by  ASSOCIATE  to  be
                           incorporated into manufactured  products, a supply of
                           such  materials   including  10%  in  excess  of  the
                           quantity   required  to  complete   the   ASSOCIATE's
                           purchase  order will be  furnished  FOB to a location
                           designated by SCHLUMBERGER.  SCHLUMBERGER  accepts no
                           liability    for   storage   of    ASSOCIATE-supplied
                           materials.

                  3.1.13   ASSOCIATE  will  inspect  and accept or reject  goods
                           within fourteen (14) days from receipt or thirty (30)
                           days from shipment thereof,  whichever is earlier. If
                           ASSOCIATE fails to notify  SCHLUMBERGER in writing of
                           its  rejection  and the reason  therefor  within such
                           time  period  the  ASSOCIATE  will be  deemed to have
                           accepted  such shipment and waived any right to later
                           reject the goods.

                  3.1.14   ASSOCIATE's  purchase  orders  may  not be  canceled,
                           suspended,   changed  or  returned   without  written
                           consent     of      SCHLUMBERGER.      Except     for
                           custom-manufactured  cards,  Products  that  have not
                           been  unpacked  will be accepted for return  handling
                           charge  should be waived  completely if product is in
                           its original packaging with a 15% handling charge, if
                           SCHLUMBERGER  is notified  in writing  within 10 days
                           after    receipt   of    shipment    by    ASSOCIATE.
                           Custom-manufactured cards cannot be returned.

                  3.1.15   If   ASSOCIATE   requests   changes  to  the  design,
                           specification,   or  quantity  of  Products  after  a
                           purchase  order is  accepted by  SCHLUMBERGER  and if
                           such  changes  are  accepted  by  SCHLUMBERGER   then
                           SCHLUMBERGER will prepare a revised quotation. If the
                           revisions  are  accepted by  ASSOCIATE,  the purchase
                           order will, if required, be amended accordingly.

                  3.1.16   Prices  for  custom-manufactured  cards  are based on
                           electronic delivery of artwork from ASSOCIATE.

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                  3.1.17   All four-color  process  designs require press proofs
                           and ASSOCIATE  approval  before starting a production
                           run.  Press  proofs  for  other   processes  are  not
                           required and will not be submitted unless  requested.
                           Charges for proofs are not included in quoted  prices
                           unless specified and will be invoiced separately.

                  3.1.18   Colors will be matched within  reasonable  commercial
                           variations.

                  3.1.19   Regardless   of  any   disclosure   by  ASSOCIATE  to
                           SCHLUMBERGER of the contemplated ultimate destination
                           of the Products,  ASSOCIATE will not export, directly
                           or indirectly, any product acquired hereunder (or the
                           "direct  product" of any Licensed  Programs)  without
                           first  obtaining  an  export  license  from  the U.S.
                           Department  of Commerce  or other  agency of the U.S.
                           Government, as required.

                  3.1.20   The prices offered to ASSOCIATE  under this Agreement
                           are based on ASSOCIATE's  representation that it will
                           develop or has developed applications for the Market,
                           will  or has  integrated  appropriate  Products  into
                           Systems,  and/or  will sell,  distribute  and support
                           Products in the Market.

                  3.1.21   ASSOCIATE's  failure  to pay in a timely  manner  for
                           Products shipped to it and accepted will constitute a
                           breach of this Agreement.

                  3.1.22   With   thirty   (30)  days   advanced   notification,
                           SCHLUMBERGER  has  the  right  from  time  to time to
                           change the  price,  terms and  conditions  upon which
                           ASSOCIATE may purchase Products.

                           3.1.22.1 Prior  to  the  effective  date  of a  price
                                    increase,   ASSOCIATE  can  submit  purchase
                                    orders for  Products  at the price in effect
                                    before  the   increase   if  the   requested
                                    delivery  date is  within  ninety  (90) days
                                    from  the   effective   date  of  the  price
                                    increase and SCHLUMBERGER card manufacturing
                                    capacity can accommodate said delivery.

                           3.1.22.2 Products   shipped  under  purchase   orders
                                    submitted  by  ASSOCIATE   and  accepted  by
                                    SCHLUMBERGER  prior to the notification date
                                    of a  price  increase  will be  shipped  and
                                    invoiced  at the  price  that was in  effect
                                    when  the  purchase   order  was   accepted,
                                    providing shipment occurs within ninety (90)
                                    days  from the  effective  date of the price
                                    increase  otherwise price will be revised to
                                    new price.

                           3.1.22.3 Products   shipped  under  purchase   orders
                                    submitted  by  ASSOCIATE   and  accepted  by
                                    SCHLUMBERGER  prior to the effective date of
                                    a  price   decrease   will  be  shipped  and
                                    invoiced  at the price in effect at the time
                                    of shipment.

                           3.1.22.4 Purchase  orders  submitted by ASSOCIATE and
                                    accepted  by   SCHLUMBERGER   prior  to  the
                                    effective  date of  changes to the terms and
                                    conditions  will be shipped  under the terms
                                    and  conditions  in effect when the purchase
                                    orders were accepted.

                  3.1.23   SCHLUMBERGER,  at its sole discretion,  has the right
                           to  discontinue  the   manufacture   and/or  sale  of
                           Products  covered  by this  Agreement  with at  least
                           ninety (90) days  advanced  written  notification  to
                           ASSOCIATE.

                  3.1.24   SCHLUMBERGER  has  the  right  to  modify  or  change
                           Products and to add new products at any time.

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

         3.2      DIRECT SALES

                  3.2.1    In a Direct Sales  transaction (i) ASSOCIATE  obtains
                           Customer's  purchase  order for Products and forwards
                           it  to  SCHLUMBERGER   according  to  the  terms  and
                           conditions contained herein (ii) ASSOCIATE's full and
                           total  compensation from SCHLUMBERGER is a commission
                           based  on the  net  sales  amount  after  payment  is
                           received from  Customer  (iii)  SCHLUMBERGER  assumes
                           liability for any Customer  receivable.  SCHLUMBERGER
                           and ASSOCIATE agree to put in place a formal referral
                           and  tracking   procedure  to  recognize   the  party
                           referring the Customer.

                  3.2.2    The sale of Products  directly to  Customers  will be
                           made according to the terms and conditions  contained
                           in this Agreement and will take  precedence  over any
                           terms and  conditions  which may appear on Customer's
                           purchase   order  or  any   other   document   unless
                           previously   accepted  in  writing  by  SCHLUMBERGER.
                           Purchase  orders that were  submitted to and accepted
                           by   SCHLUMBERGER   prior  to  this   Agreement   are
                           excepted."

                  3.2.3    All purchase  orders  obtained by  ASSOCIATE  will be
                           promptly forwarded to a designated SCHLUMBERGER sales
                           office  and  will  be  subject   to   acceptance   by
                           SCHLUMBERGER  at  designated  factory or home offices
                           upon such terms,  warranties,  and conditions as will
                           be acceptable to SCHLUMBERGER in its sole discretion.
                           Without limiting the foregoing, ASSOCIATE will extend
                           no  warranties or  guarantees,  orally or in writing,
                           respecting   the   performance,    design,   quality,
                           merchantability,  or fitness for purpose of Products,
                           except such warranties or guarantees as have received
                           prior written approval by SCHLUMBERGER, and ASSOCIATE
                           will not promote,  advertise,  or offer Products upon
                           any  terms,  conditions,  or  prices  except  as have
                           received  prior  written  approval  by  SCHLUMBERGER.
                           SCHLUMBERGER will have the right at any time and from
                           time to time,  without  notice,  to change the terms,
                           conditions,  and  prices  on  which  orders  will  be
                           accepted.

                  3.2.4    Prices quoted for Products will be in accordance with
                           the  price  lists  established  from  time to time by
                           SCHLUMBERGER and furnished to ASSOCIATE.

                  3.2.5    ASSOCIATE   will  be   entitled   to  receive   sales
                           commissions  ("Commissions")  based on the cumulative
                           Net Sales of SCHLUMBERGER  Products sold to Customers
                           during the term of this Agreement in accordance  with
                           the provisions contained herein.

                  3.2.6    The Commissions  payable to ASSOCIATE  hereunder will
                           be  calculated  in  accordance  with the schedule set
                           forth in Exhibit G attached  hereto,  which  schedule
                           may be  changed  at any time and from time to time by
                           SCHLUMBERGER  upon thirty (30) days written notice of
                           such change to ASSOCIATE.  Charged  commissions shall
                           only apply to purchases initiated after the effective
                           date of the new  Exhibit  G and  should  be  mutually
                           agreed to.

                  3.2.7    The term Net Sales as used herein will mean an amount
                           equal to the product obtained by multiplying the unit
                           price  of  each  Product  as  shown  on the  customer
                           invoice  by the  number  of  such  Products  actually
                           shipped as  determined  from the  shipping  invoices,
                           less  allowances  for trade  discounts,  returns  and
                           allowances,  and  charges  for  packaging,   crating,
                           customs   fees  and   duties,   transportation,   and
                           handling.  The  determination  of  Net  Sales  to any
                           Customer by SCHLUMBERGER will be conclusive.

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                  3.2.8    Net Sales will be  credited  to  ASSOCIATE's  account
                           only after  Products  have been  shipped and invoiced
                           and  such  invoice  has  been  paid by the  Customer.
                           SCHLUMBERGER   will  have  the  exclusive   right  to
                           determine  whether a purchase order or sales contract
                           will be  accepted  and,  if so,  the  date  on  which
                           Products will be shipped to a Customer.

                  3.2.9    SCHLUMBERGER will have the right to debit ASSOCIATE's
                           account  with all or any portion of the amount of any
                           Commissions  paid or credited to  ASSOCIATE  which is
                           allocable  to  refunds  or  allowances  given  to the
                           Customer  with  respect to  Products  for any reason.
                           SCHLUMBERGER   will  have  the  exclusive   right  to
                           determine  if and when the account of any Customer is
                           to be placed with a third party for collection.

                  3.2.10   All   Commissions   due  and  payable  to   ASSOCIATE
                           hereunder  will be paid on or before  the 25th day of
                           the month  following  the month in which  payment  is
                           received by  SCHLUMBERGER  for  shipments  previously
                           invoiced.  At the time an original  invoice is mailed
                           to a Customer,  SCHLUMBERGER  will provide  ASSOCIATE
                           with a copy thereof.

                  3.2.11   Payment of all ASSOCIATE's costs and expenses will be
                           the sole responsibility of ASSOCIATE.

4        CONFIDENTIALITY

         4.1      Both  SCHLUMBERGER  and ASSOCIATE  acknowledge that during the
                  term of this  Agreement,  each party may  become  privy to the
                  Confidential Information of the other party, whether disclosed
                  in  writing  or  obtained  from the  other  party in any other
                  manner,  which may include  but not be limited to  inventions,
                  proprietary  developments,  trade secrets,  price lists,  cost
                  data, marketing information,  Customer data, and manufacturing
                  techniques.  Each  party  acknowledges  that all  Confidential
                  Information  is and will be the sole,  exclusive  and valuable
                  property of the Disclosing  Party,  and that any use of any of
                  the  Confidential  Information by the Receiving  Party will be
                  solely in connection with the  performances of its obligations
                  under this  Agreement.  The  covenants  of this  Section  will
                  survive any  cancellation  or termination of this Agreement as
                  provided herein.

         4.2      Receiving Party will maintain in confidence Disclosing Party's
                  Confidential  Information for three (3) years from the date of
                  disclosure,   provided   that  (a)   when   the   Confidential
                  Information  is disclosed in written form it is clearly marked
                  with Disclosing  Party's name and the words  "confidential" or
                  "proprietary",  or substantially  equivalent words; or (b), if
                  the  Confidential  Information is disclosed orally or visually
                  it is summarized  in writing or corporeal  form and is clearly
                  marked   with   Disclosing   Party's   name   and  the   words
                  "confidential" or "proprietary",  or substantially  equivalent
                  words,  and  delivered to Receiving  Party within  thirty (30)
                  days following each such disclosure.

         4.3      For the  period  of time  described  in  Subsection  4.2,  the
                  Receiving   Party  will  make  no  use  of  the   Confidential
                  Information   except  as  expressly   permitted  herein.   The
                  Receiving  Party  will  not  make   Confidential   Information
                  available  to third  parties  without the  Disclosing  Party's
                  prior  written  consent.  Receiving  Party  may  disclose  the
                  Confidential   Information   only  to  its   employees   on  a
                  need-to-know   basis,  and  will  maintain  adequate  internal
                  procedures  to  protect  the  Confidential   Information  from
                  unauthorized  disclosure and use.  Receiving Party will notify
                  its  employees  who use the  Confidential  Information  of the
                  related obligations created by this Agreement and will use the
                  same  degree of care to avoid  unauthorized  disclosure  as it
                  employs   with  its  own   confidential   and/or   proprietary
                  information of like nature, but with no less than a reasonable
                  standard of care.

         4.4      Disclosing  Party  makes no  warranties  either  expressed  or
                  implied as to the accuracy or fitness for a particular purpose
                  of the Confidential Information and will have no liability for
                  any damages whatsoever that may result from its use.

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

         4.5      Receiving  Party  will  have no  obligation  for  Confidential
                  Information  that (a) is known to the Receiving Party prior to
                  the time of  disclosure;  (b) is  independently  developed  by
                  Receiving  Party  without  breaching  this  Agreement;  (c) is
                  lawfully  obtained from a third party without  restriction  on
                  use or disclosure; (d) is or becomes part of the public domain
                  through no fault of Receiving Party; (e) is disclosed with the
                  disclosing  parties  written  consent;  or  (f)  is  disclosed
                  pursuant to any judicial or governmental requirement or order,
                  provided that Receiving Party takes  reasonable  steps to give
                  the  Disclosing  Party  sufficient  prior  notice  in order to
                  contest such requirement or order.

         4.6      Receiving  Party  will  not  be  liable  for  (a)  inadvertent
                  disclosure or use of Confidential Information provided that it
                  uses at least  the same  degree  of care in  safeguarding  the
                  proprietary  information  as it uses  for its own  proprietary
                  information  of like  importance,  and upon  discovery  of the
                  inadvertent disclosure or use of the Confidential Information,
                  it will endeavor to prevent any further inadvertent disclosure
                  or use; and (b) unauthorized disclosure or use of Confidential
                  Information by persons who are or who have been in its employ,
                  unless it fails to  safeguard it with at least the same degree
                  of care as it uses for its own proprietary information of like
                  importance.

         4.7      Title to all tangible  forms of the  Confidential  Information
                  and any copies  thereof will be and remain with the Disclosing
                  Party. All Confidential Information and copies thereof will be
                  promptly  returned to the  Disclosing  Party by the  Receiving
                  Party upon written  request,  or  destroyed at the  Disclosing
                  Party's option.

         4.8      The Receiving Party will not remove any proprietary copyright,
                  semiconductor  chip  protection,  trade secret or other legend
                  ("Proprietary   Rights   Legend")   from   any   form  of  the
                  Confidential Information. The Receiving Party, when reasonably
                  possible and at the  Disclosing  Party's  written  request and
                  expense,   will  add  to  the  Confidential   Information  any
                  Proprietary   Rights  Legend  that   Disclosing   Party  deems
                  necessary to protect its intellectual property rights.

         4.9      Nothing  contained  in this  Agreement  will be  construed  as
                  granting or conferring by implication or otherwise, any rights
                  by  license  or  otherwise,  to any  invention,  discovery  or
                  improvement made, conceived, or acquired prior to or after the
                  date of this Agreement.

5         TRADEMARKS

         5.1      As used herein,  the term  "Trademarks"  will mean and include
                  all trademarks,  trade names, logos, and symbols  respectively
                  owned,   controlled,   or  adopted  by   SCHLUMBERGER  or  its
                  Affiliates, or ASSOCIATE or its Affiliates.

         5.2      ASSOCIATE  hereby grants to  SCHLUMBERGER a limited license to
                  use the  ASSOCIATE's  Trademarks  listed in Exhibit D attached
                  hereto  solely  for the  purposes  of  promoting  the  sale or
                  license of Systems or Products, and SCHLUMBERGER hereby grants
                  to  ASSOCIATE  a  limited  license  to  use  the  SCHLUMBERGER
                  Trademarks  listed in Exhibit D attached hereto solely for the
                  purposes  of  promoting  the sale or  license  of  Systems  or
                  Products.  Each party  must  submit  documentation  containing
                  usage  of the  other's  Trademarks  prior to  distribution  or
                  publication  for approval by the owning party.  These licenses
                  will terminate  automatically upon termination or cancellation
                  of this Agreement.

         5.3      Each  party  expressly  acknowledges  that the  other  party's
                  Trademarks  are the  exclusive  property of the other party or
                  its  Affiliates,  and that all right,  title,  and interest in
                  such  Trademarks  remain in the name of the other party or its
                  Affiliates.  Neither party will claim,  obtain,  or attempt to
                  obtain,  nor be directly  interested or concerned in claiming,
                  or attempting to obtain in any country during the  continuance
                  of this Agreement or any time thereafter any right,  title, or
                  interest by  registration,  use, or  otherwise in or to any of
                  the  other  party's  Trademarks,  or  confusingly  similar  or

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                  colorable imitations thereof, or by patent,  utility model, or
                  otherwise in any design improvements or inventions embodied in
                  Products or  ASSOCIATE's  Systems or by copyright in or to any
                  copyrightable matter to be supplied under this Agreement. Upon
                  termination of this Agreement for whatever reason, the parties
                  will cease  immediately  use of any and all  Trademarks of the
                  other party or copyrightable material supplied hereunder.

         5.4      Each party will identify the other party's Products or Systems
                  in the advertising,  offering for sale,  lease or license,  or
                  sale, lease,  license thereof only with the trademarks,  trade
                  names,  logos,  and symbols  used by the owning party and will
                  not otherwise make use of the other party's  Trademarks or any
                  confusingly similar or colorable imitation thereof,  except as
                  may be expressly authorized in writing by the owning party.

         5.5      Neither party will use without prior expressed written consent
                  of the other party any of the other party's  Trademarks in its
                  corporate  name or in the name of any  subsidiary  or  related
                  corporation  presently  existing  or  which  it may  hereafter
                  organize, or as part of any trade name or business style or in
                  any other  manner  except as may be  expressly  authorized  in
                  writing by the owning party, and in this event,  such use will
                  cease of any such name or business style upon the  termination
                  of this Agreement.

6        LICENSED PROGRAMS

         6.1      SCHLUMBERGER  hereby  grants to  ASSOCIATE  during the term of
                  this Agreement a  non-exclusive,  non-transferable  license to
                  use  Licensed  Programs  (excluding  source  code)  within the
                  Market for the term of this Agreement and any renewal term, in
                  accordance with the following terms:

                  6.1.1    ASSOCIATE will have the right to demonstrate  the use
                           of  Licensed  Programs  to  customers  interested  in
                           purchasing,   licensing  or  leasing   Products  from
                           ASSOCIATE;

                  6.1.2    ASSOCIATE  will  also  be  entitled  to use  Licensed
                           Programs  to  the  extent  required  to  fulfill  its
                           maintenance and service responsibilities for Products
                           under this Agreement;

                  6.1.3    ASSOCIATE   will  not   remove   any   copyright   or
                           proprietary  notice included in the Licensed Programs
                           or  Confidential  Information  furnished to ASSOCIATE
                           and will  reproduce all such notices on all copies in
                           any form, including revised,  modified, or translated
                           versions made by ASSOCIATE, unless otherwise directed
                           by Schlumberger in writing;

                  6.1.4    ASSOCIATE  will limit use and access of all  Licensed
                           Programs   provided  by   SCHLUMBERGER,   and  copies
                           thereof,  to such  of  ASSOCIATE's  employees  as are
                           directly involved in the operation and maintenance of
                           the Products. ASSOCIATE will require its employees to
                           make no  disclosure  of  Licensed  Programs or copies
                           which are not directly  connected  with the operation
                           and maintenance of the Products.

         6.2      SCHLUMBERGER  may  terminate  the  license  granted  by giving
                  ninety-(90)  days prior written notice to ASSOCIATE,  upon the
                  failure of  ASSOCIATE  to perform  or  observe  any  covenant,
                  condition or agreement to be performed or observed by it.

         6.3      In the event of the termination of the license for any reason,
                  or the  expiration or termination  of this  Agreement,  and in
                  addition  to  any  other  rights  or  remedies   available  to
                  SCHLUMBERGER, ASSOCIATE will return to SCHLUMBERGER or destroy
                  at the discretion of SCHLUMBERGER the original and all copies,
                  including  partial  copies or  modifications,  of the Licensed
                  Programs, Proprietary Data, and related materials furnished by

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                  SCHLUMBERGER  and  SCHLUMBERGER  will return to  ASSOCIATE  or
                  destroy at the discretion of ASSOCIATE  Proprietary  Data, and
                  related materials furnished by ASSOCIATE.

         6.4      SCHLUMBERGER  grants  to  ASSOCIATE  during  the  term of this
                  Agreement  the right to provide  sublicenses  to Customers for
                  the purpose of using the Licensed  Programs  (excluding source
                  code) applicable to those Products purchased from ASSOCIATE by
                  such  Customers.  ASSOCIATE will provide  SCHLUMBERGER  with a
                  mutually acceptable  sublicense agreement it will use with all
                  Customers who purchase/use Licensed Programs.

         6.5      If software is acquired by or on behalf of a unit or agency of
                  the U.S. Government, this provision applies.

                  6.5.1    This software (i) was  developed at private  expense,
                           and no  part  of it  was  developed  with  Government
                           funds; (ii) is a trade secret of SCHLUMBERGER for all
                           purposes of the Freedom of Information  Act; (iii) is
                           "commercial  computer  software"  subject  to limited
                           utilization  as provided in the contract  between the
                           vendor and the governmental  entity;  and (iv) in all
                           respects  is  proprietary  data  belonging  solely to
                           SCHLUMBERGER.  When  regulations of the Department of
                           Defense (DOD) are  applicable,  this software is sold
                           only with "Restricted Rights" as that term is defined
                           in the  DOD  Supplement  to the  Federal  Acquisition
                           Regulations,   52.227-7013.   Use,   duplication   or
                           disclosure is subject to  restrictions  of the Rights
                           in  Technical  Data and Computer  Software  clause at
                           52.227-7013, Manufacturer:  Schlumberger Malco, Inc.,
                           9800 Reisterstown Road, Owings Mills, Maryland 21117.

                  6.5.2    If this  software was acquired  under a GSA Schedule,
                           the Government has agreed to refrain from changing or
                           removing any insignia or lettering  from the software
                           that is provided or from producing  copies of manuals
                           or disks (except one hard disk copy and one backup or
                           archival copy) and (i) title to and ownership of this
                           software   and   related    documentation   and   any
                           reproductions  thereof will remain with SCHLUMBERGER;
                           (ii) use of this  software and related  documentation
                           will be  limited  to the  facility  for  which  it is
                           acquired;  and  (iii)  if  use  of  the  software  is
                           discontinued  at the  installation  specified  in the
                           purchase order and the  Government  desires to use it
                           at  another  location,  it may do so by giving  prior
                           notice  to  SCHLUMBERGER,   specifying  the  type  of
                           computer and new site's location.

7        WARRANTY

         7.1      SCHLUMBERGER  warrants that the Products and Licensed Programs
                  supplied  with  or  incorporated  in  the  Products  furnished
                  hereunder  will,  under  normal and proper  use,  be free from
                  defects  in  material  and  workmanship  and will  conform  to
                  SCHLUMBERGER's  applicable standard written specifications or,
                  if  appropriate,  to  specifications  accepted  in  writing by
                  SCHLUMBERGER,  for a period  of one (1) year  from the date of
                  shipment to ASSOCIATE  for terminals and readers and (180) one
                  hundred eighty days for cards.

         7.2      These  obligations  apply to  Products  for which (i)  written
                  notice of non-conformance is received before the expiration of
                  the warranty period; (ii) after SCHLUMBERGER's  authorization,
                  are returned to  SCHLUMBERGER's  original U.S. shipping point,
                  freight  charges  prepaid;  and (iii)  after  examination  are
                  disclosed,    to    SCHLUMBERGER's    satisfaction,    to   be
                  non-conforming. Any such repair or replacement will not extend
                  the. period within which such warranty can be asserted.

         7.3      This warranty will not apply to Products or Licensed  Programs
                  which have been  subjected to operating  and/or  environmental
                  conditions  in  excess  of the  maximum  values  stated in the
                  applicable  specifications or otherwise have been subjected to
                  misuse, tampering,  neglect,  improper installation,  abnormal

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                  stress,  repair,  modification,  alteration,  or  damage.  The
                  Licensed  Program warranty is only valid for Products in which
                  it has been supplied by SCHLUMBERGER  and neither the Licensed
                  Program  nor  Product  has  been  modified  in any  way.  THIS
                  WARRANTY MAY BE ASSERTED BY ASSOCIATE ONLY, NOT BY ASSOCIATE's
                  CUSTOMERS OR USERS OF THE ASSOCIATE'S  PRODUCTS AND IS IN LIEU
                  OF ALL  OTHER  WARRANTIES,  EXPRESS,  IMPLIED,  OR  STATUTORY,
                  INCLUDING  ANY IMPLIED  WARRANTY  OF FITNESS FOR A  PARTICULAR
                  PURPOSE OR  MERCHANTABILITY,  AND OF ALL OTHER  OBLIGATIONS OR
                  LIABILITIES  ON  SCHLUMBERGER's  PART.   SCHLUMBERGER  NEITHER
                  ASSUMES  NOR   AUTHORIZES  ANY  OTHER  PERSON  TO  ASSUME  FOR
                  SCHLUMBERGER  ANY OTHER  LIABILITIES  IN  CONNECTION  WITH THE
                  SALES OF SAID PRODUCTS.

8        LIMITATION OF LIABILITY

         8.1      Except as defined  herein,  ASSOCIATE's  exclusive  remedy and
                  SCHLUMBERGER's  total  liability  for any and all  losses  and
                  damages from any cause  whatsoever  arising from or related to
                  this  contract  (whether  such  cause be  based  in  contract,
                  negligence,  strict liability,  tort, or otherwise) will in no
                  event exceed the  purchase  price of the Products and Licensed
                  Programs in respect to which such cause arises.

         8.2      In the event of proven  fraudulent use of smart cards,  or any
                  information  contained  thereon,  or any errors resulting from
                  ASSOCIATE-furnished  input data including  initialization  and
                  personalization   information   as  a  result   of   careless,
                  negligent,  or  felonious  acts of an  employee  or  agent  of
                  SCHLUMBERGER,  the maximum  liability of SCHLUMBERGER  will be
                  $500 per card or account  involved,  whichever is less, with a
                  maximum limit of $5000 per year of proven loss per  ASSOCIATE.
                  SCHLUMBERGER  will not be held  liable for  damages  resulting
                  from the use of cards  personalized by SCHLUMBERGER  according
                  to  inaccurate,  incomplete or out-of-date  requirements  from
                  ASSOCIATE.  IN NO EVENT  WILL  SCHLUMBERGER  OR  ASSOCIATE  BE
                  LIABLE FOR  INCIDENTAL,  CONSEQUENTIAL,  INDIRECT  OR PUNITIVE
                  DAMAGES OR DAMAGES  FOR LOSS OF  REVENUES,  LOSS OF PRODUCT OR
                  LOSS OF DATA RESULTING FROM ANY SUCH CAUSE.  SCHLUMBERGER MAY,
                  AT  ITS  SOLE  OPTION,  EITHER  REPAIR  OR  REPLACE  DEFECTIVE
                  PRODUCTS  AND LICENSED  PROGRAMS OR REFUND THE PURCHASE  PRICE
                  PAID  UPON  RETURN  OF  PRODUCTS  TO  SCHLUMBERGER,  AND  WILL
                  THEREAFTER  HAVE NO FURTHER  OBLIGATION  TO  ASSOCIATE.  THESE
                  LIMITATIONS WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS IN ITS
                  ESSENTIAL PURPOSE.

9         FORCE MAJEURE

          9.1     SCHLUMBERGER will not be liable to  non-performance  or delays
                  caused by acts of God, wars, riots, strikes,  fires, shortages
                  of   labor  or   materials,   labor   disputes,   governmental
                  restrictions   or  any  other  causes  beyond  its  reasonable
                  control.

          9.2     In  the  event  of  any  such  excused  delay  or  failure  of
                  performance,  the date of  delivery  will,  at the  request of
                  SCHLUMBERGER,  be deferred  for a period equal to time lost by
                  reason of the delay.  SCHLUMBERGER  will notify  ASSOCIATE  in
                  writing of any such event or circumstance  within a reasonable
                  period after it learns of same.

10       PATENTS

         10.1     ASSOCIATE will hold SCHLUMBERGER  harmless against any expense
                  or loss resulting from infringement of any patent arising from
                  compliance  with  ASSOCIATE's   designs,   specification,   or
                  instructions.

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         10.2     Except as provided  in the  preceding  sentence,  SCHLUMBERGER
                  will settle or defend any suit or proceeding  brought  against
                  ASSOCIATE  insofar  as based on a claim that any  Product  (or
                  part thereof) manufactured by SCHLUMBERGER and furnished under
                  this  Agreement  and  not  used  in  combination   with  other
                  products,  whether or not furnished  hereunder,  constitutes a
                  direct  infringement  of any United  States patent if notified
                  promptly  in  writing  and given  authority,  information  and
                  assistance (at  SCHLUMBERGER's  expense) for the settlement of
                  defense of same,  and  SCHLUMBERGER  will pay the  damages and
                  costs awarded therein against ASSOCIATE or agreed upon in such
                  settlement.

         10.3     SCHLUMBERGER  may (at  its  option  and  expense)  either  (i)
                  procure for ASSOCIATE the right to continue using said Product
                  or part,  or (ii)  furnish a  non-infringing  replacement,  or
                  (iii) modify the Product so it becomes  non-infringing or (iv)
                  refund the purchase price and transportation cost thereof upon
                  return  authorized by  SCHLUMBERGER.  THE FOREGOING STATES THE
                  ENTIRE  LIABILITY OF SCHLUMBERGER  FOR PATENT  INFRINGEMENT BY
                  SAID PRODUCTS OR ANY PART THEREOF.

11        RELATIONSHIP OF THE PARTIES

         11.1     Nothing  contained  in this  Agreement  will be  construed  to
                  constitute that an ASSOCIATE is a partner, employee, agent, or
                  joint venture partner of  SCHLUMBERGER,  nor will either party
                  have any  authority  to  represent  or bind  the  other in any
                  respect.

         11.2     ASSOCIATE  acknowledges  that it has no  authority  to  accept
                  orders or any moneys from Customers on behalf of SCHLUMBERGER.

12        INDEMNIFICATION

          12.1    ASSOCIATE   will  make  no   representations   or   warranties
                  concerning the quality,  performance or other  characteristics
                  of Products or  Licensed  Programs  other than those which are
                  consistent in all respects  with,  and do not expand the scope
                  of, SCHLUMBERGER's representations and warranties set forth in
                  this  Agreement and the Exhibits  attached  hereto.  ASSOCIATE
                  will  include in each  contract of sale or lease for  Products
                  and  each  license  and  sublicense  for  a  Licensed  Program
                  appropriate   provisions  to  limit  SCHLUMBERGER's   warranty
                  liability as provided  herein and will  indemnify,  defend and
                  hold  SCHLUMBERGER   harmless  from  and  against  any  costs,
                  expenses  (including   attorneys'  fees),  damages  or  claims
                  incurred   by    SCHLUMBERGER   by   reason   of   ASSOCIATE's
                  representations.

         12.2     ASSOCIATE agrees to indemnify SCHLUMBERGER for and against any
                  and all claims, demands and actions arising out of ASSOCIATE's
                  activities or  performance  under this Agreement or any breach
                  of ASSOCIATE's obligations. This indemnity will be conditioned
                  upon ASSOCIATE receiving:

                  12.2.1   Prompt  written  notice  of any  claims,  demands  or
                           actions  made  against  SCHLUMBERGER  by another  for
                           which indemnity is sought hereunder by SCHLUMBERGER;

                  12.2.2   Cooperation in the defense by SCHLUMBERGER;

                  12.2.3   Control  of the  defense  and/or  settlement  of such
                           claim,  demand  or action  as to which  indemnity  is
                           sought.

         12.3     SCHLUMBERGER agrees to indemnify ASSOCIATE for and against any
                  and all claims,  demands and actions  made  against  ASSOCIATE
                  arising out of nonconformity of Products or Licensed  Programs
                  with the applicable  SCHLUMBERGER  specification or any breach
                  of  SCHLUMBERGER's  obligations  under  this  Agreement.  This
                  indemnity will be limited to damages  awarded to a third party
                  claimant  directly  attributable  to  such  non-conformity  or

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Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                  breach,  will not  include  indirect  or  special  damages  or
                  damages for loss of revenues,  loss of product or loss of data
                  and will be conditioned upon SCHLUMBERGER receiving:

                  12.3.1   Prompt  written  notice  of any  claims,  demands  or
                           actions made  against  ASSOCIATE by another for which
                           indemnity is sought hereunder by ASSOCIATE;

                  12.3.2   Cooperation in the defense by ASSOCIATE;

                  12.3.3   Control  of the  defense  and/or  settlement  of such
                           claim,  demand  or action  as to which  indemnity  is
                           sought.

         12.4     Notwithstanding Subsections 12.2 and 12.3 above, neither party
                  will be liable for and each  party  will hold the other  party
                  harmless from any liability for incidental,  indirect, special
                  or  consequential   damages  sustained  by  the  other  party,
                  including  those  arising from or measured by lost revenues or
                  profits under its contracts  with third  parties,  even if the
                  other party has been advised of such damages.

13        TERMINATION

          13.1    The term of this  Agreement  will  commence  on the date first
                  written above and,  unless  earlier  terminated as hereinafter
                  provided,  will continue until terminated by either party upon
                  ninety  (90) days prior  written  notice to the other party of
                  its intent to do so.

         13.2     The parties  will have the right to terminate  this  Agreement
                  immediately  by giving  written  notice to the other  party of
                  such termination, if:

                  13.2.1   Either party becomes insolvent or makes an assignment
                           for the benefit of creditors,  or if  proceedings  in
                           bankruptcy,   for  an   arrangement,   or   for   the
                           appointment  of a  receiver  are filed by or  against
                           either party;

                  13.2.2   Any  assignment  or  attempted   assignment  of  this
                           Agreement  or any right or  obligation  hereunder  is
                           made without the prior written  approval of the other
                           party;

                  13.2.3   Either  party  will  breach any of the  covenants  or
                           agreements  herein  contained,   fail  to  faithfully
                           perform any of the services required hereunder, or is
                           determined  by  the  other  party  to  be  guilty  of
                           dishonesty or fraudulent misconduct;

                  13.2.5   Either  party for any reason  suspends  or ceases its
                           activities.

         13.3     Unless otherwise agreed between the parties,  ASSOCIATE agrees
                  that termination of this Agreement, however caused, may result
                  in the cancellation of unfulfilled  orders placed for Products
                  by ASSOCIATE with SCHLUMBERGER as of the effective date of the
                  termination,  and that  SCHLUMBERGER will be released from any
                  and all further liability to ASSOCIATE.

         13.4     The  acceptance of any order from, or the sale of any Products
                  to,  ASSOCIATE  after the  termination  or  expiration of this
                  Agreement  will not be  construed  as a renewal  or  extension
                  hereof, nor as a waiver of termination.

         13.5     Neither  SCHLUMBERGER  nor  ASSOCIATE  will by  reason  of the
                  termination  of this  Agreement,  be  liable  to the other for
                  compensation,  reimbursement  or  damages  due to the  loss of
                  prospective  profits or anticipated  sales,  or  expenditures,
                  investment,  leases  or  commitments  in  connection  with the
                  business  or  good  will  of  SCHLUMBERGER  or  ASSOCIATE,  or
                  otherwise.

         13.6     Until one year after the date on which this  agreement  ceases
                  to  be  in  effect,   neither  SCHLUMBERGER  nor  any  of  its
                  affiliates  engaged  in the  same  principal  businesses  will
                  solicit  or  entice  away  any  person  in the  employment  of
                  ASSOCIATE  nor  any  of its  affiliates  engaged  in the  same

Initials: ASSOCIATE _SHW_                 SCHLUMBERGER _PTB_             Page 14

<PAGE>

Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

                  principal  businesses,  and neither  ASSOCIATE  nor any of its
                  affiliates  engaged  in the  same  principal  businesses  will
                  solicit  or  entice  away  any  person  in the  employment  of
                  SCHLUMBERGER  nor any of its  affiliates  engaged  in the same
                  principal businesses.

14        NOTICES

         14.1     Any notice  herein  will be deemed to have been given 48 hours
                  after  it has  been  deposited  in the  United  States  mails,
                  registered  or  certified   mail,   proper  postage   prepaid,
                  addressed  to the party for whom it is intended at the address
                  shown  below   and/or  it  has  been   dispatched   using  the
                  alternative method for notification  agreed upon and described
                  on Exhibit E attached hereto.

         14.2     If to SCHLUMBERGER, send notices to:

         Schlumberger Malco, Inc.
         8311 North FM 620 Road
         Austin, TX 78726
         Attention: Ravi Rao

         14.3     If to ASSOCIATE, send notices to:
          ADDRESS HERE

15        NON-ASSIGNMENT

          15.1    Neither  party hereto may assign this  Agreement or any rights
                  or obligations  hereunder without the prior written consent of
                  the other party hereto.

         15.2     The  provisions  of this  Agreement  will be binding  upon the
                  successors and assigns of the parties hereto.

16        DISPUTE RESOLUTION

         16.1     Any disputes or claims  arising under this  Agreement  will be
                  resolved through alternative dispute resolution means.

         16.2     Initially,  the parties will engage in non-binding.  Mediation
                  will be in New York  City,  New York or such  other site as is
                  mutually  agreed  to by the  parties.  The  mediator  will  be
                  jointly  appointed  by the parties and will have  expertise in
                  commercial dispute resolution.

         16.3     In the  event  the  dispute  or  claim  is not  satisfactorily
                  resolved  through  mediation  within 90 days of notice of such
                  claim or dispute by a party,  the  parties  will  submit  such
                  dispute or claim to binding  arbitration.  Arbitration will be
                  held in New York  City,  New York USA or such other site as is
                  mutually  agreed to by the parties.  If ASSOCIATE is a foreign
                  (non-US)  corporation  and  delivery  of the goods  under this
                  agreement  is to a  foreign  (non-US)  destination,  then  the
                  commercial  arbitration rules of the International  Chamber of
                  Commerce will apply.  In all other  instances  the  commercial
                  arbitration rules of the American Arbitration Association will
                  apply. Any judgment, decision or award by the arbitrators will
                  be final and binding on the parties and may be enforced in any
                  court having  jurisdiction  over a party against whom any such
                  judgment,  decision  or award is to be  enforced.  The parties
                  specifically  and  knowingly  waive any rights  under State or
                  federal  constitutions  or  statutes  which  grant a party the
                  right to trial by jury for any claims  that might  arise under
                  this  agreement or which purports to give a party the right to
                  appeal an arbitrator's judgment, decision or award.

         16.4     The parties will bear their own costs and expenses  (including
                  attorney's  fees) for any  mediation  or  arbitration,  unless
                  otherwise directed by the mediator or arbitrator.

Initials: ASSOCIATE _SHW_                 SCHLUMBERGER _PTB_             Page 15

<PAGE>

Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

17        ENTIRE AGREEMENT; SEVERABILITY

         17.1     The failure of either  party to enforce at any time or for any
                  period of time the  provisions of this  Agreement  will not be
                  construed  as a waiver of such  provisions  or of the right of
                  such  party  thereafter  to enforce  each and every  provision
                  contained herein.

         17.2     If any term, clause, or provision  contained in this Agreement
                  is  declared  or  held   invalid  by  a  court  of   competent
                  jurisdiction,  such declaration or holding will not affect the
                  validity  of  any  other  term,  clause  or  provision  herein
                  contained.

         17.3     This  Agreement  including all Exhibits  attached  hereto sets
                  forth the entire  understanding  of the parties and supersedes
                  all  prior  agreements,   arrangements,   and  communications,
                  whether  oral  or  written,  pertaining  to  the  SCHLUMBERGER
                  Associate Program.

         17.4     ASSOCIATE  has  not  relied  on any  representations,  oral or
                  written,  except as are made in or expressly referenced herein
                  and  except as  provided  herein  this  Agreement  will not be
                  modified or amended except by the mutual written  agreement of
                  the original signers of SCHLUMBERGER and ASSOCIATE below or by
                  their duly authorized representatives.

18        INTERPRETATION AND CONSTRUCTION

         This  Agreement and all questions of its  interpretation,  performance,
         enforcement,  and the rights and remedies of the parties hereunder will
         be determined in accordance with the laws of the State of New Jersey.

WITNESS the due execution of this Agreement by the parties hereto as of the date
first written above.

  Schlumberger Malco, Inc.                 Accident Prevention Plus, LLC
  Signature: /s/ Paul T. Beverly           Signature: /s/ Steven H. Wahrman
             -------------------                      ----------------------
             Name: Paul T. Beverly                    Name: Steven H. Wahrman
             Title: VP                                Title: President
             Date: 6/11/99                            Date: 5/12/99

Initials: ASSOCIATE _SHW_                 SCHLUMBERGER _PTB_             Page 16

<PAGE>

Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

Smart Cards (Category A)
           EE2k                                         1 EE4k
           T2G                                          FE417
           VisaCash Disposable

Smart Cards (Category B)
           PayFlex 0.3k (Micro PayFlex)                 PayFlex 1k
           PayFlex 4k                                   MultiFlex 3k
           MultiFlex 8k                                 CryptoFlex 4k
           VisaCash Reloadable                          Cyberflex 4k

Readers (Category C)
          SCT                                           SCR6O/65
          Reflex 20                                     Reflex 60

Licensed Programs, Packaged Products (Category C)
           Log ICC (may not be sublicensed)             WinPractis
           SafePak L210                                 EZ Formatter
           PrivaSuite

Point of Sales Terminals (Category D)

Unattended Point of Sales Terminals (Category E)

EXHIBIT B -- CUSTOMERS AND MARKET

Customers

Market

Initials: ASSOCIATE _SHW_                 SCHLUMBERGER _PTB_             Page 17

<PAGE>

Schlumberger Associate Program Agreement        CONFIDENTIAL          Rev 6/98.D

EXHIBIT C -- DISCOUNT POLICY

ASSOCIATE  may  purchase  Category A, B and C Products  listed on Exhibit A from
SCHLUMBERGER  for resale to Customers at a discount off the then current  price.
The  discount  will  be  based  on  ASSOCIATE's  cumulative  dollar  value  (the
"Cumulative  Value") of Category A, B and C Products purchased from SCHLUMBERGER
over the  preceding  six (6) months plus the  current  month.  Upon  signing the
Agreement, ASSOCIATE's Cumulative Value will be established at $150,000 unless a
higher  value  is  warranted  by  ASSOCIATE's  cumulative  dollar  purchases  as
described above.

EXHIBIT D -- TRADEMARKS

ASSOCIATE Trademarks:

SCHLUMBERGER Trademarks:
           "Schlumberger"            "Delta 21"               "Sigma"
           "MagIC"                   "Payflex"                "Multiflex"
           "SI Mflex"                "Cryptoflex"             "Reflex xx"
           "Cyberflex"               "Solo"                   "Smart Village"

EXHIBIT E -- ALTERNATIVE METHOD FOR NOTIFICATION

EXHIBIT F -- ASSOCIATE CLASSIFICATIONS

A Strategic  Associate is expected to purchase or cause the purchase of at least
$900,000  worth  of  Products  from  SCHLUMBERGER  annually  and/or  it  holds a
strategic position in the Market or within the smart card industry at large.

A Preferred  Associate is expected to purchase or cause the purchase of at least
$600,000  worth of Products  from  SCHLUMBERGER  annually  and/or it holds a key
position in the Market.

A Business  Associate  is expected to purchase or cause the purchase of at least
$300,000 worth of Products from SCHLUMBERGER  annually and/or it has developed a
business case and is in the process of developing Systems for the Market.

EXHIBIT G -- COMMISSION RATES

ASSOCIATE commission  rates for the sale of Products  directly to Customers  are
defined according to the Product categories in Exhibit A as follows:

                        Commission Rate           Product Category
                        ---------------           ----------------
                              1%                        A
                             2.5%                       B
                              5%                        C

ADDENDUM

Initials: ASSOCIATE _SHW_                 SCHLUMBERGER _PTB_             Page 18MANUFACTURING AGREEMENT (MA)
                                     BETWEEN
        LOCKHEED MARTIN ELECTRONICS & MISSILES, OCALA OPERATIONS (OCALA)
                                       AND
                      ACCIDENT PREVENTION PLUS, LLC. (APP)

This  Manufacturing   Agreement (MA)  sets  forth  the  commitment  of  Accident
Prevention  Plus,  LLC, a New York  Corporation  having its  principal  place of
business  at 700  Veterans  Memorial  Highway,  Hauppauge,  NY 11778  (APP)  and
Lockheed  Martin  Corporation,   a  Maryland   corporation  acting  through  its
Electronics  & Missiles  Business unit and having a place of business at 498 Oak
Road, Ocala, FL 34472-3099  (Ocala);  to establish an MA under which Ocala shall
manufacture the printed circuit board assemblies for the Fuel Intake  Monitoring
System (FIMS) as well as other mutually  agreeable APP product lines.  Ocala may
also provide  electronic  assemblies,  chassis,  and services  including but not
limited to: qualification testing,  manufacturing engineering, test engineering,
and circuit design support.

BACKGROUND:

FIMS is a wireless, completely automated system to monitor vehicle fuelling that
provides   positive  vehicle   identification,   accurate  fuel  delivery  data,
eliminates credit card usage, and minimizes the  misappropriation  of fuel. This
system was  initially  developed  by APP and was  further  developed  by APP and
Lockheed  Martin  Specialty  Components,  Inc.  (Specialty  Components)  under a
DOE-sponsored  Technology  Deployment Center (TDC) funding  arrangement.  APP is
endeavoring  to market the FIMS to Shell France  (Shell),  a member of the Royal
Dutch Shell  Group and  others,  and has entered  into  various  agreements  and
purchase  orders  with  Specialty  Components  and  Ocala  for the  development,
prototype build proof of principle, test, and future manufacturing of the FIMS.

It is anticipated  that Custom  Manufacturing & Engineering,  Inc. (CME) will be
the  successor in interest to Specialty  Components  and will assume the rights,
obligations,  and  responsibilities  currently  held by Specialty  Components as
regards  the  FIMS and  existing  agreements  and  contracts  between  Specialty
Components and APP.

Ocala,  has  developed  and built three (3)  prototype  dual axis  accelerometer
printed  wiring  boards for use with APP's  accident  prevention  series of Data
Recorders APP 1000 through APP 3000.

AGREEMENTS:

1. APP agrees to utilize Ocala as the  manufacturer  to assemble  printed wiring
boards for the FIMS units and shall consider Ocala as the preferred manufacturer
for  printed  circuit  boards  for other APP  products  including  the  accident
prevention systems; provided that Ocala will maintain the capacity,  facilities,
and  capability  to  produce  these  items  and will  sell  the  items to APP at
competitive  prices and schedules with mutually  acceptable payment terms. Ocala
shall  have the right of first  refusal or  acceptance  to  manufacture  printed
wiring  assemblies for the term of this MA, subject to APP's right to compete as
stated in paragraph 2, below.

2. In the event APP  determines  that Ocala has not offered to  manufacture  and
sell printed wiring  assemblies or other designated  assemblies to APP on price,
schedule, and payment terms equal to or better than APP can obtain from a second
reputable  manufacturer,  APP has the right to solicit  proposals from alternate
manufacturers  for such  items.  Ocala  shall have the  opportunity  to meet the
price,  schedule,  or payment terms of such second manufacturer,  and if it does
so, APP will continue to purchase the items from Ocala.  APP agrees that it will
not solicit second  manufacturer  pricing more frequently than every twenty-four
(24 months) for the first two (2) years of this agreement and no more often than
once every twelve (12) months thereafter.

Rev 01/l7/97

<PAGE>

3. APP and Ocala  shall  enter into one or more  separate  contractual  purchase
agreements to produce  printed  wiring boards and other goods or services.  Each
agreement shall define the price,  schedule,  terms and conditions applicable to
that order.

4. This  Agreement  is not to be  construed  as  changing  or  conflicting  with
existing agreements in place between APP and Specialty Components or CME.

5. Ocala shall provide a warranty for each item  manufactured for APP under this
agreement  that each item shall be free from  defects in  workmanship  and Ocala
provided  materials for a period of fifteen (15) months following first delivery
to APP. This warranty  shall he included in each Purchase  Order or Contract for
goods.

6. Ocala's standard terms of payment are net 30 days from  shipment/invoice.  It
is  recognized  that APP may have  less  favorable  terms  of  payment  from its
customers for international  transactions.  In such  circumstances,  Ocala shall
accept  payment terms in Purchase  Orders which are no less favorable than those
which are included in APP's prime contract;  however,  in no event shall Ocala's
terms of payment exceed net 60 days.

7. Products manufactured or assembled by Ocala shall be marked with the Lockheed
Martin  Corporate  name and logo.  APP may,  subject to prior Ocala  approval of
public  releases and I or  advertisements  on a case by case basis,  include the
fact  that  Lockheed  Martin  Corporation  is the  manufacturer  for  APP.  This
agreement is  applicable  to  advertising,  public  releases,  or proposals  for
products contemplated by and subject to this Agreement.

8. The parties to this Agreement have entered into a separate agreement defining
the terms and conditions for the exchange of Proprietary Information between the
parties.  Information exchanged under this Agreement,  if Proprietary,  shall be
subject to the provisions of the separate Proprietary Information Agreement.

9.  APP  shall  provide  design  technical   information,   including  drawings,
schematics,  component layout,  specifications and bills of material,  to Ocala.
Such technical  information  shall remain the property of APP.  Ocala shall,  as
non-recurring  cost,  develop  manufacturing  processes,  plans,  or  procedures
necessary to manufacture  inspect and test the items covered by this  agreement.
Such  manufacturing  documentation  shall remain the property of Ocala.  Neither
party may release  information  which is the property of the other party, to any
third party without the prior written approval of the owner of such information.

TERM OF AGREEMENT:

The term of this agreement is a period of five (5) years from the latest date of
signature  noted below.  This  Agreement  may be  terminated by either party for
cause provided however, the other party shall be notified in writing ninety (90)
days prior to the effective date of such termination. Such notice shall identify
the basis for the termination and the party alleged to have committed the breech
shall have the  opportunity to remedy any breech  identified by the  terminating
party during such 90 day period.  The rights and remedies of each party,  in the
event  this  agreement  is  unilaterally  terminated,  may be  resolved  through
agreement, arbitration, or litigation in a court of competent jurisdiction. This
Agreement also may be terminated by mutual agreement of the parties at any time.
Termination of this agreement shall not affect the performance of all duties and
obligations set forth in purchase orders or contracts related to the delivery of
goods or the  performance of services which are in effect as of the time of such
termination.  The term of this  Agreement  may be extended by written  amendment
executed by authorized representatives of each Party.

                                        2

Rev 01/17/97

<PAGE>

ASSUMPTION OF COSTS:

Each Party shall bear its own costs,  expenses,  risks, and liabilities  arising
out of any  activities in  connection  with this MA unless  otherwise  agreed in
writing. Each Party shall hear its own costs incurred in enforcing any provision
of this agreement including termination,  and neither party shall be held liable
for costs incurred by the other to enforce this  Agreement.  Awards for monetary
damages,  if any, as a result of settlement of any dispute  hereunder  shall not
include legal costs or costs for  employees,  representatives,  consultants,  or
agents of the injured party.

APPLICABLE LAW I LANGUAGE:

This MA shall he governed by and shall be  interpreted  in  accordance  with the
laws of the State of Florida,  USA,  without  reference  to its  Conflict of Law
rules. The English  language will prevail as the language of the  interpretation
of any provision of this Agreement.

ENTIRE AGREEMENT:

This Agreement contains the entire understanding between the Parties relative to
the   subject   matter   herein  and   supersedes   all  prior  and   collateral
communications,  reports,  and  understandings  between  the  Parties in respect
thereto;  except that nothing in this  Agreement  shall  supersede or in any way
modify any of the terms and  conditions,  or the rights and  obligations  of the
Parties,  included in any  purchase  agreement  between the Parties  unless said
purchase  agreement  so  stipulates.  No change,  modification,  alteration,  or
addition to any provision  hereof shall be binding  unless in writing and signed
by authorized representatives of both Parties.

This Agreement does not and shall not be construed to constitute,  create,  give
effect to, or imply a joint venture,  pooling arrangement,  partnership,  formal
business  organization or any type of permanent arrangement of any kind. Neither
Party shall have the right to make  commitments  of any kind for or on behalf of
the other party without the prior written consent of the other Party.

IN WITNESS  WHEREOF  the Parties to this MA have  caused  their duly  authorized
representative to execute this MA as evidenced by their signatures below:

FOR: LOCKHEED MARTIN CORPORATION         FOR: ACCIDENT PREVENTION PLUS, LLC

BY: /s/ B.P. Holmes                      BY: /s/ Richard Goodhart
    ---------------------                    -------------------------

    B.P. Holmes                              Richard Goodhart
---------------------------------            ---------------------------------
(Typed or Printed Name and Title)            (Typed or Printed Name and Title)
DATE: 1/24/97                                DATE: 1/24/97

                                        3

Rev 01/17/97

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