Document:

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                                                                    Exhibit 10.6

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                                          JPMorgan Chase Agreement No. _________

                        MASTER SERVICE PROVIDER AGREEMENT

                                     BETWEEN

                               VIRTUSA CORPORATION

                                       AND

                               JPMORGAN CHASE BANK

                          DATED AS OF DECEMBER 6, 2004

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                            PAGE
                                                                            ----
<S>                                                                         <C>
1. DEFINITIONS AND CONSTRUCTION..........................................     1
   1.1   Definitions.....................................................     1
   1.2   References......................................................     9
   1.3   Headings........................................................     9
   1.4   Additional Definitions..........................................     9

2. SERVICES..............................................................    10
   2.1   Scope of the Services Generally.................................    10
   2.2   Performance of Services.........................................    11
   2.3   Increases and Decreases in Services.............................    11
   2.4   Applicable Laws; Country-Specific Legal and Regulatory
            Requirements.................................................    11
   2.5   Third Party Services............................................    12
   2.6   Change Orders...................................................    12

3. SERVICE LEVELS........................................................    13
   3.1   Service Levels..................................................    13
   3.2   Adjustment of Service Levels....................................    13
   3.3   Root-Cause Analysis.............................................    13
   3.4   Measurement and Monitoring......................................    14
   3.5   Continuous Improvement..........................................    14
   3.6   Supplier Service Locations......................................    14

4. COVENANTS AND OBLIGATIONS OF THE PARTIES..............................    15
   4.1   Covenants and Obligations of Supplier...........................    15
   4.2   Covenants and Obligations of JPMC...............................    15

5. PROJECT TEAM..........................................................    16
   5.1   Supplier Personnel..............................................    16
   5.2   Key Personnel...................................................    17
   5.3   Subcontractors..................................................    18
   5.4   Access to Supplier Personnel and Resources......................    19
   5.5   Compliance with JPMC Requirements...............................    19

6. MANAGEMENT AND CONTROL; REPORTING.....................................    21
   6.1   Periodic Meetings...............................................    21
   6.2   Procedures Manual...............................................    21
   6.3   Reports.........................................................    21

7. INTELLECTUAL PROPERTY RIGHTS; WORK PRODUCT; ACCEPTANCE PROCEDURES.....    21
   7.1   Work Product....................................................    21
</TABLE>

                                        i

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

<TABLE>
<S>                                                                         <C>
   7.2   Supplier Tools, Supplier Software and Supplier Machines.........    23
   7.3   Consents........................................................    24
   7.4   JPMC License of Intellectual Property to Perform Services.......    25
   7.5   Limitations.....................................................    25

8. PAYMENTS TO SUPPLIER..................................................    25
   8.1   Fees............................................................    25
   8.2   Payment Schedule and Invoices...................................    26
   8.3   Recurring Costs.................................................    27
   8.4   [************]..................................................    27
   8.5   Increase in Fees................................................    27
   8.6   Audit of Fees...................................................    27

9. TAXES.................................................................    28
   9.1   Responsibility for Paying Taxes, Generally......................    28
   9.2   Segregation of Fees.............................................    29
   9.3   Cooperation.....................................................    29
   9.4   Assessment for Tax Deficiency...................................    29
   9.5   Required Disclosure.............................................    30

10. AUDITS...............................................................    30
   10.1  Audit Processing................................................    30
   10.2  Record Retention................................................    31
   10.3  Facilities......................................................    31

11. CONFIDENTIALITY; COMPLIANCE WITH PRIVACY POLICIES....................    31
   11.1  General Confidentiality Obligations.............................    31
   11.2  JPMC Confidential Information Specifically......................    34
   11.3  Unauthorized Acts...............................................    34
   11.4  Personal Information............................................    35

12. REPRESENTATIONS AND WARRANTIES.......................................    38
   12.1  Representations and Warranties..................................    38
   12.2  Disclaimer......................................................    40

13. INDEMNITIES..........................................................    41
   13.1  Indemnity by JPMC...............................................    41
   13.2  Indemnity by Supplier...........................................    41
   13.3  Indemnification Procedures......................................    42

14. DAMAGES..............................................................    44
   14.1  Direct Damages..................................................    44
   14.2  Limitations on Liability........................................    45

15. INSURANCE AND RISK OF LOSS...........................................    46
   15.1  Insurance.......................................................    46
</TABLE>

                                       ii

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

<TABLE>
<S>                                                                         <C>
   15.2  Certificates....................................................    47
   15.3  Policies........................................................    47
   15.4  Risk of Loss....................................................    47

16. TERM; TERMINATION....................................................    47
   16.1  Term............................................................    47
   16.2  Termination for Convenience.....................................    48
   16.3  Termination for Cause...........................................    48
   16.4  Termination for Insolvency; Change of Control...................    48
   16.5  Discontinuance of Services......................................    49
   16.6  Other Terminations..............................................    49

17. END OF TERM ASSISTANCE...............................................    49
   17.1  End of Term Assistance Services.................................    49
   17.2  JPMC'S Third Party Designees....................................    49
   17.3  End of Term Assistance Services Fees............................    49

18. SECURITY; INFORMATION TECHNOLOGY CONTROL POLICIES....................    50
   18.1  Safety and Security Procedures..................................    50
   18.2  Compliance with Security Regulations............................    50
   18.3  Compliance with JPMC Information/Technology Control Policies....    50
   18.4  Access by Regulatory Authorities................................    51
   18.5  Reports & On-Site Review........................................    51
   18.6  Changes that May Affect Services................................    52
   18.7  Ethical Hack....................................................    52
   18.8  Backup Disks....................................................    52
   18.9  Disaster Recovery Plan..........................................    52

19. MISCELLANEOUS PROVISIONS.............................................    53
   19.1  Survival........................................................    53
   19.2  Notices.........................................................    53
   19.3  Assignment, Binding Effect......................................    54
   19.4  Waiver..........................................................    55
   19.5  Entire Agreement; Amendments....................................    55
   19.6  EEOC............................................................    55
   19.7  Publicity.......................................................    55
   19.8  Headings........................................................    55
   19.9  Severability....................................................    56
   19.10 Nondisclosure of Terms..........................................    56
   19.11 Counterparts....................................................    56
   19.12 Regulatory Matters..............................................    56
   19.13 Force Majeure...................................................    56
   19.14 Dispute Resolution..............................................    57
   19.15 Governing Law; Venue............................................    58
   19.16 Relationship of Parties.........................................    58
</TABLE>

                                       iii

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

<TABLE>
<S>                                                                         <C>
   19.17 Third Party Beneficiaries.......................................    59
   19.18 Interpretation of Documents.....................................    59
   19.19 No Interference.................................................    59
   19.20 Covenant of Further Assurances..................................    59
   19.21 Negotiated Terms................................................    59
   19.22 Supplier Diversity..............................................    59
         MASTER AGREEMENT EXHIBIT A Task Order Template..................    61
         MASTER AGREEMENT EXHIBIT B Professional Unit....................    73
         MASTER AGREEMENT EXHIBIT C Pre-JPMC Assignment Statement........    74
         MASTER AGREEMENT EXHIBIT D Confidentiality and Non-Disclosure
            Agreement....................................................    77
         MASTER AGREEMENT EXHIBIT E Statement of JPMC Domestic
            Fingerprinting Policy for Contingent Worker Providers/
            Servicing Agencies...........................................    80
         MASTER AGREEMENT EXHIBIT F Statement of JPMC Domestic Drug
            Testing Policy for Contingent Worker Providers/Servicing
            Agencies.....................................................    81
         MASTER AGREEMENT EXHIBIT G Fees.................................    83
         MASTER AGREEMENT EXHIBIT H European Union Privacy Addendum......    84
</TABLE>

                                       iv
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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                                                      JPMC Agreement No. _______

                        MASTER SERVICE PROVIDER AGREEMENT

     THIS MASTER SERVICE PROVIDER AGREEMENT ("Master Agreement"), dated as of
December 6, 2004, is entered into among JPMorgan Chase Bank, with offices
located at 270 Park Avenue, New York, NY 10017, and Virtusa Corporation
("Supplier"), with offices located at 2000 West Park Drive, Westborough, MA
01581.

                                   BACKGROUND

     From time to time, JPMorgan Chase Bank and/or one its Affiliates (severally
and collectively, "JPMC") may request that Supplier perform services including
software development, programming, implementation, maintenance, consulting and
other services all as detailed in Task Orders (as hereinafter defined). Supplier
shall perform such Services in accordance with the Service Levels set forth in
each applicable Task Order and develop and deliver Work Product in connection
therewith in accordance with the Timetable (as hereinafter defined) and the
Specifications (as hereinafter defined), if any, set forth in each applicable
Task Order. Supplier desires to provide to JPMC, and JPMC desires to obtain from
Supplier the Services and the Work Product described in each Task Order attached
hereto and on the terms and conditions set forth herein.

     NOW, THEREFORE, for and in consideration of the agreements set forth below,
JPMorgan Chase Bank and Supplier agree as follows:

1. DEFINITIONS AND CONSTRUCTION.

     1.1 DEFINITIONS. The following defined terms as used in this Agreement
shall have the meanings specified below:

          (a) "Affiliate" of a Party shall mean any entity which Controls, is
Controlled by, or is under common Control with the Party specified. The
foregoing definition includes any entity that conforms to the definition as of
the Agreement Effective Date, as well as any entity that conforms to the
definition anytime thereafter.

          (b) "Agreement" shall mean, collectively, the: (i) Master Agreement,
(ii) applicable Task Order, and (iii) Agreement Collateral Documents.

          (c) "Agreement Collateral Documents" shall mean any and all exhibits,
schedules, appendices and other documents attached hereto, other than Task
Orders.

          (d) "Agreement Effective Date" shall mean the date first set forth in
the preamble paragraph above upon which this Agreement becomes binding and
enforceable.

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (e) "Agreement Year" shall mean each twelve (12) month period during
the Agreement Term, commencing on the Agreement Effective Date and on each
anniversary of the Agreement Effective Date occurring thereafter.

          (f) "Applicable Countries" shall mean all countries where Personal
Information is gathered, stored or processed.

          (g) "Applicable Laws" shall mean collectively all applicable laws,
rules, agency actions, and regulations, including the Regulatory Requirements
and any changes, supplements, or replacements to, or for, and interpretations
thereof that may relate to the provision of the Services and/or the creation of
the Work Product, as such "Applicable Laws" relate to a Party's designated
responsibilities under each Task Order.

          (h) "Application" shall mean all the elements required for the
operation of an application described in a Task Order including: (i) proprietary
or other software owned, licensed or developed for JPMC and (ii) Documentation
in connection therewith.

          (i) "Change in Control" shall mean: (i) a consolidation or merger of
an entity, or its parent corporation, into or with any other entity where the
original entity, or its parent corporation, is not the surviving entity (but
excluding any such merger or consolidation of any entity as to which at least
fifty percent (50%) of the outstanding voting securities of the surviving entity
are owned by the owners of the original entity, or its parent corporation,
immediately prior to the merger or consolidation), (ii) a sale, transfer or
other disposition of all, or substantially all, of the assets of an entity, or
its parent corporation, in a single transaction or series of related
transactions, to any person or entity, or group of related persons or entities,
not controlled by the transferring entity or its parent corporation or (iii) the
acquisition by any person or entities of beneficial ownership of at least fifty
percent (50%) of the outstanding shares of stock of an entity or its parent
corporation.

          (j) "Claim" shall mean any civil, criminal, administrative or
investigative action or proceeding then pending or threatened against either
Party.

          (k) "Confidential Information" shall mean with respect to:

               (i) JPMC, collectively, all data and information disclosed to
     Supplier, Supplier Personnel, or any Subcontractor in connection with the
     Services or any request for proposal and related bidding process including
     Personal Information and non-public information which is learned by
     Supplier without JPMC's intentional disclosure to it. Such information
     includes all JPMC Software (regardless of its state of completion or form
     of recordation), Specifications, Documentation, Work Product, product
     proposals, financial information, data, source or object code,
     documentation, manuals, studies, internally devised technology, system or
     network architecture or topology, security mechanisms, product or
     processing capacities, revenues, information relating to the business of
     JPMC (including internal procedures and policies, businesses plans, and
     products of JPMC), and all other trade secret, confidential or proprietary
     information and documentation of JPMC or its customers, prospective
     customers, employees, directors,

                                        2

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

     outside directors, retirees, and their respective spouses and families
     (whether or not it is designated as such), including information which is
     not permitted to be disclosed to third parties under Applicable Laws;

               (ii) Supplier, collectively, all non-public information which (A)
     Supplier (1) marks as trade secret or confidential information, or (2)
     claims to JPMC to be trade secret or confidential information, or (3) is
     recognizable by its nature to be a trade secret or confidential, or (4) is
     learned by JPMC without Supplier's intentional disclosure to it, or (5)
     JPMC knows is deemed by Supplier to be its trade secret or confidential
     information. Such information includes all Supplier Software (regardless of
     its state of completion or form of recordation), Supplier Tools, product
     proposals, financial information, data, source or object code,
     documentation, manuals, studies, and any other materials or information
     based thereon, and Supplier's businesses plans, policies, procedures, and
     products, and all confidential or proprietary information and documentation
     of Supplier (whether or not it is designated as such); provided, however,
     Work Product shall not be Supplier Confidential Information; and

               (iii) each Party, the terms of this Agreement.

          (l) "Control" of an entity shall mean that the specified party,
directly or indirectly, has the power to direct or cause the direction of the
management and policies of that entity through the ownership of voting
securities, by contract or otherwise.

          (m) "Deliverables" shall mean deliverables, services, materials or
other work product (including both object and fully commented source code)
deliverable in accordance with a Timetable on, or otherwise pursuant to, a Task
Order. Each Deliverable that includes software shall include fully commented
source code together with all necessary Documentation unless otherwise set forth
in a relevant Task Order.

          (n) "Destructive Elements" shall mean, collectively, any computer
code: (a) intentionally designed to disrupt, disable, alter, damage, interfere,
harm, or otherwise impede in any manner, including aesthetical disruptions or
distortions, (i) JPMC Confidential Information, (ii) the Work Product, (iii)
JPMC Software, (iv) Operating Environment, (v) Supplier Software, (vi) Supplier
Machines or (vii) the operation of the Services including other software or
systems used to provide the Services, or any other associated software,
firmware, hardware, computer system or network (sometimes referred to as
"viruses" or "worms"), (b) that would disable (i) the Services, (ii) Work
Product, (iii) JPMC Software or (iv) Supplier Software or impair in any way the
operation of any of the foregoing based on the elapsing of a period of time,
exceeding an authorized number of copies, advancement to a particular date or
other numeral (sometimes referred to as "timebombs", "time locks", or "drop
dead" devices), (c) that would permit Supplier or any Subcontractor to cause
disablement or impairment of the Work Product (sometimes referred to as "traps",
"access codes" or "trap door" devices) or (d) which contains any other similar
harmful, malicious or hidden procedures, routines or mechanisms which would
cause such programs to cease functioning or to damage or corrupt data, storage
media, programs, equipment or communications, or otherwise interfere with
operations.

                                        3

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (o) "Design Documents" shall mean collectively any design and
development plan and design specifications approved by JPMC.

          (p) "Disclosed Subject" shall mean each invention, discovery or
improvement, whether patentable or not, constituting the Work Product or any
part thereof.

          (q) "Documentation" shall mean, collectively, all operator and user
manuals, training materials, guides, listings, Specifications and any revisions
or additions to such documents relating to any Application for which Services
are performed or Work Product delivered pursuant to a Task Order.

          (r) "End of Term Assistance Period" shall mean a period of time
reasonably designated by JPMC, not to exceed twelve (12) months from the
expiration or earlier termination of an applicable Task Order Term, during which
period of time Supplier shall provide End of Term Assistance Services in
accordance with Article 17 (End of Term Assistance) hereof.

          (s) "End of Term Assistance Services" shall mean, collectively: (i)
the Services which were provided by Supplier immediately prior to the expiration
or termination of an applicable Task Order Term to the extent JPMC requests that
such Services be provided from such expiration or termination, (ii) any New
Services requested by JPMC in order to facilitate the transfer of the Services
to JPMC or another service provider designated by JPMC, and (iii) Supplier (A)
assisting JPMC in the development of a transition plan in connection therewith,
(B) making available necessary project personnel and resources to facilitate the
transition, (C) providing such interim Services as are necessary to successfully
complete such transition, (D) providing training, documentation and other
materials necessary to enable JPMC, or its designee, to assume responsibility
for the Services, (E) delivering to each of JPMC and its designees, the most
current copies of all Work Product, and (F) making available to JPMC and its
designees, pursuant to reasonable terms and conditions, any third party services
and systems then being utilized by Supplier in the performance of the Services,
subject to the terms and conditions of any applicable third party agreements.

          (t) "Enhancements" shall mean all extensions, additions or further
developments of an existing feature or capability of an Application or new
capability or feature of an Application or any component thereof, including new
releases, versions, modifications, improvements, upgrades, enhancements,
alterations, changes and conversions of an Application.

          (u) "Error" shall mean any error, defect or malfunction in an
Application that: (i) causes the integrity of an Application's data to be
compromised or corrupted; (ii) causes an unexpected error message or fatal error
to occur while using an Application; (iii) causes an Application to fail to
conform to any of the warranties contained in Section 12.1(Representations and
Warranties) or (iv) causes an Application to fail to conform to the
Documentation.

          (v) "Error Correction" shall mean a modification or other appropriate
fix to an Application that remedies an Error.

                                        4

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (w) "Ethical Hack" shall mean the efforts of a third party computer
security testing firm on the systems used in the operation of the Services to
identify any security faults.

          (x) "Fees" shall mean, collectively, those fees to be paid by JPMC to
Supplier in consideration of Supplier providing the Services and delivering the
Work Products, including any fees paid in the form of consideration other than
cash including coupons for products and services or any discounts for volume
purchasing.

          (y) "Force Majeure Event" shall mean fire, flood, earthquake, elements
of nature or acts of God, acts of war, terrorism, riots, civil disorders,
rebellions or revolutions, strikes, lockouts or labor difficulties or any other
cause beyond the reasonable control or anticipation of a Party, except for
Subcontractor defaults which do not result from such events.

          (z) "Functional and Technical Specifications" shall mean detailed
written functional and technical specifications including requirements,
operations and procedures for an Application, to be approved by JPMC.

          (aa) "Intellectual Property" shall mean any and all intellectual
property or proprietary rights, including copyright rights (including rights in
audiovisual works), moral rights, trademark rights (including logos, slogans,
domain names, trade names, and service marks), patent rights (including patent
applications and disclosures), know-how, inventions, proprietary computer
programs and software, rights of priority and trade secret rights, recognized in
any country or jurisdiction in the world.

          (bb) "JPMC Consents" shall mean any and all consents or approvals
necessary to allow Supplier, and any Subcontractor, to use any of the following
to provide the Services and Work Product: (i) JPMC Intellectual Property, (ii)
JPMC Software, (iii) Operating Environment, (iv) services and products provided
for the benefit of JPMC under JPMC's service contracts, (v) JPMC Confidential
Information and (vi) JPMC Content.

          (cc) "JPMC Content" shall mean any and all data and content, including
multimedia or images (including graphics, audio and video), HTML templates,
text, data images, design structure, graphic images, audio, video and
audiovisual material, and other materials and the like provided by JPMC,
Supplier and/or third parties, and that are used in connection with the
Services.

          (dd) "JPMC Intellectual Property" shall mean, collectively, the: (i)
Intellectual Property that was, is, or will be, developed by or for JPMC
including the Work Product, and (ii) JPMC Content. The term JPMC Intellectual
Property shall not include Operating Environment or JPMC Software.

          (ee) "JPMC Location" shall mean any location worldwide owned, leased
by or operated on behalf of JPMC.

          (ff) "JPMC Software" shall mean any and all JPMC and JPMC's licensors'
proprietary computer programs and software, including all services, processes,
data, information

                                        5

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

and tables created by or for JPMC, and all improvements, updates, fixes,
releases and updates related thereto, that are used in connection with the
Services, including the applications and modules detailed in any requests for
proposals.

          (gg) "New Services" shall mean, with respect to any Task Order, any
service that (i) is outside the scope of such Task Order, (ii) requires
resources other than those required for performance of the Services set forth in
such Task Order, or (iii) requires additional startup material expenses not
otherwise required for performance of the Services set forth in such Task Order.

          (hh) "Parties" shall mean, collectively, JPMC and Supplier.

          (ii) "Party" shall mean each of JPMC and Supplier, individually.

          (jj) "Pass-Through Expense" shall mean expenses paid directly by JPMC
to a third party vendor, or expenses incurred by Supplier on behalf of JPMC and
reimbursed by JPMC to Supplier at actual cost. Supplier shall promptly provide
JPMC with the original third party invoice, if a separate invoice for JPMC is
received by Supplier, for such expenses together with a statement that Supplier
has reviewed the invoiced charges and made a determination of which charges are
proper and valid and should be paid by JPMC.

          (kk) "Personal Information" shall mean, collectively, all information,
in any form, provided to Supplier, by or on behalf of JPMC, that alone, or in
combination with other information: (i) uniquely identifies a current, former or
prospective director, outside director, employee, retiree or customer of JPMC,
or their respective spouses or families (e.g., names, addresses, telephone
numbers, proprietary information concerning accounts, financial standing,
investment holdings and other financial data compiled by JPMC and/or provided by
such parties, specific financial needs and requirements with respect to
investment, financial position and standing, leads, referrals and references to
such parties, holding book or customer book pages, assets and obligations
carried in accounts of customers, etc.), or (B) is considered "sensitive
personal data", such as political opinions, religious beliefs or information
related to the physical or mental health of a current, former or prospective
director, outside director, employee, retiree or customer of JPMC, or their
respective spouses or families; or as otherwise defined under the laws of an
Applicable Country.

          (ll) "Procedures Manual" shall mean each written document jointly
developed by the Parties pursuant to a Task Order describing how JPMC and
Supplier will perform certain operational functions necessary to perform the
Services and meet the requirements of JPMC contemplated by such Task Order.

          (mm) "Operating Environment" shall mean the hardware platform and any
other equipment, configurations, machines, equipment, and associated
attachments, features, accessories, peripheral devices, operating systems,
control programs and other elements of the operating environment (including an
Internet or Internet oriented operating environment) on or in which JPMC uses a
software application.

                                        6

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (nn) "Regulatory Requirements" shall mean any laws, rules, regulations
legislative enactments, agency actions, or policies on an international,
Federal, state and local level to which JPMC is required to submit or
voluntarily submits.

          (oo) "Reports" shall mean, collectively: (i) those performance reports
measuring Supplier's or a Subcontractor's performance against the applicable
Service Levels and (ii) such other reports as are reasonably requested by JPMC
from time to time.

          (pp) "Services" shall mean, collectively: (i) all services set forth
in the Task Orders, (ii) all End of Term Assistance Services, (iii) all other
services set forth in this Agreement, including the development and delivery of
all Work Product specified therein, and (iv) any New Services requested by JPMC
pursuant to Section 2.6 (Change Orders) hereof

          (qq) "Service Levels" shall mean the performance standards which
Supplier will meet, and cause each Subcontractor to meet, in connection with the
provision of the Services, consisting of: (i) those set forth in an applicable
Task Order and/or Procedures Manual and (ii) any other performance standards
mutually agreed upon in a writing by JPMC and Supplier in connection with the
Services that references this Master Agreement and/or an applicable Task Order.

          (rr) "Specifications" shall mean, collectively, the Design Documents,
the Functional and Technical Specifications and other mutually agreed written
specifications and any written revisions or additions to the foregoing.

          (ss) "Subcontractor" shall mean any independent contractor, other than
a natural person, engaged by Supplier to perform the Services or any part
thereof

          (tt) "Task Order" shall mean, collectively, an agreement signed by
JPMC, and Supplier from time to time, respecting the performance of Services,
which agreement, by its terms, expressly provides that such Task Order shall be
part of and governed by the terms and conditions contained in this Master
Agreement together with the Agreement Collateral Documents and shall be
substantially in the form of the Task Order template attached hereto as Master
Agreement Exhibit A (Task Order Template). It is intended that each Task Order
be consecutively numbered and attached to this Master Agreement; however,
failure to consecutively number and/or attach any Task Order to this Master
Agreement shall not affect the validity of any such Task Order.

          (uu) "Task Order Effective Date" shall mean, with respect to any Task
Order, the date identified as such in such Task Order.

          (vv) "Task Order Term" shall mean, with respect to any Task Order, the
period of time identified as such in such Task Order.

          (ww) "Task Order Year" shall mean, with respect to any Task Order, the
period of time identified as such in such Task Order.

                                        7

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (xx) "Third Party Intellectual Property Rights" shall mean the rights
in or to the Intellectual Property of any third party.

          (yy) "Third Party Services" shall mean those services that JPMC
contracts with a third party to perform, including any New Services.

          (zz) "Timetable" shall mean, for each Task Order, the performance
schedule or timetable for Deliverables set forth in such Task Order.

          (aaa) "UCITA" shall mean, collectively, and singularly: (i) any
version of the Uniform Computer Information Transactions Act and (ii) any
substantially similar law.

          (bbb) "Supplier Consents" shall mean, collectively, all consents,
licenses, permits, authorizations or approvals of Supplier necessary to: (i)
allow JPMC to use throughout an applicable Task Order Term any (A) Supplier
Tools, (B) Supplier Machines, (C) third party services retained by Supplier, or
any Subcontractor, in order to provide the Services and/or create the Work
Product and (D) third party Intellectual Property or software necessary to
provide the Services and/or create the Work Product (excluding any third party
Intellectual Property or software provided by JPMC to Supplier in connection
with the Services), (ii) assign to JPMC the Work Product as provided herein or
(iii) required by legislative enactments and regulations applicable to Supplier
that are legally required to be obtained in connection with the performance of
the Services and the creation of the Work Product.

          (ccc) "Supplier Machines" shall mean any and all machines, equipment,
and associated attachments, features, accessories, and peripheral devices leased
or owned by Supplier, or any Subcontractor, and used by Supplier, or any
Subcontractor which do not constitute Work Product.

          (ddd) "Supplier Personnel" shall mean, collectively, and singularly,
each employee or independent contractor of Supplier involved in the Services and
each employee or independent contractor of any Subcontractor involved in the
Services. The term Supplier Personnel shall not include Subcontractors.

          (eee) "Supplier Service Location" shall mean each location at which
Supplier provides any Services.

          (fff) "Supplier Software" shall mean any and all Supplier proprietary
computer programs and software, including all services, processes, data,
information and tables created by Supplier, and all improvements, updates,
fixes, releases and updates related thereto, and related documentation, owned,
acquired or developed by Supplier, or any Subcontractor, or provided to
Supplier, or any Subcontractor, by any third party other than JPMC, which do not
constitute Work Product. The term Supplier Software shall not include Supplier
Tools.

          (ggg) "Supplier Task Order Manager" shall mean the primary Supplier
representative appointed by Supplier under each applicable Task Order pursuant
to Section 5.2(f) (Key Personnel) hereof

                                        8

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (hhh) "Supplier Tools" shall mean, collectively, certain knowledge,
techniques, procedures, routines and methods used in the creation of software
and certain functionality thereof which have been developed by Supplier, or a
Subcontractor in its regular course of business and which does not constitute
Work Product. The term Supplier Tools shall not include Supplier Machines or
Supplier Software. Supplier Tools shall include any new or improved
methodologies or tools developed by Supplier during the Agreement Term that are
created by Supplier independently of and without reference to or use of any
Confidential Information of JPMC and by personnel in the research and
development unit of Supplier that is separate from the unit providing the
Services. Each Task Order shall set forth Supplier Tools used in connection with
the Services and Deliverables applicable to such Task Order. Supplier Tools are
deemed Supplier trade secrets for all purposes under this Agreement.

          (iii) "Work Product" shall mean all Deliverables, services, materials
or other work product created or developed under this Agreement by or for
Supplier or for which Supplier is otherwise responsible hereunder (tangible,
recorded or otherwise, and without regard to the form of recordation or state of
completion), including working papers, narrative descriptions, reports, data,
tapes, diskettes, software (source code and object code), surveys and findings,
specifications, plans, procedures, data, files, interfaces, databases (including
the design and elements thereof), documentation, manuals, training materials, or
other results of Supplier's performance of the Services and precursors such as
product and strategic concepts and proposals, and all items of similar
character, excluding any Supplier Tools. Work Product includes all patent,
copyright, trademark, trade secret, moral and other intellectual property rights
in and to any of the foregoing.

     1.2 REFERENCES. In this Agreement references to, and mentions of: (i) the
words "including" or "includes", and the phrase "e.g." shall all mean
"including, without limitation"; (ii) the words "in writing" shall mean writings
delivered electronically, including by email and (iii) the phrase "as part of
the Services" shall mean that the services described are included as a part of
the Services for the Fees specified and no additional charge shall be payable by
JPMC in connection therewith; however, any failure to include a specific
reference to, or mention of the phrase "as part of the Services" in connection
with any services shall not imply or be construed to mean that the services
described are not included as a part of the Services for the Fees specified or
that an additional charge may be payable by JPMC in connection therewith.

     1.3 HEADINGS. The article and section headings of this Agreement are for
reference and convenience only and shall not be considered in the interpretation
of this Agreement.

     1.4 ADDITIONAL DEFINITIONS. In addition, the following terms have the
meaning set forth in the section of this Agreement indicated below:

<TABLE>
<S>                                  <C>
Divestment Date                      Section 2.1(b)
Divestment Unit                      Section 2.1(b)
Benefit                              Section 2.1(b)
Change Order Response                Section 2.6(a)
Professional                         Section 4.1(a)
</TABLE>

                                        9

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

<TABLE>
<S>                                  <C>
Account Manager                      Section 5.1(b)
Engagement Manager                   Section 5.1(b)
Key Personnel                        Section 5.2(a)
JPMC Requirements                    Section 5.5
Acceptance Testing                   Section 7.1(g)
Acceptance Criteria                  Section 7.1(g)
Testing Period                       Section 7.1(g)
Cure Period                          Section 7.1(g)
Initial Period                       Section 8.1
LOB                                  Section 8.2
Transmitting Party                   Section 11.1(a)
Receiving Party                      Section 11.1(a)
Privacy Laws                         Section 11.4(e)
Directive                            Section 11.4(e)
Data                                 Section 11.4(e)
EMU                                  Section 12.1(s)
Additional EMU Currencies            Section 12.1(s)
Indemnified Party                    Section 13.3(a)
Indemnifying Party                   Section 13.3(a)
Renewal Agreement Term               Section 16.1
Initial Agreement Term               Section 16.1
Agreement Term                       Section 16.1
Contingency Location                 Section 18.10(a)
CFR                                  Section 19.6
Transfer Provisions                  Section 19.22
Transferred Employee Section 19.22
</TABLE>

2. SERVICES.

     2.1 SCOPE OF THE SERVICES GENERALLY.

          (a) Commencing on the Agreement Effective Date and continuing
throughout the Agreement Term, JPMC shall from time to time request Supplier to
perform Services. If JPMC does so request, Supplier and JPMC shall work to
complete and execute a Task Order that describes the Services to be performed
(including any Service Levels and any Deliverables, Specifications or other Work
Product) each of which shall be deemed to incorporate by reference the terms and
conditions of this Master Agreement and the Agreement Collateral Documents and
shall constitute a separate and binding contract between JPMC and Supplier.
Services to be provided to, and Work Product to be created for, JPMC by Supplier
shall be governed by the terms set forth herein and such additional terms as are
contained in any Task Order.

          (b) A "Divestment Unit" shall mean any Affiliate of JPMC or any
business, division, department or group of assets of JPMC or any JPMC Affiliate
which: (i) was, immediately prior to a particular date ("Divestment Date"),
properly entitled to request that Supplier provide Services to such Person or
unit under this Agreement or to otherwise gain some

                                       10

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

benefit from this Agreement ("Benefit"), (ii) would not, on or after the
Divestment Date, be entitled (other than by virtue of this provision) to request
that Supplier provide Services to such Person or unit or gain that Benefit and
(iii) as of the Divestment Date, is either acquired by a legal entity or, in the
case of any business, division, department or group of assets, is constituted as
a separate legal entity, or, in the case of an Affiliate of JPMC, ceases to be
an Affiliate as defined in this Agreement for any other reason. If any of the
events specified in Subsection 2.1(b)(iii) above occurs, the rights and benefits
hereunder shall be extended to the affected Divestment Unit, without payment of
any transfer or other fee, to enable that Divestment Unit to continue to benefit
from this Agreement or to gain the Benefit for a transition period not to exceed
twelve (12) months from the Divestment Date. The parties understand and agree
that the purpose of such extension is to permit the Divestment Unit to request
Services, to continue to receive Services or to otherwise gain the Benefit on a
temporary basis during the transition to alternative development and maintenance
providers.

     2.2 PERFORMANCE OF SERVICES. For each Task Order, Supplier shall provide to
JPMC the Services and create and deliver other Work Product pursuant to the
Deliverables Timetable (if any) and in accordance with the Service Levels and
Specifications (if any) set forth in such Task Order. Supplier understands that
prompt performance by Supplier of all Services and prompt delivery of all Work
Product is required by JPMC in order to enable JPMC to meet its schedules and
commitments, and that Supplier shall use its best commercial efforts to adhere
to the work and staffing schedules and Timetable (if any) agreed to by the
Parties for the Services to be provided and Work Product to be delivered by
Supplier. Notwithstanding the foregoing, in the event of a delay by JPMC in
providing materials, information, equipment, access to facilities and/or
completing tasks, all as required pursuant to this Agreement (including any Task
Order), then the Timetable shall be adjusted in an amount equal to the delay
caused by JPMC; provided, however, that to the extent that such delay is a
material delay then any such adjustment shall be subject to the change order
procedure described in Section 2.6 (Change Orders).

     2.3 INCREASES AND DECREASES IN SERVICES. Subject to Section 2.6 below
(Change Orders), Supplier shall increase or decrease the amount or volume of the
Services from time to time pursuant to JPMC's request, including in the event of
an acquisition, divestiture or other corporate transaction affecting JPMC's
demand for the Services. Supplier shall use commercially reasonable efforts to
efficiently minimize related charges to JPMC.

     2.4 APPLICABLE LAWS; COUNTRY-SPECIFIC LEGAL AND REGULATORY REQUIREMENTS.

          (a) As a part of the Services, Supplier shall comply with all
Applicable Laws that relate to the provision of the Services by Supplier and the
creation of the Work Product, to the extent compliance directly relates to
Supplier's designated responsibilities under each Task Order. Supplier shall
notify JPMC of any changes in Applicable Laws of which it has knowledge. If a
charge of non-compliance with any Applicable Law occurs (with regard to either
Supplier or any Subcontractor), then Supplier shall promptly notify JPMC of such
charge in writing. Supplier shall be responsible for any fines and penalties
arising from any noncompliance with the Applicable Laws by Supplier, or any
Subcontractor, to the extent compliance directly relates to Supplier's
designated responsibilities, and/or, to the extent JPMC's

                                       11

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

regulatory and banking policies have been provided to Supplier in writing (such
compliance to be subject to the change control procedures set forth in Section
2.6 (Change Orders)), from Supplier's and any Subcontractor's noncompliance with
such policies, which responsibility shall survive the expiration or earlier
termination of this Agreement. JPMC shall be responsible for any fines and
penalties, or those portions of any fines and penalties, arising directly and
proximately from JPMC's failure to comply substantially with Applicable Laws or
JPMC's regulatory and banking policies. Supplier shall use commercially
reasonable efforts to perform the Services regardless of changes in Applicable
Laws. If such changes prevent Supplier from performing its obligations under
this Agreement, Supplier shall develop and, upon JPMC's prior written approval,
implement a suitable workaround, at Supplier's expense, until such time as
Supplier can perform its obligations under this Agreement without such
workaround.

          (b) Supplier recognizes that in certain countries or jurisdictions:
(i) regulatory or governmental entities may request additional contractual
provisions with Supplier to those in the Agreement in order to enable Supplier
to perform the Services or to enable JPMC (or a JPMC Affiliate) to provide
Supplier with access to Personal Information or Confidential Information in
accordance with common law duties, regulatory or statutory requirements in the
relevant jurisdiction (including under the data protection or privacy laws) or
(ii) JPMC may determine, on the basis of legal advice from counsel in the
relevant jurisdiction, that certain additional contractual provisions with
Supplier to those in the Agreement are necessary in order to ensure or enable
compliance with common law duties, regulatory, statutory or pre-existing
contractual requirements in the relevant jurisdiction or as contemplated under
the Agreement. Upon JPMC's written request, Supplier agrees to include such
provisions in Master Agreement Exhibit H European Union Privacy Addendum) of the
Agreement (and vary the Agreement accordingly), or in a separate agreement
between JPMC and Supplier; provided, however, that to the extent such provisions
require a change in the Services, the change order procedures set forth in
Section 2.6 (Change Orders) below shall apply to such change in the Services.

     2.5 THIRD PARTY SERVICES. JPMC shall have the right to contract for Third
Party Services, and in such event, Supplier shall cooperate with JPMC, and any
such third party, to the extent reasonably required by JPMC, including
providing: (a) in writing, to the extent available, applicable requirements,
standards and policies for the Third Party Services; (b) assistance and support
services to such third party at reasonable prices and (c) access to the
Services, Subcontractors, Supplier Tools, Supplier Software, Supplier Machines,
Supplier Personnel, and Supplier Service Locations to the extent that such
access is required for the Third Party Services. Notwithstanding the foregoing,
Supplier shall not be required to provide access to Supplier Tools, Supplier
Software and/or Supplier Machines to any direct competitor of Supplier.

     2.6 CHANGE ORDERS.

          (a) During a Task Order Term, JPMC may propose New Services or changes
to such Task Order by delivering a written notice to Supplier describing: (i)
the New Services (including the Work Product to be developed and delivered in
connection therewith, if any) or changes, (ii) a Timetable for performance, if
appropriate and (iii) establishing a reasonable period of time for Supplier to
respond. Supplier shall respond to such proposal within such

                                       12

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

period of time by preparing, at Supplier's expense, and delivering to JPMC a
written document ("Change Order Response"), indicating: (A) the effect of the
proposal, if any, on (1) the amounts payable by JPMC under the applicable Task
Order and (2) Supplier's performance of its obligations thereunder, (B) the
anticipated time required for implementation of such New Services or changes
and/or delivery of the Work Product, (C) the New Services or changes that
Supplier anticipates performing, (D) Supplier Tools, Supplier Software and
Supplier Machines to be provided by Supplier, (E) Supplier Personnel and
Subcontractors that will be necessary, (F) if appropriate, acceptance test
criteria and procedures therefor, (G) any new Service Levels and/or necessary
modifications to any existing Service Levels and (H) any other information
requested in the proposal or reasonably necessary for JPMC to make an informed
decision regarding the New Services or changes to the Services.

          (b) Supplier shall not begin performing any New Service or changes
until each Party has authorized them in writing through an amendment to the
applicable Task Order. Notwithstanding any other provision of this Agreement,
Supplier acknowledges that Supplier is expected to accomplish normal and routine
tasks associated with its obligations hereunder and no additional chargeable
resources will be approved by JPMC therefor, including charges resulting from
changes in Applicable Laws. For clarity, a normal and routine task shall mean a
task that can be accomplished with forty (40) or fewer Professional Days (as
defined in Master Agreement Exhibit B hereto (Professional Unit). Each Change
Order Response must be expressly accepted by JPMC in writing prior to additional
Fees being incurred. If Supplier fails to deliver a Change Order Response within
the time period allotted in such notice, then such failure will be deemed a
rejection by Supplier to provide such New Services or changes with no affect on
or change to the Fees, performance time or required resources specified in the
applicable Task Order.

3. SERVICE LEVELS.

     3.1 SERVICE LEVELS. Throughout an applicable Task Order Term, Supplier
shall provide the Services and develop the Work Product covered by the
applicable Task Order: (a) in a professional and workmanlike manner, (b) with
reasonable care and skill, (c) with customer and technical support in accordance
with the standards set forth in such Task Order, (d) in accordance with the
Specifications and Deliverables Timetable (if any) set forth in such Task Order
and (e) at the Service Levels set forth in such Task Order. Supplier shall also
maintain the Service Levels during the implementation process and any End of
Term Assistance Period pursuant to an applicable Task Order.

     3.2 ADJUSTMENT OF SERVICE LEVELS. Both JPMC and Supplier may, at any time
upon notice to the other, initiate negotiations to review and, upon written
agreement by Supplier Task Order Manager and JPMC's designated representative,
amend any Service Level which either Party, in good faith, believes is
inappropriate at the time.

     3.3 ROOT-CAUSE ANALYSIS. Without limiting JPMC's rights and remedies
hereunder, at law and in equity, within three (3) days (or other term set forth
in a Task Order) of receipt of a notice from JPMC with respect to any failure by
Supplier, or any Subcontractor, to provide the Services at the appropriate
Service Levels, Supplier shall, as part of the Services, perform a root-

                                       13

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

cause analysis to identify the cause of such failure, provide JPMC with a report
detailing the cause of, and a procedure for correcting, such failure. As soon as
possible thereafter, Supplier shall correct such failure and provide assurances
satisfactory to JPMC that such failure will not recur after the procedure has
been completed; provided, however, that such correction and assurances shall not
be required to the extent that the cause of such failure is determined to be
from causes outside of the scope of Services. If applicable, Supplier shall
cause the applicable Subcontractor to perform the root cause analysis and
related corrective activities described in this Section 3.3 (Root-Cause
Analysis).

     3.4 MEASUREMENT AND MONITORING. As part of the Services, Supplier shall
implement (or cause the applicable Subcontractor to implement) the necessary
measurement and monitoring tools and procedures required to measure and report
Supplier's, or any Subcontractor's, performance of the Services against the
applicable Service Levels. Such measurement and monitoring shall permit
reporting at a level of detail sufficient to verify compliance with the Service
Levels, and shall be subject to audit by JPMC. Supplier shall provide JPMC with
information and access to such tools and procedures upon request, for purposes
of verification. All such tools, procedures, and audit results shall be held as
Supplier Confidential Information. Notwithstanding the foregoing or anything in
this Agreement to the contrary including Section 11.1(c) (General
Confidentiality Obligations), JPMC shall be permitted to disclose such audit
results to its regulators, its directors, officers, agents, subcontractors and
employees and its Affiliates' and its directors, officers, agents,
subcontractors and employees for any business purpose of JPMC and without
complying with any restrictions set forth in such Section 11.1(c) (General
Confidentiality Obligations) (e.g., written confidentiality agreements with
non-employees, etc.). Furthermore, notwithstanding the foregoing or anything in
this Agreement including Section 11.1(f) (General Confidentiality Obligations),
JPMC shall have not have any obligation to return or destroy any of such tools,
procedures, and audit results upon Suppliers' request or termination of this
Master Agreement or any applicable Task Order.

     3.5 CONTINUOUS IMPROVEMENT. As part of the Services with respect to an
applicable Task Order, Supplier shall use, and shall cause its Subcontractors to
use, commercially reasonable efforts to identify ways to improve the Service
Levels, including applying proven techniques and tools from other installations
within its and their operations that would benefit JPMC, either operationally or
financially. Supplier will apprise JPMC of Supplier's technology planning
activities as they relate to the Services with respect to an applicable Task
Order on at least a quarterly basis. Supplier will consult with JPMC on mutually
beneficial technology developments, and will use reasonable efforts to include
input from JPMC in improvements to be made.

     3.6 SUPPLIER SERVICE LOCATIONS. The Services contemplated by a Task Order,
shall be provided from Supplier Service Locations expressly set forth in such
Task Order. The Services may be provided from any other Supplier Service
Location pre-approved by JPMC in writing, provided that JPMC shall have approved
in writing the security procedures at such new Supplier Service Location. JPMC
shall be reimbursed by Supplier for any incremental expense incurred by JPMC as
a result of a relocation to a new Supplier Service Location. Each Supplier

                                       14

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

Service Location shall comply with the safety and security procedures and
standards and other requirements set forth in Article 18 (Security; Information
Technology Control Policies).

4. COVENANTS AND OBLIGATIONS OF THE PARTIES.

     4.1 COVENANTS AND OBLIGATIONS OF SUPPLIER.

          (a) U.S. Presence. During the Agreement Term, Supplier shall at all
times: (i) employ a minimum of [***********] project managers or leaders and/or
developers (e.g., an individual who has the capability to code, test, produce
technical deliverables, and manage deliverables, etc.) (each, a "Professional")
and (ii) maintain a development facility located within the United States with
the capacity for a minimum of [**********] Professionals.

          (b) Financial Reports. During the Term and subject to relevant
securities laws, Supplier shall deliver to JPMC no later than: (i) ninety (90)
days after the end of each fiscal year, true and complete copies of the audited
balance sheet and related audited statements of income, shareholders' equity and
cash flow for the fiscal year then ended, together with the notes, if any,
relating thereto and (ii) forty-five (45) days after the end of each quarter in
Supplier's fiscal year, true and complete copies of Supplier's unaudited
quarterly financial statements for the quarter then ended. Each of the foregoing
financial statements (including in all cases the notes thereto, if any) shall be
accurate and complete in all material respects, be consistent with the books and
records of Supplier and shall be prepared in accordance with GAAP.

          (c) On-Site Support. Supplier shall provide on-site support as
required and set forth on a Task Order which shall include the services of an
Account Manager as set forth in Section 5.1(b) (Project Team).

          (d) Connectivity. At no charge to JPMC, Supplier shall establish and
maintain connectivity from the Supplier Service Locations to the firewall
interface with JPMC, all as required by JPMC in order for Supplier to provide
the Services with sufficient bandwith and reliability to meet the Service Levels
and security standards set forth in this Master Agreement and any applicable
Task Order.

          (e) Replication of Operating Environment Training of JPMC Personnel.
If required by any applicable Task Order, Supplier shall replicate JPMC's
development, testing, and Operating Environment at the Supplier Service
Location. Supplier shall deliver the Deliverables in accordance with the
Timetable and the Deliverables and other Work Product shall function in the JPMC
Operating Environment in accordance with the all Specifications, all as set
forth on the applicable Task Order. As a part of the Services, for each Task
Order Supplier shall train personnel designated by JPMC in the use of the Work
Product. The training shall be at such locations and at such times as set forth
in the applicable Task Order.

     4.2 COVENANTS AND OBLIGATIONS OF JPMC.

                                       15

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (a) JPMC shall provide appropriate facilities and infrastructure
required for Supplier Personnel to perform agreed upon activities at JPMC
Locations.

          (b) JPMC shall assist Supplier in executing the knowledge acquisition
and implementation plans agreed to between the parties and attached to a Task
Order.

          (c) JPMC shall ensure that all its personnel who may be necessary or
appropriate for the successful implementation of the Services will, on
reasonable notice and to the extent set forth in the applicable Task Order, be
available to assist Supplier's personnel, attend meetings, and perform such
other activities or tasks as required pursuant to any applicable Task Order.

5. PROJECT TEAM.

     5.1 SUPPLIER PERSONNEL.

          (a) Supplier shall appoint sufficient Supplier Personnel for each Task
Order who are: (i) of suitable experience, training and skills to provide the
Services and deliver to Work Product pursuant to such Task Order, including
properly trained personnel fluent in the English language and able to handle
telephone inquiries and questions, technical, implementation and program
management support to establish and maintain all Services, (ii) adequately
experienced and trained by Supplier, before such Supplier Personnel are assigned
to perform the Services pursuant to such Task Order and (iii) authorized to work
in the United States for the performance of any Services in the United States
including Blanket L-1 approvals and H-1B visas for each of such Supplier
Personnel. Supplier acknowledges and agrees that during the Agreement Term it
shall retain Supplier Personnel with experience providing the Services and with
knowledge of the technologies and computer programs in connection therewith.

          (b) In addition to Supplier Personnel assigned to a particular Task
Order, as a part of the Services and at no additional expense to JPMC, Supplier
shall provide: (i) an on-site account manager ("Account Manager") who shall be a
senior level executive and shall be responsible for managing the day to day
relationship between the Parties and (ii) an engagement manager ("Engagement
Manager") who shall be a senior level executive and shall be responsible for
managing the overall relationship between the Parties. This Account Manager
shall have the necessary skills to provide on-site consultation and training for
the technology support team as needed.

          (c) Without limiting Supplier's obligations herein, upon request by
JPMC, Supplier shall provide JPMC, with respect to an applicable Task Order,
with: (i) a list of all Supplier Personnel, if any, dedicated full-time to
providing the Services and who need access to the JPMC Operating Environment or
technical systems and (ii) a contact list of support, technical, and program
management representatives that may be contacted by JPMC.

          (d) If JPMC reasonably determines that the turnover rate for Supplier
Personnel performing Services pursuant to a Task Order is excessive and so
notifies Supplier,

                                       16

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

then Supplier shall provide data concerning its turnover rate at the next
meeting referred to in Section 6.1 (Periodic Meetings) and shall discuss the
reasons for the turnover rate at such meeting. All information, data, materials,
and reports created or produced by Supplier in connection with this Subsection
5.1(d) (Supplier Personnel) shall be deemed Supplier's Confidential Information.
Notwithstanding the foregoing or anything in this Agreement to the contrary
including Section 11.1(c) (General Confidentiality Obligations), JPMC shall be
permitted to disclose such audit results to its regulators, its directors,
officers, agents, subcontractors and employees and its Affiliates' and its
directors, officers, agents, subcontractors and employees for any business
purpose of JPMC and without complying with any restrictions set forth in such
Section 11.1(c) (General Confidentiality Obligations) (e.g., written
confidentiality agreements with non-employees, etc.). Furthermore,
notwithstanding the foregoing or anything in this Agreement including Section
11.1(f) (General Confidentiality Obligations), JPMC shall not have any
obligation to return or destroy any of such information, data, materials, and
reports upon Suppliers' request or termination of this Master Agreement or any
applicable Task Order. In any event, notwithstanding transfer or turnover of
Supplier Personnel, Supplier remains obligated to perform the Services without
degradation and in accordance with this Agreement.

     5.2 KEY PERSONNEL.

          (a) JPMC may designate certain Supplier Personnel as key personnel for
a particular Task Order ("Key Personnel") which, in any event, shall include
Supplier Task Order Manager, the Account Manager and the Engagement Manager. All
Key Personnel shall have sufficient knowledge and authority within Supplier's
organization to assure that Supplier will be responsive to JPMC's reasonable
requests. The names and qualifications of each of the Key Personnel for an
applicable Task Order shall be set forth in such Task Order.

          (b) Supplier shall not reassign or replace, or permit the reassignment
or replacement of, any Key Personnel unless: (i) Supplier has received the prior
written consent of JPMC for such reassignment or replacement or (ii) the member
of the Key Personnel ceases performance of the Services due to (A) voluntary
resignation from employment with Supplier, or any Subcontractor, as the case may
be, (B) dismissal from employment with Supplier, or any Subcontractor, as the
case may be, for misconduct (e.g., fraud, drug abuse, theft), (C) removal of
such Key Personnel member following a material failure to perform obligations
pursuant to this Agreement or (D) death or disability of such Key Personnel
member or exercise of statutory leave. In the event of any voluntary resignation
of any Key Personnel from employment with Supplier, Supplier shall use its best
commercial efforts to retain such employee.

          (c) Before assigning an individual to a Key Personnel position,
whether as an initial assignment or as a replacement, Supplier shall provide
JPMC with any information regarding the individual (including a resume) that may
be reasonably requested by JPMC. Supplier shall only assign to a Key Personnel
position an individual who is pre-approved by JPMC in writing.

                                       17

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (d) Supplier shall not assign any Key Personnel to provide services
which are substantially similar to the Services provided under an applicable
Task Order for any business or organization that competes with JPMC, without
JPMC's prior written consent for a period of twelve (12) months after such Key
Personnel ceased to provide Services for JPMC.

          (e) Each Supplier Task Order Manager shall: (i) have overall
responsibility for managing and coordinating the performance of Supplier's
obligations under the applicable Task Order and (ii) be authorized to act for,
and on behalf of, Supplier with respect to all matters relating to such Task
Order. Supplier's appointment of any Supplier Task Order Manager shall be
subject to JPMC's prior written consent. Each Supplier Task Order Manager shall
be deemed a Key Personnel for all purposes of this Agreement.

          (f) If JPMC decides, in its sole discretion, that any Key Personnel
member should not continue in that position, then JPMC may request removal of
that individual by giving Supplier notice of the request and the reasons
therefor. Supplier shall promptly replace that individual pursuant to Section
5.2(b) (Key Personnel) and Section 5.2(c) (Key Personnel) above. If Supplier is
unable to replace either the Key Personnel with an individual reasonably
satisfactory to JPMC, JPMC shall have the right to terminate this Master
Agreement (with respect to any Account Manager and/or Engagement Manager) and
any Task Order (with respect to any Task Order Manager) for cause pursuant to
Section 16.3 (Termination for Cause).

          (g) For purposes of this Section 5.2(g) (Key Personnel), the term
"Employee" shall mean an employee of either Supplier or JPMC or their respective
Affiliates with whom the other may come into contact as a result of the
relationship created by this Agreement, including, computer programmers,
analysts and persons with a technical data processing background. Except with
prior written consent of the other Party, no Employee of either JPMC nor
Supplier shall hire or attempt to hire or attempt to hire any Employee of the
other Party during the applicable Task Order Term during which the Employee of
Supplier performed Services and the Employee of JPMC was associated and for one
year after the expiration or termination of such Task Order Term.
Notwithstanding the foregoing the provisions of this Section 5.2(g) (Key
Personnel) shall not apply to Employees who respond to job placement ads, job
fair applications or through third party recruiters.

     5.3 SUBCONTRACTORS.

          (a) Supplier shall not use any Subcontractor without JPMC's prior
written consent thereto to be granted in its sole and absolute discretion.
Supplier agrees and acknowledges that such consent in each instance is
conditioned upon the proposed Subcontractor's execution of an agreement, in a
form acceptable to JPMC, and upon Supplier's (or Subcontractor's) complete and
timely compliance with the terms and conditions of such an agreement. JPMC shall
have the right to revoke such approval upon thirty (30) days' notice to Supplier
if the Subcontractor's performance is deficient in any material respect;
provided, however, that if the deficiency is remedied to the reasonable
satisfaction of JPMC on a timely basis, such approval shall not be revoked.

                                       18

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (b) The use of any Subcontractor shall not release Supplier from its
obligations hereunder, including compliance with the terms of this Agreement,
and Supplier shall remain responsible for obligations performed by
Subcontractors to the same extent as if such obligations were performed by
Supplier. Supplier shall be solely responsible for all payments to
Subcontractors.

          (c) At JPMC's request, Supplier shall forward to JPMC a copy of the
relevant terms of the subcontract (such terms to include the confidentiality and
work-for-hire provisions) that will exist between Supplier and any
Subcontractor. Supplier shall cause any Subcontractor to comply fully with each
of the terms and conditions of this Agreement applicable to such Subcontractor's
provision of Services (including any documents referenced herein). At a minimum,
Supplier shall include the following provisions in each subcontract between
Supplier and any Subcontractor:

               (i) the right of Supplier to terminate such subcontract upon
     JPMC's request: (A) if there was a material misrepresentation concerning
     such Subcontractor at the time approval was given and the Subcontractor's
     performance is deficient in any material respect; provided, however, that
     JPMC shall not exercise this right unless it has given Supplier notice of
     its intention to do so and the performance deficiency has not been
     corrected within ten (10) days after the date of such notice or (B) where
     JPMC has good faith doubts concerning such Subcontractor's ability to
     render future performance because of changes in ownership, management,
     staffing, or financial condition;

               (ii) a provision requiring the Subcontractor to protect JPMC's
     Confidential Information in a manner substantially equivalent to that
     required of Supplier in Article 11 (Confidentiality; Compliance with
     Privacy Policies) hereof;

               (iii) a provision in which Supplier agrees and acknowledges that
     JPMC shall not have any obligation to any Subcontractor, including
     disclosure of any JPMC Confidential Information, until such Subcontractor
     has executed a subcontract in a form acceptable to JPMC; and

               (iv) an assignment to JPMC of all rights in and to all Work
     Product in accordance with Section 7.1 (Work Product) hereof

     5.4 ACCESS TO SUPPLIER PERSONNEL AND RESOURCES. As part of the Services,
Supplier shall provide to JPMC, upon JPMC's request, equal access to specialized
technical expertise and resources consistent with Supplier's other commercial
customers receiving a substantially similar type and volume of services.

     5.5 COMPLIANCE WITH JPMC REQUIREMENTS. Supplier acknowledges that JPMC, as
a participant in a highly regulated industry, has certain additional
requirements and that such requirements may apply to Supplier's Personnel ("JPMC
Requirements"). The JPMC Requirements may be amended from time to time by JPMC
and JPMC shall give Supplier notice of any such amendments.

                                       19

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (a) Supplier agrees to comply with all then existing JPMC Requirements
concerning any of Supplier's Personnel (where permitted by applicable laws and
regulations). Any of Supplier's Personnel who do not successfully meet or comply
with any of the then current JPMC Requirements shall not be assigned, or if
applicable, shall not continue in an assignment, to perform Services; however,
such failure to meet or comply with any of the JPMC Requirements shall not
affect such individual's eligibility for employment with Supplier.

          (b) The JPMC Requirements currently mandate, and Supplier represents
and warrants that, each member of Supplier's Personnel who is placed in any
assignment will:

               (i) on or before the first day of the assignment (or if more than
     six (6) months have elapsed since completion of a prior assignment, on or
     before the first day of the next assignment):

                    (A) accurately complete, sign and submit to Supplier a
          PreJPMC Assignment Statement (a current copy of which is attached
          hereto as Exhibit C (PreJPMC Assignment Statement));

                    (B) sign and submit to Supplier, JPMC's then standard form
          of Confidentiality and Non-Disclosure Agreement (a current copy of
          which is attached hereto as Exhibit D (Confidentiality and
          Non-Disclosure Agreement));

                    (C) submit to fingerprinting in accordance with the then
          Statement of JPMC Domestic Fingerprinting Policy for Contingent Worker
          Providers/Servicing Agencies as it applies to Supplier and Supplier's
          Personnel (a current copy of which is attached hereto as Exhibit E
          (Statement of JPMC Domestic Fingerprinting Policy for Contingent
          Worker Providers/Servicing Agencies)); and

                    (D) submit to drug testing, in accordance with the then
          Statement of JPMC Domestic Drug Testing Policy for Contingent Worker
          Providers/Servicing Agencies as it applies to Supplier and Supplier's
          Personnel (a current copy of which is attached hereto as Exhibit F
          (Statement of JPMC Domestic Drug Testing Policy for Contingent Worker
          Providers/Servicing Agencies)).

               (ii) promptly submit to a background check upon JPMC's request.

          (c) The JPMC Requirements currently mandate and Supplier represents
and warrants that: (i) Supplier shall retain original signed copies of each
document referenced in Subsections 5.5(b)(i)(A) and (b)(i)(B) above with respect
to each member of Supplier's Personnel, and (ii) upon JPMC's request, Supplier
shall promptly produce and deliver to JPMC original signed copies of each
document referenced in Subsections 5.5(b)(i)(A) and (b)(i)(B) above with respect
to each member of Supplier's Personnel for whom JPMC requests such documents.

                                       20
<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

6.   MANAGEMENT AND CONTROL; REPORTING.

     6.1 PERIODIC MEETINGS. At JPMC's request, or at such times as are set forth
in the applicable Task Order, JPMC's designated representative and Supplier Task
Order Manager shall meet, at mutually agreed upon locations and times, to
discuss and evaluate the Services including: (a) activities and objectives under
this Agreement or any applicable Task Order and Service Levels, (b) operation
procedures or other aspects of this Agreement, including customer service,
pricing, market conditions (including opportunities to achieve cost reduction),
budgets and long range goals, (c) recommend and discuss Application Enhancements
and discuss long-term strategic planning including development work and new
releases, (d) any other issues that impact either Party, the Services, or the
Work Product or (e) other issues deemed appropriate by the Parties. Each Party
shall be responsible for its own expenses relating to such meetings.

     6.2 PROCEDURES MANUAL. If requested by JPMC, JPMC and Supplier will jointly
develop a Procedures Manual for each Task Order. Supplier agrees to comply with
each Procedures Manual. Supplier agrees and acknowledges that any Procedures
Manual may be modified or amended, from time to time, in writing, by JPMC, or by
Supplier with JPMC's prior written consent; provided, however, that any material
changes shall be subject to the change control procedures set forth in Section
2.6 (Change Orders).

     6.3 REPORTS. Throughout each Task Order Term, and as part of the Services,
Supplier shall maintain and provide to JPMC, as provided by such Task Order: (a)
all Reports in content and format specified by such Task Order or otherwise in
writing by JPMC, in both hardcopy and in an electronic form and (b) such
documentation and information as may be requested by JPMC from time to time in
order to verify the accuracy of the Reports. At JPMC's request, Supplier shall
promptly correct any material errors or inaccuracies in the Reports. All Reports
shall be provided in English. All reports created or produced by Supplier in
connection with this Section 6.3 (Reports) shall be deemed Supplier's
Confidential Information. Notwithstanding the foregoing or anything in this
Agreement to the contrary including Section 11.1(c) (General Confidentiality
Obligations), JPMC shall be permitted to disclose such audit results to its
regulators, its directors, officers, agents, subcontractors and employees and
its Affiliates' and its directors, officers, agents, subcontractors and
employees for any business purpose of JPMC and without complying with any
restrictions set forth in such Section 11.1(c) (General Confidentiality
Obligations) (e.g., written confidentiality agreements with non-employees,
etc.). Furthermore, notwithstanding the foregoing or anything in this Agreement
including Section 11.1(f) (General Confidentiality Obligations), JPMC shall not
have any obligation to return or destroy any of such reports upon Suppliers'
request or termination of this Master Agreement or any applicable Task Order.

7.   INTELLECTUAL PROPERTY RIGHTS; WORK PRODUCT; ACCEPTANCE PROCEDURES.

     7.1  WORK PRODUCT.

          (a) All Deliverables and other materials created or delivered under
any Task Order (excluding Supplier Tools and Supplier Software) shall be deemed
Work Product unless

                                       21

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

such materials are explicitly deemed not to be Work Product on such Task Order.
Work Product shall be deemed a "work made for hire" and thus, JPMC shall have
all right, title and interest in and to the Work Product, and all copies
thereof. To the extent any of the Work Product is not deemed a "work made for
hire" by operation of law, Supplier hereby irrevocably assigns, transfers and
conveys, and shall cause the Subcontractors to assign, transfer and convey, to
JPMC, with full title guarantee, and without further consideration, all of
Supplier's right, title and interest in and to such Work Product, including all
rights of patent, copyright, trade secret or other proprietary rights (in any
jurisdiction) in such materials. To the extent that any claim is made concerning
the existence of moral rights in regard to the Work Product, Supplier agrees to
waive, and assign over to JPMC, all such right, title and interest to the
fullest extent permissible by law. Supplier acknowledges that JPMC, and its
assigns (if any), shall have the right to obtain and hold in their own name any
Intellectual Property rights in and to the Work Product. Supplier agrees to
execute any documents and take any other actions as may be necessary, or as JPMC
may request, to perfect JPMC's ownership of any such Work Product. Supplier
represents that it does not have any commitments to others under which Supplier
is obligated to make any transfer or assignment of any portion of the Work
Product in conflict with Supplier's obligations to JPMC pursuant to this
Agreement.

          (b) JPMC's ownership rights in and to the Work Product shall include
the copyrights in and to any and all works of authorship constituting the Work
Product, in any medium now existing or which shall be invented in the future.

          (c) Supplier shall promptly report in writing each Disclosed Subject
to JPMC, and specifically point out the features or concepts that Supplier
believes to be new or different.

          (d) Supplier shall obtain a written agreement from each Subcontractor
and Supplier Personnel, prior to the commencement of such Subcontractor's and
Supplier Personnel's performance, as shall be necessary to ensure that JPMC will
have the exclusive vested and indefeasible ownership rights provided for in this
Section 7.1 (Work Product). JPMC shall have the right to obtain and to hold in
its own name, all patents, copyrights, trademark registrations, or such other
protection as may be appropriate to the subject matter, and any extensions and
renewals thereof. Supplier agrees to provide to JPMC, and to cause all
Subcontractors and Supplier Personnel, at JPMC expense, to provide to JPMC, and
any persons designated by JPMC, (i) any and all duly executed and acknowledged
instruments of assignment, affidavits and other documents, and (ii) all lawful
assistance reasonably required (including the giving of live testimony at JPMC's
expense for reimbursement of reasonable travel and other expenses), in order to
perfect, defend and enforce the rights of JPMC that are defined in this Section
7.1 (Work Product).

          (e) Unless otherwise set forth in a Task Order, any computer software
Work Product deliverable by Supplier hereunder shall be accompanied by copies of
applicable commented source code and Documentation to enable JPMC personnel,
should it become necessary, to operate and replicate all applicable executables
and data files, using only such materials together with commercially available
off-the-shelf tools and components.

                                       22

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (f) Notwithstanding anything set forth on any applicable Task Order,
Supplier shall deliver to JPMC on a weekly basis all Work Product (including
source code and Documentation, if applicable) developed during such week under
all then current Task Orders.

          (g) All Work Product and Services shall be subject to acceptance
testing ("Acceptance Testing") by JPMC to determine whether the Work Product and
Services delivered contain the functionality of, and perform in conformance
with, all Specifications and other objective requirements as may be described in
an applicable Task Order (collectively, "Acceptance Criteria"). Acceptance
Testing shall run for a period determined by JPMC of not more than ninety (90)
days after delivery of the Work Product and/or Services, as the case may be
("Testing Period"). A Testing Period shall exist for any Deliverable milestones
specified in the Timetable.

               (i) During the Testing Period, JPMC shall notify Supplier of
     either its acceptance or rejection of the Work Product and/or Services, as
     the case may be. Upon receipt of a notice of rejection, Supplier shall,
     within ten (10) business days of receipt of JPMC's notification ("Cure
     Period"), correct the Deliverable to meet the Acceptance Criteria, with
     respect to Work Product and submit a corrected version of the Deliverable.
     Notwithstanding the foregoing, the Cure Period may be extended if Supplier
     requests an extension and such extension is consented to by JPMC, such
     consent not to be unreasonably delayed or withheld, (it being acknowledged
     and agreed that what is reasonable shall be determined by JPMC in its
     discretion).

               (ii) JPMC will have an additional period of time equal to the
     initial Testing Period to re-perform Acceptance Testing.

               (iii) If JPMC determines that the defects have not been corrected
     so that the Work Product and Services meet the Acceptance Criteria, JPMC
     may, at its option, do one of the following by notifying Supplier: (A)
     extend the Cure Period to correct the defects and re-perform Acceptance
     Testing in accordance with the procedure set forth above; (B) accept the
     Work Product and/or Services, as the case may be, and negotiate for lesser
     performance or (C) terminate the applicable Task Order. With regard to
     fixed bid projects, if JPMC elects to terminate the applicable Task Order
     as aforesaid,
     [*************************************************************].

          (h) Upon expiration, or earlier termination, of this Master Agreement
or a Task Order, as the case may be, or upon JPMC's earlier request, Supplier
shall immediately surrender to JPMC all Work Product, or any lesser part
designated by JPMC in writing. Supplier shall retain no part or copy of any Work
Product. If requested by JPMC, Supplier shall certify in writing its exacting
compliance with the foregoing provision.

     7.2  SUPPLIER TOOLS, SUPPLIER SOFTWARE AND SUPPLIER MACHINES.

          (a) In addition to any JPMC Intellectual Property and JPMC Software,
Supplier shall use Supplier Tools, Supplier Software and Supplier Machines as
set forth in the applicable Task Order in performing the Services and/or
creating the Work Product. Supplier

                                       23

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

shall recreate the JPMC Operating Environment as described in the applicable
Task Order. JPMC shall have the right to approve in writing any Supplier
Software and Supplier Machines prior to such use. All Supplier Software,
Supplier Tools, and Supplier Machines are, or shall be, and shall remain, the
exclusive property of Supplier, or if applicable, Supplier's third party
licensors, and JPMC shall have no rights or interests in or to Supplier
Software, Supplier Tools or Supplier Machines, except as set forth in this
Agreement. Supplier shall make Supplier Software and Supplier Machines available
to JPMC in connection with the Services during the applicable Task Order Term
including any End of Term Assistance Period, at no additional cost to JPMC.
Except as may be pre-approved by JPMC in writing, Supplier shall not make any
changes or modifications to the copy of Supplier Software being used in
connection with the Services, or Supplier Machines that would adversely affect
the Services or the price, scope, or timely delivery of the Services, provided
that all updates, modifications, and enhancements and maintenance services
required to keep current with information technology industry practices or
otherwise required by third party providers shall be implemented at Supplier's
discretion; provided, however, if any such update, modification and/or
enhancement could reasonably be expected to have any impact or effect on the
Services or Work Product, Supplier shall provide ninety (90) days prior written
notice. Supplier shall be responsible, at no charge to JPMC, for any required
modification or enhancement to, or substitution for, Supplier Software or
Supplier Machines.

          (b) Supplier shall not incorporate into any Deliverable or require to
make or use any item to be made pursuant to any design Deliverable hereunder any
third party Intellectual Property, third party software, Supplier Tools or
Supplier Software, without the prior written consent of JPMC to be granted in
its sole discretion. To the extent that any Deliverable incorporates any
Supplier Tools, such tools shall be listed in the applicable Task Order. If any
Supplier Tools are incorporated, Supplier hereby grants to JPMC and its assigns,
a nonexclusive, worldwide, fully paid, perpetual, assignable and irrevocable
right and license to store, reproduce, display, perform, license and sublicense
(through multiple tiers), create derivative works, publicly perform, publicly
display, digitally perform, import, offer for sale, sell, make, have made,
transmit and use such part or portion of the incorporated Supplier Tools in the
Work Product in any media now known or hereafter created in conjunction with
JPMC's use of the Deliverable into which such Supplier Tool is incorporated. If
any consent is given to incorporate Supplier Software, JPMC and its assigns
shall automatically have a non-exclusive, worldwide, fully paid, perpetual,
irrevocable right and license to store, reproduce, display, perform, license and
sublicense, create derivative works, transmit and use such part or portion of
the Supplier Software in conjunction with JPMC's use of the related Deliverable.

     7.3  CONSENTS.

          (a) All JPMC Consents shall be obtained by JPMC with Supplier's
reasonable cooperation. Unless otherwise set forth in a Task Order, JPMC shall
obtain such consents and pay any costs and fees of obtaining the JPMC Consents.
Supplier shall cooperate fully in reasonable efforts to obtain any JPMC
Consents.

                                       24

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (b) If any JPMC Consent is not obtained, then, unless and until such
JPMC Consent is obtained, Supplier shall determine and adopt, subject to the
prior written approval of JPMC, such alternative approaches as are practicable,
necessary and sufficient to provide the Services and create the Work Product
without such JPMC Consents.

          (c) All Supplier Consents shall be obtained by Supplier with JPMC's
reasonable cooperation, including all Supplier Consents necessary for JPMC to
use any third party Intellectual Property or third party software. Unless
otherwise set forth in a Task Order, all Supplier Consents shall be obtained by
Supplier, on behalf of JPMC, at Supplier's sole cost and expense, including
fees.

     7.4 JPMC LICENSE OF INTELLECTUAL PROPERTY TO PERFORM SERVICES. During the
Agreement Term, JPMC hereby grants to Supplier a nonexclusive, worldwide and
royalty-free right and license, for use in connection with the Services, to
store, reproduce, display, perform, transmit and use the JPMC Intellectual
Property and JPMC Software, and with respect to Services performed on-site at
any JPMC location, a right to use the Operating Environment only to perform such
on-site Services, all solely for the purposes of this Agreement (and not for the
benefit of any third party), and Supplier acknowledges and agrees that its use
of the JPMC Intellectual Property in connection with this Agreement shall not
create any right, title or interest in or to such JPMC Intellectual Property.
Except for the licenses expressly granted hereunder, neither this Agreement nor
any disclosure made hereunder grants any license by JPMC to Supplier of any JPMC
Intellectual Property.

     7.5 LIMITATIONS. Except as may be otherwise expressly provided in this
Agreement, JPMC does not grant to Supplier any right or license, express or
implied, in or to the JPMC Intellectual Property, JPMC Software, or Operating
Environment. Supplier understands and agrees that JPMC and/or JPMC's licensors',
as the case may be, are the exclusive owners of, and hold and shall retain, all
right, title and interest in and to the JPMC Intellectual Property, JPMC
Software, and Operating Environment, and Supplier shall have no ownership or use
rights therein. Supplier is the exclusive owner of, and holds and shall retain,
all right, title and interest in and to, Supplier Tools, Supplier Software, and
Supplier Machines, and JPMC shall have no ownership or use rights therein.

8.   PAYMENTS TO SUPPLIER.

     8.1  FEES.

          (a) JPMC shall pay to Supplier the Fees set forth in an applicable
Task Order which shall not exceed the Fees attached hereto as Master Agreement
Exhibit G (Fees). Unless otherwise set forth in an applicable Task Order, all
Fees shall be paid upon acceptance of the Work Product or achievement of the
applicable milestone in accordance with the Timetable and procedures in this
Master Agreement and any applicable Task Order, it being acknowledged and agreed
that with respect to time and materials and maintenance services, all Fees shall
be paid as set forth in the applicable Task Order. Thereafter, Supplier may
increase the Fees in accordance with the terms and conditions of Section 8.5
(Increase in Fees) below; provided, however, that in

                                       25

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

no event shall this sentence be interpreted to permit an increase in Fees during
the shorter of: (i) the [*********] of such Task Order, or (ii) the
[************] of such Task Order, unless such other period of time is expressly
set forth in such Task Order ("Initial Period"). For clarity, in the event of an
increase in the Fees pursuant to Section 8.5 (Increase in Fees), such increase
shall not be effective with respect to any Task Order entered into during
[*******] of such [********] period until the end of the Initial Period.

          (b) The Fees may be a fixed fee (calculated using the Fees set forth
in the applicable Task Order or calculated on the basis of a Professional Unit
(day or week as described in Master Agreement Exhibit B (Professional Unit)),
and shall include all direct fees and expenses reasonably incurred by Supplier
in connection with any Task Order and this Master Agreement together with the
Agreement Collateral Documents prior to both the Agreement Effective Date and
the Task Order Effective Date, unless otherwise expressly agreed by the Parties
in writing. Charges for preparation and presentation of bid proposals shall not
be paid by JPMC. Further, if payment under any Task Order is in whole or in part
based on time charges, no payment shall be made by JPMC for any travel time,
except with JPMC's express prior written consent. Unless expressly agreed in any
Task Order, Supplier shall be responsible for all out-of-pocket expenses
actually incurred and paid by Supplier in connection with performance of any
Task Order, including travel, hotel, housing, visas or other work permits and
entertainment expenses. If expressly provided in the applicable Task Order, such
expenses reasonably incurred shall be reimbursed in accordance with JPMC's
then-current published policies governing travel and business expenses, a copy
of which shall be furnished to Supplier. Supplier will attach to invoices for
out-of-pocket expenses, copies of customary receipts and other such appropriate
documentation as evidence of expenses incurred and paid.

     8.2  PAYMENT SCHEDULE AND INVOICES.

          (a) Supplier shall invoice JPMorgan Chase Bank or the JPMC Affiliate
that executed the applicable Task Order at such times and for such period as are
expressly provided for in the applicable Task Order. Such invoices shall set
forth the Task Order number and, in reasonable detail, the Services provided or
to be provided by Supplier, or any Subcontractor, during the period covered by
such invoice, prorating Fees if the period covered thereby constitutes a partial
period. Except for any amounts that are disputed in good faith by JPMorgan Chase
Bank or such JPMC Affiliate or as otherwise provided in the applicable Task
Order, invoices shall be due and payable within forty five (45) days after
receipt by JPMorgan Chase Bank or the applicable JPMC Affiliate, as the case may
be, at the JPMC bill-to-address set forth in such Task Order.

          (b) Only JPMorgan Chase Bank shall be responsible for Fees and Task
Orders signed by JPMorgan Chase Bank. Only the JPMC Affiliate shall be
responsible for Fees and Task Orders signed by that JPMC Affiliate. Any charges
by Supplier, or any Subcontractor, for New Services will be invoiced as
expressly agreed in writing by JPMorgan Chase Bank, or the applicable JPMC
Affiliate, and Supplier at the time a Task Order is amended to include such New
Services. JPMorgan Chase Bank or the applicable LOB (as hereinafter defined)
shall have the right to set-off against amounts owed by such LOB under the
applicable Task Order any

                                       26

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

amount Supplier is obligated to pay or credit such LOB under the applicable Task
Orders; provided, however, that if this Agreement is terminated and/or there are
no outstanding Task Orders, Supplier shall be required to refund to JPMC or the
applicable LOB the remaining balance. The defined term "LOB" shall mean each of:
(i) the Investment Bank, (ii) Investment Management and Private Banking, (iii)
JPMorgan Partners, (iv) Retail and Middle Market Financial Services, (v)
Treasury and Security Services, or any successor to any of the aforementioned
units and (vi) corporate services, including Corporate Business Services and
Enterprise Technology Services.

     8.3 RECURRING COSTS. If general market conditions or technology changes
reduce Supplier's recurring costs by a non deminimis amount in providing the
Services, Supplier shall renegotiate with JPMC to share those reduced costs with
JPMC.

     8.4 [*************************].
[*****************************************************************************
*****************************************************************************
****************************************************************************.]

     8.5 INCREASE IN FEES. If any increase in the Fees set forth in the
applicable Task Order is contemplated after the later of: (a) the [***********]
period described in Section 8.1 (Fees) above, or (b) with respect to a
particular Task Order, the Initial Period, such increase in Fees shall be
mutually agreed upon in writing between the Parties, provided that in no event
shall the rate of any increase in Fees exceed [***********]. In addition, to the
extent that Supplier purchases equipment or software as required pursuant to any
applicable Task Order, Supplier shall not charge JPMC more than its actual cost;
provided, further, that JPMC shall be responsible for any taxes on such
purchase.

     8.6 AUDIT OF FEES. Upon reasonable prior written notice from JPMC, but in
no event more than once in any twelve (12) month period, Supplier shall provide
JPMC and its authorized agents with access to such financial records and
supporting documentation as may be reasonably requested by JPMC, and JPMC may
audit the Fees pursuant to an applicable Task Order to determine that such Fees
are accurate and in accordance with such Task Order. If, as a result of such
audit, JPMC determines that Supplier has overcharged JPMC, JPMC shall provide
written documentation of such claim to Supplier and notify Supplier of the
amount of such overcharge and Supplier, after review of such documentation and
any necessary adjustment, shall promptly pay to JPMC the amount of the
overcharge, plus interest at the prime rate (as quoted in the Wall Street
Journal on the last day of the month prior to such month when payment is due)
plus one and [******************] per annum, but in no event to exceed the
highest lawful rate of interest, calculated from the date of receipt by Supplier
of the overcharged amount until the date of payment to JPMC. If any such audit
reveals an overcharge to JPMC by Supplier of [**********] or more of a
particular fee category overall, Supplier shall also reimburse JPMC promptly for
the cost of such audit. All information disclosed during any audit shall be held
as Supplier Confidential Information and shall not be disclosed except for the
purposes of this Section 8.6 (Audit of Fees) and as otherwise required to be
disclosed to agents and regulators of JPMC.

                                       27

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

9.   TAXES.

     9.1  RESPONSIBILITY FOR PAYING TAXES, GENERALLY.

          (a) (i) Supplier shall be responsible for any sales, service,
     value-added, use, excise, consumption, and any other taxes and duties on
     the goods or services it purchases, consumes or uses in providing the
     Services, including taxes imposed on Supplier's acquisition or use of such
     goods or services and the amount of tax is measured by Supplier's costs in
     acquiring such goods or services.

               (ii) Unless JPMC provides Supplier with a valid and applicable
     exemption certificate or as otherwise provided in this Section, JPMC will
     be responsible for sales, use, excise, services, consumption and other
     taxes or duties (excluding value added tax) that are assessed on the
     provision of the Services and for which Supplier invoices JPMC before the
     expiration of the applicable JPMC statutory period for assessment of
     deficiencies. Supplier agrees to indemnify JPMC for any penalties and
     interest arising from Supplier's failure to collect or remit such tax.

               (iii) Except when separately identified by Task Order (per clause
     9.1 (a)(iv)) or as otherwise provided in this Section, JPMorgan Chase Bank
     NY will be responsible for value-added taxes that are assessed on the
     provision of the Services (including the reimbursement of expenses), any
     particular goods provided to JPMC by Supplier, its Affiliates or
     subcontractors, or the charges for such goods or Services. If a value added
     tax is later assessed against Supplier due to a change in law or otherwise,
     on the provision of the Services, however levied or assessed, except for
     assessments levied against the Supplier for administrative errors by the
     Supplier (e.g. incorrect calculation of the quantum of VAT due), to the
     extent Supplier may not recover or obtain a credit for such tax, both
     parties will negotiate in good faith and agree on a commercial resolution
     to this issue to their mutual satisfaction. Failing an agreement between
     the Parties on such adjustment, JPMC reserves the right to terminate the
     affected Task Orders in accordance with Section 16.2.

               (iv) When Services are specifically identified in the Task Order
     as being liable to value-added taxes, Supplier will be responsible for
     levying such taxes on the provision of the Services and JPMC will be
     responsible for paying said taxes in addition to the consideration payable.

               (v) Any taxes assessed, as determined by JPMC, on the provision
     of the Services resulting from Supplier relocating or rerouting the
     delivery of Services for Supplier's convenience to, from or through a
     location other than the location approved by JPMC as of the Effective Date
     of the applicable Task Order, shall be paid by JPMC and JPMC shall receive
     a credit with respect to the fees invoiced thereunder equal to the payments
     made pursuant to this Subsection 9.1 (a)(v).

          (b) JPMC may deduct withholding taxes, if any, from payments to
Supplier where required under applicable law. JPMC shall, at Supplier's written
request, provide Supplier

                                       28

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

with appropriate receipts for any taxes so withheld to the extent that JPMC has
received such receipts from the applicable taxing authority.

          (c) Each of JPMC and Supplier (for itself and its subcontractors)
shall bear sole responsibility for all taxes, assessments and other real
property related levies on its owned or leased real property, personal property
(including software), franchise and privilege taxes on its business, and taxes
based on its net income or gross receipts. Supplier's employees shall not be
considered employees of JPMC by reason of their provision of Services under this
contract and Supplier shall bear sole responsibility for all payroll and
employment taxes relating to its employees.

     9.2 SEGREGATION OF FEES. JPMC and Supplier shall cooperate to segregate the
fees payable hereunder into the following separate payment streams: (a) those
for taxable Services; (b) those for nontaxable Services; (c) those for exempt
Services, (d) those for which a sales, use or other similar tax has already been
paid; and (e) those for which Supplier functions merely as a paying agent for
JPMC in receiving goods, supplies or services (including leasing and licensing
arrangements) that otherwise are nontaxable or have previously been subject to
tax. Supplier shall state separately on its invoices the portion of fees which
are subject to any sales, use, excise, value-added, services, consumption or
other taxes due during the term of an applicable Task Order in connection with
the provision of the Services, and the amounts of any taxes Supplier is
collecting from JPMC.

     9.3 COOPERATION. JPMC and Supplier shall reasonably cooperate to more
accurately determine each party's tax liability and to minimize such liability
to the extent legally permissible. JPMC and Supplier shall provide and make
available to the other party any resale certificates, information regarding
out-of-state sales or use of equipment, materials or services, and other
certificates or information reasonably requested by such other party. Software
licenses acquired by, delivered to and installed at certain JPMC locations and
maintenance services applicable thereto are exempt from sales and use taxes.
JPMC will provide Supplier with the applicable documentation applicable to tax
exempt transactions at the time an applicable license schedule is signed.
Specifically, for all software delivered and installed at certain JPMC locations
described in a letter from the New York City Industrial Development Agency
("IDA"), dated February 7, 2003, a copy of which has been delivered to Supplier,
JPMC shall be deemed to have ordered such software in its own name as agent for
the IDA for the purposes of qualifying for exemption from New York State and New
York City sales and use taxes.

     9.4 ASSESSMENT FOR TAX DEFICIENCY. If either Party is assessed a deficiency
for taxes payable by the other Party pursuant to this Master Agreement, the
assessed Party will promptly notify the other Party of such assessment and will
administratively contest such assessment to the extent it is timely requested or
authorized to do so by the other Party. The other Party will be given a
reasonable opportunity to participate in any such administrative contest and to
review prior to submission the terms of any communication the assessed Party
undertakes as part of such administrative contest. The assessed Party will not
agree the amount of any such assessment without the approval of the other Party,
such agreement not to be unreasonably withheld. The other Party shall indemnify
and hold harmless the assessed Party from any such

                                       29

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

tax deficiency. Penalties and interest, if any, associated with such deficiency
shall be the responsibility of (i) assessed Party where such deficiency resulted
from a failure of the assessed Party to properly invoice the other Party. The
other Party shall reimburse the assessed Party for all accounting and attorneys'
fees and expenses reasonably incurred in contesting such assessment at the
request or upon the authorization of the other Party; provided, however, that
the assessed Party shall not be required to contest any such assessment unless
requested or authorized to do so by the other Party, and payment by the assessed
Party of an assessed deficiency which it was not timely requested or authorized
by the other Party to contest, said assessment having been promptly advised to
the other Party, will be deemed a payment which the assessed Party was required
to pay to the appropriate government entity.

     9.5 REQUIRED DISCLOSURE. Notwithstanding anything herein to the contrary,
any party hereto (and any of its employees, representatives and other agents)
may disclose to any and all persons, without limitation of any kind: (a) any
information with respect to the U.S. federal income tax treatment of the
transactions contemplated herein and any facts that may be relevant to
understanding such tax treatment, which facts shall not include for this purpose
the names of the parties or any other person named herein, or information that
would permit identification of the parties or such other persons, or any pricing
terms or other nonpublic business or financial information that is unrelated to
such tax treatment or facts, and (b) all materials of any kind (including
opinions or other tax analyses) relating to such tax treatment or facts that are
provided to any of the persons referred to above.

10.  AUDITS.

     10.1 AUDIT PROCESSING.

          (a) Upon notice from JPMC, Supplier shall provide such auditors
(internal and external to JPMC) and inspectors as JPMC, or any regulatory
authority may, from time to time, designate with reasonable access, at all
reasonable times, to: (i) Supplier Service Locations, (ii) Supplier Software,
Supplier Tools, JPMC Software and Applications, (iii) Supplier Machines, (iv)
all Subcontractors and Supplier Personnel and (v) all JPMC Confidential
Information, Work Products, the data and records relating to the Services
including data and records evidencing or pertaining to any Personal Information,
for the purpose of performing audits or inspections of the Services. Supplier
shall provide, and shall cause its Subcontractors or other representatives to
provide, such auditors and inspectors any assistance that they may reasonably
require. In no event shall any JPMC external auditors be a direct competitor of
Supplier.

          (b) If any audit by an auditor designated by JPMC or a regulatory
authority results in Supplier being notified that it, or any Subcontractor, is
not in compliance with: (i) JPMC's corporate audit procedures, (ii) any U.S.
generally accepted accounting principle or (iii) any Applicable Law including
the Electronic Signatures in Global and National Commerce Act, or audit
requirement relating to the Services or Supplier's business, Supplier shall, and
shall cause its Subcontractors to, take all actions to comply with any such
Applicable Law or audit requirement relating to the Services or Supplier's
business.

                                       30

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (c) Supplier shall bear the expense of any such response that is: (i)
required by any Applicable Law or audit requirement relating to the Services or
Supplier's business, (ii) performed by Supplier as part of the Services or (iii)
necessary due to Supplier's noncompliance with any Applicable Law or audit
requirement imposed on Supplier. As part of the Services, Supplier shall provide
to JPMC a copy of those portions of Supplier's internal audit reports relating
to the Services.

          (d) Any audit reports or results, including any management responses
thereto, shall be maintained in the United States and shall be in written in, or
translated to, English.

     10.2 RECORD RETENTION. As part of the Services, Supplier shall: (a) retain
records and supporting documentation sufficient to document the Services and the
Fees paid or payable by JPMC under this Agreement, including records and
supporting documentation evidencing or pertaining to any JPMC Confidential
Information and Personal Information, during the Agreement Term and for a period
of time following the expiration or termination of this Agreement, in accordance
with all Applicable Laws including the Electronic Signatures in Global and
National Commerce Act, and otherwise consistent with JPMC's record retention
policy but in no event less than seven (7) years, and (b) upon notice from JPMC,
provide JPMC and its authorized agents with reasonable access to such records
and documentation. All such documents and records shall be in English.

     10.3 FACILITIES. Supplier shall provide to JPMC, and such auditors and
inspectors as JPMC may designate in writing, on Supplier's premises (or if the
audit is of a Subcontractor, the Subcontractor's premises if necessary), space
and office services as JPMC, or such auditors and inspectors, may reasonably
require to perform the audits described in this Article 10 (Audits).

11.  CONFIDENTIALITY; COMPLIANCE WITH PRIVACY POLICIES.

     11.1 GENERAL CONFIDENTIALITY OBLIGATIONS.

          (a) All JPMC Confidential Information is, or will be, and shall remain
the property of JPMC. Supplier is the owner of all Supplier Confidential
Information. JPMC and Supplier consider it mutually beneficial that in
connection with the Services: (i) JPMC disclose the JPMC Confidential
Information to Supplier, and (ii) Supplier disclose Supplier Confidential
Information to JPMC. JPMC and Supplier each agree to treat the Confidential
Information of the other as confidential and proprietary to the other Party in
accordance with the terms and conditions of this Agreement. For purposes of this
Agreement, the Party providing Confidential Information, and such Party's
Affiliates, as applicable, shall be referred to as the "Transmitting Party" and
the Party receiving the Confidential Information, and such Party's Affiliates,
as applicable shall be referred to as the "Receiving Party".

          (b) Except as otherwise expressly set forth in any license granted by
Supplier to JPMC hereunder, the Receiving Party shall not: (i) disclose,
duplicate, copy, transmit or otherwise disseminate in any manner whatsoever any
Confidential Information of the Transmitting Party provided to the Receiving
Party by reason of the relationship established by

                                       31

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

this Agreement, or learned by the Receiving Party by reason of this Agreement,
(ii) otherwise use the Confidential Information of the Transmitting Party (A)
for the Receiving Party's own benefit or that of any third party, (B) to the
Transmitting Party's detriment, (C) for any purpose other than performance of
the Services, or (D) in any manner unnecessary to the performance of the
Services, (iii) commercially exploit any Confidential Information of the
Transmitting Party, (iv) use any copies of any Confidential Information of the
Transmitting Party, except as contemplated by this Agreement, (v) acquire any
right in, or assert any lien against, the Confidential Information of the
Transmitting Party or (vi) refuse for any reason (including a default or
material breach of this Agreement by the Transmitting Party) to promptly provide
the Confidential Information of the Transmitting Party, including copies
thereof, to the Transmitting Party if requested to do so (excluding copies of
such Confidential Information as may be necessary to be retained by reason of
legal, accounting or regulatory requirements).

          (c) Notwithstanding the provisions of Section 11.1(b) above (General
Confidentiality Obligations), the Receiving Party shall be permitted to disclose
relevant aspects of the Transmitting Party's Confidential Information to the
Receiving Party's and its Affiliates' directors, officers, agents,
subcontractors and employees to the extent that such disclosure is necessary for
the performance of the Receiving Party's obligations under this Agreement;
provided, however, that:

               (i) the Receiving Party shall take all reasonable measures to
     ensure that the Confidential Information of the Transmitting Party is not
     disclosed or duplicated in contravention of the provisions of this
     Agreement by such directors, officers, agents, subcontractors and
     employees;

               (ii) the Receiving Party shall assume full responsibility for the
     acts or omissions of the parties listed in Subsection 11.1(c)(i) above
     (General Confidentiality Obligations) receiving the Confidential
     Information from or through the Receiving Party; and

               (iii) before disclosing any Confidential Information of the
     Transmitting Party, all such persons receiving Confidential Information
     shall: (A) have requisite clearance; (B) if not employees of the Receiving
     Party (excluding regulators), be subject to a written confidentiality
     agreement with the Receiving Party that is consistent with this Agreement
     and that names the Transmitting Party as a third party beneficiary thereof,
     a copy of which agreement shall be provided by the Receiving Party to the
     Transmitting Party prior to any such non-employee being given access to the
     Confidential Information of the Transmitting Party; (C) have a need to know
     such Confidential Information for performance related to the Services; and
     (D) in the case of employees of the Receiving Party, have been informed of
     the confidential nature of the Confidential Information and have expressly
     agreed to act in accordance with the terms and conditions of this Agreement
     (such agreement to include, with respect to JPMC, affirmation of JPMC's
     Worldwide Rules of Conduct).

                                       32

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (d) Notwithstanding anything in this Agreement to the contrary, the
Receiving Party shall comply with all privacy and data protection laws, rules
and regulations and all privacy policies of the Transmitting Party which are, or
which may in the future be, applicable to the terms of this Agreement or the
Services. The Transmitting Party must advise, and shall have the continuing
obligation to advise, the Receiving Party in writing of all such privacy and
data protection laws, rules and regulations, and policies of the Transmitting
Party which are, or which may in the future be, applicable to the terms of this
Agreement or the Services. Without limiting the generality of the preceding
sentence, the Receiving Party agrees that it will not use, nor disclose to any
other Party, any nonpublic personal information which it receives from the
Transmitting Party in connection with this Agreement, except in accordance with
this Agreement.

          (e) The obligation to treat information as Confidential Information as
provided by this Section 11.1 (General Confidentiality Obligations) shall not
apply to information which: (i) shall be publicly available through no action of
the Receiving Party in violation of this Agreement, (ii) shall have been in the
Receiving Party's possession prior to disclosure by the Transmitting Party,
(iii) the Receiving Party can demonstrate to have been developed by the
Receiving Party independently and without use of any Confidential Information
that the Transmitting Party has disclosed to the Receiving Party or (iv) shall
be obtained by the Receiving Party from third parties not known to the Receiving
Party to be bound by an obligation of confidentiality to the Transmitting Party.

          (f) Upon termination of this Master Agreement together with the
Agreement Collateral Documents, or any applicable Task Order pursuant to which
the Confidential Information was disclosed, or upon the Transmitting Party's
earlier request, the Receiving Party, and its subcontractors, shall promptly
give over to the Transmitting Party, all of the Transmitting Party's
Confidential Information then in the Receiving Party's, or its subcontractors',
possession. The Receiving Party, and its subcontractors, shall retain no part or
copy of any of the Transmitting Party's Confidential Information and, if
requested in writing, the Receiving Party, and its subcontractors, shall certify
their respective complete compliance with the foregoing provision.

          (g) The Receiving Party acknowledges that its obligations under this
Agreement with regard to: (i) trade secrets of the Transmitting Party shall
remain in effect for as long as such information shall remain a trade secret
under applicable law, (ii) Personal Information shall remain in effect forever,
without expiration and (iii) all other Confidential Information of the
Transmitting Party shall remain in effect for a period of five (5) years after
the expiration or earlier termination of the applicable Task Order to which such
other Confidential Information pertains.

          (h) The Receiving Party acknowledges the competitive value and
confidential nature of the Transmitting Party's Confidential Information and
that disclosure thereof to any third party could be harmful to the Transmitting
Party, competitively and otherwise. If the Receiving Party, or any party to whom
the Receiving Party transmits the Confidential Information pursuant to this
Agreement, becomes legally compelled to disclose any of the

                                       33

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

Confidential Information, the Receiving Party, to the extent permitted by law,
shall provide the Transmitting Party with prompt notice so that the Transmitting
Party may seek a protective order or other appropriate remedy and shall
cooperate in seeking reasonable protective arrangements requested by the
Transmitting Party. If such protective order or other remedy is not obtained,
the Receiving Party shall furnish only that portion of the Confidential
Information which, in the written opinion of its counsel, is legally required,
and the Receiving Party shall exercise its reasonable best efforts to obtain
reasonable assurance that confidential treatment will be accorded the
Confidential Information.

          (i) The Receiving Party acknowledges and agrees that, given the nature
of the Confidential Information and the competitive or other damage that may
result to the Transmitting Party if information contained therein is disclosed
to any third party in breach of the obligations set forth in this Agreement,
money damages may not be a sufficient remedy for any breach of this Agreement by
the Receiving Party, and that, in addition to all other remedies, the
Transmitting Party may be entitled to specific performance and injunctive or
other equitable relief as deemed proper or necessary by a court of competent
jurisdiction as a remedy for any such breach, and the Receiving Party further
agrees to waive any requirement for the securing or posting of any bond in
connection with such remedy.

     11.2 JPMC CONFIDENTIAL INFORMATION SPECIFICALLY. Except as otherwise
expressly set forth on a Task Order, all JPMC Confidential Information shall be
specifically segmented from information of any third parties and separately
safeguarded in accordance with the term and conditions set forth in this
Agreement. Without limiting anything contained in this Agreement, without the
express prior written consent of JPMC, JPMC Confidential Information shall not
be, even upon the expiration of the time periods referred to in Section 11.1(g)
(General Confidentiality Obligations): (a) used by Supplier other than in
connection with providing the Services, (b) disclosed, sold, assigned, leased or
otherwise provided to third parties by Supplier, (c) commercially exploited by
or on behalf of Supplier, or (d) allowed by Supplier to be used or disclosed for
any of the foregoing purposes by third parties, including Subcontractors.
Supplier bears the full and complete risk and liability for all loss, theft or
destruction to any JPMC Confidential Information provided to Supplier or any
Subcontractor. As part of the Services, Supplier shall promptly correct, at
JPMC's request, any errors or inaccuracies in any JPMC Confidential Information
and the Reports, when such errors are caused by Supplier or any Subcontractor,
and at JPMC's request and expense, any other material errors or inaccuracies in
the JPMC Confidential Information. Upon request by JPMC at any time, Supplier
shall (y) at JPMC's expense, promptly return to JPMC, in the format and on the
media requested by JPMC, all JPMC Confidential Information, and (z) erase or
destroy all JPMC Confidential Information in Supplier's possession.

     11.3 UNAUTHORIZED ACTS. In the event of any unauthorized possession, use,
knowledge, disclosure, or attempt thereof with respect to any Confidential
Information, or loss of, or inability to account for such Confidential
Information, the Receiving Party shall:

          (a) Notify the Transmitting Party promptly;

                                       34

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (b) Promptly furnish to the Transmitting Party full details thereof,
and use reasonable efforts to assist the Transmitting Party in investigating or
preventing the recurrence thereof;

          (c) Use reasonable efforts to cooperate with the Transmitting Party in
any litigation and investigation against third parties deemed necessary by the
Transmitting Party to protect its proprietary rights; and

          (d) Promptly use all reasonable efforts to prevent a recurrence of the
unauthorized act or attempt.

JPMC and Supplier, shall each bear their own respective costs incurred as a
result of compliance with this Section 11.3 (Unauthorized Acts).

     11.4 PERSONAL INFORMATION. In the event of a conflict or inconsistency
between a provision of this Agreement applicable to Confidential Information, on
the one hand, and a provision of this Agreement applicable to Personal
Information, on the other hand, the latter will control to the extent of the
conflict or inconsistency. Personal Information includes copies of such
information or materials derived from such information. Notwithstanding anything
in this Agreement to the contrary:

          (a) Supplier will keep confidential and will not use or disclose to
any party (including Affiliates of Supplier), any Personal Information, except
as authorized in writing by JPMC or as appropriate in connection with performing
the Services in accordance with the terms and conditions set forth in this
Agreement. Supplier acknowledges that it has received and reviewed a copy of
JPMC's privacy policy applicable to Personal Information and it agrees that it
will not act in a manner that is inconsistent with such policy.

          (b) Supplier will maintain appropriate physical, electronic and
procedural safeguards to store, dispose of (if applicable) and secure Personal
Information to protect it from unauthorized access, use, disclosure, alteration,
loss and destruction. The safeguards used by Supplier to protect Personal
Information will be no less than those used by Supplier to protect its own
Confidential Information. In addition, Supplier will comply with any other
security safeguards and standards required by this Agreement.

          (c) Supplier will control access to Personal Information and, except
as required by law or as otherwise expressly permitted by this Agreement, permit
access only to individuals who need access in connection with the Services and
will cause such individuals to maintain the confidentiality of Personal
Information.

          (d) As between JPMC and Supplier, Personal Information, and all
applicable Intellectual Property rights embodied in the Personal Information,
shall remain the property of JPMC. Supplier will, upon the expiration or earlier
termination of this Agreement, or any applicable Task Order pursuant to which
the Personal Information was disclosed, or upon JPMC's earlier request, return
to JPMC all Personal Information or destroy it, as specified by JPMC. Supplier
will provide to JPMC a destruction certificate if so requested.

                                       35

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (e) Without limiting the generality of Section 12.1(e) of this
Agreement (compliance with all applicable laws), Supplier represents that it is
its intent to comply, and covenants that it shall comply, with all privacy and
data protection laws ("Privacy Laws") and all rules and regulations which apply
to Supplier in the performance of its obligations under this Agreement including
all Task Orders: (1) of all Applicable Countries and (2) which are or which in
the future may be applicable to Personal Information or the Services, including
the GrammLeach-Bliley Act (PL 106-102) (15 USC 6801 et seq.), the Fair Credit
Reporting Act (15 USC 1681 et seq.), implementing legislation for Directive
95/46/EC of the European Parliament and of the Council of 24 October 1995 (as
incorporated into domestic legislation of the member states of the European
Union including the Data Protection Act 1998 of the United Kingdom), and any
applicable secondary legislation, regulations, and orders. Each Party shall
co-operate with the relevant authorities in accordance with any applicable
timeframes identified by such authorities in identifying the respective roles
and obligations of each Party with respect to Personal Information. If a warrant
or similar document is issued by a court of competent jurisdiction in an
Applicable Country for the inspection, examination, operation or testing of any
Supplier technologies used or intended to be used for Personal Information,
Supplier shall promptly notify JPMC-designated recipients in writing. If
Supplier is required to disclose Personal Information: (A) in accordance with
the Privacy Laws of an Applicable Country or (B) as required by the order of a
court of competent jurisdiction of an Applicable Country, it shall promptly
notify JPMC in writing prior to disclosure. To the extent that in providing the
Services, Supplier has access to any 'personal data' (as defined in Directive
95/46/EC of the European Parliament and of the Council of 24 October 1995 on the
protection of individuals with regard to the processing of personal data and on
the free movement of such data (the "Directive"))("Personal Data") from a member
state of the European Union, then Supplier shall comply with the Addendum set
forth hereto as Master Agreement Exhibit H (European Union Privacy Addendum).

     For the purposes of the remainder of this Subsection 11.4(e) (Personal
Information), where the words and phrases used are not defined in this
Agreement, they shall have the meanings ascribed to them by the Directive. To
the extent that in providing the Services, Supplier in any country outside of
the European Economic Area comes into possession of or processes any Personal
Data that has previously been processed in any country within the European
Economic Area, then Supplier shall comply with the Addendum set forth hereto as
Master Agreement Exhibit H (European Union Privacy Addendum).

     If during the term of this Agreement either Party: (i) having an
establishment on the territory of a Member State of the European Union; or (ii)
having an establishment in a place where the national law of a Member State
applies by virtue of international public law; or (iii), for the purposes of
processing personal data, makes use of equipment, automated or otherwise,
situated on the territory of a Member State, comes into possession of or
processes personal data in respect of inter alia the other Party's clients,
employees or agents ("Data") then each Party agrees and undertakes that during
the term of this Agreement it will comply with the obligations imposed by the
Directive and the implementing legislation of any Member State, and in
particular each Party confirms that it has in place appropriate technical and
organizational measures sufficient to satisfy the requirements of the Directive
and the implementing legislation

                                       36

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

of any Member State and which shall include appropriate technical and
organizational measures so as to: (i) prevent the unauthorized or unlawful
processing of the Data, (ii) prevent the loss, falsification or destruction of,
or damage to the Data and (iii) ensure that adequate measures are imposed to
prevent the introduction of any viruses which may corrupt, delete or otherwise
affect the integrity of the Data.

     Supplier confirms that when it is processing Data it will act solely on the
reasonable instructions of JPMC. Supplier further confirms that, except as
otherwise provided for under the Agreement, it will not transfer the Data
outside of the European Economic Area without the express written agreement of
JPMC.

          (f) Supplier has: (i) established and will maintain appropriate
policies and procedures to comply with its obligations concerning Personal
Information under this Agreement, (ii) provided, and will provide, training on
such policies and procedures for employees with access to Personal Information
and (iii) established and will enforce appropriate disciplinary measures for
individuals who fail to comply with such policies and procedures.

          (g) To the extent permitted by law, Supplier will promptly notify JPMC
in writing if it becomes aware of: (i) any breach of its information security
procedures, (ii) any loss of Personal Information, (iii) any attempt to obtain
unauthorized access, disclosure or use of Personal Information or (iv) any
attempt to alter or destroy any Personal Information. Such notice will include
steps taken or planned to be taken by Supplier to remedy the situation.

          (h) Notwithstanding anything contained in this Agreement, JPMC has the
right to terminate one or more Task Orders (in whole or in part), immediately
without penalty for a failure of Supplier to comply with its obligations
concerning Personal Information set forth herein. Supplier acknowledges that the
unauthorized disclosure of Personal Information is likely to cause irreparable
injury to JPMC and that, in the event of a violation or threatened violation of
any of these obligations, JPMC shall have no adequate remedy at law and shall
therefore be entitled to enforce each such obligation by temporary or permanent
injunctive or mandatory relief obtained in any court of competent jurisdiction
without the necessity of proving damages or the adequacy of money damages,
posting any bond or other security or giving any undertaking, and without
prejudice to any other rights and remedies which may be available, at law or in
equity.

               (i) Supplier will not use Personal Information to contact any
     person except if required by any Applicable Law, provided that any such
     contact does not involve marketing or solicitation of products or services.

          (i) Specifically in relation to Personal Information processed
currently in certain countries (e.g., Switzerland and Luxembourg), both Parties
recognize that Applicable Laws may require that the provision of Services may
not be possible without: (i) obtaining the consent of customers or other
contacts of JPMC, (ii) the grant of a power of attorney to JPMC by the customer
or other contact of the relevant JPMC Affiliate or (iii) sending notice to
customers or other contacts of JPMC, or as needed execution of service
agreements between Supplier and the local JPMC entity in the local jurisdiction.
Where JPMC determines that this result is neither

                                       37

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

appropriate nor practical, JPMC may elect, subject to Section 16.2 (Termination
for Convenience) of this Agreement, to remove some or all of the Services to be
provided hereunder in such jurisdiction.

12.  REPRESENTATIONS AND WARRANTIES.

     12.1 REPRESENTATIONS AND WARRANTIES. Supplier represents and warrants that:

          (a) Supplier is a corporation, validly existing and in good standing
under the laws of the State of Delaware.

          (b) Supplier has all requisite corporate power and authority to
execute, deliver and perform its obligations under this Agreement.

          (c) Supplier is duly licensed, authorized or qualified to do business
and is in good standing in every jurisdiction in which a license, authorization
or qualification is required for the ownership or leasing of its assets or the
transaction of business of the character transacted by it except where the
failure to be so licensed, authorized or qualified would not have a material
adverse effect on Supplier's ability to fulfill its obligations under this
Agreement.

          (d) The execution, delivery and performance of this Agreement by
Supplier has been duly authorized by all necessary corporate action of Supplier.

          (e) Supplier shall comply with all Applicable Laws, including
identifying and procuring required permits, certificates, approvals and
inspections and all privacy and data protection laws and all rules and
regulations: (i) of all Applicable Countries or (ii) which are or which may in
the future be applicable to Personal Information or the Services, including the
Gramm-Leach-Bliley Act (P.L. 106-102) (15 U.S.C. Section 6801 et seq.), the Fair
Credit Reporting Act (15 U.S.C. Section 1681 et seq.), Directive 95/46/EC of the
European Parliament and of the Council of 24 October 1995 (as incorporated into
domestic legislation of the EU countries including the U.K. Data Protection Act
of 1998), and any applicable secondary legislation, regulations, and orders. If
a warrant or similar document is issued by a court of competent jurisdiction in
an Applicable Country for the inspection, examination, operation or testing of
any Supplier Intellectual Property or Work Product used or intended to be used
for Personal Information, Supplier shall promptly notify JPMC-designated
recipients in writing, if so permitted by law. If Supplier is required to
disclose Personal Information (1) in accordance with the privacy and data
protection laws of an Applicable Country or (2) as required by the order of a
court of competent jurisdiction of an Applicable Country, it shall promptly
notify JPMC in writing, if so permitted by law.

          (f) Supplier's and the Subcontractors' performance of this Agreement
will not constitute: (i) a violation of any judgment, order, or decree, (ii) a
default under any material contract by which it or they are bound or (iii) an
event that would, with notice and/or lapse of time, constitute such a default.

                                       38

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (g) Supplier will not perform, or permit any Subcontractor to perform,
its responsibilities under this Agreement with actual knowledge on the part of
Supplier (or such Subcontractor, to the extent Supplier is aware of such
Subcontractor's knowledge), that the manner in which such responsibilities are
performed would cause JPMC to be in violation of any Applicable Law.

          (h) Supplier has not disclosed any JPMC Confidential Information.

          (i) Supplier and each Subcontractor shall perform its obligations
under this Agreement in a manner that does not infringe, or constitute an
infringement or misappropriation of, any Third Party Intellectual Property
Rights, and all Services, Work Product (as of the date of delivery of the Work
Product to JPMC), Supplier Tools, Supplier Software, and Supplier Machines shall
not infringe or misappropriate any Third Party Intellectual Property Rights.

          (j) Prior to use to provide the Services, Supplier shall verify that
all Supplier Software and Supplier Machines: (i) have been properly installed,
(ii) are operating in accordance with all specifications therefor, (iii) are
suitable and capable to use adequately in connection with the Services, (iv)
shall operate in accordance with the Service Levels set forth in the applicable
Task Order and (v) are performing in a reliable manner.

          (k) Supplier shall perform the Services in accordance with: (i) the
Service Levels and (ii) any relevant third party vendor's, license,
documentation and recommendations; provided, for any third party material
provided by JPMC, JPMC provides the necessary license, documentation and
recommendations. All Work Product shall operate in the Operating Environment in
accordance with all applicable Specifications and Documentation.

          (l) No Destructive Elements will be coded or introduced into any Work
Product, JPMC Software, Operating Environment, Supplier Software, Supplier
Machines, or other software or systems used to provide the Services. Supplier
agrees that, if any Destructive Elements are found to have been introduced into
any Work Product, JPMC Software, Operating Environment, Supplier Software,
Supplier Machines, or other software or systems used to provide the Services,
and without limitation of all other rights and remedies of JPMC, including under
this Agreement, at law and/or in equity, Supplier shall use its best commercial
efforts, at no additional charge, to assist JPMC in eliminating or reducing the
effects of the Destructive Elements and, if the Destructive Elements cause an
Error in the Applications, a loss of operational efficiency or loss of data, to
assist JPMC to the same extent to mitigate and restore such losses. Supplier
shall be responsible for any losses, damage or liabilities attributable to any
such Destructive Elements that have not been eliminated or reduced.

          (m) All Supplier Software shall be commercially available at the time
Supplier or such Subcontractor chooses to utilize such Supplier Software, unless
Supplier (on its own behalf or on behalf of a Subcontractor) first obtains
JPMC's express prior written consent thereto and Supplier shall maintain, for
the duration of this Agreement, valid licenses for all such Supplier Software.

                                       39

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (n) All reports and tax returns (including employment and withholding
taxes) of Supplier and each Subcontractor required, as a result of this
Agreement, to be filed under Federal, state, local and foreign laws, shall be
filed on a timely basis, and Supplier, and each Subcontractor, unless contesting
such in good faith, shall promptly pay all governmental taxes, assessments, fees
and other charges lawfully levied upon or assessed against it.

          (o) Supplier has not violated any Applicable Law regarding the
offering of unlawful inducements in connection with this Agreement, or JPMC
policy to avoid even the appearance of impropriety. If at any time during the
Agreement Term JPMC determines that the foregoing warranty has been violated,
then, in addition to any other rights JPMC may have under this Agreement, at law
or in equity, JPMC shall have the additional right to terminate one or more Task
Orders, without penalty and without affording Supplier an opportunity to cure.

          (p) Supplier shall use reasonable best efforts to take precautions
necessary to ensure that all Supplier Service Locations and Supplier Machines
shall be safeguarded against "hacker" attempts.

          (q) Supplier shall provide such other representations and warranties
that are set forth in any Task Order.

          (r) Unless otherwise set forth on an applicable Task Order, the
Services and all Work Product: (i) are and will be capable of supporting the
"Euro" as a main or additional currency, including, for the avoidance of doubt:
(x) the ability to convert into Euro from other currencies and from other
currencies into Euro; (y) the ability where necessary to interface with systems,
including systems for making and receiving payments, denominated in Euros; and
(z) the ability to deal with additional currencies which, as of the Effective
Date, do not form part of the European Monetary Union ("EMU"), but which
subsequently join the EMU ("Additional EMU Currencies") thereby necessitating
conversion of those Additional EMU Currencies into Euro in accordance with the
requirements of relevant European Union or applicable legislation; (ii) are not
and will not be adversely affected or manifest any errors by virtue of any
requirement to convert currencies or units of currency as a result of the EMU
(including as a result of Additional EMU Currencies joining the EMU) or any
other variation in currency, conversion of currency or alteration of pricing
structures and (iii) will comply with all applicable legislation and legislative
changes, including those in connection with or pertaining to the EMU and the
currencies which form part of it, which shall also include legislation relating
to Additional EMU Currencies joining the EMU, all without additional expense to
JPMC and without causing any disruption to the Services.

     12.2 DISCLAIMER. EXCEPT AS SPECIFIED IN THIS AGREEMENT, NEITHER JPMC NOR
VENDOR MAKES ANY OTHER WARRANTIES WITH RESPECT TO THE SERVICES OR THE SYSTEMS
AND EACH EXPLICITLY DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED,
INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A SPECIFIC
PURPOSE.

                                       40
<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

13.  INDEMNITIES.

     13.1 INDEMNITY BY JPMC. Subject to the limitations contained in Section
14.2 (Limitations on Liability), JPMC agrees to indemnify and hold harmless
Supplier, and its directors, officers, employees, agents and assigns, as
applicable, in accordance with the procedures described in Section 13.3
(Indemnification Procedures) hereof against any and all liability or expenses
(including attorneys' fees and expenses) arising out of, or relating to, any
Claim resulting directly and proximately from, or in connection with:

          (a) The death or bodily injury of any agent, employee, customer,
contractor, business invitee or business visitor of Supplier to the extent
caused or contributed to by JPMC's negligence or willful misconduct as
adjudicated by a competent court of law.

          (b) The damage, loss or destruction of any real or tangible personal
property owned or leased by Supplier to the extent caused or contributed to by
the negligence or willful misconduct of JPMC as adjudicated by a competent court
of law.

          (c) A breach of JPMC's obligations to get all necessary JPMC Consents.

     13.2 INDEMNITY BY SUPPLIER. Supplier shall indemnify, hold harmless, and
defend JPMorgan Chase Bank and its Affiliates, and their respective directors,
officers, employees, retirees, agents, and assigns, as applicable, from any
liability, damages, losses, judgments, amounts agreed upon in settlement, costs
and expenses (including attorneys' fees and expenses) arising out of, connected
with or resulting from, any Claim relating to:

          (a) Any duties or obligations of Supplier, its Affiliates or any
Subcontractor, or any Supplier Personnel in respect of a third party or any
Subcontractor of any tier (i.e., direct Subcontractors, their subcontractors,
and so on), including Claims based on employer status or on Supplier's payment
obligations to the Subcontractors.

          (b) Failure of the facilities and the physical and data security
controls at Supplier Service Locations to conform to JPMC standards and
specifications provided to Supplier in writing hereunder.

          (c) Death or personal injury of any agent, employee, customer,
contractor, business invitee or business visitor of JPMC, or any property damage
to any real or personal property owned or leased by JPMC, to the extent caused
or contributed to by the negligence or willful misconduct of Supplier, its
Affiliates, any Supplier Personnel, or any Subcontractor.

          (d) Damage, loss or destruction of any real or personal property owned
or leased by JPMC while in Supplier's control to the extent caused or
contributed to by Supplier, its Affiliates, any Supplier Personnel, or any
Subcontractor.

          (e) A breach, or alleged breach, of Supplier's or the Subcontractors'
obligations set forth in Article 11 (Confidentiality; Compliance with Privacy
Policies) and Section 12.1 (Representations and Warranties) hereof.

                                       41

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (f) Any acts or damage caused by any Subcontractor or other third
party service provider retained by Supplier to provide the Services, regardless
of whether JPMC has authorized the use of such third party service provider by
Supplier, to the same extent Supplier would be liable if Supplier performed such
acts or damages.

          (g) Supplier's failure to pay any Subcontractors for the services
provided in connection with the Services.

          (h) Any taxes or other similar charges, including interest and
penalties, assessed against JPMC which are obligations of Supplier hereunder.

               (i) All or any part of the Work Product, the Supplier Tools (to
     the extent incorporated into any Deliverables), or the Documentation
     infringe on, violate or misappropriate any copyright, patent, trademark,
     trade secret or other proprietary right of any entity or person; provided
     that Supplier shall have no obligation under this Subsection 13.2(i)
     (Indemnity by Supplier) or other liability for any infringement or
     misappropriation claim resulting or alleged to result from: (1) use of the
     Work Product or the Supplier Tools (to the extent incorporated into any
     Deliverables) or any part thereof in combination with any equipment,
     software or data not approved for use by Supplier in writing (such writing
     shall include Documentation and comments to the source code), or if the
     Work Product has been modified or altered by any person or entity other
     than Supplier without the written approval of Supplier (such writing shall
     include Documentation and comments to the source code); (2) any aspect of
     JPMC software, documentation or data which existed prior to Supplier's
     performance of Services; or (3) JPMC continuing the allegedly infringing
     activity after being notified thereof and provided with modifications that
     would have avoided the alleged infringement. This Subsection 13.2(i)
     (Indemnity by Supplier) sets forth the exclusive remedy and entire
     liability and obligation of Supplier with respect to intellectual property
     infringement or misappropriation claims, including patent or copyright
     infringement claims and trade secret misappropriation.

Supplier shall indemnify JPMC from any costs and expenses incurred in connection
with the enforcement of this Section 13.2 (Indemnity by Supplier).

     13.3 INDEMNIFICATION PROCEDURES.

          (a) If any Claim is commenced against any Party entitled to
indemnification under this Article 13 ("Indemnified Party"), written notice
thereof shall be given to the Party that is obligated to provide indemnification
("Indemnifying Party") promptly upon receipt of the Claim by the Indemnified
Party. Failure to give such notification shall not affect the indemnification
provided hereunder except to the extent that the Indemnifying Party has actually
been materially and adversely affected as a result of such failure (except that
the Indemnifying Party shall not be liable for any expenses incurred during the
period in which the Indemnified Party failed to give notice if such Indemnified
Party failed to give prompt notice). To the extent received, the Indemnified
Party shall deliver copies of all notices and documents related to the

                                       42

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

Claim, including court papers, to the Indemnifying Party within five (5)
business days of the Indemnified Party's receipt thereof.

          (b) After such notice, if the Indemnifying Party shall acknowledge in
writing to such Indemnified Party that this Agreement applies with respect to
such Claim, then the Indemnifying Party shall be entitled, if it so elects, in a
notice delivered to the Indemnified Party not less than fifteen (15) days prior
to the date on which a response to such Claim is due, to immediately take
control of the defense and investigation of such Claim and to select and engage
attorneys reasonably satisfactory to the Indemnified Party to handle and defend
the same, at the Indemnifying Party's sole cost and expense.

          (c) The Indemnified Party shall cooperate in all reasonable respects
with the Indemnifying Party and its attorneys in the investigation, trial and
defense of such Claim and any appeal arising therefrom; provided, however, that
the Indemnified Party may, at its own cost and expense, participate, through the
Indemnified Party's own attorneys or otherwise, in such investigation, trial and
defense of such Claim; and any appeal arising therefrom. The Indemnifying Party
will bear the costs of counsel engaged by the Indemnified Party by reimbursing
the Indemnified Party, as such costs are incurred and upon request therefor, if:
(i) the use of counsel chosen by the Indemnifying Party to represent the
Indemnified Party would present such counsel with a conflict of interest that
would preclude such counsel from representing the Indemnified Party or (ii) the
Indemnifying Party has failed to engage counsel reasonably satisfactory to the
Indemnified Party within thirty (30) days after the Indemnifying Party has
received notice of a Claim.

          (d) If the Indemnifying Party does not assume full control over the
defense of a Claim subject to such defense as provided in this Section 13.3
(Indemnification Procedures), the Indemnifying Party may participate in such
defense, at its sole cost and expense, and the Indemnified Party shall have the
right to defend the Claim in such manner as it may deem appropriate, at the cost
and expense of the Indemnifying Party, and the Indemnifying Party will bear the
costs incurred by the Indemnified Party in connection therewith by reimbursing
the Indemnified Party, as such costs are incurred and upon request therefor.

          (e) Supplier shall not settle any claim, action or proceeding in
respect of which indemnity may be sought hereunder, whether or not JPMC is an
actual or potential party to such claim, action or proceeding without JPMC's
written consent, which consent shall not be unreasonably withheld, delayed, or
conditioned. Notwithstanding the foregoing, JPMC may withhold, delay and/or
condition its consent to any settlement of a Claim, in JPMC's sole and absolute
discretion, if:

               (i) such settlement: (A) involves a remedy other than the payment
     of money by the Indemnifying Party, (B) affect any rights of JPMC,
     including any rights with respect to the Work Product, (C) impose any
     actual liability upon JPMC, or (D) contain or imply (1) a factual admission
     by or with respect to JPMC, (2) any adverse statement or implication with
     respect to the character, professionalism, due care, loyalty, expertise, or
     reputation of JPMC, or (3) any wrongful action or inaction by JPMC; or

                                       43

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

               (ii) Supplier and all plaintiffs or claimants do not
     affirmatively and unconditionally absolve and release JPMC from any
     responsibility or liability with respect thereto and the subject matter
     thereof and any responsibility or liability with respect to the same,
     similar, or related facts or circumstances.

          (f) If JPMC is enjoined, or is otherwise prohibited, from using any
Work Product, Supplier Tools (to the extent such tools are incorporated into any
Deliverable), or Documentation (or any part thereof) as a result of or in
connection with any Claim under Subsection 13.2(i) (Indemnity by Supplier),
Supplier promptly shall, at its sole expense and in the following order of
precedence: (i) procure for JPMC the right to continue to use the Work Product,
Supplier Tools or Documentation; (ii) modify the Work Product, Supplier Tools or
Documentation so that it becomes noninfringing and nonviolative, without
diminishing the functionality or performance of the Work Product, Supplier Tools
or Application or (iii) replace the Work Product, Supplier Tools or
Documentation with software and documentation that are noninfringing and
nonviolative with equivalent functionality and performance. If Supplier cannot,
after using its best commercial efforts to do so within a reasonable period of
time, so procure, modify or replace the Work Product or Supplier Tools, the
Supplier shall terminate the applicable Task Order with respect to the Services
and Work Product involved and promptly refund to JPMC the Fee for the Services
and Work Product involved under such Task Order.

14.  DAMAGES.

     14.1 DIRECT DAMAGES. Supplier shall reimburse JPMC for any direct damages
arising out of or relating to Supplier's performance under this Agreement.
Without limitation, the following shall be considered direct damages and
Supplier shall not assert that they are indirect, incidental, special or
consequential damages or lost profits to the extent they result from Supplier's
failure to provide all or any part of the Services in accordance with this
Agreement:

          (a) costs of recreating or reloading any of JPMC's information that is
lost or damaged;

          (b) costs of implementing a work around;

          (c) costs of replacing lost or damaged equipment, software and
materials;

          (d) costs and expenses incurred by JPMC to correct errors in software
maintenance and enhancements provided as part of the Services;

          (e) costs and expenses incurred by JPMC to procure any Services from
an alternate source, to the extent in excess of Supplier's charges under this
Agreement after Supplier has been given an opportunity to cure and mitigate its
damages;

          (f) straight time, overtime or related expenses incurred by JPMC,
including overhead allocations, wages and salaries of additional employees,
travel expenses, overtime expenses, telecommunications charges and similar
charges incurred in connection with Subsections 14.1(a) through (e) above; and

                                       44

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (g) payments or penalties imposed by a regulatory authority for
failure to comply with any Applicable Law.

     14.2 LIMITATIONS ON LIABILITY.

          (a) EXCEPT AS PROVIDED IN SECTION 14.2(d) (EXCLUSIONS) BELOW, VENDOR'S
AGGREGATE LIABILITY TO JPMC FOR ALL CAUSES OF ACTION OR CLAIMS, INCLUDING BREACH
OF WARRANTY, BREACH OF CONTRACT, NEGLIGENCE (INCLUDING NEGLIGENT
MISREPRESENTATION), AND OTHER TORTS ARISING OUT OF OR RELATING TO A PARTICULAR
TASK ORDER UNDER THIS AGREEMENT IN ANY ONE TASK ORDER YEAR SHALL NOT EXCEED THE
GREATER OF: (i) [***********] THE AGGREGATE SUM PAID TO VENDOR DURING THE
IMMEDIATELY PRECEDING [***********] PERIOD FOR THE TASK ORDER UNDER WHICH SUCH
CLAIM AROSE PROVIDED, HOWEVER THAT IF THE EVENT THAT IS THE SUBJECT OF THE CLAIM
OCCURS DURING THE FIRST [******** ] MONTHS AFTER THE TASK ORDER EFFECTIVE DATE,
LIABILITY SHALL NOT EXCEED [********] AN AMOUNT EQUAL TO (Y) THE AVERAGE OF THE
TOTAL CHARGES PAID TO VENDOR FOR THE MONTHS OF THE TASK ORDER TERM THAT HAVE
PASSED, MULTIPLIED BY (Z) [********] AND (ii) [***************] [**********]
PROVIDED THAT SUBJECT TO SECTION 14.2(d) (EXCLUSIONS) BELOW, IN NO EVENT SHALL
VENDOR'S AGGREGATE LIABILITY TO JPMC FOR ALL CAUSES OF ACTION OR CLAIMS,
INCLUDING BREACH OF WARRANTY, BREACH OF CONTRACT, NEGLIGENCE (INCLUDING
NEGLIGENT MISREPRESENTATION), AND OTHER TORTS ARISING OUT OF OR RELATING TO
ARISING UNDER THE AGREEMENT (INCLUDING ALL TASK ORDERS) DURING THE AGREEMENT
TERM EXCEED [*******************************].

          (b) EXCEPT AS PROVIDED IN SECTION 14.2(d) (EXCLUSIONS) BELOW, JPMC'S
AGGREGATE LIABILITY TO VENDOR FOR ALL CAUSES OF ACTION OR CLAIMS, INCLUDING
BREACH OF WARRANTY, BREACH OF CONTRACT, GROSS NEGLIGENCE, AND OTHER TORTS
ARISING OUT OF OR RELATING TO THIS AGREEMENT, SHALL NOT EXCEED THE AMOUNT PAID
AND OWED TO VENDOR UNDER THE PARTICULAR TASK ORDER FROM WHICH SUCH CLAIMS AROSE.

          (c) SUBJECT TO SECTION 14.1 (DIRECT DAMAGES), AND EXCEPT AS PROVIDED
IN SECTION 14.2(d) (EXCLUSIONS) BELOW, NEITHER PARTY SHALL HAVE ANY LIABILITY,
WHETHER BASED ON CONTRACT OR TORT (INCLUDING NEGLIGENCE) FOR ANY PUNITIVE,
EXEMPLARY, CONSEQUENTIAL, SPECIAL, INDIRECT OR INCIDENTAL LOSS OR DAMAGE
SUFFERED BY THE OTHER PARTY, INCLUDING LOSS OF DATA, PROFITS (EXCLUDING PROFITS
UNDER THIS AGREEMENT), INTEREST OR REVENUE, OR USE OR INTERRUPTION OF BUSINESS,
ARISING FROM OR RELATED TO THIS AGREEMENT, EVEN IF SUCH PARTY IS ADVISED OF THE
POSSIBILITY OF SUCH LOSSES OR DAMAGES.

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (d) Exclusions. The limitations or exculpation's of liability set
forth in Section 14.2(a), Section 14.2(b), and Section 14.2(c) are not
applicable to (i) the failure of JPMC to make undisputed payments due under this
Agreement, (ii) indemnification Claims as set forth in Sections 13.1(a) and (c),
and Section 13.2, (iii) Supplier's breach of any provision contained in Section
12.1 (Representations and Warranties) or Section 18 (Security; Information
Technology Control Policies), (iv) breaches of Article 11 (Confidentiality;
Compliance with Privacy Policies) (including Agreement Exhibit H), (v)
Supplier's fraud and other willful misconduct, (vi) Supplier's Abandonment (as
such term is defined herein) of its obligations under this Agreement, and (vii)
reimbursements of damages pursuant to Section 14.1 (Direct Damages).
"Abandonment", as such term is used herein, shall mean (1) Supplier's refusal or
intentional cessation of performing any material obligation under this
Agreement, or (2) Supplier's purported termination of this Agreement without
providing the notices required hereunder.

15.  INSURANCE AND RISK OF LOSS.

     15.1 INSURANCE. Throughout the Agreement Term, Supplier shall maintain at
its own expense, and require its Subcontractors to maintain at their own expense
or Supplier's expense, insurance of the type and in the amounts set forth below
in a policy or policies of insurance, primary and excess, including, where
appropriate, umbrella or catastrophic form:

          (a) Disability and Workers Compensation Insurance with coverage
applicable in all states in which Services are to be performed under any Task
Order, with Workers' Compensation limits in accordance with the statutory
requirements of each such state, and Coverage B - Employer's Liability Coverage,
including occupational disease, with a limit of not less than $1,000,000 per
occurrence, including coverage for bodily injury by accident or disease,
including death.

          (b) Commercial General Liability Insurance covering Supplier's
operations, with limits acceptable to JPMC with combined single limits for
bodily injury, personal injury, and property damage of not less than $3,000,000,
including coverage as follows: (i) Comprehensive Form; (ii) Broad Form
Contractual Liability; (iii) Independent Contractors Liability; (iv) Broad Form
Property Damage; and (v) Personal Injury and Advertising Liability.

          (c) Commercial Crime Insurance in the amount of [*********] including
coverage for (i) theft or loss of JPMC property and JPMC customer and employee
property, and (ii) electronic and computer crime or unauthorized computer access
coverage.

          (d) Errors and Omissions or similar Professional Liability Insurance
in the amount of $10,000,000 covering losses arising from (i) errors and
omissions caused by Supplier's negligence in the performance of its duties under
this Agreement, (ii) the negligent performance of any software provided or
developed by Supplier, and (iii) the negligent design, development, maintenance,
operation, and anything incidental thereto, of an Internet web site.

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (e) With regard to Supplier's Locations, only, Building and/or
Personal Property Insurance including coverage for the cost to research,
replace, or restore lost information including those that exist on electronic or
magnetic media, against all risks of physical loss or damage including theft, on
a replacement cost basis.

     15.2 CERTIFICATES. A certificate of insurance, or a brokers representation
letter, corresponding to each such policy shall be delivered by Supplier to JPMC
on or before the date upon which Supplier first commences providing any Services
under this Agreement. Each such certificate of insurance shall contain an
agreement by the issuing insurance company that such insurance will not be
canceled or terminated without thirty (30) days prior written notice to the
insured.

     15.3 POLICIES. Insurance provided under this Agreement must be placed with
carriers with A.M. Best's rating of A - VIII or superior. All policies shall be
endorsed to show that they are primary to any policy maintained by JPMC. No
policy of insurance required of Supplier hereunder shall exclude coverage for,
or protection from, Destructive Elements.

          (a) Supplier shall add JPMorgan Chase Bank and any and all JPMC
Affiliates as their interests may appear as additional insureds to the policy
required under Section 15.1(b) (Insurance), but only in respect to the work
being performed pursuant to this Agreement, which shall expressly include all
Task Orders. All such policies also shall be endorsed with the provisions that
the coverage afforded for JPMC shall be primary and shall not require
contribution by any other similar insurance available to JPMC.

          (b) Should Supplier fail to provide continuous insurance coverage as
set forth herein, JPMC may charge back against Supplier invoices for the cost of
obtaining similar protection as well as any claim that would have been paid had
the above-described insurance coverage been obtained.

          (c) The insurance required in this Article 15 (Insurance and Risk of
Loss), and approval of Supplier's insurance by JPMC, shall not affect Supplier's
obligations, or JPMC's rights and remedies under this Agreement, at law or in
equity.

     15.4 RISK OF LOSS. Each Party shall be responsible for risk of loss of, and
damage to, any equipment, software or other materials in its possession or under
its control.

16.  TERM; TERMINATION.

     16.1 TERM. The term of this Agreement (the "Initial Agreement Term" shall
commence on the Agreement Effective Date and expire on the tenth (10th)
anniversary of the Agreement Effective Date, unless terminated earlier in
accordance with the terms hereof. Upon expiration of the Initial Agreement Term,
the Parties may mutually determine to renew this agreement for an additional
period to be mutually determined (the "Renewal Agreement Term", together with
the "Initial Agreement Term", the "Agreement Term"). Upon expiration or
termination of the Agreement Term, the Parties shall not execute any new Task
Orders; however,

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

this Agreement shall remain in full force and effect for each then outstanding
Task Order to the extent its Task Order Term extends beyond the Agreement Term
until the expiration of such Task Order Term, including all extensions and
renewals thereof, and any End of Term Assistance Periods.

     16.2 TERMINATION FOR CONVENIENCE. JPMC may terminate this Master Agreement
together with the Agreement Collateral Documents, or one or more Task Orders
without penalty, at any time by giving Supplier notice of the termination during
the first year of the Agreement Term or the Task Order Term, as the case may be,
at least ninety (90) days prior to the termination date specified in the notice;
during the second year of the Agreement Term or the Task Order Term, as the case
may be, at least sixty (60) days prior to the termination date specified in the
notice; and during the remaining years of the Agreement Term or the Task Order
Term, as the case may be, including any renewals or extensions thereof, thirty
(30) days prior to the termination date specified in the notice. For purposes of
clarification, notwithstanding the notice period required for termination of the
Master Agreement under this Section 16.2 (Termination for Convenience), the
notice period applicable to each Task Order for termination under this Section
16.2 (Termination for Convenience) shall be determined by the date each Task
Order was entered into by the parties, and each Task Order shall continue under
the terms of this Agreement until its applicable termination date as though the
Master Agreement were in full force and effect with regard to such Task Order.
Notwithstanding anything to the contrary set forth above, unless set forth
otherwise in a Task Order, JPMC may terminate any Task Order for development
Services, without penalty, at any time by giving Supplier notice of the
termination at any time during the Task Order Term, at least thirty (30) days
prior to the termination date specified in the notice.

     16.3 TERMINATION FOR CAUSE. Except as otherwise provided in Section 16.6
(Other Terminations) below, if either Party fails to perform any of its material
obligations under this Agreement and does not cure such failure within thirty
(30) days after being given notice specifying the nature of the failure, then
the non-defaulting Party may, by giving notice to the defaulting Party,
terminate the Task Order(s) affected by such breach, as of the date specified in
such notice of termination. Without limiting any provision of this Section 16.3
(Termination for Cause), repeated breaches by a Party of its duties or
obligations under a particular Task Order, or Supplier's failure to achieve the
Service Levels under a particular Task Order shall each be deemed a material
breach of this Agreement.

     16.4 TERMINATION FOR INSOLVENCY; CHANGE OF CONTROL. If either Party: (a)
files for bankruptcy, (b) becomes or is declared insolvent, or is the subject of
any proceedings related to its liquidation, insolvency or the appointment of a
receiver or similar officer for it, (c) makes an assignment for the benefit of
all or substantially all of its creditors or (d) enters into an agreement for
the composition, extension, or readjustment of substantially all of its
obligations, then the other Party may, by giving written notice of termination
to such Party, terminate this Agreement as of the date specified in such notice
of termination. In addition, JPMC may, by giving written notice of termination
to Supplier, terminate this Agreement as of the date specified in such notice of
termination in the event of a transfer Change of Control of Supplier.

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

     16.5 DISCONTINUANCE OF SERVICES. Upon receipt of any termination notice,
Supplier shall discontinue the Services on the date specified in the notice.
Supplier shall be paid for the actual costs incurred during performance
hereunder, up to the termination date specified in said notice, any costs not
previously reimbursed by JPMC to the extent such costs are actual, necessary,
reasonable, and verifiable costs which have been incurred by Supplier and which
are otherwise reimbursable hereunder. In no event shall such costs include
unabsorbed overhead or anticipated profit.

     16.6 OTHER TERMINATIONS. In addition to the termination rights contained in
this Article 16 (Term; Termination), there are additional termination rights
provided in Section 5.2 (Key Personnel), Section 7.1 (Work Product), Section
11.4 (Personal Information), Section 12.1 (Representations and Warranties),
Section 13.3 (Indemnification Procedures), Section 18.3 (Compliance with JPMC
Information/Technology Control Policies), Section 18.9 (Disaster Recovery Plan),
and Section 19.13 (Force Majeure) of this Master Agreement, and any Task Order
may be terminated as provided in such Task Order. The notice period required for
such termination, if any, shall be as specified in the applicable section, if
any.

17.  END OF TERM ASSISTANCE.

     17.1 END OF TERM ASSISTANCE SERVICES. As a part of the Services, and at
JPMC's written request, Supplier will provide JPMC with End of Term Assistance
Services during the End of Term Assistance Period. The quality and level of the
Services shall not be degraded during the End of Term Assistance Period. After
the expiration of the End of Term Assistance Period, Supplier shall deliver to
JPMC, as applicable, any remaining JPMC Confidential Information still in
Supplier's possession in connection with the applicable Task Order. Supplier
should confirm its willingness to provide JPMC with information related to the
Services and Work Product that JPMC reasonably requests during the Term to
enable JPMC to draft a request for proposal(s), and to provide due diligence
information for recipients of such RFP, relating to a portion or all the
Services. Supplier may or may not be a recipient of such RFP. Supplier should
identify in detail any type of information that it would be unwilling to provide
to JPMC under such circumstances.

     17.2 JPMC'S THIRD PARTY DESIGNEES. If and to the extent that any third
parties are designated by JPMC to assume responsibility for the Services, or any
part of the Services, Supplier shall provide (or cause the Subcontractor(s) to
provide) End of Term Assistance Services to JPMC's designees. Supplier shall
provide such designees with such information regarding the Services as is
reasonably prudent or necessary in order for JPMC's designees to assume
responsibility for, and continue the performance of, the Services in an orderly
manner.

     17.3 END OF TERM ASSISTANCE SERVICES FEES. JPMC shall pay to Supplier, Fees
for End of Term Assistance Services pursuant to the applicable Task Order, or if
none is listed in an applicable Task Order, then at Supplier's then current
standard time and materials fees for such Services. To the extent possible,
Supplier shall minimize any Fees for End of Term Assistance Services by
utilizing resources included in the Fees already paid by JPMC to Supplier, or
being

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

paid by JPMC to Supplier after such expiration or termination, to provide the
End of Term Assistance Services.

18.  SECURITY; INFORMATION TECHNOLOGY CONTROL POLICIES.

     18.1 SAFETY AND SECURITY PROCEDURES. Supplier shall comply with all safety
and security procedures of JPMC set forth herein and in any Task Order. As part
of the Services, Supplier shall maintain and enforce safety and security
procedures at Supplier Service Locations with regard to the Services that are at
least as rigorous as those procedures maintained by JPMC as of the Effective
Date, including the following:

          (a) Supplier shall maintain and enforce safety and security procedures
for Supplier Service Locations including where any Application maintenance or
development, JPMC operating system environments and telecommunications
infrastructures are located, which procedures shall be (i) designed to protect
the JPMC Confidential Information from unauthorized access, including taking
reasonable steps to avoid the corruption, loss or mistransmission of data and to
ensure the security of data during transmission, including the use of reasonable
and customary data encryption techniques, (ii) at least as stringent as the most
rigorous standard for any Supplier facility used to provide any similar services
and (iii) in compliance with applicable regulatory requirements, if any.
Supplier shall provide documentation of Supplier's and the Subcontractors'
security policies and practices and shall detail such policies and practices for
the Services on each Task Order.

          (b) Supplier shall inform JPMC of any breaches in security, or
potential breaches in security, of which Supplier becomes aware, including any
corruption, loss or mistransmission of data, or any breach of data security
during transmission. Supplier shall take reasonable steps to remedy any such
breach, or potential breach, including Supplier cooperating fully, and causing
the Subcontractors to cooperate fully, with JPMC, and their respective
designees, and with any civil or criminal authority in any investigation or
action relating to such breach, or potential breach.

     18.2 COMPLIANCE WITH SECURITY REGULATIONS. All Supplier Personnel will
comply with all reasonable security regulations particular to any JPMC location
to which Supplier Personnel require access pursuant to their performance under
this Agreement. Supplier Personnel shall observe the working hours, working
rules and holiday schedules of JPMC while working on JPMC premises.

     18.3 COMPLIANCE WITH JPMC INFORMATION/TECHNOLOGY CONTROL POLICIES.
Throughout the Agreement Term, Supplie shall comply with all JPMC
Information/Technology Control Policies and all other standard policies and
procedures of JPMC, then in effect that are applicable to Supplier's obligations
under this Agreement and of which Supplier is informed in writing. A description
of how Supplier shall comply with such policies will be attached to each Task
Order as an exhibit, as such exhibit may be amended from time to time with
JPMC's prior written consent, the granting of which shall be in JPMC's sole and
absolute discretion. If, as a result of an on-site review or audit performed in
accordance with Section 18.5 (Reports & On-

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

Site Review) below or otherwise, JPMC determines that Supplier is not complying
with all JPMC Information/Technology Control Policies as required by this
Section 18.3 (Compliance with JPMC Information/Technology Control Policies),
Supplier shall, at Supplier's expense, take steps specified by JPMC to correct
such non-compliance within a time period to be determined by JPMC.
Notwithstanding any contrary provision contained herein, and without limiting
JPMC's rights and remedies hereunder at law and in equity, if Supplier fails to
take such steps in a timely manner, JPMC shall be permitted to: (a) terminate
one or more Task Orders, on ten (10) days notice to Supplier and (b) charge to
Supplier, JPMC's reasonable expenses incurred in establishing an alternative
arrangement for the performance of Supplier's obligations hereunder. JPMC has
delivered to Supplier, and Supplier hereby acknowledges receipt of, JPMC's
Worldwide Rules of Conduct and JPMC's Information Technology Control Policies.

     18.4 ACCESS BY REGULATORY AUTHORITIES. Supplier agrees that any regulatory
agency with supervisory responsibility for JPMC, shall have the right to examine
all records and materials, use the equipment (including all Supplier Software
and Supplier Machines), and interview those members of Supplier Personnel, to
the extent that such officials deem necessary to protect the interest of
depositors, creditors or stockholders of JPMC, or as otherwise permitted under
any Applicable Law.

     18.5 REPORTS & ON-SITE REVIEW.

          (a) On or before the Agreement Effective Date and annually within one
(1) month of each anniversary of the Agreement Effective Date occurring
thereafter during the Agreement Term, Supplier shall deliver to JPMC a current
report by an independent third party audit firm (to be prepared in English and
at Supplier's expense) that describes Supplier control policies and procedures
that have been initiated and are then functioning at all Supplier Service
Locations. These reports must contain statements on the operating effectiveness
of those policies and procedures for JPMC transactions. The requirements of this
Section 18.5 (Reports & On-Site Review) may be satisfied by a Type II SAS 70
Report, as described in the then current Statement of Auditing Standard 70 of
the American Institute of Certified Public Accountants.

          (b) On or before the Agreement Effective Date and annually within one
(1) month of each anniversary of the Agreement Effective Date occurring
thereafter during the Agreement Term, Supplier shall deliver to JPMC a
certificate of Supplier's current compliance with SEI CMM. Within three (3)
years of the Agreement Effective Date and thereafter at least once every three
(3) years during the Agreement Term, Supplier shall conduct an external
assessment of such compliance and provide evidence thereof to JPMC.

          (c) During the Agreement Term, Supplier shall also allow JPMC, or
external auditors on JPMC's behalf, subject to securities laws, to:

               (i) perform such periodic on-site reviews of Supplier Service
     Locations as JPMC deems appropriate. At JPMC's option, Supplier may submit
     evidence of a third party review, completed within the then most recent
     twelve (12) month period, that addresses the scope and control objectives
     related to transactions processed for JPMC; and

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

               (ii) access independent third party non-financial reports and, if
     available, internal audit reports of Supplier.

     18.6 CHANGES THAT MAY AFFECT SERVICES. Supplier shall notify JPMC
immediately of any organization, security-related, or other changes that affect
the ability of Supplier to perform its obligation under this Agreement,
including Supplier's ability to comply with all JPMC Information/Technology
Control Policies.

     18.7 ETHICAL HACK. Supplier agrees that JPMC may conduct an Ethical Hack as
part of JPMC's normal information security due diligence review and compliance.
If vulnerabilities are identified as a part of the Services, Supplier will
promptly: (a) document Supplier's remediation proposal, (b) provide JPMC with
such documentation and reports on the status of modifications to correct such
vulnerabilities and (c) implement such remediation modifications as may be
required as a result thereof and as shall have been pre-approved by JPMC in
writing. Notwithstanding the foregoing, the parties acknowledge and agree that
Supplier shall have the right to remove from any documentation and/or report
provided by Supplier to JPMC hereunder, all customer or confidential information
of any other client of Supplier.

     18.8 BACKUP DISKS. As a part of the Services with respect to each Task
Order, Supplier shall provide off-site storage at the specified Supplier Service
Location, on a weekly basis, of all backup disks, data or materials of any type
whatsoever produced, in whole or in part, in connection with, or related to, the
performance by Supplier of its obligations under such Task Order, including
discs, tapes, other storage media, work papers, documentation code, and partial
drafts of documentation code ("Backed-Up Materials"). Supplier shall not
co-mingle Backed-Up Materials from different Task Orders or with the materials
of other customers of Supplier without JPMC's express prior written consent.

     18.9 DISASTER RECOVERY PLAN.

          (a) As part of the Services with respect to each Task Order, Supplier
shall: (i) develop and implement a disaster recovery plan, and obtain JPMC's
written approval thereto, within ninety (90) days after such Task Order
Effective Date, which plan shall be attached to the applicable Task Order, (ii)
update and test the operability of such plan once during every Task Order Year
that the plan is fully operational, (iii) certify to JPMC at least once during
every Task Order Year that the plan is fully operational and (iv) implement the
plan upon the occurrence of a disaster. Upon the occurrence of a disaster,
Supplier shall use its best efforts to reinstitute the Services within eight (8)
hours of the occurrence of a disaster but, in any event, shall reinstitute the
Services within twenty-four (24) hours of each occurrence. If the Services are
not fully reinstituted within twenty-four (24) hours of the occurrence of a
disaster, JPMC may terminate one or more Task Orders, without penalty and
without regard to Section 16.3 (Termination for Cause) hereof. In the event of a
disaster, Supplier shall not increase its charges under this Master Agreement,
the Agreement Collateral Documents or any Task Order, or charge JPMC usage fees
in addition to the Fees.

          (b) Supplier further agrees that with respect to each Task Order JPMC
may during the Task Order Term, for any reasonable reason whatsoever, request
that Supplier move

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

all or some of the Supplier Personnel listed on such Task Order (Contingency
Plan Resources) to a location reasonably selected by JPMC (the "Contingency
Location") including, a location within India, a JPMC Location where Services
are provided, such other JPMC Location reasonably selected by JPMC, a Supplier
Location or third party location reasonably acceptable to JPMC and reasonably
equipped to facilitate performance of the Services. In the event of such a
request, Supplier agrees that it shall: (i) continue to provide the Services
without any disruption, (ii) promptly commence arrangements to move such
personnel to the Contingency Location and (iii) use commercially good faith
efforts to have such resources or a significant portion thereof relocated in no
more than ninety-six (96) hours from the time of the request. The parties
acknowledge and agree that the Supplier Personnel may change from time to time
upon mutual agreement of the Parties. A current list of the agreed upon Supplier
Personnel shall at all times remain with the JPMC Task Order Manager and the LOB
project manager, if any. If any Supplier Personnel are relocated pursuant to the
foregoing to a location outside of India, JPMC shall pay Supplier the then
applicable onsite rate for the applicable location.

          (c) Supplier agrees that at all times during the Task Order Term all
Supplier Personnel listed on such Task Order shall: (i) be authorized to work in
the United States or the appropriate jurisdiction mutually agreed upon in
writing by the parties outside of India and (ii) maintain valid visas or such
other similar work permits as may be required by the relevant jurisdiction to
permit such personnel to travel upon notice to such locations. A Force Majeure
Event shall only excuse Supplier's obligations to relocate personnel as
described herein as set forth in Section 19.13 (Force Majeure) including that
Supplier use reasonable precautions to prevent such events and Supplier agrees
to use commercially good faith efforts to take such reasonable precautions.

19.  MISCELLANEOUS PROVISIONS.

     19.1 SURVIVAL. In addition to those provisions of this Agreement which by
their express terms survive the expiration or earlier termination of this
Agreement, the terms of Article 1 (Definitions and Construction), Section 6.3
(Reports), Article 7 (Intellectual Property Rights; Work Product; Acceptance
Procedures), Article 9 (Taxes), Article 10 (Audits), Article 11
(Confidentiality; Compliance with Privacy Policies), Article 12 (Representations
and Warranties), Article 13 (Indemnities), Article 14 (Damages), Article 17 (End
of Term Assistance), Section 18.4 (Access by Regulatory Authorities) and Article
19 (Miscellaneous Provisions) shall survive the expiration or earlier
termination of this Agreement.

     19.2 NOTICES. All notices, consents, requests, demands and other
communications hereunder shall be in writing and shall be deemed to have been
duly given or delivered if: (a) delivered personally, (b) five (5) days after
mailed postage prepaid by certified mail, return receipt requested, with proper
postage prepaid, (c) delivered by facsimile if a confirmation copy is
immediately mailed by the sender postage prepaid by certified mail, return
receipt requested as provided in (b) above or (d) delivered by recognized
courier contracting for same day or next day delivery:

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          To JPMC:

          If by Mail
          JPMorgan Chase Bank
          General Services, Contracts
          Attn: Contracts Manager
          P.O. Box 710638
          Columbus, OH 43271-0638
          JPMC Agreement No. ____________

          If by Courier

          JPMorgan Chase Bank
          General Services, Contracts
          Attn: Contracts Manager
          1111 Polaris Parkway, Suite B3 OH1-0638 Columbus, OH 43240
          JPMC Agreement No. _____________

          with copies to:

          JPMorgan Chase Bank
          Legal Department
          Attn: Work Flow Manager
          25th Floor
          1 Chase Manhattan Plaza
          New York, NY 10081
          JPMC Agreement No. _____________
          Fax: (212) 383-0800

          And to the appropriate contact for notices set forth in the Task Order
          To Supplier:

          Virtusa Corporation
          2000 West Park Drive
          Westborough, MA 01581

or at such other address as the Parties hereto shall have last designated by
notice to the other Party. Any item delivered personally or by recognized
courier contracting for same day or next day delivery shall be deemed delivered
on the date of delivery. Facsimile deliveries shall be deemed delivered on the
date of transmission by the sender provided sender has evidence of successful
transmission and receipt. Any item mailed shall be deemed to have been delivered
on the date evidenced on the return receipt.

     19.3 ASSIGNMENT, BINDING EFFECT. Neither this Agreement, nor the
obligations of either Party, may be transferred or assigned by either Party
without the prior written consent of the other Party, such consent not to be
unreasonably delayed or withheld, (it being acknowledged and agreed that what is
reasonable shall be determined by JPMC in its discretion).

                                       54

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

Notwithstanding the foregoing JPMC may assign its rights and duties hereunder,
in whole or in part at any time, and from time to time, without Supplier's prior
consent, to any Affiliate or in connection with a merger, reorganization, stock
sale or sale of all or substantially all of JPMC 's assets. Any attempt to
assign this Agreement other than as set forth above shall be null and void. This
Agreement shall be binding on the Parties and their respective successors and
permitted assigns.

     19.4 WAIVER. A waiver by either of the Parties hereto of any breach by the
other Party of any of the terms, provisions or conditions of this Agreement or
the acquiescence of either Party hereto in any act (whether commission or
omission) which but for such acquiescence would be a breach as aforesaid, shall
not constitute a general waiver of such term, provision or condition of any
subsequent act contrary thereto.

     19.5 ENTIRE AGREEMENT; AMENDMENTS. Except as expressly provided in this
Agreement, this Master Agreement and the Agreement Collateral Documents,
represent the entire agreement between the Parties with respect to its subject
matter, and there are no other representations, understandings or agreements
between the Parties relative to such subject matter. No amendment to, or change,
waiver or discharge of, any provision of this Agreement shall be valid unless in
writing and signed by an authorized representative of both Parties.

     19.6 EEOC. Unless exempt, Supplier will comply with U.S. Department of
Labor regulations regarding (a) equal employment opportunity obligations of
government contractors and subcontractors, 41 Code of Federal Regulations
("CFR") Section 60.1.4 (a)(1)-(7); (b) employment by government contractors of
Vietnam-era and disabled veterans, 41 C.F.R. Section 60-250.4 (a)-(m); (c)
employment of the physically handicapped by government contractors and
subcontractors, 41 C.F.R. Section 60-741.4 (a)-(f); (d) developing written
affirmative action programs, 41 C.F.R. Section 60-2.1, 60-250.5 and 60-741.5;
(e) certifying no segregated facilities, 41 C.F.R. Section 60-1.8(f); (f) filing
annual EEO-1 reports, 41 C.F.R. Section 60-1.7; and (g) utilizing minority-owned
and female-owned business concerns, 48 C.F.R. Section 52-219.9 and 52-219.12,
all of which are incorporated herein by reference.

     19.7 PUBLICITY. Supplier shall not furnish the name, trademark or
proprietary indicia of JPMorgan Chase & Co., or any subsidiary or Affiliate
thereof (including JPMC) as a reference, or utilize the name, trademark or
proprietary indicia of JPMorgan Chase & Co. or any subsidiary or Affiliate
thereof (including JPMC) in any advertising, announcements, press releases or
other promotional materials including testimonials, quotations, case studies,
and other endorsements. No exceptions are granted without the prior written
consent of Brand Administration Group, Marketing and Communications, of JPMorgan
Chase & Co., such consent to be granted or withheld in the sole and absolute
discretion of JPMorgan Chase & Co.

     19.8 HEADINGS. The Section and Subsection headings in this Agreement are
inserted solely as a matter of convenience and for reference, and shall not be
considered in the construction or interpretation of any provision hereof. Unless
the context otherwise specifically requires, all references to Sections of this
Agreement shall refer to all Subsections thereof

                                       55

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

     19.9 SEVERABILITY. If a court of competent jurisdiction hereof declares any
provision invalid, such provision shall be ineffective only to the extent of
such invalidity, so that the remainder of that provision and all remaining
provisions of this Agreement will continue in full force and effect.

     19.10 NONDISCLOSURE OF TERMS. Each Party agrees for itself, its agents, and
representatives that the terms of this Agreement are confidential, and neither
Party shall disclose any of the terms hereof to any third party (except for
disclosure reasonably made to legal representatives and accountants) without the
prior written consent of the other Party or as may be required by either Party
to comply with applicable U.S. laws or regulations.

     19.11 COUNTERPARTS. This Agreement may be executed in one or more
counterparts, each of which shall for all purposes be deemed to be an original
and all of which shall constitute the same instrument.

     19.12 REGULATORY MATTERS. Supplier shall notify JPMC and any Task Order
Manager of any material claim or demand which is communicated to Supplier from
any Governmental Agency, regarding Supplier's activities (provided such claim or
demand is related to this Agreement) or any action pertaining to the foregoing
which is commenced against Supplier by any person or Governmental Agency and
shall keep JPMC apprised of the status and/or disposition of all such claims,
demands and litigation.

     19.13 FORCE MAJEURE. To the extent that either Party's performance of any
of its obligations pursuant to this Agreement is prevented, hindered or delayed,
directly or indirectly, by a Force Majeure Event, and such non-performance could
not have been prevented by reasonable precautions, then the non-performing Party
shall be excused from any further performance of those obligations. The
non-performing Party shall only be excused for so long as such Force Majeure
Event continues and such Party continues to use its best commercial efforts (or
cause its subcontractor to use best commercial efforts) to recommence
performance whenever and to whatever extent possible without delay, including
through the use of alternate sources, work around plans or other means. The
Party whose performance is prevented, hindered or delayed by a Force Majeure
Event shall immediately notify the other Party by telephone of the occurrence of
the Force Majeure Event and describe the Force Majeure Event in reasonable
detail (to be confirmed in writing within two days of the inception of such
delay). If any Force Majeure Event prevents or restricts Supplier's performance
of any of the Services and Supplier does not within three (3) consecutive days
recommence provision of those Services, JPMC may, upon notice to Supplier,
terminate the affected Task Orders. The occurrence of a Force Majeure Event does
not limit or otherwise affect Supplier's obligation to provide either normal
recovery procedures or any other disaster recovery services required pursuant to
JPMC Information/Technology Control Policies. Whenever a Force Majeure Event
causes Supplier to allocate limited resources between or among Supplier's
customers, JPMC shall receive equal priority respect of such allocation. If
Supplier is unable to perform, in whole or in part, due to a Force Majeure
Event, and if requested by Supplier, JPMC shall use commercially reasonable
efforts to assist Supplier to restore Supplier's performance under this
Agreement, and in that event all of JPMC's additional costs and expenses related
to JPMC's efforts shall be reimbursed

                                       56

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

by Supplier. Notwithstanding the foregoing, Supplier will not be excused from
performance under this provision to the extent that compliance with Supplier's
plan would reasonably be expected to avoid any such nonperformance.

     19.14 DISPUTE RESOLUTION.

          (a) Contract Managers. All disputes arising under or relating to this
Agreement shall be referred to Supplier Task Order Manager and a representative
of JPMC designated by JPMC prior to the escalation of such dispute. If the
dispute is not resolved within three (3) days after such referral, the Parties
shall immediately escalate the dispute pursuant to Subsection 19.14(b)
(Engagement Managers) below.

          (b) Engagement Managers. Immediately upon receipt of the notice of the
dispute, the Engagement Manager and a representative of JPMC designated by JPMC
shall work to resolve the dispute. If the dispute is not resolved within 5 days
after such referral, the Parties shall immediately escalate the dispute to the
President of Supplier and a senior executive of JPMC. If the dispute is not
resolved within three (3) days after such referral, the parties shall
immediately submit the dispute for negotiation pursuant to Subsection 19.14(c)
(Negotiation) below.

          (c) Negotiation. Immediately upon receipt of the notice of the
dispute, the Parties' designated representatives shall meet (including by
teleconference) for the purpose of resolving the dispute by negotiation in good
faith. Upon the conclusion of the negotiation, the Parties' designated
representatives will produce a joint written recommendation, including actions
to be taken with respect to any issues not agreed upon or remaining unresolved.
The Parties agree to be bound by any such joint written recommendation.

          (d) Continuity of Services. Supplier acknowledges that the performance
of its obligations pursuant to this Agreement is critical to the business and
operations of JPMC. Accordingly, in the event of a dispute between JPMC and
Supplier, Supplier shall continue to perform its obligations under this
Agreement in good faith during the resolution of such dispute unless and until
this Agreement is terminated in accordance with the provisions hereof. JPMC
shall not be excused from its payment obligations hereunder during the dispute
resolution process.

          (e) Right to Terminate and/or Litigate. Notwithstanding anything to
the contrary in this Section 19.14 (Dispute Resolution), this Section 19.14
(Dispute Resolution) will not be construed to prevent either Party from: (i)
terminating this Agreement pursuant to Section 16 (Term; Termination); or (ii)
instituting litigation to (A) avoid, based on a well-founded belief, the
expiration of any limitations period applicable to a particular claim, (B)
preserve a superior position with respect to creditors, (C) seek a temporary
restraining order or other immediate injunctive relief or (D) if the Party who
wishes to institute the litigation has in good faith attempted the negotiation
described in Paragraph (b) above and objectively believes in good faith that it
has and will continue to fail to resolve the Parties dispute or disputes.

                                       57

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

     19.15 GOVERNING LAW; VENUE. This Agreement and any action arising hereunder
shall be construed in accordance with and be governed by the laws of the State
of New York, without regard to the United Nations Convention on the
International Sale of Goods. Each Party irrevocably agrees that any legal
action, suit or proceeding brought by it in any way arising out of this
Agreement must be brought solely and exclusively in the United States District
Court for the Southern District of New York, or in the state courts of the State
of New York, as appropriate and the parties hereby irrevocably waive, to the
fullest extent permitted by applicable law, any objection which they may now or
hereafter have to the laying of venue of any such proceeding brought in such
courts and any claim that any such proceeding brought in such courts has been
brought in an inconvenient forum. If the UCITA is enacted as part of the law of
the aforementioned state, said statute shall not govern any aspect of this
Agreement, any license granted hereunder, nor any of the Parties' rights and
obligations arising pursuant to this Agreement. This Agreement and the Parties'
rights and obligations hereunder shall be governed by the law as it existed
prior to the enactment of the UCITA.

     19.16 RELATIONSHIP OF PARTIES.

          (a) Nothing in this Agreement shall constitute or be deemed to
constitute a relationship of employer and employee, agency, joint venture or
partnership between the Parties hereto or constitute or be deemed to constitute
one Party as agent of the other, for any purpose whatsoever, and except as
expressly provided herein, neither Party shall have the authority or power to
bind the other, or to contract in the name of or create a liability against the
other, in any way or for any purpose.

          (b) Supplier alone shall be responsible for all payments due to
Supplier Personnel and/or Subcontractors, including (where applicable) wages,
reimbursement of expenses, remittance to proper authorities of all required
income and social security withholding taxes, unemployment insurance payments
and taxes, disability insurance payments and taxes and all other wages, amounts
or benefits owed to or payable to or on behalf of such person. Supplier shall
take full responsibility for discharging all obligations imposed by federal,
state or local law, ordinance, regulation or order (now or hereafter in force)
and for any actual losses and direct damages (including fines, penalties and
costs) incurred by JPMC by virtue of Supplier's or its Subcontractor's failure
to perform or properly perform such obligations. Neither Supplier Personnel nor
its Subcontractors is eligible for or entitled to participate in or be covered
by, any employee benefit program or policy sponsored by or through JPMC, nor are
Supplier Personnel or Subcontractors eligible for, or entitled to, any form of
compensation from JPMC or any benefits provided by JPMC to its employees
(including group insurance, pension plan and savings plan benefits).

          (c) During the Term, Supplier is free to conduct outside business
activities, provided, however, that no such activities shall constitute a
conflict of interest with JPMC, and that such activities shall not interfere
with Services provided hereunder. The parties agree that during the Term,
Supplier shall use its best efforts (on a non-exclusive basis, subject, however,
to the provisions of this Agreement) in providing the Service(s) required by
JPMC. This Section 19.16 (Relationship of the Parties) shall survive termination
of the Agreement.

                                       58

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

     19.17 THIRD PARTY BENEFICIARIES. Except as specified in this Agreement, the
Parties do not intend to create any obligations of or any rights, causes of
action or benefits in favor of any person or entity other than JPMC, a JPMC
Affiliate (as defined in the form of Task Order attached hereto) or Supplier.

     19.18 INTERPRETATION OF DOCUMENTS. In the event of a conflict between: (i)
the terms of this Agreement (excluding the Agreement Collateral Documents), and
the terms of any Agreement Collateral Document, then the terms of this Agreement
(excluding the Agreement Collateral Documents) shall prevail, (ii) the terms of
this Agreement (excluding the applicable Task Order) and the terms of the
applicable Task Order, then the terms of such applicable Task Order shall
prevail, and (iii) any reference in this Agreement to an article, section or
exhibit, and the heading of such article, section or exhibit referred to in
connection therewith, then the heading of such article, section or exhibit
referred to in connection therewith shall prevail.

     19.19 NO INTERFERENCE. Nothing contained in this Agreement shall be deemed
to preclude either party from: (a) entering into arrangements that are the same
as or are similar to the arrangement described in this Agreement with any other
entities (including entities that provide services that are the same as or are
similar to the Services), (b) including in any products or services it offers
any products or services that are the same as or are similar to the Services or
(c) providing in any other manner any such products or services.

     19.20 COVENANT OF FURTHER ASSURANCES. JPMC and Supplier covenant and agree
that, subsequent to the execution and delivery of this Agreement and, without
any additional consideration, each of JPMC and Supplier shall execute and
deliver any further legal instruments and perform any acts which are or may
become necessary to effectuate the purposes of this Agreement.

     19.21 NEGOTIATED TERMS. The Parties agree that the terms and conditions of
this Agreement are the result of negotiations between the Parties and that this
Agreement shall not be construed in favor of or against any Party by reason of
the extent to which any Party or its professional advisors participated in the
preparation of this Agreement.

     19.22 SUPPLIER DIVERSITY. It is the policy of JPMC through its Supplier
Diversity initiative that certified minority business enterprises ("MBEs"),
women business enterprises ("WBEs") (collectively "MWBEs"), Disabled Business
Enterprises ("DBE"), and Veteran Business Enterprises ("VBE") shall have equal
opportunity to bid on JPMC contracts and to participate in the performance of
contracts for goods and services with JPMC and its prime suppliers. MWBEs, DBE
and VBE are collectively referred to as "Diverse Suppliers". Specific to this
Agreement, the utilization goal for Diverse Suppliers is five percent (5%) of
the spend under this Agreement. On an ongoing basis, Supplier shall:

          (a) Identify the actions, programs or efforts to be undertaken to seek
to comply with the stated policy regarding the goods and services specifically
identifiable to the Services to be provided under this Agreement;

                                       59

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (b) Identify procurement opportunities that may exist relating to this
Agreement that include, or may include, Diverse Supplier participation in the
direct production or distribution of Supplier's products or services
(collectively, "Direct Opportunities");

          (c) Identify indirect products and services that Supplier purchases to
run its day-to-day operations that may be purchased from Diverse Suppliers
(collectively, "Indirect Opportunities"); and

          (d) Submit a Second-Tier Quarterly Report in the form required by JPMC
within six (6) weeks after the end of each calendar quarter (i.e., May, August,
November, and February of each year). This report will list all certified
Diverse Suppliers that Supplier utilized through Direct Opportunities or will
provide an accounting of the indirect dollars allocated to JPMC as calculated
from the "percent of sales" methodology, during the previous quarter and any
other information as JPMC may request from time to time. Supplier is also
encouraged to list all efforts made during the quarter to increase its support
of Diverse Suppliers. Supplier will contact a representative from the JPMC
Vendor Diversity group to receive an explanation of the quarterly reporting
process. For information regarding JPMC certification requirements, Supplier
should contact a Suppler Diversity representative or visit the JPMC Supplier
Diversity website at www.ipmorganchase.com/supplierdiversity.

     Without in any way limiting what constitutes a material breach under this
Agreement, Supplier acknowledges that its failure to comply with the provisions
of this Section 19.22 (Supplier Diversity) will constitute a material breach of
the terms and conditions of this Agreement.

     IN WITNESS WHEREOF, JPMorgan Chase Bank and Supplier have caused duly
authorized representatives of their respective companies to execute this Master
Service Provider Agreement as of the Agreement Effective Date.

JPMORGAN CHASE BANK                     VIRTUSA CORPORATION

By: /s/ Joseph F. Mald                  By: /s/ Danford Smith
    ---------------------------------       ------------------------------------
Printed Name: Joseph F. Mald            Printed Name: Danford Smith
Title: Senior Vice President            Title: President

                                       60
<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                           MASTER AGREEMENT EXHIBIT A

                               TASK ORDER TEMPLATE

                        TASK ORDER NO. _______ (PROJECT)

1. JPMC Agreement Name: Master Service Provider Agreement dated ____________
("Master Agreement")

2. Project Name: _______________________________________________________________

3. Contracting Parties:

<TABLE>
<CAPTION>
               SUPPLIER                                   JPMC
               --------                                   ----
<S>                                     <C>
Supplier Name: __________("Supplier")   JPMC Entity: __________________ ("JPMC")

Address: ____________________________   Address: _______________________________
         ____________________________            _______________________________
         ____________________________            _______________________________

State of Incorporation: _____________   State of Incorporation: ________________

Supplier Task Order Manager: ________   JPMC Task Order Manager: _______________

                                        JPMC Line of Business/
                                        Corporate Group: _______________________
</TABLE>

4. EFFECTIVE DATE OF THIS TASK ORDER: ____________________________ ("Task Order
Effective Date")

5. TERM:

     INITIAL TERM:______________, commencing on the Effective Date of this Task
     Order and ending on ________ (unless terminated earlier pursuant to the
     terms and conditions of the Master Agreement).

     RENEWAL TERM:___________ additional terms of ___________ months/years (in
     accordance with the terms set forth in Section 14(c), below.

     (Initial Term and Renewal Term shall be referred to collectively in this
     Task Order as the "Task Order Term")

6. SERVICES: Supplier shall provide to JPMC the Services and deliver the Work
Product as set forth in Task Order Exhibit A ("Statement of Work"). [FOR
APPLICATION DEVELOPMENT/PROJECT DEVELOPMENT, STATEMENT OF WORK SHOULD CONTAIN
DELIVERY SCHEDULE].

7. SERVICE LEVELS: As set forth on Task Order Exhibit B.

8. ACCEPTANCE CRITERIA: [As set forth in Master Agreement or Statement of Work]
[APPLIES TO APPLICATION DEVELOPMENT/PROJECT DEVELOPMENT TASK ORDERS]

9. SUPPLIER TOOLS, SUPPLIER SOFTWARE AND SUPPLIER MACHINES AND JPMC SOFTWARE: As
set forth on Task Order Exhibit C.

                                       61

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

10. SUPPLIER SERVICE LOCATION(S): ______________________________________________

Supplier shall not add or change any Supplier Service Location without the
express written authorization of JPMC in each instance.

11. FEES:

     The Fees (including, to the extent permitted by Task Order Exhibit E
hereto, the reimbursement of out-of-pocket expenses) for services performed in
connection with this Task Order shall be as set forth on Task Order Exhibit E
hereto, subject to the provisions of Section 8.1 of the Master Agreement.
Supplier shall provide to JPMC invoices relating to Services provided hereunder
in accordance with the payment schedule set forth in Task Order Exhibit E. JPMC
shall render payments to Supplier as set forth I Section 8.2 of the Master
Agreement after receipt of an invoice. All invoices from Supplier under this
Task Order shall be sent to JPMC at the following bill-to-address:

          [LOB]
          JPMorgan Chase
          JPMC TO PROVIDE BILLING ADDRESS

12. DISASTER RECOVERY PLAN: As set forth on Task Order Exhibit D. During the
Task Order Term JPMC may, for any reasonable reason whatsoever, request that
Supplier move all or some of the Supplier Personnel listed on Task Order Exhibit
D (Contingency Plan Resources) attached hereto to a location reasonably selected
by JPMC (the "Contingency Location") including, without limitation, a JPMC
Location in the United States or off-shore, a Supplier Service Location in the
United States or the country in which Supplier is performing the Services or a
third party location reasonably equipped to facilitate performance of the
Services. In the event of such a request, Supplier agrees that it shall (a)
continue to provide the Services without any disruption, (b) promptly commence
arrangements to move such personnel to the Contingency Location and (c) use
commercially good faith efforts to have such resources or a significant portion
thereof relocated in no more than 96 hours from the time of the request. The
parties acknowledge and agree that the Supplier Personnel listed on Task Order
Exhibit D may change from time to time upon mutual agreement of the Parties. A
current list of the agreed upon Supplier Personnel shall at all times remain
with the JPMC Task Order Manager and the LOB project manager, if any. In the
event that any Supplier Personnel are relocated pursuant to the foregoing to a
location outside of the country in which such Supplier Personnel was performing
services, JPMC shall pay Supplier the then applicable onsite rate for the
applicable location. Supplier agrees that at all times during the Task Order
Term all Supplier Personnel listed on Task Order Exhibit D-1 shall (a) be
authorized to work in the United States (b) maintain valid visas or such other
similar work permits as may be required by the relevant jurisdiction in the
United States to permit such personnel to travel upon notice to such locations.
A Force Majeure Event shall only excuse Supplier's obligations to relocate
personnel as described herein as set forth in Section 19.13 including that
Supplier use reasonable precautions to prevent such events and Supplier agrees
to use commercially good faith efforts to take such reasonable precautions.

13. PERSONNEL:

     SUPPLIER KEY PERSONNEL:

<TABLE>
<CAPTION>
ROLE   NAME
----   ----
<S>    <C>

</TABLE>

     JPMCPERSONNEL:

<TABLE>
<CAPTION>
ROLE   NAME
----   ----
<S>    <C>

</TABLE>

                                       62

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

14. ADDITIONAL TERMS AND CONDITIONS:

     a. Definitions.

          (i) "Other Task Orders" shall mean, collectively, all Task Orders
     except for this Task Order.

          (ii) "Task Order" shall mean, collectively, (i) this Task Order to the
     Master Agreement, (ii) the Master Agreement (excluding any Other Task
     Orders), and (iii) the Task Order Collateral Documents.

          (iii) "Task Order Collateral Documents" shall mean any and all
     exhibits, schedules, appendices and other documents attached hereto and
     incorporated by reference herein, and/or which, by their terms, expressly
     refer to and incorporate this Task Order.

          (iv) "Task Order Year" shall mean each twelve (12) month period during
     the Task Order Term, commencing on the Task Order Effective Date and on
     each anniversary of the Task Order Effective Date thereafter.

     b. Interpretation of Documents. This Task Order addresses the specific
terms and conditions relating to the Services and Work Product described herein
and constitutes a part of, and is intended to be attached to, the Master
Agreement. Except as otherwise expressly provided herein, (i) this Task Order
incorporates by reference all of the terms and conditions of the Master
Agreement and the Agreement Collateral Documents, (ii) all capitalized terms
that appear in this Task Order shall have the meanings ascribed to them in the
Master Agreement and the Agreement Collateral Documents, (iii) wherever the term
"JPMC" appears in the Master Agreement or the Agreement Collateral Documents,
such term shall expressly include JPMC Affiliate identified in this Task Order
as if such JPMC Affiliate were JPMC thereunder, (iv) JPMC Affiliate identified
in this Task Order shall be deemed a third party beneficiary under the Master
Agreement and the Agreement Collateral Documents (and as such, shall be entitled
to rely upon all rights, representations and warranties made by Supplier therein
to the same extent as if such JPMC Affiliate were JPMC thereunder), and (v) if
there shall be a conflict between (a) the terms and conditions of this Task
Order on the one hand, and the terms and conditions of the Master Agreement
together with the Agreement Collateral Documents, on the other hand, then the
terms and conditions of this Task Order shall prevail, and (b) the terms and
conditions of this Task Order (excluding any Task Order Collateral Documents) on
the one hand, and the terms and conditions of any Task Order Collateral Document
on the other hand, then the terms and conditions of this Task Order shall
prevail.

     c. Renewal Terms. JPMC shall have the right and option of renewing this
Task Order, upon the same Fees, terms and conditions as are set forth herein,
for the Renewal Terms set forth above, upon the expiration of the Initial Term,
provided however the Fees shall be adjusted as set forth in the Master Agreement
including Section 8.5 and Agreement Exhibits B and Gof the Master Agreement. For
JPMC to exercise its renewal rights, at least thirty (30) days prior to the
expiration of the Initial Term, or any Renewal Term, as the case may be, JPMC
shall notify Supplier that it wishes to renew this Task Order. If JPMC notifies
Supplier that it does not desire to renew this Task Order, or does not timely
notify Supplier of its desire to renew this Task Order, then this Task Order
shall automatically expire at the end of the Initial Term, or the Renewal Term,
as the case may be. Notwithstanding anything contained herein, this Task Order
shall remain in full force and effect until completion of any Services to be
rendered and delivery of any Work Product by Supplier pursuant to this Task
Order including any End of Term Assistance Services.

     d. Periodic Meetings. Pursuant to the terms and conditions contained in
Section 6.1 (Periodic Meetings) of the Master Agreement, the meetings between
JPMC's Task Order Manager and Supplier Task Order

                                       63

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

Manager shall be held quarterly or more often if requested by JPMC in New York
City. The content covered in these periodic meetings is as detailed in Task
Order Exhibit F.

     e. Reports. Pursuant to the terms and conditions contained in Section 6.3
(Reports) of the Master Agreement, Reports containing the information set forth
in Task Order Exhibit F (Reports) attached hereto shall be delivered to JPMC at
the times indicated in such Exhibit. All reports created or produced by Supplier
in connection with Section 6.3 of the Master Agreement shall be deemed JPMC's
Confidential Information,

     f. Notices. The address(es) that Supplier shall send or give all notices or
other communications with respect to this Task Order pursuant to, and in
addition to, the terms and conditions contained in Section 19.2 (Notices) of the
Master Agreement, shall also be as follows:

          JPMorgan Chase Bank
          ______________________________________
          ______________________________________
          ______________________________________

          with a copy to:

          JPMorgan Chase Bank
          Legal Department
          One Chase Manhattan Plaza
          25th Floor
          New York, NY 10081
          Facsimile Transmission: (212) 383-0800

     g. Survival. In addition to those provisions of the Master Agreement and
the Agreement Collateral Documents which by their express terms survive the
expiration or earlier termination of the Master Agreement or the Agreement
Collateral Documents, as the case may be, the terms of Section 14(b)
(Interpretation of Documents), Section 14(g) and Section 14(h) of this Task
Order and any other section which must survive to give effect to its meaning
shall survive the expiration or earlier termination of this Task Order.

     h. Compliance with JPMC Information/Technologv Control and Related JPMC
Policies. Supplier's description of how Supplier and its Subcontractors shall
comply with the JPMC Information/Technology Control and Related JPMC Policies is
attached hereto as Task Order Exhibit G (Supplier's Statement of Compliance with
JPMC's Information/Technology Control Policies).

     IN WITNESS WHEREOF, JPMC and Supplier have caused duly authorized
representatives of their respective companies to execute this Task Order as of
the Task Order Effective Date.

JPMORGAN CHASE BANK

By:                                     By:
    ---------------------------------       ------------------------------------
Printed Name:                           Printed Name:
              -----------------------                 --------------------------
Title:                                  Title:
       ------------------------------          ---------------------------------

                                       64

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                              TASK ORDER EXHIBIT A

                                Statement of Work

1. Description and Scope of Services and Work Product.

[NOTE TO AUTHORS OF TASK ORDERS: FOR MAINTENANCE, THIS SECTION SHOULD (A)
DESCRIBE THE BOUNDARIES OF THE APPLICATION(S) SUPPORTED BY THE SUPPLIER (LIST
JPMC CONTENT PROVIDED) AND (B) DETAIL EXACTLY WHAT MAINTENANCE ACTIVITIES ARE
COVERED BY THE SUPPLIER (E.Q., IS ANALYSIS OF BUGS COVERED, ARE REGULATORY FIXES
COVERED?). FOR DEVELOPMENT PROJECTS, THIS SECTION SHOULD DESCRIBE (A) THE
APPLICATION BEING BUILT, INCLUDING BUSINESS REQUIREMENTS, (B) THE OBJECTIVES OF
THE DEVELOPMENT, AND (C) WHAT PRECISELY THE SUPPLIER IS DOING (EA, FUNCTIONAL
SPECIFICATIONS, CODING, TESTING UP TO UAT). USUALLY, A LARGER SCOPE DOCUMENT IS
ATTACHED (E.Q., THE SPECS OR BUSINESS REQUIREMENTS OR AN ARCHITECTURAL DOCUMENT.
DOCUMENTATION TO BE PRODUCED BY SUPPLIER SHOULD BE SPECIFICALLY DETAILED (E.Q.,
ONLINE HELP, USER MANUALS, TECHNICAL DOCUMENTATION)]

As set forth and defined in Section 7.1 (g) of the Master Agreement the
following shall be deemed:

          (i) JPMC Work Product or

          (ii) Supplier Work Product

2. Responsibilities and Tasks.

     a. Suppliers Responsibilities and Tasks.

[NOTE TO AUTHORS OF TASK ORDER- THE FOLLOWING LIST SHOULD BE MODIFIED BASED ON
THE DETAILS OF THE SERVICES AND WORK PRODUCT TO BE PROVIDED BY SUPPLIER. EACH
ITEM SET FORTH BELOW SHOULD NOT NECESSARILY BE INCLUDED IN EACH TASK ORDER-- THE
SERVICES SHOULD BE DESCRIBED AS SPECIFICALLY AS POSSIBLE AND GENERALITIES SHOULD
BE AVOIDED]

          (i) Development and execution of a detailed knowledge acquisition and
     implementation plan (specifying the methodologies to be used and procedures
     to verify readiness of Supplier Location) for the transition of Services
     related to an Application or other such Services;

          (ii) Development of Specifications including a Design Document and
     Functional and Technical Specifications, such Specifications to be subject
     to the prior review and written approval by JPMC [Affiliate] using criteria
     reasonably determined by JPMC [Affiliate];

          (iii) Development and/or maintenance of the Application(s) described
     on such Statement of Work, including support of such Application(s) during
     the hours agreed and/or the development of Enhancements (including new
     releases and testing of such releases) and Error Corrections for such
     Application(s);

          (iv) Development of Documentation for any Work Product;

          (v) Development of operations training plans, subject to a mutually
     agreed-upon procedure, for review and approval by JPMC;

          (vi) Development of a Procedures Manual, detailing operations and
     procedures including the use of space, layout, physical plant
     characteristics and physical and system security of each Supplier Location,
     such Procedure Manual to be jointly developed and subject to the prior
     review and written approval by JPMC [Affiliate] using criteria reasonably
     determined by JPMC [Affiliate];

                                       65

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (vii) Development of detailed procedures, plans and methodologies to
     transfer Work Product and/or knowledge to JPMC;

          (viii) Design, implementation and maintenance of all Supplier Tools,
     Supplier Machines and Supplier Software interfaces required to perform the
     Services;

          (ix) Performance of any services, functions or responsibilities not
     specifically described in this Task Order, but which are required for the
     proper performance and delivery of the Services and Work Product, including
     the warranties and performance standards set forth in this Statement of
     Work and the Agreement;

          (x) Development of appropriate benchmarking information and
     adjustments, if any, with respect to the Services as required by JPMC
     [Affiliate]; [NOTE TO AUTHORS OF TASK ORDERS: THIS MAY APPLY TO BOTH
     MAINTENANCE AND DEVELOPMENT TASK ORDERS (P.Q., JPMC MAY HAVE THE SUPPLIER,
     AS PART OF THE SCOPE OF SERVICES, BENCHMARK THE PERFORMANCE OF THE
     APPLICATION'S DATABASE).]

          (xi) Development and implementation of Change Control Procedures;
     [NOTE TO AUTHORS OF TASK ORDERS: THE TASK ORDER EXHIBIT A (STATEMENT OF
     WORK) SHOULD DETAIL WHO THE PEOPLE ARE WHO ARE INVOLVED IN THE CHANGE
     CONTROL PROCEDURE. THE FORM AND PROCESS USED ARE PART OF THE MASTER
     AGREEMENT.]

          (xii) Ongoing achievement of all Service Levels, including providing
     ongoing customer service assistance to JPMC; [NOTE TO AUTHORS OF TASK
     ORDERS: MANDATORY FOR MAINTENANCE TASK ORDERS]

          (xiii) Performance of quality reviews by Supplier to ensure compliance
     with all requirements as well as continuous improvement; and [NOTE TO
     AUTHORS OF TASK ORDERS: MANDATORY FOR MAINTENANCE AND DEVELOPMENT TASK
     ORDERS.]

          (xiv) Performance of all End of Term Assistance Services. [NOTE TO
     AUTHORS OF TASK ORDERS: MANDATORY FOR MAINTENANCE AND DEVELOPMENT TASK
     ORDERS.]

     b. JPMC's Responsibilities and Tasks.

3. Timetable and Milestones.

[NOTE TO AUTHORS OF TASK ORDER: MAY NOT BE APPLICABLE FOR MAINTENANCE TASK
ORDERS. FOR DEVELOPMENT PROJECTS, AN APPROPRIATE TABLE MUST BE CREATED.]

4. Acceptance Specifications.

[NOTE TO AUTHORS OF TASK ORDER: MAY NOT BE APPLICABLE FOR MAINTENANCE TASK
ORDERS. FOR DEVELOPMENT PROJECTS, AN APPROPRIATE TABLE MUST BE CREATED. THIS
SHOULD INCLUDE THE TESTING PERIOD AND PROCEDURES AS WELL IF SUCH TESTING PERIOD
OR PROCEDURES DIVERGE FROM THOSE STATED IN THE MASTER AGREEMENT.]

5. Project Plan. The initial project plan for this Task Order is attached as
appendix A to this Task Order. Any modification to such plan shall be subject to
the terms of the Master Agreement, including Section 2.6 (Change Orders) thereof
as applicable.

     [NOTE TO AUTHORS OF TASK ORDERS: THE PROJECT PLAN IS PARTICULARLY IMPORTANT
FOR DEVELOPMENT PROJECTS]

                                       66

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                              TASK ORDER EXHIBIT B

                                 Service Levels

                                       67

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                              TASK ORDER EXHIBIT C

    Supplier Tools, Supplier Software and Supplier Machines and JPMC Software

                                       68

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                              TASK ORDER EXHIBIT D

                  Business Continuity / Disaster Recovery Plan

                                       69

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                              TASK ORDER EXHIBIT E

                                      Fees

                                       70
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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                              TASK ORDER EXHIBIT F

                           Periodic Meetings / Reports

1.   Reports:

At a minimum, the following reports should be provided:

WEEKLY REPORTS
SLA Summary and Report

MONTHLY REPORTS
SLA Summary Report
Task Order Summary Report
Category Summary Report
Call Reports
Open Items Report
Outsourcing Health (Performance vs. Objectives)
Outsourcing Utilization/Projection

Quarterly Reports
SLA Summary Report
Task Order Summary Report
Call Report
Open Items Report

Annual Report
Customer Satisfaction Survey

AD HOC REPORTS
Overview of continuous improvements

[NOTE TO AUTHORS: BEFORE DRAFTING THIS SUBSECTION, PLEASE DETERMINE WHICH
REPORTS WILL BE PROVIDED AND DETERMINE THE FORM AND CONTENT OF THE REPORTS TO BE
PROVIDED]

2.   Periodic Meetings:

                                       71

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                              TASK ORDER EXHIBIT G

                     Supplier's Statement of Compliance with
                 JPMC's Information/Technology Control Policies

                                       72

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                           MASTER AGREEMENT EXHIBIT B

                                PROFESSIONAL UNIT

Supplier may be paid for Services on the basis of a Professional Unit which will
be set forth in the applicable Task Order as a Professional Day or a
Professional Week.

A.   Payment for Services provided for a "Professional Day" is calculated
     according to the following formula:

(i) Except as provided in Paragraph B below, and subject to subsections (ii) and
(iii) of this Paragraph A., in consideration of Supplier's performing Services
under a Task Order for eight hours or more on any calendar day (including,
weekends and holidays), JPMC will pay Supplier therefor the amount described in
such Task Order as the amount for a Professional Day ("Professional Day
Amount").

(ii) [**************************************************************************
********************************************************************************
********************************************************************************
***********************.]

(iii)[**************************************************************************
********************************************************************************
********************************************************************************
*********************************].

B.   Payment for Services provided for a "Professional Week" is calculated
     according to the following formula:

(i) Except as provided in Paragraph A, and subject to subsections (ii) and (iii)
of this Paragraph B, in consideration of Supplier's performing Services under a
Task Order for forty (40) hours or more in any calendar week (including, but not
limited to, weekends and holidays), JPMC will pay Supplier therefor the amount
described in such Task Order as the amount for a Professional Week
("Professional Week Amount").

(ii) [**************************************************************************
********************************************************************************
********************************************************************************
********************************************************************************
*************************************************.]

(iii) [*************************************************************************
********************************************************************************
********************************************************************************
********************************************************************************
***************************************************.]

                                       73

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                           MASTER AGREEMENT EXHIBIT C

                          PRE-JPMC ASSIGNMENT STATEMENT

1. I understand that I am an employee of ______________ ("Contractor") and that
my provision of services for JPMorgan Chase Bank does not alter that status. I
understand that I am not eligible for, or entitled to, any employment status
with, or employment benefits of, JPMorgan Chase Bank.

2. I understand that JPMorgan Chase Bank's policies prohibit any concurrent
employment or assignment which creates a conflict of interest or interferes with
my provision of services to JPMorgan Chase Bank. I hereby confirm that I am not
so employed or assigned. I also agree to promptly advise Contractor and JPMorgan
Chase Bank should I become concurrently employed or assigned by a financial
institution or by a company primarily engaged in the issue, flotation,
underwriting, public sale or distribution of stocks, bonds or other similar
securities (such as a broker/dealer) while I provide services at JPMorgan Chase
Bank, and I understand that JPMorgan Chase Bank may permit such concurrent
employment or assignment without prejudice to subsequent objection to conduct
which creates a conflict or interference.

3. I further understand that while providing services at JPMorgan Chase Bank I
am obligated to conduct myself in accordance with any work rules in effect and
to abide by those principles of any applicable World Wide Rules in effect,
including but not limited to the obligation to report any observed or suspected
illegal activity to the Office of the Secretary of JPMorgan Chase Bank, not to
engage in insider trading based on information I become aware of or by virtue of
my provision of services at JPMorgan Chase Bank, and not to accept gifts for my
provision of services at JPMorgan Chase Bank.

4. I understand that I am not to operate or drive any motorized vehicle or
operate any machinery (except office machinery) on behalf of JPMorgan Chase Bank
without Contractor's prior written consent and that I am not authorized or
empowered to render professional opinions or to sign my name or the JPMorgan
Chase Bank name to any financial statement or tax return in connection with the
performance of services at JPMorgan Chase Bank or its affiliates.

5. Have you ever been assigned to or employed by J.P. Morgan Chase & Co.,
JPMorgan Chase Bank or any of their direct or indirect subsidiaries, affiliates
or predecessors, including The Chase Manhattan Corporation, The Chase Manhattan
Bank, Chemical Bank, The Chase Manhattan Bank, N.A., Manufacturers Hanover
Corporation, or Manufacturers Hanover Trust Company, J.P. Morgan & Co.
Incorporated or any of its direct or indirect subsidiaries, affiliates or
predecessors, including Morgan Guaranty Trust Company of New York (collectively
"JPMorgan Chase")?

[ ] No   [ ] Yes

Please specify assignment or position, along with dates of assignment or
employment:

________________________________________________________________________________

Were you involuntarily released from the assignment or position?

[ ] No   [ ] Yes

If "Yes", explain: _____________________________________________________________

6. Are any of your relatives (that is anyone related to you by blood, marriage
or law) or members of your household currently employed by or assigned to work
at JPMorgan Chase?

                                       74

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

[ ] No   [ ] Yes

Please specify name of relative or member of household, position and department:

________________________________________________________________________________

7. Have you ever been convicted of, plead guilty or no contest to, or entered
into a pre-trial diversion or similar program concerning any criminal offense
(e.g., a misdemeanor or a felony) involving a crime of dishonesty, breach of
trust, money laundering, or felony involving violence or drug offenses including
the illegal manufacture, sale distribution or trafficking in controlled
substances?

Do include any guilty pleas or convictions pursuant to a plea bargain or
pre-trial diversion program.

Do not include the following: (1) minor traffic violations, (2) convictions or
pleas as a youthful offender or juvenile, or (3) any criminal proceedings which
have been terminated in your favor (e.g., any acquittals or convictions which
have been deleted, voided, invalidated, expunged or sealed by a court).

NOTE: Responses concerning plea bargains or pre-trial diversions should not be
provided in states which restrict such inquiries. These states include, but may
not be limited to California.

[ ] No   [ ] Yes

If "Yes", explain: _____________________________________________________________

8. Have you been charged with or arrested for any criminal offense described
above for which you are awaiting disposition, dismissal, termination, further
court proceedings or a final resolution? Include any pending criminal case which
has been postponed pursuant to a pre-trial diversion or similar program.

NOTE: Responses concerning unresolved charges or arrests should not be provided
in states which restrict such inquiries. These states include, but may not be
limited to Arizona, California, Illinois, Indiana, Iowa, Kansas, Massachusetts,
Michigan, Minnesota, Nevada, New Mexico, Ohio, Rhode Island, Utah, Washington,
and West Virginia.

[ ] No   [ ] Yes

If "Yes", explain: _____________________________________________________________

9. If you answered 'yes' to either question seven or eight, please note that,
consistent with applicable law, a conviction or unresolved criminal charge or
arrest will not result in an automatic disqualification from your ability to
provide services at JPMorgan Chase Bank. As appropriate, factors such as the
date, nature, job relatedness and seriousness of the offense will

be considered. However, please be advised that the Federal Deposit Insurance Act
provides that ". . . any person who has been convicted of any criminal offense
involving dishonesty or a breach of trust, or money laundering, or has agreed to
enter into a pretrial diversion or similar program in connection with a
prosecution of such offense, may not participate, directly or indirectly, in the
conduct of the affairs of any insured depository institution . . .." Crimes
involving violence or drug offenses may come under this definition and JPMorgan
Chase Bank also has certain bonding requirements.

10. I agree to have my fingerprints taken in accordance with JPMorgan Chase
Bank's fingerprinting policy and to have my photograph taken and that law
enforcement agencies, including the FBI, will be contacted. I also agree that I
will be subject to a drug test in connection with my assignment with JPMorgan
Chase Bank. I further understand and agree that I am obligated to update any
information provided on this Statement.

                                       75

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

11. I understand that conversations on JPMorgan Chase Bank's telephone lines may
be monitored by or on behalf of JPMorgan Chase Bank, and, from time to time,
such telephone conversations will be recorded by or on behalf of JPMorgan Chase
Bank. Voicemail and computer usage (including, but not limited to, e-mail and
internet usage) may also be monitored by or on behalf of JPMorgan Chase Bank as
well. Personal telephone conversations conducted during such monitoring and/or
recording are also subject to such monitoring and/or recording until such time
as JPMorgan Chase Bank can determine the non-business nature of the call.
JPMorgan Chase Bank reserves the right to use the recordings and information
obtained from them in any manner permitted by law.

12. I understand and agree to the terms of this Statement and certify that the
statements made in this Statement are true and correct to the best of my
knowledge and I understand and agree that any misstatement or omission of fact
or failure to properly update this information will result in termination of
provision of services at JPMorgan Chase Bank.

Signature:
           --------------------------
Print Name:
            -------------------------
Home Address:
              -----------------------

-------------------------------------
Home Phone:
            -------------------------
Date:
      -------------------------------

                                       76

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                           MASTER AGREEMENT EXHIBIT D

                  CONFIDENTIALITY AND NON-DISCLOSURE AGREEMENT

I, __________________, understand that ________________ ("Contractor") may
assign me to perform services for JPMorgan Chase Bank, or a parent corporation,
affiliate or subsidiary thereof (hereafter collectively, "JPMorgan Chase"),
which placement will require the strictest confidence and sensitivity. In
consideration of my employment by Contractor and, as a term of that employment,
I agree:

1. I have been advised by Contractor that the services Contractor may assign me
to perform for JPMorgan Chase will involve documents, data and information of a
highly sensitive, confidential and proprietary nature or which may constitute
trade secrets ("Confidential Information"). This Confidential Information is
described and defined in Appendix 1 attached to this Agreement and includes any
copies or extracts of such information (in any form).

2. I assure Contractor that I shall, at all times while providing services at
JPMorgan Chase, hold in confidence all Confidential Information which I have
access to, learn, observe or obtain during my assignments. I shall not disclose,
remove, copy or utilize (or permit to be disclosed, removed, copied or utilized)
in any form any such Confidential Information unless I am expressly authorized
in writing by a representative of JPMorgan Chase. I further agree that I will
promptly advise Contractor and JPMorgan Chase of any unauthorized use, removal,
copy or disclosure of Confidential Information by anyone, including myself.

3. If I cease to provide services to JPMorgan Chase for any reason or at any
time upon JPMorgan Chase's request, I will immediately return to JPMorgan Chase
all Confidential Information in my possession or control. If I become legally
compelled by an order of a court or governmental agency to disclose any
Confidential Information, I will provide JPMorgan Chase with prompt written
notice to JPMorgan Chase Bank, c/o J.P. Morgan Chase & Co., Legal Department,
One Chase Manhattan Plaza, 26th Floor, New York, NY 10081, Attn: Philip A.
Goldstein, Counsel; Facsimile: (212) 552-4723; Telephone: (212) 552-1630, and
_________________________________ [INSERT VENDOR CONTACT INFORMATION] so that
JPMorgan Chase and Contractor may assert whatever interest either or both have
in the information prior to disclosure by me.

4. I understand that if I disclose, copy, remove or misuse any Confidential
Information in violation of this Agreement and threaten or cause damage to
Contractor or JPMorgan Chase, I will be responsible to and will indemnify
Contractor and JPMorgan Chase.

5. I also recognize that indemnification and money are not adequate to
compensate for a breach or threatened breach of this Agreement and would cause
irreparable injury to JPMorgan Chase. I, therefore, agree that even without
proving monetary damages, that Contractor and its client, JPMorgan Chase, are
entitled to temporary and permanent injunctive relief against such breaches.
Such permanent or temporary injunctive relief will not limit any other remedies
which may result from the breach or threatened breach of the promises I am
making in this Agreement.

6. I will not use JPMorgan Chase's name without JPMorgan Chase's prior written
consent. I also agree not to use any material obtained or prepared in connection
with my placement at JPMorgan Chase for any purpose not related to JPMorgan
Chase's business(es).

7. I agree that during the period of my provision of services at JPMorgan Chase
and for a period of two (2) years after that, I will not -- either for myself or
any other person or entity -directly or indirectly, solicit, lure away (or
attempt to solicit or lure away) any JPMorgan Chase customers who were serviced
by me or whose names became known to me while I was providing services at
JPMorgan Chase.

8. Neither this Agreement nor my obligations under this Agreement may be
assigned to any other party.

                                       77

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

9. This Agreement contains the entire understanding of the parties hereto with
regard to the subject matter contained herein or therein, and supersedes all
other prior agreements, understandings or letters of intent between the parties
hereto whether written or oral. This Agreement shall not be amended, modified or
supplemented except by a written instrument signed by an authorized
representative of each of the parties hereto.

10. This Agreement shall be governed by and construed in accordance with the law
of the State of New York without regard to conflict of laws. I agree that all
actions arising hereunder shall be brought in the courts of the State of New
York sitting in New York County. I expressly consent to the jurisdiction of New
York courts and waive my right to trial by jury with respect to this Agreement.

11. This Agreement shall survive my employment relationship with Contractor.

Signature:
           --------------------------
Print Name:
            -------------------------
Home Address:
              -----------------------

-------------------------------------
Home Phone:
            -------------------------
Date:
      -------------------------------

                                       78

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                    APPENDIX 1 TO MASTER AGREEMENT EXHIBIT D

                     DEFINITION OF CONFIDENTIAL INFORMATION

     Confidential, trade secrets or proprietary information (hereinafter
collectively, "Confidential Information") shall include any information of
JPMorgan Chase Bank and its parent, J.P. Morgan Chase & Co., and any present or
future direct or indirect affiliates or subsidiaries of such entities
(hereinafter collectively, "JPMorgan Chase") not generally known to the public.
Confidential Information includes, without limitation, any trade secrets or
proprietary information concerning JPMorgan Chase, its sales, personnel or
accounting procedures, accounts, operations, devices, techniques, methods,
business plans, software, software codes, data processing programs, data bases,
models, secret processes, products, capacities, systems, security practices,
research, development, machines and adoption thereto, inventions, research
projects and other means used by JPMorgan Chase in the provision of Service(s)
to customers and in the conduct of business, whether developed, acquired or
compiled by JPMorgan Chase, whether tangible, recorded or otherwise, and without
regard to the form of recordation or the state of completion.

     Confidential Information further includes information concerning customers
and prospective customers of JPMorgan Chase, and the affairs and business
activities of JPMorgan Chase and/or its customers. This includes trade secrets
and proprietary information concerning accounts, financial standing, investment
holdings and other personal financial data compiled by JPMorgan Chase and/or
provided by customers, specific financial needs and requirements with respect to
investments, financial position and standing, leads, referrals and references to
customers, holding book or customer book pages, assets and obligations carried
in accounts of customers, and all records and documents concerning the business
and affairs of JPMorgan Chase and/or customers whether developed, compiled or
acquired by JPMorgan Chase, whether tangible, recorded or otherwise, and without
regard to the form of recordation or the state of completion.

     Confidential Information also includes the identity of and any and all
confidential or proprietary information or data belonging to or concerning any
JPMorgan Chase customers and any third parties which is in the possession,
custody or control of JPMorgan Chase.

     Confidential Information further includes any idea or concept whether or
not it has been reduced to tangible form, and any and all work compiled,
acquired or produced by assignment personnel in connection with their assignment
to JPMorgan Chase. Confidential Information shall not include any information
which is presently in the possession and control of assignment personnel
independent of their relationship with JPMorgan Chase, or which became known to
such assignment personnel independent of their assignment at JPMorgan Chase or
which was developed by the assignment personnel and was not based upon or
derived from Confidential Information of JPMorgan Chase.

                                       79

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                           MASTER AGREEMENT EXHIBIT E

     STATEMENT OF JPMC DOMESTIC FINGERPRINTING POLICY FOR CONTINGENT WORKER
                          PROVIDERS/SERVICING AGENCIES

     Contractor's Personnel assigned to work on JPMorgan Chase premises must be
fingerprinted no later than the first day of their assignment and such results
must be in compliance with the Financial Institutions Reform Recovery and
Enforcement Act (FIRREA) and the JPMorgan Chase Requirements in order to remain
on assignment at JPMorgan Chase. If more than six (6) months have elapsed since
the completion of a prior assignment, Contractor's Personnel must be
re-fingerprinted when the next assignment begins. It is Contractor's
responsibility to notify the applicable JPMorgan Chase business areas when any
of Contractor's Personnel are assigned to JPMorgan Chase premises and must do so
on or before the first date of assignment.

     Contractor's Personnel assigned to work off JPMorgan Chase premises, but
who have access to JPMorgan Chase's systems, data or certain intellectual
property/confidential material, will be subject to fingerprinting at the
discretion of the applicable JPMorgan Chase business areas. Contractor must
notify the applicable JPMorgan Chase business areas when any of Contractor's
Personnel have such access, and must do so upon the date of such access.

     Fingerprinting will be conducted by JPMorgan Chase or a JPMorgan Chase
designee and the results will be returned to JPMorgan Chase. Information from
fingerprinting results will not be disclosed to Contractor.

     In evaluating results (or background reports, as appropriate), JPMorgan
Chase may require access to the portion of the Pre-JPMorgan Chase Assignment
Statement which contains inquiries concerning unresolved arrests and conviction
records, and Contractor will make this limited information available to JPMorgan
Chase.

     It is the responsibility of Contractor to warrant that each person who is
subject to fingerprinting under this policy timely submit to fingerprinting at a
JPMorgan Chase facility or such other facility designated by JPMorgan Chase, all
in accordance with JPMorgan Chase policies (where permitted by applicable laws
and regulations).

     Compliance with the procedures set forth above shall not relieve Contractor
of its obligation to review its personnel or subcontractors' personnel
applications and Pre-JPMorgan Chase Assignment Statements, or of its obligation
regarding the selection, placement and supervision of Contractor's Personnel.

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                           MASTER AGREEMENT EXHIBIT F

      STATEMENT OF JPMC DOMESTIC DRUG TESTING POLICY FOR CONTINGENT WORKER
                          PROVIDERS/SERVICING AGENCIES

     In general, Contractor's Personnel assigned to work on JPMorgan Chase
premises are required to take a drug screening test no later than the first day
of their assignment and must pass in order to remain on assignment at JPMorgan
Chase. However, Contractor must warrant that no member of Contractor's Personnel
will be assigned to JPMorgan Chase that have not successfully passed a drug test
within thirty (30) days prior to their start date. If more than six (6) months
have elapsed since the completion of a prior assignment, Contractor's Personnel
must be re-drug tested when the next assignment begins. It is Contractor's
responsibility to notify the applicable JPMorgan Chase business areas when any
of Contractor's Personnel are assigned to JPMorgan Chase premises and must do so
on or before the first date of assignment.

     Contractor's Personnel assigned to work off JPMorgan Chase premises, but
who have access to JPMorgan Chase's systems, data or certain intellectual
property/confidential material, will be subject to drug testing at the
discretion of the applicable JPMorgan Chase business areas. Contractor must
notify the applicable JPMorgan Chase business areas when any of Contractor's
Personnel have such access, and must do so upon the date of such access.

     Drug testing will be conducted by Contractor at Contractor's expense.
JPMorgan Chase, at its discretion, has the right to audit Contractor's drug test
records and procedures pertaining to those members of Contractor's Personnel
assigned to JPMorgan Chase.

     It is the responsibility of Contractor to warrant that it will use a drug
test laboratory that is Substance Abuse Mental Health Service Administration
(SAMHSA) certified and will conform to the minimum JPMorgan Chase Health
Services Drug Testing Standards, a current copy of which is attached to hereto
as Appendix 1.

     During Contractor's Personnel's assignment with JPMorgan Chase, if there is
reason to believe that their work is being impaired by a substance abuse
problem, Contractor may be required to have such member of Contractor's
Personnel undergo a drug screening test in order to remain on such assignment.
Under certain circumstances, Contractor's Personnel may also be asked to take a
random test for drugs or alcohol if they perform a job that could affect the
safety of themselves or others. If Contractor's Personnel refuse to cooperate in
a drug screening test, they may be subject to immediate removal from their
assignment.

     Contractor must notify Contractor's Personnel that if they are convicted of
any drug-related crime, they must immediately notify their provider, who in turn
must immediately notify JPMorgan Chase, and such member of Contractor's
Personnel will no longer be eligible for such assignment. If such member of
Contractor's Personnel fails to so notify their provider, corrective action may
include immediate removal from their assignment.

     Compliance with the procedures set forth above shall not relieve Contractor
of its obligation to review its personnel or subcontractors' personnel
applications and Pre-JPMorgan Chase Assignment Statements, or of its obligation
regarding the selection, placement and supervision of Contractor's Personnel.

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                    APPENDIX 1 TO MASTER AGREEMENT EXHIBIT F

                   JPMC HEALTH SERVICES DRUG TESTING STANDARDS

     Testing must be performed at a Substance Abuse Mental Health Service
Administration (SAMHSA) certified laboratory.

     The urine specimen must be collected via the Chain of Custody (COC)
Protocol.

     The urine specimen must be tested for the following 5 substances:

          Amphetamines
          Cannabinoid
          Cocaine
          Opiates
          Phencyclidine (PCP)

     If the preliminary screening is a positive result, a confirmation test -
Gas Chromatography/Mass Spectroscopy (GC/MS) - must be performed.

     All positive results must be reviewed by a Medical Review Officer (MRO).

     If you have any questions, regarding this standard, please contact Maureen
Butler at 212-2704777.

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                           MASTER AGREEMENT EXHIBIT G

                                      FEES

[*******************************************************************************
********************************************************************************
*******************************************************************************]

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TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                           MASTER AGREEMENT EXHIBIT H

                         EUROPEAN UNION PRIVACY ADDENDUM

1. In respect of Personal Data relating to individuals located within, or
derived from, the European Union that is processed by Supplier pursuant to this
Agreement, Supplier shall at all times act as a data processor in respect of
such Personal Data.

2. Upon JPMC's request, Supplier shall promptly execute:

     a. the clauses set out in Schedule 1 in respect of Supplier's processing of
Personal Data on behalf of JPMC relating to individuals located within, or
derived from, the following jurisdictions: Belgium, Czech Republic, France,
Germany, Italy, Netherlands, Poland, Portugal and Spain; and

     b. the Clauses set out in Schedule 2 in respect of Supplier's processing of
Personal Data on behalf of JPMC from the following jurisdictions: UK and
Ireland.

3. The provisions of this Exhibit H and the clauses executed by Supplier and
JPMC pursuant to this Exhibit H shall override and have precedence over any
contrary provisions in this Agreement. Unless it is expressly indicated
otherwise in a Task Order, the provisions of this Exhibit H shall apply to each
Task Order.

4. For the purposes of this Exhibit H, the terms "Personal Data", "data
processor", "special categories of data" and "processing" shall have the same
meanings as are given to those terms in EU Directive 95/46/EEC on the protection
of individuals with regard to the processing of personal data and the free
movement of such data, and "process" shall be interpreted accordingly.

                                       84
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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                    SCHEDULE 1 TO MASTER AGREEMENT EXHIBIT H

              CONTROLLER TO PROCESSOR STANDARD CONTRACTUAL CLAUSES

             FOR USE EVERYWHERE EXCEPT IN RELATION TO UK AND IRELAND

     For the purposes of Article 26(2) of Directive 95/46/EC for the transfer of
personal data to processors established in third countries which do not ensure
an adequate level of data protection

Name of the data exporting organisation: JPMorgan Chase Bank
address: 270 Park Avenue, New York 10017, USA
tel.: _______________; fax: _____________________; e-mail: _____________________

Other information needed to identify the organization

________________________________________________________________________________
                              (the "DATA EXPORTER")

and

               a)   NAME OF THE DATA IMPORTING ORGANISATION: [SERVICE PROVIDER],
                    ____________________________________________________________

               b)   ADDRESS
                    ____________________________________________________________

                    ____________________________________________________________

tel.: _______________; fax: _____________________; e-mail: _____________________

              Other information needed to identify the organization

________________________________________________________________________________
                              (the "DATA EXPORTER")

     HAVE AGREED on the following Contractual Clauses (the "Clauses") in order
to adduce adequate safeguards with respect to the protection of privacy and
fundamental rights and freedoms of individuals for the transfer by the exporter
to the data importer of the personal data specified in Appendix 1.

1.   DEFINITIONS

     For the purposes of the Clauses:

     "PERSONAL DATA", "SPECIAL CATEGORIES OF DATA", "PROCESS/PROCESSING",
     "CONTROLLER", "PROCESSOR", "DATA SUBJECT" and "SUPERVISORY AUTHORITY" shall
     have the same meaning as in Directive 95/46/EC of the European Parliament
     and of the Council of 24 October 1995 on the protection of individuals with
     regard to the processing of personal data and on the free movement of such
     data (the "DIRECTIVE") the "DATA EXPORTER" shall mean the controller who
     transfers the personal data;

                                       85

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

     the "DATA IMPORTER" shall mean the processor who agrees to receive from the
     data exporter personal data intended for processing on his behalf after the
     transfer in accordance with his instructions and the terms of these Clauses
     and who is not subject to a third country's system ensuring to adequate
     protection;

     the "APPLICABLE DATA PROTECTION LAW" shall mean the legislation protecting
     the fundamental rights and freedoms of natural persons and, in particular,
     their right to privacy with respect to the processing of personal data
     applicable to a data controller in the Member Jurisdiction in which the
     data exporter is established;

     "TECHNICAL AND ORGANISATIONAL SECURITY MEASURES" shall mean those measures
     aimed at protecting personal data against accidental or unlawful
     destruction or accidental loss, alteration, unauthorised disclosure or
     access, in particular where the processing involves the transmission of
     data over a network, and against all other unlawful forms of processing.

2.   DETAILS OF TRANSFER

     The details of the transfer and in particular the special categories of
     personal data where applicable are specified in Appendix 1 which forms an
     integral part of the Clauses.

3.   THIRD-PARTY BENEFICIARY CLAUSE

     The data subject can enforce against the data exporter this Clause, Clause
     4(b) to (h), Clause 5(a) to (e), and (g), Clause 6.1 and 6.2, Clause 7,
     Clause 8.2 and Clauses 9, 10 and 11, as third-party beneficiaries.

     The data subject can enforce against the data importer this Clause, Clauses
     5(a) to (e) and (g), Clause 6.1 and 6.2, Clause 7, Clause 8.2, and Clauses
     9, 10 and 11, in cases where the data exporter has factually disappeared or
     has ceased to exist in law.

     The parties do not object to a data subject being represented by an
     association or other body if the data subject so expressly wishes and if
     permitted by national law.

4.   OBLIGATIONS OF THE DATA EXPORTER

     The data exporter agrees and warrants:

          (a)  that the processing, including the transfer itself, of the
               personal data has been and will continue to be carried out in
               accordance with the relevant provisions of the applicable data
               protection law (and, where applicable, has been notified to the
               relevant authorities of the Member Jurisdiction where the data
               exporter is established) and does not violate the relevant
               provisions of that Jurisdiction;

          (b)  that he has instructed and throughout the duration of the
               personal data processing services will instruct the data importer
               to process the personal data transferred only on the data
               exporter's behalf and in accordance with the applicable data
               protection law and these clauses;

          (c)  that the data importer shall provide sufficient guarantees in
               respect of the technical and organisational security measures
               specified in Appendix 2 to this contract;

                                       86

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          (d)  that after assessment of the requirements of the applicable data
               protection law, the security measures are appropriate to protect
               personal data against accidental or unlawful destruction or
               accidental loss, alteration, unauthorised disclosure or access,
               in particular where the processing involves the transmission of
               data over a network, and against all other unlawful forms of
               processing, and that these measures ensure a level of security
               appropriate to the risks presented by the processing and the
               nature of the data to be protected having regard to the state of
               the art and the cost of their implementation;

          (e)  that he will ensure compliance with the security measures;

          (f)  that, if the transfer involves special categories of data, the
               data subject has been informed or will be informed before, or a
               soon as possible after, the transfer that his data could be
               transmitted to a third country not providing adequate protection;

          (g)  that he agrees to forward the notification received from the data
               importer pursuant to Clause 5(b) to the data protection
               supervisory authority if he decides to continue the transfer or
               to lift his suspension;

          (h)  to make available to the data subject upon request a copy of the
               Clauses set out in this Annex, with the exception of Appendix 2
               which shall be replaced by a summary description of the security
               measures.

5.   OBLIGATIONS OF THE DATA IMPORTER

     The data importer agrees and warrants:

          (a)  to process the personal data only on behalf of the data exporter
               and in compliance with his instructions and the clauses; if he
               cannot provide such compliance for whatever reasons, he agrees to
               inform promptly the data exporter of his inability to comply, in
               which case the data exporter is entitled to suspend the transfer
               of data and/or terminate the contract;

          (b)  that he has no reason to believe that the legislation applicable
               to him prevents him from fulfilling the instructions received
               from the data exporter and his obligations under the contract and
               that in the event of a change in this legislation which is likely
               to have a substantial adverse effect on the warranties and
               obligations provided by the Clauses, he will promptly notify the
               change to the data exporter as soon as he is aware, in which case
               the data exporter is entitled to suspend the transfer of data
               and/or terminate the contract;

          (c)  that he has implemented the technical and organisational security
               measures specified in Appendix 2 before processing the personal
               data transferred;

          (d)  that he shall promptly notify the data exporter about:

               (i)  any legally binding request for disclosure of the personal
                    data by a law enforcement authority unless otherwise
                    prohibited, such as a prohibition under criminal law to
                    preserve the confidentiality of a law enforcement
                    investigation;

                                       87

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               (ii) any accidental or unauthorised access; and

               (iii) any request received directly from the data subjects
                    without responding to that request, unless he has been
                    otherwise authorised to do so;

          (e)  to deal promptly and properly with all inquiries from the data
               exporter relating to his processing of the personal data subject
               to the transfer and to abide by the advice of the supervisory
               authority with regard to the processing of the data transferred;

          (f)  at the request of the data exporter to submit his data processing
               facilities for audit of the processing activities covered by the
               clauses which shall be carried out by the data exporter or an
               inspection body composed of independent members and in possession
               of the required professional qualifications bound by a duty of
               confidentiality, selected by the data exporter, where applicable,
               in agreement with the supervisory authority;

          (g)  to make available to the data subject upon request a copy of the
               Clauses set out in this Annex, with the exception of Appendix 2
               which shall be replaced by a summary description of the security
               measures in those cases where the data subject is unable to
               obtain a copy of the data exporter.

6.   LIABILITY

     6.1  he parties agree that a data subject, who has suffered damage as a
          result of any violation of the provisions referred to in Clause 3 is
          entitled to receive compensation from the data exporter for the damage
          suffered.

     6.2  If a data subject is not to bring the action referred to in paragraph
          6.1 arising out of a breach by the data importer of any of his
          obligations referred to in Clause 3 against the data exporter because
          the data exporter has disappeared factually or has ceased to exist in
          law or became insolvent, the data importer agrees that the data
          subject may issue a claim against the data importer as if he were the
          data exporter.

     6.3  The parties agree that if one party is held liable for a violation of
          the clauses committed by the other party, the latter will, to the
          extent to which it is liable, indemnify the first party for any cost,
          charge, damages, expenses or loss it has incurred. Indemnification is
          contingent upon:

          (a)  the data exporter promptly notifying the data importer of a
               claim; and

          (b)  the data importer being given the possibility to cooperate with
               the data exporter in the defence and settlement of the claim.

7.   MEDIATION AND JURISDICTION

     7.1  The data importer agrees that if the data subject invokes against him
          third-party beneficiary rights and/or claims compensation for damages
          under the Clauses, the data importer will accept the decision of the
          data subject:

                                       88

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
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          (a)  to refer the dispute to mediation, by an independent person or,
               where applicable, by the supervisory authority;

          (b)  to refer the dispute to the courts in the Member Jurisdiction in
               which the data exporter is established.

     7.2  The data importer agrees that, by agreement with the data subject, the
          resolution of a specific dispute can be referred to an arbitration
          body if the data importer is established in a country which has
          ratified the New York Convention on enforcement of arbitration awards.

     7.3  The parties agree that the choice made by the data subject will not
          prejudice his substantive or procedural rights to seek remedies in
          accordance with other provisions of national or international law.

8.   COOPERATION WITH SUPERVISORY AUTHORITIES

     8.1  The data exporter agrees to deposit a copy of this contract with the
          supervisory authority if it so requests or if such deposit is required
          under the applicable data protection law.

     8.2  The parties agree that the supervisory authority has the right to
          conduct an audit of the data importer which has the same scope and is
          subject to the same conditions as would apply to an audit of the data
          exporter under the applicable data protection law.

9.   GOVERNING LAW

     The Clauses shall be governed by the law of the Member Jurisdiction in
     which the data exporter is established, namely Belgium, Czech Republic,
     France, Germany, Italy, Netherlands, Poland, Portugal or Spain as
     applicable.

10.  VARIATION OF THE CONTRACT

     The parties undertake not to vary or modify the terms of the Clauses.

11.  OBLIGATION AFTER THE TERMINATION OF PERSONAL DATA PROCESSING SERVICES

     11.1 The parties agree that on the termination of the provision of data
          processing services, the data importer shall, at the choice of the
          data exporter, return all the personal data transferred and the copies
          thereof to the data exporter or shall destroy all the personal data
          and certify to the data exporter that he has done so, unless
          legislation imposed upon the data importer prevents him from returning
          or destroying all or part of the personal data transferred. In that
          case, the data importer warrants that he will guarantee the
          confidentiality of the personal data transferred and will not actively
          process the personal data transferred anymore.

     11.2 The data importer warrants that upon request of the data exporter
          and/or of the supervisory authority, he will submit his data
          processing facilities for an audit of the measures referred to in
          paragraph 11.1.

                                       89

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TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

ON BEHALF OF THE DATA EXPORTER:
Name (written out in full): ____________________________________________________
Position: ______________________________________________________________________
Address: _______________________________________________________________________
Other information necessary in order for the contract to be binding (if any):
________________________________________________________________________________

                                        ----------------------------------------
                                        Signature

(stamp of organisation)

ON BEHALF OF THE DATA IMPORTER:
Name (written out in full): ____________________________________________________
Position: ______________________________________________________________________
Address: _______________________________________________________________________
Other information necessary in order for the contract to be binding (if any):
________________________________________________________________________________

                                        ----------------------------------------
                                        Signature

(stamp of-organisation)

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                                   APPENDIX 1

                       TO THE STANDARD CONTRACTUAL CLAUSES

THIS APPENDIX FORMS PART OF THE CLAUSES AND MUST BE COMPLETED AND SIGNED BY THE
PARTIES

*    The Member Jurisdictions may complete or specify, according to their
     national procedures, any additional necessary information to be contained
     in this Appendix.

DATA EXPORTER

The data exporter is (please specify briefly your activities relevant to the
transfer):

A global financial services provider ___________________________________________

________________________________________________________________________________

________________________________________________________________________________

DATA IMPORTER

The data importer is (please specify briefly activities relevant to the
transfer):

A global information technology services provider ______________________________

________________________________________________________________________________

________________________________________________________________________________

DATA SUBJECTS

The personal data transferred concern the following categories of data subjects
(please specify):

The data transferred may involve all categories of data subjects of the Data
Exporter including, without limitation.

________________________________________________________________________________

-    Current, past, potential employees, trainees, voluntary workers

-    Current, past, potential employees of associated companies, organisations

-    Current, past, potential employees of other organisations

-    Current, past, potential recipients, customers, counter parties or clients
     for goods or services (direct or indirect)

-    Current, past, potential suppliers of goods or services (direct or
     indirect)

-    Current, past, potential contacts at correspondent banks and other
     associated financial institutions

-    Current, past, potential directors, other senior officers

-    Current, past, potential business or other contacts

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TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

-    Current, past, potential advisors, consultants, professional and other
     experts

-    Current, past, potential correspondents and enquirers

-    Current, past, potential elected representatives, other holders of public
     office

-    Current, past, potential survey respondents, other persons assisting
     research

-    Current, past, potential claimants, beneficiaries, payees

-    Relatives of all of the above.

CATEGORIES OF DATA

The personal data transferred concern the following categories of data (please
specify):

The personal data may fall within any of the categories of data transferred from
the Data Exporter to the Data Importer which is derived from France, Spain,
Italy, Belgium, the Netherlands, Germany, Portugal, Poland and/or Czech
Republic, including without limitation

CURRENT, PAST & POTENTIAL CLIENTS, COUNTERPARTIES AND SUPPLIERS

-    Agreements, contracts

-    References to manual files and records

-    Personal identifiers

-    Details of accounts and transactions

-    Financial identifiers

-    Identifiers issued by public bodies

-    Personal details

-    Goods, services provided to the Data Subject

-    Goods, services obtained from the Data Subject

-    Other contracts with Data Subject (not being goods or services)

-    Business activities of the Data Subject

-    Creditworthiness

HUMAN RESOURCES INFORMATION

-    Work management details

-    Performance assessment and appraisal information

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

-    Court Orders and records regarding wage garnishment, child support
     agreements and equivalent

-    Training record

-    Security details

-    Pension details

-    Compensation, credit history and taxation details

-    Recruitment details

-    Personal details (including date of birth)

-    Career history

-    Termination details

-    Current marriage or partnership details

-    Academic record

-    Qualifications and skills

-    Membership of professional bodies

-    Professional expertise

-    Membership of committees

-    Current employment status

-    Financial transactions

-    Insurance details

-    Publications

-    Internal compliance information

-    Career management, budget and compensation planning

SPECIAL CATEGORIES OF DATA (IF APPROPRIATE)

The personal data transferred concern the following special categories of data
(please specify):

All categories of sensitive data transferred from the Data Exporter to the Data
Importer, including without limitation:

Disabilities, infirmities

Political affiliations

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

Health and sickness

Health and safety

Ethnicity

Dietary requirements

Criminal convictions and arrests

and such other special categories of data as data subjects may from time to time
volunteer to JPMorgan Chase.

PROCESSING OPERATIONS

The personal data transferred will be subject to the following basic processing
activities (please specify):

-    Incidental access during the provision of information technology services
     by the data importer

-    Storage or transport of data on equipment used by the data importer

-    Provision of business services of an advisory, consulting or intermediary
     nature in relation to best practice and benchmarking services

DATA EXPORTER                           DATA IMPORTER

Name:
      --------------------------------------------------------------------------

Authorised signature:
                      ----------------------------------------------------------

                                       94

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TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                                   APPENDIX 2

                       TO THE STANDARD CONTRACTUAL CLAUSES

THIS APPENDIX FORMS PART OF THE CLAUSES AND MUST BE COMPLETED AND SIGNED BY THE
                                     PARTIES

Description of the technical and organisational security measures implemented by
the data importer in accordance with Clauses 4(d) and 5(c) (or
document/legislation attached):

Those measures set out in JPMorgan Chase's security policies in force from time
to time.

                                       95
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                    SCHEDULE 2 TO MASTER AGREEMENT EXHIBIT H
               CONTROLLER TO PROCESSOR BESPOKE CONTRACTUAL CLAUSES
                      FOR USE IN RELATION TO UK AND IRELAND

For the purposes of Article 26(2) of Directive 95/46/EC for the transfer of
personal data to processors established in third countries which do not ensure
an adequate level of data protection

Name of the data exporting organisation: JPMORGAN CHASE BANK
address: 270 Park Avenue, New York 10017, USA
tel.: ___________________; fax: ___________________; e-mail: ___________________

Other information needed to identify the organization

________________________________________________________________________________
                              (the "DATA EXPORTER")

and

NAME OF THE DATA IMPORTING ORGANISATION: [SERVICE PROVIDER], ___________________

ADDRESS
________________________________________________________________________________
________________________________________________________________________________
tel.: ___________________; fax: ___________________; e-mail: ___________________

Other information needed to identify the organization

________________________________________________________________________________
                              (the "DATA IMPORTER")

     HAVE AGREED on the following Contractual Clauses (the "Clauses") in order
to adduce adequate safeguards with respect to the protection of privacy and
fundamental rights and freedoms of individuals for the transfer by the exporter
to the data importer of the personal data specified in Appendix 1.

1    DEFINITIONS

     For the purposes of the Clauses:

     "PERSONAL DATA", "SPECIAL CATEGORIES OF DATA", "PROCESS/PROCESSING",
     "CONTROLLER", "PROCESSOR", "DATA SUBJECT" and "SUPERVISORY AUTHORITY" shall
     have the same meaning as in Directive 95/46/EC of the European Parliament
     and of the Council of 24 October 1995 on the protection of individuals with
     regard to the processing of personal data and on the free movement of such
     data (the "DIRECTIVE")

     the "DATA EXPORTER" shall mean the controller who transfers the personal
     data;

     the "DATA IMPORTER" shall mean the processor who agrees to receive from the
     data exporter personal data intended for processing on his behalf after the
     transfer in accordance with his instructions and the terms of these Clauses
     and who is not subject to a third country's system ensuring to adequate
     protection;

                                       96

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

     the "APPLICABLE DATA PROTECTION LAW" shall mean the legislation protecting
     the fundamental rights and freedoms of natural persons and, in particular,
     their right to privacy with respect to the processing of personal data
     applicable to a data controller in the Member Jurisdiction in which the
     data exporter is established;

     "TECHNICAL AND ORGANISATIONAL SECURITY MEASURES" shall mean those measures
     aimed at protecting personal data against accidental or unlawful
     destruction or accidental loss, alteration, unauthorised disclosure or
     access, in particular where the processing involves the transmission of
     data over a network, and against all other unlawful forms of processing.

2.   DETAILS OF TRANSFER

     The details of the transfer and in particular the special categories of
     personal data where applicable are specified in Appendix 1 which forms an
     integral part of the Clauses.

3.   THIRD-PARTY BENEFICIARY CLAUSE

     The data subject can enforce against the data exporter this Clause, Clause
     4(b) to (h), Clause 5(a) to (e), and (g), Clause 6.1 and 6.2, Clause 7,
     Clause 8.2 and Clauses 9, 10 and 11, as third-party beneficiaries.

     The data subject can enforce against the data importer this Clause, Clauses
     5(a) to (e) and (g), Clause 6.1 and 6.2, Clause 7, Clause 8.2, and Clauses
     9, 10 and 11, in cases where the data exporter has factually disappeared or
     has ceased to exist in law.

     The parties do not object to a data subject being represented by an
     association or other body if the data subject so expressly wishes and if
     permitted by national law.

4.   OBLIGATIONS OF THE DATA EXPORTER

     The data exporter agrees and warrants:

          (a)  that the processing, including the transfer itself, of the
               personal data has been and will continue to be carried out in
               accordance with the relevant provisions of the applicable data
               protection law (and, where applicable, has been notified to the
               relevant authorities of the Member Jurisdiction where the data
               exporter is established) and does not violate the relevant
               provisions of that Jurisdiction;

          (b)  that he has instructed and throughout the duration of the
               personal data processing services will instruct the data importer
               to process the personal data transferred only on the data
               exporter's behalf and in accordance with the applicable data
               protection law and these clauses;

          (c)  that the data importer shall provide sufficient guarantees in
               respect of the technical and organisational security measures
               specified in Appendix 2 to this contract;

          (d)  that after assessment of the requirements of the applicable data
               protection law, the security measures are appropriate to protect
               personal data against accidental or unlawful destruction or
               accidental loss, alteration, unauthorised disclosure or access,
               in particular where the processing involves the transmission of
               data over a network, and against all

                                       97

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

               other unlawful forms of processing, and that these measures
               ensure a level of security appropriate to the risks presented by
               the processing and the nature of the data to be protected having
               regard to the state of the art and the cost of their
               implementation;

          (e)  that he will ensure compliance with the security measures;

          (f)  that, if the transfer involves special categories of data, the
               data subject has been informed or will be informed before, or a
               soon as possible after, the transfer that his data could be
               transmitted to a third country not providing adequate protection;

          (g)  that he agrees to forward the notification received from the data
               importer pursuant to Clause 5(b) to the data protection
               supervisory authority if he decides to continue the transfer or
               to lift his suspension;

          (h)  to make available to the data subject upon request a copy of the
               Clauses set out in this Annex, with the exception of Appendix 2
               which shall be replaced by a summary description of the security
               measures.

5.   OBLIGATIONS OF THE DATA IMPORTER

     The data importer agrees and warrants:

          (a)  to process the personal data only on behalf of the data exporter
               and in compliance with his instructions and the clauses; if he
               cannot provide such compliance for whatever reasons, he agrees to
               inform promptly the data exporter of his inability to comply, in
               which case the data exporter is entitled to suspend the transfer
               of data and/or terminate the contract;

          (b)  that he has no reason to believe that the legislation applicable
               to him prevents him from fulfilling the instructions received
               from the data exporter and his obligations under the contract and
               that in the event of a change in this legislation which is likely
               to have a substantial adverse effect on the warranties and
               obligations provided by the Clauses, he will promptly notify the
               change to the data exporter as soon as he is aware, in which case
               the data exporter is entitled to suspend the transfer of data
               and/or terminate the contract;

          (c)  that he has implemented the technical and organisational security
               measures specified in Appendix 2 before processing the personal
               data transferred;

          (d)  that he shall promptly notify the data exporter about:

               (i)  any legally binding request for disclosure of the personal
                    data by a law enforcement authority unless otherwise
                    prohibited, such as a prohibition under criminal law to
                    preserve the confidentiality of a law enforcement
                    investigation;

               (ii) any accidental or unauthorised access; and

               (iii) any request received directly from the data subjects
                    without responding to that request, unless he has been
                    otherwise authorised to do so;

                                       98

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

          (e)  to deal promptly and properly with all inquiries from the data
               exporter relating to his processing of the personal data subject
               to the transfer and to abide by the advice of the supervisory
               authority with regard to the processing of the data transferred;

          (f)  at the request of the data exporter to submit his data processing
               facilities for audit of the processing activities covered by the
               clauses which shall be carried out by the data exporter or an
               inspection body composed of independent members and in possession
               of the required professional qualifications bound by a duty of
               confidentiality, selected by the data exporter, where applicable,
               in agreement with the supervisory authority;

          (g)  to make available to the data subject upon request a copy of the
               Clauses set out in this Annex, with the exception of Appendix 2
               which shall be replaced by a summary description of the security
               measures in those cases where the data subject is unable to
               obtain a copy of the data exporter.

6.   LIABILITY

     6.1  The parties agree that a data subject, who has suffered damage as a
          result of any violation of the provisions referred to in Clause 3 is
          entitled to receive compensation from the data exporter for the damage
          suffered.

     6.2  If a data subject is not to bring the action referred to in paragraph
          6.1 arising out of a breach by the data importer of any of his
          obligations referred to in Clause 3 against the data exporter because
          the data exporter has disappeared factually or has ceased to exist in
          law or became insolvent, the data importer agrees that the data
          subject may issue a claim against the data importer as if he were the
          data exporter.

     6.3  The parties agree that if one party is held liable for a violation of
          the clauses committed by the other party, the latter will, to the
          extent to which it is liable, indemnify the first party for any cost,
          charge, damages, expenses or loss it has incurred. Indemnification is
          contingent upon:

          (a)  the data exporter promptly notifying the data importer of a
               claim; and

          (b)  the data importer being given the possibility to cooperate with
               the data exporter in the defence and settlement of the claim.

7.   MEDIATION AND JURISDICTION

     7.1  The data importer agrees that if the data subject invokes against him
          third-party beneficiary rights and/or claims compensation for damages
          under the Clauses, the data importer will accept the decision of the
          data subject:

          (a)  to refer the dispute to non-binding mediation, by an independent
               person or, where applicable, by the supervisory authority;

          (b)  to refer the dispute either to the courts in the Member
               Jurisdiction in which the data exporter is established or the
               courts in the United Kingdom or the courts of the Member

                                       99

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

               Jurisdiction in which the data subject is resident or (where not
               resident within the EU) most closely associated for the purposes
               of his business with the Data Exporter, but these shall be the
               only courts to which a data subject may refer a dispute.

     7.2  The parties agree to consider participating in arbitration, mediation,
          or any other dispute resolution proceedings by agreement with a data
          subject if (in relation to arbitration only) that party is established
          in a country which has ratified the New York convention on enforcement
          of arbitration awards.

8.   COOPERATION WITH SUPERVISORY AUTHORITIES

     8.1  The data exporter agrees to deposit a copy of this contract with the
          supervisory authority if it so requests or if such deposit is required
          under the applicable data protection law.

     8.2  The parties agree that the supervisory authority has the right to
          conduct an audit of the data importer which has the same scope and is
          subject to the same conditions as would apply to an audit of the data
          exporter under the applicable data protection law.

9.   GOVERNING LAW

     The Clauses shall be governed by the law of one the Member Jurisdiction in
     which the data exporter is established, namely England & Wales.

10.  VARIATION OF THE CONTRACT

     The parties undertake not to vary or modify the terms of the Clauses.

11.  OBLIGATION AFTER THE TERMINATION OF PERSONAL DATA PROCESSING SERVICES

     11.1 The parties agree that on the termination of the provision of data
          processing services, the data importer shall, at the choice of the
          data exporter, return all the personal data transferred and the copies
          thereof to the data exporter or shall destroy all the personal data
          and certify to the data exporter that he has done so, unless
          legislation imposed upon the data importer prevents him from returning
          or destroying all or part of the personal data transferred. In that
          case, the data importer warrants that he will guarantee the
          confidentiality of the personal data transferred and will not actively
          process the personal data transferred anymore.

     11.2 The data importer warrants that upon request of the data exporter
          and/or of the supervisory authority, he will submit his data
          processing facilities for an audit of the measures referred to in
          paragraph 11.1.

ON BEHALF OF THE DATA EXPORTER:

Name (written out in full): ____________________________________________________
Position: ______________________________________________________________________
Address: _______________________________________________________________________
Other information necessary in order for the contract to be binding (if any):
________________________________________________________________________________

                                       100

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                                        Signature
                                                  ------------------------------

(stamp of organisation)

ON BEHALF OF THE DATA IMPORTER:

Name (written out in full): ____________________________________________________
Position: ______________________________________________________________________
Address: _______________________________________________________________________
Other information necessary in order for the contract to be binding (if any):
________________________________________________________________________________

                                        Signature
                                                  ------------------------------

(stamp of-organisation)

                                       101

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                                   APPENDIX 1

                       TO THE STANDARD CONTRACTUAL CLAUSES

THIS APPENDIX FORMS PART OF THE CLAUSES AND MUST BE COMPLETED AND SIGNED BY THE
PARTIES

*    The Member Jurisdictions may complete or specify, according to their
     national procedures, any additional necessary information to be contained
     in this Appendix.

DATA EXPORTER

The data exporter is (please specify briefly your activities relevant to the
transfer):

A global financial services provider ___________________________________________
________________________________________________________________________________
________________________________________________________________________________

DATA IMPORTER

The data importer is (please specify briefly activities relevant to the
transfer):

A global information technology services provider ______________________________
________________________________________________________________________________
________________________________________________________________________________

DATA SUBJECTS

The personal data transferred concern the following categories of data subjects
(please specify):

The data transferred may involve all categories of data subjects of the Data
Exporter including, without limitation.
________________________________________________________________________________

-    Current, past, potential employees, trainees, voluntary workers

-    Current, past, potential employees of associated companies, organisations

-    Current, past, potential employees of other organisations

-    Current, past, potential recipients, customers, counter parties or clients
     for goods or services (direct or indirect)

-    Current, past, potential suppliers of goods or services (direct or
     indirect)

-    Current, past, potential contacts at correspondent banks and other
     associated financial institutions

-    Current, past, potential directors, other senior officers

-    Current, past, potential business or other contacts

                                       102

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

-    Current, past, potential advisors, consultants, professional and other
     experts

-    Current, past, potential correspondents and enquirers

-    Current, past, potential elected representatives, other holders of public
     office

-    Current, past, potential survey respondents, other persons assisting
     research

-    Current, past, potential claimants, beneficiaries, payees

-    Relatives of all of the above.

CATEGORIES OF DATA

The personal data transferred concern the following categories of data (please
specify):

The personal data may fall within any of the categories of data transferred from
the Data Exporter to the Data Importer which is derived from the UK and/or
Ireland, including without limitation: _________________________________________

CURRENT, PAST & POTENTIAL CLIENTS, COUNTERPARTIES AND SUPPLIERS

-    Agreements, contracts

-    References to manual files and records

-    Personal identifiers

-    Details of accounts and transactions

-    Financial identifiers

-    Identifiers issued by public bodies

-    Personal details

-    Goods, services provided to the Data Subject

-    Goods, services obtained from the Data Subject

-    Other contracts with Data Subject (not being goods or services)

-    Business activities of the Data Subject

-    Creditworthiness

HUMAN RESOURCES INFORMATION

-    Work management details

-    Performance assessment and appraisal information

-    Court Orders and records regarding wage garnishment, child support
     agreements and equivalent

                                       103

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

-    Training record

-    Security details

-    Pension details

-    Compensation, credit history and taxation details

-    Recruitment details

-    Personal details (including date of birth)

-    Career history

-    Termination details

-    Current marriage or partnership details

-    Academic record

-    Qualifications and skills

-    Membership of professional bodies

-    Professional expertise

-    Membership of committees

-    Current employment status

-    Financial transactions

-    Insurance details

-    Publications

-    Internal compliance information

-    Career management, budget and compensation planning

SPECIAL CATEGORIES OF DATA (IF APPROPRIATE)

The personal data transferred concern the following special categories of data
(please specify):

All categories of sensitive data transferred from the Data Exporter to the Data
Importer, including without limitation:

Disabilities, infirmities

Political affiliations

Health and sickness

                                       104

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

Health and safety Ethnicity

Dietary requirements

Criminal convictions and arrests

and such other special categories of data as data subjects may from time to time
volunteer to JPMorgan Chase.

PROCESSING OPERATIONS

The personal data transferred will be subject to the following basic processing
activities (please specify):

-    Incidental access during the provision of information technology services
     by the data importer

-    Storage or transport of data on equipment used by the data importer

-    Provision of business services of an advisory, consulting or intermediary
     nature in relation to best practice and benchmarking services

DATA EXPORTER                          DATA IMPORTER

Name:
      --------------------------------------------------------------------------

Authorised signature:
                      ----------------------------------------------------------

                                       105

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

                                   APPENDIX 2

                       TO THE STANDARD CONTRACTUAL CLAUSES

THIS APPENDIX FORMS PART OF THE CLAUSES AND MUST BE COMPLETED AND SIGNED BY THE
PARTIES

Description of the technical and organizational security measures implemented by
the data importer in accordance with Clauses 4(d) and 5(c) (or
document/legislation attached):

Those measures set out in JP Morgan Chase's security policies in force from time
to time.

                                       106
<PAGE>
PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

JPMC Agreement No.: 70575-A1

                                 AMENDMENT NO. 1
                                       TO
                        MASTER SERVICE PROVIDER AGREEMENT
                             DATED DECEMBER 6, 2004

                           (JPMC AGREEMENT NO. 70575)

This Amendment No. 1 ("Amendment") to the Master Service Provider Agreement
dated as of DECEMBER 6, 2004 and entered into by JPMorgan Chase Bank and Virtusa
Corporation (the "Master Agreement") is made and entered into as of March 30,
2005 ("Amendment Effective Date") by JPMORGAN CHASE BANK, NATIONAL ASSOCIATION,
as successor in interest to JPMorgan Chase Bank, ("JPMC"), with an office
located at 270 Park Avenue, New York, New York 10017-2070 and Virtusa
Corporation located at 2000 West park Drive, Westborough, MA 01581 ("US
Supplier") and Virtusa India Pvt. Ltd., 3rd Floor, My Home Tycoon, Begumpet,
Hyderabad 500-016, India ("Offshore Supplier").

     WHEREAS, JPMC and US Supplier have entered into the Master Agreement, and

     WHEREAS, Offshore Supplier wishes to be a party to the Master Agreement and
hereby accepts and agrees to be bound by the terms of the Master Agreement, and

     WHEREAS, JPMC and US Supplier agree that Offshore Supplier will be a party
to the Master Agreement, and

     WHEREAS, JPMC and US Supplier now wish to amend the Master Agreement as set
forth herein.

     NOW, THEREFORE, in consideration of the foregoing premises and the
promises, terms and conditions set forth below and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereto, intending to be legally bound, agree as follows.

     1. To amend the Master Agreement as of the Amendment Effective Date as
follows:

          A. The Introductory paragraph on page 5 of the Master Agreement is
          hereby deleted in its entirety and replaced with the following:

"This Master Service Provider Agreement ("Master Agreement") dated as of
December 6, 2004 is entered into by JPMorgan Chase Bank, National Association,
("JPMC"), with an office located at 270 Park Avenue, New York, New York
10017-2070 and Virtusa Corporation located at 2000 West park Drive, Westborough,
MA 01581 ("US Supplier") and Virtusa India Pvt. Ltd., 3rd Floor, My Home Tycoon,
Begumpet, Hyderabad 500-016, India ("Offshore Supplier"). US Supplier and
Offshore Supplier are hereinafter referred to as "Supplier".

          B. Section 12.1(a) is deleted in its entirety and replaced with the
          following:

"US Supplier is a corporation, validly existing and in good standing under the
laws of Delaware. Offshore Supplier is a corporation, validly existing and in
good standing under the laws of India."

     2. Except as expressly amended herein, the Master Agreement remains in full
force and effect.

     3. Terms not defined herein shall be as defined in the Master Agreement.

                                   Page 1 of 2

<PAGE>
PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

JPMC Agreement No.: 70575-A1

     4. By executing this Amendment, the parties hereto ratify and confirm the
terms of the Master Agreement, as modified by the terms of this Amendment.

     5. This Amendment may be executed in one or more counterparts, each of
which shall for all purposes be deemed to be an original and all of which shall
constitute the same instrument.

     6. If there shall be any conflict in the terms and conditions of the Master
Agreement and the terms and conditions of this Amendment, the terms and
conditions of this Amendment shall control and be binding.

     7. All references in the Master Agreement in and/or to "this Agreement" and
words of a like nature shall be deemed to refer to the Master Agreement, as
amended and supplemented by this Amendment.

     IN WITNESS WHEREOF, JPMC and Supplier have caused duly authorized
representatives of their respective companies to execute this Amendment as of
the Amendment Effective Date.

JPMORGAN CHASE BANK,                    VIRTUSA CORPORATION
NATIONAL ASSOCIATION

By: /s/ Joseph Martinez                 By: /s/ Thomas Holler
    ---------------------------------       ------------------------------------
Printed Name: Joseph Martinez           Printed Name: Thomas Holler
Title: S.V.P.                           Title: CFO

VIRTUSA INDIA PVT. LTD.

By: /s/ Santanu Paul
    ---------------------------------
Printed Name: Santanu Paul
Title: General Manager

                                   Page 2 of 2<PAGE>

                                                                    Exhibit 10.8

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

CONTRACT NUMBER: 678650.

CONTRACT RELATING TO: PROVISION OF IT SERVICES TO BT

This CONTRACT is made this 29th day of March, 2007

BETWEEN

(1) BRITISH TELECOMMUNICATIONS PLC(registered in England and Wales under Company
Number: 1800000) whose registered office is 81 Newgate Street, London, EC1A 7AJ
("BT")

(2) Virtusa UK Limited (registered in England under Company Number 05640127
whose registered office is 1 Callaghan Square Cardiff CF10 5BT ("the Supplier")

(referred together in the Contract as "the Parties")

For the sum of L1 payable to it by BT, Supplier shall complete and deliver to BT
such work and/or equipment and/or services (as the case may be) as BT may order
from time to time within the Term in accordance with the Contract which
comprises this signed front sheet and the following appended documents:

<TABLE>
<S>  <C>
1.   DEFINITIONS
2.   SCHEDULE 1: COE GENERIC REQUIREMENTS
3    SCHEDULE 2: CONDITIONS OF CONTRACT
4    SCHEDULE 3: MODEL CLAUSES FOR DATA PROTECTION
5    SCHEDULE 4: BT SECURITY REQUIREMENTS AND POLICY
6    SCHEDULE 5: NOT APPLICABLE
7    SCHEDULE 6: IT SERVICES
8    SCHEDULE 7: NOT APPLICABLE
9    SCHEDULE 8: CHANGE CONTROL PROCESS
10   SCHEDULE 9: CONFIDENTIALITY AGREEMENT
11   SCHEDULE 10: GENERIC STANDARDS
</TABLE>

and which, in the case of conflict, shall have precedence in the order listed
unless expressly stated otherwise in the Schedule.

SIGNED for and on behalf of SUPPLIER    SIGNED for and on behalf of BT

SIGNATURE /S/ KRIS CANEKERATNE          SIGNATURE /S/ MERYL BUSHELL
          ---------------------------             ------------------------------
NAME KRIS CANEKERATNE                   NAME MERYL BUSHELL

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

<TABLE>
<CAPTION>
 POSITION                POSITION           CHIEF
IN COMPANY   DIRECTOR   IN COMPANY   PROCUREMENT OFFICER
----------   --------   ----------   -------------------
<S>          <C>        <C>          <C>

</TABLE>

INDEX

<TABLE>
<CAPTION>
                                                                           PAGES
                                                                           -----
<S>                                                                        <C>
DEFINITIONS                                                                   2

SCHEDULE 1- REQUIREMENTS                                                      6
   1. INTRODUCTION                                                            6
   2. DESCRIPTION AND SCOPE OF WORK                                           6
   3. SUPPLY RELATIONSHIP-INTENTIONALLY DELETED                               6
   4. PLACE OF WORK                                                           6
   5. ORDER OF PRECEDENCE                                                     6

SCHEDULE 2- CONDITIONS                                                        7
   1. TERM                                                                    7
   2. ORDER OF PRECEDENCE                                                     7
   3. QUALITY OF SERVICES                                                     7
   4. QUALITY REQUIREMENTS                                                    7
   5. COMPLIANCE WITH LAWS AND REGULATIONS                                    8
   6. ASSIGNMENT AND SUBCONTRACTING                                           8
   7. SUPPLIER OBLIGATIONS                                                    9
   8. SERVICE LEVELS                                                          9
   9. CONTRACT PERSONNEL                                                      9
   10. INDUCTION AND TRAINING                                                10
   11. KEY PERSONNEL                                                         10
   12. ACCESS, ASSISTANCE AND PROGRESS REPORTS                               10
   13. MISTAKES IN INFORMATION                                               11
   14. BT ITEMS AND PROPERTY                                                 11
   15. FORCE MAJEURE                                                         12
   16. SOURCING WITH HUMAN DIGNITY                                           13
   17. ENVIRONMENTAL IMPACT                                                  13
   18. ELECTRONIC TRADING                                                    14
   19. GROUP COMPANIES                                                       14
   20. BT RESTRUCTURING                                                      15
   21. REGULATORY MATTERS                                                    16
   22. EURO CONFORMANCE                                                      17
   23. CONFIDENTIALITY                                                       17
   24. BENCHMARKING                                                          19
   25. VARIATIONS                                                            19
   26. SUSPENSION OF WORK                                                    20
   27. WORK SITE AND SECURITY                                                21
</TABLE>

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

<TABLE>
<S>                                                                        <C>
   28. RISK ASSESSMENT                                                       23
   29. BT SECURITY POLICY REQUIREMENTS                                       23
   30. PROTECTION OF PERSONAL DATA                                           24
   31. TRANSFER OF UNDERTAKINGS                                              26
   32. TAX AND NATIONAL INSURANCE                                            27
   33. INTELLECTUAL PROPERTY                                                 27
   34. ESCALATION                                                            30
   35. WARRANTY                                                              31
   36. TITLE AND RISK                                                        33
   37. RIGHT TO REJECT                                                       34
   38. EXPORT                                                                34
   39. DOCUMENTATION                                                         35
   40. DELIVERY                                                              35
   41. DEFAULT/LIQUIDATED DAMAGES                                            35
   42. TOOLING                                                               36
   43. TERMINATION                                                           36
   44. TRANSITION                                                            39
   45. EXIT STRATEGY COOPERATION                                             41
   46. INDEMITY                                                              42
   47. LIMITATION OF LIABILITY                                               43
   48. INSURANCE                                                             43
   49. PUBLICITY                                                             44
   50. SOFTWARE                                                              44
   51. SOFTWARE LICENCE                                                      44
   52. ESCROW                                                                45
   53. NOTICES                                                               46
   54. PRICING                                                               46
   55. PAYMENT AND INVOICING                                                 46
   56. GENERAL                                                               46
   57. NON-ASSIGNMENT                                                        47
   58. OPERATIONAL GOVERNANCE                                                47

SCHEDULE 3 MODEL CLAUSES FOR DATA PROTECTION                                 48
   1. DEFINITIONS                                                            49
   2. DETAILS OF THE TRANSFER                                                49
   3. THIRD-PARTY BENEFICIARY CLAUSE                                         49
   4. OBLIGATIONS OF THE DATA EXPORTER                                       50
   5. OBLIGATIONS OF THE DATA IMPORTER                                       51
   6. LIABILITY                                                              52
   7. MEDIATION AND JURISDICTION                                             53
   8. COOPERATION WITH SUPERVISORY AUTHORITIES                               53
   9. GOVERNING LAW                                                          54
   10. VARIATION OF THE CONTRACT                                             54
</TABLE>

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IN CONFIDENCE

<TABLE>
<S>                                                                        <C>
   11. OBLIGATION AFTER THE TERMINATION PERSONAL DATA PROCESSING
       SERVICES                                                              54

SCHEDULE 3 APPENDIX A                                                        56

SCHEDULE 3 APPENDIX B                                                        57

SCHEDULE 4 THE BT SECURITY POLICY FOR SUPPLIER                               58
   1. DEFINITIONS                                                            58
   2. BT SECURITY REQUIREMENTS AND SUPPLIER'S OBLIGATIONS                    59
   3. ACCESS                                                                 61
   4. SECURITY REVIEW                                                        61
   5. TERMINATION                                                            62
   6. RIGHTS AFTER TERMINATIONS                                              62
   7. ACCESS TO SUPPLIER SYSTEMS                                             62
   8. BUSINESS CONTINUITY                                                    65

SCHEDULE 4 APPENDIX 1- BT SECURITY POLICY (SEE SEPARATE PDF FILE)            68

SCHEDULE 4 APPENDIX 2 - BT HUMAN RESOURCES RECRUITMENT POLICY                69
   1. SUPPLIER'S SELECTION PROCESS                                           69
   2. VETTING OF CONTRACT PERSONNEL                                          69
   3. REFERENCING                                                            71
   4. QUALITY OF CONTRACT PERSONNEL                                          72

SCHEDULE 4 APPENDIX 2 - ANNEX 1 CRIMINAL DISCLOSURE DECLARATION              73

SCHEDULE 5 INTENTIONALLY LEFT BLANK                                          74

SCHEDULE 6- IT SERVICES                                                      75
   1. SCOPE OF WORK                                                          75
   2. ORDERING PROCESS                                                       75
   3. GENERIC CONTACT PERFORMANCE REQUIREMENTS                               76
   4. MANAGEMENT INFORMATION                                                 77
   5. HOURS OF SERVICE                                                       77
   6. THIRD PARTY SOFTWARE LICENCE                                           77
   7. QUALITY REQUIREMENTS                                                   78
   8. PRICING AND PRICING ARRANGMENTS                                        78
   9. NOT USED                                                               79
   10. PRICE SATISFACTION                                                    79
   11. INTENTIONALLY DELETED                                                 79
   12. CONTINUOUS IMPROVEMENT                                                79
   13. EXIT TRANSITION CO-OPERATION                                          80
</TABLE>

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IN CONFIDENCE

<TABLE>
<S>                                                                        <C>
   14. EXIT COSTS                                                            81
   15. ACCEPTANCE                                                            82

SCHEDULE 6  APPENDIX 1 (PRICING)                                             85
   1. IT SERVICES PRICING PRINCIPLES                                         85
   2. PRICING MODELS                                                         92

SCHEDULE 6- APPENDIX 2 WORK PACKAGE                                         100
   1. DEFINITIONS                                                           100
   2. PROJECT BACKGROUND                                                    100
   3. DESCRIPTION AND SCOPE OF SERVICES                                     100
   4. DELIVERABLES AND TRAINING AND DELIVERABLES                            102
   5. BT PROVIDED ITEMS                                                     102
   6. SUPPLIER PROVIDED EQUIPMENT                                           102
   7. MAINTENANCE AND SUPPORT                                               102
   8. BT SYSTEMS                                                            102
   9. NETWORK AND IT REQUIREMENTS                                           103
   10. TIMETABLE                                                            103
   11. SITE                                                                 103
   12. ACCEPTANCE                                                           104
   13. PERSONNEL                                                            104
   14. REPORTING                                                            104
   15. CHARGES                                                              105
   16. BT OBLIGATIONS                                                       105
   17. RISKS AND ASSUMPTIONS                                                105
   18. QUALITY STANDARDS AND ASSURANCE, AND CODES OF PRACTICE               105
   19. PERFORMANCE MEASUREMENT                                              105
   20. ADDITIONAL                                                           105
   21. WORK PACKAGE PRICE                                                   105

SCHEDULE 6- APPENDIX 2 WORK PACKAGE TEMPLATE-APPENDIX  A                    106

SCHEDULE 6- APPENDIX A, ANNEX 1                                             108

SCHEDULE 7- INTENTIONALLY LEFT BLANK                                        108

SCHEDULE 8- CHANGE CONTROL PROCEDURE                                        111
   1. PRINCIPLES                                                            111
   2. PROCEDURES                                                            111

SCHEDULE 9- CONFIDENTIALITY AGREEMENT                                       113

SCHEDULE 10- GENERIC STANDARDS                                              114
</TABLE>

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IN CONFIDENCE

<TABLE>
<S>                                                                        <C>
   1. CONTACT RESPONSE                                                      114
   2. TABLE OF COMPLIANCE                                                   114
   3. EMBEDDED BT GENERIC STANDARD 11 FOR COMPLETION                        114
   4. BT GENERIC STANDARDS 13 AND 18 FOR ACCESS AND COMPLETION              114
</TABLE>

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

DEFINITIONS

In the Contract, the following expressions, where used, shall have the meanings
respectively ascribed to them:

"ACCEPTANCE" means written acknowledgement by BT that Services, or part of them,
have been completed in accordance with the Specifications, subject to any
deficiencies stated in such acknowledgement. "Accept" and "Accepted" shall be
construed accordingly;

"ACCEPTANCE TEST" means formal testing conducted to determine if the Work
satisfies the criteria for Acceptance to enable BT to Accept the Work or any
part;

"BT" means British Telecommunications plc, its successors and assigns;

"BT'S COMMERCIAL CONTACT" means such person whose identity and contact details
may be notified to the Supplier's Commercial Contact from time to time;

"BT DATA" or "BT'S DATA" means all data, information, addresses, telephone
numbers, text, drawings, diagrams, images or sound embodied in any electronic or
tangible medium, and ( i ) which are supplied or in respect of which access is
granted to the Supplier by BT pursuant to this Contract, or ( ii ) which the
Supplier is required to generate under this Contract, or ( iii ) which is
obtained by the Supplier on behalf of BT for the purposes of this Contract;

"BT GROUP COMPANY" means in relation to BT, a company which is a subsidiary or a
holding company of it, or any company which is a subsidiary of any such holding
company, 'holding company' and 'subsidiary' having the meanings ascribed to them
in section 736 Companies Act 1985 as amended;

"BT PROJECT MANAGER" means the BT operational representative the identity of who
to be advised as and when an order is placed through Work Package and/or
Purchase Order;

"BT SYSTEM" means any equipment, databases, software and any other material
owned and/or provided by the Customer which BT uses or interfaces with in order
to provide the Services;

"BT ITEMS" means all items provided by BT to the Supplier and all items held by
the Supplier which belong to BT in connection with this Contract;

"CHANGE CONTROL PROCEDURE" means the procedure under which the BT may make a
request for a change to the Contract, including a change to the Services, all as
described in Schedule 10;

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IN CONFIDENCE

"CHARGES" means the sums payable for the Services as described in Schedule 12 of
this Contract and/or within each Work Package and/or Purchase Order;

"COMMENCEMENT DATE" means April 1st, 2007;

"CONTRACT" means this Contract including the schedules and appendices attached
to it;

"CONTRACT PERSONNEL" means the Supplier's employees, subcontractors and agents
(and their employees, subcontractors and agents) engaged in the performance of
the Contract;

"CENTRES OF EXCELLENCE" means one of the domains to which the Services are
mapped into;

"CREATED INFORMATION" all Information generated in the course of or arising from
the performance of the Contract;

"CUSTOMER" means BT external customer and who receive the benefit of the
Services;

"DESIGN INFORMATION" means any Information provided by BT concerning the
purpose, manufacture, design or configuration of Services;

"EFFECTIVE DATE" means the commencement date of the applicable Work Package;

"EQUIPMENT" means all components, materials, plant, tools, test equipment,
documentation, firmware, Software, spares and parts and things comprised in
Services;

"EXTENDED TERM" means extension of the Initial Term on twelve (12) monthly
basis;

"FINANCIAL YEAR" means the period beginning April to the end of the following
March;

"FUNCTIONAL SPECIFICATION" - the Supplier's functional specification for the
Software as supplied to BT or as published by the Supplier;

"INFORMATION" means information whether in tangible or any other form,
including, without limitation, specifications, reports, data, notes,
documentation, drawings, software, computer outputs, designs, circuit diagrams,
models, patterns, samples, inventions, (whether capable of being patented or
not) and know-how, and the media (if any) upon which such information is
supplied;

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IN CONFIDENCE

"INITIAL TERM" means a period of five years, commencing on the Commencement
Date, or such longer period as provided by the Contract;

"INTELLECTUAL PROPERTY RIGHT(S)" means any patent, petty patent, trade marks,
service marks, trade names, copyright, database rights, design right, community
design right, semiconductor topography right, registered design, rights in
know-how, or any similar right in any part of the world and shall include any
applications for the registration of any patents or registered designs or
similar rights capable of registration in any part of the world;

"KEY PERFORMANCE INDICATORS" or "KPI'S" means the performance indicators which
BT shall use as a means of measuring and monitoring the performance of the
Supplier of this Contract, as may be amended by agreement in writing from time
to time;

"LIQUIDATED DAMAGES" means the liquidated damages payable to BT in the event of
a failure as set out in each Work Package or payment by BT of liquidated damages
under clause 1.7 of Schedule 6 of this Contract.

"OFF-SITE TESTS" means all tests, specified in the Contract to be carried out on
Services prior to delivery to the Site;

"OFFSHORE WORKING DAY" means 8 hours in any business day.;

"PURCHASE ORDER" means the order issued by BT to Supplier detailing the Charges,
the Equipment, the Services and any other relevant information being ordered by
BT and shall be deemed accepted when duly authorised and issued by BT under this
Contract;

"REPLACEMENT WORK" means re-allocation of the Work provided by the Supplier
under this Contract to BT or another supplier as notified by BT;

"SERVICES" means the service or where appropriate part of a service described in
this Contract and Schedule 5, 6 and 7 which include all Equipment, Information
and Work supplied to BT by Supplier;

"SERVICE LEVELS, SLAS, SERVICE LEVEL AGREEMENT" means the document attached to
the Contract in the Work Package defining the service levels applicable to the
Services;

"SITE" means location(s) or premise(s) specified by BT, upon which the Supplier
is to provide services, install and/or deliver Services or perform Work;

"SOFTWARE" means all computer programs including but not limited to all source
code and object code whether in machine readable, optically readable or any
other format comprised in Services and the media on which it is supplied;

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IN CONFIDENCE

"SPECIFICATION" any specification of Services provided by BT, and agreed to by
the Supplier in each Work Package and/or Purchase Order under this contract.

"STATEMENT OF REQUIREMENTS" means the project plan document or statement of work
issued by BT to the Supplier, and agreed to in writing by Supplier, detailing
all of the responsibilities and deliverables by Supplier to BT;

"SUBCONTRACTOR" means any person, partnership or corporation with whom the
Supplier places a contract and/or an order for the supply of any equipment,
item, service or for any work in relation to the Contract, and "Subcontract"
shall be construed accordingly;

SUPPLIER'S BACKGROUND INFORMATION" means any Information owned or controlled by
the Supplier;

"SUPPLIER'S COMMERCIAL CONTACT" such person whose identity and contact details
may be notified to BT's Commercial Contact from time to time;

"SUPPLIER'S EQUIPMENT" means all items except BT Items brought onto Site by the
Supplier in connection with, but not for incorporation in the Services, and
which have not been supplied by BT;

"SUPPLIER SYSTEM" means any equipment, databases, software and any other
material owned and/or provided by the Supplier which the Supplier uses or
interfaces with in order to provide the Services;

"SYSTEMS" means the combination of telecommunications and computer hardware,
computer software, computer peripherals and other items which the Supplier has
and/or may develop and/or supply hereunder in order to perform the Services
including the Supplier's business organisation and processes;

"TERM" means both Initial Terms and Extended Term

"UK WORKING DAY" means between the hours of 08:00 and 18:00, Monday to Friday;

"WORK" means work the Contract requires to be undertaken for BT.

"WORK PACKAGE" means a request for Services, in the form attached hereto as
Schedule 6, issued by any BT Group Company to the Supplier pursuant to which the
Supplier is to provide Services to such BT Group Company in accordance with the
specifications set forth therein if accepted by the Supplier, such acceptance to
be evidenced by a signature of the authorised representative of the Supplier.

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

SCHEDULE 1 - REQUIREMENTS

1.   INTRODUCTION

1.1  This Contract governs the relationship between the Parties for the supply
     of Services by the Supplier to BT. It is intended as a broad agreement
     between the Parties under which BT shall procure Services from the
     Supplier. Each Work shall be performed in accordance with BT's COE Generic
     Requirements and the Conditions of the Contract, including BT Generic
     Standards (hereinafter collectively referred to as "Terms and Conditions")
     and all the Schedules appended herein in this Contract.

1.2  These Schedules shall be supplemented or varied to meet the requirements of
     BT through agreed Statement of Requirements and authorised Work Packages
     and/or Purchase Order.

2    DESCRIPTION AND SCOPE OF WORK

2.1  The Supplier shall provide the following provision of Services in the
     Initial Term and Extended Term (as the case may be) in order to support the
     range of BT products and services:

2.1.1 INTENTIONALLY LEFT BLANK.

2.1.2 A range of IT Services to BT, including, but not exclusively, all or some
     of the IT Services listed below in Schedule 6 ("IT Services").

2.1.3 INTENTIONALLY LEFT BLANK

2.1.4 INTENTIONALLY LEFT BLANK

2.2  Further particulars of the Services are described in Schedule 6 herein.

3    SUPPLY RELATIONSHIP-INTENTIONALLY DELETED

4    PLACE OF WORK

Work shall be undertaken at the BT and/or Customer site and/or Supplier's Site/s
as required by BT and confirmed in the Work Package and/or Purchase Order.

5    ORDER OF PRECEDENCE

To the extent that the following documents form part of or apply to the
Contract, in the case of conflict they shall have the following order of
precedence:

1    signed Purchase Order or Work Package (as the case may be)

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IN CONFIDENCE

2    the Contract

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TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

SCHEDULE 2 - CONDITIONS OF CONTRACT

1    TERM

1.1  The Contract shall commence on the Commencement Date and shall remain in
     force for the Term ("Initial Term") unless extended or terminated in
     accordance with its provisions.

1.2  BT shall have the option to extend the Term by a further period of twelve
     (12) months each time, such option to be exercised by BT giving reasonable
     period of written notice ("Extended Term") to that effect to the Supplier's
     Commercial Contact on or before prior to the end of the initial Term or
     Extended Term (as the case may be) effective upon the prior written consent
     of Supplier. In the event the Contract is extended, BT reserves the right
     to contract on the terms and conditions in this Contract and/or by mutual
     agreement agree with the Supplier amended terms and conditions.

1.3  For the avoidance of doubt, BT shall be under no obligation to place any
     orders and/or Work under the Contract.

2    ORDER OF PRECEDENCE

For the avoidance of doubt in the event of discrepancies or conflict between the
documents comprising this Contract, the terms of these documents shall prevail
in the order shown on the signed front sheet of the Contract.

3    QUALITY OF SERVICES

3.1  Services shall comply in all material respects with the:

     (a) Specifications. The warranty for any deliverable produced by the
     Services shall be as set forth in Section 35; and

     (b) latest applicable issue from time to time of UK, European and
     International Standards and other documents referred to in the Contract.

3.2  The Supplier shall co-operate in any quality assessment required by BT from
     time to time and allow BT or its representatives access to its premises
     (and those of any Subcontractor) for this purpose.

4    QUALITY REQUIREMENTS

4.1  The Supplier shall work to a Quality Management System that meets the
     requirement of BS/ISO9000 or equivalent, such as CMMiL3 or above. A body
     approved by any of the National Accreditation Councils must issue the
     certificate, if applicable.

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IN CONFIDENCE

4.2  The Supplier will carry out and be able to supply evidence of periodic
     quality checks (at least quarterly) to ensure the consistency of delivery
     of the Services, and the provision of management information as agreed.

4.3  If the Supplier, having had at the Commencement Date a Quality Management
     System certified to comply with the requirements of BS/ISO9001 (EN 29001 or
     other equivalent) by an accredited certification body, ceases to maintain
     the certification, then the Supplier, for avoidance of doubt, shall be in
     breach of the Contract. (This shall also apply to any sub-contractors that
     may be used).

4.4  Additionally, the Supplier shall consider steps to meet the requirements of
     BS15000. Supplier shall provide a report of its current status regarding
     same.

5    COMPLIANCE WITH LAWS AND REGULATIONS

5.1  The Supplier and the Services shall comply with all relevant laws and
     regulations from time to time, with any Site regulations that may be
     notified to the Supplier, and with the latest applicable issue of 'Working
     with BT (Distribution Guidelines)' available
     at:http://www.selling2bt.bt.com/working/distribution/default.asp

5.2  The Supplier shall notify BT if it becomes aware of any non-compliance or
     receives any allegation of non-compliance with any relevant laws and
     regulation by any person in connection with the Services. Without prejudice
     to the foregoing, the Supplier shall provide BT with such assistance as BT
     may reasonably request to investigate any breach or suspected breach or
     correct any breach of the relevant laws and regulations. The Supplier shall
     on BT's request, promptly take all reasonable action that is necessary and
     open to the Supplier in order to minimise the impact of the breach and any
     suspected breach of the relevant laws and regulations.

5.3  The Supplier shall provide to BT such information in such format as BT
     shall from time to time reasonably require concerning the weight and
     material composition of any packaging forming part of or accompanying
     Services.

6    ASSIGNMENT AND SUBCONTRACTING

6.1  The Supplier shall not assign or subcontract the whole or any part of the
     Contract without BT's prior written consent, which, if given, shall not
     affect the Supplier's obligations or liabilities under the Contract.

6.2  The Supplier shall allow BT or its nominated representative(s) access to
     its Subcontractors for discussions in relation to the Contract provided

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IN CONFIDENCE

     that the Supplier is informed of the proposed agenda and the outcome of the
     discussions.

7    SUPPLIER OBLIGATIONS

7.1  The Supplier shall perform the Services in accordance with the
     Specifications in the Work Packages and all other applicable provisions of
     this Contract. The warranty for any deliverable produced by the Services
     shall be as set forth in Section 35.

7.2  The Supplier shall provide BT with a reasonable number of copies of any
     promotional literature relating to the Services which the Supplier may
     produce from time to time.

7.3  The Supplier shall give BT reasonable advance written notice of any change
     in or modification of the Services or of the Suppliers intention to
     discontinue any part of the Services.

7.4  Subject to Section 35 below, the Services when properly used will conform
     and operate in all respects with the Statement of Requirements and the
     technical and functional Specifications for the Warranty Period.

7.5  The Supplier shall not accept any request for procurement of Services from
     BT employees without obtaining express consent from BT through duly
     authorised and signed Work Package and/or Purchase Order.

8    SERVICE LEVELS

8.1  The Supplier shall ensure that the Services are performed substantially by
     Contract Personnel of the Supplier.

8.2  The Supplier shall provide the Services in accordance with the Service
     Levels in the individual Work Package and/or Purchase Order requirements,
     unless otherwise agreed.

8.3  If at any time after the Effective Date of the individual Work and/or
     Purchase Order requirements the Services are not supplied in accordance
     with the Service Levels, the Supplier shall, without prejudice to BT's
     other rights and remedies make the necessary arrangements as agreed in the
     Individual work Package.

8.4  The remedies provided in this Clause headed "Service Levels" are without
     limitation to any other remedies BT or the Supplier may have under this
     Contract or at common law or equity in connection with Service non
     compliance.

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IN CONFIDENCE

9    CONTRACT PERSONNEL

9.1  The Supplier shall ensure that all Contract Personnel are competent,
     appropriately qualified and meet with BT's reasonable satisfaction.

9.2  The Supplier shall not (and shall ensure so far as possible that Contract
     Personnel shall not) during the Term or during a period of six months
     immediately after, either on its own behalf or on behalf of any other
     person, firm, company or organisation directly or indirectly induce or seek
     to induce any person, firm or company who at any time during the Term is or
     was a BT customer or in the habit of dealing with BT, and with whom the
     Supplier has had dealings because of or in connection with the performance
     of the Contract, to remove his or its business from BT.

9.3  Neither Supplier nor BT shall directly or indirectly induce, encourage, or
     seek to induce any employee of the other Party to leave such Party's
     employment during the Term or during a period of six months immediately
     after, either on its own behalf or on behalf of any other person, firm,
     company or organisation.

9.4  A Party shall not be in breach of this provision if it recruits any of the
     other Party's employees pursuant to an advertisement or a recruitment
     campaign not specifically targeted at the employees of the other Party.

10   INDUCTION AND TRAINING

The Supplier shall provide the necessary induction and introductory training
before new personnel are actively deployed on any Work to the reasonable
satisfaction of BT.

11   KEY PERSONNEL

11.1 The BT Project Manager may at the outset of or from time to time as agreed
     in writing with the Supplier, during the currency of any project inform the
     Supplier in writing of the names of any Contract Personnel BT considers are
     to perform key roles in relation to the assignment ("Key Personnel").

11.2 The Supplier shall not change or remove or permit the change or removal of
     any Key Personnel without obtaining the prior written consent of the BT
     Project Manager. This clause shall however not apply to a case of
     retirement, resignation or termination of employment of any key personnel
     for whatever reason by the Supplier.

11.3 The Supplier shall remove from any assignment such Contract Personnel as BT
     may from time to time require forthwith upon written notice including
     justification given by the BT Project Manager to the

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IN CONFIDENCE

     Supplier where BT in its sole discretion considers circumstances justify
     it, or otherwise, in any case:

     (a)  upon the expiry of at least one week's written notice given by the BT
          Project Manager to the Supplier during the first eight weeks of any
          relevant assignment; or

     (b)  upon the expiry of at least four weeks' written notice thereafter.

12   ACCESS, ASSISTANCE AND PROGRESS REPORTS

12.1 The Supplier shall:

     (a)  give to BT (or any person authorised by BT) such access at all
          reasonable times to the Supplier's and any Subcontractor's premises as
          BT may require from time to time to assess the progress of the
          Contract;

     (b)  provide such reports to BT and attend such meetings on the performance
          of the Contract as may be reasonably required by BT; and

     (c)  nominate a representative, familiar with all relevant aspects of the
          Contract, to attend all such meetings.

12.2 The Supplier shall maintain full and accurate records ("the Records") of
     all the Services performed in connection with this Contract. The Supplier
     shall retain the Records for a period of six years after termination or
     expiry of the Contract. Records shall pertain to areas including, but not
     limited to, Corporate Tax, VAT, employment, source codes, invoices etc.

12.3 The Supplier shall grant to BT, any auditors (internal or external as
     appointed by BT) and/or their respective authorised agents the right of
     access to the Records and/or any Site and/or the Materials and/or the
     Systems and all supporting documentation and shall provide all reasonable
     assistance at all times during the Term of this Contract and for any
     reasonable period thereafter for the purposes of carrying out an audit of
     the Supplier's compliance with this Contract including but not limited to
     all activities, charges, performance, security and integrity in connection
     therewith. Provided that such audit shall (i) occur at BT's cost and
     expense and only on reasonable prior written notice to Supplier, (ii) be
     subject to confidentiality provisions herein (iii) be limited to BT's
     records and related contracts and used solely to determine Supplier's
     compliance with this Agreement. For the avoidance of doubt, Supplier shall
     not be obligated to disclose any information of any kind related directly
     or indirectly to any other client of Supplier or any other information
     subject to a confidentiality agreement.

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IN CONFIDENCE

13   MISTAKES IN INFORMATION

13.1 The Supplier shall inform BT in writing of any mistakes in Design
     Information within a reasonable time of receiving it.

14   BT ITEMS AND PROPERTY

14.1 All BT Items shall remain the property of BT and the Supplier shall:

     (a)  return them to BT upon completion or termination of the Contract or
          earlier reasonable request by BT;

     (b)  keep them securely and good condition, segregated and clearly marked
          as BT property; and

     (c)  be fully liable for any loss of or damage to them.

14.2 Upon receipt of any BT Items, the Supplier shall satisfy itself that they
     are adequate for the purpose for which they are being provided, and within
     14 days of receipt shall notify BT of any defects or deficiencies.

14.3 The Supplier shall not, without the prior written consent of BT, use BT
     Items for any purpose other than as necessary for the performance of the
     Contract, or allow any third party to use, take possession of, or have any
     rights or lien over BT Items.

14.2 The Supplier shall not have, and shall ensure that Subcontractors shall not
     have, a lien on BT Items for any sum due. The Supplier shall take all
     reasonable steps to ensure the title of BT and the exclusion of such lien
     are brought to the notice of all Contract Personnel dealing with any BT
     Items.

14.4 If there is any threatened seizure of any BT Items, or if the Supplier (or
     any Subcontractors in possession of such BT Items) goes into receivership,
     administration or liquidation (or the equivalent of any of these) the
     Supplier shall:

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IN CONFIDENCE

     (a)  notify BT immediately;

     (b)  draw to the attention of the relevant official that BT Items belong to
          BT and do not form part of the Supplier's assets; and

     (c)  allow BT to enter the Supplier's premises or those of any Contract
          Personnel where BT Items are stored and take possession of them.

15   FORCE MAJEURE

15.1 Neither party shall be liable to the other party for any delay in the
     performance of the Contract directly caused by any force majeure event
     beyond its reasonable control ("the Delay Period") provided such party
     shall have first given the other party written notice within seven days
     after becoming aware that such delay was likely to occur.

15.2 If the Supplier is so delayed, and the Delay Period exceeds 14 days, BT
     shall have the option by written notice to the Supplier to terminate the
     Contract immediately in whole or in part and have no liability for the
     whole or part so terminated.

15.3 For the avoidance of doubt, the provisions of this Condition shall not
     affect any right to terminate the Contract under the Condition headed
     "Termination".

16   SOURCING WITH HUMAN DIGNITY

The following expressions are used in this Condition:

     "GS18" - the BT Sourcing with Human Dignity Generic Standard and Principles
     of Implementation at the Website.

     "Response" - a response to the GS18 questionnaire at the Website; and

     "Website" - the website at
     http://www.selling2bt.com/working/humandignity/default.asp

The Supplier shall:

     (a)  aspire to GS18 standards with a view to the Supplier and Contract
          Personnel achieving them;

     (b)  if requested by BT, provide BT with a full Response within two months
          of the date of the request;

     (c)  promptly submit to BT a revised Response upon any material change in
          the previous Response at any time during the Term;

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IN CONFIDENCE

     (d)  where required work with BT towards the achievement of the GS18
          standards (and use its reasonable endeavours to ensure all Contract
          Personnel will so work with BT and the Supplier); and

     (d)  co-operate with BT and permit BT and its authorised representatives on
          reasonable notice access to the Supplier's premises and records in
          order to assess compliance with this provision and the level of
          achievement of GS18 (and use its reasonable endeavours to ensure BT
          has similar rights in relation to Contract Personnel co-operation,
          premises and records).

17   ENVIRONMENTAL IMPACT

The following expressions are used in this Condition:

     "Response" - a response to the GS13 questionnaire (version 9) at the
     Website.

     "Website" - the website at https://secure.selling2bt.bt.com/ext/html/gs13/

The Supplier shall:

     (a)  if requested by BT, provide BT with a full Response within two months
          of the date of the request;

     (b)  promptly submit to BT a revised Response upon any material change in
          the previous Response at any time during the Term; and

     (c)  when BT identifies areas that require environmental improvement within
          the bounds of this contract requirement, the Supplier shall work with
          BT towards achieving continuous improvement in such areas.

18   ELECTRONIC TRADING

18.1 BT shall send and the Supplier shall accept orders under the Contract only,
     subject to paragraph 3 of this Condition, by secure e-mail.

     The Supplier shall:

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IN CONFIDENCE

     (a)  provide a functional SMTP e-mail account for the receipt of orders;

     (b)  ensure its respective e-mail client conforms to S/MIME and other
          general e-mail standards;

     (c)  provide to BT a Class 2 digital certificate for the encryption of
          e-mails to it, such certificate being issued by a reputable
          certification provider and complying the requirements of the
          Electronic Communication Bill section 7; and

     (d)  use all reasonable commercial efforts to maintain efficient secure
          e-mail transmission and reception at all times.

18.2 If, despite having used all reasonable commercial efforts, either Party is
     unable to transmit or receive secure e-mails in accordance with this
     Condition, it shall promptly inform the other Party, whereupon, for the
     duration of such inability, BT shall submit orders to the Supplier
     conventionally.

19   GROUP COMPANIES

19.1 For the purposes of this Condition, "BT Group Company" shall mean any
     company from time to time in the same group (as defined by s.53 Companies
     Act 1989) as BT.

19.2 At the joint request of BT and any BT Group Company, the Supplier shall
     fulfil any order received by such BT Group Company during the Term for
     Services the same as or substantially similar to the Services. Such
     fulfilment shall be on the same terms and conditions (mutatis mutandis)
     (excluding this Condition) and at the same or, at the Supplier's
     discretion, lower price(s) as are set out in the Contract.

19.3 BT shall have no liability to the Supplier for or in connection with any
     order placed by any BT Group Company nor shall BT have its rights under the
     Contract prejudiced by the acts or omissions of any BT Group Company.

19.4 Notwithstanding anything to the contrary in the Contract, BT shall have the
     right to disclose to any BT Group Company on a confidential basis all
     relevant Information in respect of the Contract.

20   BT RESTRUCTURING

20.1 For the purpose of this Condition:

"BT Affiliate" means a company in which BT owns from time to time, directly or
indirectly, at least 20% of the voting share capital.

"Nominee" means any:

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IN CONFIDENCE

     (a)  company in the BT Group of companies from time to time;

     (b)  BT Affiliate;

     (c)  unaffiliated new company that may be formed by BT pursuant to a
          corporate reorganisation/restructuring, including any company in the
          same Group as such new company; or

     (d)  third party which by purchase, lease, outsourcing agreement or
          otherwise, assumes the operation, administration and/or management of
          any substantial portion of the business of BT affected by the
          Contract.

20.2 At BT's written request, the Supplier agrees to the novation of the
     Contract ("Novation") from BT to any Nominee as may be nominated by BT
     ("the Transferee").

20.3 The Supplier and BT shall promptly do all acts and things necessary to
     effect the Novation, including the signing of a novation agreement, in such
     form as BT shall reasonably require, which agreement shall effect, without
     limitation:

     (a)  an assumption by the Transferee of all rights, obligations and
          liabilities of BT under the Contract (including rights, licences,
          obligations and liabilities that are accrued or expressed to be
          non-transferable, personal or otherwise but excluding the right to
          novate as conferred by this Condition); and

     (b)  a release by the Supplier of BT from all obligations and liabilities
          (including accrued obligations and liabilities) of BT under the
          Contract

20.4 Following the Novation, nothing in the Contract (including, without
     limitation, any software licences) shall prevent the Transferee as a
     contractor to BT from using the Services to provide BT with goods and/or
     services.

20.5 At BT's written request, the Supplier agrees to the replication of the
     Contract for any Nominee nominated by BT, so creating one or more
     additional agreements, each between the Supplier and such Nominee and each
     identified by its own contract number, but containing the terms and
     conditions of the Contract (mutatis mutandis) including, without
     limitation, the same or lower prices, but excluding the right to replicate
     as conferred by this Condition. BT shall provide copies of the replicated
     agreement(s) for execution by the Supplier and shall procure their
     execution by the relevant Nominee(s).

20.6 If the Contract includes a commitment to purchase a stated or determinable
     quantity of goods, services or rights, or prices that vary

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IN CONFIDENCE

     based on the quantities purchased, the total purchases by BT and/or the
     Nominees under the Contract and/or the replicated agreements will be
     aggregated in determining the quantity or prices.

20.7 Notwithstanding anything to the contrary in the Contract, BT shall have the
     right to disclose to any Nominee on a confidential basis all relevant
     information regarding the Contract.

21   REGULATORY MATTERS

21.1 The Supplier shall comply with all Regulatory Matters (including, without
     limitation, any actions that BT may require in accordance with any formal
     or informal undertaking given in response to, or with the object of
     avoiding being made, any orders, provisional orders, determinations,
     directions, decisions or interventions by a relevant regulatory authority)
     that are notified to the Supplier Regulatory Contact from time to time by
     the BT Regulatory Contact in so far as they relate to the performance of
     the Contract by the Supplier.

21.2 The Supplier shall ensure that it and Contract Personnel undertake and
     comply with such training and guidance as the BT Regulatory Contact may
     provide or specify from time to time in relation to Regulatory Matters.

21.3 The Supplier shall promptly provide such information to BT as shall be
     necessary for BT to respond fully and to the timescale required to any
     request or requirement for information from a government or any regulatory
     body, to the extent that such information relates to the performance of the
     Contract by the Supplier.

21.4 BT shall reimburse the Supplier for all costs and expenses incurred by it
     in the performance of its obligations under Paragraphs 2 and/or 3 and/or 4
     of this Condition to the extent that such costs and expenses:

     (a)  would not have been incurred by the Supplier but for this Condition;

     (b)  are incurred solely, necessarily and exclusively in relation to such
          obligations;

     (c)  are reasonable;

     (d)  are validated to BT's reasonable satisfaction;

     (e)  are not provided for under another term of the Contract; and

     (f)  do not result from acts or omissions of the Supplier which contravene
          or conflict with any Regulatory Matters previously notified to the
          Supplier by the BT Regulatory Contact.

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IN CONFIDENCE

21.5 The Supplier shall permit BT and/or its authorised agents such access to
     the Supplier's premises and such access to and copies of its Information
     (and to and of those of any Contract Personnel) as is reasonable for BT to
     assess and/or validate the Supplier's performance of its obligations and/or
     its costs and expenses under or in relation to this Condition.

22   EURO CONFORMANCE

22.1 For the purpose of this Condition, "Financial Services" means those
     Services that process financial information.

22.2 The Supplier warrants that all Financial Services, in processing Financial
     Information, comply with:

     (a)  all laws and regulations applicable to all relevant currencies
          (including, without limitation, EC Regulations 1103/97 and 974/98);
          and

     (b)  if the UK becomes a "participating Member State" (as defined in EC
          Regulation 1103/97), all laws and regulations then applicable to
          sterling and/or to the euro ("Euro Conformance").

22.3 Notwithstanding anything to the contrary in the Contract, and without
     prejudice to any of BT's other rights and remedies, BT shall not be obliged
     to accept nor to pay for financial Services if the Supplier is unable to
     demonstrate their Euro Conformance to BT's reasonable satisfaction.

23   CONFIDENTIALITY

23.1 Subject to the Condition headed 'Intellectual Property", either party
     receiving Information ("the Recipient") from the other shall not without
     the other's prior written consent use such Information except for Contract
     purposes or disclose such Information to any person other than BT's
     employees, agents and contractors or Contract Personnel who have a need to
     know and who are bound by equivalent obligations of confidentiality. Any
     breach of such obligations by Contract Personnel or BT's employees, agents
     or contractors (as the case may be) shall be deemed to be a breach by the
     Supplier or BT respectively.

23.2 Paragraph 1 of this Condition shall not apply to Information that is:

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IN CONFIDENCE

     (a)  published except by a breach of the Contract; or

     (b)  lawfully known to the Recipient at the time of disclosure and is not
          subject to any obligations of confidentiality; or

     (c)  lawfully disclosed to the Recipient by a third party without any
          obligations of confidentiality; or

     (d)  replicated by development independently carried out by or for the
          Recipient by an employee or other person without access to or
          knowledge of the Information.

     Notwithstanding the foregoing, either Party may disclose, only with the
     prior written consent of the other party, not to be unreasonably withheld,
     such terms as are required to be disclosed under strictures of
     confidentiality for fund raising or financing efforts to investors and
     lenders and bona fide potential investors and lenders (except no consent is
     needed to provide to a party's auditors or attorneys) provided, however,
     that the receiving parties are bound by confidentiality terms no less
     restrictive than the terms set forth herein. In addition, the Agreement and
     terms hereof may be disclosed as otherwise but only to the extent required
     pursuant to applicable law, regulation or stock market or stock exchange
     rule; provided that, to the extent practicable, a Party proposing to make
     such a disclosure as required by law, rule or regulation shall inform the
     other Party a reasonable time prior to such required disclosure, shall
     provide the other Party with a copy of the text of such proposed disclosure
     sufficiently in advance of the proposed disclosure to afford such other
     Party a reasonable opportunity to review and comment upon the proposed
     disclosure (including, if applicable, the redacted version of this
     Agreement) and shall reasonably consider, consistent with applicable law,
     rule and regulation (including interpretations thereof), the requests of
     the other Party regarding confidential treatment for such disclosure.

23.3 The Supplier shall not publicise the Contract without BT's prior written
     consent and shall ensure that any subcontractor is bound by similar
     confidentiality terms to those in this Condition.

23.4 Either party that has during the course of the Contract received
     Information in a recorded form from the other (or has recorded received
     Information) shall return or destroy (at the option of the disclosing
     party) such records upon:

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IN CONFIDENCE

     (a)  expiry or termination of the Contract; or

     (b)  upon earlier request

     unless such records are part of the Services.

23.5 This Condition shall survive the Contract.

24   BENCHMARKING

The Supplier shall:

     (a)  undertake its own benchmarking exercises annually at a date to be
          agreed upon by the Parties;

     (b)  undertake such further regular benchmarking exercises as may be
          required by BT from time to time, having first agreed with BT the
          related processes and comparable suppliers;

     (c)  promptly provide written reports to BT on such exercises with an audit
          trail;

     (d)  provide evidence to BT that the quality, price and delivery of
          Services is world class;

     (e)  permit BT's authorised representatives access to the Supplier's
          premises and to its records to inspect and verify such exercises,
          evidence and reports and/or to allow BT to conduct its own
          benchmarking exercises, provided that such benchmarking exercises
          shall (i) occur at BT's cost and expense and only on reasonable prior
          written notice to Supplier, (ii) be subject to confidentiality
          provisions herein (iii) be limited to BT's records and related
          contracts and used solely to determine Supplier's compliance with this
          Agreement. For the avoidance of doubt, Supplier shall not be obligated
          to disclose any information of any kind related directly or indirectly
          to any other client of Supplier or any other information subject to a
          confidentiality agreements; and

     (f)  fully co-operate with BT during any benchmarking exercise undertaken
          by BT.

The Supplier's obligations under this Condition shall be performed at the
Supplier's cost and expense, except as stated in 24 (e).

25   VARIATIONS

25.1 BT shall have the right from time to time during Term by written notice to
     require the Supplier to alter, amend, add to or otherwise vary any part of
     the Services ("Variation") and the Supplier shall carry out such

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IN CONFIDENCE

     Variation as agreed in writing by Supplier which agreement shall not be
     unreasonably withheld. No Variation required by BT shall render the
     Contract null and void.

25.2 The price(s) payable by BT for Services subject to the Variation shall be
     increased or decreased by a fair and reasonable amount and any dependent
     contractual time-scales shall be adjusted by a fair and reasonable amount.
     The Supplier shall satisfy BT of the reasonableness of any change in prices
     and/or time-scales and undertakes:

     (a)  to afford facilities to BT's nominated representative to visit the
          Supplier's premises for the purpose of examining the process involved
          in the execution of the Variation and estimating or ascertaining the
          cost of executing it; and,

     (b)  to provide BT with such particulars of costings in connection with the
          Variation as may be required by BT and to permit them to be verified
          by a representative of BT through inspection of its books, accounts
          and other documents and records, provided that such inspection shall
          (i) occur at BT's cost and expense and only on reasonable prior
          written notice to Supplier, (ii) be subject to confidentiality
          provisions herein (iii) be limited to BT's records and related
          contracts and used solely to determine Supplier's compliance with this
          Agreement. For the avoidance of doubt, Supplier shall not be obligated
          to disclose any information of any kind related directly or indirectly
          to any other client of Supplier or any other information subject to a
          confidentiality agreements

25.3 No Variation shall be carried out unless requested in writing by BT's
     Commercial Contact or requested by Supplier but agreed to by BT's
     Commercial Contact in writing. Any Variation carried out other than in
     accordance with this Condition shall be the sole responsibility of the
     Supplier and shall not result in any increase in the price(s) payable by BT
     or in any variation in time-scales.

26   SUSPENSION OF WORK

26.1 BT may suspend Work at any time and will pay to the Supplier all reasonable
     resulting expenses incurred by the Supplier (other than those arising from
     the Suppliers own default) provided that;

     (a)  no payment shall be made for any period of suspension, prevention or
          delay of less than 2 consecutive days; and

     (b)  the Supplier has within 10 days after the event giving rise to the
          claim, given written notice to BT of its intention to make such a
          claim; and

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IN CONFIDENCE

     (c)  the Supplier makes such claim giving full details of each item claimed
          and the reason for such cost within 30 days after the event giving
          rise to the claim.

26.2 The Supplier may suspend Work if BT fails, neglects or refuses to conform
with the following provisions in the Contract:

     a)   Non-Solicitation in Condition 9.3

     b)   Payment Obligation in Condition 55

     c)   Confidentiality in Condition 23

     and BT will pay to the Supplier all reasonable resulting costs and expenses
     incurred by the Supplier (other than those arising from the Supplier's own
     default). Notwithstanding the above the Supplier shall promptly notify BT's
     Commercial Contact in the event the Supplier finds BT not in conformance
     with a, b, or c above. Both Parties shall invoke the escalation procedure
     in accordance with the heading "Escalation" to resolve the non-conformance
     within 10 days. Where the non-conformance is not resolved within 10 days
     through the escalation procedure, the Supplier may suspend Work in relation
     to the Work Package as provided above.

27   WORK SITE AND SECURITY

27.1 The Supplier shall be deemed to have examined the Site and BT shall not be
     liable for any claim from the Supplier in relation to its misinterpretation
     of any Site-related matter, or any other matter in respect of which the
     Supplier could reasonably have satisfied itself by a visit to the Site,
     reference to BT or otherwise.

27.2 The Supplier shall before the commencement of any relevant Work inform BT
     of the number of employees to be brought onto the Site.

27.3 The Supplier shall designate one or more competent representatives to
     supervise the carrying out of the Work on the Site (the "Supplier's
     Representative"), whose names shall be notified to BT in writing, and who
     shall be present on the Site continuously between 0800 and 1800 Monday to
     Friday excluding all relevant UK public holidays ("the Working Hours"). Any
     orders or instructions BT gives to the Supplier's Representative shall be
     deemed to have been given to the Supplier.

27.4 Where Work is to be carried out on a BT Site, BT shall wherever possible
     and reasonable provide such facilities during Working Hours or such
     reasonable working hours as may be applicable to each Site as are agreed
     between BT and the Supplier. The Supplier shall satisfy BT

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IN CONFIDENCE

     that the power arrangements meet any safety provisions as may be applicable
     to the Site. Any statement of satisfaction by or on behalf of BT shall be
     without prejudice to the obligations and liabilities of the Supplier.

27.5 The Supplier shall give at least 7 days written notice to BT of the dates
     and times on which it proposes to deliver any Services or Supplier's
     Equipment to the Site and shall upon despatch of Services or Supplier's
     Equipment to Site notify BT of their details in writing.

27.6 No Services or Supplier's Equipment shall be removed from any Site without
     BT's written consent and, if given, the Supplier shall provide a receipt to
     BT or BT's site representative listing full details of the Services or
     Supplier's Equipment removed. The Supplier shall ensure that no BT Items,
     facilities or materials are used or removed from any Site without BT's
     written consent and shall immediately notify BT of any known or suspected
     breach of security and give BT full co-operation in any investigation.

27.7 The Supplier shall remove Supplier's Equipment and any defective Services
     leaving the Site clean and in good condition, either:

     (a)  immediately before submitting Services for Acceptance; or

     (b)  at any time before Acceptance, subject to 20 days written notice from
          BT.

27.8 The Supplier shall hand to BT any existing BT Items or materials recovered
     as a result of the Work if they are not to be used to meet the requirements
     of the Contract or deliver them to such place as directed by BT.

27.9 If the Supplier fails to remove Supplier's Equipment from Site as specified
     above, then BT may remove it at the Supplier's risk and expense.

27.10 The Supplier shall ensure that Contract Personnel comply with all
     security, safety and works regulations and such other local instructions as
     may be notified by BT or BT's customer whilst on any Site.

27.11 BT may remove from and refuse entry and re-admission to a Site any person
     who is, in the reasonable opinion of BT, not complying with the
     requirements of this Condition or not a fit person to be allowed on Site.

27.12 BT may at its discretion, search any Contract Personnel or their vehicles
     or equipment upon any BT Site or upon entry to and departure from any Site.
     The Supplier shall use its best endeavours to ensure that Contract
     Personnel are aware of and comply with these requirements and that no
     Contract Personnel unwilling to so comply will be employed on any Site.

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SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

27.13 The Supplier shall (and shall ensure Contract Personnel shall):

     (a)  access only those parts of Sites strictly necessary for the purposes
          of the Contract; and

     (b)  comply with the BT Security Access Policy set out at:

          http://www.selling2bt.com/working/third_party_access/default.asp ; and

     (c)  use any equipment or lines provided by BT only for the purposes of the
          Contract, and, in particular shall not use BT equipment or lines for
          personal use.

27.14 The Supplier shall undertake a risk assessment and use appropriate
     physical and electronic security measures to use all reasonable endeavours
     to safeguard any BT Items against loss or theft. BT shall have the right to
     examine such arrangements and associated security procedures and to inspect
     all BT Items being held by or on behalf of the Supplier, and the Supplier
     shall use such additional reasonable security measures as BT shall from
     time to time require.

27.15 The Supplier shall supply on request details (name, address, date of
     birth) of any Contract Personnel who might have access to a Site.

27.16 BT may examine any Information relating to the handling, processing,
     transportation and storage of information or property of or supplied by BT
     and held by the Supplier under the Contract, which Information shall be
     kept by the Supplier for at least one year after the termination or expiry
     of the Contract.

27.17 BT shall not be responsible for safeguarding any property or money of
     Contract Personnel.

28   RISK ASSESSMENT

28.1 The Supplier shall provide a Risk Register for each Work Package/ project,
     which will form part of any subsequent contractual commitment.

28.2 The register shall as a minimum identify the risk, likely impact,
     probability evaluation and mitigation actions that will be taken to reduce
     the risk.

28.3 The register shall also identify any specific Supplier responsibility
     exclusions, which will vary dependent on the type of service provided.

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IN CONFIDENCE

29   BT SECURITY POLICY REQUIREMENTS

29.1 The Supplier shall comply with the requirements of BT's security
     requirements, as defined in BT Security Policy in Schedule 4 herein.

29.2 The Supplier shall not have or be permitted access to interconnection with
     BT Systems and access to BT Information ("Access") other than for the
     Purposes (as defined in Schedule 4) in accordance with the Contract.

29.3 BT allows (so far as it can and is able to do so) the Supplier, while the
     Supplier is Authorised (as defined in Schedule 4) Access solely for the
     Purposes as defined in Schedule 4.

29.4 The Supplier shall take all reasonable steps to prevent unauthorised
     Access.

29.5 The Supplier shall provide BT with a generic risk management statement (in
     terms of risk management strategy and contingency plans) in connection with
     any services provided remotely from BT site, either in the UK or Offshore,
     to ensure continuity of service in the event of natural disaster, terrorist
     attack, war or similar.

29.6 In the event of conflict between this Condition and Schedule 4 in this
     Contract, the terms of Schedule 4 shall prevail.

29.7 This Condition shall survive the Contract.

30   PROTECTION OF PERSONAL DATA

30.1 Other than at BT's request, where required to provide the Services, or
     where required by law the Supplier shall not disclose or allow access to
     any personal data as defined in the Data Protection Act 1998 (the "Data
     Protection Act") relating to the Services ("BT Personal Data") whether
     provided or acquired by the Supplier during the course of the negotiations
     leading to or on the execution and during the Term of this Contract, other
     than to a person placed by the Supplier under a like obligation who is
     employed or engaged by the Supplier or within the control of the Supplier
     in the performance of the Contract.

30.2 The Supplier shall store or process BT Personal Data only at sites and in a
     manner specifically advised to BT in writing in advance and only in
     accordance with the Data Protection Act. BT shall have the right to
     reasonably object to such storage or processing at any time in which case
     the Supplier shall store or process data only at sites or in a manner
     expressly agreed with BT.

30.3 The Supplier shall not use BT Personal Data for any purpose other than the
     performance of the Services and shall return any BT Personal

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IN CONFIDENCE

     Data to BT immediately upon request at any time providing such return does
     not prevent the Supplier from fulfilling its obligations under this
     Contract. Upon expiry or termination of this Contract for whatever reason,
     the Supplier shall return to BT or at BT's option destroy (and certify that
     it has destroyed) all BT Personal Data.

30.4 The Parties acknowledge that, in respect of all BT Personal Data controlled
     by BT and processed by the Supplier for the purpose of the provision of
     Services under this Contract BT alone shall determine the purposes for
     which and the manner in which such BT Personal Data will be processed (as
     defined in the Data Protection Act) by the Supplier.

30.5 Where, in connection with this Contract, the Supplier processes BT Personal
     Data on behalf of BT as a data processor, the Supplier shall:

     (a)  process BT Personal Data only on instructions of BT and to the extent
          necessary for the performance of this Contract ;

     (b)  not disclose BT Personal Data to any person except as required or
          permitted by this Contract or with BT's written consent; and

     (c)  implement appropriate technical and organisational measures to protect
          those personal data against accidental or unlawful destruction or
          accidental loss, alteration, unauthorised disclosure or access, and
          against all other unlawful forms of processing.

     (d)  Subject to the indemnification processes and terms set forth in
          Section 33.11, 33.12 and 46.1 hereto, the Supplier shall at its own
          expense defend, indemnify and hold harmless BT against all third party
          actions, claims, demands and proceedings and all damages, costs and
          expenses incurred in connection therewith made or brought against BT
          by any person in respect of any loss or damages to that person
          relating to the misuse of the personal data of that person by the
          Supplier, its officers, contractors, sub-contractors, agents,
          servants, or employees or other person within its control.

30.6 The Supplier shall, with regard to personal data:

     (a)  comply and ensure that all its employees, agents and sub-contractors
          comply with all relevant provisions of any BT codes of practice
          (mutatis mutandis) notified to the Supplier from time to time, the
          Computer Misuse Act 1990 and the Data Protection Act; and

     (b)  keep and ensure all its employees, agents and Sub-Contractors keep all
          Information secure and confidential, act only on BT's instructions
          with respect to it, and comply with such further

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IN CONFIDENCE

          reasonable requirements from time to time of BT for the security of
          it; and

     (c)  prior to any transfer of personal data, enter into or procure that the
          Sub-contractor delivering the Services will enter into contracts for
          the transfer of personal data, which in respect of the European
          Economic Area (the "EEA") shall be on the basis of the Model Contract
          Terms as issued by the European Commission pursuant to the Data
          Protection Directives or such other data protection model contract
          terms as may be agreed between the Parties from time to time and in
          respect of countries outside the EEA on terms consistent with the
          legal requirements of such countries.

30.7 Where, in connection with this Contract, the Supplier processes BT Personal
     Data on behalf of BT as a data processor, the Supplier shall without delay
     execute Model Clauses in Schedule 3 for each and every Work Package and/or
     Purchase Order.

30.8 Other than as provided in this Clause 30, the Supplier agrees not to export
     any personal data outside the EEA without BT's prior written consent.

31   TRANSFER OF UNDERTAKINGS

31.1 Within 7 days following a written request by BT at any time, the Supplier
     shall, at its own expense, provide in writing to BT or to such third
     parties as BT may direct, all Information concerning:

     (a)  any actual, threatened or potential litigation by or in relation to
          its employees;

     (b)  its employees' terms and conditions of employment; and

     (c)  such other Information as BT considers necessary to ensure compliance
          with the Transfer of Undertakings (Protection of Employment)
          Regulations or any similar or related legislation ("TUPE") following
          the termination or expiry of the Contract in relation to the provision
          of services the same as or similar to services comprised in the
          Services ("Similar Services").

31.2 The Supplier warrants that all Information supplied under Paragraph 1 of
     this Condition is complete and correct.

31.3 The Supplier indemnifies:

     (a)  BT (without prejudice to any other right of BT); and

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IN CONFIDENCE

     (b)  at BT's request, any subsequent contractor to BT providing Similar
          Services

     against all liability arising as a result of the operation of TUPE or
     otherwise in relation to the acts or omissions of the Supplier with respect
     to its employees during the Term, subject to the indemnification processes
     and terms set forth in Section 33.11, 33.12 and 46.1.

31.4 The Supplier shall use its reasonable endeavours to ensure that the
     composition of its workforce is not altered so as to affect materially the
     application of TUPE or the extent of such application.

31.5 The provisions of this Condition shall survive the expiry or termination of
     the Contract, and their existence, or BT's exercise of any rights under
     them, shall not constitute or imply any admission by BT that TUPE is
     applicable or not.

32   TAX AND NATIONAL INSURANCE

The Supplier shall make all appropriate PAYE deductions for tax and National
Insurance contributions from the remuneration it pays its personnel (none of
whom shall be employees of BT) and the Supplier indemnifies BT in respect of any
claims that may be made by the relevant authorities against BT in respect of tax
demands or National Insurance or similar contributions relating to the
Supplier's personnel or, where the Supplier is a partnership, relating to any
partner in the Supplier.

33   INTELLECTUAL PROPERTY

33.1 In this Condition, "New Information" means all Information generated in the
     course of or arising from the performance of the Contract.

33.2 BT shall exclusively own the New Information and all Intellectual Property
     Rights in it. Whenever the Supplier becomes aware of any invention or
     design comprised in the New Information as may reasonably be thought
     patentable or registrable the Supplier shall provide sufficient information
     to BT's Commercial Contact (or such other person or address as BT may
     notify) to enable BT both to ascertain its technical and commercial
     significance, and, if required by BT, to apply for Intellectual Property
     Right protection.

33.3 The Supplier assigns to BT the copyright, design right and any other
     Intellectual Property Right in the New Information which shall vest in BT
     absolutely as and when such copyright, design right or other right comes
     into existence. All documentation or other items or media consisting of or
     containing New Information shall belong to BT. The Supplier shall mark each
     item of the New Information accordingly.

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IN CONFIDENCE

33.4 The Supplier shall, at the request and expense of BT, to do or ensure that
     is done, everything that BT may reasonably require to apply for and to
     obtain Intellectual Property Rights in any New Information and to vest in
     BT absolutely any such Intellectual Property Rights, or any application.

33.5 The Supplier shall use reasonable care to ensure that nothing is done to
     prejudice the grant or creation of any Intellectual Property Right in
     respect of any of the New Information or to prejudice the exercise of any
     such Intellectual Property Rights.

33.6 The Supplier warrants that it has the right and power to grant to BT the
     rights and licences granted under the Contract.

33.7 The Supplier grants a non-exclusive irrevocable licence to BT whether by
     itself or by third parties on its behalf, free of any payment, to copy,
     disclose, publish, sell and use (with the right to sublicense any such
     rights) the Services without restriction. If the exercise of these rights
     and/or BT's rights in the New Information requires licences to use the
     Supplier's Background Information or the Intellectual Property Rights of
     any third party, then the Supplier shall be deemed to hereby grant or shall
     procure such licences for BT at no cost to BT.

33.8 Where BT has instructed the Supplier to procure third party components
     including software for BT use in the performance of the Services, which is
     sub-licensed to BT, the Supplier shall grant BT in the sub-licence similar
     warranties and indemnities as provided in the third party contract between
     the Supplier and third party until such time BT ceases use of the third
     party component.

For the purposes of this sub-paragraph,

"THIRD PARTY SOFTWARE" will mean any Software that is owned by a person other
than Supplier or BT and is used to provide the Services.

"THIRD PARTY SOFTWARE LICENCE" will mean a license agreement that authorises BT
or Supplier to use Third Party Software.

The Parties will identify in each Work Package or Purchase Order such additional
Third Party Software as may be required for Supplier to perform a particular
Work. Supplier shall perform the following actions in order to ensure Supplier
has the necessary right to use Third Party Software in order to perform Services
for BT under this Agreement ("Third Party Consents") in the following order of
precedence:

33.8.1 Solely for Services to be performed within the BT or on other premises,
     Supplier shall (i) work with BT to obtain the necessary Third Party

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IN CONFIDENCE

     Consents; and (ii) execute any additional agreements or assurances with
     such third party which may be necessary to secure such Third Party
     Consents. BT's failure to obtain any such Third Party Consents shall not be
     a breach of this Agreement; provided however, Supplier shall have no
     obligation to perform the Services dependent on such Third Party Software.

33.8.2 For Third Party Software as to which Supplier has an existing license for
     its own use, Supplier shall use all reasonable efforts to secure all
     necessary Third Party Consents including without limitation the right to
     use the Third Party Software for the benefit of BT.

33.8.3 For Third Party Software as to which Supplier does not have an existing
     licence for its own use, Supplier shall use commercially reasonable efforts
     to secure all necessary Third Party Consents including without limitation
     the right to use the Third Party Software for the benefit of BT. The
     parties may execute a Work Package or a Variation to effect the foregoing.
     Alternatively, Supplier and BT may agree that BT procure such Third Party
     License Agreement.

33.8.4 For Third Party Software as to which BT has an existing Third Party
     License for its own use and as to which Supplier does not already have a
     licence of its own permitting Supplier to use the Third Party Software to
     provide the Services or is unable to obtain under subsection (2) above,
     Supplier shall (i) work with BT to obtain the necessary Third Party
     Consents; and (ii) execute any additional agreements or assurances with
     such third party which may be necessary to secure such Third Party
     Consents. BT's failure to obtain any such Third Party Consents shall not be
     a breach of this Contract; provided however, Supplier shall have no
     obligation to perform the Services dependent on such Third Party Software.

33.9 Supplier may not enter into oral or written agreements with any individual
     or business entity for or in the name of BT or BT Nominee or Affiliated
     Companies of BT. Supplier shall not cancel, substitute, terminate, change
     or add to any such Third Party Software Licence without BT's prior written
     consent, which consent may be withheld in BT's sole discretion.

33.10 The Supplier indemnifies BT against all actions, claims, proceedings,
     damages, costs, and expenses arising from any actual or alleged
     infringement of Intellectual Property Rights (excluding Third Party
     Software used as part of any Work which was pre-approved by BT and for
     which Supplier has not entered into a Third Party Software License) or
     breach of confidentiality by BT's possession or use or sale, lease or hire
     of any of the Services anywhere in the world. Notwithstanding anything to
     the contrary, Supplier will indemnify and pay to BT with

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IN CONFIDENCE

     respect to such third party claims under this Section and under this
     Agreement regarding indemnification obligations of Supplier, all such
     damages, costs and expenses finally awarded against BT to such third party
     by a court of competent jurisdiction after all appeals have been exhausted
     or at the time of a final settlement of such claims or final award or out
     of court settlement, if applicable.

33.11 BT shall notify the Supplier in writing of any such allegation received by
     BT and shall not make any admissions unless the Supplier gives prior
     written consent.

33.12 At the Supplier's request and expense, BT shall permit the Supplier to
     conduct and control all negotiations and litigation. BT shall give all
     reasonable assistance and the Supplier shall pay BT's costs and expenses so
     incurred.

33.13 The Supplier may at its expense modify or replace the Services to avoid
     any alleged or actual infringement or breach. The modification or
     replacement must not affect the performance of the Services. If neither of
     these remedies are reasonably available to the Supplier, the Supplier may
     require BT to cease using the infringing Work and the Supplier will issue
     BT a pro-rated refund based on a Contract Term year depreciation schedule
     for the infringing Work (as appropriate). Where BT is required to return
     the Services to the Supplier and such return requires goods to cross an
     international border, the rejected Services shall be returned to the
     Supplier on a CIP basis and the Supplier shall reimburse to BT the
     reasonable costs of transportation, delivery, importation and any necessary
     international trade formalities with which BT must comply. The Supplier may
     at its option, collect rejected Services. Replacement Services shall be
     delivered on a FCA basis and the Supplier shall reimburse to BT the
     reasonable costs of transportation, delivery, importation and any necessary
     international trade formalities with which BT must comply.

33.14 This indemnity shall not apply to apply to infringements or breaches
     arising directly from:

     (a)  compliance with the Design Information to the extent that such
          compliance directly or indirectly results in the infringement. This
          exception does not apply to infringements resulting from a BT
          requirement that the Services comply with a national or international
          standard; or

     (b)  the combination of the Services with other items not supplied under
          the Contract.

     (c)  any alteration or modification of any Services not provided or
          authorised by Supplier in writing, if the infringement would not have

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IN CONFIDENCE

          occurred but for the alteration or modification by a party other than
          Supplier

     (d)  any claim covered by paragraph 33.15 below or any intellectual
          property of BT, to the extent that such intellectual property caused
          such infringement.

33.15 Without prejudice to sub-paragraph 12(a) of this Condition, BT warrants
     that compliance with the Design Information will not cause infringement or
     breach.

33.16 This Condition shall survive the Contract.

34.  ESCALATION

In the event that a material dispute relating to the Contract arises, the
parties, shall escalate the dispute to the persons named or holding the
positions (or their equivalents) at the Levels stated below and for the time
periods stated below. If, despite each Level's good faith discussions and
negotiations for the time period stated below, such Level is still unable to
resolve the dispute within the period stated below for such Level to the mutual
satisfaction of the parties, the parties shall escalate the dispute to the next
Level for the periods stated below, and so on until the procedure is exhausted.
If the dispute is not resolved within the periods stated below (and any
applicable agreed cure period), then the parties may pursue all other remedies
provided at law or under this Contract. During the time of escalation per the
process set forth below, neither party shall resort to litigation unless the
other party is unwilling or unable to engage in the escalation process.

<TABLE>
<CAPTION>
          For BT                            For the Supplier          Time of Negotiation/Level
          ------                            ----------------          -------------------------
<S>       <C>                               <C>                       <C>
Level 1   Commercial Contact                Client Services Manager   5 business days

Level 2   Head of domain                    Vice President            5 business days
                                            Client Services

Level 3   VP Global Sourcing of Centre of   General Manager           5 business days
          Excellence

Level 4   Chief Procurement Officer         Chief Operating Officer   5 business days

Level 5   Group CFO                         Chief Executive Officer   10 business days
</TABLE>

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35   WARRANTY

35.1 The Supplier shall at its own cost promptly remedy (by, at BT's option and
     by mutual agreement, repair, replacement or modify) any non-conformance of
     the Services from the Specification during the Warranty Period solely due
     to the fault of the Supplier as notified by BT in writing during the 180
     day period ("the Warranty Period") of their respective delivery to BT due
     to:

     (a)  poor or defective workmanship or materials;

     (b)  faulty design which deviates from the Specification, (other than a
          design made or furnished or specified by BT and for which the Supplier
          has previously disclaimed responsibility in writing within a
          reasonable time of receipt); or

     (c)  any negligent act or negligent omission by the Supplier or Contract
          Personnel.

     If BT notifies Supplier in writing of any such non-conformance during the
     Warranty Period, Supplier's sole and exclusive obligation, and BT's sole
     and exclusive remedy shall be for Supplier to promptly repair, replace or
     modify such non-conformance at no additional expense to BT to comply with
     the warranty stated above, without prejudice to BT's rights under the
     heading "Termination".

35.2 Subject to the warranty terms above, the Supplier shall use all reasonable
     care to:

     (a)  ensure that any remedied part of Services is compatible with all
          Services; and

     (b)  complete the remedy to comply with the warranty above within the
          time-scales specified in the Contract (or, if none are specified,
          within a reasonable time); and

     (c)  ensure that defective Services are not remedied on BT premises without
          BT's consent, unless, for operational or technical reasons they can
          only be removed or replaced with difficulty; and

     (d)  cause the minimum of disruption to BT and/or its customers in
          effecting any remedy. The time at which any remedy is to be effected
          shall be agreed with BT and BT may at its discretion direct the
          Supplier to work outside normal working hours at no cost to BT.

35.3 All repaired or replacement Services shall benefit from the provisions of
     this Condition and a new Warranty Period shall apply to them from their
     respective date of delivery to BT.

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35.4 The Supplier shall, upon receipt of Services returned under this Condition,
     immediately investigate those Services and take all necessary corrective
     action to prevent recurrence of the defects in Services. The Supplier shall
     report monthly in writing to BT's Commercial Contact the outcome of all
     such investigations. The report shall contain such additional information
     and be in such format as BT shall reasonably require from time to time
     including but not limited to:

     a)   a summary of the Services rejected by BT under this Condition, along
          with the results of the investigation.

     b)   the details of any corrective action taken to prevent a recurrence of
          defects.

     c)   without prejudice to the rights of BT under this Condition, the
          reasons for any Services returned not being accepted under the terms
          of this guarantee and a breakdown of those Services by the code number
          quoted on any applicable fault label supplied.

35.5 Subject to Clause 33, the Supplier warrants that it has the right to supply
     the Software and grant licences for the Software as described in this
     Contract and will indemnify and hold harmless BT against any claim that it
     is not so entitled.

35.6 The Supplier warrants that the Software will after acceptance by BT and
     during the Warranty Period provide the facilities and functions set out in
     their Functional Specifications, and that the documentation provided by the
     Supplier for the Software will provide instruction to enable BT to make
     full and proper use of such facilities and functions.

35.7 In the event of a breach of warranty during the Warranty Period solely due
     to the fault of the Supplier, the Supplier shall correct or replace free of
     charge to BT, for the applicable Warranty Period commencing from Acceptance
     of the installation of the Software, any non-conformance of the Software
     for the Functional Specification in the Statement of Requirements or any
     part thereof. Where an error in Services in accordance with 35.1 or
     Software is discovered to be a consequence of

     (a)  an amendment or customisation made to the Software or Service by or on
          behalf of BT without the Supplier's prior consent;

     (b)  the combination, operation, or use of the Software with any other
          software or materials not approved by Supplier or use of the Software
          on incompatible hardware or software environment not recommended by
          Supplier;

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     (c)  operation or use of the Software otherwise than for the purposes or in
          accordance with this Contract and documentation provided by the
          Supplier,

     (d)  BT's hardware malfunction,

     (e)  third party software;

     then the Supplier may levy a reasonable charge for its time expended
     correcting the said error.

35.8 The Supplier shall use good quality materials, techniques and standards and
     execute this Contract with the care, skill and diligence required in
     accordance with the best computing practice and industry standards.

35.9 The Supplier hereby represents, warrants and covenants that the Software,
     when delivered to BT, does not and will not contain any computer code that
     would disable the Software or impair in any way its operation based on the
     elapsing of a period of time, exceeding an authorised number of copies,
     advancement to a particular date or other numeral, or other similar
     self-destruct mechanisms (sometimes referred to as "time bombs", "time
     locks", or "drop dead" devices) or that would permit the Supplier to access
     the Software to cause such disablement or impairment (sometimes referred to
     as a "trap door" device).

35.10 The Supplier agrees that in the event of a breach or alleged breach of
     Section 35.9 that BT shall not have an adequate remedy at law, including
     monetary damages, and that BT shall consequently be entitled to seek a
     temporary restraining order, injunction, or other form of equitable relief
     against the continuance of such breach, in addition to any and all remedies
     to which BT shall be entitled.

35.11 This Condition shall survive the Contract.

36   TITLE AND RISK

36.1 Without prejudice to BT's right to reject under the Contract, the title in
     Services shall pass to BT upon the earlier of Acceptance or payment (and
     for any part of a Service, including any payment thereon) and shall be free
     from any claims or encumbrance whatsoever, with the exception of Software
     for which a licence is granted in accordance with the Contract.

36.2 If any Services are rejected by BT or the Contract is terminated, title to
     any Services not accepted by BT and any materials or things which have not
     been incorporated in any part of accepted Services, shall re-vest in the
     Supplier on the expiration of 30 days from the date on which

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IN CONFIDENCE

     such termination or rejection takes effect unless BT gives notice to the
     Supplier within such period that it intends to either issue any certificate
     of commercial service in respect of the rejected Services or otherwise
     retain title in them.

36.3 Any payment made by BT for Services, materials or things which re-vest in
     the Supplier is a sum due to BT from the Supplier.

36.4 The Supplier shall deliver to BT any Services the title in which BT has
     elected to retain provided that BT pays for the fees and expenses incurred
     up the time of delivery of the Services under this Condition and if it
     shall fail to do so BT may enter the Supplier's premises and remove such
     Services and recover the cost of so doing from the Supplier, subject to BT
     paying a fair and reasonable price for such Services.

36.5 The risk of loss of or damage to Services shall pass to BT upon Acceptance,
     which Acceptance shall be defined in each Project.

37   RIGHT TO REJECT

37.1 BT shall have the right to reject the whole or any part of the Services
     prior to Acceptance that it reasonably considers are not in accordance with
     the Specification in the Statement of Requirements.

37.2 The Supplier shall at its own risk and expense, then use all reasonable
     endeavours to replace or repair rejected Services with Services that comply
     with the Statement of Requirements within 14 days (or any other reasonable
     period specified by BT) of notice of rejection from BT.

37.3 Written acknowledgement of receipt of Services by BT at the delivery point
     shall not affect BT's rights subsequently to reject those Services. In the
     event a defect is identified in the Services delivered and prior to
     Acceptance, the Supplier shall at its own risk and expense, use all
     reasonable endeavours to replace or repair rejected Services with Services
     that comply with the Statement of Requirements within 14 days (or any other
     reasonable period agreed with the parties) of notice from BT of the
     deficiency.

38   EXPORT

The Supplier:

(a)  warrants that it has obtained all necessary licences, authorities, consents
     and permits for the unrestricted export of Services to BT, and export or
     re-export to such countries as BT shall have notified to the Supplier at
     any time before delivery to BT; and

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IN CONFIDENCE

(b)  indemnifies BT against all costs, claims, or demands resulting directly or
     indirectly from any breach of such warranty, subject to the provisions of
     Section 33.11, 33.12and 46.1.

39   DOCUMENTATION

In this Condition, "Documentation" means the installation, user and maintenance
guides and/or other documentation supplied under the Contract relating to the
use and/or operation of Services.

39.1 The Supplier grants to BT non-exclusive, royalty free, world-wide rights,
     by or on behalf of BT to copy and disclose, make adaptations of (and copy
     and disclose such adaptations) of the Documentation for its and, where not
     otherwise expressly restricted, third parties' use of Services.

40.  DELIVERY

40.1 The Supplier shall deliver Services in accordance with the Contract for
     time of delivery. If no such time is specified in the Contract, the
     Supplier shall deliver Services as agreed between the parties or, in the
     absence of agreement, at such time as BT may specify but not limited to in
     the Work Package or Purchase Order (as the case may be).

40.2 The Supplier shall deliver Services ordered by BT in accordance with the
     Requirements schedule to the Contract.

40.3 The Supplier shall not, without the prior written consent of BT, deliver
     any part order (by quantity or by item). If Services are not available for
     delivery at the due time, the Supplier shall (without prejudice to BT's
     rights under the Contract) immediately inform BT by telephone, facsimile or
     e-mail and confirm such communication in writing.

41   DEFAULT/LIQUIDATED DAMAGES

41.1 Subject to the provisions of the Condition headed "Force Majeure", and, if
     the Supplier does not deliver, install, or complete (as the case may be)
     any Services by the due date subject to any Variation and terms of any Work
     Package and/or Purchase Order, the Supplier shall be in breach of the
     Contract (but not necessarily material breach), and, where the relevant
     Work Package or this Contract provides for the payment of liquidated
     damages, shall pay to BT on request such an amount of liquidated damages as
     described in the relevant Work Package.

41.2 Payment of, or BT's right to liquidated damages under this Condition shall
     not affect any of BT's rights under the Condition headed "Termination".

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IN CONFIDENCE

41.3 Without prejudice to any other obligation of the Supplier, in respect of
     each activity specified in Schedules, 6 and, the Supplier shall perform
     the Work Package in accordance with the corresponding contract performance
     requirement.

42   TOOLING

42.1 For the purposes of this Condition, "Tooling" means any equipment and/or
     software developed, produced or used at any time in relation to the
     production of Services and owned or paid for or to be paid for or supplied
     by BT.

42.2 All Tooling shall be BT Items and shall remain the property of BT. Where
     Tooling is not already owned by BT, it shall become the property of BT from
     the date of the first payment by BT for it.

42.3 BT shall have the right, at any reasonable time on reasonable written
     notice to the Supplier, to inspect, or to take possession of, any or all
     Tooling.

42.4 The Supplier shall at all times maintain the Tooling in good condition and
     fit for its intended purpose and shall, within 7 days of receipt of written
     notice from BT, procure or modify any Tooling in accordance with BT's
     reasonable instructions.

42.5 The Supplier shall, within 7 days of the expiry or termination (for
     whatever reason) of the Contract or within 7 days of receipt of a written
     request from BT, physically transfer the Tooling to BT or such third party
     as BT may notify to the Supplier in writing.

42.6 The Supplier shall regularly update and provide to BT a Tooling inventory,
     (including without limitation, details of description, quantity, location,
     rate of production, and the expected life of the Tooling) taking into
     account modifications to it from time to time.

42.7 The Supplier shall be solely responsible for the actions stated in
     paragraphs 4 to 6 of this Condition, including in situations where the
     Tooling is in the possession of a Subcontractor or other agent or nominee
     of the Supplier.

42.8 This Condition shall survive the Contract.

43   TERMINATION

43.1 If either party to the Contract commits a material breach or persistent
     material breaches of the Contract or Supplier or its group companies
     commits any material breach of any other agreement with any BT Group
     Company from time to time, the non-breaching party shall serve written
     notice on the breaching party (i) requiring such breach to be

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IN CONFIDENCE

     remedied within thirty (30) business days, and (ii) the commencing the
     escalation process procedure in clause 34 (such cure period and escalation
     period to run concurrently). If the breaching party fails to remedy the
     material breach within thirty (30) business days of written notice from the
     non-breaching party, then the other party shall have the right to:

     (a) terminate the Contract; and

     (b) make a claim against the breaching party for all direct damages
     resulting from such breach, subject to, and in accordance with the terms
     herein.

43.2 BT shall have the right at any time to terminate the Contract immediately
     and to make a claim against Supplier for, all direct damages resulting if
     the Supplier shall become insolvent or cease to trade or compound with its
     creditors; or a bankruptcy petition or order is presented or made against
     the Supplier; or where the Supplier is a partnership, against any one
     partner, or if a trustee in sequestration is appointed in respect of the
     assets of the Supplier or (where applicable) any one partner; or a receiver
     or an administrative receiver is appointed in respect of any of the
     Supplier's assets; or a petition for an administration order is presented
     or such an order is made in relation to the Supplier; or a resolution or
     petition or order to wind up the Supplier is passed or presented or made or
     a liquidator is appointed in respect of the Supplier (otherwise than for
     reconstruction or amalgamation).

43.3 [***]

     "Change of Control" means any of the following transactions which result in
     a third party acquiring Control (as defined below) of the Supplier or its
     direct or indirect holding company (or its or their business or assets):
     (A) a merger, consolidation, business combination, recapitalization,
     liquidation, dissolution or similar transaction involving the Supplier (or
     its direct or indirect holding company); (B) the acquisition by any person
     or group (including by way of a tender or exchange offer or issuance by the
     Supplier ) (or its direct or indirect holding company), directly or
     indirectly, of beneficial ownership or a right to acquire beneficial
     ownership of shares in the Supplier (or its direct or indirect holding
     company) or (C) a sale or other disposition by the Supplier (or its direct
     or indirect holding company) of assets or earning power aggregating a
     majority of the assets or earning power of the Supplier (or its direct or
     indirect holding company), excluding all sales of equity pursuant to an
     initial public or subsequent public offering by Supplier (or its direct or
     indirect holding company) or (D) or any agreement to do any of the
     foregoing.

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IN CONFIDENCE

     "Control" shall mean the legal or beneficial ownership of more than 50% of
     the voting or equity interests or assets of the Supplier (or its direct or
     indirect holding company); or the power or right to direct or cause the
     direction of the management and/or affairs of the Supplier (or its direct
     or indirect holding company) or its or their business (including acting as
     the general partner of a limited partnership).

43.4 Except as otherwise expressly provided in individual Work Packages and
     Purchase Orders, [***], BT may terminate Work carried out under an
     individual Purchase Order and/or Work Package. Termination of Work carried
     out under individual Purchase Orders and/or Work Package shall not affect
     the status of Work carried out or to be carried out under other Purchase
     Orders and/or Work Package issued under the Contract. For the avoidance of
     doubt, any termination by BT under this Clause shall not affect BT's
     obligations under Clause 55 and Schedule 6.

43.5 Where BT terminates the Contract under paragraph 43.4 and does not have any
     other right to terminate the Contract, in addition to Supplier's rights and
     BT's obligations under Clause 55 and Schedule 6, the following shall apply:

     (a)  BT shall subject to subparagraph (b) below, pay the Supplier such for
          Services performed to the date of termination and pay such amounts as
          may be necessary to cover its reasonable costs and outstanding and
          unavoidable commitments (and reasonable profit thereon) necessarily
          and solely incurred in properly performing the Contract in relation to
          Applicable Services (as defined below) prior to termination.

     (b)  BT shall not pay for any such costs or commitments that the Supplier
          is able to mitigate and shall only pay costs and commitments that BT
          has validated to its satisfaction. BT shall not be liable to pay for
          any Applicable Services that, at the date of termination, BT is
          entitled to reject (including any Services for which BT may have put
          into service) or has already rejected. BT's total liability under
          sub-paragraph (a) above shall not in any circumstances exceed the
          price that would have been payable by BT for Applicable Services if
          the Contract had not been terminated.

     (c)  In this paragraph 4, "Applicable Services" means Services in respect
          of which the Contract has been terminated under this paragraph, which
          were ordered by BT under the Contract before the date of termination,
          and for which payment has not at that date become due from BT.

     (d)  Except as expressly set forth in Clauses 43.4 and 43.5, sub-paragraphs
          (a) and (b) above encompass the total liability of BT for

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IN CONFIDENCE

          termination pursuant to this paragraph 4, and BT shall be liable for
          no other costs, claims, damages, or expenses resulting from such
          termination.

43.6 Notwithstanding anything contained above, in the event of termination of
     this Contract for any reason whatsoever, BT shall be liable to pay the
     Supplier all undisputed invoices for the Services rendered up to the date
     of such termination.

43.7 Each right of BT under this Condition is without prejudice to any other
     right of BT under this Condition or otherwise.

44   TRANSITION

Where the Supplier undertakes Work which requires transition:

44.1 The Supplier shall complete transition of the Work (as detailed in the
     relevant Statement of Requirements) within three (3) months ("the
     Transition Period") of commencement of the Work.

44.2 The start date for the transition work shall be identified as Effective
     Date which date shall be mutually agreed in Statement of Requirements...

44.3 The Supplier shall initiate transition for critical work areas identified
     by BT, ahead of the transition start date, by making a transition team
     available by a date to be mutually agreed by both Parties and confirmed in
     Statement of Requirements.

44.4 Project Plan

     If it is not feasible to migrate all the Work identified in the relevant
     Statement of Requirements simultaneously the Supplier should propose a
     project plan to indicate when the Work is to be migrated. The plan should
     be structured to maximise the cost and efficiency benefits that can be
     achieved.

44.5 Transition Plan:

44.5.1 A transition plan shall be agreed between BT and the Supplier, which
     shall include such details as Activities, Elapsed Timescales, Milestones,
     Dependencies and Acceptance criteria for successful completion of the
     transition work.

44.5.2 BT and the Supplier shall hold regular joint management reviews of the
     transition process. The transition plan shall be used to monitor the
     progress of the transition Work.

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IN CONFIDENCE

44.6 REMEDIES:

44.6.1 In the event of the transition work not being completed within the
     Transition Period solely to a default by the Supplier, BT shall have the
     following options:

     (a)  Either, agree an extension of the transition period by up to a maximum
          of 2 months, for which the Supplier shall provide additional resource
          required to complete transition at no extra costs to BT.

     (b)  Upon 30 business days written notice and failure to cure by Supplier,
          BT may terminate the Contract.

     The remedies listed above may apply, subject always to a maximum total
     amount of the costs incurred by BT as a result of this default. BT wishes
     to retain the right to terminate however the total remedy amount described
     above will be the Supplier's sole financial liability and BT's sole
     financial remedy for failure to achieve completion of transition within the
     Transition Period.

44.6.2 In the event of the transition work not being completed within the
     Transition Period as a result of a delay caused by a BT dependency, BT
     shall ensure that any reasonable extra costs incurred by the Supplier are
     reimbursed to a maximum total amount of the extra costs incurred by the
     Supplier.

44.7 Timescales

     The agreement shall be in two parts:

     (a)  Transition, and

     (b)  Ongoing Work

     Commencement of Ongoing Work shall be dependent on the Supplier
     demonstrating that they meet the transition Acceptance criteria as set
     forth in the Work Package.

44.8 Transition Escalation

     In the event of a breakdown or failure in transition that does or could
     reasonably be expected to result in a remedy claim for failure on the part
     of either BT, the Supplier or both the escalation process will be as
     follows:

     BT: BT Transition Manager

     The Supplier: Program Manager

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IN CONFIDENCE

     It will be the responsibility of these managers to consider the instance of
     failure, agree an appropriate course of action to correct the failure,
     assess any financial impact on the disadvantaged party and agree a suitable
     remedy. In the event that this cannot be agreed, it will be referred to
     respective Executive Sponsors for final resolution.

45   EXIT STRATEGY COOPERATION

45.1 If the Contract is terminated by BT, or not renewed with the Supplier
     beyond the Initial Term, and if required by BT, the Supplier shall
     co-operate fully with BT and with any third party nominated by BT, at no
     additional cost to BT, except for undisputed invoices, in facilitating the
     provision of replacement work ("Replacement Work"). Such co-operation shall
     include, without limitation:

     (a)  the supply by the Supplier of such Supplier's Background Information
          as is reasonably necessary to enable Replacement Work to be provided
          in a similar manner to that in which Services had or should have been
          provided by the Supplier; and

     (b)  the granting by the Supplier to BT or, at BT's option, a third party,
          of a licence to use such Supplier's Background Information solely in
          relation to the provision of Replacement Work for a period expiring
          five years after the date of termination (or part termination) of the
          Contract; and

     (c)  the undertaking by the Supplier of reasonable endeavours to procure
          for BT or BT's nominated contractor the grant or transfer of all
          licences and permissions under third party Intellectual Property
          Rights which may from time to time be reasonably necessary for the
          provision of Replacement Work to the extent that such third party
          Intellectual Property Rights have been used in the provision of
          Services by the Supplier.

     For the avoidance of doubt, the Replacement Work shall include for Work
     under a Work Package and/or Purchase Order, which had ceased or lapsed over
     a period of time.

     For the purpose of this clause (Transition Co-operation) "Supplier's
     Background Information" shall mean all Information owned or controlled by
     the Supplier or companies in the same group (as defined by s.53 Companies
     Act 1989) as the Supplier.

45.2 To ensure a smooth transition at the end of the Contract, BT requires the
     Supplier to maintain Documentation relating to the processes and procedures
     used in the execution of the Contract for the Work for the lifetime of the
     Contract.

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IN CONFIDENCE

45.3 Further to the above, the Supplier shall use all reasonable endeavours to
     maintain the Key Personnel throughout the Replacement Work period and in
     the event the Supplier fails, refuses and/or neglects to maintain the same,
     the Supplier shall reimburse BT any cost incurred by BT for any delay on
     the part of Supplier in completing the Replacement Work.

45.4 For the avoidance of doubt, such Documentation shall be subject to the
     Condition titled Intellectual Property of the Conditions of Contract
     schedule.

45.5 The Supplier agrees to vacate BT's premises within a reasonable period and
     deliver to BT those BT assets in the Supplier's custody.

45.6 The provisions of sub-clause 45.1 above shall survive the termination of
     the Contract.

46   INDEMNITY

46.1 Without prejudice to any other rights or remedies available to BT, the
     Supplier shall indemnify BT against all third party claims and proceedings,
     damages, costs and expenses arising or incurred proximately caused by the:

     (a)  death or personal injury of any Contract Personnel in relation to the
          performance of the Contract, except to the extent caused by BT's
          negligence; or

     (b)  death or personal injury of any other person to the extent arising as
          a result of the negligence or wilful acts or omissions of the Supplier
          or Contract Personnel in relation to the performance of the Contract;
          except to the extent caused by BT's negligence ; or

     (c)  loss of or damage to any BT property to the extent arising as a result
          of the negligence or wilful acts or omissions of the Supplier or
          Contract Personnel in relation to the performance of the Contract; or

     (d)  any complaint made pursuant to the Employment Rights Act 1996 (as
          amended, replaced, consolidated or re-enacted from time to time) by
          any Contract Personnel whether in the Employment Tribunal or civil
          courts or otherwise, or, without limitation, as a result of any claim
          or demand by any Contract Personnel in respect of any other claim
          whatsoever within the jurisdiction of an Employment Tribunal or
          wrongful dismissal, breach of contract or any other claim arising at
          common law, sex, race or disability discrimination or equal pay (in
          all cases, whether arising under UK or European law); or

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IN CONFIDENCE

     (e)  under Part 1 of the Consumer Protection Act 1987 (or any equivalent
          product liability legislation) in relation to Services;

provided that Supplier shall pay all such damages, costs and expenses arising
from such claim as finally awarded against BT to such third party by a court of
competent jurisdiction after all appeals have been exhausted or at the time of a
final settlement of such claims or final award or out of court settlement, if
applicable, subject to the terms set forth in Paragraph 33.11 and 33.12.

46.2 This Condition shall survive the Contract.

47   LIMITATION OF LIABILITY

47.1 Subject to Paragraph 3 of this Condition, neither party shall be liable to
     the other under the Contract for any indirect or consequential loss or
     damage.

47.2 Subject to Paragraph 3 of this Condition the total liability of either
     party to the other under the Contract shall not exceed the greater of
     either:

(a)  [***]

(b)  [***] of the total of all sums paid or due to the Supplier for Services
     performed in the previous 12 months from the date of the claim.

47.3 Paragraphs 1 and 2 of this Condition shall not apply to loss or damage
     arising out of or in connection with:

(a)  death or personal injury or loss or damage for which liability cannot be
     limited or excluded by law; or

(b)  the wilful failure or gross negligence of either party in performing its
     contractual obligations; or

(c)  paragraph 46.1(d) of the Condition headed "Indemnity"; or

(d)  the Conditions headed "Liquidated Damages", "Intellectual Property", or
     "Confidentiality".

47.4 This Condition shall survive the Contract.

48   INSURANCE

48.1 The Supplier shall at its own expense maintain for the Term such insurance
     as is legally required and appropriate in respect of its obligations,
     including, without limitation, third party liability insurance with an
     indemnity limit of not less than [***] for each and every claim and in the
     annual aggregate to the extent that if any claim (a settled

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IN CONFIDENCE

     claim in excess of [***] made by a third party against the Supplier
     materially erodes the third party liability insurance, the Supplier shall
     promptly notify BT of such claim and, if the Services include specialist or
     professional services, professional indemnity insurance with an indemnity
     limit of not less than [***] for each and every claim and in the annual
     aggregate.

48.2 If the Supplier cannot evidence such insurance to BT on request, BT may
     arrange such insurance and recover the cost from the Supplier.

48.3 The Supplier shall notify BT's Commercial Contact as soon as it is aware of
     any event which may give rise to an obligation to indemnify BT under the
     Contract, or to a claim under any insurance required by the Contract.

48.4 This Condition shall not limit the Supplier's liability under the Contract.

49   PUBLICITY

49.1 The parties agree that their respective marketing and public relations
     representatives will work together in good faith to create jointly approved
     releases. Subject to obtaining BT's written consent (not to be unreasonably
     withheld or delayed)Supplier may name BT in a press release as a client and
     as a client in marketing materials, display BT's logo or logos on
     Supplier's website, and use a client brief describing the Services provided
     to BT by Supplier.

50   SOFTWARE

The Supplier warrants that:

     (a)  all Software is free from all forms of:

          (i)  "electronic possession", "logic bombs" "viruses" and "worms" that
               could have been detected by using the latest (at the date of
               despatch) commercially available virus detection software; and

          (ii) "spyware" and "adware"

     (which expressions shall have meanings as they are generally understood
     within the computing industry);

     (b)  after Acceptance by BT, subject to the terms of Section 35, the
          Software will perform in all respects in accordance with the
          Functional Specification for the Warranty Period; and

     (c)  it has and shall employ only good quality materials, techniques and
          standards in performing the Contract and at all times apply the

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IN CONFIDENCE

          standards of care, skill and diligence required of good computing
          practice.

51   SOFTWARE LICENCE

51.1 The Supplier grants to BT a non-exclusive, non-transferable, perpetual,
     irrevocable licence to BT for BT by itself, or by third parties on its
     behalf to use, copy, install, maintain, modify, enhance and adapt the
     Software in accordance with the licence type specified in the Requirements
     section of the Contract, effective from the date such Software is
     respectively delivered to BT.

51.2 Notwithstanding any other provision of the Contract, the Supplier grants to
     BT non-exclusive, royalty free, world-wide rights to any Software supplied
     under the Contract to the effect that BT has:

     (a)  all the rights of a lawful user (as defined in the Copyright (Computer
          Programs) Regulations 1992) of the Software; and

     (b)  the rights to copy, disclose and use for any purpose any Information
          which:

          (i)  has been derived by BT from observing, studying or testing the
               functioning of the Software;

          (ii) relates to the ideas and principles which underline any element
               of the Software; and

          (iii) is not subject to the Suppliers (or its licensor's) copyrights
               in the United Kingdom; and

     (c)  the rights to:

          (i)  use Information obtained from de-compiling the Software to write
               independent, interoperable programs and to supply such
               Information to third parties for that purpose; and

          (ii) copy and adapt the Software for the purposes of error correction,
               repair and maintenance and, where necessary, for the lawful use
               of the Software, and the right to engage a third party for those
               purposes.

For the avoidance of doubt, nothing in the Contract shall prevent BT from
selling or deploying products, systems and services that are developed by BT
using the Software.

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52   ESCROW

The Supplier shall at BT's request and the Supplier's expense, enter to an IPR
deposit arrangement in respect of all Software with BT and an agent acceptable
to BT. The Supplier shall ensure all relevant Information and documentation is
deposited (including, without limitation, all source code and listings) as would
be enable a competent computer programmer readily to understand and maintain the
Software. Without affecting any other rights it may have, BT shall have the
right, free of all charges, to use such source code, Information and
documentation, when released, in order to use or maintain (including to upgrade)
the Software, to modify or have modified the Software, and to license such
modified Software to or have it maintained by third parties.

53   NOTICES

Written notices under the Contract may be delivered by hand, post, facsimile
transmission or e-mail to BT's Commercial Contact or the Supplier's Commercial
Contact (as the case may be) and shall be deemed to be given upon receipt
(except notices sent by facsimile transmission, which shall be deemed to be
given upon transmission).

54   PRICING

The price(s) payable by BT for Supplies, unless otherwise expressly stated in
the Contract, shall be inclusive, where relevant, of all packing, delivery to
Site, any licence fees, installation, testing and commissioning and all other
charges associated with Supplies, but shall exclude VAT.

55   PAYMENT OBLIGATIONS; MINIMUM COMMITMENTS; INVOICING

55.1 Certain obligations of the parties relating to minimum commitments and
     discount structures are set forth in Schedule 6.

55.2 BT will pay due invoices submitted in accordance with this Condition within
     60 days of the later of either the date of the invoice or the date upon
     which the invoice (including electronic copy of invoices) is received by
     BT. All payments shall be made in pounds sterling.

55.3 When payment becomes due, the Supplier shall forward invoices to, unless
     otherwise specified by BT in the Purchase Order:

BT Accounts Payable Team

     PO Box 371
     Parkway Business Centre
     Manchester
     M14 0WE

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IN CONFIDENCE

55.4 Each invoice shall specify: its date; the Contract number; the order
     reference; line reference; the relevant BT item code(s) if appropriate; the
     correct price; the full description of the Supplies to which the invoice
     relates (as defined in the Contract); the portion of the Supplies for which
     payment is due and, if appropriate, the cumulative amount invoiced to date.
     The agreed payment currency and the Incoterm must be specified in relation
     to any non-UK transaction. Any discounts should be separately shown with a
     clear indication of what the discount is for.

56   GENERAL

56.1 The invalidity or unenforceability for any reason of any provision of the
     Contract shall not prejudice or affect the validity or enforceability of
     its other provisions.

56.2 The headings to the Contract provisions are for reference only and shall
     not affect their interpretation.

56.3 No delay, neglect or forbearance by either party in enforcing any provision
     of the Contract shall be deemed to be a waiver or in any way prejudice any
     rights of that party.

56.4 No waiver by either party shall be effective unless made in writing or
     constitute a waiver of rights in relation to any later breach of the
     Contract.

56.5 In relation to its subject-matter, the Contract is the entire agreement
     between the parties and governs their relationship to the exclusion (to the
     extent permitted by law) of any other terms and conditions, including,
     without limitation, those upon which any quotation or tender response has
     been given to BT.

56.6 The Contract is governed by English law and subject to the exclusive
     jurisdiction of the English courts.

56.7 The Supplier shall not be, nor in any way represent itself as, an agent of
     BT and shall have no authority to enter into any obligation on behalf of BT
     or to bind BT in any way.

56.8 Any estimated contract value stated on the front sheet of the Contract is
     for BT administrative purposes only and shall not constitute or imply any
     commitment by BT.

56.9 Except as expressly set out in the Contract no assignment of or licence
     under any Intellectual Property Right or trade mark or service mark
     (whether registered or not) is granted by the Contract.

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56.10 A person who is not a party to the Contract may not enforce any of its
     terms under the Contracts (Rights of Third Parties) Act 1999.

56.11 This Condition shall survive the Contract.

57.  NON -ASSIGNMENT

Supplier shall not assign or transfer any, right, obligation or interest
hereunder without the prior written consent of BT, which consent shall not be
unreasonably withheld or delayed; provided also that the successor/assignee of
any such assignment agrees to be bound by all the terms of this Contract.

58.  OPERATIONAL GOVERNANCE

The parties agree, within one month of contract date, to use commercially
reasonable efforts to establish a program management plan ("PMO") for the
Contract.

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                  SCHEDULE 3 MODEL CLAUSES FOR DATA PROTECTION

THIS SCHEDULE MUST BE COMPLETED AND SIGNED BY THE PARTIES.

STANDARD CONTRACTUAL CLAUSES (PROCESSORS)

For the purposes of Article 26(2) of Directive 95/46/EC for the transfer of
personal data to processors established in third countries which do not ensure
an adequate level of data protection

Name of the data exporting organisation: British Telecommunications plc, 81
Newgate Street, London, EC1A 7AJ

tel.: _____________________ fax: _____________________;

e-mail: ______________________________________________

A company registered in England & Wales Number: ________________________________

(the data EXPORTER)

and

Name of the data importing organisations: ______________________________________

[the Supplier]

Tel: ________________ e-mail: ___________________________ fax: _________________

A company registered in England & Wales Number: ________________________________

[the Sub-Contractor if any]

Address tel.: _____________________ fax: _____________________;

e-mail: ________________________________

A company registered in [India] Number: ________________________________________

(jointly and severally, the data IMPORTER)

HAVE AGREED on the following contractual Clauses (the Clauses) in order to

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adduce adequate safeguards with respect to the protection of privacy and
fundamental rights and freedoms of individuals for the transfer by the data
exporter to the data importer of the personal data specified in Appendix A.

1.   DEFINITIONS

     For the purposes of the Clauses:

     (a)  'personal data', 'special categories of data', 'process/processing',
          'controller', 'processor', 'data subject' and 'supervisory authority'
          shall have the same meaning as in Directive 95/46/EC of the European
          Parliament and of the Council of 24 October 1995 on the protection of
          individuals with regard to the processing of personal data and on the
          free movement of such data (the Directive).

     (b)  'the data exporter' shall mean the controller who transfers the
          personal data;

     (c)  'the data importer' shall mean the processor who agrees to receive
          from the data exporter personal data intended for processing on his
          behalf after the transfer in accordance with his instructions and the
          terms of these Clauses and who is not subject to a third country's
          system ensuring to adequate protection;

     (d)  'the applicable data protection law" shall mean the legislation
          protecting the fundamental rights and freedoms of natural persons and,
          in particular, their right to privacy with respect to the processing
          of personal data applicable to a data controller in the Member State
          in which the data exporter is established:

     (e)  'technical and organisational security measures' shall mean those
          measures aimed at protecting personal data against accidental or
          unlawful destruction or accidental loss, alteration, unauthorized
          disclosure or access, in particular where the processing involves the
          transmission of data over a network, and against all other unlawful
          forms of processing.

2.   DETAILS OF THE TRANSFER

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The details of the transfer and in particular the special categories of personal
data where applicable are specified in Appendix I which forms an integral part
of the Clauses.

3.   THIRD-PARTY BENEFICIARY CLAUSE

(a)  The data subject can enforce against the data exporter this Clause, Clause
     4(b) to (h), Clause 5(a) to (e), and (g), Clause 6(l) and (2), Clause 7,
     Clause 8(2), and Clauses 9, 10 and 11, as third-party beneficiaries.

(b)  The data subject can enforce against the data importer this Clause, Clause
     5(a) to (e) and (g), Clause 6(1) and (2), Clause 7, Clause 8(2), and
     Clauses 9, 10 and 11, in cases where the data exporter has factually
     disappeared or has ceased to exist in law.

(c)  The parties do not object to a data subject being represented by an
     association or other body if the data subject so expressly wishes and if
     permitted by national law.

4.   OBLIGATIONS OF THE DATA EXPORTER

     The data exporter agrees and warrants:

     (a)  that the processing, including the transfer itself, of the personal
          data has been and will continue to be carried out in accordance with
          the relevant provisions of the applicable data protection law (and,
          where applicable, has been notified to the relevant authorities of the
          Member State where the data exporter is established) and does not
          violate the relevant provisions of that State;

     (b)  that he has instructed and throughout the duration of the personal
          data processing services will instruct the data importer to process
          the personal data transferred only on the data exporter's behalf and
          in accordance with the applicable data protection law and these
          clauses;

     (c)  that the data importer shall provide sufficient guarantees in respect
          of the technical and organisational security measures specified in
          Appendix B to this contract;

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     (d)  that after assessment of the requirements of the applicable data
          protection law, the security measures are appropriate to protect
          personal data against accidental or unlawful destruction or accidental
          loss, alteration, unauthorised disclosure or access, in particular
          where the processing involves the transmission of data over a network,
          and against all other unlawful forms of processing, and that these
          measures ensure a level of security appropriate to the risks presented
          by the processing and the nature of the data to he protected having
          regard to the state of the art and the cost of their implementation;

     (e)  that he will ensure compliance with the security measures:

     (f)  that, if the transfer involves special categories of data, the data
          subject has been informed or will be informed before, or as soon as
          possible after, the transfer that his data could be transmitted to a
          third country not providing adequate protection;

     (g)  that he agrees to forward the notification received from the data
          importer pursuant to Clause 5(b) to the data protection supervisory
          authority if he decides to continue the transfer or to lift his
          suspension;

     (h)  to make available to the data subjects upon request a copy of the
          Clauses set out in this Annex, with the exception of Appendix B which
          shall be replaced by a summary description of the security measures.

5.   OBLIGATIONS OF THE DATA IMPORTER

     The data importer agrees and warrants:

     (a)  to process the personal data only on behalf of the data exporter and
          in compliance with his instructions and the clauses; if he cannot
          provide such compliance for whatever reasons, he agrees to inform
          promptly the data exporter of his inability to comply, in which case
          the data exporter is entitled to suspend the transfer of data and/or
          terminate the contract;

     (b)  that they have no reason to believe that the legislation applicable to
          him prevents them from fulfilling the instructions

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          received from the data exporter and his obligations under the Contract
          and that in the event of a change in this legislation which is likely
          to have a substantial adverse effect on the warranties and obligations
          provided by the Clauses, they will promptly notify the change to the
          data exporter as soon as they are aware, in which case the data
          exporter is entitled to suspend the transfer of data and/or terminate
          the contract;

     (c)  that they have implemented the technical and organisational security
          measures specified in Appendix B before processing the personal data
          transferred;

     (d)  that they shall promptly notify the data exporter about:

          (i)  any legally binding request for disclosure of the personal data
               by a law enforcement authority unless otherwise prohibited, such
               as a prohibition under criminal law to preserve the
               confidentiality of a law enforcement investigation;

          (ii) any accidental or unauthorised access; and

          (iii) any request received directly from the data subjects without
               responding to that request, unless he has been otherwise
               authorised to do so;

     (e)  to deal promptly and properly with all inquiries from the data
          exporter relating to his processing of the personal data subject to
          the transfer and to abide by the advice of the supervisory authority
          with regard to the processing of the data transferred;

     (f)  at the request of the data exporter to submit his data processing
          facilities for audit of the processing activities covered by the
          clauses which shall be carried out by the data exporter or an
          inspection body composed of independent members and in possession of
          the required professional qualifications bound by a duty of
          confidentiality, selected by the data exporter, where applicable, in
          agreement with the supervisory authority;

     (g)  to make available to the data subject upon request a copy of the
          Clauses set out in this Annex, with the exception of Appendix B

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          which shall be replaced by a summary description of the security
          measures in those cases where the data subject is unable to obtain a
          copy from the data exporter.

6.   LIABILITY

1.   The parties agree that a data subject, who has suffered damage as a result
     of any violation of the provisions referred to in Clause 3 is entitled to
     receive compensation from the data exporter for the damage suffered.

2.   If a data subject is not able to bring the action referred to in paragraph
     I arising out of a breach by the data importer of any of his obligations
     referred to in Clause 3 against the data exporter because the data exporter
     has disappeared factually or has ceased to exist in law or became
     insolvent, the data importer agrees that the data subject may issue a claim
     against the data importer as if he were the data exporter.

3.   The parties agree that if one party is held liable for a violation of the
     clauses committed by the other party, the latter will, to the extent to
     which it is liable, indemnify the first party for any cost, charge,
     damages, expenses or loss it has incurred.

     Indemnification is contingent upon:

     (a)  the data exporter promptly notifying the data importer of a claim; and

     (b)  the data importer being given the possibility to cooperate with the
          data exporter in the defense and settlement of the claim.

7.   MEDIATION AND JURISDICTION

1.   The data importer agrees that if the data subject invokes against him
     third-party beneficiary rights and/or claims compensation for damages under
     the clauses, the data importer will accept the decision of the data
     subject:

     (a)  to refer the dispute to mediation, by an independent person or, where
          applicable, by the supervisory authority;

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     (b)  to refer the dispute to the courts in the Member State in which the
          data exporter is established.

2.   The data importer agrees that, by agreement with the data subject, the
     resolution of a specific dispute can he referred to an arbitration body if
     the data importer is established in a country which has ratified the New
     York Convention on enforcement of arbitration awards.

3.   The parties agree that the choice made by the data subject will not
     prejudice his substantive or procedural rights to seek remedies in
     accordance with other provisions of national or international law.

8.   COOPERATION WITH SUPERVISORY AUTHORITIES

1.   The data exporter agrees to deposit a copy of this contract with the
     supervisory authority if it so requests or if such deposit is required
     under the applicable data protection law.

2.   The parties agree that the supervisory authority has the right to conduct
     an audit of the data importer which has the same scope and is subject to
     the same conditions as would apply to an audit of the data exporter under
     the applicable data protection law.

9.   GOVERNING LAW

The Clauses shall be governed by the law of the Member State in which the data
exporter is established, namely England and Wales.

10.  VARIATION OF THE CONTRACT

The parties undertake not to vary or modify the terms of the Clauses.

11.  OBLIGATION AFTER THE TERMINATION OF PERSONAL DATA PROCESSING SERVICES

1.   The parties agree that on the termination of the provision of data
     processing services, the data importer shall, at the choice of the data
     exporter, return all the personal data transferred and the copies thereof
     to the data exporter or shall destroy all the personal data and certify to
     the data exporter that he has done so, unless legislation imposed upon the
     data importer prevents him from returning or destroying all or part

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IN CONFIDENCE

     of the personal data transferred. In that case, the data importer warrants
     that he will guarantee the confidentiality of the personal data transferred
     and will not actively process the personal data transferred anymore.

2.   The data importer warrants that upon request of the data exporter and/or of
     the supervisory authority, he will submit his data processing facilities
     for an audit of the measures referred to in paragraph 1.

ON BEHALF OF THE DATA EXPORTER:

Name (written out in full):

-------------------------------------

Position:

-------------------------------------

-------------------------------------

Address:

-------------------------------------

Signature
          ---------------------------

ON BEHALF OF THE DATA IMPORTER:

Name [the Supplier]:

-------------------------------------

-------------------------------------

Position:

-------------------------------------

-------------------------------------

Address:

-------------------------------------

-------------------------------------

Signature
          ---------------------------

Name [the Sub-Contractor if any] :

-------------------------------------

-------------------------------------

Position:

-------------------------------------

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-------------------------------------

Address:

-------------------------------------

-------------------------------------

Signature
          ---------------------------

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     SCHEDULE 3 APPENDIX A

THIS APPENDIX MUST BE COMPLETED AND SIGNED BY THE PARTIES

     DATA EXPORTER

     The data exporter is British Telecommunications plc who has

     DATA IMPORTER

     The data importer is

     DATA SUBJECTS

     The personal data transferred concern the following categories of data
     subjects:

     CATEGORIES OF DATA

     The personal data transferred concern the following categories of data:

     (ARROW)

     SPECIAL CATEGORIES OF DATA (IF APPROPRIATE)

     No data classified as Sensitive Personal Data will be processed outside the
     EEA.

     PROCESSING OPERATIONS

     The personal data transferred will be subject to the following basic
     processing activities:

DATA EXPORTER                           DATA IMPORTER

Name:                                   Name
      -------------------------------        -----------------------------------
      Authorised signature                   Authorised signature

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SCHEDULE 3 APPENDIX B

THIS APPENDIX MUST BE COMPLETED AND SIGNED BY THE PARTIES

Description of the technical and organisational security measures implemented by
the data importer in accordance with Clauses 4(d) and 5(c) (Schedule 3):
_________________________

Generic measures for each service line in Appendix A [1 though 6]

Operational Organizational Measures

Technical and Security Measures

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SCHEDULE 4 THE BT SECURITY POLICY FOR SUPPLIER

This Schedule consists of this Cover Page of BT Security Requirements and BT
Security Policy appended hereto.

The Supplier shall ensure that the provision of the Services and/or the
performance of the Services under this Contract shall not cause the BT Group of
Companies to breach its BT Security Policy and ISO17799 as set out in the
Schedule.

Good security practices are essential to protect both company and customer
related information. This is why, the BT Group of Companies, are committed to
securing compliance with relevant legislation, protecting confidentiality and
maintaining customer confidence by adopting British Standard 7799 and ISO 17799,
which is as follows:

BT SECURITY REQUIREMENT

While information is the cornerstone of our ability to provide superior service,
our most important asset is our customers' trust. Keeping information secure,
and using it only as it is intended to be used, is a top priority for all of us
at BT. In order to establish and maintain the levels of information security
during the Term of this Contract on the part of the Supplier, Supplier and it's
Contract Personnel must comply with the BT Security Policy. To the extent that
the terms of this Schedule conflict with terms of this Contract between Supplier
and BT, the terms of this Schedule shall prevail.

1    DEFINITIONS

The following expressions are used in this Schedule:

"Access" means interconnection with BT Systems and access to BT Information.

"Authorised" means having undergone and being fully compliant with NAIF.

"BT Information" means all information (including BT customer information) used
or accessible to the Supplier in association with providing the Service.

"BT Security Contact" means BT Security Operations Centre (0800321 999) or such
other person whose details shall be notified by BT to the Supplier from time to
time.

"BT Security Policy" means the annexe in Schedule 1.

"BT Systems" means [insert brief description of relevant BT systems] and/or such
other systems as may be agreed in writing from time to time by the BT and the
Supplier.

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"BT Human Resources Policy" means guidelines at www. [TBC] issued by BT in
regards to appointment of Contract Personnel who will work for BT under this
Contract.

"Disaster Recovery Plan" means the Supplier's plans to maintain Service in the
event of natural or man made incident that affects their ability to provide
Service from the primary location and/or site.

"ISO17799" means the International Security Standard.

"NAIF" - Network Authorisation and Interconnect Facility is a procedure to
register all UK and Global network interconnects between BT and external
companies. An interconnect request is initiated by a BT Project Manager by
completing a BT web based form.

"Process" means operational procedures.

"Purposes" means the proper performance by the Supplier of its obligations under
and in accordance with the Contract.

"Standards" means all the relevant standards associated with information
management security.

For the avoidance of doubt without prejudice to the definition of "BT" in the
condition headed "definitions", in this schedule "BT" shall include British
Telecommunications PLC.

"Target" means systems, applications, switches, routers, and any other related
equipment.

2    BT SECURITY REQUIREMENTS AND SUPPLIER'S OBLIGATIONS

The Supplier warrants that it shall take all reasonable steps to comply with BT
Security Policy as well as the detailed policies as follows which shall form the
basis of Supplier's information management and security policy and the Supplier
shall demonstrate to BT that it has either achieved compliance with ISO17799 or
is working towards such achievement.

2.1  The Supplier shall comply with BT policy on information classification,
     handling and disposal.

2.2  The Supplier shall comply with BT's physical and logical access controls.

2.3  The Supplier shall not use BT Information for any purpose other than for
     the Purposes and performance of the Services.

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2.4  The Supplier shall take reasonable steps (subject to the provision of the
     Contract) to preserve the integrity of BT Information and to prevent any
     corruption or loss of BT Information.

2.5  The Supplier shall permit BT or its authorised representatives access at
     any time to any premises or computer equipment at or from which Access can
     be obtained in order to verify compliance with the Contract by performing
     physical and logical audits as well as penetration testing to ensure
     compliance with BT Security Policy and Standards.

2.6  BT requires the Supplier to maintain systems which detect and record any
     attempted damage, amendment or unauthorised access to BT Information.

2.7  The Supplier authorises BT to investigate any security breach, including
     the confiscation for evaluation of any suspected or infringing hardware.

2.8  The Supplier shall train all the Contract Personnel in security awareness
     to BT standards, with special emphasis on the secure handling and
     management of passwords, tokens and information. Contract Personnel may be
     expected to complete the BT CBT training modules or equivalent, as advised
     by BT during the Term of the Contract.

2.9  The Supplier shall use its best endeavours to ensure that any link, email
     or any communication whatsoever that convey information relating to this
     Contract and/or the Services and traverse a non-BT owned network, the said
     information must be protected by encryption to the standards defined in the
     BT Security Policy particularly 3 DES 128 bit.

2.10 The Supplier shall appoint a single point of contact for any security
     issues i.e. a senior manager or CIO responsible for security.

2.11 When requested by BT, the Supplier shall make available for review the
     Supplier's Disaster Recovery Plan with respect to this Contract and
     recovery plan exercise, practice, rehearsal or drill results.

2.12 The Supplier shall make available for review the Supplier's operational
     procedures relevant to this Contract to determine the Supplier's compliance
     with BT Security Policy.

2.13 The Supplier shall conduct recruitment checks, subject to the restrictions
     (legal or otherwise) and customary practices applicable in the jurisdiction
     in which the recruitment checks are conducted, to comply with BT Human
     Resources Policy found in Appendix 2 of this

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     Schedule and supply BT with documentary evidence of such checks as and when
     requested by BT.

2.14 The Supplier shall notify the BT Security Contact of any changes to its
     Access method through the firewalls, including the provision of network
     address translation.

2.15 The Supplier shall notify BT immediately should any Contract Personnel be
     removed for any reason whatsoever from this Contract thus enabling BT to
     disable, transfer or modify the access rights to systems and information.

2.16 The Supplier shall not (and, where relevant, shall procure that any
     Contract Personnel shall not) without the prior written consent of the BT
     Security Contact connect any equipment not supplied by BT to any BT LAN
     port.

2.17 The Supplier shall inform the BT Security Contact immediately upon its
     becoming aware of any actual or suspected unauthorised Access or misuse of
     BT Systems or BT Information or breach of any of the Supplier's obligations
     under this Condition.

2.18 The Supplier consents to BT's gathering information relating to Access.
     This information may be collected, retained, and analysed to identify
     potential security risks and may include, but is not limited to, trace
     files, statistics, network addresses, and the actual information or screens
     accessed or transferred.

2.19 The supplier shall ensure that all BT information, contract personnel and
     networks involved with this contract are logically and physically separated
     in a secure manner from all other information, personnel or networks
     created or maintained by the Supplier.

3    ACCESS

3.1  BT allows (so far as it can and is able to do so) the Supplier, while the
     Supplier is Authorised Access solely for the Purposes.

3.2  In relation to Access, the Supplier shall (and, where relevant, shall
     procure that all Contract Personnel shall):

     (a)  ensure each individual user has a unique user identification and
          password known only to such user.

     (b)  promptly provide to BT such reports as BT shall from time to time
          require concerning the Supplier's use and security of Access and any
          related matters.

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IN CONFIDENCE

     (c)  ensure that physical access to computer equipment having Access or
          storing or having access to BT Information is password-protected to
          reflect the Supplier's obligations.

     (c)  ensure onward bridging or linking to BT computer systems is prevented
          unless authorised by BT and complies with Security Standards as
          defined in the BT Security Policy.

     (d)  ensure no viruses or malicious code (as the expressions are generally
          understood in the computing industry) are introduced to and that there
          is no corruption of BT Systems or BT Information.

4    SECURITY REVIEW

4.1  The Supplier is cognisant of BT's requirement to carry out regular
     assessment of Supplier's compliance of BT Security Policy which would
     include all elements of physical and logical audits, penetration testing
     and items listed in Clause 2 and 3 above of the Supplier's Systems
     ("Security Review"). The Supplier shall facilitate this assessment by
     permitting BT to collect, retain and analyse information to identify
     potential security risks and may include but not limited to trace files,
     statistics, network addresses and the actual information or screens
     accessed or transferred.

4.2  In the event, BT identifies a threat, to the confidentiality, integrity or
     availability of BT Information in Supplier's Process or Systems, Supplier
     shall promptly correct any threat of security risk in the Supplier's
     Process or Systems that is revealed in the Security Review, as soon as
     reasonably practicable under the circumstances.

4.3  Supplier shall co-operate in any Security Review, providing reasonable
     access, accommodation, facilities and assistance to BT employees all
     Supplier's Systems as reasonably necessary to verify the integrity of
     security of Supplier's Systems including permitting interview of any sales,
     engineering or other operational personnel of Supplier to ensure compliance
     of BT Security Policy to Supplier's premises.

5    TERMINATION

5.1  In the event, the Supplier fails, neglects and/or refuses to rectify the
     Security Risk as identified in the Security Review during the Term of the
     Contract within thirty (30) days of written notice of such breach from BT,
     BT may terminate this Contract for material breach without prejudice to any
     other rights BT may have against the Supplier under this Contract for
     breach and/or default.

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IN CONFIDENCE

5.2  The Supplier shall indemnify BT from and against any third party costs,
     losses, damages, proceedings, claims, expenses or demands incurred or
     suffered by BT which arise as a result of third party claims against BT as
     a result of this breach by the Supplier of its obligations under this
     Schedule;

     provided that Supplier shall pay all such damages, costs and expenses
     arising from such claim as finally awarded against BT to such third party
     by a court of competent jurisdiction after all appeals have been exhausted
     or at the time of a final settlement of such claims or final award or out
     of court settlement, if applicable, subject to the terms set forth in
     Paragraph 33.11 and 33.12.

6    RIGHTS AFTER TERMINATION

If the Supplier has during the course of the Contract received Information in a
recorded form from BT (or has recorded received Information), the Supplier shall
return or destroy such records upon:

          (a)  expiry or termination of the Contract; or

          (b)  upon earlier request unless such records are part of the
               Services.

7    ACCESS TO SUPPLIER SYSTEMS

7.1  If Contract Personnel is granted access to the Suppliers Systems that hold,
     process or access BT Information the Supplier shall:

     a)   ensure each individual Contract Personnel has a unique user
          identification and password known only to such user for their sole
          use.

     b)   promptly provide to BT such reports as BT shall from time to time
          require concerning the Supplier's use and security of access to
          Supplier Systems.

     c)   allow access to BT Information and application system functions in
          Supplier System to the minimum required to enable the Contract
          Personnel perform their duties.

     d)   allow access to Contract Personnel holding or accessing BT Information
          using a secure login process.

     e)   establish formal procedures to control the allocation and
          de-allocation of access rights to Contract Personnel who have access
          to BT Information and/or system functions

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     f)   ensure that the allocation and use of powerful privileges and access
          to sensitive tools and facilities in Supplier Systems are controlled
          and limited to only those users who have a business need.

     g)   ensure that the allocation of user passwords to Supplier Systems that
          hold or access BT Information is controlled through a formal auditable
          management process.

     h)   conduct regular reviews of user access rights.

     i)   ensure that remote and home working activities are only permitted
          where authorised by BT and subject to appropriate security controls
          within the Supplier's organisation including but not limited to remote
          access by users is subject to strong authentication.

     j)   demonstrate that users follow good security practices in the
          management of their passwords.

     k)   ensure that a password management system is in place to provide a
          secure and effective interactive facility that ensures quality
          passwords.

     l)   ensure that user sessions are terminated after a defined period of
          inactivity.

     m)   ensure that audit logs are generated to record user activity and
          security-relevant events.

     n)   ensure that monitor audit and event logs is performed by Supplier's
          staff independent of those users being monitored.

     o)   make available audit logs where required by the requirements in the
          Order to BT for review.

     p)   use encryption techniques ( as a minimum 3 DES 128 bit) to protect the
          confidentiality and integrity of sensitive information.

     q)   harden all systems holding, processing or accessing BT Information to
          BT standards (available from the BT Standards web site on request).

     r)   ensure that development, test and live environments are segregated
          from the other work areas in Supplier's buildings.

     s)   implement controls to detect malicious software and protect against
          the malicious software...

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IN CONFIDENCE

7.2  The Supplier must demonstrate that Contract Personnel who hold and use data
     on PCs and mobile computing devices are responsible for ensuring that the
     PCs and mobile computing device are protected from unauthorised access. BT
     Information with classification "In Confidence" and above information must
     be encrypted on all mobile computing devices

7.3  The Supplier shall ensure that all Supplier Systems have formal security
     incident management procedures with defined responsibilities.

7.4  Any un-authorised software is identified and removed from Supplier Systems
     holding, processing or accessing BT Information.

7.5  Access to diagnostic and management ports as well as diagnostic tools must
     be securely controlled to BT's reasonable satisfaction.

7.6  Access to audit tools must be restricted.

7.7  Enhanced independent code reviews are be performed (including penetration
     testing) on all Supplier Systems.

7.8  Supplier's servers must not be deployed on un-trusted networks without
     appropriate security controls.

7.9  Changes to any Targets must be controlled and subject to formal change
     control procedures. All documentation relating to Targets must be protected
     from un-authorised access or amendment.

7.10 Security procedures and controls must be used to secure equipment holding,
     accessing or processing BT Information used in Supplier Systems but outside
     the Suppliers premises.

8    BUSINESS CONTINUITY

8.1  When requested by BT, the Supplier shall make available for inspection the
     Supplier's business continuity plan and disaster recovery plans with
     respect to this Contract and recovery plan exercise, practice, rehearsal or
     drill results.

8.2  The Supplier must demonstrate that they have conducted a thorough business
     impact analysis and risk analysis which takes an holistic view of possible
     disruption to their ability to meet BT's business requirements on the
     occurrence of a force majeure event that has or is likely to have an effect
     on the Services or on

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     the occurrence of disaster from natural or man made incident that affects
     their ability to provide Service from the primary location and/or site.
     Consideration of the following 8 dimensions of their operations should be
     demonstrable to BT.

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8.3

<TABLE>
<CAPTION>
     ASPECT OF
     CORPORATE
    RESILIENCE                  EXAMPLES OF RISKS (BUT NOT EXCLUSIVELY)
-------------------   ----------------------------------------------------------
<S>                   <C>
NETWORKS              Single points of failure or nodes which are insufficiently
                      protected, either physically or with disaster recovery
                      solutions

SYSTEMS               a critical system which is supported from only a single
                      building, has no disaster recover fall back capability,
                      has no feasible workaround if down, running on unsupported
                      software or is supported by only a very few people with
                      highly specialised skills.

PEOPLE AND PROCESES   a critical process can only be operated by a few people
                      with specialist skills or knowledge; people operating in
                      areas with environmental or civil unrest threats

PROPERTY              A key process can be operated from only one or two
                      specific locations; the building/site is of sub-standard
                      construction or poorly maintained or there is an
                      environmental hazard to buildings (nearby danger of fire,
                      flood, civil disturbance, traffic congestion preventing
                      access etc)

SUPPLY CHAIN          A dependency on a single supplier for a service/product
                      without which the service/product could not be (this
                      includes internally traded services/products) delivered to
                      time and quality that BT expects.

DATA                  Information necessary to support BT business is poor
                      quality, not sufficiently available or not sufficiently
                      secure

CUSTOMERS             Will the business be able to survive the loss of a major
                      contract or conversely deliver on a significant increase
                      in business without loss of quality?
</TABLE>

8.4  Supplier must produce a report of risks resulting from a business impact
     analysis/risk assessment ("BIA/RA") which is supplied to BT in a form
     defined by BT at the time such that it is suitable for inclusion in the BT
     risk review process.

8.5  For risks of a severity level which is determined by BT at the material
     time, the Supplier must be able to show a plan to mitigate the risk within
     a time period agreed with BT.

8.6  The Supplier must produce an end-to-end business continuity plan for all
     key processes supporting BT within a single framework of business
     continuity. The plans for all key buildings which buildings from where
     Services are provided with

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IN CONFIDENCE

     associated risk assessment and fallback exercise results must be available
     for BT to inspect.

8.7  The Supplier's business continuity strategy should be compliant with
     BS25999 or an equivalent local country standard. Supplier has a continued
     focus on strengthening the resiliency of its business. To that end,
     Supplier has a Risk Management Team focused on business continuity.
     Supplier has also engaged with a leading third party risk management
     consulting firm to assist Supplier to build a standards based business
     continuity framework in alignment with the new BS 25999 standard. As the
     BS25999 standard has only recently become finalized, Supplier has already
     established a goal to become compliant with the recently finalized BS25999
     by December 31, 2007.

     Supplier is currently ISO 27001 certified. This certification ensures
     compliance with not only information security but also business continuity
     best practices.

8.8  The Supplier must be able to demonstrate that business continuity is
     embedded in its culture through regular communications and ensuring
     ownership within operational teams as well as through central
     co-ordination.

8.9  The Supplier's BIA/RA and business continuity plans must be reviewed,
     maintained and tested regularly (at least annually). The results of such
     review and testing must be available to BT on request.

8.10 The Supplier must be able to demonstrate that any partner companies,
     sub-contractor, outsourcing agencies or other suppliers on which it depends
     to deliver BT requirements are resilient and have a similar and sufficient
     degree of business continuity requirements as are imposed on the Supplier
     by this Contract. These processes shall include incident reporting
     including internal escalation within the Supplier's company, together with
     immediate escalation and reporting of defined events to BT in accordance
     with the Schedule headed "Governance".

8.11 The Supplier shall immediately notify BT Security Contact if it becomes
     aware of anything that may have a material adverse effect on the Supplier's
     ability to perform its obligations under this Contract or is experiencing
     an incident of a severity where it is judged that it is possible that BT
     business may be impacted.

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8.12 The Supplier must be able to demonstrate a robust incident management
     strategy which must be regularly exercised. The BT Security Contact must be
     notified of planned exercises to give BT the opportunity to attend and
     observe these exercises as appropriate, and the results of such exercises
     made available to BT.

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IN CONFIDENCE

SCHEDULE 4 APPENDIX 1 - BT SECURITY POLICY

[***]

[***]

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SCHEDULE 4 APPENDIX 2 - BT HUMAN RESOURCES RECRUITMENT POLICY

1.   SUPPLIER'S SELECTION PROCESS

The Supplier shall:

1.1  Confirm that, as a minimum requirement, their recruitment policy and
     processes align with BT's pre-employment checks, policy and processes, in
     particular in relation to basic ID checks, references, health declaration
     and criminal convictions, as detailed below;

1.2  Warrant that the Contract Personnel provided to perform Work under the
     Contract meet, and continue to meet for the duration of their assignment
     under the terms of this Contract, BT's minimum pre-employment requirements;

1.3  ensure that no individual who has previously held a BT contract of
     employment, and has left BT on redundancy terms, is assigned to a BT Work
     Package in the same capacity (grade or job type) or location that they were
     employed in on their last official day with BT. In any event, where any
     person who has taken redundancy from BT is assigned back to BT through the
     Supplier, a minimum of 28 days must have elapsed between their last
     official day with BT and the first day of assignment to BT.

1.4  Provide BT with documentary evidence of the requirements detailed herein on
     request from BT.

2.   VETTING OF CONTRACT PERSONNEL

2.1  The Supplier shall ensure that the following checks have been undertaken
     prior to contract personnel being assigned to the Contract. Full details
     shall be retained on file and made available to BT at BT's request.

     A)   IDENTITY - to be verified by current Photographic ID such as current
          Passport or photographic Driving Licence.

     B)   PROOF OF RESIDENCE - verified by one of the following e.g. Utility
          Bill, National Insurance or Medical Card, Tenancy Agreement or
          equivalent.

     C)   RIGHT TO WORK IN THE COUNTRY THAT THE WORK IS TO BE PERFORMED - If
          Work is to be performed in the UK, the right to work must be verified
          in line with the Immigration and Asylum Act 1996 regulations and a
          valid Work Permit must be produced for non-UK nationals where there is
          no standard right of employment agreement in place.

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          For all other countries where Work is to be performed, the Supplier
          shall ensure that it meets any specific legal and or regulatory
          requirements as appropriate.

     D)   EDUCATIONAL AND PROFESSIONAL QUALIFICATIONS (IF REQUESTED BY BT AS
          PART OF A WORK PACKAGE) - The Supplier shall ensure that all documents
          presented by the Contract Personnel are original copies and that
          copies are held on file and available for inspection by BT on request.

     E)   CRIMINAL CONVICTIONS DISCLOSURE - Prior to an offer of employment
          being made, the Supplier shall ensure that all potential Contract
          Personnel sign a statement declaring whether they have any criminal
          convictions, or are subject to any ongoing criminal investigations.
          Where the individual makes any such declaration, the Supplier shall
          assess the situation and, if in any doubt, refer the application to BT
          for joint review and agreement.

          In relation to Work performed on-site in the UK, the Supplier shall
          ensure that all contract personnel sign a Criminal Disclosure
          Certificate that has been issued within the past two years. If the
          Supplier fails to ensure that Contract Personnel do not meet this
          requirement within 30 days of the start of the assignment, BT shall
          have the right to remove such personnel from the Contract without
          prior notice and the Supplier shall be liable for providing a
          replacement at its own cost.

     F)   HEALTH DECLARATION - The Supplier shall ensure that potential Contract
          Personnel sign a health declaration form sufficient to enable a full
          assessment of health to be undertaken by the Supplier.

2.2  BT shall have the right of access to all documentation relating to the
     recruitment process and to appoint a BT representative to assist and/or
     monitor the recruitment process e.g. interview selection, on request.

2.3  The Supplier shall complete a summary checklist confirming that all the
     above checks have been made, and appropriate documentation (original) has
     been evidenced and copies held on file. The summary checklist shall include
     as a minimum:

     -    Candidate Name.

     -    Line Manager.

     -    Vacancy Job Title and BT Work Package, Purchase Order or Project name.

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IN CONFIDENCE

     -    Photographic proof of identity.

     -    Proof of residence.

     -    Proof of right to work.

     -    Educational and professional qualifications.

     -    Criminal Convictions Disclosure completed and signed.

     -    Health Declaration completed and signed.

     -    Signature and full details of duly authorised Supplier representative
          to verify the above.

2.4  The Supplier shall ensure that all Contract Personnel assigned to this
     Contract are contractually obligated, under their conditions of employment,
     to notify the Supplier immediately of any material change in their personal
     circumstances that may impact on the status of their employment including,
     but not limited to, for example: criminal convictions and/or cases pending,
     health declaration, right to work in the country where Work is to be
     performed etc..

3.   REFERENCING

3.1  The Supplier shall follow the referencing procedure outlined below at all
     times. Each item must be viewed as progressive, failure to comply with each
     item, in order shown, shall result in rejection of a potential assignee to
     the Contract. All Contract Personnel shall be fully referenced by the
     Supplier for a period of 3 years in writing.

     a)   Exceptionally, and only by agreement with BT, where BT requires
          contract personnel at short notice (and this cannot be done prior to
          commencement of assignment) the Supplier must ensure that verbal
          references are taken and recorded on file, specifying name of referee,
          date reference was taken, responses given and the name of the
          consultant who took the reference. BT reserves the right to request
          evidence that verbal references have been taken.

     b)   The Supplier shall undertake an interview to establish the background
          of the potential Contract Personnel to BT. The Supplier shall
          investigate the individual's employment history, including previous
          employers, nature and periods of work or unemployment e.g. student's,
          housewife or receiving government benefit. If the Supplier is not
          fully satisfied at the time of interview and the information given
          cannot be substantiated, then the Supplier must reject the individual
          from being assigned to the Contract.

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     c)   The Supplier shall follow up the individual's references by requesting
          written confirmation from previous employers. The only exception to
          this shall be where the previous individual's employer(s) has been
          declared as bankrupt. If this is the case, the Supplier shall seek
          further employment references and verification of character.

     d)   Where a character/personal reference is sought, the Supplier must
          ensure this is obtained from a person with an authoritative status
          such as that of a professional or managerial nature. These references
          shall be verbally verified, such verbal verification being
          appropriately recorded and held on file.

     e)   If the individual so assigned was a Contract Personnel for an existing
          client of the Supplier, the Supplier must seek to ensure the
          individual has been fully referenced in accordance with this clause.
          BT reserves the right to audit any of the above at any time,
          throughout the duration of the contract.

     f)   The Supplier shall complete a referencing certificate for all Contract
          Personnel assigned to the Contract. A copy shall be retained in the
          Contract Personnel's work record / personnel file to complete the
          audit trail.

4.   QUALITY OF CONTRACT PERSONNEL

4.1  Skills and Experience

     4.1.1 Contract Personnel must be willing to undertake the full range of
          responsibilities required by individual Work Packages/Purchase Orders
          and in accordance with the full terms and condition of this Contract.

     4.1.2 It shall be the responsibility of the Supplier to provide personnel
          with the necessary skills, qualifications, experience and personal
          qualities in order that they are fully equipped to undertake the full
          requirements outlined in the job dimension and individual role as
          defined by the BT Work Package/Purchase Order.

     4.1.3 The Supplier must show a commitment to equal opportunities in their
          recruitment to all people meeting the requirements of the job
          irrespective of their race, religion, sex, age, marital status or
          disability.

     4.1.4 All Contract Personnel shall be expected to demonstrate a high level
          of commitment and motivation to work well as part of a team, to be
          measured by periodic individual appraisals undertaken by the Supplier.

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IN CONFIDENCE

     4.1.5 All Contract Personnel deployed against the Contract must meet the
          necessary standards of conduct and appearance as reasonably required
          by BT.

4.2  Individual Appraisals: The Supplier shall issue individual appraisals on
     its own forms, to measure the performance and progress of Contract
     Personnel. These forms shall be issued after the initial 6 months period
     and then again at 12 months, and subsequently at twelve monthly intervals.
     If the assignment is of less than 6 months, an appraisal shall be issued at
     the end of the Assignment. The format and content of the Supplier's
     individual appraisal shall be approved and agreed with BT.

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IN CONFIDENCE

SCHEDULE 4 APPENDIX 2 ANNEX 1

IN STRICTEST CONFIDENCE

CRIMINAL DISCLOSURE DECLARATION

NAME ________________________________

ADDRESS _____________________________

_____________________________________

_____________________________________

Have you ever been found guilty by a court or court martial of any offence or is
there any case against you pending?

                                 Yes [ ] No [ ]

IF YES - PLEASE PROVIDE DETAILS:-

SIGNED:
        -----------------------------
DATE
     --------------------------------

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SCHEDULE 5 - INTENTIONALLY LEFT BLANK

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SCHEDULE 6 - IT SERVICES

1    SCOPE OF WORK

1.1  The Supplier shall provide a range of IT Services to BT, and to any BT
     programmes without restriction to group or division under this Contact.
     Supplier shall thus have the right to provide IT Services to, or for, all
     BT programmes. Specific requirements and terms of any engagement shall be
     detailed in individual Statement of Requirements or Work Packages that may
     be agreed from time to time during the Term of the Contract."

1.2

<TABLE>
<CAPTION>
Software Product Maintenance and Support   IT related Professional Services
----------------------------------------   -------------------------------------
<S>                                        <C>
-    2nd and 3rd line Software support     -    3rd party software development
-    Applications support                       services
-    Database administration               -    Applications management
-    Databuild                             -    Business analysis
-    Helpdesk                              -    IT consultancy
-    Software maintenance                  -    IT programme management
                                           -    IT project managements
                                           -    Systems integration
                                           -    Technical specialists
                                           -    Validation, Verification and
                                                testing (VV&T services)
</TABLE>

1.3  INTENTIONALLY LEFT BLANK

1.4  The Work shall be performed subject to BT's Statement of Requirements and
     the Terms and Conditions of the Contract, including BT Generic Standards
     and BT Security Requirements.

2    ORDERING PROCESS

2.1  BT specific requirements for provision of IT Services under the Contract
     shall be detailed in individual Statement of Requirements produced by the
     BT project manager.

2.2  At BT's request, the Supplier shall provide a formal quotation, in line
     with the overall Terms and Conditions of the Contract, for the provision of
     Services detailed in the individual Statement of Requirements. Such
     quotations shall bear a unique reference for identification purposes.

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IN CONFIDENCE

2.3  For any time and materials ("T&M") based RFQ's, pricing information must be
     provided by the Supplier using the pricing template attached at Appendix 1
     along with any supplementary information.

2.4  For any fixed price ("FP") based RFQs, pricing information must be provided
     by the Supplier using the cost information template in Appendix 1.

2.5  Where the Supplier submits a quotation for a Requirement which falls
     outside of the maximum prices outlined in paragraph 4 above, the Supplier
     shall provide detailed reasons supported by detailed costings.

2.6  A request from BT for a quotation (RFQ) shall not constitute an offer by BT
     to enter into a Contract for provision of Services, but is an invitation to
     the Supplier to submit a proposal to BT.

2.7  The Supplier's proposal in response to a RFQ shall constitute an offer to
     BT, which shall be open for acceptance by BT for a period of 90 days from
     the date of the proposal.

2.8  In the event that BT accepts an offer, BT shall formally notify the
     Supplier by issue of an individually numbered Purchase Order. No commitment
     shall be deemed to have been made by BT prior to the issue of a Purchase
     Order, duly authorised by BT Corporate Procurement Partners.

2.9  In the event that BT rejects an offer, then BT shall not have any liability
     for any costs incurred for work done by the Supplier in preparing a
     proposal in response to a RFQ.

2.10 Work carried out under an individual Purchase Order may be terminated in
     accordance with the Condition headed "Termination". Termination of Work
     carried out under individual Purchase Orders shall not affect the status of
     Work carried out or to be carried out under other Purchase Orders let under
     the Contract.

2.11 The Work shall be performed subject to the BT Statement of Requirements and
     the terms and conditions of this Contract.

3    GENERIC CONTRACT PERFORMANCE REQUIREMENTS

3.1  BT's project specific performance requirements shall be defined in the
     individual Work Package where required.

3.2  BT and the Supplier shall agree on Service Level Agreements (SLAs) in the
     Work Package which may provide for liquidated damages/remedies upon failure
     to comply with the SLAs as agreed to by the parties in the Work Package.

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IN CONFIDENCE

3.3  BT requires the Supplier to measure, document and report performance
     monthly

3.4  Persistent Failure by the Supplier to meet Performance Requirements or
     project specific SLA's as stated in the Work Package, , shall result in the
     Supplier being in breach of Contract (but not necessarily material breach)
     and BT shall be entitled to recover Liquidated Damages in accordance with
     the Condition of Contract entitled Default and Liquidated Damages. Where BT
     contributes to any delay or failure of the SLA, project time-scales will be
     revised to take account of the impact of BT's contribution to the delay or
     of the failure of the SLA. Liquidated Damages will then be recalculated to
     take into account BT's contribution to the delay.

4    MANAGEMENT INFORMATION

In addition to the Performance Monitoring reports and Governance reporting, the
Supplier shall provide the following information to the BT Commercial Contact on
a monthly basis in the format advised by BT:

     -    Performance against budget - including total billed to date by project
          and job, balance outstanding against order value by project and job,
          value of any applicable discounts;

     -    Number of contractors compared to the Supplier's FTE by project;

     -    Meetings with BT project managers and new prospects discussed;

     -    Resource utilisation - including total number of resource deployed by
          project;

     -    Churn of resource against BT projects

     -    Projects/Work in delay;

     -    Status reports on skill-sets register.

5    HOURS OF SERVICE

5.1  Unless otherwise specified in the Statement of Requirements or Purchase
     Order, the Supplier may provide the Services during the normal offshore
     working day.

5.2  Where there is an operational need identified in the Statement of
     Requirements for Work performed offshore to be performed according to UK
     Working Day hours this will be at no extra charge to BT.

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IN CONFIDENCE

6    THIRD PARTY SOFTWARE LICENCE

     The Supplier will provide generic hardware and all software required for
     performance of the Services subject to the terms of Supplier's Hardware and
     Software Policy to be provided by Supplier and mutually agreed upon by BT
     and Supplier.

6.1  In the event, the Supplier does not have the relevant licences; the
     Supplier shall use reasonable endeavours to procure the relevant licences
     with immediate effect to enable them to discharge their obligation during
     the performance of the Services for BT. All cost sustained in procurement
     of these licences shall be borne by the Supplier being part of its
     obligation under this Clause, or as agreed in writing by the parties.

7    QUALITY REQUIREMENTS

7.1  The Supplier shall work to a Quality Management System that meets the
     requirement of BS/ISO9000 or equivalent, such as CMMiL3 or above. A body
     approved by any of the National Accreditation Councils must issue the
     certificate, if applicable.

7.2  BT requires its Suppliers to have recognised industry specific quality
     accreditation (e.g. SEI CMM, ISO TickIT. BS15000). The Supplier shall
     provide details of its current accreditation.

7.3  The Supplier will carry out and be able to supply evidence of periodic
     quality checks (at least quarterly) to ensure the consistency of delivery
     of the Supplies, and the provision of management information as agreed.

7.4  If the Supplier, having had at the Commencement Date a Quality Management
     System certified to comply with the requirements of BS/ISO9001 (EN 29001 or
     other equivalent) by an accredited certification body, ceases to maintain
     the certification, then the Supplier, for avoidance of doubt, shall be in
     breach of the Contract. (This shall also apply to any sub-contractors that
     may be used).

7.5  At the end of each Work Package the supplier will carry out and document an
     End of Stage assessment and, following live implementation, will contribute
     to the Post Implementation Review (PIR). Lessons learnt for both reviews
     must be applied to future work packages.

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IN CONFIDENCE

8    PRICING AND PRICING ARRANGEMENTS

8.1  In consideration of the Supplier undertaking the Work, BT shall pay the
     Supplier such amounts as specified in the Purchase Order.

8.2  For T&M based Work, the amount to be paid by BT for the Work shall be
     calculated in accordance with the day-rates, expenses and discount formula
     set out in the agreed Pricing Schedule.

8.3  For T&M based work, the Supplier's quotation in response to a RFQ from BT
     shall map resource to be utilised for the Work to the Skills Framework for
     the Information Age (SFIA) skills categories and levels, including
     day-rates contained in the Pricing Schedule and the quantity of resource to
     be utilised for the Work.

8.4  For fixed price based work, the Supplier, on BT's request shall provide
     adequate information as to allow BT to validate the quoted price, to ensure
     that the price for such fixed price work is fair and reasonable. The
     information that would be provided could include effort breakdown or a
     level of price breakdown, rates applied, price for third party components
     e.g. hardware, third party software, risk provisions etc. Any request for
     such information by BT shall be made prior to the award of work to the
     Supplier. For the avoidance of doubt, BT is not entitled to request
     information regarding Supplier's internal cost structures and / or
     information related to the Supplier's margins or information that attempts
     to achieve such result.

8.5  For the Supplier to accept entirely the necessity of this Contract to
     deliver value for money for BT whilst at the same time enabling a fair
     return to the Supplier. Supplier shall demonstrate value for money and the
     Supplier shall work closely with BT prior to Work Package and or Purchase
     Order award to develop an appropriate mechanism which may include one of
     the following: Benchmarking, SLA, Performance Scorecard or Partnership
     Scorecard according to Contract Performance Requirements, value for money
     model etc., and during the life of the Contract to report on performance
     against the chosen methodology

9    NOT USED

10   PRICE SATISFACTION

10.1 Where any Work is undertaken by the Supplier on a non-competitive basis,
     the Supplier undertakes to provide information in accordance with Appendix
     1.

11   INTENTIONALLY DELETED

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IN CONFIDENCE

12   CONTINUOUS IMPROVEMENT

12.1 Maintenance and support contracts will target year on year price reductions
     through efficiency gains. The Supplier shall demonstrate and detail how
     this will be achieved for the following Financial Year 2 months prior to
     the beginning of the following Financial Year.

12.2 On an individual Work Package basis BT may require the Supplier to provide
     to BT a Performance Indicator (PI) for the ensuing year on or before the
     first anniversary of the commencement of any Contract, and on each
     successive anniversary for the duration of the Contract. The PI shall be a
     stretching, but achievable objective that represents an improvement over
     the Performance Target.

     For each successive year for the duration of the Contract following the
     first anniversary of the commencement of the Contract, the Supplier's
     actual achieved performance shall be calculated as an average of such
     performance in each component eight quarters) and where such performance so
     calculated exceeds the relevant Performance Target that Performance Target
     shall be amended to the actual achieved level.

13   EXIT TRANSITION CO-OPERATION

13.1 If the Contract is terminated by BT pursuant to Clause 5 (Performance
     Monitoring) above, or not renewed with the Supplier beyond the initial
     Term, and if required by BT, the Supplier shall co-operate fully with BT
     and with any third party nominated by BT, at no additional cost to BT,
     except for undisputed invoices, in facilitating the provision of
     Replacement Work. Such co-operation shall include, without limitation:

13.1.1 the supply by the Supplier of such Supplier's Background Information as
     is reasonably necessary to enable Replacement Work to be provided in a
     similar manner to that in which Supplies had or should have been provided
     by the Supplier, subject to the confidentiality provisions of the Contract;
     and

13.1.2 the granting by the Supplier to BT or, at BT's option, a third party, of
     a licence to use such Supplier's Background Information solely in relation
     to the provision of Replacement Work for a period expiring five years after
     the date of termination (or part termination) of the Contract; and

13.1.3 the undertaking by the Supplier of reasonable endeavours to procure for
     BT or BT's nominated contractor the grant or

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IN CONFIDENCE

     transfer of all licences and permissions under third party Intellectual
     Property Rights which may from time to time be reasonably necessary for the
     provision of Replacement Work to the extent that such third party
     Intellectual Property Rights have been used in the provision of Supplies by
     the Supplier.

13.2 For the purpose of this clause (Transition Co-operation) "Supplier's
     Background Information" shall mean all Information owned or controlled by
     the Supplier or companies in the same group (as defined by s.53 Companies
     Act 1989) as the Supplier.

13.3 To ensure a smooth transition at the end of the Contract, BT requires the
     Supplier to maintain Documentation relating to the processes and procedures
     used in the execution of the Contract for the Work for the lifetime of the
     Contract.

13.4 For the avoidance of doubt, such Documentation shall be subject to the
     Condition titled Intellectual Property of the Conditions of Contract
     schedule.

13.5 Where the Supplier is the gaining Supplier:

13.5.1 As part of any such transition, BT may require the gaining Supplier to
     act initially as the Prime Contractor and take full contractual
     responsibility for provision of the Work, prior to the losing Supplier
     being managed out.

13.5.2 The Supplier shall complete transition of the Work within 3 months of the
     commencement of the Work

13.5.3 Where the Supplier is transitioning Work from an incumbent supplier (this
     could be BT or another external supplier to BT), the Supplier shall detail
     the support requirements needed from the incumbent supplier to complete the
     transition. This should include but not be limited to: number and type of
     resource, period required, location, availability etc.

13.5.4 The gaining Supplier shall be responsible for the continuity of service
     and management of any resultant transition when gaining new Work either
     from BT or an existing 3rd party Supplier.

13.5.5 Transition of new Work shall be at the gaining Supplier's risk and
     expense.

13.5.6 The gaining Supplier will be required to provide a top level plan which
     shall address the following areas:

     -    Key dates/timescales

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IN CONFIDENCE

     -    Documentation

     -    Sharing/release of information

13.6 Where the Supplier is the losing Supplier:

13.6.1 shall commit to working with BT's gaining Supplier to ensure successful
     transition of Work in the event of them not being retained as BT's Supplier
     for a specific area of Work.

13.7 Any transition related costs shall be subject to audit and validation by
     BT.

13.8 The Supplier agrees to vacate BT's premises within a reasonable period and
     deliver to BT those BT assets in the Supplier's custody.

13.9 The provisions of sub-clause 6.1. above shall survive the termination of
     the Contract.

14   EXIT COSTS

14.1 In some cases the Supplier may be required to transition Work to BT or
     another external supplier to BT. Where the existing contractual arrangement
     for the Work allows or does not prohibit exit charges, the Supplier shall
     include detailed exit costs and an exit strategy plan within their quote
     for each Work Package.

15   ACCEPTANCE

15.1 In this Condition:

"Acceptance Test(s)" means formal testing to determine if the Supplies satisfy
the criteria for Acceptance for BT to Accept the Supplies or any part of them,
including without limitation, any First Repeat Test or Second Repeat Test as
defined in this Condition.

"Certificate of Service" means a certificate issued by BT in respect of Supplies
or any part of the Supplies, which, although having failed to pass the
Acceptance Tests, BT requires to be put into commercial service. "Commercial
Service" shall be construed accordingly.

15.2 The Supplier shall provide BT with written Acceptance Test methodology in
     respect of the Supplies on or before [as agreed in Work Package and/or
     Purchase Order]. BT shall approve or reject such methodology within 14 days
     of receipt. If rejected, the Supplier shall

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IN CONFIDENCE

     amend the methodology as necessary until approved by BT (such approval not
     to be unreasonably withheld).

15.3 Supplies shall not undergo any Acceptance Test until:

     (a)  Supplies have passed any required off-site tests;

     (b)  the Supplier can demonstrate to BT's reasonable satisfaction following
          its own testing that the Supplies should pass the Acceptance Tests;

     (c)  BT has approved the Acceptance Test methodology; and

     (d)  any required inter-working is achieved and combinations of hardware
          and software have been fully integrated and proven as a system.

15.4 The Supplier shall give at least 14 days written notice to BT of Supplies
     being ready for Acceptance Tests.

15.5 Acceptance Tests shall take place in the presence of BT's nominated
     representative(s).

15.6 If Supplies pass the Acceptance Tests, BT shall issue to the Supplier an
     Acceptance certificate, which shall, if Supplies are being tested
     severally, not constitute an admission that Supplies have been completed in
     every respect. The Acceptance procedure shall be repeated for each portion
     of the Supplies.

15.7 If any Supplies fail the Acceptance Test:

     (a)  BT shall notify the Supplier in writing accordingly within 10 days of
          completion of the tests, stating the reasons for the failure; and

     (b)  the Supplier shall promptly make such alterations to Supplies as are
          necessary to pass repeat Acceptance Tests within 10 days of such
          notice ("the First Repeat Test"); and

     (c)  if Supplies fail the First Repeat Test, the Supplier shall promptly
          make such further alterations to Supplies as are necessary to pass a
          further repeat Acceptance Test ("the Second Repeat Test") within 10
          days of notice of failure of the First Repeat Test.

15.8 If any Acceptance Test is not completed by the due date, or Supplies fail
     the Second Repeat Test, BT may (at its option):

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IN CONFIDENCE

     (a)  bring Supplies into Commercial Service at any time and/or claim
          liquidated damages for delayed Supplies as set forth in the Work
          Package; or

     (b)  terminate the Contract from the date specified by written notice to
          the Supplier.

15.9 If any Acceptance Test is not completed by the due date or Supplies fail
     any Acceptance Test, BT shall, upon giving written notice to the Supplier,
     have access to Supplies for its own testing and evaluation purposes but
     shall take reasonable care not to hinder the Supplier in achieving
     Acceptance, although the Supplier shall be responsible for any delay.

15.10 If Supplies fail any Acceptance Test, BT may put them into Commercial
     Service and issue a Certificate of Service, which shall include a list of
     remaining portions of Supplies and all relevant deficiencies to be remedied
     by the Supplier as are then known to BT.

15.11 Supplies put into Commercial Service on any date:

     (a)  benefit from the provisions of the Condition headed 'Warranty' as if
          the period of such warranty had commenced on such date and had been
          extended by the period between such date and Acceptance of all
          Supplies; and

     (b)  shall be made accessible to the Supplier for remedial work to achieve
          Acceptance and be at the Supplier's risk.

15.12 During Commercial Service, the Supplier shall, if required by BT, and at
     the Supplier's own additional cost, work outside its normal working hours
     in order to remedy any deficiencies.

15.13 BT's rights under this Condition are without prejudice to any other rights
     or remedies it may have, and to any of the Supplier's obligations.

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IN CONFIDENCE

SCHEDULE 6 APPENDIX 1 (PRICING)

1. IT SERVICES PRICING PRINCIPLES

The following principles shall be applied to prices quoted by the Supplier for
IT Services provided under the Contract. In order to demonstrate their
compliance with these principles, the Supplier will provide information to BT to
support their quotation, as applicable.

1.1. COST TRANSPARENCY

The Supplier shall provide corporate level general financial information as
follows:

1.1.1. Subject to the confidentiality provisions in this Contract the Supplier
     shall provide the following information at a corporate level for
     benchmarking purposes. This shall be provided to the extent of the publicly
     available information as published in Annual and quarterly financial
     statements.

     ELEMENTS

          Revenues

          Gross Profit

          Sales & Marketing Expenses

          General and Administrative Exp

          Research & Development costs

          Amortizations

          Operating Income

(Note : Transparency / ensuring an appropriate price for individual projects is
covered by Section 2.2)

1.1.2. All day rates shall be based on the Supplier's identified standardised
     Cost Recovery Assumption.

     For the avoidance of doubt, Cost Recovery Assumption is defined as the
     number of days assumed by the Supplier that they will need to charge for
     the resource to fully recover the cost of the resource, including pay,
     benefits, overheads and margin. The Cost Recovery Assumption makes
     allowance for all leave entitlement, including annual leave, public
     holidays and casual leave, plus any training and sick

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IN CONFIDENCE

     absence, where the Supplier cannot charge the customer for the resource.
     [***]

     All T&M engagements shall use a common currency of Person-days of effort.
     Person-days of Effort shall mean the total number of days required to
     successfully deliver the Work Package, irrespective of the number of
     resource used, inclusive of any shift working or overtime.

1.2. VALUE FOR MONEY

For each proposal it presents the Supplier shall demonstrate the value of its
offer to BT:

1.2.1. For fixed price ("FP") based Work, BT may assess the value of the
     Supplier's offer by benchmarking the Supplier's quotation to a comparable
     T&M based price, [***] with an expectation that FP Work will be price
     beneficial to BT. In accordance with clause 8.4 in Schedule 6 the Supplier
     will cooperate with BT in providing sufficient information for BT to assess
     the value of the Supplier's offer.

1.2.2. The Supplier shall co-operate with BT to provide world class pricing and
     value for money in accordance with the Condition titled Best Price in
     Schedule 6 of the Contract;

1.2.3. [***]

1.3. 90:10 PRINCIPLES

All projects will maximise off shore resource to provide the most cost effective
pricing and explain the justification for on-shore resources at the time of, and
as reflected in, the quote submission or Work Package.

1.3.1. For time and materials ("T&M") based Work, the Work shall be based on an
     assumption that [***]% of the Supplier's overall engagement on Work under
     the Contract, by resource numbers, shall be performed offshore ([***]).
     Exceptions to the [***] principles may be agreed by the parties on a case
     by case basis at the time of agreement of the applicable Service.

1.4. SHORT-TERM ONSHORE WORK

1.4.1. Where the Supplier cannot perform the work within the planned onshore
     resource allowance as agreed between the parties in a Work Order due to
     unplanned exigencies or emergency requirements, and required placement of
     resources for short period Onsite, [***]

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1.4.2. The total cost for the onshore assignment shall not exceed the published
     onshore T&M rate of the resource for the duration of the assignment.

1.4.3. The Supplier shall be responsible for air travel and associated visa or
     work permit expenses

1.4.4. Short-term shall be defined as less than 1 month. Beyond 1 month, the
     resource allocations in the Work Order shall be modified through Change
     Control

1.5. All prices are to be in GB Pounds sterling and in line with Schedule 12
     (Pricing)

1.6. YEAR ON YEAR COST REDUCTION

Maintenance and support contracts will target year on year price reductions
through efficiency gains.

1.7  [***]

2. PRICING MODELS

BT may request the Supplier to provide a quotation based on one or more of the
pricing models detailed below for any Work Package requirement.

The Supplier should provide a quote on the basis of the pricing model identified
by BT, but may offer an alternative model for consideration by BT in addition to
that requested by BT.

2.1. TIME AND MATERIALS BASED PRICING

2.1.1. The Supplier shall provide a rate card based on a standard definition of
     roles, mapped to the Skills for the Information Age (SFIA) matrix in terms
     of Category, Sub-Category, Skill and Level. The rate card shall detail day
     rates for all roles that may be provided by the Supplier under the terms of
     the Contract. The rate card shall be provided in the format shown in Table
     1 below.

     (For information on the Skills Framework for the Information Age (SFIA)
     matrix please refer to the SFIA web-site at: http://www.SFIA.org.uk).

2.1.2. For T&M based pricing the Supplier's quotation shall use the rates
     specified in Supplier's Contract T&M rate card set out in Table 1 below.
     Such rates shall be the maximum rates that the Supplier may charge for T&M
     based Work under the Contract for the first Annual Period.

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     2.1.2.1. For Go To Market opportunities, the T&M rate card shall be
          regarded as indicative and the actual rates shall be agreed on an
          opportunity basis.

2.1.3. For individual T&M based quotations for work packages defined by BT, the
     Supplier shall:

     2.1.3.1. provide a maximum ("Capped") price for complete performance of the
          Work as defined in the Work Package, excluding Change Control.

     2.1.3.2. provide price build information to enable maximum price
          calculations for individual work packages; such information shall
          include the resource profile and cost for the Work, estimated business
          expenses, infrastructure charges (if applicable) and any specific
          chargeable items not included elsewhere;

     2.1.3.3. provide pricing information in a standard T&M pricing template
          provided by BT;

     2.1.3.4. provide pricing that ensure the overall engagement conforms to
          [***] principles; subject to 1.3.

     2.1.3.5. Provide a statement of the level of risk and flexibility, in
          percentage terms, that has been built into the Maximum price for the
          Work.

2.1.4. T&M based Work shall be charged only for the number of Person-days of
     Effort used in performance of the Work up to the maximum agreed Person-days
     of Effort for the Work Package. BT shall pay no more for the Work than the
     Capped Price estimated by the Supplier. Any change to the Capped Price for
     the Work shall be subject to review and prior authorisation by BT's
     Commercial Contact via change control.

2.1.5. All T&M rates to be exclusive of VAT and Business Travel and
     Expenses,[***]

     2.1.5.1. [***]

2.1.6. All day rates shall be based on the principle of a professional working
     day, assuming a normal 8 hour working day;

     2.1.6.1. [***]

2.1.7. For the avoidance of doubt, Business Travel and Expenses does not include
     travel to and from the normal place of work;

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2.1.8. All Business Travel and Expenses shall be calculated in accordance with
     BT Policy for BT Business Travel and Expenses attached at Appendix 1;

2.1.9. Any onshore assignments for offshore resource of more than 3 months may
     be charged at onshore rates. [***]

2.1.10. The Supplier should clearly demonstrate how BT will benefit from any
     additional efficiency which is to be achieved, such as any economies of
     scale benefits that can be accrued from increase in volume of Work and
     resource provided, or revised scope of work.

2.1.11. Any T&M engagement is based on the team profile agreed with the BT
     Project Manager at the commencement of the Work. Unless the resource team
     had resource nominated as Key Personnel, the Supplier shall be responsible
     for maintaining the agreed team profile without increase cost to BT for the
     duration of the Work irrespective of any grade increase of the individuals
     providing the Work. In the event of renewal of the Work Package, no
     increase in grade of the roles within the team profile shall be permitted
     without prior agreement of the BT Project Manager.

2.1.12. BT shall expect the supplier to provide resource onshore for any hot
     housing associated with a 90 day development cycle. Such resource to be
     deployed in accordance with the Short-term Onshore Work principles [***].

2.1.13. In the event that the hothouse goes beyond [***] as a result of the
     Supplier's inability to deliver BT's requirements BT shall not be charged
     for the additional time [***].

2.1.14. In addition to this, the Air fare expenses and initial travel to Hot
     house location may be charged as expenses up to a maximum cap of [***] per
     person. Any higher amounts if incurred shall be charged with prior approval
     from BT.

2.2. FIXED PRICE

Where the Supplier provides a Fixed Price ("FP") quotation for a Work Package,
the following shall apply:

2.2.1. For multi-year FP engagements, payments shall be made monthly in arrears;

2.2.2. For short-term FP engagements, payments shall be made in arrears against
     agreed deliverables;

2.2.3. All prices are to be fixed in Pounds sterling, and in line with Schedule
     12 (Pricing)

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TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

2.2.4. Where the FP proposal covers a multi-year engagement, each price shall be
     detailed as shown in Fig. 1

<TABLE>
<CAPTION>
                                 TOTAL
FP        Q1    Q2    Q3    Q4    P.A.
------   ---   ---   ---   ---   -----
<S>      <C>   <C>   <C>   <C>   <C>
YEAR 1   L     L     L     L     L
YEAR 2   L     L     L     L     L
YEAR 3   L     L     L     L     L
TOTAL
</TABLE>

2.2.5. Any items or services not included in the Fixed Price must be clearly
     identified, and pricing information detailed separately.

2.2.6. The Supplier shall provide sufficient data with each FP proposal for
     benchmarking purposes, to demonstrate adherence to the pricing principles
     defined in section 1 of this Schedule. Such information shall include:

     2.2.6.1.1. total effort (in number of Person-days of Effort)

     2.2.6.1.2. resource profile of team (in terms of numbers and roles)

     2.2.6.1.3. risk/contingency assumptions included within the total number of
          days effort

     2.2.6.1.4. offshore:onshore ratio of resource

     2.2.6.1.5. Project Plan, Milestones, quality gates and Acceptance Criteria

     2.2.6.1.6. A price breakdown including the following as applicable:

          -    Resource element

          -    Non-resource element

          -    Infrastructure element

          -    Risk margin

          -    Other elements

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IN CONFIDENCE

                                 Table 1. [***]

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                               SUBJECT TO CONTRACT

BT POLICY FOR BT BUSINESS TRAVEL AND EXPENSES

GUIDELINES FOR CONTRACTORS PERSONNEL

The provisions of this policy and any information relating to it, e.g. rates and
charges, are strictly confidential and subject to the confidentiality conditions
of the Contract.

1. TRAVEL

The cost effectiveness and appropriateness of making the journey by air, sea,
rail, or road should be considered.

Air

For journeys by air, STANDARD/ECONOMY CLASS SHOULD BE USED.

For journeys with carriers in Africa and for travel within Central and South
America, travel should be first class where available.

The policy above sets out the class of travel to be used. Exceptionally where it
is considered that a higher class of travel is appropriate, for example where it
is operationally essential and the business need determines it is cost
effective, this may be authorised by the BT Project Manager.

Rail & Ferry

For journeys by rail, STANDARD CLASS should normally be used. Exceptionally on
'InterCity' routes where a journey is being made at peak travelling time and is
of at least two hours duration for each individual journey, the BT Project
Manager may authorise first class travel in advance if it will provide
significantly greater privacy and quiet for people working on the train.

First Class travel may also be authorised when:

-    an overnight Sleeper is the most cost effective mode of transport and is as
     an alternative to an overnight stay

-    upgrading during the journey is appropriate e.g. during transport
     difficulties, because of changes in travel plans and / or business needs or
     when standard class accommodation is full. Reasonable judgement should be
     made at the time

-    special tickets are available which are at the same price or cheaper than
     standard class.

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

-    where the two hour journey criterion is not met but a person is joining a
     BT colleague, who is authorised to travel first class, to work on the
     train.

The cost of necessary seat reservations will be reimbursed.

For ferry travel advantage should be taken of multiple tickets where they are
available.

Road

The shortest most practical route must be used for all journeys. Deviations from
the route to pick up or drop off authorised passengers may be claimed. In
addition to the appropriate rate of mileage, garaging, parking fees and tolls
will be reimbursed. Receipts should be obtained wherever possible. Driving and
parking fines and penalties will not be reimbursed.

Mileage Rates

Mileage may only be claimed for travel in connection with BT business specific
to the Contract. [***]

Exceptionally, and only with prior line manager authorisation, higher rate
mileage may be claimed for short journeys of less than 30 miles return. In these
instances the following mileage rates will apply:

[***]

Hire Cars

Hire cars should be used only in connection with BT business specific to the
Contract. Vehicles are not to be used for private purposes. However incidental
private use is allowed e.g. to obtain a meal whilst working away from home. The
business mileage fuel costs and hire charges incurred will be reimbursed.

Generally only vehicles up to 1.4 litres capacity should normally be hired.
Vehicles with a greater capacity may only be hired where a justified business
need is identified e.g. there are three or more passengers or significant
luggage or equipment is to be carried or a particularly long motorway journey is
involved.

Taxis

Taxis should only be used exceptionally, where due to the time of travel, nature
of journey, personal safety considerations or the carriage of heavy luggage,
public transport does not provide a reasonable option. To avoid surcharges and
waiting time, taxis should not normally be pre-booked. Receipts should be
obtained in all instances.

2. OVERNIGHT ACCOMMODATION

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

The actual, reasonable receipted costs of hotel accommodation, breakfast and
evening meal (table d'hote, hotel restaurant or equivalent) may be claimed.
Personal expenditure such as bar bills, videos and newspapers will not be
reimbursed.

For longer term stays, consideration should be given to more cost effective
arrangements e.g. rented accommodation. In such cases, the principle of
reimbursement of reasonable expenditure applies. Reimbursement may cover costs
such as rent, council tax, utility charges and appropriate meals out.

3. OTHER EXPENSES

All other expenses including but not limited to the purchase of equipment or
software, hospitality expenditure or any form of expenditure not directly
incurred by the contractor must be claimed using the appropriate BT internal
process.

4. AUDITING OF EXPENSES

The Supplier shall make available their full reconciliated monthly expense
statements within 8 weeks of the end of the month in which such expenses have
been incurred.

Evidence of expenses incurred for all amounts, mandatory for greater than L5,
shall be made available for BT's inspection.

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

SCHEDULE 6 APPENDIX 2 WORK PACKAGE TEMPLATE

Contains Guidance notes on putting together a Work Package. The sections
highlighted pink are mandatory for completion.

CONTRACT NO: [__________]

SUPPLIER QUOTATION REFERENCE: [__________]

[TITLE] (the "PROJECT")

1. DEFINITIONS

[Please insert here any additional definitions used for the purposes of the Work
Package. Those definitions set out in the Contract shall continue to apply.]

2. PROJECT BACKGROUND

[Provide a brief overview of the Project. This enables someone unfamiliar with
the engagement to understand the context]

3. DESCRIPTION AND SCOPE OF SERVICES

3.1  TO BE COMPLETED BY BT [REFER TO STATEMENT OF REQUIREMENTS DOCUMENT IF
     PROVIDED SEPARATELY]

[Provide here full details of the Services (as that term is defined in the
Contract) to be performed by the Supplier.

The Services must be described in enough detail so that someone unfamiliar with
the Project could understand what both parties' obligations are.]

3.1.1 HOURS OF SERVICE

[BT should identify the Hours of Service including any week-end or Bank Holiday
requirements (Indian and UK).]

3.1.2 SHIFT PATTERNS

[Shift patterns to be detailed as appropriate.

The BT Project team should include a high level process flowchart as
appropriate.]

3.2  TO BE COMPLETED BY THE SUPPLIER AS PART OF THEIR RESPONSE.

3.2.1 UTILISATION OF SUPPLIER'S BACKGROUND INFORMATION

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

[Supplier must set out details of the Supplier's Background Information that the
Supplier believes it will utilise during the performance of the Services (and
production of the Services/Deliverables) under this Work Package. In the event
that the Supplier becomes aware, during the course of the Work Package, that
additional pieces of Supplier's Background Information will be used in the
provision of the Services/Deliverables the Supplier must draw these to BT's
attention upon delivery of the Deliverables in question.]

3.2.2 TRANSFER OF DATA

In the event that the Services include cross-border data flows. Please note
that:

               (i)  The Supplier must advise BT's Commercial Contact in writing,
                    in advance, of the manner by which the Supplier intends to
                    store or process BT Personal Data (Condition _____________);

               (ii) This is particularly important if any of the BT Personal
                    Data is to be exported outside the European Economic Area
                    (Condition ______________), as defined in the Contract.
                    ___________________ must notify BT in advance, in the
                    relevant Work Package, of [Suppliers] intention to export BT
                    Personal Data outside the European Economic Area;

               (iii) BT must give its prior written consent to the exportation
                    of BT Personal Data (i.e. any BT data, not just sensitive
                    personal data) outside the European Economic Area (Condition
                    ______________________)). Such consent must be confirmed in
                    writing by BT prior to commencement of any Services through
                    the execution of Appendix A as part of this Work Package.

IMPORTANT NOTE:

Please note that in the event of cross-border data flows the parties shall need
to sign up to and agree to be bound by the EU Model Clauses at Schedule 3 to the
Contract

[If this Work Package is likely to include Services that result in cross-border
data flows please contact Group Legal Procurement Team for guidance.]

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

4. DELIVERABLES AND TRAINING IN DELIVERABLES

4.1  SUPPLIER DELIVERABLES

[Provide full details of the Services (as that term is defined in the Contract)
(if any) and Software (as that term is defined in the Contract) (if any) to be
delivered by the Supplier as part of the Services. If there are no deliverables
please state "No Deliverables/Software will be provided by the Supplier under
this Work Package". It should be specified in the Work Package whether the
Supplier is primarily responsible for Deliverable and where BT is primarily
responsible, e.g. where the Supplier's role has been to "assist" or "support"
BT.]

[If training in the Deliverable(s) is to be performed by the Supplier as part of
the Services, then detail it here. If not applicable put "No training in the
Deliverables will be supplied by the Supplier under this Work Package."]

4.2  BT DELIVERABLES

[Provide full details of the deliverables (if any) and software (if any) to be
delivered by BT as part of the Services that the Supplier's Services are
dependent upon. Also include details of BT and/or third party deliverables and
software in Section 15 (BT Obligations).]

5. BT PROVIDED ITEMS

[Please insert details of any Equipment (as such term is defined in the
Contract) that the Supplier is receiving from BT (including BT Supplied Items),
documentation e.g. process documents, customer data, scripts etc.]

[Please also insert details of any Third party software that the Supplier is
receiving from BT.]

[In addition please include details of any Work Package specific training that
BT will provide the Supplier including duration, people numbers etc.]

6. SUPPLIER PROVIDED EQUIPMENT

[Please insert details of any Equipment (as defined in the Contract) the
Supplier is providing to BT]

7. MAINTENANCE AND SUPPORT

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

[If Maintenance and support of Deliverables is to be performed by the Supplier
as part of the Services then detail here, if not applicable then put, "No
Maintenance or Support for Deliverables created under this Work Package is
provided by the Supplier under this Work Package."]

8. BT SYSTEMS

[You will need to ensure that BT has adequate LEAD TIME for it to provide all
necessary Authorisation and related written consents regarding connection to BT
Systems, prior to Project commencement. This is likely to take at least a week.
Check with BT Project Manager on the security procedure to be followed to obtain
Authorisation and continue to have Access. Include the BT Security Contact in
these discussions.]

The Supplier must at all times comply with the BT Security Policy in force at
the time of the Work Package. BT must promptly supply this to the Supplier. The
Supplier may decline to proceed with a Project if compliance with the BT
Security Policy is, in the Supplier's opinion, not practical or feasible.

(Please note that the BT Security Policy may require the parties to execute an
Interconnect Agreement prior to connecting to BT Systems.)

The Supplier must obtain prior written consent from the BT Security Contact
prior to connecting any equipment not supplied by BT to any BT LAN port, e.g.
when connecting Supplier laptops to a BT LAN port.

The Supplier must NOT commence work until Authorisation is granted. If you have
any queries regarding the process to be followed to obtain Authorisation please
contact the Group Legal Procurement Team.

Include in the Work Package a full list of BT Systems that will be used by
Contract Personnel (ie [Supplier] personnel and subcontractors) during the
Project. Please note that this must include ANY connection to BT Systems, for
example in order to print or receive e-mail. If you are unclear about what
should be included in the list of BT Systems please raise this with the BT
Security Contact and obtain advice in writing.

9. NETWORK AND IT REQUIREMENTS

[Include any IT requirements including any bandwidth requirements and specific
disaster requirements.]

10. TIMETABLE

[If the Services are to be provided within a mutually agreed time then detail
the timetable for the performance of the Services (and, if applicable, dates for
delivery of Deliverables). There should be a start date and there may or may not
be a target completion date.

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

Where appropriate a formal project plan should be developed with the Supplier
and appropriate remedies agreed for failure to meet agreed time-scales.]

11. SITE

Services relating to this Work Package shall be carried out at the following
site(s):

BT or Supplier to insert details of where the Supplier will perform the Services
and if applicable deliver any Deliverables.

[This may be left blank for the Supplier to present its recommendations but must
be completed prior to final agreement and placement of the Work Package].

12. ACCEPTANCE

[Acceptance procedures should be inserted, and the process the parties will
undertake to determine whether the criteria have been met if they have been
agreed in advance of work commencing under the Work Package.

[Acceptance criteria and procedures need to be specified where the Supplier will
receive deliverables from third parties and/or BT.]

13. PERSONNEL

13.1 SKILL SET REQUIREMENTS

[BT should identify the specific skills required to perform the Services
including any formal qualifications and / or accreditation requirements.]

13.2 CONTACT DETAILS

BT's Commercial Contact will be [___________]

BT's Programme Lead/point of escalation will be [__________] (if applicable)

BT Project Manager will be [__________]

BT's Security Contact will be [__________]

The Supplier's Work Package Contact will be [__________]

The Supplier's Programme Lead/point of escalation will be [__________] (if
applicable)

13.3 KEY PERSONNEL

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

The Personnel identified below are key to the Services required and are
classified as Key Personnel (to be agreed between the Parties) as described in
the Contract.

     -    BT Key Personnel

     -    [List]

     -    Supplier Key Personnel

     -    [List]

14. REPORTING

[Detail here the specific reporting requirements e.g. timescales, deliverables,
SLA/KPI's etc., and the frequency at which the Work Package representatives are
to meet including any project management arrangements.]

15. CHARGES

[Detail here the pricing matrix and methodology against which the Supplier is
required to submit prices for Services and how this is calculated. Include
details of what is included in the Price and anything that is specifically
excluded. Note that all costs exclude VAT.]

16. BT OBLIGATIONS

[Specify any particular obligations on BT's part i.e. what the Supplier is
dependent upon. Include details of BT and/or third party deliverables and
software.]

17. RISKS AND ASSUMPTIONS

[List all descriptions and conditions which may have a material impact upon the
Supplier's ability to meet its obligations.]

18. QUALITY STANDARDS & ASSURANCE, AND CODES OF PRACTICE

[BT to include any Work Package specific quality standards, codes of practice
etc.]

19. PERFORMANCE MEASUREMENT

[Work Package specific Service Levels (SLA's) and Key Performance Indicators
(KPI's) to be identified here. Service Credits shall normally be applicable to
KPI's. Consider "risk and reward" schemes as appropriate to drive performance.]

20. ADDITIONAL

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

[Please insert here any additional points that are not covered above including
any additional variations to the Contract.]

21. WORK PACKAGE PRICE

[ALL PRICING INFORMATION TO BE PRESENTED IN LINE WITH THE CONTRACT PRICING
SCHEDULE, UNLESS OTHERWISE AGREED]

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

SCHEDULE 6 APPENDIX 2 WORK PACKAGE TEMPLATE

APPENDIX A [ONLY REQUIRED WHERE PERSONAL DATA BEING TRANSFERRED OUTSIDE THE EEA

Under the terms of the Contract and the Work Package hereof, the Supplier has
requested BT's consent to [subcontracting/offshoring] certain services to
[__________] who are located at [___________]. The parties have worked together
to ensure that data protection and IT Security are acceptable before commencing.

The parties have, in relation to various data protection and security matters
concerning the sub-contracting/offshoring of these services, reached agreement
and now wish to confirm the terms on which BT provides its consent.

AND IT IS AGREED AS FOLLOWS:

WITH EFFECT FROM EFFECTIVE DATE OF THE WORK PACKAGE HEREOF, THE FOLLOWING TERMS
AND CONDITIONS SHALL FORM A BINDING PART OF THE WORK PACKAGE AND COMPLEMENT
CLAUSE 3.2 ABOVE.

a) Consent

BT hereby consents under Clause 3.2 of the Work Package [Title of the Project]
above to the services as described in [Appendix____/Clause 4 above] ("the Work
Package Services) to this Work Package and provided under the ContracT being
subcontracted/offshored to [__________] and located in [India].

The parties acknowledge and agree that certain personal data which forms part of
the personal data described in Condition with the heading "Protection of
Personal Data" of the Contract is processed in connection with these Work
Package Services ("Data") and will be transferred to [___________] located
outside the EEA. Notwithstanding that the Data will remain stored and hosted in
the United Kingdom, the parties further acknowledge and agree that the Eighth
Data Protection Principle under the Data Protection Act 1998 is relevant to the
processing of the Data. Further the parties have agreed to be bound by the terms
of the Commission Decision of 27th December 2001 on standard contractual clauses
for the transfer of personal data to processors established in third countries,
under Directive 95/46/EC as evidenced in Schedule 3 of the Contract. These
standard contractual clauses have been replicated and signed by both parties and
form Annex 1 to this Work Package. BT reserves the right to substitute terms and
conditions relating to the transfer of personal data to processors established
outside of the European Economic Area if, and by agreement of the parties, (such
agreement not to be unreasonably withheld or delayed), such terms are
commercially more acceptable to the parties and provide the same level of
protection for personal data.

B) OBLIGATIONS OF THE SUPPLIER

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

The Supplier acknowledges that BT is the data controller of the Data for the
purposes of the Data Protection Legislation.

The provisions relating to confidentiality in Condition [___________] of the
Contract shall apply in relation to the Supplier's processing of the Data. In
particular, the Data shall not without the prior written consent of BT, be
disclosed or transferred to any person other than to [___________] or their
personnel who have a valid reason for viewing or holding the Data.

The Supplier undertakes to procure that all such personnel in [India] who will
be viewing or who will have access to the Data in the course of providing
services to BT will enter into a legally binding individual confidentiality
declaration with the Supplier before commencing work in relation to the
services.

Prior to personnel being given access to Data, the Supplier will provide
appropriate training to all personnel who will be dealing with or processing
Data in relation to the relevant obligations under the Data Protection
Legislation and security and confidentiality procedures including any security
and confidentiality procedures reasonably requested by BT for the protection of
Data and will provide refresher training when reasonably necessary.

C) DATA PROTECTION PROVISIONS

i.   BT, as the data controller for the purposes of the Data Protection Act,
     taking into account the contractual obligations imposed on the Supplier by
     the Contract and this Work Package Agreement, the technical and
     organisational security measures which are in place and the other
     circumstances relating to the Work Package Services confirms that it
     considers that an adequate level of protection for the Data and for the
     rights of data subjects is in place.

ii.  The Supplier agrees to ensure that all such technical and organisational
     security measures as set out in Annex [B] are maintained throughout the
     duration of the term of the Contract and Work Package Agreement except as
     such arrangements are varied by agreement between the Parties. Accordingly,
     the Parties agree that any transfer of Data will be compliant with Data
     Protection Act.

iii. BT may suspend or terminate its consent and this Work Package for a serious
     breach or serious non-compliance with Data Protection legislation in
     connection with this consent. If either Party becomes aware of any breach
     of or non-compliance with the Data Protection legislation in connection
     with the Sub-Contracted Services that Party shall promptly inform the other
     Party and the Parties shall, as soon as reasonably practicable, conduct a
     review of the matter and implement any changes in processes or procedures
     established by the review

IN CONFIDENCE

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                               SUBJECT TO CONTRACT

SCHEDULE 6 APPENDIX 2 WORK PACKAGE TEMPLATE

APPENDIX A

ANNEX 1

EU MODEL CLAUSES

PART 1

MANDATORY: TO BE COMPLETED AND SIGNED BY THE PARTIES

DATA EXPORTER

The data exporter is British Telecommunications plc

DATA IMPORTER

The data importer is _______________________________

DATA SUBJECTS

The personal data transferred concern the following categories of data subjects:

CATEGORIES OF DATA

The personal data transferred concern the following categories of data:

                                     (ARROW)

SPECIAL CATEGORIES OF DATA (IF APPROPRIATE)

No data classified as Sensitive Personal Data will be processed outside the EEA.

PROCESSING OPERATIONS

The personal data transferred will be subject to the following basic processing
activities:

DATA EXPORTER                           DATA IMPORTER

Name:                                   Name
      -------------------------------        -----------------------------------

-------------------------------------   ----------------------------------------
Authorised signature                    Authorised signature

DATE:                                   DATE:
      -------------------------------         ----------------------------------

IN CONFIDENCE

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PART 2

MANDATORY: TO BE COMPLETED AND SIGNED BY THE PARTIES.

Description of the technical and organisational security measures implemented by
the data importer in accordance with Clauses 4(d) and 5(c) (Schedule 3):
___________________________

Generic measures for each service line in Annex 1 Part 1 [1 through 6]

Operational Organisational Measures

Technical and Security Measures

DATA EXPORTER                           DATA IMPORTER

Name:                                   Name
      -------------------------------        -----------------------------------

-------------------------------------   ----------------------------------------
Authorised signature                    Authorised signature

DATE:                                   DATE:
      -------------------------------         ----------------------------------

IN CONFIDENCE

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SCHEDULE 7 - INTENTIONALLY LEFT BLANK

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PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

SCHEDULE 8 - CHANGE CONTROL PROCEDURE

1. PRINCIPLES

(a)  If at any time either party sees a need to change the Services that party
     may request or recommend such change only in accordance with the Change
     Control Procedure.

(b)  Neither BT nor the Supplier shall unreasonably withhold its agreement to
     any change provided that BT shall not be obliged to agree to any change
     increasing the charges or requiring BT to incur material expenditure.

(c)  Until such time as a change is made in accordance with the Change Control
     Procedure, the Supplier shall, unless otherwise agreed in writing, continue
     to supply the Services as if the request or recommendation had not been
     made.

(d)  Any discussions which may take place between BT and the Supplier in
     connection with a request or recommendation before the authorisation of a
     resultant change to the Services shall be without prejudice to the rights
     of either party.

(e)  Any work undertaken by the Supplier, its sub-contractors or agents which
     has not been authorised in advance by a change to the Services and which
     has not been otherwise agreed in accordance with the provision of paragraph
     1(c) shall be undertaken entirely at the expense and liability of the
     Supplier.

2. PROCEDURES

(a)  Discussion between BT and the Supplier concerning a change to the Services
     shall result in any one of the following:

     (i)  a request to change the Services by BT; or

     (ii) no further action being taken;

     (iii) a recommendation to change the Services by the Supplier.

(b)  Where a written request for an amendment is received from BT, the Supplier
     shall immediately on receipt issue a written acknowledgement to BT and,
     unless otherwise agreed, submit a Change Control Note (CCN) to BT within
     three weeks of the date of the request.

(c)  A recommendation to amend by the Supplier shall be submitted as a CCN
     direct to BT at the time of such recommendation.

(d)  Each CCN shall contain:

     (i)  the title of the change;

Page 116 of 126

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

     (ii) the originator and date of the request or recommendation for the
          change;

     (iii) the reason for the change;

     (iv) full details of the change including any specifications;

     (v)  the price, if any, of the change;

     (vi) a timetable for implementation together with any proposals for
          acceptance of the change;

     (vii) a schedule of payments if appropriate;

     (viii) details of the likely impact, if any, of the change on other aspects
          of the Services including but not limited to:

          (A)  the term of the Contract;

          (B)  the personnel to be provided;

          (C)  the charges;

          (D)  the payment profile;

          (E)  the documentation to be provided;

          (F)  the training to be provided;

          (G)  service levels;

          (H)  working arrangements; and

          (I)  other contractual issues;

     (ix) the date of expiry of validity of the CCN; and

     (x)  provision for signature by BT and the Supplier.

(e)  For each CCN submitted BT shall, within the period of the validity of the
     CCN:

     (i)  allocate a sequential number to the CCN;

     (ii) evaluate the CCN and, as appropriate:

          (A)  request further information;

          (B)  approve the CCN; or

          (C)  notify the Supplier of the rejection of the CCN; and

Page 117 of 126

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

     (iii) arrange for two copies of an approved CCN to be signed by or on
          behalf of BT and the Supplier.

(f)  A CCN signed by both parties shall constitute an amendment to this Contract
     pursuant to condition 22 headed "Variations".

Page 118 of 126

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

SCHEDULE 9 - CONFIDENTIALITY AGREEMENT

IMPORTANT NOTE: This form must be completed by all non-BT people who undertake
Work for BT before they have access to BT information or BT computer systems.

You may, as a supplier or as an employee or subcontractor of a supplier to BT,
have access to BT information or BT computer systems.

BT requires you:

-    to keep all BT information (whether or not it is marked "NOT TO BE SHOWN
     OUTSIDE BT", "INTERNAL", "IN CONFIDENCE", or "IN STRICTEST CONFIDENCE")
     confidential and not to disclose it, unless you first have BT's written
     permission;

-    if you have access to BT customer or personal information, to comply with
     the provisions of the Data Protection Act 1998;

-    to access BT computer systems and BT electronic information only if you
     have been authorised to do so. Unauthorised access may result in your being
     prosecuted under the Computer Misuse Act 1990;

-    to access and use BT computer systems and BT information only as is
     necessary to do your job properly;

-    to read and understand BT Security Requirement and Security Policy;

-    to comply with other BT instructions and security policies that may be
     notified from time to time; and

-    not to connect any equipment not supplied by BT to any BT LAN port.

If you are in any doubt as to these requirements or the policies of BT Group
Security, further advice and information can be obtained from your BT contact.

PERSONAL DECLARATION

I have read and understand the above requirements and agree to be bound by them.

Signed                                  Date:
       ------------------------------         ----------------------------------

Print full name and home address:

Name:
      -------------------------------
Address:
         ----------------------------

Page 119 of 126

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

SCHEDULE 10 - GENERIC STANDARDS

The latest issues are attached as follows:

-    BT Generic Standard 11 Safety Management Issue 7.2

-    BT Generic Standard 13 Environmental Impact Issue 9

-    BT Generic Standard 18 Sourcing with Human Dignity Standard Issue 2

1 CONTRACT RESPONSE

To each attached Generic Standard the Supplier is required to make a declaration
of "Compliant", "Partially compliant" or "Non-compliant" as appropriate.

This declaration shall be followed by a concise supporting statement describing
the way in which the Supplier complies, or why the Supplier does not and
identifying methods and tools used.

Compliance with the attached Generic Standards does not confer immunity from
legal obligations. The Supplier should note that BT reserves the right to
validate the information provided.

2 TABLE OF COMPLIANCE

<TABLE>
<CAPTION>
                      Compliant   Partially Compliant   Non-compliant
                      ---------   -------------------   -------------
<S>                   <C>         <C>                   <C>
Generic Standard 11   (X)
Generic Standard 13   (X)
Generic Standard 18               (X)
</TABLE>

3 BT GENERIC STANDARD 11 FOR COMPLETION

4 BT GENERIC STANDARDS 13 AND 18 FOR ACCESS AND COMPLETION

On the Contract Commencement date the Supplier shall access the following URL's
and complete the following two questionnaires:

https://secure.selling2bt.bt.com/ext/html/gs13/

http://www.selling2bt.com/html/working/humandignity/question.asp

Page 120 of 126

<PAGE>

PORTIONS OF THIS EXHIBIT WERE OMITTED AND HAVE BEEN FILED SEPARATELY WITH THE
SECRETARY OF THE COMMISSION PURSUANT TO AN APPLICATION FOR CONFIDENTIAL
TREATMENT UNDER RULE 406 OF THE SECURITIES ACT; [***] DENOTES OMISSIONS.

IN CONFIDENCE

The Supplier must complete the questionnaires within a two month time period and
ensure that the file is emailed as the instructions indicate.

Page 121 of 126

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