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                                                                    Exhibit 10.6

                          ASSET MANAGEMENT ACCOUNT
                             SERVICES AGREEMENT

         This Agreement dated as of May 15, 2001 is made by and between
CBNY Investment Services Corp. ("Customer"), a company incorporated under
the laws of the State of New York and the Boston Safe Deposit and Trust
Company ("Bank"), a Massachusetts trust company, affiliated with Mellon
Bank, N.A., Mellon Bank (DE) and their affiliates ("Affiliates").

1.       Services Provided.

         a)       The Customer will offer to certain clients an integrated
                  financial services program (Asset Management Account)
                  ("AMA Program"), which may include a securities account
                  provided by the Customer, one or more money market funds,
                  and certain banking services provided by or through the
                  Bank.

         b)       The banking services may include draft writing services,
                  electronic funds transfer services, credit and/or debit
                  card issuance and other services offered by the Bank and
                  selected by the Customer ("Services").

         c)       The Bank may designate or contract with any of the Bank's
                  affiliates or independent third parties to provide the
                  Services under this AMA Program Agreement without
                  providing notice to the Customer. Any such designation or
                  contract does not alter the obligations and
                  responsibilities of Bank to provide the Services.

2.       Applicable Provisions Governing Services.

         a)       AMA Services Agreement. The basic provisions applicable
                  to all of the Services are contained in this Agreement.
                  The provisions contained in this Agreement, Schedule A to
                  the AMA Services Agreement or similar document which the
                  Bank may require to be executed in connection with a
                  particular AMA related service together with any Asset
                  Management Account Services Operating Guidelines (the
                  "AMA Operating Guidelines"), are referred to collectively
                  as the AMA Services Agreement ("AMA Services Agreement").

         b)       Additional Applicable Provisions. In addition to the AMA
                  Services Agreement, the Services provided to the Customer
                  are subject to the Mellon Global Cash ManagementSM
                  Services Terms and Conditions (the "Terms and
                  Conditions") to the extent directly applicable or in the
                  absence of any provision in the AMA Services Agreement,
                  or other Services' descriptions or procedures, the
                  applicable provisions of any software license
                  agreement(s) whether or not executed by the Customer, and
                  any applicable law or governmental regulation.

3.       Definitions.  The following terms shall have the meanings specified
         herein:

         a)       ACH Transaction - an electronic transfer of funds between
                  banks through an Automated Clearing House ("ACH")
                  network.

         b)       AMA Account - the account of an Account Holder on the
                  books of the Customer which Customer designates as an AMA
                  Account.

         c)       AMA Account Program - an integrated financial services
                  program offered by the Customer to Account Holders.

         d)       AMA Operating Guidelines - operational terms and
                  conditions of the services provided under the AMA
                  Services Agreement incorporated herein by reference. The
                  same may be amended from time to time, in accordance with
                  Section 17 hereof.

         e)       Account Holder - Customer's client or clients, in the
                  case of joint accounts (but not an Additional Holder),
                  who participates in Customer's AMA Account Program, or
                  such client's attorney-in-fact authorized by such client
                  in accordance with the terms and conditions of this
                  Agreement. In the case of a joint account, each Holder
                  may act individually without the consent of the other(s)
                  unless the Bank is specifically advised in writing of
                  instructions to the contrary. The Bank may decline to
                  honor such instructions if in the Bank's judgment, it is
                  unreasonable to honor the instructions.

         e)       Additional Holder - an individual to whom an additional
                  debit card has been issued in the manner prescribed by
                  the Bank and who can, among other things, cause Debit
                  Card Transactions to be executed but who does not have
                  the authority to draw drafts.

         f)       Available Assets - the aggregate value in an Account
                  Holder's AMA Account of cash balances, net asset value of
                  money market fund shares, and/or margin value of
                  marginable securities, if any, as determined by Customer.

         g)       Business Day - any day other than Saturday, Sunday or
                  other day on which banks in Massachusetts are authorized
                  by law to close.

         h)       Chargeback - a Debit Card Transaction returned by an
                  Issuer in accordance with the rules and regulations of
                  MasterCard(R), which shall result in a liability for the
                  merchant in the amount of the Debit Card Transaction
                  evidenced by the MasterMoney(TM) Notice.

         i)       Clearing Account - the account established by the
                  Customer at the Bank for the purpose of processing and
                  settling for items.

         l)       Communications Network - all components of that system
                  designed and developed by, and under control of, the Bank
                  for its Customers for the purpose of transmitting and
                  receiving AMA Account data by means of electronic
                  devices.

         m)       Debit Card - A MasterMoney(TM) Card bearing the logos and
                  tradestyles of MasterCard(R) (including debit cards and
                  additional cards issued pursuant to an additional card
                  request) issued by the Bank to an Account Holder or
                  Additional Holder upon request and approved by the
                  Customer in connection with an AMA Account.

         n)       Debit Card Transactions - (i) point of sale ("POS")
                  transfers made on a Debit Card; (ii) cash withdrawal made
                  at any participating automatic teller machine ("ATM") or
                  bank in the MasterCard(R) network; (iii) delinquency
                  assessments in connection with a Debit Card; and (iv) any
                  other charges or fees which are made or incurred in
                  connection with a Debit Card.

         o)       Drafts - shall have the meaning as stated in Article 3
                  and 4 of the Uniform Commercial Code, meeting
                  specifications reasonably established by the Bank after
                  consultation with the Customer, and issued to, and drawn
                  by, Account Holders payable through the Bank in
                  connection with AMA Accounts. The use of the terms such
                  as checkbook and check clearing are references to the
                  payable through draft service offered by the Bank as part
                  of the AMA Services.

         p)       Draft Writing Privileges - an Account Holder's or
                  Additional Account Holder's right to draw drafts.

         q)       Governmental Authority - shall mean any state or federal
                  governmental or political subdivision or any agency,
                  bureau, commission, department or instrumentality
                  thereof, or any court, tribunal, grand jury or
                  arbitration panel, in each case whether foreign or
                  domestic.

         r)       Interest Factor - the economic loss resulting from the
                  inability to earn interest on funds, or the economic loss
                  resulting from the failure to be reimbursed for funds
                  previously extended. The Interest Factor shall be
                  determined by the Bank using the Daily Effective Federal
                  Funds Rate published by the New York Federal Reserve Bank
                  for the period involved.

         s)       Item(s) - drafts, ACH transactions, and other payment
                  instruments used in connection with the AMA Account
                  Program, but not including Debit Card Transactions.

         t)       Law - any law (including common law), constitution,
                  statute, treaty, convention, regulation, rule, ordinance,
                  order, injunction, writ, decree or award of any
                  Governmental Authority.

         u)       MasterCard(R) - credit and debit card services provided
                  by MasterCard International to customers through
                  financial institutions.

         v)       MasterMoneyTM Notice - A properly completed MasterMoney
                  voucher, electronic record or communication, transaction
                  form, or other evidence of an adjustment or of a
                  cardholder indebtedness arising from and documenting a
                  transaction in a form acceptable to Boston Safe and in
                  compliance with the MasterCard rules and regulations.

         w)       Properly Payable - shall have the meaning as stated in
                  Article 4 of the Uniform Commercial Code.

4.       Services. Pursuant to the AMA Services Agreement, the Bank will
         provide the Services shown on Schedule A. Any services provided,
         whether or not shown on Schedule A and initialed by the Customer,
         shall be deemed to be provided in accordance with this AMA
         Services Agreement, and any other applicable agreement between the
         Customer and the Bank. The Bank may provide additional services
         which are not within the AMA product line, in which case the
         parties agree that those services will be provided in accordance
         with, and governed by, separate agreements between the Customer
         and the Bank. The following is a brief description of some of the
         AMA Services shown on Schedule A and more fully explained in the
         AMA Operating Guidelines:

         a)       Draft Processing: The Bank assumes no liability in
                  conjunction with this draft processing service and
                  Customer agrees to release the Bank from all obligations
                  arising under Articles 3 and 4 of the Uniform Commercial
                  Code or otherwise concerning examination of items
                  presented for payment. The Bank is not the drawee or the
                  payor of the Drafts, because the Drafts are "payable
                  through drafts" as defined in Article 4 of the Uniform
                  Commercial Code. The Bank will not be deemed to have
                  failed to exercise ordinary care or good faith by not
                  examining items to see if they are properly signed by
                  authorized individuals or for not otherwise inspecting
                  items. With respect to deposit accounts and draft
                  writing, Customer agrees to indemnify and hold harmless
                  the Bank against all damage or expense incurred by the
                  Bank arising out of the use of the facsimile signature
                  the Customer authorized. Bank may rely on a facsimile
                  signature specimen that appears to resemble the
                  appropriate facsimile signature specimen provided by the
                  Customer regardless of how the facsimile signature came
                  to be placed on the item.

              i)  Optional Signature Verification Service: If this option
                  is selected on the Schedule A, the Bank will modify the
                  draft process and perform a proprietary signature review
                  based on the current signature on file of the Account
                  Holder as presented by the Customer, and be subject to
                  the defenses and limitations of the Uniform Commercial
                  Code or other applicable law.

                  The Customer is solely responsible for ensuring that a
                  current updated signature is received by the Bank and the
                  Bank is not liable for the information on the signature.
                  The legitimacy of the Account Holder's signature on the
                  physical signature card is the responsibility of
                  Customer. All signature cards remain the property of
                  Customer. Any digitized signature database, however,
                  shall be the property of the Bank and will be turned over
                  to Customer only at the discretion of the Bank and at
                  Customer's expense. In the event there is no signature on
                  file, it is the responsibility of Customer to obtain a
                  signature card and forward it to the Bank to prevent
                  on-going signature violations. In the interim, the Bank
                  will accept a written guarantee by an authorized officer
                  of the Customer to honor all drafts on an account without
                  a signature card or scan a signature from an Account
                  Holder's draft if so directed by Customer. The Bank will
                  not be liable for any service fees, interest adjustments
                  or damages claimed resulting from a draft which was
                  returned for a signature violation if the Account
                  Holder's signature was not provided to the Bank.

                  If Customer authorizes the payment of drafts by a
                  facsimile signature, the Bank will not be liable for any
                  damages arising from reliance on a facsimile signature
                  that resembles the appropriate facsimile signature
                  specimen given to the Bank and appears to have been made
                  through an authorized medium, regardless of how the
                  facsimile signature came to be placed on the draft.
                  Account Holder is responsible for ensuring that adequate
                  controls are in place over equipment used to generate
                  facsimile signatures and Customer agrees to indemnify the
                  Bank for any damages resulting from unauthorized use of
                  such equipment.

             ii)  Stop Payment: If this option is selected on Schedule A,
                  stop payment services shall be provided in accordance
                  with the AMA Operating Guidelines and subject to Article
                  4 of the Uniform Commercial Code and any other applicable
                  law. The Bank is not responsible for verification of stop
                  payment information. Customer and/or Account Holder are
                  responsible for notifying the Bank of any discrepancy and
                  providing an updated stop payment with the corrected
                  information.

         b)       MASTERMONEY(TM)CARD. The Bank, is authorized by
                  MasterCard to serve as a MasterCard issuer, and is duly
                  authorized to perform the MasterMoney(TM)issuing
                  activities as set forth in the AMA Operating Guidelines.
                  The Bank at all times maintains control of all
                  MasterMoney(TM)accounts and may terminate an Account
                  Holder's card privileges without permission from
                  Customer. The Bank reserves the right to approve Personal
                  Identification Number (PIN) assignment procedures
                  associated with card issuance. Customer is responsible
                  for assuring that the brand names used on the card are
                  available for such use and that all MasterCard design
                  requirements are met. The Bank, as MasterCard issuer,
                  will establish maximum daily ATM and POS withdrawal
                  limits. These limits are subject to change at the
                  discretion of the Bank, as needed, with prior written
                  notice to the Customer. Processing services may be
                  provided directly by the Bank or through third parties
                  selected by the Bank.

                  This service shall be provided subject to the Electronic
                  Funds Transfer Act, Regulation E, MasterCard regulations,
                  and any applicable law. By accepting such service,
                  Customer warrants that it will comply with all
                  requirements thereunder including, but not limited to,
                  those governing disclosure to Account Holders. Proper
                  disclosure, including compliance with state or other
                  superseding laws is the responsibility of Customer. The
                  Bank assumes no liability and Customer agrees to
                  indemnify the Bank for any and all damages arising from
                  unauthorized Debit Card Transactions.

                  Optional MasterCard Services Liability Coverage: If this
                  option is selected on Schedule A, the Bank will assume
                  liability coverage for damages resulting from
                  unauthorized MasterMoney(TM) transactions, up to the
                  Bank's daily established ATM and POS limits and subject
                  to the defenses and limitations provided in the Uniform
                  Commercial Code or applicable law. The Bank, however,
                  does not assume any liability for damages incurred due to
                  cards placed in a lost or stolen status in error.

         c)       ACH Services: As part of the AMA Services Agreement, the
                  Bank offers AMA Account Holders ACH receiving only
                  services. Customer may offer the AMA Account Holder ACH
                  origination or sending services. ACH origination services
                  will be provided in accordance with Terms and Conditions.
                  The Bank will follow the NACHA Rules and incorporate them
                  by reference into the AMA Services Agreement, except to
                  the extent that they are modified by the AMA Services
                  Agreement. Under the NACHA Rules, the Bank makes certain
                  warranties in providing ACH Service, and the Customer
                  makes similar warranties to the Bank.

5.       Processing Items. The Bank agrees to process Items received by it
         in accordance with this Agreement stated herein and the AMA
         Operating Guidelines. All references to times of a day in this
         Agreement shall refer to Eastern Time as to when each is in effect
         in Boston, Massachusetts. The Bank is under no obligation to cash
         an item at any of its offices as it is only payable through, not
         payable at, the Bank.

6.       Paying Items. The Bank will, in accordance with the AMA Operating
         Guidelines, pay Items which can be paid in full based upon the
         Account Holder's Available Assets. For the purposes of making the
         decision whether or not to pay Items, Customer and the Bank will
         communicate with each other by means of the Communications Network
         and/or telephone.

         In the event that Customer is unable to transmit funds to the Bank
         within the specified deadlines, the Bank may agree to pay Items,
         in accordance with Customer's written instructions and promise to
         pay for such Items no later than the Bank's next business day
         together with compensation for Items so paid. Such written
         instructions and promise to pay must be made by an authorized
         officer of Customer and received by Bank prior to the Bank
         agreeing to pay such Items.

7.       Return Items and Adjustments. The Bank will rely on the
         instructions and information supplied by Customer to the Bank
         regarding return items, subject to the Bank's right to return
         Items in accordance with the AMA Operating Guidelines. The Bank
         will process AMA Account adjustments and chargebacks, as provided
         in the AMA Operating Guidelines.

8.       Month End Statements. The Bank will provide Customer with enhanced
         data, as set forth in the AMA Operating Guidelines. Customer will
         utilize this data to provide, among other things, the Account
         Holder with a descriptive month-end statement of Items and Debit
         Card Transactions processed by the Bank, in accordance with
         applicable state or federal law or regulation, or MasterCard
         rules. The Bank will retain the original canceled authorized
         drafts for a period of not less than ninety (90) days following
         cancellation thereof. After the 90 day period, the original drafts
         will be destroyed or returned to the Customer, if elected. The
         Bank will make microfilm or image copies of all authorized drafts
         and retain such copies as required by applicable law. The Bank is
         not responsible for maintaining copies of MasterMoney(TM)Notices
         or any other records of Debit Card Transactions.

9.       Forms Approval and Inventory. Customer will provide at its cost
         any forms necessary in connection with the opening of AMA
         Accounts. Customer warrants that the forms will meet the
         disclosure and any other requirements under law necessary for the
         provision of the Services in connection with Customer's AMA
         Account Program.

10.      Establishing Clearing Account. The Clearing Account will be
         established by the Customer with the Bank. The Clearing Account
         may be used only for the purposes and in the manner stated herein,
         and be subject to the Terms and Conditions. If there are any
         conflicts, regarding the Clearing Account, between the AMA
         Services Agreement and the Mellon Global Cash Management Terms and
         Conditions, the Terms and Conditions will govern.

11.      Daily Net Settlement. The daily outstanding net settlement balance
         between Customer and the Bank will be satisfied by wire transfer
         of immediately available funds on each day which is a Business
         Day, in accordance with the AMA Operating Guidelines. Unless
         otherwise agreed to by Customer and the Bank, Customer will
         utilize the Federal Reserve Communications System ("Fedwire"), to
         execute wire transfers.

         In the event any daily outstanding settlement balance is owed to
         the Bank, Customer will pay the Bank by credit to the Clearing
         Account. In the event any daily outstanding settlement balance is
         owed to Customer, the Bank will pay customer by crediting the
         Clearing Account.

         Customer and the Bank agree to establish and follow special
         procedures in order to exchange data and settle daily outstanding
         balances on days which are a business day for one but not for both
         parties. For this purpose, the parties shall notify each other of
         their respective holidays for the upcoming year no later than
         December 15, or such time as they become known.

12.      Inability to Use Communications Network. If, for any reason,
         Customer or the Bank is unable to use the Communications Network
         or Fedwire, Customer and the Bank shall use their best efforts to
         transmit and receive data and immediately available funds by
         alternative means. Such alternative means shall include without
         limitation:

         o     use of courier services;

         o     use of telephone services;

         o     use of other wire transfer systems;

         o     electronic transmission to or from another location,
               provided that such other location's communication interface
               specifications are consistent with those used in connection
               with the Communications Network; or

         o     such other means which may be reasonable under the
               circumstances.

         However, neither Customer nor the Bank shall be required to
         utilize any such alternative means if such party, in its
         reasonable judgment, determines that use thereof would be
         commercially unreasonable or impractical.

         If Customer and the Bank are unable to communicate with each other
         after attempting to use reasonable alternative means, then
         Customer hereby directs the Bank to return all Items received by
         the Bank for payment.

13.      Termination of Holder's Privileges. The Bank will terminate an
         Account Holder's draft writing and Debit Card privileges with
         respect to an AMA Account effective upon termination of an Account
         Holder's AMA Account with Customer. Customer will promptly notify
         the Bank of the termination of any AMA Account. Customer is
         responsible for the recovery of Account Holder's drafts and Debit
         Cards, if any, upon termination. Customer is liable for any
         unauthorized use of drafts or Debit Cards following termination,
         or in the event of a breach of termination by Account Holder.

14.      Fees. For the Initial Term (as defined in Section 16 (a) herein)
         of the AMA Services Agreement, the Customer shall pay for
         participation in the activities described in this Agreement. After
         the Initial Term, Fees may be amended upon 30 days written notice
         to the Customer, unless such change is due to an adjustment in
         rates by MasterCard, in which case such change to reflect any such
         adjustment shall be effective on the date set forth in such
         written notice. The Customer shall be advised as to the amount of
         all fees, and the Customer agrees to pay such fees on receipt of
         such advice.

15.      Taxes. In the event that the relationship created between the Bank
         and Customer under this Agreement gives rise to any tax liability,
         exclusive of income and similar taxes, whether local, state or
         federal, such obligation, regardless of whether or not assessed
         against Customer, will be the sole responsibility of Customer.
         Customer shall reimburse the Bank for any such demand therefore,
         provided, however, that Customer reserves the right to contest or
         have the Bank contest, on Customer's behalf and at Customer's
         expense, such tax assessment.

16.      Term and Termination of the AMA Services Agreement.

         a)       Term. This AMA Services Agreement shall commence when
                  signed by authorized officers of the Bank and Customer
                  and shall continue in full force and effect for a period
                  of three years (the "Initial Term") from the date signed
                  by the Bank, unless terminated early in accordance with
                  16 (b) or (c).

         b)       Termination. During the Initial Term, the AMA Services
                  Agreement shall continue in full force and effect unless
                  one party gives the other party at least sixty (60) days
                  prior written notice of its intent to terminate the AMA
                  Services Agreement. After the Initial Term, either party
                  may terminate the AMA Services Agreement reserving all
                  other remedies and rights hereunder in whole or in part,
                  upon sixty (60) days written notice to the other party
                  without cause.

         c)       Early Termination. Either party may terminate the AMA
                  Services Agreement immediately with cause and notice to
                  the other party of such termination. If a Force Majeure
                  situation continues for more than 30 days, then each
                  party shall have the right to terminate this Agreement
                  upon written notice to the other party.

         d)       Rights Upon Termination. The termination of the AMA
                  Services Agreement shall not terminate, affect or impair
                  any rights, obligations or liabilities of either party
                  hereto which may accrue prior to such termination or
                  which, under the terms of the AMA Services Agreement,
                  continue after the termination. Without limiting the
                  generality of the foregoing, the parties agree that
                  Customer and the Bank will process all Items made before
                  the termination which are received for payment or credit
                  after the termination of the Agreement, upon the same
                  terms and conditions applicable to the Bank and Customer
                  as are provided herein and with respect thereto Customer
                  shall debit or credit the respective AMA Accounts and
                  transmit payment therefore to the Bank in accordance with
                  the terms of the AMA Services Agreement as if such
                  termination had not occurred.

         e)       Duties After Termination. In order to preserve the
                  goodwill of Account Holders after termination of the
                  Agreement, both parties shall cooperate in order to help
                  facilitate a smooth and orderly transition of AMA
                  Accounts.

17.      AMA Operating Guidelines.

                  Customer and the Bank acknowledge and agree that they
                  each have a copy of the AMA Operating Guidelines. The
                  Customer shall be agree to be bound by the provisions of
                  the AMA Operating Guidelines by utilizing the Services
                  selected on the Schedule A, which may be amended from
                  time to time and effective when accepted by the Bank. The
                  AMA Operating Guidelines may be amended from time to time
                  by the Bank.

18.      Liability.

         a)       Scope of Liability. Except as otherwise provided in the
                  AMA Services Agreement or applicable law, the Bank's
                  liability relating to any Service is limited to the
                  actual proven damages arising directly from its own
                  negligence or willful misconduct. The Bank will not be
                  liable for any special, incidental (except as may be
                  required by law), indirect, consequential or punitive
                  damages, or attorneys' fees. In addition, the Bank will
                  not be liable for any losses or damages caused by the
                  action or inaction of Customer, or any agent or employee
                  of Customer or any other third party whatsoever, whether
                  or not such action or inaction constitutes negligence or
                  a breach of the AMA Services Agreement.

         b)       Force Majeure. The Bank will not be liable for
                  inabilities to perform, delays, interruptions of service
                  agencies or any damages caused by strike, fire, flood,
                  war, industrial disturbances, equipment malfunction,
                  electrical or mechanical failure, acts of God, civil
                  commotion, governmental action, delays by third parties,
                  unusually severe weather or other events or circumstances
                  beyond its reasonable control. Customer agrees that the
                  fees charged for the performance of the Services have
                  been established in contemplation of these limitations on
                  liability.

         c)       Duration of Liability. The parties acknowledge that the
                  reconstruction of events causing Customer to sustain
                  damages becomes difficult and may be inaccurate more than
                  one year following the occurrence of such events.
                  Therefore, Customer agrees that any claim, action, suit
                  or proceeding against the Bank for damages resulting from
                  its acts or omissions in the performance of the Services
                  must be brought within one year from the date of the
                  Bank's alleged act or omission, unless action is brought
                  by an Account Holder against the Customer for any action
                  for which Bank may be liable to the Customer hereunder.
                  However, if applicable law does not allow reduction of
                  the statute of limitations to one year, then all claims,
                  actions, suits or proceedings against the Bank must be
                  brought within the shortest period of time which such law
                  allows for agreements limiting periods of time for the
                  filing of such suits.

         d)       Liability for Third Parties. Provision of certain
                  Services is dependent upon the receipt by the Bank of
                  certain services from third parties. In the event
                  Services from any such third party becomes unavailable,
                  the Bank shall use reasonable efforts to obtain
                  equivalent services from an alternative provider or may,
                  in its discretion, discontinue the related Service upon
                  such prior written notice to Customer. The Bank will have
                  no liability for the performance or nonperformance of any
                  such third party.

         e)       Third Party Vendors. Customer may utilize a third party
                  vendor (such as an ACH third party processor) to deliver
                  or receive banking transactions and, in so doing,
                  Customer agrees at all times and in all respects (i) the
                  vendor is the agent of Customer and not the Bank; (ii)
                  the Bank makes no representation or warranty regarding
                  and assumes no responsibility with respect to any
                  Services performed or promised by the vendor; and (iii)
                  Customer assumes all risk of loss (including loss or
                  theft by third parties or employees of Customer or
                  vendor) prior to the Bank's acceptance of such
                  transactions from the vendor and subsequent to the
                  vendor's acceptance of transactions from the Bank.
                  Customer agrees that it and the vendor will be
                  responsible for all loss recovery procedures and
                  processes, although the Bank will undertake reasonable
                  efforts to facilitate such loss recovery.

         f)       Indemnification. Customer agrees to indemnify, defend and
                  hold the Bank, its Affiliates and directors, officers,
                  employees and agents harmless from and against any
                  damage, loss or liability of any kind, including without
                  limitation, settlement costs, reasonable attorneys' fees
                  and court costs, the Bank may incur i) if the Customer
                  makes a false representation or breaches a warranty, ii)
                  if the Customer fails to perform its obligations under
                  the Agreement or applicable law, or iii) as a result of
                  the Bank's performance to the Customer in good faith and
                  without negligence..

         g)       Survival. The terms of this Section shall survive the
                  termination of this Agreement.

19.      WARRANTIES. THE BANK MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN
         LAW OR IN FACT, INCLUDING BUT NOT LIMITED TO THE IMPLIED
         WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE AND OF
         MERCHANTABILITY, EITHER TO CUSTOMER OR TO ANY OTHER PARTY WITH
         RESPECT TO ANY COMPUTER PROGRAMS OR OTHER SOFTWARE PRODUCTS
         PROVIDED BY THE BANK PURSUANT TO ANY SERVICE.

20.      Governing Law. The AMA Services Agreement shall be governed by and
         construed in accordance with the laws of the Commonwealth of
         Massachusetts and all applicable Federal law.

21.      Use of Trademarks and Names. Neither party shall use the
         registered trademarks, service marks, logos, names, or any other
         proprietary designations of the other party without that party's
         prior written approval.

22.      Relationship of the Parties. The Bank and Customer agree that in
         performing their responsibilities pursuant to the AMA Services
         Agreement they are in the position of independent contractors. The
         AMA Services Agreement is not intended to create, nor does it
         create and shall not be construed to create, a relationship of
         partner or joint venture or any association for profit between and
         among the Bank and Customer.

23.      Representations, Warranties and Covenants. The Customer hereby
         makes the following representations, warranties and covenants
         which shall be true and correct on the date hereof and shall
         continue to be true and correct so long as this AMA Services
         Agreement is in effect, or so long as the Customer has any
         obligations to the Bank hereunder:

         a)       Organization. The Customer has the requisite power and
                  authority required to own its properties and assets, to
                  carry on its businesses as now being conducted and is
                  qualified to do business in every jurisdiction in which
                  it is required to qualify to do business.

         b)       Validity and Binding Nature. The Customer has the power
                  to execute, deliver, and perform the AMA Service
                  Agreement and when executed and delivered, the AMA
                  Services Agreement will be a valid and binding obligation
                  of the Customer, enforceable in accordance with its
                  terms.

         c)       Due Authorization. The execution, delivery and
                  performance of the AMA Services Agreement has been duly
                  authorized by all corporate action required for the
                  lawful creation and issuance and performance thereof and
                  will not violate any Law or the constituent documents and
                  by-laws of the Customer.

         d)       Authorization and Consents. The Customer has obtained all
                  necessary authorizations, consents, approvals, licenses
                  or exemptions from, and has made all necessary
                  registrations, qualifications, designations, declarations
                  or filings with, any Governmental Authority, for the
                  valid execution, delivery and performance by the Customer
                  of the AMA Services Agreement and the offering of AMA
                  Services by the Customer to its Account Holders.

         e)       Customer's Account Holders. The Customer, before
                  accepting an Account Holder and thereafter for so long as
                  any person or entity remains an Account Holder, performed
                  due diligence. The Customer will provide a certified
                  taxpayer identification number ("TIN"), when applicable,
                  for each Account Holder and assumes full responsibility
                  for not providing such number.

         f)       Disclosures to Account Holders. The Customer shall
                  provide to its Account Holders all disclosures,
                  prospectuses, information and notices regarding the AMA
                  Services, as required by all applicable Laws.

         g)       Compliance with Laws. Neither the execution and delivery
                  of the AMA Service Agreement by the Customer, nor
                  consummation by Customer of the transactions contemplated
                  herein, nor performance of or compliance with the terms
                  and conditions hereof, nor the offering of AMA Services
                  by the Customer to its Account Holders does or will
                  violate or conflict with any Law, including, but not
                  limited to, any Laws relating to the United States
                  Department of the Treasury Office of Foreign Assets
                  Control.

         h)       Misrepresentation/Complete Disclosure. Neither the AMA
                  Services Agreement, nor any other document, statement, or
                  certificate furnished to the Bank by or on behalf of the
                  Customer in connection herewith, either contains an
                  untrue statement of a material fact or omits to state a
                  material fact necessary which omission would render any
                  other statements contained therein misleading.

24.      Notices. Except as otherwise provided hereon, all notices,
         requests and approvals required by the AMA Services Agreement (i)
         shall be in writing, (ii) shall be addressed to the parties as
         indicated below unless notified in writing of a change of address,
         and (iii) shall be deemed to have been given either when
         personally delivered or, if sent by mail, overnight delivery
         service, facsimile transmission, upon delivery thereof. The
         addresses of the parties are as follows:

         To the Bank:      Boston Safe Deposit and Trust
                           135 Santilli Highway
                           Everett, MA 02149
                           Attention:  Thomas Drunsic
                           Facsimile:  617 382-4622

         Copy to:          Mellon Global Cash Management
                           c/o Mellon Bank, N.A,
                           Mellon Client Service Center, Room 154-1380
                           Pittsburgh, PA 15262-0001
                           Attention:  Document Control Group Manager
                           Facsimile Number: 412 236-7419

         To Customer:      CBNY Investment Services Corp.
                           320 Park Avenue, 18th Floor
                           New York, NY 10022
                           Attention: Carl Schutt, Operations Department
                           Facsimile Number: _____________________

25.      Entire Agreement: Modifications and Changes. The AMA Services
         Agreement and Schedules A attached hereto, together with the AMA
         Operating Guidelines, incorporated by reference, constitutes the
         entire AMA Services Agreement between the parties relating to the
         subject matter herein. The Bank may amend the Mellon Global Cash
         ManagementSM Services Terms and Conditions, and/or the AMA
         Operating Guidelines from time to time by giving notice to
         Customer. In addition, the Bank may agree to modifications of this
         AMA Services Agreement; however, such modifications will be
         effective only if made in writing. The Customer may amend the
         Schedule A by providing a new Schedule A properly completed and
         authorized and subject to acceptance by the Bank prior to any
         service implementation.

26.      No Third Party Beneficiaries: Assignment. Subject to the
         provisions of this Section, the AMA Services Agreement and the
         rights and obligations created under it shall be binding upon and
         inure solely to the benefit of the parties hereto and their
         respective successors and assigns, and no other person shall
         acquire or have any right under or by virtue of the AMA Services
         Agreement. The AMA Services Agreement shall not be assigned or
         transferred by the Customer, in whole or in part, voluntarily,
         involuntarily or by operation of law, without the prior written
         consent of the Bank. The Bank may, however, assign the AMA
         Services Agreement to any affiliate without giving notice to the
         Customer. Subject to the provisions of the foregoing, the AMA
         Services Agreement will be binding upon and inure to the benefit
         of the parties hereto and their respective representatives,
         successors and assigns.

27.      Effectiveness. The AMA Services Agreement shall become effective
         when it has been accepted and executed on behalf of Customer by an
         authorized officer and on behalf of the Bank by an authorized
         officer. The AMA Services Agreement supercedes all prior and
         contemporaneous understandings and agreements, whether written or
         oral, among the parties hereto relating to the transactions
         provided for herein and therein.

28.      Waivers. Neither of the parties shall be deemed to have waived any
         of its rights, powers or remedies hereunder unless such waiver is
         approved in writing by the waiving party. No failure or delay by
         either party in exercising any right, power or remedy with respect
         to any of the provisions of the AMA Services Agreement will
         operate as a waiver of such provisions with respect to subsequent
         occurrences.

29.      Severability. If any provision of the AMA Services Agreement or
         portion thereof is held invalid, illegal, void or unenforceable by
         reason of any rule of law, administrative or judicial provision or
         public policy, all other provisions of the AMA Services Agreement
         shall nevertheless remain in full force and effect.

30.      Headings. The headings contained herein are for convenience of
         reference only and are not intended to define, limit, expand or
         describe the scope or intent of any provision of the AMA Services
         Agreement.

31.      Singular Terms. Terms defined in the AMA Services Agreement in the
         singular shall be deemed to include the plural and those defined
         in the plural shall be deemed to include the singular.

32.      Confidentiality. The Customer and Bank will use their best efforts
         to protect the integrity and confidentiality of all data and
         procedures, Customer information, and documents related to each
         parties' in using the Service. Each will provide and take all
         necessary or appropriate security precautions to ensure access to
         such data, Customer information and documents shall be available
         only to the personnel required in conjunction with the Service.
         Each will not divulge or communicate to any third party not
         involved in the Service and information concerning such data,
         Customer information and documents unless required under
         applicable law or so directed by an authorized person.

                 Remaining of Page Intentionally Left Blank

IN WITNESS WHEREOF, intending to be legally bound by the terms and
conditions of the AMA Services Agreement, the parties have caused this
Asset Management Account Services Agreement to be signed under seal as of
the day indicated below their signature.

                                       CBNY INVESTMENT SERVICES CORP.

                                           By: /s/ Jose Aparecido Paulucci
                                               -----------------------------
                                           Name (Printed): Jose A. Paulucci
                                                           ----------------

                                           Title: President
                                                  -------------------------

                                           Date:  5/15/01
                                                  -------------------------

                                       BOSTON SAFE DEPOSIT AND TRUST COMPANY

                                           By: /s/ Thomas M. Horgan
                                               -------------------------------
                                           Name (Printed): Thomas M. Horgan
                                                           -------------------

                                           Title: Vice President
                                                  ----------------------------

                                           Date:  5-17-01
                                                  ----------------------------

                ASSET MANAGEMENT ACCOUNT SERVICES AGREEMENT
                                 SCHEDULE A

This Schedule forms an integral part of the Asset Management Account
Services Agreement ("AMA Services Agreement") executed by and between CBNY
Investment Services Corp. ("CBNY") and Boston Safe Deposit and Trust
Company ("Boston Safe"). The Services initialed below constitute the
Services provided pursuant to that Agreement. By selecting any such
Service, Customer concurrently selects all standard features thereunder.

I.       DRAFT PROCESSING
A.       Standard Features
o        Daily Settlement and Funding       Yes
o        Return Processing                  Yes
o        Stop Payment Processing            Yes
o        Adjustments                        Yes
o        Signature Scanning                 Yes
o        Photo Copy Requests                Yes
o        Forged Signature Claims            Yes
o        Forged Endorsement Claims          Yes

B.   Optional Features
o        Signature Verification             Yes
o        Check Detail Enhancement           Yes
o        Collection Items Processing        Yes
o        Dollar Minimum/Maximum Cutoffs     No
o        Check Ordering and Testing         Yes
o        Account Holder Database            Yes
o        Cancelled Check Rendering          No (exception basis only)
o        Treasury, Tax and Loan Payments    No

II.      DEBIT CARD

A.   Standard Features
o        Daily Settlement and Funding       Yes
o        Chargebacks                        Yes
o        Adjustments                        Yes
o        Balance Files                      Daily
o        Inquiries                          Yes
o        Lost or Stolen MasterMoney
           Card Claims                      Yes
o        Unauthorized Master Money
           Transactions                     Yes

B.   Optional Features
o        Card Ordering                      Will be handled by CBNY
o        Account Holder Database            Yes
o        Liability Coverage (POS and ATM)   $9,999 POS $1,000 ATM

III. ACH (Receiving)

A.   Standard Features
o        Daily Settlement and Funding       Yes
o        Reclamations      (Government)     No
o        Return ACH Items                   Yes

B.   Optional Features
o        Credits only                       No
o        Debits only                        No
o        Both Credits and Debits            Yes

IV.  BONUS AWARDS PROGRAM

A.   Standard Features
o        Bonus Database                     No

CBNY Investment Services Corp.

By: /s/ Jose Aparecido Paulucci
    ---------------------------------

Name (Printed): Jose A. Paulucci
                --------------------

Title: President
       ----------------------------

ACCEPTED THIS 15 DAY OF MAY,

Boston Safe Deposit And Trust Company

By: /s/ Thomas M. Horgan

Name (Printed): Thomas M. Horgan
                -----------------------

Title: Vice President
       --------------------------------<PAGE>

                                                                    Exhibit 10.7

--------------------------------------------------------------------------------
                                     LEGEND

Portions of this exhibit have been omitted pursuant to a request for
confidential treatment filed with the Securities and Exchange Commission. The
omissions have been indicated by asterisks ("****"), and the omitted text has
been filed separately with the Securities and Exchange Commission.
--------------------------------------------------------------------------------

                           REMOTE PROCESSING AGREEMENT

                                     BETWEEN

                                SUNGARD EMS INC.
                             a Canadian corporation
                                   ("SUNGARD")

                                       AND

                         CBNY INVESTMENT SERVICES CORP.
                             a New York corporation
                                  ("CUSTOMER")

                                      DATED

                                  June 5, 2001

By the signatures of their duly authorized representatives below, SunGard and
Customer, intending to be legally bound, agree to all of the provisions of this
Agreement and all Schedules and Addenda to this Agreement.

SUNGARD EMS INC.

BY:  /s/ Richard Seguin
    ------------------------------------

PRINT NAME:  Richard Seguin
           -----------------------------

PRINT TITLE:  President
            ----------------------------

CBNY INVESTMENT SERVICES CORP.

BY:  /s/ Robert Wotczak
    ------------------------------------

PRINT NAME:  Robert Wotczak
           -----------------------------

PRINT TITLE:  First Vice President
            ----------------------------

<PAGE>
1.   SERVICES

         1.1 PROVISION OF SERVICES. During the term of this Agreement, SunGard
shall provide to Customer, and Customer shall accept, the on-line processing,
report services and related services described on Schedule A to this Agreement
("System Services") available through use of SunGard's proprietary applications
software system identified on Schedule A to this Agreement ("System") and the
related documentation listed on Schedule A ("Documentation"), as the System
Services, System and Documentation may be modified, revised and updated in
accordance with this Agreement.

         1.2 CUSTOMER DATA. Customer shall supply to SunGard all of the data to
be processed under this Agreement as described on Schedule A and in the
Documentation (the "Customer Data"). Customer shall transmit the Customer Data
to SunGard by communications link or in another manner described on Schedule A.
Customer shall use its commercially reasonable efforts to ensure that any
Customer Data that it introduces into the System is accurate and complete.
Customer shall maintain copies of all source data and current backup copies of
all Customer Data supplied to SunGard, and SunGard shall have no liability for
any loss or damage caused by Customer's failure to maintain copies.

         1.3 LIMITED USE. Customer may use the System Services and Documentation
only in the ordinary course of its business operations and for its own business
purposes, subject to any restrictions of the Third Party Providers. Access to
and use of the System Services by Customer shall be limited, as described on
Schedule B to the Initial Term, Number of URLs, and other access and volume
limits as may be described on Schedule B, and/or other parameters as
appropriate, stated on Schedule B (collectively, "Scope of Use"), Customer shall
use the System Services only in accordance with the Documentation. Customer may
use only the copies of the Documentation that are provided by SunGard, except
that Customer may copy the Documentation to the extent reasonably necessary for
routine backup and disaster recovery purposes.

2.   INITIAL IMPLEMENTATION SUPPORT AND TRAINING

         2.1 INITIAL IMPLEMENTATION. SunGard shall provide and Customer shall
accept the Initial Implementation Support described on Schedule C. This shall
include delivery to Customer of the initial Copies of the Documentation stated
on Schedule C and assistance with any other implementation or related activities
described on Schedule C. Subject to the availability of SunGard's personnel,
SunGard shall provide to Customer additional implementation support services
reasonably requested by Customer. After delivery, Customer shall bear all risk
of loss or damage to all copies of the Documentation delivered by SunGard to
Customer. SunGard shall provide to Customer replacement or additional copies of
the Documentation reasonably requested by Customer.

         2.2 TRAINING. SunGard shall provide and Customer shall accept the
Minimum Training described on Schedule C. This shall include basic training in
the use of the System Services for a reasonable number of Customer's employees.
Subject to the availability of SunGard's personnel, SunGard shall provide to
Customer additional training

                                                                    Page 2 of 34
<PAGE>

services reasonably requested by Customer. SunGard shall provide training at
Customer's location(s) whenever SunGard and Customer agree on - site training is
appropriate.

         2.3 INTERFACE. The System is interfaced with the SunGard Financial
Systems Inc.'s Phase 3 application utilized by Customer pursuant to the Remote
Processing Agreement dated December 6, 2000 between Customer and SunGard
Financial Systems Inc. as of the date of this Agreement . EMS shall use
commercially reasonable efforts to update the interface to maintain
compatibility with Phase 3 application utilized by Customer.

3.   SUNGARD'S OTHER OBLIGATIONS

         3.1 ONGOING SUPPORT SERVICES. SunGard shall provide the following
ongoing support services to Customer:

         (a)   SunGard shall provide to Customer, during SunGard's Standard
               Support Hours, telephone assistance regarding Customer's proper
               and authorized use of the System Services, as set forth on
               Schedule D.

         (b)   SunGard shall provide to Customer, during SunGard's Standard
               Support Hours, commercially reasonable efforts in solving
               production problems that arise in connection with Customer's
               proper and authorized use of the System Services or in correcting
               any Errors reported by Customer and in accordance with Schedule
               D. Customer shall provide to SunGard reasonably detailed
               documentation and explanation, together with underlying data, to
               substantiate any Error and to assist SunGard in its efforts to
               diagnose, reproduce and correct the Error. These support services
               shall be provided by SunGard at Customer location(s) if and when
               SunGard and Customer agree that on-site services are necessary to
               diagnose or resolve the problem.

         3.2 MODIFICATIONS. SunGard shall provide to Customer, and Customer
shall accept, the following modifications to System Services:

         (a)   SunGard shall deliver updates to the Documentation whenever
               SunGard determines, in its sole discretion, that such updates are
               necessary.

         (b)   Customer shall accept modifications, revisions and updates in the
               System Services, System and Documentation, including changes in
               programming languages, rules of operation and screen or report
               format, as and when they are implemented by SunGard and provided
               the modifications, revisions or updates do not have a material
               adverse effect on the System Services. Customer acknowledges that
               modifications, revisions and updates in the System Services and
               the System permitted by this Agreement may result in changes in
               the form, timing or other features of on-line

                                                                    Page 3 of 34
<PAGE>

               services and other System Services provided under this Agreement
               without additional charge.

         3.3 ENHANCEMENTS. SunGard shall offer to Customer the opportunity to
purchase services available through use of refinements, improvements and
enhancements to the System which SunGard, in its sole discretion, does not
incorporate into the System without additional charge.

         3.4 CONSULTING AND OTHER SERVICES. At Customer's reasonable request and
subject to the availability of SunGard's personnel, SunGard shall provide to
Customer conversion assistance, consulting services, custom modification
programming, support services relating to custom modifications, assistance with
data transfers, assistance in the use of the System Services security mechanisms
and other specialized support services with respect to the System Services.
These services shall be provided by SunGard at Customer location(s) if SunGard
and Customer agree that on-site services are appropriate.

         3.5 THIRD PARTY DATA AND SERVICES. SunGard shall provide, and Customer
shall accept, the market data and/or other services provided by the Third Party
Providers described on Schedule E ("Third Party Data and Services"), for the
term period(s) set forth on Schedule E.

         3.6 NOTICES AND REPORTING.

             3.6.1   Customer acknowledges that SunGard is required to display
                     certain notices and agreements related to Customer's use of
                     the Third Party Data and Services. To enable SunGard to
                     meet its obligation in this regard, Customer agrees to
                     inform SunGard, in writing, whenever its display of notices
                     or utilization of any information derived from the Third
                     Party Data and Services changes.

             3.6.2   The notices and agreements required to be displayed as of
                     the Product Schedule Date are set forth on Schedule E.
                     Customer shall display all such notices and agreements in
                     the exact manner specified by SunGard or a Third Party
                     Provider in writing or as set forth herein. Customer
                     acknowledges and agrees that the number and content of such
                     notices and agreements, as well as other terms and
                     conditions, may be changed from time to time by the Third
                     Party Providers. Upon written notification by SunGard to
                     Customer, SunGard will update such notices and agreements,
                     and Schedule E shall be deemed to be modified to include
                     such changes. For a thirty (30) day period after receiving
                     such notice from SunGard, Customer may reject such changes
                     and terminate the affected Third Party Data or Service by
                     written notice to SunGard. If such notice is not received
                     by SunGard within such thirty (30) day period, this
                     Agreement shall be modified by such changes, and shall
                     remain in full force and effect.

             3.6.3   Customer acknowledges that the Third Party Providers
require SunGard to report usage and other information related to Customer's and
Third Party Users' use of the Third Party Data and Services. Customer shall
comply with all applicable laws and give and obtain all necessary notice and
consents from any Person, including its employees and the Third Party Users and
their respective employees, if any, regarding the collection,

                                                                    Page 4 of 34
<PAGE>

use and distribution by SunGard of any information or data regarding any Third
Party User and to the use by Customer and the Third Party Users of the Third
Party Data and Services for the purposes set forth herein. The information and
data may include personal and other information about the Customer, its
employees, the Third Party Users and their employees, including their use of the
Third Party Data and Services. SunGard may use this information and data to
carry out its obligations under this Agreement and its obligations under its
agreements with Third Party Providers, including the provision of such
information to the Third Party Providers or for its own internal purposes.

4.   CUSTOMER'S OTHER OBLIGATIONS

         4.1 ACCESS TO FACILITIES AND EMPLOYEES. Customer shall provide to
SunGard reasonable access to the Customer's facilities, equipment and employees,
and shall otherwise cooperate with SunGard, as reasonably necessary for SunGard
to perform its implementation, training, support and other obligations under
this Agreement. Customer shall devote all reasonably necessary equipment,
facilities, personnel and other resources reasonably necessary to (a) implement
the System Services, (b) be trained in the use of the System Services and (c)
begin using the System Services in production on a timely basis as contemplated
by this Agreement.

         4.2 PROCUREMENT OF HARDWARE AND OTHER ITEMS. Customer shall be
responsible, at its expense, for procuring and maintaining the communications
equipment and lines, computer equipment, software and all other out of pocket
expenses required to access the System Services at Customer's site.

         4.3 NOTICES AND CERTIFICATIONS. Customer shall give written notice to
SunGard (in accordance with Section 9.1) whenever Customer intends to increase
the Scope of Use. Customer shall promptly complete and return to SunGard
periodic certifications which SunGard, in its sole discretion, may from time to
time send to Customer, certifying that Customer has complied and is then in
compliance with the provisions of Sections 1 and 7.

         4.4 CERTAIN LEGAL REQUIREMENTS. Customer shall be responsible, at its
expense, for complying with all laws and regulations of any jurisdiction
applicable to use of System Services, including laws and regulations pertaining
to (a) remote use of software and related property, (b) communication or
transmission of data into or out of a jurisdiction or (c) registration of this
Agreement. Customer shall indemnify and hold harmless SunGard (and its
affiliates, and the respective directors, officers, employees and agents of
SunGard and its affiliates) from and against all actions, claims, damages or
liabilities (including reasonable attorneys' fees) arising out of any violation
by Customer of any such laws or regulations.

5.   PAYMENTS

                                                                    Page 5 of 34
<PAGE>

         5.1 INITIAL FEES TRAINING. Customer shall pay to SunGard the initial
implementation and service fees in the amounts stated on Schedule A, in
accordance with the payment terms stated on Schedule A.

         5.2 MONTHLY FEES. On a monthly basis, beginning on the first day of
processing live trades on the System ("Effective Date") and continuing until
termination of this Agreement, Customer shall pay to SunGard the monthly fees
described on Schedule A.

         5.3 SPECIAL SERVICE FEES. Customer shall pay to SunGard the service
fees stated on Schedule C for conversion, consulting services, custom
modification programming, support services relating to custom modifications,
assistance with data transfers, and other specialized support services provided
pursuant to Section 3.4. In each case where service fees are not specified on
Schedule C, then the fees for such services shall be based upon SunGard's
standard professional fee rates. SunGard's standard professional fee rates in
effect on the date of this Agreement are stated on Schedule C and are subject to
increase in the ordinary course of business; provided however, that as they
apply to Customer, SunGard's standard professional fees shall not increase for
twelve (12) months from the date of this Agreement.

         5.4 EXPENSE REIMBURSEMENTS. Customer shall be responsible for all
reasonable and documented out-of-pocket expenses of SunGard required to receive,
deliver or transmit reports or data, and shall reimburse SunGard for all such
expenses incurred by SunGard. Whenever any services are provided by SunGard at a
Customer location or any other location requested by Customer other than one of
SunGard's locations, Customer shall reimburse SunGard for its reasonable travel,
lodging, meal and related expenses incurred by SunGard personnel in providing
such services.

         5.5 OTHER FEES. Intentionally Omitted.

         5.6 TAXES. The fees and other amounts payable by Customer to SunGard
under this Agreement do not include any taxes of any jurisdiction that may be
assessed or imposed upon the services provided under this Agreement or the
copies of the Documentation provided to Customer, including sales, use, excise,
value added, personal property, export, import and withholding taxes, excluding
only taxes based upon SunGard's net income. Customer shall directly pay any such
taxes assessed against it, and Customer shall promptly reimburse SunGard for any
such taxes payable or collectable by SunGard.

         5.7 PAYMENT TERMS. All dollar amounts referred to in this Agreement or
in a Schedule are in United States Dollars. SunGard shall submit invoices to
Customer on a monthly basis in arrears for Monthly Fees. SunGard shall submit
invoices to Customer for any other fees or expense reimbursements as and when
incurred. All invoices shall be sent to Customer's address for invoices stated
on Schedule A. Customer's payments shall be due within thirty (30) days after
receipt of invoice. Interest at the rate of eighteen percent (18%) per annum
(or, if lower, the maximum rate permitted by applicable law) shall accrue on any
amount not paid by Customer to SunGard when due under this Agreement, and shall
be payable by Customer to SunGard on demand. Except as

                                                                    Page 6 of 34
<PAGE>

provided in Sections 6.1 and 6.2(c), all fees and other amounts paid by Customer
under this Agreement are non-refundable.

         5.8 FEES AND CHARGES ADJUSTMENT. Fee Increases. After the first two
years after the date of this Agreement, on an annual basis, by giving at least
one hundred and twenty (120) days advance written notice to Customer (in
accordance with Section 9.1),SunGard may increase the fees listed in the
Schedules to this Agreement (i) in the third year after the date of this
Agreement, by a percentage equal to the greater of ****% or the change in the
Consumer Price Index and (ii) thereafter by a percentage equal to or less than
the change in the Consumer Price Index plus **** (****%) percent (not to exceed
**** (****%) percent in any one year).

         5.9 THIRD PARTY FEES. The fees payable by Customer to SunGard in
accordance with Sections 5.1, 5.2 and 5.3 do not include any applicable
royalties, costs, expenses and/or fees ("Third Party Fees") that may be imposed
by the Third Party Providers for the Third Party Data and Services provided in
accordance with this Agreement. The Third Party Fees for the Third Party Data
and Services as of the date of a Product Schedule are set forth on Schedule E.
Customer shall be solely responsible for, and shall pay, all such Third Party
Fees as and when directed by SunGard or the Third Party Providers. Customer
acknowledges that the Third Party Providers may at any time increase or
otherwise change the Third Party Fees for the Third Party Data and Services. For
a thirty (30) day period after receiving a notice from SunGard of such changes,
Customer may reject such changes and terminate the affected Third Party Data or
Service by written notice to SunGard. If such notice is not received by SunGard
within such thirty (30) day period, this Agreement shall be modified by such
changes, and shall remain in full force and effect.

6.   WARRANTIES AND LIMITATIONS

         6.1 PERFORMANCE. SunGard represents that it will use reasonable care in
in processing all work transmitted to it by Customer and the System Services
will be provided in a good and workmanlike manner consistent with SunGard's
obligation to perform under this Agreement. SunGard shall have no liability
under this Section 6.1 unless, within thirty (30) days after the applicable date
of service, SunGard receives notice from Customer (in accordance with Section
9.1) describing a material processing error in the work caused by SunGard's
failure to use reasonable care in processing all work transmitted to it by
Customer or performing the System Services in a good and workmanlike manner
consistent with SunGard's obligation to perform services under this Agreement,
together with adequate supporting documentation and data. Upon receipt of any
such notice, SunGard's only obligation under this Section 6.1 is to correct the
error and redo the work affected as soon as reasonably practical at no
additional charge, or, at SunGard's option, to refund or credit the charges
applicable to the work affected.

         6.2 INFRINGEMENT. SunGard represents and warrants to Customer that it
has the right to grant to Customer the rights to use the System, the System
Services and Documentation in the manner and for the purpose described herein.
SunGard further represents and warrants that the System, the System Services and
Documentation, in the form delivered to Customer by SunGard and when properly
used for the purpose and in the manner specifically authorized by this
Agreement, do not infringe upon any United States or Canadian patent (registered
as of the date of this Agreement) copyright or any

                                                                    Page 7 of 34
<PAGE>

trade secret or other proprietary right of any person. SunGard shall defend,
indemnify and hold harmless Customer, its officers, directors and employees
against any and all third party claims, liabilities, and obligations to the
extent it is based on an alleged violation of the foregoing warranties in this
Section 6.2. SunGard shall have no liability or obligation under this Section
6.2 unless Customer gives written notice to SunGard (in accordance with Section
9.1) within ten (10) days after Customer receives notice of any applicable
infringement claim (provided that later notice shall relieve SunGard of its
liability and obligations under this Section 6.2 only to the extent that SunGard
is prejudiced by such later and notice). and Customer shall allow SunGard to
have sole control of the defense or settlement of the claim. The remedies
provided in this Section 6.2 are the sole remedy for a breach of the warranties
contained in this Section 6.2. If any applicable infringement claim is
initiated, or in SunGard's sole opinion is likely to be initiated, against
Customer or SunGard, then SunGard shall have the option, at its expense, to:

         (a)   modify or replace all or the infringing part of the System,
               System Services or Documentation so that it is no longer
               infringing, provided that the System Services do not change in
               any material adverse respect; or

         (b)   procure the right to continue using or providing the infringing
               part of the System, System Services or Documentation; or

         (c)   remove all or the infringing part of the System Services, System
               or Documentation, and refund to Customer the corresponding
               portion of any Monthly Fee paid in advance, in which case this
               Agreement shall terminate with respect to the affected System
               Services, System or Documentation.

         6.3 CUSTOMER INFRINGEMENT. Customer warrants to SunGard that Customer
has the full legal right to grant to SunGard the right to use the Customer
Material for inclusion in the System, System Services or the Documentation and
that the Customer Material does not infringe upon any United States patent
registered as of the date of this Agreement, or copyright, or trade secret or
other proprietary right of any Person. Customer warrants to SunGard that
Customer has obtained all necessary assignments or licenses and waivers of moral
rights from its employees and/or contractors, including the right to modify any
applicable work contained in the Customer Material and to associate any
applicable work contained in the Customer Material with any product or service.
Customer shall indemnify and defend SunGard against any third party claim
alleging a breach of the foregoing warranty or an infringement in this Section 6
of a United States patent, or copyright, or trade secret or other proprietary
right of any Person to the extent the infringement claim results from a
modification of the System, System Services or Documentation by Customer (or a
third party permitted by Customer to make such modification).

         6.4 CONDITIONS OF USE. Customer represents and warrants to SunGard, its
Third Party Providers, agents, successors and assigns and their respective
employees (collectively, the "Indemnified Group") that agreements between
Customer and Third Party Users expressly provide, and covenants that all such
agreements will provide, that none of the Indemnified Group have or will have
any liability for any representation, warranty or condition, express or implied,
with respect to any services offered to the Third Party Users ("Customer's
Services"), the data and information provided thereby to the Third Party Users
or for any lost revenues, lost profits, loss of business, or any incidental,

                                                                    Page 8 of 34
<PAGE>

indirect, consequential, special, or punitive damages relating to the Third
Party Users use of the Customer Services. Customer shall indemnify and defend
the Indemnified Group from and against any of the following: any and all claims,
liabilities, and obligations (including reasonable lawyer's fees) by any third
party, including Third Party Users, against the Indemnified Group and arising
out of Customer's or Third Party Users use of the System, the System Services or
the Documentation.

         6.5 CARE OF DATA. SunGard shall use reasonable care in handling tapes
or other materials which encode or contain data belonging to Customer. SunGard's
only obligation for breach of this Section 6.5 shall be to replace or repair the
tape or material lost or damaged and to make reasonable efforts to regenerate
any lost data from backup copies maintained by SunGard or from source data
provided by Customer.

         6.6 APPLICATION OF DATA. SunGard shall have no liability for any loss
or damage resulting from any application of the results obtained from the use of
any services provided under this Agreement or from any unintended or unforeseen
results obtained from the use of any services provided under this Agreement.

         6.7 EXCLUSION FOR UNAUTHORIZED ACTIONS. SunGard shall have no liability
under any provision of this Agreement with respect to any performance problem,
claim of infringement or other matter to the extent attributable to any
unauthorized or improper use or modification of the System, any unauthorized
combination of the System with other software or any breach of this Agreement by
Customer.

         6.8 FORCE MAJEURE. SunGard shall not be liable for, nor shall SunGard
be considered in breach of this Agreement due to, any failure to perform its
obligations under this Agreement as a result of a cause beyond its control,
including any act of God or a public enemy, act of any military, civil or
regulatory authority, change in any law or regulation, fire, flood, earthquake,
storm or other like event, disruption or outage of communications, power or
other utility, external labor problem, unavailability of supplies, or any other
cause, whether similar or dissimilar to any of the foregoing, which could not
have been prevented by SunGard with reasonable care (a "Force Majeure"). If a
Force Majeure continues for more than thirty (30) days, Customer shall have the
right to terminate this agreement upon written notice (as provided in Section
9.1) to SunGard. If SunGard's performance is excused by operation of this
provision, SunGard will provide notice (as provided in Section 9.1) to Customer
and resume the interrupted performance as soon as it is feasible to do so.
Customer acknowledges that availability of System Services is subject to normal
System downtime and that SunGard is not responsible for delays or inability to
access services caused by communications problems.

                                                                    Page 9 of 34
<PAGE>

         6.9 DISCLAIMER AND EXCLUSIONS. EXCEPT AS EXPRESSLY STATED IN THIS
AGREEMENT, NEITHER SUNGARD NOR THE THIRD PARTY PROVIDERS MAKE ANY
REPRESENTATIONS OR WARRANTIES, ORAL OR WRITTEN, EXPRESSED OR IMPLIED, INCLUDING
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE,
REGARDING THE SYSTEM, THE SYSTEM SERVICES, THE THIRD PARTY DATA AND SERVICES OR
ANY OTHER MATTER PERTAINING TO THIS AGREEMENT.

         6.10 EXCEPT FOR A THIRD PARTY CLAIM UNDER SECTION 6.2, A BREACH OF THE
CONFIDENTIALITY PROVISIONS OF THIS AGREEMENT, , OR A BREACH OF CUSTOMER'S
PAYMENT OBLIGATIONS UNDER THIS AGREEMENT :

         (A)   EACH PARTY'S TOTAL LIABILITY UNDER THIS AGREEMENT SHALL NOT UNDER
               ANY CIRCUMSTANCES EXCEED THIRTY-FIVE THOUSAND DOLLARS ($35,000);

         (B)   UNDER NO CIRCUMSTANCES SHALL EITHER PARTY BE LIABLE TO THE OTHER
               PARTY OR ANY OTHER PERSON FOR LOST REVENUES, LOST PROFITS, LOSS
               OF BUSINESS, OR ANY INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY
               NATURE, WHETHER OR NOT FORESEEABLE.

         6.11 UNDER NO CIRCUMSTANCES SHALL SUNGARD OR ANY THIRD PARTY PROVIDERS
BE LIABLE FOR TRUTH, ACCURACY, SEQUENCE, TIMELINESS OR COMPLETENESS OF ANY
INFORMATION (INCLUDING THIRD PARTY DATA AND SERVICES) PROVIDED BY OR PROCESSED
BY THE SYSTEM OR SUCH THIRD PARTY PROVIDERS, FOR ANY INCONVENIENCE CAUSED BY THE
LOSS OF THE THIRD PARTY DATA AND SERVICES OR FOR ERRORS, MISTAKES OR OMISSIONS
THEREIN OR FOR ANY DELAYS OR INTERRUPTIONS IN THE OPERATION OF THE SYSTEM OR THE
THIRD PARTY DATA AND SERVICES FROM WHATEVER CAUSE. UNDER NO CIRCUMSTANCES SHALL
SUNGARD OR ANY THIRD PARTY PROVIDER BE LIABLE TO CUSTOMER OR ANY OTHER PERSON
FOR TRADING LOSSES, LOST REVENUES, LOST PROFITS, LOSS OF BUSINESS, OR ANY OTHER
LOSSES RESULTING FROM CUSTOMER'S USE OF THE SYSTEM OR THE SERVICES PROVIDED
HEREUNDER OR THE THIRD PARTY DATA AND SERVICES, WHETHER SUCH LIABILITY IS
ASSERTED ON THE BASIS OF CONTRACT, TORT, OR OTHERWISE, WHETHER OR NOT
FORESEEABLE, EVEN IF SUNGARD AND/OR SUCH THIRD PARTY PROVIDERS HAVE BEEN ADVISED
OR WERE AWARE OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES, UNLESS ARISING FROM
THE WILLFUL MISCONDUCT OF A PARTY.

                                                                   Page 10 of 34
<PAGE>

         6.12 OTHER LIMITATIONS. The warranties made by SunGard in this
Agreement, and the obligations of SunGard under this Agreement, run only to
Customer and not to its affiliates, its customers or any other persons. Under no
circumstances shall any other person be considered a third party beneficiary of
this Agreement or otherwise entitled to any rights or remedies under this
Agreement. Customer shall have no rights or remedies against SunGard except as
specifically provided in this Agreement. No action or claim of any type relating
to this Agreement may be brought or made by Customer more than one (1) year
after Customer first has knowledge of the basis for the action or claim.

         6.13 THIRD PARTY DATA AND SERVICES - CONDITIONS OF USE.

         (a) Customer hereby acknowledges and agrees that the Third Party Data
and Services provided under this Agreement by SunGard rely on, and require data
and services provided by, the Third Party Providers, that the Third Party Data
and Services contain information obtained, selected and consolidated by the
Third Party Providers under the authority of the Third Party Providers, and that
Customer's use of the Third Party Data and Services is authorized and regulated
by the Third Party Providers.

         (b) The Third Party Data and Services are provided to Customer on an
"as is" basis. None of SunGard nor the Third Party Providers warrants that the
Third Party Data and Services are free from libelous or privacy-invasive
content.

         (c) Customer hereby acknowledges and agrees that the Third Party
Providers may require changes to the content, format and availability of the
Third Party Data and Services and pricing thereof in connection with the Third
Party Providers provision of their respective Third Party Data and Services.
Further, the use of the Third Party Data and Services is subject to terms and
conditions imposed by the Third Party Providers ("Third Party Conditions"),
which may be changed from time to time in the sole discretion of the Third Party
Providers. The Third Party Conditions as of the date of this Agreement are set
forth on Schedule E. Any required changes to content, format, availability,
pricing or other Third Party Conditions shall be made a part of this Agreement
by SunGard's written notice of any such changes to Customer. For a thirty (30)
day period after receiving such notice from SunGard, Customer may reject such
changes and terminate the affected Third Party Data or Service by written notice
to SunGard. If such notice is not received by SunGard within such thirty (30)
day period, this Agreement shall be modified by such changes, and shall remain
in full force and effect.

         (d) Customer further acknowledges that the Third Party Providers may
modify the data they provide, discontinue availability of data they provide,
modify the rules concerning availability and applicable royalty fees of news,
historical data, real-time data, delayed data or any other data they provide,
and/or make modifications in the Third Party Data and Services that are
determined by the Third Party Providers to be necessary to comply with
applicable law and orders and rulings of governmental agencies and
self-regulatory organizations having jurisdiction over the Third Party
Providers, in which case SunGard and the Third Party Providers may not be held
responsible for such modification and discontinuance. Provision of the Third
Party Data and Services by SunGard hereunder does not imply that any of the
Third Party Providers has sponsored or endorsed the System Services.

                                                                   Page 11 of 34
<PAGE>

7.   CONFIDENTIALITY, OWNERSHIP AND RESTRICTIVE COVENANTS

         7.1 CONFIDENTIAL INFORMATION. All business information disclosed by one
party to the other in connection with this Agreement shall be treated as
confidential information unless it is or later becomes publicly available
through no fault of the other party or it was or later is rightfully developed
or obtained by the other party from independent sources free from any duty of
confidentiality. Each party's confidential information shall be held in strict
confidence by the other party, using the same standard of care as it uses to
protect its own confidential information (but in no event less than commercially
reasonable care), and shall not be used or disclosed by the other party for any
purpose except as necessary to implement or perform this Agreement, or except as
required by law provided that the other party is given a reasonable opportunity
to obtain a protective order. Without limiting the generality of the foregoing,
such confidential information shall include Customer Data and the details of
Customer's computer operations. Customer Data shall be and remain the property
of Customer.

         7.2 SUNGARD'S PROPRIETARY ITEMS. Customer acknowledges that the System
and Documentation, the object code and the source code for the System, the name
of the System, the visual expressions, screen formats, report formats and other
design features of the System, all ideas, methods, algorithms, formulae and
concepts used in developing and/or incorporated into the System or
Documentation, all future modifications, revisions, updates, releases,
refinements, improvements and enhancements of the System or Documentation, all
derivative works based upon any of the foregoing, and all copies of the
foregoing (referred to, collectively, as "Proprietary Items") are trade secrets
and proprietary property of SunGard, having great commercial value to SunGard.
Customer acknowledges that the restrictions in this Agreement are reasonable and
necessary to protect SunGard's legitimate business interests.

         7.3 OWNERSHIP RIGHTS.

         (a)   All Proprietary Items provided to Customer under this Agreement
               are being provided on a strictly confidential and limited use
               basis. Title to all Proprietary Items and all related patent,
               copyright, trademark, service mark, trade secret, intellectual
               property and other ownership rights shall remain exclusively with
               SunGard, even with respect to such items that were created by
               SunGard specifically for or on behalf of Customer. This Agreement
               is not an agreement of sale, and no title, patent, copyright,
               trademark, service mark, trade secret, intellectual property or
               other ownership rights to any Proprietary Items are transferred
               to Customer by virtue of this Agreement. All copies of
               Proprietary Items in Customer's possession shall remain the
               exclusive property of SunGard and shall be deemed to be on loan
               to Customer during the term of this Agreement.

         (b)   All Customer Data provided to SunGard under this Agreement is
               being provided on a limited use basis. As between SunGard and
               Customer and except for any third party data Customer Data shall
               be and remain the property of Customer at all times. SunGard

                                                                   Page 12 of 34
<PAGE>

               shall not withhold any Customer Data as a means of resolving any
               dispute. Customer Data shall not be used by SunGard for any
               purpose other than that of rendering the System Services under
               this Agreement. SunGard will not sell, assign, lease or otherwise
               transfer the Customer Data third parties or otherwise
               commercially exploit the Customer Data on behalf of SunGard. All
               copies of Customer's Data in SunGard's possession shall remain
               the exclusive property of Customer and shall be deemed to be on
               loan to SunGard during the term of this Agreement.

7.4  DISCLOSURE RESTRICTIONS.

         (a)   All Proprietary Items in Customer's possession, whether or not
               authorized, shall be held in strict confidence by Customer, and
               Customer shall take all steps reasonably necessary to preserve
               the confidentiality thereof. Customer shall not, directly or
               indirectly, communicate, publish, display, loan, give or
               otherwise disclose any Proprietary Item to any person, or permit
               any person to have access to or possession of any Proprietary
               Item. Customer shall limit its use of and access to Proprietary
               Items to only those of its employees whose responsibilities
               require such use or access. Customer shall advise all such
               employees, before they receive access to or possession of any
               Proprietary Items, of the confidential nature of the Proprietary
               Items and require them to abide by the terms of this Agreement.
               Customer shall be liable for any breach of this Agreement by any
               of its employees or any other person who obtains access to or
               possession of any Proprietary Item from or through Customer.

         (b)   All Customer Data in SunGard's possession, whether or not
               authorized, shall be held in strict confidence by SunGard, and
               SunGard shall take all steps reasonably necessary to preserve the
               confidentiality thereof. SunGard shall not, directly or
               indirectly, communicate, publish, display, loan, give or
               otherwise disclose any Customer Data to any person, or permit any
               person to have access to or possession of any Customer Data.
               SunGard shall limit its use of and access to Customer Data to
               only those of its employees whose responsibilities require such
               use or access. SunGard shall advise all such employees, before
               they receive access to or possession of any Customer Data, of the
               confidential nature of the Customer Data and require them to
               abide by the terms of this Agreement. SunGard shall be liable for
               any breach of this Agreement by any of its employees or any other
               person who obtains access to or possession of any Customer Data
               from or through SunGard. The provisions in this Section 7.4(b)
               shall only apply (i) to Customer Data unless it is or later
               becomes publicly available through no fault of SunGard or it was
               or later is rightfully developed or obtained by SunGard from
               independent sources free from any duty of confidentiality; and
               (ii) except as necessary to implement or perform this Agreement,
               or except as

                                                                   Page 13 of 34
<PAGE>

               required by law provided that Customer is given a reasonable
               opportunity to obtain a protective order.

         7.5 USE RESTRICTIONS. Customer shall not do, nor shall it permit any
other person to do, any of the following:

         (a)   use any Proprietary Item for any purpose, at any location or in
               any manner not specifically authorized by this Agreement; or

         (b)   make or retain any copy of any Proprietary Item except as
               specifically authorized by this Agreement; or

         (c)   create or recreate the source code for the System, or
               re-engineer, reverse engineer, decompile or disassemble the
               System; or

         (d)   modify, adapt, translate or create derivative works based upon
               the System or Documentation, or combine or merge any part of the
               System or Documentation with or into any other software or
               documentation; or

         (e)   refer to or otherwise use any Proprietary Item as part of any
               effort to develop a program having any functional attributes,
               visual expressions or other features similar to those of the
               System or to compete with SunGard; or

         (f)   remove, erase or tamper with any copyright or other proprietary
               notice printed or stamped on, affixed to, or encoded or recorded
               in any Proprietary Item, or fail to preserve all copyright and
               other proprietary notices in any copy of any Proprietary Item
               made by Customer; or

         (g)   sell, market, license, sublicense, distribute or otherwise grant
               to any person, including any outsourcer, vendor, consultant or
               partner, any right to use any Proprietary Item, whether on
               Customer's behalf or otherwise; or

         (h)   use the System to conduct any type of service bureau or
               timesharing operation or to provide remote processing, network
               processing, network communications or similar services to any
               person, whether on a fee basis or otherwise; or

         (i)   attempt to do any of the foregoing.

         7.6 NOTICE AND REMEDY OF BREACHES. Each party shall promptly give
written notice to the other (in accordance with Section 9.1) of any actual or
suspected breach by it of any of the provisions of this Section 7, whether or
not intentional, and the breaching party shall, at its expense, take all steps
reasonably requested by the other party to prevent or remedy the breach.

                                                                   Page 14 of 34
<PAGE>

         7.7 AUDIT. SunGard may, at its expense and by giving reasonable advance
written notice to Customer (in accordance with Section 9.1), enter Customer
locations during normal business hours and audit the number of copies of the
Documentation in Customer's possession and information pertaining to Customer's
compliance with the provisions of this Section 7. If SunGard discovers that
Customer is not in compliance with the provisions of this Section 7 in any
material respect, then Customer shall reimburse SunGard for the expenses
incurred by SunGard in conducting the audit.

         7.8 ENFORCEMENT. Each party acknowledges that any breach of any of the
provisions of this Section shall result in irreparable injury to the other party
for which money damages could not adequately compensate. If there is a breach,
then each party shall be entitled, in addition to all other rights and remedies
which such party may have at law or in equity, to have a decree of specific
performance or an injunction issued by any competent court, requiring the breach
to be cured or enjoining all persons involved from continuing the breach. The
existence of any claim or cause of action which each party or any other person
may have against the other party shall not constitute a defense or bar to the
enforcement of any of the provisions of this Section 7.

8.   TERMINATION

         8.1 INITIAL TERM; RENEWAL. The term of this Agreement begins on the
Effective Date stated on the first page of this Agreement and shall be
coterminous with the Remote Processing Agreement between Customer and SunGard's
affiliate, SunGard Financial Systems Inc. and dated December 6, 2000, unless and
until terminated in accordance with this Section 8 or any other section of this
Agreement. SunGard or Customer may terminate this Agreement effective as of the
end of the Initial Term or the end of any one -year renewal term by giving at
least ninety (90) days advance written notice of termination (in accordance with
Section 9.1) to the other.

         8.2 TERMINATION BY CUSTOMER. Customer may immediately terminate this
Agreement immediately upon notice to SunGard (in accordance with Section 9.1)
upon the occurrence of any of the following events:

         (a)   SunGard breaches, in any material respect, any of the provisions
               of Section 7 or Section 9.3.

         (a)   SunGard breaches any of its other obligations under this
               Agreement and does not cure the breach within thirty (30) days
               after Customer gives written notice to SunGard (in accordance
               with Section 9.1) describing the breach in reasonable detail.

         (b)   Bankruptcy, insolvency, dissolution or liquidation proceedings of
               any nature are instituted by or against SunGard or SunGard
               discontinues all or a significant part of its business
               operations.

                                                                   Page 15 of 34
<PAGE>

         8.3  TERMINATION BY SUNGARD. SunGard may immediately terminate this
Agreement, by giving written notice of termination to Customer (in accordance
with Section 9.1), upon the occurrence of any of the following events:

         (a)   Customer fails to pay to SunGard, within ten (10) days after
               SunGard makes written demand therefor, any past-due amount
               payable under this Agreement including interest thereon that is
               not the subject of a good faith dispute as to which Customer has
               given written notice to SunGard (in accordance with Section 9.1)
               explaining its position in reasonable detail.

         (b)   Customer breaches, in any material respect, any of the provisions
               of Section 7 or Section 9.3.

         (c)   Customer breaches any of its other obligations under this
               Agreement and does not cure the breach within thirty (30) days
               after SunGard gives written notice to Customer (in accordance
               with Section 9.1) describing the breach in reasonable detail.

         (d)   Bankruptcy, insolvency, dissolution or liquidation proceedings of
               any nature are instituted by or against Customer or Customer
               discontinues all or a significant part of its business
               operations.

         8.4 SUSPENSION OF SERVICES. On the occurrence of any event which would
permit SunGard to terminate this Agreement under Section 8.3, in addition to all
other rights and remedies which SunGard may have at law or in equity, SunGard
may, without terminating this Agreement, and in its sole discretion by providing
a valid Suspension Notice (as defined below) to Customer and provided that
Customer has not cured the breach prior to the suspension effective date in the
Suspension Notice, suspend performance of any or all of its services under this
Agreement and/or activate internal controls in the System that are designed to
deny Customer access to the System Services and files, until and unless SunGard
determines, in its sole discretion and upon whatever reasonable conditions
SunGard chooses to impose on Customer, to resume performance of some or all of
the suspended services or allow Customer access to the System Services and
files. A Suspension Notice (i) will be delivered in accordance with Section 9.1
with an additional copy to Customer's General Counsel at the same address, (ii)
will include a description of the breach that is the basis for the suspension,
(iii) will include a suspension effective date, which may not be less than
thirty (30) days from the date of the Suspension Notice and (iv) will state that
the suspension will occur unless Customer cures the breach prior to the
suspension effective date.

         8.5 EFFECT OF TERMINATION. Upon a termination of this Agreement,
whether under this Section 8 or otherwise, Customer shall immediately cease all
use of the System Services, Documentation and other Proprietary Items, Customer
shall promptly return to SunGard all copies of the Documentation and any other
Proprietary Items then in Customer's possession. Customer shall remain liable
for all payments due to SunGard through the date of termination. Within thirty
(30) days after termination of this Agreement, Customer shall give notice to
SunGard (in accordance with Section 9.1) containing reasonable instructions
regarding the disposition of tapes, data, files and other

                                                                   Page 16 of 34
<PAGE>

property belonging to Customer (including Confidential Information) and then in
SunGard's possession. SunGard shall comply with that notice, except that SunGard
may retain all such property until SunGard receives all payments due to SunGard
under this Agreement. Upon request contained in such notice, SunGard shall
convert Customer's data to machine readable form to the extent practicable and
at Customer's expense. If Customer fails to give that notice within thirty (30)
days after termination of this Agreement, shall send such property to Customer
at the Address listed on Schedule A. The provisions of Sections 5, 6, 7 and 9
shall survive any termination of this Agreement, whether under this Section 8 or
otherwise.

9.   OTHER PROVISIONS

         9.1 NOTICE. All notices, consents and other communications under or
regarding this Agreement shall be in writing and shall be deemed to have been
received on the earlier of the date of actual receipt, the third business day
after being mailed by first class certified air mail, or the first business day
after being sent by a reputable overnight delivery service. Any notice may be
given by facsimile, provided that signed written original is sent by one of the
foregoing methods within twenty-four (24) hours thereafter. Customer's address
for notices is stated on Schedule A. SunGard's address for notices is 4200 St.
Laurent Boulevard, Suite 1100, Montreal, Quebec, Canada, Attention: President.
Either party may change its address for notices by giving written notice of the
new address to the other party in accordance with this Section 9.1.

         9.2 DEFINED TERMS. As used in this Agreement, the following terms have
the following meanings:

         (a)   "affiliate" means, with respect to a specified person, any person
               which directly or indirectly controls, is controlled by, or is
               under common control with the specified person as of the date of
               this Agreement, for as long as such relationship remains in
               effect.

         (b)   "copy" means any paper, disk, tape, film, memory device, or other
               material or object on or in which any words, object code, source
               code or other symbols are written, recorded or encoded, whether
               permanent or transitory.

         (c)   "Customer Material" means the data, designs, plans,
               specifications, invitations, improvements, works or other
               materials provided by or on behalf of Customer for inclusion in
               the System, System Services or Documentation.

         (d)   "Errors" means failures of the System to perform in accordance
               with the Documentation.

         (e)   "Exchanges" means the various agencies, including The Toronto
               Stock Exchange, the Montreal Exchange, the Vancouver Stock
               Exchange, the New York Stock Exchange, American Stock Exchange,
               Pacific Stock Exchange, Midwest Stock Exchange,

                                                                   Page 17 of 34
<PAGE>

               NASDAQ, the Consolidated Tape Association and the Option Price
               Reporting Authority Delayed, and others as applicable.

         (f)   "including" means including but not limited to.

         (a)   "person" means any individual, sole proprietorship, joint
               venture, partnership, corporation, company, firm, bank,
               association, cooperative, trust, estate, government, governmental
               agency, regulatory authority, or other entity of any nature.

         (h)   "Third Party Providers" means the Exchanges and any other third
               party which provides services or data to SunGard, including its
               data feed providers.

         9.3 PARTIES IN INTEREST. This Agreement shall bind, benefit and be
enforceable by and against SunGard and Customer and, to the extent permitted
hereby, their respective successors and assigns. Neither party shall assign this
Agreement or any of its rights hereunder (whether by operation of law or
otherwise), nor delegate any of its obligations hereunder, without the other
party's prior written consent. Consent shall not be unreasonably withheld in the
case of an assignment to a purchaser of or a successor to substantially all of
the other party's business, or to an affiliate of the other party, provided that
the party entitled to give such consent receives prior notice (in accordance
with Section 9.1) of the assignment and the successor agrees in writing to be
bound by the terms of this Agreement. Any change in control of Customer, and any
assignment by merger or otherwise by operation of law, shall constitute an
assignment of this Agreement by Customer for purposes of this Section 9.3.

         9.4 RELATIONSHIP. The relationship between the parties created by this
Agreement is that of independent contractors and not partners, joint venturers
or agents.

         9.5 EMPLOYEES. Except where the other party expressly authorizes in
writing in advance, neither party shall, directly or indirectly (through one or
more subsidiaries or other controlled entities), hire or offer to hire any
programmer or data processing employee or contractor of the other party at any
time when such person is employed or engaged by the other party or during the
six (6) months after such employment or engagement ends. For purposes of this
provision, "hire" means to employ as an employee or to engage as an independent
contractor, whether on a full-time, part-time or temporary basis. This provision
will remain in effect during the term of this Agreement and for a period of one
(1) year after expiration or termination of this Agreement.

         9.6 ENTIRE UNDERSTANDING. This Agreement, which includes and
incorporates the Schedules referred to herein, states the entire understanding
between the parties with respect to its subject matter, and supersedes all prior
proposals, marketing materials, negotiations and other written or oral
communications between the parties with respect to the subject matter of this
Agreement. Any written, printed or other materials which SunGard provides to
Customer that are not included in the Documentation are provided on an "as is"
basis, without warranty, and solely as an accommodation to Customer.

                                                                   Page 18 of 34
<PAGE>

         9.7 MODIFICATION AND WAIVER. No modification of this Agreement, and no
waiver of any breach of this Agreement, shall be effective unless in writing and
signed by an authorized representative of the party against whom enforcement is
sought. No waiver of any breach of this Agreement, and no course of dealing
between the parties, shall be construed as a waiver of any subsequent breach of
this Agreement.

         9.8 SEVERABILITY. A determination that any provision of this Agreement
is invalid or unenforceable shall not affect the other provisions of this
Agreement.

         9.9 HEADINGS. Section headings are for convenience of reference only
and shall not affect the interpretation of this Agreement.

         9.10 JURISDICTION AND PROCESS. In any action relating to this
Agreement, (a) each of the parties irrevocably consents to the exclusive
jurisdiction and venue of the federal and state courts located in the State of
New York, (b) each of the parties irrevocably waives the right to trial by jury,
(c) each of the parties irrevocably consents to service of process by first
class certified mail, return receipt requested, postage prepaid, to the address
at which the party is to receive notice in accordance with Section 9.1, and (d)
the prevailing party shall be entitled to recover its reasonable and documented
attorney's fees (including, if applicable, charges for in-house counsel), court
costs and other legal expenses from the other party.

         9.11 Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED
AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK EXCLUDING
CHOICE OF LAW.

         9.12 Language. The parties declare that they have requested that this
Agreement and all documents relating thereto be drawn up in the English
language; Les parties declarent par les presentes qu'elles exigent que cette
entente et tous les documents soient redigees dans la langue anglaise.

                                                                   Page 19 of 34
<PAGE>

                                   SCHEDULE A
                         TO REMOTE PROCESSING AGREEMENT

                               DATED JUNE 5, 2001

                 SYSTEM, SYSTEM SERVICES AND RELATED INFORMATION

SYSTEM:

     WEBSERV (including Feature Sets described in Phase 1 below)

     WebServ provides the connection between CBNY Investment Services Corp.'s
clients and CBNY Investment Services Corp. on the WorldWideWeb. WebServ has been
built utilizing WebTemplate technology that SunGard EMS has created called
BrokerWare Markup Language (BML). This allows the graphical designer to easily
join the functional components of the Web Site (for example account inquiry and
stock baskets) to the graphical elements of the site. The site design can either
be guided, where SunGard EMS works with CBNY Investment Services Corp. to design
completion, or the site can have the design provided outright by CBNY Investment
Services Corp.

     BACKGATE (including Feature Sets described in Phase 1 below)

     BackGate is a gateway that receives messages inbound from Web and any other
client Access Server, and submits the transaction to the back office or to the
Mid Office Solution through the best means defined by Phase 3.

     PROFILESERV (including Feature Sets described in Phase 1 below)

     The ProfileServ interface handles the management of user profiles. With an
inherent language switch, it facilitates the multi language capabilities that
sites often require now. ProfileServ's modular options facilitate a number of
requirements. Profile Billing modules provide CBNY Investment Services Corp with
a completely customizable (by SunGard EMS with direction from CBNY Investment
Services Corp) plan for clients. This module allows Customer to control what is
charged to the client, what value it has in relation to trades, as well as what
is absorbed by CBNY Investment Services Corp .

     MID-OFFICE SERVER

     The BrokerWare Mid Office Server complements BackGate and will act as a
front-end access server to a back office. On one side, the Mid Office Server
will connect to BackGate and on the other side with the Phase3 back office. Mid
Office Server's Oracle databases will be updated in real-time from Phase3's
replication system. Mid Office Server allows for a fast response time for
account inquiries, extended abilities for order editing, and review and release
capabilities for orders. Queries coming from the BackGate will be answered by
accessing the Mid Office Server's real-time replicated databases. Orders will be
acted upon with edit checks and business rules in the Mid Office Server and
routed appropriately.

                                                                   Page 20 of 34
<PAGE>

PHASE 1:

FEATURE SETS:

SunGard will provide the following software requirements:

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
<S>                                        <C>
WEB FEATURES
------------------------------------------------------------------------------------------------------------------------------------
Logon                                       Access control feature that provides security on the site
------------------------------------------------------------------------------------------------------------------------------------
Multiple Trading Account Access             Allows the client to interactively change his login.

                                            A user can have one main account and, within that account, have several trading
                                            accounts, all of which are protected with different trading passwords. The trading
                                            accounts are called SunGard BrokerWare accounts because they are housed in the SunGard
                                            Brokerware Servers. For example, it is possible to have an entire family (with each
                                            member holding several accounts) under one main account. The user can select the
                                            appropriate account (usually listed in a pull down menu) from the web interface to
                                            automatically pull up the account he/she wishes to display and/or work in.

                                            The main account and the trading accounts are protected by different passwords. The main
                                            account password is prompted on login; the trading passwords are prompted in the
                                            verification screen of an order. (Maximum of 10 accounts)

                                            Registered Reps will each have a password to log into the site which will enable each
                                            Registered Rep to have access to all of such Registered Reps' client accounts by
                                            entering in the client's account number.
------------------------------------------------------------------------------------------------------------------------------------
Change Password                             Allows the user to maintain multiple trading profiles under one main account. A user can
                                            then have one main account and, within that account, have several trading accounts, all
                                            of which are protected with different trading passwords.
------------------------------------------------------------------------------------------------------------------------------------
Customized Home Page                        Allows the users to customize their home page and display only the information that they
                                            desire.
------------------------------------------------------------------------------------------------------------------------------------
View Billing                                The reward points system that allows users use market data services according to a
                                            volume of points that is allotted.
------------------------------------------------------------------------------------------------------------------------------------
Account Summary                             Provides the client with a view of holdings based on the breakdowns within a given
                                            account.
------------------------------------------------------------------------------------------------------------------------------------
List Orders                                 User's current pending orders, page includes the transaction's action type (buy/sell),
                                            quantity, company description, symbol, price, status and order ID. From this page the
                                            user can cancel an order, modify it or view its specifics in more detail.
------------------------------------------------------------------------------------------------------------------------------------
Order Details                               Details the status and terms of pending orders.
------------------------------------------------------------------------------------------------------------------------------------
Positions                                   Provides a picture to the client of what holdings are currently present within the
                                            brokerage firm.
------------------------------------------------------------------------------------------------------------------------------------
Transaction History                         Provides a list of transactions that have occurred in the back office for the selected
                                            account.
------------------------------------------------------------------------------------------------------------------------------------
Client Management                           Stand-alone module interface for brokerage firm representatives to manage their client
                                            accounts, authorizations, activity and entitlements. Functions include account creation,
                                            demographic
------------------------------------------------------------------------------------------------------------------------------------

                                                                   Page 21 of 34
<PAGE>

------------------------------------------------------------------------------------------------------------------------------------
                                            data, and entitlement settings
------------------------------------------------------------------------------------------------------------------------------------
Daily Message                               Allows a brokerage firm to post a message on their website, to be viewed by all the
                                            users.
------------------------------------------------------------------------------------------------------------------------------------
Note Banners                                Notes allow the broker to send unsolicited messages to a subset of users or to an
                                            individual customer.

                                            The Note feature is not dynamic. A note cannot be uploaded to a screen that the client
                                            it currently viewing. It is uploaded with the next screen. The note is usually displayed
                                            until acknowledged, which clears the screen and stores it in an archive section.
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

--------------------------------------------
Configuration & Set-up
--------------------------------------------
Profile Billing Configuration
--------------------------------------------
BackGate set-up
--------------------------------------------

INITIAL FEES:

Upfront for Feature Sets, Configuration & Set-up
and Standard Web Design with Classic Customization:  $****

Classic Customization includes update of Standard Web Design for Customer's
  logos, colors, re-sizing of frames, changing of page titles and certain page
  elements, insertion of background graphics within pages or tables,
  customization of chart graphics and a customized set of buttons.

Adaptation Fees: Customized Web Design and Template Integration: Time &
                 Materials
Total Initial Fees:  $**** plus any Adaptation Fees

The Initial Fees are payable as follows: (i) 40% upon the execution of this
  Agreement, (ii) 40% on the live date of the System and (iii) 20% 30 days
  following the live date of the System.

SUNGARD MONTHLY FEES:
--------------------------------------------------------------------------------
Monthly Service Bureau                                                Per month
--------------------------------------------------------------------------------
Cost Per Client Per Month
--------------------------------------------------------------------------------
Up to 2,000 users & 5 Registered Reps (except                         ****/month
provided that Customer may have up to 25 reps
before the number of users reaches 2,000)
--------------------------------------------------------------------------------
Additional users over 2,000                              **** per user per month
--------------------------------------------------------------------------------
Additional Registered Reps( over 5 Reps after            $**** per Rep per month
users reach 2,000 or 25 reps before number of
users reaches 2000)
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
Passthru Items
--------------------------------------------------------------------------------
Communication to Phase3 and Phase3's costs                         As per Phase3
including replication to Mid Office Server
addressed by Customer
--------------------------------------------------------------------------------
Royalties from Exchanges.                                       As per Exchanges
SunGard EMS Reports to Exchanges
--------------------------------------------------------------------------------
Telco                                                               As per Telco
--------------------------------------------------------------------------------

                                                                   Page 22 of 34
<PAGE>

          Minimum Monthly Fee:  $****/month
          Increase limitation:  not to exceed ****% after the 2nd year as
                                prescribed in Section 5.8 herein

OTHER SERVICE FEES:

--------------------------------------------------------------------------------
Services                                                                     $US
--------------------------------------------------------------------------------
WEB BANDWIDTH
--------------------------------------------------------------------------------
Page Views per view                                                        ****
--------------------------------------------------------------------------------
ADMIN ACCESS FOR CLIENT REMOTE MGT.
--------------------------------------------------------------------------------
     Two administrator HTML access accounts                            Included
--------------------------------------------------------------------------------
     Allows the following functionality:
--------------------------------------------------------------------------------
         Account creation, modification,
--------------------------------------------------------------------------------
         Entitlement management, user reports
--------------------------------------------------------------------------------
         HTML hits review
--------------------------------------------------------------------------------
         Order log access
--------------------------------------------------------------------------------
     Additional HTML access accounts                                 ****/month
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
 Standard Support                                                      Included
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

CUSTOMER DATA:

     Customer shall supply the account information for the Third Party Users
     which is required to maintain the end user accounts that are stored within
     the System.

PHASE 2 OPTION: Customer shall have the option ("Option"), exercisable at any
time during the six month period commencing on the live date of the System (the
"Option Period"), to add the feature sets described below, at the prices set
forth below ("Phase 2 Option Prices"). Provided, however, that if Customer shall
not have exercised the Option prior to the termination of the Option Period, the
Option shall expire and be of no further force or effect.

PHASE 2 FEATURE SETS:

--------------------------------------------------------------------------------
WEB FEATURES
--------------------------------------------------------------------------------
Change Trading Password              Allows the client to interactively change
                                     his trading passwords
--------------------------------------------------------------------------------
Quotes                               Allows the client to access quotes on
                                     stocks, mutual funds, indices and
                                     currencies.
--------------------------------------------------------------------------------
Time & Sales Quotes                  This option monitors ongoing trades on
                                     specific issues. Information is displayed
                                     in a table and identifies the seller/buyer,
                                     and the volume, price and time of the
                                     traded securities.
--------------------------------------------------------------------------------
Fundamental Quote                    Provides core financial information on all
                                     financial products for which
--------------------------------------------------------------------------------

                                                                   Page 23 of 34
<PAGE>

--------------------------------------------------------------------------------
                                     fundamental information is offered. The
                                     available fields are numerous but are
                                     exchange dependant (Earnings Per Share, PE
                                     Ratio, 52 Weeks High and Low, Last Split
                                     Date, Dividend Frequency)
--------------------------------------------------------------------------------
Option Chains                        Allows users to receive the list of
                                     outstanding option and leap quotes for a
                                     given symbol. Data can be sorted by expiry
                                     month or strike price.
--------------------------------------------------------------------------------
Advanced Charting                    Allows the client access to three
                                     categories of charts: Historical, Intraday,
                                     Comparative. Also allows the user to define
                                     up to three moving averages to overlay on
                                     historical charts. The user can also
                                     display a graph with different technical
                                     indicators such as Bollinger Band, MACD,
                                     and Stochastic... Calculation parameters
                                     can be customized as well.
--------------------------------------------------------------------------------
News                                 Allows the client to filter and access news
                                     items in several different ways: as they
                                     come in, on all symbols, from all
                                     newswires; related to a ticker symbol, from
                                     a specified newswire, and regularly
                                     released news (such as market summaries).
--------------------------------------------------------------------------------
Baskets                              Baskets provide each user with lists of
                                     symbols so that they do not have to always
                                     retype the symbols to receive market data.
--------------------------------------------------------------------------------
Research                             Allows the brokerage firm to publish
                                     research from third-party providers as well
                                     as their own research, created in-house and
                                     published with the use of Publisher
--------------------------------------------------------------------------------
Top 100                              WebTop100 allows the user to request the
                                     standard Top 100 performers by market
--------------------------------------------------------------------------------
Symbol Search                        Symbol search engine for stocks, options,
                                     mutual funds, and indices that retrieves
                                     ticker symbols by their company's name.
--------------------------------------------------------------------------------
Alarm Set                            Allows user-customized alerts to be sent to
                                     e-mail address. Alerts can trigger when a
                                     security reaches a certain price, bid, ask,
                                     volume, when
--------------------------------------------------------------------------------

                                                                   Page 24 of 34
<PAGE>

--------------------------------------------------------------------------------
                                     news is released or when a transaction has
                                     been confirmed as filled.
--------------------------------------------------------------------------------
Research Publisher                   Window's application that allows for easy
                                     and instantaneous publishing of research
                                     reports to a brokerage's web site
--------------------------------------------------------------------------------
Context Sensitive Help               Interactive help section that allows users
                                     to obtain information on how to use the
                                     trading site7
--------------------------------------------------------------------------------
Trade Equity                         Enables Equity trading for retail clients.
--------------------------------------------------------------------------------
Trade Option                         Enables Option trading for retail clients
--------------------------------------------------------------------------------
Trade Mutual Fund                    Enables Mutual Funds trading for retail
                                     clients.
--------------------------------------------------------------------------------

                                                                   Page 25 of 34

<PAGE>

PHASE 2 OPTION PRICES:

--------------------------------------------------------------------------------
ASP Solutions - Phase2                                                   %US
--------------------------------------------------------------------------------
Upfront Set up costs                                                        ****
--------------------------------------------------------------------------------
Cost per Client on Mid Office Server                                        ****
--------------------------------------------------------------------------------
Cost per Review & Release terminal                                    ****/month
--------------------------------------------------------------------------------
Mid office Server Standard Edits                                        Included
--------------------------------------------------------------------------------
Customized Edits                                                Time & Materials
--------------------------------------------------------------------------------
Passthru Items
--------------------------------------------------------------------------------
Communication to Phase3 and Phase3's costs including               As per Phase3
replication to Mid Office Server addressed by CBNY
--------------------------------------------------------------------------------
Royalties from Exchanges.  SunGard EMS Reports to Exchanges     As per Exchanges
--------------------------------------------------------------------------------

                                                                   Page 26 of 34
<PAGE>

                                   SCHEDULE B
                         TO REMOTE PROCESSING AGREEMENT
                               DATED JUNE 5, 2001

                              CUSTOMER INFORMATION

INITIAL TERM: Coterminous with the Remote Processing Agreement between Customer
   and SunGard's affiliate, SunGard Financial Systems Inc. dated December
   6, 2000.

NUMBER OF URLS:   1

OTHERVOLUME LIMITS: WebServ, ProfileServ, and BackGate: Customer shall provide
   SunGard with reasonable and adequate prior written notice of any proposed
   increases in the volumes described below in order for SunGard and Customer to
   mutually agree to and implement appropriate growth planning. Provided
   Customer shall provide SunGard such notice in accordance with Section 9.1 and
   SunGard and Customer agree on implementation, acting reasonably, the volume
   is limited to the estimated growth rate in conjunction with the appropriate
   defined user profiles. The notice specified by this section shall be required
   only (i) after Customer reaches 2,000 Third Party Users and (ii) if Customer
   intends to increase its number of users, including registered reps and Third
   Party Users, by 10% or more in any quarter.

OTHER ACCESS LIMITATIONS: The System is limited to one URL.

ADDRESS FOR INVOICES:

     Donald J. Linton
     First Vice President
     320 Park Avenue - 21st Floor
     New York, New York  10022
     Phone (212) 409-3890

ADDRESS FOR NOTICES:

     Jose A. Paulucci
     President
     320 Park Avenue - 21st Floor
     New York, New York  10022
     Phone (212) 409-3890

With a copy to Patricia Cappeto at the same address.

                                                                   Page 27 of 34
<PAGE>

                                   SCHEDULE C
                         TO REMOTE PROCESSING AGREEMENT

                               DATED JUNE 5, 2001

                             CERTAIN BUSINESS TERMS

SCHEDULED IMPLEMENTATION DATE:

DESCRIPTION
OF IMPLEMENTATION SERVICES:

           o  SunGard will install and set up hardware on SunGard premises.

     In addition, the following will also be performed by SunGard, by no later
     than the above scheduled implementation date:

           o  Business order rules establishment per Customer requirements
           o  Provision of ProfileServ initial content billing strategy

PROFESSIONAL SERVICES FEES:

STANDARD              a maximum of $**** per day
PROFESSIONAL FEE      $ **** per hour for variable support from
RATES IN EFFECT ON    SunGard's premises
SCHEDULE              $ **** per hour for variable support at Customer's site
DATE

OTHER FEES: None

                                                                   Page 28 of 34
<PAGE>

                                   SCHEDULE D
                         TO REMOTE PROCESSING AGREEMENT
                               DATED JUNE 5, 2001

                                  SUPPORT TERMS

1.   Customer's Support Plan: (Check applicable box):

[X] Standard Support:  8:00 a.m. - 18:00 p.m. Eastern Time
                       (Monday - Friday)

Extended Support: 24 hours/day, 5 days per week (from 00:01 hours Monday to
                                                24:00 hours Friday)

Full Support:  24 hours/day, 7 days per week

The  Support Plans consist of support for errors in production that are
     material, not cosmetic and restrict service to Third Party Users.

2.   Notification of Errors. The telephone number for SunGard's support desk is
     (514) 982-6687, extension 226. Customer should call the support desk in
     order to report an Error. When reporting any Error, Customer shall provide
     reasonably detailed documentation and explanation, together with underlying
     data, to substantiate the Error and to assist SunGard in its efforts to
     diagnose and correct the Error. SunGard will provide Customer with
     notification of any changes to the support desk contact number or any other
     support contacts.

3.   Response Time: SunGard shall perform support services on an on-call basis.
     Except for delays arising out of causes beyond the control of and without
     the fault or negligence of SunGard, SunGard's maintenance personnel shall
     normally respond to the call within thirty (30) minutes and for Errors that
     render continued use of the System either impossible or seriously
     impractical and either interrupts production by Customer or makes continued
     production substantially costly to Customer, SunGard will promptly commence
     efforts to diagnose and remedy the error or provide a workaround. For all
     other Errors, SunGard shall work with Customer to document the Error
     through mutually established standards and such Errors shall be resolved
     according to mutually agreed priorities.

4.   Scheduled Maintenance Periods: SunGard reserves the right to use the
     scheduled maintenance periods set forth below to carry out its support
     obligations and to carry out whatever preventive maintenance it judges
     reasonably necessary to better fulfill such obligations in the future.
     Customer agrees that the execution of this provision may periodically cause
     brief service restriction to Customer's customers during such periods, and
     shall be an excuse to performance under the Agreement.

Scheduled Maintenance Periods are as follows:

Weekdays (except Holidays):                 6:30 to 8:00 a.m. Eastern Time
Saturdays:                                  9:00 to 11:30 a.m. Eastern Time

                                                                   Page 29 of 34
<PAGE>

Holidays are Saturday, Sunday, or any days that the Canadian and United States
     securities markets are closed. SunGard may change the Scheduled Maintenance
     Periods upon thirty days prior notice to Customer.

5.   Exclusions: Customer's Support Plan does not include: (i) Customer change
     requests; (ii) any additions or modifications to hardware; (iii) any
     upgrades to/failures of operating systems or other third party software;
     (iv) services which would be impractical for SunGard engineers to render
     because of alterations to equipment or software made by or on behalf of
     Customer; (v) Customer training; (vi) system/password/script changes; (vii)
     items covered by variable support; (viii) installation of Releases; and
     (ix) any other services specifically excluded in this Agreement.

6.   Variable Support Charges: Variable support charges apply for support which
     consists of support for Errors which are material, not cosmetic and which
     restrict service to Customer's customers outside of Customer's select
     Support Plan hours and also to respond to questions or assistance in
     resolving problems caused by Customer or a third party outside SunGard
     office hours. Variable support will be provided at the then applicable
     Professional Fee Rate set forth in this Schedule C subject to a minimum
     unit of four hours and thereafter in incremental units of 30 minutes.

                                                                   Page 30 of 34
<PAGE>

                                   SCHEDULE E
                         TO REMOTE PROCESSING AGREEMENT
                               DATED JUNE 5, 2001

                       THIRD PARTY DATA AND SERVICES TERMS

Customer is not requiring any Third Party Data or Services at this time. When it
     acquires such Third Party Data or Services, the following provisions shall
     apply.

1.   Term Periods of Third Party Data and Services. Unless otherwise specified
     in this Schedule E, the term period of each Third Party Data or Service set
     forth herein is two (2) years, commencing on the delivery date of such
     Third Party Data or Service.

2.   Support of Web Infrastructure. SunGard will be responsible for the
     operation and maintenance of the communication links, shared servers and
     dedicated gateways required to process all market data and news feeds in
     connection with Customer's provision of services to its customers which
     include providing real-time and delayed market data, market summary,
     historical chart, newswire and/or symbol search services to its customers
     and via the Internet.

3.   Services. SunGard will provide to Customer's customers the following market
     data and services:

--------------------------------------------------------------------------------
Data Services                                                               $US
--------------------------------------------------------------------------------
SYMBOL SEARCH SERVER UPDATE
--------------------------------------------------------------------------------
TOP10
--------------------------------------------------------------------------------
          1 to 10,000                                                     ****
--------------------------------------------------------------------------------
          Over 10,000                                                     ****
--------------------------------------------------------------------------------
NEWS
--------------------------------------------------------------------------------
     Headlines
--------------------------------------------------------------------------------
          1 to 2,000,000                                                  ****
--------------------------------------------------------------------------------
          Over 2,000,000                                                  ****
--------------------------------------------------------------------------------
     Stories
--------------------------------------------------------------------------------
          1 to 10,000                                                     ****
--------------------------------------------------------------------------------
          10,000 to 50,000                                                ****
--------------------------------------------------------------------------------
          Over 50,000                                                     ****
--------------------------------------------------------------------------------
WEB QUOTES
--------------------------------------------------------------------------------
     Real time quotes
--------------------------------------------------------------------------------
          1 to 2,000,000                                                  ****
--------------------------------------------------------------------------------
          Over 2,000,000                                                  ****
--------------------------------------------------------------------------------
     Historical/delayed
--------------------------------------------------------------------------------
          1 to 1,000,000                                                  ****
--------------------------------------------------------------------------------
          1,000,001 to 2,000,000                                          ****
--------------------------------------------------------------------------------
          Over 2,000,000                                                  ****
--------------------------------------------------------------------------------
CHARTS
--------------------------------------------------------------------------------
     Historical 1 year/5year chart                                        ****
--------------------------------------------------------------------------------
     Comparative Chart                                                    ****
--------------------------------------------------------------------------------
     PLS Chart                                                            ****
--------------------------------------------------------------------------------
EMAIL ALARMS
--------------------------------------------------------------------------------
          Management of alarm                                  ****/alarm/day
--------------------------------------------------------------------------------
          Internet delivery                               ****/alarm delivery
--------------------------------------------------------------------------------

                                                                   Page 31 of 34
<PAGE>

--------------------------------------------------------------------------------
ZACKS RESEARCH
--------------------------------------------------------------------------------
Royalty fees
--------------------------------------------------------------------------------
     Royalty minimum - US data only                                    ****/m
--------------------------------------------------------------------------------
ZACKS MINIMUMS ARE COMPRISED OF:
--------------------------------------------------------------------------------
Royalty per User per month                                        ****/user/m
--------------------------------------------------------------------------------
or
--------------------------------------------------------------------------------
Per item royalty fee:
--------------------------------------------------------------------------------
     Corporate Information CDN                                           ****
--------------------------------------------------------------------------------
     Corporate Information US                                            ****
--------------------------------------------------------------------------------
     Recommendations                                                     ****
--------------------------------------------------------------------------------
     Recommendations By Broker Category                                  ****
--------------------------------------------------------------------------------
     Recommendations & EPS Estimates                                     ****
--------------------------------------------------------------------------------
     Quarterly And Yearly EPS Estimates                                  ****
--------------------------------------------------------------------------------
     Earnings Estimates Consensus Trend                                  ****
--------------------------------------------------------------------------------
     EPS Growth Rates Estimates                                          ****
--------------------------------------------------------------------------------
     Earnings Surprise                                                   ****
--------------------------------------------------------------------------------
      Delivery per Item                                                  ****
--------------------------------------------------------------------------------
COMTEX US ROYALTIES
--------------------------------------------------------------------------------
      Comtex Royalty per story read                                     $****
--------------------------------------------------------------------------------
     Minimum Royalties starting date the site goes on-line              $****
--------------------------------------------------------------------------------

4.   Hours Of Service. The Third Party Data and Services are normally available
     during the hours the Third Party Data and Services are made available by
     the Third Party Providers except during SunGard scheduled maintenance
     periods and in the event of other necessary maintenance periods or failures
     or other difficulties.

5.   Royalties And Other Third Party Fees. All royalties and other Third Party
     Fees for the use of, or for access to, the market data and transactional
     services must be paid by Customer. Because data vendors consider that
     SunGard is in control of user entitlement to the data, they require that
     SunGard be listed as the sub-vendor of the data. SunGard will extend its
     vendor's right to Customer in the event that SunGard is already authorized
     and is paying for the right and that this right may be extended to Customer
     without additional charge.

6.   Statistics. Within 20 days following the end of each month, SunGard will
     provide Customer with a summary activity report describing activity, for
     the prior month, of Customer's Internet service, of market data and service
     consumption and the technical support efforts for the previous month.
     SunGard will also include an invoice describing the fixed fees and variable
     fees based on the activity report ("Activity Invoice").

7.   Use Of Service; Third Party Conditions. The Third Party Data and Services
     are only to be used in conjunction with Customer's internet service and
     only made available to Customer's customers for their own personal use.
     Other internal customer's use for operational support or for demonstration
     purposes is also allowed. Any other use of the Third Party Data and
     Services is not permitted and would entail additional fees and an amendment
     to this Agreement if authorized by SunGard and (if required) the third
     party providers.

                                                                   Page 32 of 34
<PAGE>

(a) The following notices and agreements must appear on Customer's Internet
Service:

i.      "All market data is delayed by at least 20 minutes unless otherwise
        noted." (must appear anywhere market data or services are displayed)

ii.     "Quotes, historical data, charts and statistics are provided by SunGard"
        (must appear anywhere market data or services are displayed)

iii.    Canadian Exchange Cannex notice in general disclaimer (SunGard will
        provide) iv. Exchanges check in agreements at new user sign on (SunGard
        will provide)

                                                                   Page 33 of 34

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00028-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00028-of-00352.parquet"}]]