Document:

AGREEMENT

2/3/00

This Agreement states that eConnect has agreed to issue 100,000

SB2 shares of free trading stock to Burbank Coach Works as

payment for the co-branding of the eConnect logo at the 24 hours

HSR series at the February 4th and February 5th Daytona

International Raceway.

The eConnect name shall be displayed on the front end and on the

sides of a Porsche 935 and shall also be displayed on the

tractor-trailer.  Photos of the event shall be provided to

eConnect.

/s/  Thomas S. Hughes                 /s/  Ray Torres

Thomas S. Hughes                      Ray Torres

Chairman & CEO, eConnect              President, Burbank Coach
WorksSOFTWARE LICENSE, DEVELOPMENT AND MAINTENANCE AGREEMENT

This Software License, Development and Maintenance Agreement

("Agreement") is effective as of the 4th of February by and

between eFunds Corporation ("eFunds"), with an office at 400 West

Deluxe Parkway, Milwaukee, WI 53212, and eConnect (''Client')

with an office at 2500 Via Cabrillo Marina, Suite 112, San Pedro,

CA 90731.

In consideration of the mutual promises contained herein and

other consideration, the receipt and sufficiency of which are

hereby acknowledged by the parties, eFunds and Client agree as

follows:

Client desires to obtain certain license rights to the eFunds

Products and support services from eFunds in accordance with the

terms and conditions of this Agreement.  eFunds is willing to

license to Client the eFunds Products and provide to Client the

services specified in this Agreement, in accordance with and

subject to the terms and conditions of this Agreement.

1.  Definitions.  In addition to other terms defined elsewhere

in this Agreement, the following terms shall have the following

meanings when used in this Agreement, unless the context clearly

requires otherwise:

A.  "Client Customization" means any computer programming code

developed by Client using any Source Code provided by eFunds, and

all related Documentation, or any other Modification, and

includes, without limitation, any and all Modifications created

or developed by Client.

B.  "Confidential Information" means (i) a party's proprietary

or confidential information which is designated orally or in

writing as such or that by nature of the circumstances

surrounding the disclosure ought in good faith to be treated as

proprietary or confidential, and (ii) for purposes of Client's

obligations under Section 16 of this Agreement, all eFunds

Products, Client Customizations, and Source Code, including all

trade secrets contained therein.

C.  "Customized Programs" means, individually and collectively,

as the context requires, eFunds Customizations and Client

Customizations.

D.  "eFunds Customization" means any computer programming code

developed by eFunds at Client's request; and all related

Documentation, including but not limited to any and all

Modifications created or developed by eFunds at Client's request.

E.  "eFunds Products" means all Standard Programs, eFunds

Customizations, and related Documentation licensed to Client

hereunder.

F.  "Documentation" means (a) those written manuals and other

officially published written user documentation provided to

Client by eFunds for Standard Programs and eFunds Customizations

licensed by Client, and (b) with respect to Customized Programs,

all user, reference, system, programming and coding documentation

and specifications related thereto, and all updates related to

any of the foregoing.

G.  "Enhancement" means any change or addition to computer

programming code, other than Fixes and Maintenance Updates, that

adds new functions, or significantly improves operation, quality,

functional, capability, and/or performance by changes in system

design or coding.

H.  "Final Requirements Definition" or "FRD" means (i) the

document to be created by eFunds pursuant to subsection 3 b) of

this Agreement which provides a detailed definition of the eFunds

Customizations to be developed for Client in order to initially

adapt or tailor the Standard Programs to Client's operating

environment, and/or (ii) any subsequent document created by

eFunds at Client's request pursuant to subsection 3 e) below

which details additional eFunds Customizations to be developed

for Client.

I.  "Fix" means a correction to a eFunds Product or Client

Customization developed on an as-needed basis to address a

reproducible error, bug, or malfunction in a eFunds Product or

Client Customization.  A Fix may include a temporary by-pass to

correct or lessen the impact of the effect, or a permanent change

to correct the defect.

J.  "Foundation Program" means those Standard Programs specified

as such in Exhibit A to this Agreement or as to Standard Program

ordered by Client after the date of this Agreement, specified as

such by eFunds in writing or in Documentation.

K.  "Initial Programs" means the Standard Programs listed in

Exhibit A as of the date of this Agreement, and/or any eFunds

Customizations developed pursuant to subsection 4 c) below, if

any.

L.  "Maintenance Services" shall have the meaning ascribed

thereto in Section 8 of this Agreement.

M.  "Maintenance Update" means a Fix or collection of Fixes, and

may, in eFunds' sole discretion, include minor improvements in

operational performance, quality and/or functional capability

that do not meet the definition of Enhancement.

N.  "Modification" means any revision, modification, adaptation,

compilation, derivative work, enhancement, or other change made

to any Source Code or Documentation, or any other change made to

any eFunds Product or Client Customization, and specifically

includes without limitation, eFunds Customizations and Client

Customizations.

O.  "Non-Foundation Program" means those Standard Programs

listed in Exhibit A or subsequently licensed by Client hereunder

and which are not specified as Foundation Programs.

P.  "Preliminary Requirements Assessment" or "PRA" means: (i)

the document created by eFunds based upon information provided by

Client, which provides a high-level assessment of eFunds

Customizations requirements for the Standard Programs in order to

Initially adapt or tailor the standard Programs to Client's

operating environment, and/or (ii) any subsequent document

created by eFunds at Client's request pursuant to Section 3 e)

below for additional eFunds Customization(s) to be developed by

eFunds for Client.

Q.  "Product Release" means an accumulation of Fixes and/or

Maintenance Updates.

R.  "Professional Services" means any services other than

Maintenance Services that eFunds may agree to provide from

time-to-time hereunder, including but not limited to requirements

reviews, creating a PRA or FRD, project management, developing

eFunds Customizations, training, software installation, switch

preparation, and conversion services.

S.  "Site" means, collectively, the permanent and temporary

Client data processing centers identified in Section 4 c) below

(the "Permanent Site" and "Temporary Site", respectively), where

the eFunds Products and any Client Customized Programs may be

used pursuant to this Agreement.

T.  "Source Code" means the human-readable form of computer

programming code and any related (i) system documentation,

including all comments and procedural code such as job control

language, and (ii) libraries, screen files, data directories,

documentation and other items reasonably necessary to reconstruct

a Standard Program, eFunds Customization or Client Customization.

U.  "Standard Programs" means any of the eFunds software

programs then being generally offered for license by eFunds and

listed in Exhibit A to this Agreement, and others that may be

licensed later by Client from eFunds hereunder, and all related

Enhancements, Fixes, Maintenance Updates, Product Releases,

Versions, and Documentation.

V.  "Version" means (a) an accumulation of Maintenance Updates,

Product Releases, and/or Enhancements, and/or (b) any Maintenance

Update, Product Release or Enhancement, which changes a Standard

Program to a new system-operating platform.

2.  Scope of Agreement.  Subject to the terms and conditions of

this Agreement, and for the prices set forth in Exhibit A hereto,

eFunds agrees to provide the following products and services to

Client:

A.  Standard Programs.  eFunds agrees to license to Client the

Standard Programs listed on Exhibit A hereto in accordance with

the terms of Section 4 of this Agreement Standard Programs

licensed in object code-only form am so listed in Exhibit A;

B.  eFunds Customizations.  If requested by Client and agreed

upon in writing by eFunds, eFunds agrees to complete a Final

Requirements Definition in accordance with Section 3 b) of this

Agreement and develop eFunds Customizations in accordance

therewith;

C.  Maintenance Services.  eFunds agrees to provide Maintenance.

Services in accordance with Section 8 of this Agreement;

D.  Professional Services.  eFunds agrees to provide any

Professional Services identified in this Agreement or on Exhibit

A hereto; and

E.  Additional Products and Services.  Subject to subsection 19

m) below, eFunds may, in the future upon Client's request, and

upon such terms and conditions and at such prices as the parties

may agree in writing, license such additional Standard Programs,

develop such eFunds Customizations, and/or provide such

Maintenance Services and/or Professional Services as the parties

may agree upon in writing.

F.  Obligations of Client.  The Client undertakes to:

(i)  provide to eFunds promptly any information and

cooperation which eFunds may reasonably require from time to time

to provide warranty services, Maintenance Services, and otherwise

perform its obligations under this Agreement;

(ii)  prior to delivery to Client at Client's own expense,

prepare the Site and provide such environmental and operational

conditions as may be specified by eFunds; and

(iii)  provide eFunds reasonable access to the Client's

premises and business records for the purpose of verifying that

Client is complying with the terms and conditions of this

Agreement.

3.  Requirements Definition.  If requested by Client and agreed

upon in writing by eFunds, eFunds shall create a Final

Requirements Definition for Client in accordance with the

following:

E.  Preliminary Requirements Assessment.  eFunds has already
created

a Preliminary Requirements Assessment based upon information

obtained from Client. The PRA provides a high-level set of eFunds

Customization requirements for the Standard Programs and eFunds'

estimated cost to Client for such eFunds Customizations based

upon such Client information. The PRA, which Client represents

has been reviewed and approved by Client is attached hereto and

incorporated herein by reference as Exhibit B.

F.  Final Requirements Definition.  Upon execution of this
Agreement,

eFunds shall immediately commence the creation of the FRD for the

fee set forth in Exhibit A. The FRD shall contain a detailed

definition of eFunds Customizations to the Standard Programs and

the actual cost to Client for such eFunds Customizations. eFunds

shall complete the FRD and present the FRD to Client within no

more than sixty (60) days of execution of this Agreement, unless

(i) Client delays the creation of the FRD, or (ii) additional

time is agreed upon by the parties pursuant to subsection 3 d)

below or otherwise. In either such event, the sixty (60) day

period shall be extended by the number of days of Client's delay

or as agreed upon by the parties. Client agrees to provide eFunds

all reasonably required assistance and to make appropriate staff

and resources available to eFunds in a timely manner and as

necessary to complete the FRD.

G.  Go/No Go.  In the event that the cost to Client of eFunds

Customizations as presented in the FRD, exclusive of changes

agreed upon by the parties pursuant to subsection 3 d) below or

other changes or additions requested by Client that materially

change the PRA, does not exceed the estimated cost set forth in

Exhibit B by more than twenty percent (20%), eFunds shall be

authorized to, and eFunds shall, proceed with development of the

eFunds Customizations in accordance with the FRD. In the event

that: (i) the cost to Client of eFunds Custornizations as

presented in the FRD, exclusive of changes   agreed upon by the

parties pursuant to subsection 3 d) below or other changes or

additions requested by Client that materially change the PRA,

exceeds the estimated cost set forth in the PRA by more than

twenty percent (20%), and (ii) within thirty (30) days of

presentment of the FRD to Client by eFunds, either eFunds and

Client cannot work out a mutually acceptable fee for eFunds

Customizations, or in the absence of such agreement eFunds is

unwilling to absorb the difference between the eFunds

Customization fee set forth in the PRA and the FRD; then (iii)

either party may terminate this Agreement in accordance with

subsection 13 a) below.

H.  Change Procedures.  A change in scope of any PRA or FRD is
any

alteration to the PRA or FRD that affects cost, payments, or

schedule. Any change in the scope of a PRA or a FRD shall become

effective only when a written change request is executed by

authorized representatives of both parties in accordance with

this subsection 3 d). eFunds has overall responsibility for the

change process through its required resolution. Any change

requested by either party will be evaluated, resolved and/or

negotiated with respect to cost, schedule, resource impact and/or

priorities by authorized representatives of eFunds and Client in

accordance with the following:

(i)  The parties shall mutually agree upon the form of a "Change

Order Request" to be used hereunder. The change request shall be

described in the Change Order Request form by the party

originating the request The Change Order Request form will then

be submitted to eFunds' project manager for approval;

(ii)  eFunds' project manager will estimate the schedule impact

and cost to perform the evaluation, document this on the Change

Order Request form, and return the form to the Client project

manager for approval. If the Client project manager authorizes

the evaluation expenditure in writing, the eFunds project manager

will assign the Change Order Request to the appropriate personnel

to perform the technical evaluation-,

(iii)  Following the technical evaluation, the eFunds project

manager will determine the cost to Client of any changes or

additions to eFunds Customizations and the impact on the current

project scheduleto implement the Change Order Request document

this on the Change Order Request form, and return the form to the

Client project manager for an implementation decision, which

shall not be unreasonably withheld or delayed. Upon receipt of

the approved Change Order Request form signed by the Client

project manager, the eFunds project manager will schedule the

change for implementation. Approved Change Order Requests will be

deemed incorporated into and a part of the applicable PRA or FRD;

and

(iv)  eFunds shall manage the impact Change Order Requests have
on

project progress and cost, including both the impact of

performing the Change Order Request evaluation and the impact of

Change Order implementation. The eFunds project manager shall

maintain a log to keep track of all changes/issues and the

current status of each.

E.  Additional Requirements.  In the event that, after

completion of work in accordance with the initial FRD, Client

requests additional eFunds Customizations, eFunds shall create a

PRA and a FRD at the price to be agreed upon by the parties, and

the terms of subsection 3 c) and 3 d) above shall apply thereto.

F.  FRD Price.  In all cases, the price for any FRD agreed upon

by the ponies in Exhibit A or subsequent to the date hereof shall

be due and payable by Client and shall be non-refundable.

4.  License.  Subject to the terms and conditions of this

Agreement, eFunds grants Client a perpetual, nonexclusive,

non-transferable license to use the eFunds Products and Client

Customizations (if any) for the sole purpose of providing

electronic funds transfer and card management services for its

financial institution customers, subject to the following

limitations:

D.  Scope.

(i)  Each license entities Client to use one copy of the

Foundation Programs in a productive mode (and to retain one

reference copy of the Foundation Program in accordance with all

applicable provisions of this Agreement) only at the Permanent

Site identified below, and to use the Documentation provided,

solely for the purpose of providing electronic funds transfer

exclusively to its customers doing business in the Dominican

Republic.  Foundation Programs copied for archival, testing,

development, temporary back-up or temporary transfer to the

Temporary Site identified below (not to exceed ninety (90) days)

shall not be considered productive use. A license for any

Non-Foundation Program(s) is concurrent with the license for the

Foundation Program at the Site. The license entitles Client to

the use of multiple copies of the Non-Foundation Program(s)

solely in association with the licensed copy of the Foundation

Program. Client may copy the Documentation. in reasonably

sufficient numbers to support its authorized use of the Standard

Programs, provided that Client reproduces any copyright or other

proprietary notice contained in the Documentation and otherwise

complies with its obligations under Section 16 of this Agreement.

(ii)  For any Source Code which eFunds provides to Client, eFunds

hereby grants to Client a limited, non-exclusive and

non-transferable license for the term of this Agreement to use,

copy, execute and display such Source Code solely at the

Permanent Site and solely for the purpose of developing

Modifications to Standard Programs for Client's internal use.

(iii)  Any Customized Program shall be deemed a part of the

Foundation Program or Non-Foundation Program from which it was

created or to which it relates, and Client shall have the same

license rights therein, as well as with respect to associated

Documentation, as is granted by eFunds to Client in subsection 4

a) i) above for the related Foundation or Non-Foundation Program.

E.  Restrictions on Use.

(i)  Client shall not use, copy, translate, print or display any

eFunds Product, Client Customization, or Source Code, in whole or

in part other than as expressly authorized in this Agreement.

(ii)  Client agrees not to reverse assemble or decompile any

eFunds Product or portion thereof which eFunds does not provide

in Source Code form.

(iii)  In no event shall Client, without eFunds' express prior

written consent, use any eFunds Product or any Client

Customization to provide services to customers outside the

Territory. Client acknowledges that any consent to such

additional use by eFunds will require the payment by Client of

additional license fees. In no event shall client, without

eFunds' prior written consent, use of any eFunds Product or any

Client Customization in any time sharing or service bureau

environment or for shared, regional, or national network or

interchange.

(iv)  Client shall maintain appropriate and mutually agreed

processes and systems to assure that all transactions performed

by Client using or relying in any way upon any eFunds Product are

lawful; advise eFunds in writing prior to implementing any

changes to such mutually agreed processes and systems; permit

only lawful transactions to be undertaken using or relying in any

way upon any eFunds Product; and cease immediately performing any

transactions that, in the reasonable opinion of eFunds as set

forth in written notice to Client, are or may be unlawful. This

is a material term of this Agreement.

(v)  Client agrees that it shall not use any eFunds Product,

permit the use of any eFunds Product, or represent to any third

party that it does, will, or intend to use any eFunds Product in

connection with any Internet gaming or gambling activities of any

kind without the express written consent of eFunds. Such consent

may be withheld by eFunds in its sole discretion. Client shall

also obtain the advance written approval of eFunds for any public

statements related to Internet gaming or gambling activities that

use, will use, or intend to use any eFunds Product.  This is a

material term of this Agreement.

(vi)  Any rights not expressly granted to Client in this
Agreement

are reserved by eFunds.

F.  Site.

Permanent Site: 2500 Via Cabrillo Marina, Suite 112, San Pedro,

CA 90731

Temporary Site: Same as Permanent

5.  Term.

A.  License. The license granted hereunder is perpetual upon

execution of this Agreement, subject to termination in accordance

with this Agreement.

B.  Maintenance.

(i)  Initial Term.  With respect to Maintenance Services for

Initial Programs, this Agreement will be effective upon the date

first set forth above and will continue for sixty (60) months

following the date of Installation (the "Initial Term").

(ii)  Renewal Terms.  With respect to Maintenance Services for

Initial Programs, after the Initial Term, this Agreement shall be

automatically renewed for successive two (2) year periods (each,

a "Renewal Term") unless either party terminates the Agreement as

provided for in this Agreement.

(iii)  Other Customized Programs.  In the event that Client

requests and eFunds agrees to provide maintenance and support

services for additional eFunds Customizations and/or Client

Customizations, such maintenance and support services shall be

coterminous with this Agreement unless eFunds and Client

separately agree in writing on a different term for such

services.

6.  eFunds Deliverables.

A.  Installation and Testing. eFunds will install and test the

Initial Programs licensed by Client at the Permanent Site. The

installation and testing of the Initial Programs will consist of

the following operations: (i) the current version of the Initial

Programs and related files will be restored to disc from tape-

this consists of the productive code, data files, the input

specification to the operating system, utilities, a test data

base and generating installation files; (ii) this reference copy

of the Initial Programs is "frozen", that is, Modifications shall

not be made once (i) is complete; all future Product

Release/Version deliveries will be based on this reference

Initial Program copy; (iii) eFunds will modify the Initial

Programs as necessary to fit the local disc, operating system and

communications access methods environment; (iv) eFunds will bring

up the Initial Programs and will perform the, standard

installation tests; (v) in each event, the Client host will be

substituted for a simulator if Client has established the host

connection. When the tests have been successfully completed,

installation will be complete ("Installation").

B.  Acceptance. After Installation, Client shall have thirty

(30) days to do whatever acceptance testing itchooses to

determine whether the Initial Program(s) function substantially

as described in theDocumentation. Failure to notify eFunds of a

problem in writing, or productive use by Client during such

thirty (30) day period, shall constitute Client acceptance of the

Initial Program(s) ("Acceptance"). In the event Client notifies

eFunds in writing during such period that the Initial Programs

are not functioning substantially as described in the

Documentation, and eFunds and Client agree within fifteen (15)

days of such notice that the Initial Programs are not functioning

substantially as described in the Documentation, then eFunds will

make such corrections as are necessary to put the Initial

Programs in operating order such that the Initial Programs will

function substantially as described in the Documentation and

Acceptance will be deemed to have occurred. In the event eFunds

and Client do not agree within forty-five (45) days of such

notice that the Initial Programs are functioning substantially as

described in the Documentation, then Client will return or

certify destruction of the Initial Programs, eFunds shall refund

all license fees paid, and this Agreement and all licenses

granted hereunder shall terminate.

C.  eFunds Customizations.  For any eFunds Customization

developed pursuant to subsection 3 d), eFunds and Client shall

agree, in writing, upon mutually acceptable installation and

acceptance criteria. At a minimum, the process/methodology set

forth in subsections 6 a) and 6 b) above shall be followed.

D.  Documentation.  eFunds will provide Client two (2) copies of

its Documentation for use with Initial Programs and other eFunds

Customizations.

7.  Warranties.

A.  General Warranty.  eFuads warrants for a period of ninety

(90) days following Installation, that the Initial Programs and

other eFunds Customizations will perform substantially in

accordance with the specifications described in eFunds' current

Documentation, if properly used within the specified operating

environment. eFunds makes no warranty that the Initial Programs

or other eFunds Customiztions will run uninterrupted or will be

error free' During the warranty period, eFunds' sole obligation

shall be to correct any material errors or malfunctions necessary

to conform to the warranty at no additional charge to Client.

eFunds shall have no liability under this warranty unless Client

notifies eFunds in sufficient detail of any errors which Client

believes to be caused by a failure of the Initial Programs or

other eFunds Customization to function as warranted and provides

eFunds with any information which eFunds reasonably requests to

identify and correct the error. Notice shall be given by

forwarding a description of the error or malfunction to eFunds by

phone, followed by a written report. Client agrees to allow

eFunds the opportunity to make repeated efforts over a reasonable

period of time (not less than thirty (30) days) to correct any

error or malfunction.

B.  Warranty Against Infringement.  eFunds will hold harmless

and, at its own expense, defend any action brought against Client

based an a claim that a eFunds Product provided hereunder

infringes a United States copyright or United States patent,

provided that Client notifies eFunds promptly in writing of the

claim and eFunds is provided an opportunity to fully defend the

claim and/or agrees to any settlement of such claim. Should the

eFunds Products become, or in eFunds' opinion be likely to become

the subject of a claim of infringement of a copyright, patent, or

other United States proprietary right, eFunds may procure for

Client the right to continue using the eFunds Products as

contemplated by this Agreement or replace or modify them to make

them non-infringing, at no additional charge to Client. In the

event neither of the above is economically practical, Client may

receive a refund of a portion of the license fee paid, based upon

a five yew straight line depreciation from the date of

Installation. The above obligations as to infringement apply to

eFunds Customizations only if eFunds had actual knowledge of a

potential third party claim and failed to advise Client promptly

of such knowledge. eFunds shall have no obligation under this

provision for any claim based upon (i) the operation, combination

or use of eFunds Products with equipment, data or programs not

furnished by eFunds if such infringement could have been avoided

by the operation, combination or use of other equipment, data or

programs, (ii) any information or specifications supplied or

required by Client; (iii) Client Customization or Client's use of

any Source Code, or (iv) any Modification by any third party. The

foregoing states the entire liability of eFunds with respect to

infringement of any copyrights or patents or other proprietary

right by the eFunds Products or any part thereof.

C.  Disclaimer Of Warranties. CLIENT ACKNOWLEDGES THAT IT HAS

INDEPENDENTLY EVALUATED THE INITIAL PROGRAMS AND OTHER EFUNDS

CUSTOMIZATIONS AND APPLICATION THEREOF TO ITS NEEDS, AND THAT,

EXCEPT AS SPECIFICALLY PROVIDED HEREIN, THERE ARE NO WARRANTIES,

EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO,

ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOP, A

PARTICULAR PURPOSE, NON-INFRINGEMENT, FROM A COURSE OF DEALING OR

USAGE OF TRADE, OR ARISING OTHERWISE BY LAW.  CLIENT FURTHER

ACKNOWLEDGES AND AGREES MT SOURCE CODE IS PROVIDED BY EFUNDS "AS

IS" AND THAT EFUNDS MAKES NO WARRANTIES, EXPRESS OR IMPLIED,

INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF

MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, FROM A COURSE

OF DEALING OR USAGE OF TRADE, NON-INFRINGEMENT, OR OTHERWISE

ARISING BY LAW, WITH RESPECT TO SOURCE CODE, CLIENT

CUSTOMIZATIONS, OR CLIENT'S USE OF ANY OF THE FOREGOING, EFUNDS

ASSUMES NO RESPONSBILITY AND CLIENT EXPRESSLY ASSUMES ALL RISKS

IN ANY WAY RELATED THERETO. EFUNDS MAKES NO WARRANTY, EXPRESS OR

IMPLIED, AS TO THE PERFORMANCE OF ANY CLIENT CUSTOMIZATION OR

THAT ANY CLIENT CUSTOMIZATION WILL FUNCTION WITH EXISTING OR

FUTURE VERSIONS OR RELEASES OF ANY STANDARD PROGRAM AND CLIENT

ASSUMES ALL RESPONSIBILITY THEREFOR AND RISK THEREOF.

8.  Maintenance.  Subject to the provisions of this Section

8 and the timely and full payment of applicable fees, eFunds will

provide the maintenance and support services detailed in this

Section 8 ("Maintenance Services") for one productive copy of all

Initial Program(s) and those Customized Programs subsequently

agreed to by Client and eFunds for maintenance- Maintenance

Services shall be provided only to the Permanent Site.

A.  Maintenance of Initial Programs. Subject to the timely and

full payment of the fees required hereunder and the conditions of

this Agreement, during the term of this Agreement, eFunds will

maintain the Initial Programs in accordance with the General

Warranty set forth in subsection 7 a) above, and as set forth in

this subsection 8 a), provided that Client is using Standard

Programs that are current to within one Product Release or

Version.

(i)  Documentation.  eFunds will supply applicable Documentation

as released by eFunds.

(ii)  Fixes.  eFunds will supply Client with all Fixes for
defects

reported by Client or where the Fix will lessen or correct a

serious defect. Fixes which are applicable to any Client are

accumulated and provided with the next Maintenance Update.

(iii)  Maintenance Updates.  eFunds will offer Client all

Maintenance Updates. The availability of Maintenance Updates is

announced periodically in eFunds technical bulletins, Maintenance

Updates are sent upon request at no additional charge to Client

(iv)  Product Releases.  eFunds will offer Client all Product

Releases. General availability of Product Releases and the

descriptions of new features and functions are announced

periodically, with an estimated availability announced

approximately three (3) months in advance. Product Releases

include development of a plan to migrate eFunds Products under

maintenance, coordination of plan activities, and testing prior

to delivery. Product Releases are sent upon request after general

availability and will be provided at no additional charge to

Client.

(v)  Versions.  eFunds will offer Client all Versions. Versions

may, in eFunds sole discretion, require payment of an additional

license fee.

(vi)  If, as the result of Client making any changes to the
Source

Code of the eFunds Product(s), any new Release or Version of the

eFunds Products that eFunds supplies to Client am not compatible

with the operational version of the eFunds Products so modified,

eFunds shall have no obligation to provide support or any

Maintenance Service to Client in respect of the new Release or

Version.

B.  Maintenance Delivery. All Fixes, Maintenance Updates,

Product Releases, and Versions provided hereunder shall be

delivered on magnetic tape by mail. Client may request additional

levels of delivery, including express mail delivery, delivery

through computer by computer access, or on-line terminal entry,

at eFunds' then current charges for such services.

C.  Client Support. eFunds will provide a Client support center

during normal business hours (CST) to provide routine technical

support for eFunds Products under maintenance and a 24-hour,

7-day "hot line" to support significant problems wising outside

of normal business hours. Client agrees that when Client notifies

eFunds of an error or malfunction and eFunds determines that the

problem is due to other than eFunds' failure to maintain the

eFunds Products as required hereunder, any time expended by

eFunds to fix the problem shall be at eFunds' then current time

and materials rate.

(i)  Account Managers.  Each party shall assign an account

manager to act as a single point of contact to the other party

for all aspects of Maintenance Services. The respective account
manager's

duties will include:

(a)  acting as primary interface with the other party;

(b)  managing service levels;

(c)  monitoring Client's level of satisfaction with eFunds'

services and continuously evaluating potential improvements of

service quality; and

(d)  coordinating the required modifications and associated

approvals to any changes in this Agreement to which the parties

may agree

(ii)  Telephone Support Service.  Telephone support service

includes Client having direct telephone access to the eFunds

software support center- The telephone number for such service is

1-900-356-6448 or 414-341-5595, or as advised in writing from

time-to-time by eFunds.

(iii)  Problem Resolution.  Problems shall be dealt with in

accordance with the level of severitv determined by eFunds, as

further defined in Exhibit B attached hereto and incorporated

herein by reference.

D.  Installation.  Unless otherwise agreed in writing by the

parties, Client will be responsible for the installation of all

Fixes, Maintenance Updates, Versions, and Product Releases.

Client acknowledges that its failure to instill such items may

eventually make the Initial Programs unusable or nonconforming to

their specifications and Client assumes all risks of such use.

eFunds may provide installation services at Client's request, at

eFunds' then-current time and materials rates.

E.  Maintenance of Other Customized Programs.

(i)  if Client elects to have eFunds maintain eFunds

Customizations, eFunds will maintain eFunds Customizations so

that they operate in substantial conformity with the

Documentation, provided that Client has installed Standard

Programs that are current to within one Product Release or

Version. eFunds will supply Client with all Fixes as

expeditiously as is reasonably possible. in the event that Client

declines maintenance for eFunds Customizations, Client may

maintain such eFunds Customizations itself, however, Client

acknowledges that eFunds shall have no responsibility therefor

and Client assumes all risks of any consequence of eFunds not

providing maintenance for such eFunds Customizations.

(ii)  With respect to Client Customizations, eFunds may, but
shall

have no obligation to, provide Maintenance Services therefor. For

any Client Customization, Client and eFunds must separately agree

in writing as to any maintenance that eFunds will provide with

respect thereto, including aIl terms and conditions thereof and

the annual maintenance fee to be paid by Client for such

services. A condition precedent to any obligation of eFunds to

provide maintenance for Client Customizations shall, be that

Client is using Standard Programs that art current to within one

Product Release or Version.

(iii)  Migration of any Customized Program from Product

Release to Product Release or to a new Version will be done at

eFunds' current time and material rates.

(iv)  eFunds shall not be required to provide maintenance to

anything other than a Standard Program or Initial Program. If

someone other than eFunds makes any Modification to a Standard

Program or Initial Program without the express written

authorization of eFunds, eFunds will continue to supply

Maintenance Services to the unmodified portion of the Standard

Programs or Initial Programs. Modification by anyone other than

eFunds and release of eFunds' obligations for maintenance shall

not relieve Client from its obligations to pay fees hereunder. At

eFunds' option and at Client's request, eFunds may provide

maintenance for such unauthorized changes at eFunds' then current

time and materials rates or as otherwise agreed upon.

F.  Client Responsibilities.  Failure by Client to install

Standard Programs that are current to within one Product Release

or Version shall relieve eFunds of its obligation to provide

Maintenance Services hereunder, but shall not relieve Client of

its obligations to pay full Maintenance Services fees hereunder.

G.  Exclusions.  Notwithstanding any other provision of this

Agreement, eFunds' obligation to provide maintenance and support

services under this Agreement does not cover maintenance

services, repair or replacement caused by (i) failure to provide

a suitable environment prescribed by eFunds; (ii) neglect,

accident disaster (including water, wind and lightening),

transportation or vandalism not attributable to eFunds; (iii)

alterations, applications, additions or Modifications to or for

the eFunds Products or Client Customizations which are not

provided or approved in writing by eFunds; (iv) host computers,

networks, telephone switches and other applications, attachments,

machines, software or accessories, and modification or additions

thereto, not provided by eFunds; (v) failure to use and operate

the eFunds Products in accordance with the Documentation

delivered to Client; (vi) requests for remedial maintenance from

any party other than Client-, or (vii) maintenance or repair not

performed by eFunds.

9.  Proprietary Rights.  All eFunds Products, Client

Customizations, Source Code, and any Modifications to any of the

foregoing, and all proprietary and intellectual property rights,

title and interest in and to all such eFunds Products, Client

Customizations Source Code and Modifications, is and shall be the

sole and exclusive property of eFunds. Client agrees that it

shall make no use whatsoever of any eFunds Product, Client

Customization, Source Code or Modification except as expressly

authorized in this Agreement.

A.  If Client creates or develops any Modification, it shall be

considered a work made for hire by Client for eFunds and Cheat

hereby assigns, and upon creation of any Modification

automatically assigns, to eFunds, its successors and assigns,

ownership of all copyrights, patents, and other intellectual

property rights in and to each and every Modification, whether or

not any such Modification, by operation of law, may be considered

work made for hire by Client for eFunds. All Modifications

created by Client shall be considered Client Customizations for

all purposes of the Agreement. Cheat represents and warrants that

Client shall obtain from any individual making Modifications an

agreement sufficient for Client to comply with the terms and

conditions of Section 16 of this Agreement, and to obtain such

rights as am necessary to vest in eFunds the rights and ownership

in the Modifications as provided in this provision.

B.  Client shall (i) mark any Modification with such copyright

or other proprietary notices as directed by eFunds, and (ii)

provide to eFunds such assistance as is reasonably necessary to

perfect or protect proprietary and intellectual property rights

to the Modifications.

C.  Upon request of eFunds, but no less frequently than

semi-annually (whether or not requested by eFunds), Cheat shall

provide to eFunds at no cost to eFunds and at such location and

on media designated by eFunds all Source Code for any

Modifications made or created by or for Client. This provision

and the delivery by Client to eFunds hereunder does not change or

after eFunds' obligations with respect to Client Customizations

under this Agreement.

10.  Cooperation.  During the term of this Agreement, Client

shall assign at least one qualified staff member to work with

eFunds and shall make available additional appropriate personnel

as eFunds may reasonably request to answer questions and provide

information concerning Client's facility, operations and

requirements related to the installation, testing and maintenance

of eFunds Products and Client Customizations. Client shall have

the Site ready for installation, and allow eFunds appropriate

physical access to the computer systems and such data bases as

will be in communication with die eFunds Products and Client

Customizations.

11.  Destruction of eFunds Property upon Termination.

Within thirty (30) days of termination of any license granted

hereunder or of this Agreement, Client will either certify to

eFunds in writing as to the destruction of the eFunds Products,

Client Customizations, eFunds' Confidential Information, and

Source Code, including all copies thereof or will return to

eFunds the eFunds Products, Client Customizations, eFunds'

Confidential Information, and Source Code, and all copies

thereof.

12.  Compliance with Federal, State and Local Law.  Except as set

forth in the Documentation, Client assumes all responsibility for

the eFunds Products provided hereunder, and Client

Customizations, being capable of allowing the Client to comply

with federal, state and local laws and regulations.

13.  Termination of Agreement.  This Agreement may be terminated

by Client or by eFunds only as set forth in this Section

A.  Failure to Agree on eFunds Customizations Costs for

Initial Programs.  In the event that (i) the cost to Client of

eFunds Customizations as presented in the FRD created by eFunds

pursuant to subsection 3 b) above, exclusive.of changes agreed

upon by the parties pursuant to subsection 3 d) above or other

changes or additions requested by Client that materially change

the PRA, exceeds the estimated cost set forth in Exhibit B by

more than twenty percent (20%), and (ii) either eFunds and Client

cannot work out a mutually acceptable fee for such eFunds

Customizations, or in the absence of such agreement eFunds is

unwilling to absorb the difference between the eFunds

Customization fee set forth in the PRA and the FRD, then either

party may terminate this Agreement upon ten (10) days written

notice to the other party.

B.  Non-Acceptance of Initial Programs.  In the event that

the Initial Programs are not accepted by Client pursuant to

subsection 6 b) of this Agreement, either party may terminate

this Agreement upon ten (10) days written notice to the other

party.

C.  End of Term.  With respect to Maintenance Services,

this Agreement may be terminated by either party by giving no

less than one hundred eighty (180) days prior written notice of

termination effective at the end of the Initial Term or any

Renewal Tem.\

D.  Default.  Either party may terminate this Agreement in its

entirety, including any and all licenses granted hereunder,

effective thirty (30) days after written notice is given upon the

occurrence of a material default by the other party, provided

that such default is not cured within thirty (30) days after

receipt of such notice of such default; except that with respect

to the default of the Client under section 4(b)(iv) or 4(b)(v) of

this Agreement, termination shall be effective ten (10) days

after written notice is given upon the occurrence of a material

default of section 4(b)(iv) or 4(b)(v), provided that such

default is not cured within ten (10) days after receipt of such

notice of default; and provided further that, with respect to the

default of the Client under section 4(b)(iv) or 4(b)(v) of this

Agreement termination may occur upon a second default immediately

upon the receipt of the second notice, without any additional

opportunity to cure.

E.  Other Conditions.  A party may terminate this Agreement in

its entirety, including any and all licenses granted hereunder,

immediately upon written notice in the event the other party:

(i)  has failed to establish reasonable procedures for

protecting the other party's Confidential Information or has
intentionally

disclosed the other party's Confidential Information, without
permission;

(ii)  makes a general assignment for the benefit of creditors;

(iii)  applies for the appointment of a trustee, liquidator or

receiver for its business or property, or one is assigned

involuntarily;

(iv)  is subject to a proceeding for bankruptcy,

receivership, insolvency, dissolution or liquidation; or

(v)  is adjudicated insolvent or bankrupt

14.  Client's Remedies.  eFunds and Client acknowledge that

circumstances could arise entitling Client to damages or

rescission arising from performance by eFunds of its obligations

hereunder or a failure by eFunds to perform its obligations and

have agreed in all such circumstances that Client's remedies and

eFunds' liabilities will be limited to those set forth in this

Agreement. Fox- material breach or default of this Agreement,

eFunds' sole obligation shall be to remedy the breach, IN ANY

ACTION BY CLIENT AGAINST EFUNDS ARISING FROM THE PERFORMANCE, OR

FAILURE OF PERFORMANCE OF EFUNDS' OBLIGATIONS UNDER - THIS

AGREEMENT, DAMAGES SHALL BE LIMITED SOLELY TO DIRECT MONEY

DAMAGES ACTUALLY INCURRED BY CLIENT AND DIRECTLY ATTRlBUTABLE TO

EFUNDS' PERFORMANCE OR FAILURE TO PERFORM, REGARDLESS OF THE FORM

OF ACTION AND WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR

OTHERWISE; PROVIDED, HOWEVER, THAT IN NO EVENT SHALL SUCH DAMAGES

OR ANY RIGHT OF RECOVERY BY CLIENT EXCEED THE TOTAL MAINTENANCE

FEES PAID BY CLIENT TO EFUNDS UNDER THIS AGREEMENT FOR THE THREE

(3) MONTHS IMMEDIATELY PRECEDING THE DATE ON WHICH CLIENT'S CLAIM

AROSE. IN NO EVENT SHALL EFUNDS BE RES13ONSIBLE OR LIABLE FOR ANY

LOSS OF PROFITS, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR INDIRECT

DAMAGES OF ANY KIND OR NATURE. Client agrees that eFunds shall

have no duty of indemnity or contribution for a third party claim

arising from the use of the Products or eFunds' performance or

non-performance of any Processing Services hereunder.

Client acknowledges and agrees that the damage and liability

limitations set forth in this Section 14 are reasonable in light

of all present and reasonably foreseeable events and the possible

amount of actual damages to Client. The limitations set forth in

this Section 14 shall not apply to personal injury or tangible

property damage to the extent caused by the gross negligence or

willful misconduct of eFunds, or to eFunds' obligations under

Section 7(b) of this Agreement. The limitations set forth in this

Section 14 will survive termination of this Agreement

notwithstanding Customer election to rescind or otherwise be

discharged from this Agreement.

15.  Client's Liability For Third Party Claims.  Client agrees to

defend, indemnify and hold eFunds harmless from and against any

claim by a third party for any loss, cost damages, or expenses

(including reasonable attorneys' fees), including but not limited

to lost profits, direct incidental, consequential, special,

indirect or punitive damages arising out of or relating to Client

use of the eFunds Products, Client Customizations, or Source

Code. provided eFunds promptly notifies Client of any such claims

of which eFunds is aware and Client is provided an opportunity to

fully participate in the defense or settlement of any such

claims. Such indemnification by Client shall not apply to

personal injury or property damage to the extent caused by the

gross negligence of eFunds, or to eFunds' obligations with

respect to its warranty against infringement. EFunds may require

Client to provide reasonable and adequate security with respect

to any claim or potential third party claim arising out of or

related to in tiny way any unlawful or allegedly unlawful

transactions undertaken using or relying in any way upon any

eFunds Product .

16.  Confidentiality Obligations.  Each party agrees that (a)

during the course of its performance of this Agreement it may

learn or be exposed to certain of the other party's Confidential

Information; (b) the Confidential Information of the other shall

remain the property of the other, and that such Confidential

Information is made available on a limited use basis solely in

connection with this Agreement; (c) it will advise its employees

and independent contractors to whom the information is disclosed

of their obligations under this Agreement; (d) it will not sell,

disclose or otherwise make available any such Confidential

Information, in whole or in part, to any third party other than

its independent contractors under appropriate written

confidentiality agreements without the prior written consent of

the other party, or use Confidential Information for any purpose

other than as expressly authorized by this Agreement; and (e) it

will utilize the same degree of care it utilizes for its own

Confidential Information, but in no case less than a reasonable

degree of care, to prevent disclosure of such Confidential

Information to any unauthorized person or entity. Upon

termination of this Agreement all copies of Confidential

Information shall be returned. The restrictions under this

Section shall not apply to information which: (i) is or becomes

publicly known through no wrongful act of the party receiving the

Confidential Information; or (ii) becomes known to a party

without confidential or proprietary restriction from a source

other than the disclosing party-, or (iii) a party can show by

written records was in its possession prior to disclosure by the

other party; or (iv) was independently developed by it without

use of or reference to the Confidential Information of the other

party. In the event a party is legally compelled to disclose

Confidential Information of the other party, it will be entitled

to do so provided it gives the other party prompt notice and

assists the other party, at the other party's expense, in

obtaining a protective order.

17.  Escrow.  In the event eFunds does not provide Source

Code to Client for any Standard Program or eFunds Customization,

upon Client's request and at Client's expense, eFunds will

deposit with a third party software escrow agent in the United

States such Source Code and related materials sufficient to

enable a reasonably skilled programmer or analyst to maintain and

enhance the Program(s) licensed hereunder ("Escrow Deposit"). The

Escrow Deposit will be made available to Client in accordance

with the terms and conditions of a mutually agreed upon escrow

agreement in the event eFunds or a suitable third party (i) no

longer makes available maintenance support for the Escrow Deposit

and the Escrow Deposit is within one Product Release or Version

of eFunds' currently licensed Standard Program; (ii) has become

insolvent or bankrupt or (iii) fails to remedy a material breach

of its obligations as set forth in this Agreement after proper

notice and reasonable opportunity to cure (no less than thirty

(30) days).

18.  Year 2000 Compliance Statement.  eFunds will ensure that

eFunds Products are Century Compliant for the year 2000. "Century

Compliant" means that the eFunds Products shall be capable of

accounting for all calculations using a century/date sensitive

algorithm for the 201 and 2 1 st century in performing the

functions described in eFunds' current Documentation, if properly

used within the specified operating environment. The eFunds

Products will recognize the rollover to year 2000 and the fact

that the year 2000 is a leap year. eFunds' sole obligation under

Us provision shall be to correct any material errors or

malfunctions necessary to make the eFunds Products Century

Compliant, at no additional charge to Client. eFunds shall not be

required to render Century Compliant any Client unique software,

custom code, or other product that eFunds has identified as being

non-standard. eFunds shall not be required to provide Century

Compliant support to any customer which is not current in all

payments overall to eFunds. Client is responsible for notifying

its vendors and having its vendors' code modified to eFunds'

format. eFunds shall not be required to provide Century Compliant

modifications for (a) software for which Client rightfully has

source code and which is not under maintenance with eFunds; or

(b) software owned by Client or licensed by Client from a third

party. EFunds shall not be liable for any Century Compliant

failure if such failure was caused by Client or third party

hardware, software, or interfaces to the processing software.

This statement is a reflection of eFunds' intention to provide a

cost free customer service to customers under specified terms and

conditions. This statement is not a representation or warranty by

eFunds with respect to any eFunds Products or other software.

19.  General Provisions.

A.  Notices.  All notices provided for by this Agreement shall

be in writing and shall be by registered or certified mail,

addressed to the President at the address set forth in this

Agreement or in accordance with the last written instructions

received from such party concerning the Person and address for

such notices, and shall be effective upon receipt,

B.  Assignment.  Neither party shall have the right to assign

this Agreement without the prior written consent of the other,

which consent shall not be unreasonably withheld, except that

eFunds may assign this Agreement to Deluxe Corporation, any of

Deluxe Corporation's majority owned or controlled subsidiaries,

or a successor in interest to eFunds, provided that eFunds gives

Customer written notice of such assignment. The covenants and

conditions contained in this Agreement shall apply to and bind

the successors and permitted assigns of the ponies hereto.

C.  Severability.  If any provision of the Agreement shall be

held to be invalid, illegal or unenforceable, the validity,

legality or enforceability of the remainder of this Agreement

shall not in any way be affected.

D.  Further Assurances.  Each party shall upon request provide

such further assurances and undertake such further acts or things

as may be reasonably necessary or appropriate to effectuate the

terms of this Agreement.

E.  Force Majeure.  Neither party shall be considered in default

in performance of its obligations should their execution be

delayed by any act or cause which is beyond the reasonable

control and without the fault or negligence of the party claiming

the delay. Notwithstanding the foregoing, if Client is prohibited

from making any payments hereunder by any authority having

jurisdiction, eFunds may terminate this Agreement in its entirety

immediately.

F.  Waiver.  The failure of either parry to enforce at anytime

any provision of this Agreement or to exercise any right herein

provided, shall not in any way be construed to be a waiver of

such provision or right, and shall not in anyway affect the

validity of this Agreement or any part hereof, or limit, prevent

or impair the right of either party to subsequently enforce any

provision or exercise any right hereunder.

G.  Survival.  Expiration or termination of this Agreement by

either party shall not relieve either party from any obligation

accrued through the date of termination. In addition, the terms

and conditions set forth in this Agreement which by their nature

and sense continue beyond termination of this Agreement including

by way of illustration only and not limitation, Sections 1, 4, 7,

9, 11, 14, 15, 16, and 18 of this Agreement, shall survive any

termination or expiration of this Agreement.

H.  Status.  Neither party shall be deemed the agent, partner,

or co-venturer of the other by reason of this Agreement or

Client's use of the eFunds Products, Client Customizations, or

Source Code.

I.  Governing Law.  This Agreement shall be governed by the Jaws

of the State of Wisconsin, without regard to conflicts of law

provisions.

J.  Export Restriction.  Regardless of any disclosure made by

Client to eFunds of an ultimate destination of any eFunds

Products, Client Customization or Source Code, Client will not

export and/or re-export, either directly or indirectly, any

eFunds Product, Client Customization, Source Code or any other

technology obtained from eFunds without first obtaining, at the

Client's expense, an export/re-export license from the United

States government, as required. In no event shall Client export

or re-export any of the foregoing to any country, individual,

end-user at end-use prohibited under U.S. Department of Commerce

or U.S. Department of Treasury Regulations. Client expressly

acknowledges and agrees that eFunds' obligations under this

Agreement are dependent and contingent upon eFunds' ability to

obtain any required U.S. export or re-export license or other

authorization.

K.  Taxes.  Any taxes based upon this Agreement or the services

or products provided, except upon income of eFunds, shall be paid

by Client eFunds shall be entitled to receive 100% of payments

due to it hereunder. In the event any taxing authority withholds

or intercepts any amount due to eFunds; hereunder, Client shall

pay to eFunds on demand the Ml amount of such withholding or

intercepted payment.

L.  Construction.  Unless explicitly stated otherwise, for any

event which calls for either party to exercise its judgment, give

its consent or perform an obligation, a standard of

reasonableness shall apply. This   Agreement shall not be

construed more favorably toward either party regardless of which

party is more responsible for drafting it.

M.  Changes.  Any modifications or additions to this Agreement,

the eFunds Products, or services requested by Client and agreed

to by eFunds: will be documented in writing signed by both

parties and will be governed by this Agreement unless otherwise

specifically agreed.

N.  Payments.  Client shall pay eFunds such amounts as are

specified in Exhibit A, as well as such      amounts as are

subsequently agreed upon by the parties. Unless specified

otherwise, 4 amounts are due when the service has been completed

or eFunds Product provided. Annual fees will be invoiced and paid

in advance. Amounts outstanding after the due date are subject to

an interest charge to date of payment of the lesser of 18% per

annum or the highest legally allowable rate. eFunds may adjust

its fees annually, effective January 1, upon at least sixty (60)

days written notice; provided no such increase, except with

respect to rates for professional services, shall exceed 10%.

O.  Dispute Resolution.  The parties shall agree upon a

reasonable dispute resolution process and will endeavor in good

faith to resolve any dispute or controversy arising under this

Agreement in a mutually acceptable manner. Any dispute or matter

arising out of or connected with this Agreement that cannot be

resolved by such process way be referred to Arbitration in

Milwaukee, Wisconsin by either party under the rules and

regulations of the American Arbitration Association ("AAA")

applicable to computer and technology disputes before a single

arbitrator.  The said arbitrator shall be appointed by agreement

between the parties or, in default of such agreement, by the AAA,

and the arbitrator's final ruling shall be enforceable in any

court having jurisdiction. Notwithstanding the foregoing, in no

event shall any dispute as to ownership or infringement of

Confidential Information or intellectual property rights-be

subject to this provision.

P.  Non-Hire Covenant.  Each party covenants with the other that

it shall not hire or solicit, for itself or any other person or

entity, directly or indirectly, any person who was employed or

engaged as a consultant of the other within two (2) years of the

date such person terminates his/her employment or consultant

status with the other patty.

Q.  Inspection; Audit.  Client shall maintain such books and

records as are necessary to demonstrate Client's compliance with

its obligations under this Agreement and to verify that Client

has paid eFunds all license, maintenance and other service fees

in accordance with this Agreement. eFunds or eFunds' auditors

shall, upon reasonable notice have the right to inspect and audit

those books, records, systems and operations of Client as

necessary for eFunds to ascertain the correctness of fees due and

paid/payable to eFunds hereunder, and for eFunds to ascertain

compliance by Client with its obligations under this Agreement.

If any audit reveals underpayment by Client, Client shall

immediately rectify same, subject to subsection 18 n) above. If

any underpayment is five percent (5%) or greater of amounts due,

Client shall bear eFunds' expenses associated with such audit.

R.  Entire Agreement.  This Agreement constitutes the

entire agreement of the parties with respect to the subject

matter hereof and supersedes all existing agreements and all

other communications, written or oral. This Agreement way not be

released, discharged or modified in any manner except in writing

signed by both parties. No purchase order or other form of the

Client will modify, supersede, add to or in any way vary the

terms of this Agreement. Any acknowledgment by an employee of

eFunds of such a Client form shall be solely for informational

purposes.

ECONNECT                             EFUNDS CORPORATION

By: /s/ Thomas S. Hughes             By: /s/ John M. Pendergast

Name: Thomas S. Hughes               Name: John M. Pendergast

(Please print or type)              (Please print or type)

Title:  Chairman & CEO               Title: Chief Financial
Officer

                              EXHIBIT A

I.  STANDARD PROGRAM LICENSE FEES

CONNEX STANDARD PRODUCTS                          LICENSE FEES

Foundation                                           $200,000

TCP/IP HCH                                             20,000

VTAM HCH                                               10,000

Deluxe 8583 ISO PI                                     50,000

System Health Monitor                                  50,000

Connex Notification System                             50,000

CrossCheck                                             45,000

FTI                                                    15,000

Settle Daily Prep                                      25,000

Settle Daily Report                                    25,000

Fee Billing                                            20,000

Binload                                                15,000

Authorization Services                                   N/C

Racal Hardware Security                                25,000

License Fee                                          $550,000

SOURCE CODE WILL NOT BE PROVIDED FOR THE FOLLOWING

CXBOMD FOUNDATION MODULES:

CXBPMD01, CXBPMD02, CXDPMD03,

CXBPMD04, CXBPMD05, CXBPMD06,

CXBPMD07, CXBPMD08, CXBPMD09,

CXBPMD10, CXBPMD13

II.  Professional Services Package                   $150,840

Professional Services Included in this Agreement

As defined in the PRA dated February 3, 2000

Final Requirements Definition (FRD)

  Non refundable fee $75,420

Development of eFunds Customization(s) per FRD

III.  Payment Schedule

A.License Fee                                        $130,000

  Due upon signing Agreement, non refundable

Total Present Value of License Fee                   $525,813

Balance of License fee invoiced in 36 monthly installments of

$14,600 with the first installment to be due and payable upon

execution of Agreement.

         Third Party Royalty Fee Monthly Transaction Volume*
Fee**

                                              1-     1,000,000
$0.0100

                                              1-     2,000,000
$0.0090

                                              1-     5,000,000
$0.0085

                                              1-    10,000,000
$0.0075

                                              1-    20,000,000
$0.0065

                                              1-    40,000,000
$0.0055

                                              1-    60,000,000
$0.0045

                                              1-    80,000,000
$0.0035

*     Drop Through Pricing

**   Royalty fees billed monthly in arrears and due net

     net thirty (30) days of invoice.

B.  Professional Services

50% or $75,420 due upon execution of Agreement.   $150,840

balance of $75,420 shall be invoiced in arrears as work is
completed

Quotes are subject to change upon completion of Functional

Requirement Definition (FRD).

Quotes based on the PRA dated February 3, 2000 is guaranteed

within twenty percent (20%) assuming the same scope of the final

quote at the completion of the FRD.

In the event quote exceeds twenty percent (20%) ($30,168 US

Dollars) both parties shall have the option to:

Accept the new price

Negotiate a mutually acceptable new price

Terminate the Agreement

IV.  Annual Maintenance Fees

Maintenance shall be invoiced and paid annually in the amount of
$93,500

V.  MAINTENANCE FEES

Annual maintenance fees for the Standard Programs/modules listed

above shall be 17% of the eFunds Standard Program license fee

(before any applicable discount is applied), invoiced and payable

monthly along with payment for license fees based on monthly

transactions- For any eFunds Customization maintained by eFunds

for Client; the annual maintenance fee for eFunds

Customization(s) shall be 20% of The custornization fees charged

by eFunds to Client, invoiced and payable monthly along with

payment for license fees based on monthly transactions.

Maintenance services and associated annual fees for any Client

Customization must be separately agreed upon in writing by eFunds

and Client

VI.  ADDITIONAL PROFESSIONAL SERVICES/MATERIALS:

Professional Services, including but not limited to Requirements

Review, Project Management Customization, Installation, Switch

Preparation and Conversion

Hourly rates:

Testing Analyst                  $160.00

Analyst                          $170.00

Consultant                       $195.00

Senior Consultant                $225.00

Principal Consultant             QUOTE

Terms:

At eFunds offices, hours billed will be only those actual hours

logged to a Client specific task. At Client designated

facilities, hours billed will be the actual hours logged at the

Client designated facilities, plus travel time with a minimum of

four (4) hours per day. Fees are payable 50% of estimated cost on

order, balance an shipment of code or completion of services.

Materials

All materials are charged at cost, payable when invoiced,

Materials include but are not limited to: travel, lodging, meals,

and shipping. eFunds Products are shipped FOB eFunds, Glendale,

Wisconsin.

                             EXHIBIT  B

               ISSUE RESOLUTION SEVERITY GUIDELINES

An incident is assessed a severity level of one (high) to five

(low) depending on the impact it has on Client's business.

Magnitude, frequency, and type of incident are considered in

assigning a severity level. The eFunds' Software Support Center

analyst may feel the incident should have either a higher or

lower severity. It is important that Client and the analyst

mutually agree on the assigned severity so the appropriate

resources can be allocated to investigate and resolve the

incident. However, the final decision on the incident's severity

level is made by eFunds.

In general terms the severity levels art defined as follows:

Severity Level I means that a major system segment is

out-of-service, an essential system function has been lost, the

system is experiencing major operational difficulties, or the

financial (or transaction servicing) integrity of the system is

being seriously compromised. When a Severity Level I incident is

reported, eFunds and Client agree to provide immediate and

continuous attention (meaning 24 X 7 work by both parties) to the

incident until it is resolved or the severity level can be

lowered.

Severity Level 2 means that the system has suffered some

significant (but not essential) functional loss, the system is

experiencing significant operational difficulties, or the system

is experiencing occasional financial (or transaction servicing)

integrity problems. When a Severity Level 2 incident is reported,

eFunds agrees to start work on the incident within one (1)

business day of notification of the incident and complete the

work, or lower the severity level of the incident within seven

(7) business days.

Severity Level 3 means that the system is performing normally,

but a functional or operational problem that requires correction

is being experienced. When a Severity Level 3 incident is

reported, eFunds agrees to start work on the incident within

seven (7) business days of notification of the incident and

complete the work, or lower the severity level of the incident

within thirty (30) business days.

Severity Level 4 means that the system is performing normally,

but a functional or operational irritant or inconvenience is

being experience& When a Severity Level 4 incident is reported,

eFunds agrees to start work on the incident within twenty-one (2

1) days of notification of the incident and complete the work, or

lower the severity level of the incident within ninety (90)

business days.

Severity Level 5 means that the system is performing normally,

but either a cosmetic irritant or inconvenience is being

experienced, or a point of information is to be made. When a

Severity Level 5 incident is reported, eFunds agrees to start

work an the incident within ninety (90) days of notification of

the incident and complete the work within one hundred and eighty

(ISO) days.

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