Document:

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                                                                   Exhibit 10.21
                           Alliance Agreement between
                        Atlantic Data Services, Inc. and
                         Brokat Financial Systems, Inc.

This Agreement is made by and between Atlantic Data Services, Inc., a
Massachusetts corporation whose principal place of business is located at One
Batterymarch Park, Quincy, MA 02169 and Brokat Financial Systems, Inc., a
Georgia corporation, whose address is 6625 The Corners Parkway, Suite 500,
Norcross, GA 30092. ADS and Brokat are collectively referred to as the
"Parties."

Atlantic Data Service (ADS) and Brokat agree to form this alliance to address
the need for e-Services and related products in the financial services vertical
market. This document outlines the general principles of cooperation in jointly
addressing this marketplace. It is intended to serve as an initial document to
set out the scope of the relationship and to enable mutually agreed development,
sales, and integration activities to proceed.

ALLIANCE OBJECTIVES:

The goal of this alliance is to help grow the ADS and Brokat businesses while
allowing each firm to concentrate on its core competencies. More specifically,
the parties expect the alliance to help them achieve the following objectives:

        ADS OBJECTIVES                           BROKAT OBJECTIVES
        --------------                           -----------------
INTEGRATION WORK: Secure direct             QUALITY INTEGRATION: Improve client
revenues through integration of             satisfaction by ensuring solid
Brokat products for financial               implementation/integration.
services institutions.

DEVELOPMENT WORK: Secure direct             PRODUCT DEVELOPMENT CAPACITY: Secure
revenues through joint development          ADS assistance with product
efforts to improve/extend Brokat            definition and enhancement, training
products.                                   development, and adaptation to the
                                            financial service arena.

SALES: Secure indirect revenues             SALES: Secure increased revenues
through lead generation - open new          through lead generation - open new
sales channels/access paths;                sales channels/access paths;
penetrate new markets; cross-sell;          penetrate a new market; strengthen
strengthen ADS position through             Brokat position through affiliation
preferred affiliation with firm of          with firm of ADS' size with 20 year
Brokat's e-services efforts.                track record.

MARKETING: Create opportunities for         BUSINESS FOCUS: Build overall
additional marketing/branding               services infrastructure including
exposure by affiliating with Brokat         outsource implementation/project
FS.                                         management by ADS to expand Brokat's
                                            delivery capacity and enable
                                            management to focus on product and
                                            business development.

ROLES/RESPONSIBILITIES:

ADS will:

-    Focus on solutions delivery and systems integration into the financial
     services market

-    Provide applications development enhancement and support to Brokat

-    Support Brokat as a strong implementation partner with a solid track record
     for getting results

-    "Stand-in" for Brokat's capability in sales situations based on our direct
     experience with product and firm

-    Provide Brokat sales team with sensible access to ADS clients where/when
     appropriate

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-    Provide Brokat sales team with training and collateral materials related to
     ADS value proposition, sales strategies, and practice offerings

-    Draft quarterly summary of alliance activity, coordinate with Brokat, and
     send to both firms' sales and management teams

-    Participate in quarterly alliance management/lead-sharing calls

BROKAT will:

-    Focus on developing, selling, and supporting e-services products for the
     financial services market

-    Refer to ADS as Brokat FS' `Preferred Systems Integrator' and jointly bid
     implementations as appropriate

-    Provide ADS sales team with training and collateral materials related to
     Brokat value proposition, sales strategies, and product features and
     benefits, and

-    Provide ADS consultants with initial technical training related to Brokat
     systems and software, and provide ADS with not-for-resale copies of
     relevant Brokat software for use in training, development, and
     demonstration purposes

-    Provide ADS with sensible access to Brokat clients where/when appropriate

-    Participate in quarterly alliance management/lead-sharing calls

COMMUNICATION:

We will jointly take the following steps to ensure that effective communication
and collaboration occur.

-    Initial joint sales strategy meeting (ADS and Brokat sales executives meet,
     share collateral materials, develop/share strategies for most effectively
     helping Brokat sell while maintaining ADS' independence, discuss specific
     opportunities, etc.)

-    Quarterly alliance management/lead-sharing call (or meeting) involving
     Business Development VPs

-    Quarterly summary of alliance activity. Written note to both sales teams
     with updates, ideas, any new collateral materials, etc.

PUBLICITY:

Public release of information related to the Alliance or business conducted
under the Alliance will be coordinated and approved in advance between the
parties prior to release. In the first instance, this should be coordinated with
the Contacts below, or other individuals designated by the Contacts.

CONTRACTUAL RELATIONSHIPS:

Services provided to Brokat directly will be covered by an ADS-Brokat
Professional Services Agreement. Services to Brokat's or ADS' clients will be
either through a subcontract arrangement or by both parties contracting directly
with the customer. In case the customer desires a single contractual vehicle for
product and integration services, the parties will use judgement on an account
by account basis to determine if Brokat is the lead (contractually
subcontracting to ADS), or ADS is the lead (contractually subcontracting to
Brokat). In the case that Brokat does subcontract to ADS and would like ADS to
work on a fixed bid basis, Brokat will consult ADS prior to quoting
implementation costs to the customer for appropriate project sizing.

ASSESSMENT & ADJUSTMENT:

The quarterly alliance management/lead-sharing call will be used to assess the
effectiveness of this alliance to ensure that (1) THE ALLIANCE IS GENERATING
REVENUES FOR BOTH PARTIES, (2) the relationship is still balanced, and (3)
communications are effective. At these meetings, the terms and tactics of the
partnership will be adjusted as necessary to ensure the alliance continues to
succeed.

TERM:

The term of this Alliance Agreement is indefinite and can be terminated by
either party through written notification to the Contacts below.

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PRODUCT RIGHTS:

All product rights, code, and add-ons to Brokat software, belong only to Brokat
unless otherwise negotiated and agreed by the Parties.

NON-SOLICIT/NON-HIRE:

In the interest of full and open cooperation, both parties agree to not solicit
nor hire each other's employees for employment opportunities during this
Alliance, and continuing for a period of six months following termination of the
Alliance.

CONFIDENTIALITY:

By the nature of this Alliance, both parties will come in contact with
confidential and business-sensitive information and will safeguard this with
appropriate care. A separate Mutual Non-Disclosure Agreement signed June 16,
1999 contains additional details on confidentiality.

CONTACTS:

Information related to this Alliance agreement should be directed to the
following individuals:

FOR ADS:                                           FOR BROKAT:
--------                                           -----------
Matthew Dorn                                       Neil Underwood
Vice President                                     Vice President
Corporate Alliances                                Sales & Marketing

IN WITNESS WHEREOF, the Parties have executed this Agreement the date first
written below.

Atlantic Data Services, Inc.                    Brokat Financial Systems

Signed  /s/ PJ Lynch                           Signed  /s/ Rick Wilson
        --------------------------                     ---------------------
P.J. Lynch                                     Rick Wilson
Executive Vice President                       General Manager
Business Development                           Sales & Services

Date:  October 27, 1999                        Date:  October 27, 1999
       ---------------------------                    ---------------------

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                                                                   Exhibit 10.22

                    Atlantic Data Services, Inc. -- Corillian
                               Alliance Agreement

This Agreement is made by and between Atlantic Data Services, Inc., a
Massachusetts corporation whose principal place of business is located at One
Batterymarch Park, Quincy, MA 02169 ("ADS") and Corillian Corporation, an Oregon
corporation, whose address is 3601 SW Murray Blvd. Suite 300, Beaverton, Oregon
97005 ("Corillian"). ADS and Corillian are collectively referred to as the
"Parties."

Atlantic Data Service (ADS) and Corillian agree to form an Alliance to offer
Internet banking solutions and other product/services to the financial services
industry. This document outlines the general principles of cooperation in
addressing the marketplace.

OBJECTIVES

Grow the ADS and Corillian businesses while allowing each firm to concentrate on
its core competencies.

ROLES

ADS will focus on:

-    solutions delivery and integration into the financial services market

-    bringing banking industry and e-commerce knowledge and expertise to close
     joint business opportunities

-    providing applications development enhancement and support (as required)

Corillian will focus on:

-    continued development of internet banking solutions

-    bringing e-commerce and application expertise to close joint business
     opportunities

RELATIONSHIP

ADS and Corillian both share strength in managing relationships with customers.
In some cases Corillian will introduce ADS to an account, in other cases it will
be ADS introducing Corillian. Both parties will use judgement on an account by
account basis to determine if Corillian is the lead (contractually
subcontracting to ADS), or ADS is the lead (contractually subcontracting to
Corillian), or both parties contract with the customer. In any case, we
anticipate both parties will be visible in the account to develop and or
maintain a relationship with the customer. In the case that Corillian does
subcontract to ADS, Corillian will consult ADS prior to quoting implementation
costs to the customer for appropriate project sizing. Best efforts will be made
to bring each other into accounts as early as possible.

TERM

The term of this Alliance Agreement is indefinite and can be terminated by
either party through written notification to the Contacts below.

COMMITMENT

While this Alliance is non-exclusive, based on the investment (training and
focus) that both ADS and Corillian are making into the relationship, both
parties agree and anticipate actively searching out joint work in a preferential
manner. This is anticipated to include sales pipeline discussion, lead sharing,
joint sales calls, and marketing programs, among other methods.

PUBLICITY

Public release of information related to the Alliance or business conducted
under the Alliance will be coordinated and approved in advance between the
parties prior to release. In the first instance, this should be coordinated with
the Contacts below, or other individuals designated by the Contacts.

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NON-SOLICIT/NON-HIRE

In the interest of full and open cooperation, both parties agree to not solicit
nor hire each other's employees for employment opportunities during this
Alliance, and continuing for a period of six months following termination of the
Alliance.

CONFIDENTIALITY

By the nature of this Alliance, both parties will come in contact with
confidential and business-sensitive information and will safeguard this with
appropriate care. A separate Mutual Non-Disclosure Agreement signed 22 July 1998
contains additional details on confidentiality.

CONTACTS

Information related to this Alliance agreement should be directed to the
following individuals:

For ADS:                                           For Corillian:
-------                                            -------------
P.J. Lynch                                         Kirk Wright
Senior Vice President, Corporate Development       President

It is anticipated that this document will be updated as appropriate as the
Alliance business opportunity evolves.

IN WITNESS WHEREOF, the Parties have executed this Agreement the date first
written below.

Atlantic Data Services, Inc.                     Corillian Corporation

Signed  /s/ PJ Lynch                             Signed  /s/ Kirk Wright
        ----------------------------                     -------------------

P.J. Lynch                                       Kirk Wright
Executive Vice President                         President
Business Development

Date:  December 17, 1998                         Date:  January 7, 1999
       -----------------------------                    --------------------

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