Document:

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                              CORILLIAN CORPORATION

                               RESELLER AGREEMENT

                  This Reseller Agreement ("Agreement") is entered into as of
January 22, 2000 (the "Effective Date"), by and between CORILLIAN CORPORATION
("Corillian"), an Oregon corporation whose principal place of business is 3855
SW 153rd , Beaverton, Oregon 97005, and PARKERS' EDGE LTD ("Partner"), or
Trustee Company (nominee) a New Zealand Company under the laws of New Zealand
whose Australian place of business is at Level 2, 79 Albert Street, Auckland,
NZ.

                                    RECITALS

                  A. Corillian develops, markets and implements software systems
which facilitate the electronic transfer of financial data and funds.

                  B. Partner distributes and implements software systems in
certain territories outside of the United States.

                  C. Corillian and Partner desire to set forth the terms and
conditions under which Partner will license Corillian software for purposes of
sublicensing and implementing the same to end users in the Territory as defined
herein.

                  THEREFORE, the parties have entered into this Agreement on the
terms and conditions set forth below.

                              TERMS AND CONDITIONS

         1.       SUBJECT OF LICENSE.

                  1.1      The following Corillian software (each separately a
"Product") is the subject of this Agreement:

                           Voyager Transaction Platform
                           HTML Banking Application
                           HTML EBPP Application
                           OFX Application
                           Small Business Application
                           AD Manager Application
                           Control Center Application

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                  1.2      Corillian further agrees to offer to Partner, subject
to the same terms and conditions of this Agreement, software it develops and
markets generally for commercial purposes subsequent to the execution of this
Agreement.

                  The foregoing, together with any applications, scripts,
templates or other software created by Corillian in the course of performing
professional servicesfor Partner or any of its sublicensees and all related
documentation, are collectively referred to as the "Products." Each of the
foregoing is separately referred to as a "System." The features and functions of
each System are described in the Product Schedule attached hereto as Exhibit 1.

                  1.3      Software which Corillian licenses from other parties
and is incorporated into, or used with, the Products ("Third-Party Software") is
also the subject of this Agreement.

         2.       GRANT OF LICENSE; LIMITATIONS.

                  2.1      Subject to the terms and conditions of this Agreement
and effective only during the term of this Agreement, Corillian grants to
Partner an exclusive and non-transferable license to sublicense and modify the
Products, in object code form only, as such Products may be modified from time
to time by Corillian, in the territory of the Australia and New Zealand(the
"Exclusive Territory"). For purposes of defining the Exclusive Territory, any
sublicense to a company headquartered in Australia or New Zealand but with
Affiliates outside of Australia and New Zealand shall be considered a sublicense
within the Exclusive Territory. The license granted herein includes the right to
sublicense the Third-Party Software.

                           2.1.1 The license granted to Partner herein includes
the right to sublicense the Products under a Corillian Utility Pricing model.
"Utility Pricing" shall mean an agreement in which the Products are leased for a
set term, with payment made on a monthly basis.

                           2.1.2 The license granted to Partner herein includes
the right to sublicense the Products under a bureau services transaction fee
pricing model. "Bureau Transaction Fee Pricing" shall mean an agreement in which
the Products are hosted by the Partner or sublicenced by the Partner and charged
on a per transaction basis for a set term, with payment made on a monthly basis.
The Parties agree to negotiate in good faith to complete a bureau transaction
fee based pricing model with thirty (30) days from execution of this Agreement.

                  2.2      Corillian agrees to negotiate in good faith with
other Reseller's to secure Partner's rights to sublicense the Products outside
the Exclusive Territory. Partner may only sublicense the Products outside the
Exclusive Territory herein defined with the written consent of Corillian.

                  2.3      Subject to Section 2.3.1, Corillian agrees not to
compete directly or indirectly with Partner in the Exclusive Territory.

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                           2.3.1 Corillian has previously granted and may grant
in the future certain license rights to the Products to companies headquartered
outside the Exclusive Territory and which provides for the right of their
Affiliates to use the software , under an enterprise-wide licence. It shall not
be considered a breach of Partners' Section 2.1 rights of exclusivity or
Corillian's Section 2.3 non-compete obligations if any such Affiliate is located
within the Exclusive Territory. "Exclusive-wide license" shall mean a license
which grants the license use of the Products to the contracting entity and all
its affiliates, either for one license fee or for separate usage fees by each
affiliate.

                                 2.3.1.1 For purposes of this Agreement, a
company shall be considered to be "headquartered" in the principal corporate
office of the controlling entity. '"Affiliate" shall mean an entity directly or
indirectly, through one or more intermediaries, controlling, controlled by or
under common control with an entity. "Control" shall mean the right to vote or
direct the voting of at least fifty percent (50%) of the common stock or other
ownership interest in the entity.

                  2.4      Partner's right to sublicense the Products is subject
to the requirement of identifying the Products as Corillian Products under the
appropriate Corillian tradename, with inclusion of any copyright, trademark or
patent notice, as Corillian shall require.

                  2.5      Except as specifically permitted in this Agreement,
Partner will not sublicense, sell, rent, lease, give, transfer, assign, convey
or otherwise dispose of, any portion of the Products or any Third-Party
Software.

                  2.6      Except as permitted in this Agreement, Partner shall
not reproduce, modify, enhance, print, display or copy the Products, or any
Third-Party Software, in any form without the prior written consent of
Corillian.

                  2.7      Except as permitted under the Copyright Act 1968,
Partner will not attempt to reverse engineer, disassemble or decompile the
Products or any Third-Party Software, or otherwise attempt to discover any
source code or trade secret.

                  2.8      Partner may integrate other software or applications
with a Product only with the prior written consent of Corillian, which shall not
be unreasonably withheld.

                  2.9      Partner will not sublicense or offer to sublicense
any software which competes with any of the Products without the prior written
consent of Corillian, which shall not be unreasonably withheld. For purposes of
this paragraph, software shall be considered to "compete" with a Product if it
a) is substantially similar in functionality or purpose and b) is sold, licensed
or leased to the same or similar customers. 2.9.1 Partner may continue to
support current installations of software which may be competitive with the
Products.

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         3.       RIGHTS TO RESELL ONESOURCE-TM- DATA ACQUISITION SERVICES

                  3.1      Subject to the terms and conditions of this Agreement
and effective only during the term of this Agreement, Corillian further grants
to Partner the exclusive and non-transferable right to resell in the Exclusive
Territory OneSource Data Acquisition Services (the "Services"), more
specifically defined in Section 3.0 of the Product Schedule, attached hereto as
Exhibit 1, and the nonexclusive and non-transferable right to resell the
Services in the territory of Asia (the "Non-Exclusive Territory").3.2 Partner
may license the OneSource software, in conjunction with the Voyager Transaction
Processor, from Corillian for purposes of hosting the Services and reselling the
same to customers within the Exclusive or Non-Exclusive Territory. In the event
of such license, the parties will work in good faith to develop the operational
and service requirements of each party. Partner may sublicense the OneSource
software, in conjunction with the Voyager Transaction Processor, to a
third-party vendor or joint venture partner for hosting of the Services in the
Exclusive or Non-Exclusive Territory with the prior written consent of Corillian
which will not be unreasonably withheld. Partner may integrate other software to
the Voyager Transaction Processor in conjunction with the hosting of the
OneSource software for purposes of reselling the same in the Exclusive or
Non-Exclusive Territory with Corillian's prior written consent, which shall not
be unreasonably withheld.

         4.       TERM OF AGREEMENT.

                  4.1      This Agreement shall commence on the Effective Date,
and shall continue for an initial term of three (3) years, unless sooner
terminated as provided herein (the "Initial Term"). Subject to the Partner
meeting the Annual Revenue Commitments described in Section 5.3, upon expiration
of the Initial Term the Agreement shall renew for another two (2) year term but
with Partner's license rights amended to a nonexclusive basis (the "Renewal
Term"). Upon expiration of the Renewal Term, the parties shall negotiate in good
faith the terms and conditions for a new Reseller Agreement.

                  4.2      During the term of this Agreement, Partner may enter
into Utility and Bureau Services pricing agreements for the Products and
Services with customers that extend beyond the term of this Agreement.

                  4.3      Upon termination or expiration of the term of this
Agreement, Corillian will continue to support the Products sublicensed by
Partner or leased under a Utility Pricing or Bureau Services model provided that
the Sublicensee continue under - support agreements for the Products and Partner
continues to pay the support fees owed pursuant to this Agreement, however,
Corillian reserves the right to discontinue support for any Product upon twelve
(12) months notice to Partner.

         5.       LICENSE AND SERVICE FEES.

                  5.1      Partner shall pay Corillian a percentage of the list
price described in the Product Schedule, or such other price mutually agreed to
by the parties, for each license purchased of the Product or Products or for
Services sold, according to the following schedule:

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Annual Aggregate License or Services Revenues      % fee owed to Corillian

                  $0-$999,999                      [ * ]

                  $1,000,000-$1,999,999            [ * ]

                  $2,000,000-$3,999,999            [ * ]

                  $4,000,000-                      [ * ]

                  5.2      Partner agrees to commit to producing annual
aggregate revenues to Corillian according to the following schedule (the "Annual
Revenue Commitments"):

                           Year 1              [ * ] USD

                           Year 2              [ * ] USD

                           Year 3              [ * ] USD

                           The Annual Revenue Commitments shall equal the fees
paid by Partner to Corillian in a given year pursuant to Section 5.1 and
Section 11.3, provided, however, that for contracts entered into by Partner
under any mutually agreed to Utility or Bureau Service Pricing Model, Partner
shall be given credit toward the Annual Revenue Commitment for the present value
of the full contract commitment.

                           5.2.1 By 31 August 2000, Partner agrees to reach
fifty  percent (50%) of the Year 1 Annual Revenue Commitment. In the event
that Partner fails to reach this goal, Partner agrees to pay Corillian within
twenty (20) business days and upon receipt of invoice from Corillian, the
difference between the fees it has paid Corillian pursuant to Section 5.1 and
Section 11.3 and the 31 August 2000 goal.

                           5.2.2 In the event that Partner fails to reach any of
the Annual Revenue Commitments, Partner agrees to pay Corillian the
difference between the fees it has paid Corillian pursuant to Section 5.1 and
Section 11.3 for that year and that year's Annual Revenue Commitment within
twenty (20) business days of receipt of final invoice from Corillian.

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*Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

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         6.       ORDERING LICENSES OF PRODUCTS OR SERVICES; PAYMENT TERMS.

                  6.1      For each licensed purchased of a Product or Service,
     Partner shall send Corillian an Order listing the Product or Products to be
     licensed or Service sold, the number of user blocks requested, the pricing
     model (e.g. Purchase or Utility Pricing), the customer to whom Partner will
     sublicense the Product or resell the Service, and the customer's address.

                  6.2      Partner shall pay Corillian the Section 5 fees (i)
for any licenses purchased within thirty (30) days of receipt of invoice from
Corillian and (ii) for any utility priced licenses or Services on a prospective
quarterly basis within thirty (30) days of the commencement of service for that
quarter and (iii) for any transaction based fees on a arrears quarterly basis
within thirty (30) days after conclusion of each quarter..

                  6.3      Any Section 5 fees for Product pricing or Services
that includes Transaction Fees shall be payable within fifteen (15) business
days of the end of the month of service. "Transaction Fees" shall mean fees
assessed a customer of Partner pursuant to a Utility or Bureau Service pricing
model for each instance of a transaction supported by the Product or Services.

         7.       TAXES.

                  7.1      Subject to Clause 7.3, Partner will pay all sales,
use and excise taxes, any export or import taxes or tariffs and any other
assessments in the nature of taxes however designated, on the Products or their
license or use, on or resulting from this Agreement or on any amount payable for
any services furnished in connection with this Agreement, other than taxes based
on Corillian's net income.

                  7.2      Partner shall be responsible for collecting and
remitting any taxes on sales to Partner's customers.

                  7.3      Partner may withhold any taxes from the fees it owes
to Corillian pursuant to Section 4 if required by international treaty between
Australia and the United States.

         8.       REPORTS; RIGHT TO AUDIT.

                  8.1      Corillian shall have the right to audit, at its
expense, Partner's books and records concerning Partner's obligations to pay the
Section 5 fees and to include the required contract provisions (discussed in
section 17 below) in its sublicenses. Corillian may conduct such audits from
time to time, but no more frequently than once every six (6) months, during
normal working hours and with reasonable advance written notice to Partner.
Corillian may exercise its audit right through an agent. If any audit determines
that Partner has underpaid Corillian by an amount greater than five percent (5%)
of the payments due Corillian during the period being audited, then Partner will
bear the reasonable cost of such audit, in addition to its

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obligations to make immediate full payment of the underpaid amount, together
with interest of one and one-half percent (1.5%) per month.

         9.       TRAINING.

                  9.1      At Corillian's expense, Corillian shall provide
staff designated by Partner one-week of product implementation, sales and
product support training at Corillian's headquarters. Partner shall be
responsible for its own out-of-pocket expenses incurred in training.

                  9.2      Partner may request additional training, and
Corillian agrees to provide Partner with such additional training at the rate of
$1500 per day. Partner agrees to reimburse Corillian for reasonable
out-of-pocket expenses for any such additional training, including but not
limited to travel, lodging, meals, telecommunications, shipping, materials, and
other related costs, payable within fifteen (15) days of receipt of invoice.

         10.      INSTALLATION AND IMPLEMENTATION.

                  10.1     Partner shall, at its cost and expense, install and
implement the System or Systems for all its sublicensees.

                  10.2     Partner shall have no obligation to Corillian for
fees derived from implementation or other professional services provided to its
sublicensees.

         11.      MAINTENANCE AND SUPPORT.

                  11.1     Corillian will provide to Partner alone maintenance
and support for the then-current version of the Products pursuant to the
Maintenance Terms found in Exhibit 2 attached hereto.

                  11.2     Partner shall provide maintenance and support to all
Sublicensees.

                  11.3     Partner shall pay Corillian an annual maintenance
fee of [ * ] percent ([ * ]%) of the aggregate license fees (less goods and
services taxes) paid by Partner's Sublicensees For each Sublicensee, the first
such maintenance fee shall be paid upon initial acceptance of the Product or
Products by such Sublicensee and the subsequent annual maintenance fee shall be
paid 1.25 years from the initial acceptance and on each subsequent anniversary
of that date, provided such Sublicensee has renewed its maintenance contract
with Partner.

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*Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Commission.

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         12.      PROPRIETARY RIGHTS.

                  12.1     Corillian retains and reserves title and all
ownership rights to the Products. Subject to the terms of this Clause, all
general modifications, enhancements and releases as well as modifications and
enhancements made by Corillian to Products specifically for Partner shall be
considered as part of the Products and owned by Corillian. Any scripts or
interfaces developed by Corillian in the course of performing professional
services- for Partner shall be jointly owned by the parties, and both parties
shall have the right to transfer interests in the same without recourse to the
other party for payment of any fees. Modifications and enhancements, as well as
specifications, designs and code, made by Partner to Products shall be owned by
Partner, but such ownership in the code shall only encompass the specific code
modification or enhancement and does not include any of the underlying code to
the Products. All physical documents and media (if any) containing Products sent
to Partner shall be deemed to be leased and not sold and their use licensed.
Partner acknowledges that this Agreement conveys a limited license, as expressed
in this Agreement, and does not convey title or any ownership rights to the
Products.

                  12.2     In the event that the parties jointly develop custom
software or applications, then the Intellectual Property rights of the software
or applications shall be mutually agreed to under a separate written agreement.

                  12.3     Partner will not delete or in any manner alter the
notices of intellectual property rights of Corillian (or of the vendor of any
Third-Party Software licensed through Corillian) appearing on or resulting from
use of the Products delivered to Partner. As a condition of the license rights
granted to Partner in this Agreement, Partner will reproduce and display such
notices on each copy it makes of any Product.

         13.      CORILLIAN'S WARRANTIES; PARTNER'S REMEDIES; LIMITATION OF
LIABILITY.

                  13.1     Corillian represents and warrants to Partner as
follows:

                           13.1.1 That Corillian has the authority to grant the
license provided herein, and that the grant of such license does not
violate any other agreement to which Corillian is a party.

                           13.1.2 That the Products, when properly installed and
when properly used, will perform the functions described in the Product
Schedule attached as Exhibit 1 for a period of ninety (90) days after initial
installation at each Sublicensee. However, Corillian does not warrant that the
Products will operate uninterrupted or error-free.

                           13.1.3 That the Products provided pursuant to this
Agreement and used by Partner and its Sublicensees prior to, during or after
the calendar year 2000 include or shall include, at no additional cost to
Partner, design and performance capabilities so that Partner and Sublicensees
shall not experience abnormally ending and/or invalid and/or incorrect results
from their use. Furthermore, Corillian represents and warrants that the Products
will under normal use

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and service, record, store, process and present calendar dates falling on or
after January 1, 2000, in the same manner, and with the same functionality, data
integrity and performance, as the Products record, store, process and present
calendar dates on or before December 31, 1999. Corillian warrants that the
Products will lose no functionality with respect to the introduction of records
containing dates falling on or after January 1, 2000.

                           13.1.4 Corillian warrants that the Products do
not contain any programs, routine, device or other undisclosed feature,
including, without limitation, a time bomb, "time-out" feature, virus, software
lock, drop dead device, malicious logic, worm, Trojan horse, or trap door, which
is designed to delete, disable, deactivate, interfere with or otherwise harm the
Products or hardware on which the Products reside, data or other programs, or
which is intended to provide unauthorized access or produce unauthorized
modifications (collectively, "disabling procedures"). Notwithstanding any other
limitations in this Agreement, Corillian agrees to notify Partner immediately
upon discovery of any disabling procedures which are or may be included in the
Products. If disabling procedures are discovered or reasonably suspected to be
present in any of the Products, Corillian agrees to take action immediately, at
its own expense, to identify and eradicate such disabling procedures.

                           13.1.5 The warranties provided in sections 13.1.1,
13.1.2, 13.1.3 and 13.1.4 shall not apply if (i) the Products are used other
than in accordance with Corillian's instructions, (ii) the Products are altered,
modified or converted by Partner or Sublicensee without the written approval of
Corillian which shall not be unreasonably withheld and shall be deemed to have
occurred if Corillian does not respond to a notification with 14 days, (iii) the
Products do not perform because data communication is interrupted by the action
or inaction of Partner, Sublicensees or a third party; or (iv) any other cause
within the control of Partner or Sublicensees shall cause the alleged breach.

                  13.2     OTHER THAN AS EXPRESSLY STATED IN THIS AGREEMENT,
CORILLIAN MAKES NO OTHER WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT
TO THE PRODUCTS OR ANY SERVICES PROVIDED IN CONNECTION WITH THIS AGREEMENT,
INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY AND
FITNESS FOR A PARTICULAR PURPOSE.

                  13.3     The vendors of Third-Party Software make no
representations or warranties, express or implied, to Partner (or to
Sublicensees).

                  13.4     Corillian makes no representations or warranties to
Sublicensees.

                  13.5     Partner's remedies for breach of warranty are as
follows:

                           13.5.1 In all situations involving performance or
non-performance of the Products, Corillian's liability and Partner's remedy
shall be limited to having Corillian promptly and in accordance with the Voyager
Products Maintenance Terms, attached hereto as Exhibit 2,

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replacement Products or code corrections or other services (including a
workaround) as required to enable the Products to perform the functions
described in the Product Schedule. If after 30 days Corillian is unable to make
the Products operate as warranted, Partner may terminate this Agreement and the
license granted hereunder and receive a refund of the license fees paid by
Partner for the Product or Products or may seek any other form of non-monetary
relief otherwise available to it under law.

                  13.6     UNDER NO CIRCUMSTANCES SHALL EITHER PARTY BE LIABLE
FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN
CONNECTION WITH THE USE OF THE PRODUCTS OR ANY OTHER ASPECT OF THIS AGREEMENT,
INCLUDING LOST REVENUES OR PROFITS, LOSS OF BUSINESS, OR LOSS OF DATA,
REGARDLESS OF WHETHER A CLAIM IS BASED ON CONTRACT, TORT, OR OTHERWISE, EVEN IF
THE PARTY WAS ADVISED OR HAD REASON TO KNOW OF THE POSSIBILITY THEREOF.

                           13.6.1 THE FOREGOING LIMITATION SHALL NOT APPLY TO
DAMAGES INCLUDED IN AN AWARD AGAINST EITHER PARTY RESULTING FROM (i) ANY CLAIMS
FOR PERSONAL INJURY OR DEATH; (ii) ANY CLAIMS BASED ON VIOLATION OF EITHER
PARTY'S INTELLECTUAL PROPERTY RIGHTS.

                  13.7     EXCEPT AS PROVIDED IN SECTION 13.6.1, PARTNER'S
LIABILITY TO CORILLIAN SHALL BE LIMITED TO THE ANNUAL REVENUE COMMITMENT FOR THE
YEAR IN WHICH A CAUSE OF ACTION FOR BREACH OF THIS AGREEMENT SHALL HAVE
OCCURRED.

                  13.8     THE PARTIES HAVE AGREED THAT THE LIMITATIONS
SPECIFIED IN THIS SECTION THIRTEEN WILL SURVIVE AND APPLY EVEN IF ANY LIMITED
REMEDY SPECIFIED IN THIS AGREEMENT IS FOUND TO HAVE FAILED OF ITS ESSENTIAL
PURPOSE.

         14.      INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS; INDEMNIFICATION.

                  14.1     Corillian agrees to defend, indemnify and hold
harmless Partner against any claims, liabilities, losses, damages, costs and
expenses (including reasonable attorneys' fees) arising from any claim that the
Products, as used within the scope of this Agreement, infringe copyright, patent
or other intellectual property rights of a third party.

                  14.2     In the case of any claim arising under this section
13, (i) Partner shall notify Corillian in writing within thirty (30) days of
receipt of written notice of any such claim, (ii) Corillian shall have control
of the defense and all related negotiations, including settlement negotiations,
and (iii) Partner shall provide Corillian with reasonable assistance,
information and authority necessary to perform the above obligations. Reasonable
out-of-pocket expenses incurred by Partner in providing such assistance will be
reimbursed as promptly as practicable by Corillian.

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                  14.3     If Partner's use or sublicense of any Products under
the terms of this Agreement is, or in Corillian's opinion is likely to be,
enjoined due to infringement or misappropriation claims, then Corillian may, at
its sole option and expense, either: (i) procure for Partner the right to
continue using or sublicensing such Products under the terms of this Agreement;
(ii) replace or modify such Products so that they are non-infringing and
substantially equivalent in function; or (iii) if options (i) or (ii) above
cannot be accomplished despite the reasonable efforts of Corillian, then
Corillian may both:

                           14.3.1 Terminate Partner's rights and Corillian's
obligations under this Agreement with respect to such Products, and

                           14.3.2 Refund to Partner the license fees paid by
Partner to Corillian.

                  14.4     Corillian shall have no obligations under this
section 14 with respect to infringement or misappropriation arising from (i)
modifications to the Products that were not authorized by Corillian, (ii)
Product specifications requested by Partner, unless approved by Corillian, (iii)
the use of the Products in combination with products not provided by Corillian,
unless Corillian has been given prior written notice of such use and has
approved it, which shall not be unreasonably withheld in accordance with Clause
2.8,, or (iv) the negligence or willful misconduct of Partner.

         15.      EXPORT RESTRICTIONS.

                  This Agreement is expressly made subject to all laws,
regulations, and orders relating to, or other restrictions on, the export of the
Products from the United States of America, which may be imposed from time to
time. Except within the Exclusive Territory and with the prior written consent
pursuant to paragraph 3.2 in the Non-Exclusive Territory, Partner may not export
or re-export the Products, including Third-Party Software, or Corillian's
Confidential Information.

         16.      CONFIDENTIAL INFORMATION.

                  16.1     Corillian and Partner agree that the Products,
including but not limited to computer programs, user manuals, technical
reference manuals, other documentation, generated output, enhancements,
modifications and further releases, together with related research and
technoPartnerl information, business strategies and business information
(collectively "Corillian's Confidential Information"), constitute valuable
proprietary products and trade secrets which require protection against
unauthorized use, reproduction, distribution or disclosure. To protect
Corillian's Confidential Information, Partner agrees to take the measures listed
below.

                           16.1.1 Partner agrees to protect and preserve
Corillian's Confidential Information.

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                           16.1.2 Partner agrees to take all reasonable
precautions to prevent any portion of Corillian's Confidential Information, in
any form or medium, from being disclosed or made available by Partner or by any
of Partner's employees or agents to any other person, firm, or corporation
except as is expressly permitted herein. In no event shall Partner take
precautions any less stringent than those employed to protect its own trade
secrets and proprietary information.

                           16.1.3 Partner shall limit access to Corillian's
Confidential Information to employees of Partner and consultants who have
entered into a binding written agreement with Partner to maintain the
confidentiality of Corillian's Confidential Information and who must have access
in order for Partner to utilize the Products in the manner intended by this
Agreement.

                           16.1.4 Partner agrees to ensure that the consultants
and others who are given access to Corillian's Confidential Information
comply with the terms of this Agreement and do not remove, copy or otherwise
misappropriate Corillian's Confidential Information or any portion thereof.

                           16.1.5 Partner shall promptly notify Corillian of any
instance of unauthorized use or disclosure of any portion of Corillian's
Confidential Information and shall cooperate with Corillian in any action
relating thereto.

                           16,1.6 Partner acknowledges that (i) the restrictions
contained in this Agreement are reasonable and necessary to protect
Corillian's proprietary interest in Corillian's Confidential Information, (ii)
remedies at law will be inadequate and any violation of these restrictions will
cause irreparable damage to Corillian not compensable in monetary damages and
(iii) Corillian will be entitled to injunctive relief against each violation.

                           16.1.7 Upon Corillian's request or upon termination
of this Agreement, Partner shall return Corillian's Confidential Information
in Partner's possession or control.

                           16.1.8 Notwithstanding the above, Partner shall
cooperate with governmental regulatory agencies as required by law. Immediately
upon becoming aware that any of Corillian's Confidential Information is being
sought by governmental agencies, Partner shall, prior to making any disclosure,
notify Corillian in writing. Conditioned upon such prior written notice, Partner
may allow such agencies full and complete access to Corillian's Confidential
Information within Partner's possession or control. Partner shall bear no
responsibility for such disclosure to such governmental agencies, but Partner
shall in any event give written notice to Corillian prior to making any such
disclosure.

                           16.1.9 The obligations of Partner set forth in this
section 16.1 shall survive the termination of this Agreement.

                  16.2     Corillian and Partner agree that certain data
relating to Partner's business, including but not limited to proprietary
information of Partner such as customer lists, customer financial data, trade
secrets and intellectual property (collectively "Partner's Confidential

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Information") constitute valuable proprietary information and trade secrets
which require protection against unauthorized use, reproduction, distribution or
disclosure. To protect Partner's Confidential Information, Corillian agrees to
take the measures listed below.

                           16.2.1 Corillian agrees to protect and preserve
Partner's Confidential Information.

                           16.2.2 Corillian agrees to take all reasonable
precautions to prevent any portion of Partner's Confidential Information, in any
form or medium, from being disclosed or made available by Corillian or by any of
Corillian's employees or agents to any other person, firm, or corporation except
as is expressly permitted in this Agreement. In no event shall Corillian take
precautions any less stringent than those employed to protect its own trade
secrets and proprietary information.

                           16.2.3 Corillian shall limit access to Partner's
Confidential Information to employees of Corillian and consultants who have
entered into a binding written agreement with Corillian to maintain the
confidentiality of Partner's Confidential Information and who must have access
in order for Corillian to utilize Partner's Confidential Information in the
manner intended by this Agreement.

                           16.2.4 Corillian agrees to ensure that the
consultants and others who are given access to the Confidential Information
comply with the terms of this Agreement and do not remove, copy or otherwise
misappropriate Partner's Confidential Information or any portion thereof.

                           16.2.5 Corillian shall promptly notify Partner of any
instance of unauthorized use or disclosure of any portion of Partner's
Confidential Information and shall cooperate with Partner in any action relating
thereto.

                           16.2.6 Corillian acknowledges that (i) the
restrictions contained in this Agreement are reasonable and necessary to protect
Partner's proprietary interest in Partner's Confidential Information, (ii)
remedies at law will be inadequate and any violation of these restrictions will
cause irreparable damages and (iii) Partner will be entitled to injunctive
relief against each violation.

                           16.2.7 Upon request of Partner or upon termination of
this Agreement, Corillian shall return Partners Confidential Information
in its possession or control to Partner unless such return would interfere with
Corillian's otherwise authorized use of Partner's Confidential Information.

                           16.2.8 Notwithstanding the above, Corillian shall
cooperate with governmental regulatory agencies as required by law.
Immediately upon becoming aware that any of Partner's Confidential Information
is being sought by governmental agencies, Corillian shall, prior to making any
disclosure, notify Partner in writing. Conditioned upon such prior written
notice, Corillian may allow such agencies full and complete access to Partner's

                                      -13-

<PAGE>

Confidential Information within Corillian's possession or control. Corillian
shall bear no responsibility for such disclosure to such governmental agencies,
but Corillian shall in any event give written notice to Partner prior to making
any such disclosure.

                           16.2.9 The obligations of Corillian set forth in
this section 16.2 shall survive the termination of this Agreement.

         17.     SUBLICENSE TERMS.

                  17.1     Partner and its Sublicensees shall use a written
sublicense agreement for the sublicense of all Products. The sublicense
agreement shall include, at a minimum, the following terms:

                           17.1.1 Sublicensee will receive a nontransferable,
nonexclusive sublicense to use and modify the Products.

                           17.1.2 Sublicensee may copy the Products only for
archival or backup purposes.

                           17.1.3 Sublicensee will not disclose or make
available the Products to any person or entity other than employees, contractors
or affiliates who are obligated to keep it confidential.

                           17.1.4 Except as provided under the Copyright Act of
1968, Sublicensee will not reverse engineer, disassemble or decompile the
Products, or otherwise attempt to discover any source code or trade secret
related to the Products.

                           17.1.5 Sublicensee will not further sublicense, sell,
rent, lease, give, transfer, convey, assign or otherwise dispose of any
portion of the Products.

                           17.1.6 Except as authorized within the Exclusive
Territory, Sublicensee will not export the Products.

                           17.1.7 Sublicensee will acknowledge that it obtains
rights under a sublicense agreement only, and that no title to the Products
or related proprietary rights is transferred to Sublicensee.

                           17.1.8 Terms substantially similar to those set
forth in section 16.1 above which require Sublicensee to maintain the
confidentiality of Corillian's Confidential Information.

                           17.1.9 The Sublicensee Agreement shall not contain
any terms that impose any warranty or performance obligations on Corillian
other than the limited warranties and representations made by Corillian in this
Agreement.

                                      -14-
<PAGE>

         18.      TERMINATION.

                  18.1     Corillian may, in its sole discretion, terminate
this Agreement and the license granted hereunder at any time (a) immediately if
Partner fails to meet its obligations under Section 5.2.1 or 5.2.2, (b)
immediately if Partner is more than 60 days past due on any other payment of
fees under Section 5, (c) immediately if Partner fails to achieve seventy
percent (70%) of any of the Annual Revenue Commitments required under Section
5.2 or (d) thirty (30) days after Corillian notifies Partner in writing of any
other material breach by Partner, provided such breach remains uncorrected
thirty (30) days following receipt by Partner of written notification thereof.
In the event of termination, Partner shall receive no refund of any licensee fee
or other charges paid hereunder.

                  18.2     Partner may terminate this Agreement upon thirty
(30) days' prior written notice if Corillian (a) is the subject of an order for
relief under Chapter VII of the Bankruptcy Code, (b) is operated by a receiver,
custodian, trustee or liquidator, (c) is liquidated or (d) thirty (30) days
after Partner notifies Corillian in writing of any other material breach by
Corillian, provided such breach remains uncorrected thirty (30) days following
receipt by Corillian of written notification thereof.. In the event of a
termination pursuant to this section 18.2, Partner may retain and continue to
sublicense the use of all Products to existing customers or or, in the
alternative, may return to Corillian all un-deployed Product licenses for full
refund.

                  18.3     That Partner may, in its sole discretion, at the
expiration of each year a) terminate the Agreement after ninety days (90) days
notice, or b) terminate the exclusive arrangement after ninety (90) days notice,
however continue to sell, support and distribute Corillian Products on a
non-exclusive basis for the term of the Agreement. In the event that Partner
shall exercise its rights pursuant to this paragraph, then Partner shall be
relieved of any obligation with respect to any Annual Revenue Commitments for
subsequent years.

         19.      ARBITRATION.

                  All disputes and controversies arising out of or in any way
related to this Agreement, including the exhibits, shall be submitted to
arbitration proceedings to be conducted under the Commercial Rules then
prevailing of the American Arbitration Association by a panel of three
arbitrators. Corillian and Partner shall modify the time schedules provided
under such rules and shall use their best efforts to meet deadlines such that
the arbitration is concluded within ninety (90) days following its initiation.
The decisions of the arbitrators shall be final and binding for all purposes on
Corillian and Partner and may be entered and enforced in any court of competent
jurisdiction.

                                      -15-

<PAGE>

         20.      AUTHORITY; COMPLIANCE WITH LAW.

                  Corillian and Partner each represent and warrant that (i) it
has the power and authority to enter into this Agreement and has taken all
necessary corporate action to authorize its performance under this Agreement,
(ii) this Agreement, when executed and delivered, will constitute a legal, valid
and binding obligation of it, enforceable in accordance with this Agreement's
terms, (iii) no consent or authorization of, filing with, or notice to any
governmental authority is required in connection with its performance under this
Agreement, and (iv) its entering into this Agreement or performance by it
hereunder will not violate any federal, state or local licensing or other
statute, rule or regulation, or any contractual obligation of it. Corillian and
Partner each agree to comply with all applicable laws, rules and regulations in
connection with its activities under this Agreement.

         21.      FORCE MAJEURE.

         Neither Corillian nor Partner shall be held liable for failure to
fulfill its obligations hereunder if such failure is due to a natural calamity,
act of government, or similar cause beyond the control of either Corillian or
Partner. Notwithstanding the foregoing, unless agreed to in writing by the
non-defaulting party, any delay exceeding ninety (90) days shall be grounds for
termination by the non-defaulting party if such delay is not cured within thirty
(30) days of written notice of the non-defaulting party's intent to terminate.

         22.      SEVERABILITY.

         If any provision of this Agreement is held by a court of competent
jurisdiction to be invalid or unenforceable, that provision will be enforced to
the maximum extent permissible and the remaining provisions of this Agreement
will remain in full force and effect.

         23.      NOTICES.

                  All notices, reports, instructions, requests, and other
communications given under this Agreement shall be in writing and shall be
deemed to have been given or made (i) if by mail, when received by certified
mail, postage prepaid, return receipt requested; or (ii) if by facsimile, when
sent by facsimile to the facsimile number set forth below with evidence of
receipt by sender or (iii) if by courier, when received; provided, however, that
either party may change its address or facsimile number for notices by providing
notice to the other party of such change in the manner provided herein. Notices
shall be directed to the following addresses or facsimile numbers:

                  TO CORILLIAN:       Corillian Corporation
                                      3855 S.W. 153rd
                                      Beaverton,  OR  97006
                                      Telephone:  (503) 627-0729
                                      Facsimile:  (503) 469-6459
                                      Attention:  Thomas Brooke

                                      -16-

<PAGE>

                  TO PARTNER:         Parkers' Edge LTD
                                      Level 4,  55 Sussex St.,
                                      Sydney, NSW 2000.
                                      Telephone:  +61-2-9249-8900
                                      Facsimile:  +61-2-9279-0933
                                      Attention:  Janet Parker

         24.      GENERAL GOVERNING LAW; JURISDICTION.

                  This Agreement shall be interpreted, construed and enforced
under the laws of the State of Oregon without reference to its choice of law
rules. Corillian and Partner each consent to having Multnomah County, Oregon
USA, and the courts of Sydney, Australia as venues for resolution of any
disputes and controversies. .

         25.      GENERAL.

                  25.1     The failure at any time by either Corillian or
Partner to enforce, or to exercise any election under, any provision of this
Agreement will not be construed as a waiver of such provision or election, or in
any way as affecting the validity of this Agreement or any part thereof, or the
right of either Corillian or Partner thereafter to enforce, or to exercise any
election under, each and every provision of this Agreement.

                  25.2     The parties may not assign this Agreement, or their
rights under this Agreement, whether voluntarily, involuntarily or by operation
of law, to any other person or entity without the other party's prior written
consent, which shall not be unreasonably withheld.

                  25.3     Subject to paragraph 25.2, this Agreement shall be
binding in all respects on each party's successors and assigns.

                  25.4     A finance charge of one and one-half percent (1.5%)
per month will be assessed on all payments owed by Partner to Corillian that are
past due. All payments shall be made by wire transfer to Corillian's bank
account:

                  US Bank
                  ABA # 123000220
                  Corillian Corporation
                  Account #153691165606

                  25.5     No amendment of this Agreement shall be binding
unless it is in writing and signed by both Corillian and Partner.

                  25.6     This Agreement may be executed in counterparts, each
of which shall be deemed an original but all of which shall together constitute
one and the same Agreement.

                                      -17-

<PAGE>

                  25.7     This Agreement does not create, and shall not be
construed to create, any joint venture or partnership between Corillian or
Partner. No officer, employee, agent, servant or independent contractor of
either Corillian or Partner shall be at any time be deemed to be an employee,
servant, agent or contractor of the other for any purpose. Corillian and Partner
are independent contractors, not employees, agents or representatives of each
other. Neither Corillian nor Partner has the right to bind the other to any
agreement except as may be specifically provided herein.

                  25.8     In the event of any dispute arising out of the
subject matter of this Agreement, the prevailing party shall recover, in
addition to any other damages assessed, its reasonable attorneys' fees,
arbitration and court costs incurred in arbitrating, litigating, or otherwise
settling or resolving such dispute.

                  25.9     This Agreement, including the exhibits, constitutes
the entire agreement between Corillian and Partner with respect to the subject
matter hereof and supersedes all prior discussions, negotiations, communications
and agreements, oral or written, relating to the subject matter hereof. Each
Exhibit is incorporated by reference. If there exists any inconsistency with
this Agreement and the Exhibits, then the terms of this Agreement shall prevail
for purposes of resolving the inconsistency.

                  25.10    Each party represents that it has read this
Agreement, understands its terms and conditions and agrees to be bound by
this Agreement, and that the person signing on behalf of each such party is
duly authorized to sign this Agreement on behalf of the party for which s/he
signs and to bind that party to the terms and conditions of this Agreement.

PARKERS' EDGE LTD.                             CORILLIAN CORPORATION

By                                             By
  ---------------------------------------        -----------------------------
    Janet Parker, Managing Director                Ted Spooner, CEO

Date                                           Date
    -------------------------------------          ---------------------------

                                      -18-
<PAGE>

                                    EXHIBIT 1

                              CORILLIAN CORPORATION
                            VOYAGER PRODUCT SCHEDULE

1.       PRODUCTS

The following products, as modified for Partner's use, have been licensed to
Partner pursuant to the Agreement:

              Voyager Transaction Platform
              HTML Banking Application
              HTML EBPP Application
              OFX Application
              Small Business Application
              AD Manager Application
              Control Center Application

Each of the foregoing is referred to as a "Component". The foregoing Components
together with any applications, scripts, templates or other software created by
Corillian in the course of performing implementation or other professional
services for Client as well as all product documentation, if any, in electronic
or hard copy formats, all related technical information, and all updates and
enhancements thereto are collectively referred to as the "Products."

2.       FEATURES AND FUNCTIONS

         2.1 The Voyager Transaction Processing System will have the features
             and perform the functions described below:

                  Core transaction processing of all Application data requests
                  Host Mainframe Connectivity Protocol:
                      TCP/IP
                  Host Data Interface Specification:
                        Connection to host

         2.2 The HTML Banking Application will have the features and perform
             the functions described below:

                  User Interface Front-end:
                      HTML

                                      -19-

<PAGE>

                  Banking Transactions, including:
                      PIN authentication
                      Customer account balances
                      Customer account history
                      Intrabank funds transfer
                      E-Mail (secure messaging)
                      Administration and support tools
                       Transaction history download

         2.3 The HTML EBPP Application will have the features and perform the
             functions described below:

                      Bill payment acquisition
                      Payee and payment management
                      Payment history
                      Bill presentment

         2.4 The OFX Application will have the features and perform the
             functions described below:

                  User Interface Front-end:
                        OFX Compliant PFM Applications
                  OFX Banking and Bill PayTransactions, including:
                        Sign On
                        Account balances
                        Bank inquiry
                        Intrabank funds transfer
                        Account information
                        Enrollment request
                        Financial institution profile
                        Services change
                        Bill payment acquisition

         2.5 The Small Business Application will have the features and perform
             the functions described below:

                      Voyager Transaction Processing System
                      Voyager OFX Server
                      Voyager Administration Tool
                      Voyager Support Center
                      Bill Pay Support
                      Online Enrollment
                      Account Balance & History
                      History Search by Check Number or Transaction Amount

                                      -20-

<PAGE>

                      Online Transfer between accounts
                      PIN Change
                      Password Change
                      Quicken & Money Download
                      Request Stop Payment
                      Access Control

         2.6 The Ad Manager Application will have the features and perform the
             functions described below:

                      Campaign targeting in real time
                      Setup advance campaigns
                      Weight campaign messages
                      Run simultaneous campaigns
                      Support for data mining
                      Support for multiple marketing indicators
                      Presentation of messaging across multiple delivery
                        channels

         2.7 The Control Center Application will have the features and perform
             the functions described below:

                  Report Center
                      Bill Pay Reports
                      Unfunded Payments
                      Paid Payments
                      New Customers
                      Total Customers
                      Total Sessions
                      New vs. Total
                      Session Statistics
                      Total Transactions
                      Transactions by Group
                      Unsuccessful Transactions
                      Report Groups
                      Summary Status
                  Relationship Center
                      Customer Support Screens
                      Agent Support Cases
                      Agent Alert
                      Monitored Transactions
                  System Setup
                      Edit System Users
                      Add System User
                      Delete System Users

                                      -21-
<PAGE>

                      View User Permissions
                      View Users by Permissions
                      Modify Permission Definitions
                      Add Permission Definition
                      User Monitor
                      Audit Log
                           Scheduled Tasks
                  Workflow
                      Agent Management
                      Case Management
                      Case Detail Report
                      Bill Pay Fees
                      Message Types
                      Case Statuses
                      Case Dispositions

3.       ONESOURCE DATA ACQUISTION SERVICES

         3.1 Corillian shall develop and maintain a data processing network of
Internet server(s) (the "Corillian Network") that offers Data Acquisition
Services (the "Services") defined by the following features and functions:

             Host user sign-up process
             Store username/pin
             Perform real-time refresh of data at user's initiation
             Acquire customer account data at select financial institutions
             Store account data
             Verify username/pin for user accounts at designated FI
             Send requested user account data to customer

         3.2 Subject to the terms and conditions of the Agreement, Partner may
resell the Services to its customers.

         3.3 Corillian will offer the Services for Financial Institutions it
shall designate in its sole discretion.

         3.4 In the event that a financial institution makes a written request
that Corillian cease acquiring its customers' account data, then Corillian
reserves the right to discontinue support for acquiring that financial
institution's customers' account data.

         3.5      The provision of the Services shall be in accordance with the
specifications attached as Exhibit 3 to this Agreement.

                                      -22-
<PAGE>

4.       BILL PAYMENT PROCESSING

The Voyager system will acquire bill payment instructions and forward the
electronic payment instructions to Partner's customers bill pay system for
processing and payment. Partner shall be responsible for implementing all
necessary interfaces to the their customer's designated bill payment processor.
Partner or its customers shall provide all appropriate infrastructure and
support agreements for bill payment.

5.       BILL PRESENTMENT PROCESSING

The Voyage system will consolidate bill summary information. Partner shall be
responsible for implementing all necessary interfaces to the their customer's
designated bill payment processor. Partner or its customers shall provide all
appropriate infrastructure and support agreements for bill presentment.

6.       OFX SPECIFICATION AND CERTIFICATION

Corillian's Voyager OFX product has been designed to meet OFX specification
version 1.02 as distributed by the Open Financial Exchange committee. Corillian
is not responsible for any changes to the OFX specification and transaction set.
However, Corillian will make its best effort to accommodate changes to the OFX
specifications that are distributed by the OFX standards committee. Corillian
shall not be held responsible for any delays caused by any change to the OFX
specifications unless Corillian does not exercise due diligence to accommodate
such changes.

Certification testing will be conducted by Microsoft with respect to OFX support
of Money and by Intuit for support of Quicken. Corillian shall not be held
responsible for any delays or missed delivery dates by a third party unless and
to the extent Corillian has contributed to such delays or missed delivery dates.

7.       PRODUCT LICENSE AND SERVICES PRICING

Unless otherwise mutually agreed to by the Parties, the pricing for the Products
and Services shall be determined in accordance with the Pricing Calculator,
attached hereto as Exhibit 5.

                                      -23-

<PAGE>

                                    EXHIBIT 2

                       VOYAGER PRODUCTS MAINTENANCE TERMS

1.       VOYAGER PRODUCT SUPPORT TERMS

                  Corillian provides support only to Partner and only for the
Products. Partner is responsible for first tier support of the Products for all
its Sublicensees and is alone responsible for supporting any scripts,
modifications or enhancements to the Products made by Partner for its
Sublicensees.

                  Support commences on the date Partner has accepted all of the
Products, and the anniversary of this date will be the support renewal date. If
Partner enters into additional Product Schedules, the support for the additional
products will begin on the date that these Products are accepted, and the
support fees for these products may be prorated to the support renewal date for
the initial Products.

                  Except for pro-rated terms, a support term is one year and
will be subject to renewal at the end of the one-year term. Support is only
available for the current release or the immediately previous major release of
the Products and only for those Products located in the Territory for which
Partner has purchased software support.

                  Corillian retains the right to modify its support programs so
long as such modifications do not in any way decrease support provided to
Partner pursuant to the Agreement.

                  Corillian shall have no obligation to support: altered,
damaged, or modified Products; Products that are not the most current release or
the immediately previous major release; Product problems caused by Partner's
negligence, abuse, or misapplication, use of Products other than as specified in
the Product documentation, or other causes beyond the control of Corillian; or
Products installed on any computer hardware or operating system not supported by
Corillian.

                  Corillian may cease to provide the support services described
herein upon twelve months' prior written notice to Partner if Corillian
generally ceases to support the Products licensed pursuant to the Agreement.

2.       REPORTING PROBLEMS AND SUPPORT CONTACTS

                  If Partner believes it has discovered a software malfunction
in any supported Product, Partner shall send a problem report via electronic
mail to the email address of support@corillian.com. Partner's report should
contain Partner's company name and the phone number and email address of the
person reporting the call; the priority level (in accordance with the
definitions provided below); the Product for which Partner is reporting a
problem; and the platform on which the Product is installed. If Partner has a
problem which it believes is too

                                      -24-
<PAGE>

urgent for a response by electronic mail, or a question which would be best
answered via person-to-person conversation, Partner may call Corillian Support
Services at (503) 646-9507. If Partner is calling outside of support hours for
Partner's Product, Partner may leave voice mail for the support personnel.

                  Whenever possible, Partner shall report software malfunctions
via electronic mail in preference to a telephone call. To support Partner
better, Corillian requests that Partner's problem reports contain any
transcripts and logs that can easily be included in an email message. For
Priority 1 problems (as defined below), Partner may call and send an email to
ensure the fastest possible response. Corillian also requires that Partner
designate a primary and secondary contact who will be authorized support
contacts.

3.       SOFTWARE SUPPORT

         3.1 Corillian will promptly report to Partner all known Faults,
undocumented features, or peculiarities of a Product, either alone or in
conjunction with other Products, together with complete details of action being
taken by Corillian in respect of them.

         3.2 Corillian will deliver within 7 days to Partner all changes to the
Products made to correct Faults. Each change shall be accompanied by a detailed
statement describing how the change may vary the Product functionality or
performance.

3.       SUPPORT HOURS

                  Corillian's telephone support and other support services are
available seven days a week, twenty four hours a day. Telephone support services
are limited to Corillian Products and Third Party Software.

4.       DEFINITION OF PRIORITIES

                  When reporting a problem, Partner shall indicate its priority
according to the following definitions:

              PRIORITY 1: Critical: 1) The issue prevents an installation from
                  immediate production operation; or 2) The installed Product
                  repeatedly crashes or loses data; or 3) The installed Product
                  does not reliably complete transactions; or 4) The Product
                  cannot be installed at a current Sublicensee's site.

              PRIORITY 2: High: 1) The issue prevents the Product from being
                  used in a production environment; or 2) The Product crashes or
                  loses data; or 3) The Product does not reliably complete
                  transactions; or 4) The Product does not recover from errors
                  properly; 5) The Product performance is too slow to support
                  the specific number of transactions.

              PRIORITY 3: Medium: 1) The Product does not behave as documented;
                  2) The documentation is in error, is unclear, or should be
                  expanded; 3) The required

                                      -25-
<PAGE>

                  documentation is missing; or 4) The issue prevents a Product
                  from performing as needed by the Partner or Partner's
                  customer.

               PRIORITY 4: Low: 1) Cosmetic changes and subjective preferences;
                  2) A new feature is required to allow production operation; 3)
                  A new feature will improve the Product's functionality,
                  usability, reliability, performance, or supportability; or 4)
                  Functionality not related to the intent of the Product; or 5)
                  The issue should be addressed, but does not have significant
                  impact on the Partner or Partner's customer.

                  Partner is responsible for ensuring that the priority it
assigns to a problem adheres to the foregoing definitions. Corillian reserves
the right to re-prioritize a problem report that is not reasonably consistent
with these definitions. If Corillian does so, Corillian shall so advise Partner
in writing and shall cooperate with Partner to come to an agreement on level of
priority.

5.       RESPONSE PROCEDURES AND SUPPORT LEVELS

                  Corillian's response is provided at multiple levels to best
match the need of the issues. Corillian will use the appropriate support level
to focus attention on the most critical issues first, and will cooperate with
Partner in coming to agreement on which is the appropriate level of support for
a given issue. The following are the four levels of support:

         LEVEL A:          Onsite support for escalated issues that cannot be
resolved remotely.

         LEVEL B:          Critical / Site Down issues.  Response time:
30 minutes.

         LEVEL C:          Response time: 6 hours.

         LEVEL D:          E-mail support for general questions.  Response time:
1 business day.

                                    Priority 1 and Priority 2 problems shall be
                           assigned to Levels A or B, Priority 3 problems shall
                           be assigned to Levels C or D, Priority 4 problems
                           shall be assigned to Level D.

6.       ACTION PLANNING AND COMMUNICATION

                  In reference to any Priority 1 and 2 problem reports,
Corillian will immediately use its best efforts to restore the system to proper
operation (if necessary) and, within five (5) days of escalation, provide an
action plan for a long term fix for the issue. The action plan will include
details on the nature of the fix and the time frame of resolution. Corillian and
Partner acknowledge that under some circumstances it may be most expedient for
Corillian's support personnel to dial in and directly access Partner's computer
facilities. Additionally, Corillian may under some circumstances make support
personnel available for on-site work at Partner's location (with Partner's
approval), at an additional then-current cost as outlined in section 2 above.
Daily review of status throughout the entire process will be available to
Partner through Corillian's normal technical support personnel.

                                      -26-
<PAGE>

7.       SOFTWARE UPDATES AND UPGRADES

         7.1 Corillian shall provide Partner with any Updates to the Products at
no additional charge. Updates shall be furnished to Partner within thirty
(30) days of their being made generally available to any of Corillian's other
customers. Corillian will fully test each Update to ensure it complies in all
respects with the Product specifications. Updates shall mean any
modifications or revisions, other than Upgrades, to the Products or related
documentation that corrects errors, provide patches, support new releases of
the operating systems with which the software is designed to operate, improve
existing functions and performance, or provide other incidental updates and
corrections, or are identified by Corillian as mandatory change to the
Products.

         7.2 Corillian shall offer Upgrades to Partner at the lowest prices
offered to any of its customers. Partner shall not be required to purchase any
Upgrade offered by Corillian. Upgrades shall mean changes or additions, other
than Updates to the Products or related documentation, including all new
releases that add new functionality, or significantly improve performance by
changes in system design or coding such as, by way of illustration and not
limitation, changes or additions to the Products and related documentation that
(1) have a value and utility separate from the use of the Products or
documentation; (2) as a practical matter, could be priced and offered separately
from the Products or documentation; and (3) are not made available to any of
Corillian's customers without separate charge.

         7.3 Partner shall not be obliged to adopt any new version of a Product,
however Corillian shall only be obligated to support and maintain the most
current and one (1) previous version of the Poftware unless otherwise agreed by
Corillian.

7.       ADDITIONAL SUPPORT

Corillian reserves the right to assess a fee of two hundred dollars ($200) per
hour (with a one-hour minimum) for Client's requests for support for
non-Corillian Products or for support that it is determined results from
scripts, modifications or enhancements to the Products made by Partner for a
Sublicesee.

                                      -27-
<PAGE>

                                    EXHIBIT 3

                         DATA ACQUISITION SPECIFICATIONS

1.       ACQUISITION AND DATA EXCHANGE

Corillian must acquire financial data nightly for all users.

Balances and transactions that appear on a financial institution's Web site
before 5:00pm in time zone of most western states served by Web site must be
included in that night's data (example: Wells Fargo's Web site serves states in
Pacific, Mountain, and Central time zones. Balances and transactions appearing
on Wells' Web site until 5:00pm PST are included).

The total time taken to acquire all data combined with the time taken to
transmit that data to Customers must fit within the time window of 5pm - 4am
PST. All acquired data shall be transferred to Customers by 4:00am PST.
Corillian is not responsible for data acquisition delays or failures caused by
the unavailability of a target Web site, incorrect pin or user names provided to
Corillian, accounts that have been disabled by the financial institution or any
other cause not within the reasonable control of Corillian. Corillian is
responsible for all other "Acquisition Failures" (defined below) such as target
Web site changes or unique user characteristics. An "Acquisition Failure" is
defined for purposes of this Agreement as the inability to obtain either
balances or recent transactions for a given user. The metrics for Acquisition
Failure and recovery are divided into two groups:

     LEVEL 1 (TOP 20 FI'S ACCORDING TO NUMBER OF USERS SIGNED UP)
         Acquisition occurs for every user's account that is signed up with no
         more than 0.5% failure rate per day. Failure recovery rate must adhere
         to the following chart:

         - IF BETWEEN 100% AND 40% FAILURE - must get to < =40% failure in
           24hrs, < =10% in 48hrs, < =0.5% in 72hrs
         - IF < =40% FAILURE - < =10% failure in 24hrs, < =0.5% in 48hrs
         - IF < =10% FAILURE - < =0.5% failure in 24hrs

     LEVEL 2 (FI'S NOT IN TOP 20 ACCORDING TO NUMBER OF USERS SIGNED UP)
         Acquisition occurs for every user's account that is signed up with no
         more than 2% failure rate per day. Failure recovery rate must adhere to
         the following chart:

         - IF BETWEEN 100% AND 60% FAILURE - must get to < =60% failure in
           24hrs, < =25% in 48hrs, < =10% in 72hrs, < =2% in 96hrs
         - IF < =60% FAILURE - < =25% failure in 24hrs, < =10% in 48hrs, < =2%
           in 72hrs
         - IF < =25% FAILURE - < =10% failure in 48hrs, < =2% in 48hrs
         - IF < =10% FAILURE - < =2% failure in 24hrs

                                      -28-
<PAGE>

2.       SCHEDULED MAINTENANCE

Corillian shall notify Partner in advance of any scheduled service (network,
server, content, data) maintenance. As a general rule, Corillian shall notify
client of weekly/monthly windows it keeps open for periodic maintenance work.

If the maintenance goes beyond the ETA, Corillian shall send periodic updates
with new ETAs. Corillian shall also notify Partner when such maintenance has
been completed.

3.       UNSCHEDULED MAINTENANCE

For emergency situations, Corillian shall make all commercially practicable
efforts to notify Partner prior to commencing service-impacting maintenance, but
Partner acknowledges that this is not always realistic or efficient.

For unscheduled maintenance less than 5 minutes in duration that does not make
the entire service inaccessible, Corillian shall notify Partner of such as part
of its monthly reporting.

For unscheduled maintenance greater than 5 minutes, Corillian shall notify (PM
or the alias) within 60 minutes after the fact. Client needs a simple
description of the problem and the steps taken to correct.

Additionally, if Corillian has more than three 5-minute outages or one 30-minute
outage within a 24-hour period, they shall make every effort notify Partner
during that same 24-hour period for the purpose of explaining such outages.

4.       OVERALL UPTIME/DOWNTIME

Downtime will be measured as two aspects:
      -     Service degradation - some portions of the service are inaccessible,
            or access to the service is sporadic.
      -     Service outage - the entire service is inaccessible.

Corillian will strive for zero service degradation each month outside of
published maintenance windows and zero service outages at all times.

Corillian will undertake all commercially reasonable steps to meet the following
service level performance each month:
      -     Less than 1 hour total in the "service outage" state.

                                      -29-
<PAGE>

      -     Less than 3 hours total in the "service degradation" state
            (exclusive of service outages) outside of the published maintenance
            window.
      -     Less than 10 hours total in the "service degradation" state
            irrespective of the maintenance window.
      -     Less than 30 consecutive minutes in the "service degradation" state
            during our defined peak times.
      -     100% notification of all maintenance as defined above.

5.       ESCALATION
Corillian will provide a method of 24x7x365 notification that includes; Email
alias/name and/or suitable web-based problem notification resource, phone and/or
pager number of appropriate operations resources.

Partner will wait 30 minutes for "service degradation" level issues to be
resolved before Client utilizes this notification path so that Corillian can
efficiently utilize the maintenance notification process defined above. For
service outages, Partner may contact Corillian after 5 minutes.

Partner will utilize email or its alternative as the primary means for
notification of service-impacting issues. However, if Partner perceives a
service outage situation or if Partner doesn't get a suitable response to its
email inquiry, Partner may call or page.

Corillian shall contact the Partner "Alias" provided to Corillian from time to
time for communication of scheduled and unscheduled maintenance, and the
assigned Partner Program Manager for monthly Corillian reporting and other
issues.

                                      -30-
<PAGE>

                                    EXHIBIT 4

                              CORILLIAN CORPORATION
                      Voyager Source Code Escrow Agreement

Effective Date: January 22, 2000             CORILLIAN CORPORATION

Parkers' Edge Ltd. ("Client")                Corillian Corporation ("Corillian")
Level 2                                      3601 SW Murray Blvd., Suite 300
79 Albert Street                             Beaverton, Oregon 97005
Auckland, NZ                                 (503) 627-0729
                                             FAX (503) 641-5575

                  Corillian, by its signature indicating acceptance hereof,
grants to Client a Voyager Source Code Escrow Account ("Account") with Datasafe,
Inc. ("Escrow Agent") as agreed to herein. Corillian and Client have entered
into a Voyager License Agreement pursuant to which Corillian will grant to
Client during the term of said Agreement a non-exclusive, non-transferable
License to use a production copy of the Voyager Products named on the Voyager
Product Schedule(s) (such products collectively referred to herein as the
"Products.")

STANDARD TERMS AND CONDITIONS

1.       Escrow Material

                  The term "Escrow Material" as used in this Agreement means (i)
the source code of all of the Products, in such form that will allow Client to
build and compile usable object code, (ii) any and all updates, modifications,
revisions, and enhancements to be delivered pursuant to the Voyager License
Agreement, and (iii) any and all documentation developed by Corillian or in its
possession pertaining to the applicable source code.

2.       Additions to Escrow Material

                  If Corillian develops updates, modifications, revisions or
enhancements of the Products which are to be delivered by Corillian to Client
pursuant to the Voyager License Agreement, then the related source code shall
constitute additional Escrow Material. Within ten (10) business days after the
release of such additional Escrow Material, Corillian shall give written notice
thereof to Client, describing in detail such additional Escrow Material.
Such additional Escrow Material shall be deposited with Escrow Agent as provided
in Section 4 below.

3.       Inspection

                  Corillian shall permit Client to inspect and to determine the
completeness of the Escrow Material before it is deposited into escrow. Client's
inspection of the Escrow Material shall take place at Corillian's main office
located in Beaverton, Oregon. Such inspection shall

                                      -31-
<PAGE>

include a "build" of the object code of the Product software. After such
inspection, Corillian shall seal the Escrow Material in a labeled container and
deliver it for deposit into escrow as provided in Section 4.

4.       Deposit

                  Within ten (10) days after the release of any applicable
Product, Corillian shall deposit the relevant Escrow Material with Escrow Agent.
Escrow Agent shall issue to Corillian a receipt for the Escrow Material upon its
delivery to Escrow Agent.

5.       Storage

                  Escrow Agent will accept the deposit of Escrow Material and
will preserve and protect the Escrow Material at Escrow Agent's offices
designated in Section 13. Escrow Agent shall prohibit any person (including
employees of Corillian) from gaining access to the Escrow Material except (a) as
provided by the terms of this Agreement, or (b) as otherwise directed by court
order.

6.       Responsibilities

                  In performing its duties under this Agreement, Escrow Agent is
authorized to conclusively rely upon any statement, consent, agreement, or other
instrument not only as to its due execution, its validity, and the effectiveness
of its provisions, but also as to the truth and accuracy of any information
contained therein, which Escrow Agent shall in good faith believe to be genuine
or to have been presented or signed by a proper person or persons. Escrow Agent
shall not be responsible or liable for any promise, representation, agreement,
condition, or stipulation not set forth in this Agreement; for the sufficiency,
correctness, genuineness, or validity of any instruments or documents deposited
with Escrow Agent; for the form of execution thereof or the identity, authority,
or rights of any person executing the same; for the performance of or compliance
with the terms or conditions of any such instruments; for the maintenance of any
property covered by this Agreement, including, but not limited to, payment of
taxes, assessments, upkeep charges, or repair bills; for the sufficiency or
priority of any security or the value or title of any property; for any loss
which may occur by reason of forgeries, false representations, or the exercise
of Escrow Agent's judgment in any particular manner; or for any other reason
except negligence or intentional misconduct.

7.       Right to Escrow Material; Use of Escrow Material

                  Client shall be entitled to receive the Escrow Material upon
or after the occurrence of any of the following events ("Events of Default"):

         7.1 The making of an assignment for the benefit of creditors by
Corillian (i.e., the transfer of all or substantially all of Corillian's
property to another person in trust to collect any money owing to Corillian, to
sell property, to distribute the proceeds to Corillian's creditors, and to
return the surplus, if any, to Corillian);

                                      -32-
<PAGE>

         7.2 The determination by a court of competent jurisdiction or an
arbitrator that Corillian is bankrupt, or (i) an admission by Corillian that it
is bankrupt, or (ii) Corillian applying for or consenting to the appointment of,
or the taking of possession by a receiver, custodian, trustee, or liquidator of
itself or all or the substantial part of its property, or (iii) an order for
relief is entered adjudicating Corillian as a bankrupt under Chapter 7 of the
Federal Bankruptcy Code;

         7.3 The sale of Corillian or a merger in which Corillian is not the
surviving party if the acquiring or surviving party in such sale or merger does
not assume Corillian's rights and duties under the Voyager License Agreement;

         7.4 The liquidation of Corillian or Corillian's failure to continue in
its current business; or

         7.5 Corillian's failure to correct defects in the Voyager Product
software or to otherwise support or enhance the software pursuant to the
obligations imposed on it pursuant to the Voyager Product Maintenance Terms..

8.       Procedure

         8.1 DEMAND. Subject to paragraph 8.2, Escrow Agent shall hold the
Escrow Material until such time as it shall receive an affidavit signed by an
officer of Client under penalty of perjury ("Client's Affidavit") stating that:
(i) one of the events described in Section 7 has occurred entitling Client to
receive the Escrow Material; and (ii) Client has delivered a copy of Client's
Affidavit and any accompanying documents to Corillian in accordance with Section
13. Upon receipt of Client's Affidavit, Escrow Agent shall, within three
business (3) days of such receipt, provide Corillian with a copy of Client's
Affidavit.

         8.2 OBJECTION. Escrow Agent shall deliver the Escrow Material to Client
or as otherwise directed in Client's Affidavit ten (10) business days following
the date on which Client delivers Client's Affidavit under paragraph 8.1, unless
within such time period Escrow Agent receives a reasonable written objection
from Corillian in the form of an affidavit signed by an officer of Corillian
under penalty of perjury ("Corillian's Affidavit") that: (i) specifically denies
the statements made by Client in Client's Affidavit and describes the basis for
such denial; (ii) is accompanied by proof that a copy of Corillian's Affidavit
was delivered to Client in accordance with Section 13; and (iii) states that
Corillian will submit to arbitration in accordance with paragraph 8.3 and will
abide by any final order or decision rendered by the arbitrators in such
arbitration. If Corillian's Affidavit is timely and in appropriate form when
received, then Escrow Agent shall not deliver the Escrow Material until it
receives (a) a written, notarized agreement between Corillian and Client
authorizing such delivery, (b) any court order determining that Client is
entitled to delivery of the Escrow Material under this Agreement, or (c) a final
order or decision by the arbitrators under paragraph 8.3. Escrow Agent shall
deliver the Escrow Material in accordance with the directions in the written
agreement, court order, or arbitrators' order or decision described in (a)
through (c) above.

                                      -33-
<PAGE>

         8.3 ARBITRATION. Upon receipt of Corillian's Affidavit, Corillian and
Client shall submit the issue to arbitration proceedings in Portland, Oregon,
which proceedings shall be conducted under the commercial rules then prevailing
of the American Arbitration Association by a panel of three (3) arbitrators.
Corillian and Client shall modify the time schedules provided under such rules
and shall use their best efforts to meet deadlines such that the arbitration is
concluded within ninety (90) days following its initiation. The sole issues for
arbitration shall be whether Client is entitled to receive the Escrow Material
under Section 7 including, without limitation, issues related to the Voyager
License Agreement necessary to determine whether Client is entitled to the
Escrow Material under Section 7.5, and the award of costs and fees described
below. If the arbitrators determine that the Client is entitled to receive the
Escrow Material under Section 7, the arbitrators shall order Escrow Agent to
release the Escrow Material to Client. The prevailing party in the arbitration
proceedings shall be awarded reasonable attorneys' fees, expert and non-expert
witness costs and expenses, and all other costs and expenses incurred directly
or indirectly in connection with the proceedings, including, but not limited to,
any fees and expenses incurred by Escrow Agent, notwithstanding any other
provision of this Agreement. The decisions of the arbitrators shall be final and
binding for all purposes on Corillian, Client, and Escrow Agent and may be
entered and enforced in any court of competent jurisdiction.

         8.4 EQUITABLE RELIEF. Both Corillian and Client acknowledge that
important issues are at stake related to Corillian and Client's rights to the
Escrow Material under Section 7. Therefore, both Corillian and Client shall be
entitled, at their discretion, to seek court relief, including, but not limited
to, preliminary injunctive, emergency, specific performance, and other equitable
relief without proof of monetary damages. Corillian and Client's agreement to
submit to arbitration under paragraph 8.3 shall not preclude Corillian or Client
from seeking such relief pending the outcome of arbitration. Client shall not
disclose any Escrow Material obtained through judicial relief under this
paragraph to any person other than employees, agents, contractors, and
affiliates of Client who need to know and are obligated to keep the Escrow
Material confidential, and shall use the Escrow Material only as authorized
under Section 9 or under the Voyager License Agreement. Client shall return the
Escrow Material and all copies of the Escrow Material to Escrow Agent if so
directed by the final order or decision of the arbitrators under paragraph 8.3.

9.       Use

                  Client may use the Escrow Material provided under this
Agreement solely to maintain and support the Products, modify, enhance, and
upgrade the Products for license it has purchased from Corillian. Client will
not, under any circumstances, sell, disclose, assign, transfer or convey in any
manner, or dispose of the Escrow Material or any portion of the Escrow Material.

10.      Reliance

                  Escrow Agent may conclusively rely upon and shall be
protected, indemnified, and held harmless by Client and Corillian, jointly and
severally, in acting upon the written

                                      -34-
<PAGE>

(which shall include instructions given by telecopier or other
telecommunications device) instructions of any officer of either Corillian or
Client or of counsel to either of them with respect to any matter relating to
its actions as Escrow Agent under this Agreement. The Escrow Agent shall comply
with any such instructions, notwithstanding any demand or notice to the contrary
from any person, and is relieved from liability for doing so.

11.      Indemnification

                  Client and Corillian, jointly and severally, covenant and
agree to indemnify Escrow Agent and hold it harmless (without prejudice to a
determination between Client and Corillian as to which party shall bear the
ultimate responsiblity) against any loss, liability, or expense arising out of
or in connection with its performance of its duties under this Agreement,
including, but not limited to, legal and other fees and expenses and including
specifically, but without limitation, any legal or other expenses with respect
to any action for interpleader by Escrow Agent, except that Escrow Agent shall
not be indemnified against any such loss, liability, or expense arising out of
its negligence or intentional misconduct. Escrow Agent shall be under no
obligation to institute or defend any action, suit, or legal proceeding in
connection with this Agreement, unless first indemnified and held harmless to
its satisfaction in accordance with the foregoing.

12.      Term of Agreement; Termination

                  The term of this Agreement and the Account granted hereunder
shall commence upon acceptance of this Agreement by Corillian from the Effective
Date above and shall continue in effect until Corillian and Client shall both
notify Escrow Agent by notarized certificate, signed by an officer of both
Corillian and Client, that Corillian no longer has any obligations to Client
requiring the deposit of the Escrow Material in escrow, whereupon Escrow Agent
shall destroy the Escrow Material and provide acknowledgment thereof to
Corillian.

13.      Notices

                  All notices, reports, instructions, requests, and other
communications given under this Agreement shall be in writing and shall be
deemed to have been given or made (i) if by mail, when received by certified
mail, postage prepaid, return receipt requested; or (ii) if by facsimile, when
sent by facsimile to the facsimile number set forth below with evidence of
receipt by sender or (iii) if by courier, when received; provided, however, that
either party may change its address or facsimile number for notices by providing
notice to the other party or such change in the manner provided herein. Notices
shall be directed to the following addresses or facsimile numbers:

                  TO ESCROW AGENT:          Datasafe, Inc.
                                            P.O. Box 23056
                                            Tigard,  OR  97281-3056
                                            Telephone: (503) 620-3423
                                            Facsimile: (503) 684-3332

                                      -35-
<PAGE>

                  TO CORILLIAN:             Corillian Corporation
                                            3601 S.W. Murray Blvd., Suite 300
                                            Beaverton,  OR  97005
                                            Telephone: (503) 627-0729
                                            Facsimile: (503) 641-5575
                                            Attention:  Thomas Brooke

                  TO CLIENT:                Parkers' Edge LTD
                                            Level 4,  55 Sussex St.,
                                            Sydney, NSW 2000.
                                            Telephone:     +61-2-9249-8900
                                            Facsimile:     +61-2-9279-0933
                                            Attention:     Janet Parker

14.      Duties of Escrow Agent

                  Escrow Agent shall have no duties or obligations except those
expressly set forth in this Agreement, and no implied duties or obligations
shall be read into this Agreement against Escrow Agent. Escrow Agent shall have
no responsibilities or liability to any of the parties or their successors for
any action taken by it in good faith upon receipt of any instrument or other
writing believed by it to be genuine and to be properly signed or presented. In
case any property deposited under this Agreement shall be attached, garnished,
or levied upon pursuant to an order of court or other authority having
jurisdiction, or the delivery thereof shall be stayed or enjoined by an order of
court, or any other order, judgment, or decree shall be made or entered by any
court affecting such property or any part thereof (unless such order, judgment,
or decree has been stayed, pending appeal), Escrow Agent shall obey and comply
with all final writs, orders, judgments, or decrees so entered or issued by any
court, without the necessity of inquiry whether such court had jurisdiction;
and, in case such Escrow Agent obeys or complies with any such writ, order,
judgment, or decree, it shall be held harmless and indemnified by Client by
reason of such compliance. Upon receipt of notice of an order, writ, judgment,
or decree, Escrow Agent will transmit copies of said writ and other process or
pleading received to all parties, and shall not comply with any writ, order,
judgment, or decree until seven (7) days following delivery of such copies to
all parties if permitted under such document.

15.      Expenses

                  Corillian and Client shall each pay one-half of the fees and
expenses to Escrow Agent directly in accordance with Escrow Agent's fee
schedule. The Escrow Agent's fees and expenses will be paid annually in advance.
Any costs incurred by the Escrow Agent will be billed at the end of the month in
which they are incurred.

16.      Taxes

                  Corillian and Client shall each be responsible for one-half of
any federal, state, excise, and local government fees, assessments, charges, and
taxes connected with this Agreement.

                                      -36-
<PAGE>

17.      Withdrawal of Escrow Agent

                  Escrow Agent may resign on sixty (60) days written notice to
each of the parties. Thereafter, upon payment of all fees and costs earned or
incurred by Escrow Agent in connection with this Agreement, Escrow Agent shall
deliver the Escrow Material to a successor escrow agent named by Corillian and
Client or, if none, to the party named in written instructions from Corillian
and Client. If a successor escrow agent has not been appointed and has not
accepted appointment by the end of such sixty (60) day period, Corillian or
Client may apply to a court of competent jurisdiction for the appointment of a
successor escrow agent and the reasonable costs, expenses, and attorneys' fees
of Escrow Agent that are incurred in connection with such a proceeding shall be
paid equally by Corillian and Client.

18.      Severability

                  If any of the terms, conditions, or provisions of this
Agreement shall be held invalid, illegal, or unenforceable, then,
notwithstanding, this Agreement shall remain in full force and effect and the
legality, validity, and enforceability of the remaining terms, conditions, or
provisions shall not be affected.

19.      Successors and Assigns

                  This Agreement shall inure to the benefit of, and shall be
binding upon, the permitted successors and assigns of the parties.

20.      Headings

                  The headings of the sections and paragraphs of this Agreement
are solely for convenience of reference and are not part of and are not intended
to define, govern, limit, or aid in the construction of this Agreement.

21.      Waiver

                  No failure or delay on the part of any party in exercising any
right, power, or remedy under this Agreement may be, or may be deemed to be, a
waiver thereof; nor may any single or partial exercise of any right, power, or
remedy preclude any other further exercise of any right, power or remedy.

22.      Implementation

                  Each of the parties shall, at the request of the other party,
deliver to the requesting party all further documents or other assurances as may
reasonably be necessary or desirable in connection with this Agreement.

23.      Attorneys' Fees

                                      -37-
<PAGE>

                  In the event of any dispute arising out of the subject matter
of this Agreement, the prevailing party shall recover, in addition to any other
damages assessed, its reasonable attorneys' fees and court costs incurred in
arbitrating, litigating, or otherwise settling or resolving such dispute.

24.      Governing Law

                  The validity, construction and performance of this Agreement
shall be governed by the laws of the State of Oregon and the exclusive venue for
the resolution of any dispute arising with respect to this Agreement shall be
the state or federal courts in Oregon. This Agreement shall be interpreted,
construed, and enforced in all respects in accordance with the laws of the State
of Oregon without reference to its choice of law rules, except to the extent the
same are preempted by the laws of the United States of America.

25.      Entire Agreement

                  This Agreement constitutes the entire agreement of the parties
on the subject matter of this Agreement and no amendment, modification, or
addition hereto shall have effect or be binding unless in writing and executed
by all of the parties. This Agreement may be executed in any number of
counterparts, each of which shall be deemed to be one and the same instrument.

               UNDERSTOOD AND ACCEPTED:

               CLIENT:                                    CORILLIAN:

 PARKERS' EDGE                                CORILLIAN CORPORATION

 DATE:                                        DATE:
      --------------------------------             ----------------------------
 BY:                                          BY:
    ----------------------------------            -----------------------------
     Janet Parker, Managing Director                  Kirk Wright, President

                  ESCROW AGENT:

 DATASAFE, INC.

 DATE:
      --------------------------------

 BY:
    ----------------------------------

                                      -38-
<PAGE>

                                    EXHIBIT 5

                        VOYAGER PRODUCTS PRICING SCHEDULE

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

VOYAGER QUOTE CALCULATOR

<TABLE>
<CAPTION>
                                                                         PER ACCT           OUTRIGHT
                                                    --------------------------------------------------------
<S>                                                 <C>                 <C>                 <C>
                                      ON-LINE ACCTS       100,000          [*]                [*]
                                                    -------------------
 VOYAGER (INC FIRST 15,000 ACCTS AND CONTROL CENTER)        1              [*]                [*]
                                                    -------------------
                  BACKUP SERVERS (SEPARATE LOCATION)        1              [*]                [*]
                                                    -------------------
                                     RETAIL BANKING         1              [*]                [*]
                                                    -------------------
                                     OFX PUBLISHING         1              [*]                [*]
                                                    -------------------
                                   BUSINESS BANKING         1              [*]                [*]
                                                    -------------------
                                   RETAIL MARKETING         1              [*]                [*]
                                                    -------------------
                                               EBPP         1              [*]                [*]
------------------------------------------------------------------------------------------------------------
                                OUTRIGHT SALE TOTAL                        [*]                [*]
                                OR 2 YEAR LEASE (PM)                       [*]                [*]
                                OR 3 YEAR LEASE (PM)                       [*]                [*]
                                OR 5 YEAR LEASE (PM)                       [*]                [*]
                               MAINTENANCE @ [*] PA                        [*]                [*]
                                                    -------------------
                                   HOSTING @ [*] PA         1              [*]                [*]
                                                    -------------------
                               IMPLEMENTATION @ [*]                        [*]                [*]
============================================================================================================
                              GRAND TOTAL (YEAR ONE)                       [*]                [*]
                                                                       -------------------------------------

<CAPTION>
                                                    -------------------------------------------------------------------------------
                                                                                           PRICE BANDS
                                                         15,001- 25,001-    50,001-  100,001-   200,001-    500,001-    1,000,001-
                                                         25,000  50,000    100,000   200,000    500,000    1,000,000    5,000,000
                                                    ------------------------------------------------------------------------------
<S>                                                 <C>          <C>       <C>       <C>        <C>        <C>          <C>
                                      ON-LINE ACCTS       [*]     [*]        [*]       [*]        [*]        [*]            [*]

 VOYAGER (INC FIRST 15,000 ACCTS AND CONTROL CENTER)      [*]

                  BACKUP SERVERS (SEPARATE LOCATION)      [*]

                                     RETAIL BANKING       [*]

                                     OFX PUBLISHING       [*]

                                   BUSINESS BANKING       [*]

                                   RETAIL MARKETING       [*]

                                               EBPP       [*]
----------------------------------------------------
                                OUTRIGHT SALE TOTAL      ACCTS    REVENUE
                                OR 2 YEAR LEASE (PM)      [*]       [*]
                                OR 3 YEAR LEASE (PM)      [*]       [*]
                                OR 5 YEAR LEASE (PM)      [*]       [*]
                               MAINTENANCE @ [*] PA       [*]       [*]

                                   HOSTING @ [*] PA

                               IMPLEMENTATION @ [*]       [*]       [*]
====================================================
                               GRAND TOTAL (YEAR ONE)     [*]       [*]
                                                          [*]       [*]
</TABLE>

* Portion has been omitted pursuant to a confidential treatment request and
filed separately with the Securities and Exchange Commission.

ONESOURCE QUOTE CALCULATOR
<TABLE>
<CAPTION>

                                          REGISTERED USERS    PER ACCT           FEE (PM)        TOTAL REVENUE
                                         -----------------------------------------------------------------------
<S>                                      <C>                  <C>                <C>           <C>
                             2 YEAR TERM       [*]               [*]                [*]               [*]
          OR 3 YEAR TERM (@ [*] DISCOUNT)                        [*]                [*]               [*]
          OR 5 YEAR TERM (@ [*] DISCOUNT)                        [*]                [*]               [*]
----------------------------------------------------------------------------------------------------------------
   SETUP (ONE-TIME, [*] OF YEAR ONE FEES)                        [*]                [*]
=========================================                   ------------------------------

<CAPTION>

                                                                                      PRICE BANDS
                                                    25,001-   50,001-    100,001-  200,001-  500,001-   1,000,001-
                                         1-25,000   50,000    100,000    200,000   500,000   1,000,000  5,000,000
                                         ------------------------------------------------------------------------
<S>                                      <C>        <C>       <C>        <C>       <C>       <C>        <C>
                             2 YEAR TERM   [*]        [*]        [*]       [*]       [*]        [*]      [*]
          OR 3 YEAR TERM (@ [*] DISCOUNT)
          OR 5 YEAR TERM (@ [*] DISCOUNT)
-----------------------------------------
   SETUP (ONE-TIME, [*] OF YEAR ONE FEES)
=========================================

</TABLE>

Notes
1.  Minimum setup fee = [*]
2. Use Voyager calculator if that software is required

*Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Comission.

                                         -39-

<PAGE>

ONESOURCE QUOTE CALCULATOR
<TABLE>
<CAPTION>

               PLEASE INSERT VARIABLE IN YELLOW CELL ONLY

                                                           REGISTERED USERS  PER ACCT     FEE (PM)   TOTAL REVENUE
                                                          -----------------------------------------------------------
<S>                                                       <C>                <C>          <C>        <C>
                                              2 YEAR TERM      [*]             [*]          [*]             [*]
                                                          -------------------
                          OR 3 YEAR TERM (@ [*]% DISCOUNT)                     [*]          [*]             [*]
                          OR 5 YEAR TERM (@ [*]% DISCOUNT)                     [*]          [*]             [*]
-----------------------------------------------------------------------------------------------------------------------
                    SETUP (ONE-TIME, [*] OF YEAR ONE FEES)                     [*]          [*]
==========================================================                   ----------------------
<CAPTION>
                                                          -----------------------------------------------------------------------
                                                                                            PRICE BANDS
                                                                      25,001-  50,001-   100,001-  200,001-  500,001-   1,000,001-
                                                            1-25,000  50,000   100,000   200,000   500,000   1,000,000  5,000,000
                                                          -----------------------------------------------------------------------
<S>                                                       <C>         <C>      <C>       <C>       <C>       <C>        <C>
                                             2 YEAR TERM       [*]    [*]        [*]        [*]       [*]       [*]        [*]
                                                            ---------------------------------------------------------------------
                          OR 3 YEAR TERM (@ [*]% DISCOUNT)
                          OR 5 YEAR TERM (@ [*]% DISCOUNT)
----------------------------------------------------------
                    SETUP (ONE-TIME, [*] OF YEAR ONE FEES)
==========================================================
</TABLE>

Notes
1.  Minimum setup fee = [*]
2. Use Voyager calculator if that software is required

*Portion has been omitted pursuant to a request for confidential treatment and
filed separately with the Comission.<PAGE>

                                                                   Exhibit 10.24

                    EMPLOYMENT AND NON-COMPETITION AGREEMENT

     This Employment and Non-Competition Agreement (the "AGREEMENT") is dated as
of November 29, 1999, by and among Nicholas Tompkins ("TOMPKINS"), Landec
Corporation, a California corporation ("LANDEC"), and Bush Acquisition
Corporation, a Delaware corporation and subsidiary of Landec ("NEW APIO"), but
shall only be effective upon the Closing of the transactions set forth in the
Purchase Agreement (as defined below).

                                    RECITALS

     A. This Agreement is entered into in connection with that certain Agreement
and Plan of Merger and Purchase Agreement, dated as of November 29, 1999 (the
"PURCHASE AGREEMENT"), by and among Landec, New Apio, and certain other parties.
Pursuant to the terms of the Purchase Agreement, New Apio will acquire all of
the stock and/or partnership interests (the "ACQUISITION") of an integrated
produce harvesting, packing, cooling and distribution business (the "BUSINESS").

     B. In order to induce Landec and New Apio to consummate the Acquisition,
Tompkins is willing to enter into this Agreement.

                                    AGREEMENT

     The parties hereby agree as follows:

     1. TERM OF AGREEMENT. This Agreement shall commence on the Closing of the
transactions contemplated by the Purchase Agreement (the "EFFECTIVE DATE") and
shall have a term of five (5) years therefrom (the "EMPLOYMENT TERM").

     2. DUTIES OF TOMPKINS DURING EMPLOYMENT TERM.

          (a) POSITION. During the Employment Term, Tompkins shall be employed
as Senior Vice President of Landec and Chief Executive Officer of New Apio, and
as such, will have overall responsibility for certain financial results and the
marketing, sales, strategic planning, and operations (including day-to-day
operations) of New Apio. Tompkins will report to the Chief Executive Officer and
President of Landec.

          (b) OBLIGATIONS. Tompkins agrees to the best of his ability and
experience that he will at all times loyally and conscientiously perform all of
the duties and obligations required of and from him pursuant to the terms
hereof, and to the reasonable satisfaction of the President of Landec. During
the Employment Term, Tompkins further agrees that he will devote a substantial
majority of his business time and attention to the business of New Apio and New
Apio will be entitled to all of the benefits and profits arising from or
incident to all such work services and advice. During the Employment Term,
except to the extent necessary in connection with the liquidation of any
Unacquired Party (as defined in the Purchase Agreement), Tompkins will not
directly or indirectly engage or participate in any business that is competitive
in any manner with the business of New Apio, Landec or any subsidiary or parent
corporation of New

<PAGE>

Apio or Landec. Tompkins will comply with and be bound by New Apio's operating
policies, procedures and practices from time to time in effect during the term
of Tompkins' employment.

     3. COMPENSATION DURING EMPLOYMENT TERM. For the duties and services to be
performed by Tompkins as an employee hereunder, Landec and New Apio shall
provide compensation and other benefits as follows:

          (a) SALARY. Tompkins shall receive a monthly salary of at least
$16,666.67, which is equivalent to $200,000.00 on an annualized basis. Tompkins'
monthly salary will be payable in regular installments pursuant to New Apio's
normal payroll practices.

          (b) LANDEC OPTION GRANT. At the Closing, Landec will issue to Tompkins
options to purchase 850,000 shares of the Common Stock of Landec (the "LANDEC
OPTION") with an exercise price equal to the fair market value of the underlying
shares as of such date, as measured in accordance with the appropriate
accounting policies of Landec. The right to exercise the Landec Option will vest
at the rate of 1/2 of the shares subject thereto on the first anniversary of the
date of the grant and an additional 1/24th of the shares subject thereto at the
end of each one month period thereafter (total vesting in 24 months), provided
that as of each such date, Tompkins' employment with New Apio has not been
terminated. In the event Tompkins' employment is terminated by Involuntary
Termination, Tompkins' right to exercise the Landec Option will vest immediately
in full. The Landec Option will be an Incentive Stock Option to the maximum
extent allowed by the Internal Revenue Code of 1986, as amended, and will be
subject to the terms of each of the Stock Option Agreements attached hereto as
EXHIBIT A-1 AND A-2. The right to exercise the Landec Option as to 60,000 shares
shall terminate upon the earlier of the sixth anniversary of the date of
issuance or thirty (30) days after the termination of Tompkins' employment and
the Landec Option as to 790,000 shares shall terminate upon the sixth
anniversary of the date of issuance or, if Tompkins employment with New Apio is
terminated other than by Involuntary Termination, thirty (30) days after the
termination of employment. In addition to the Landec Option, to the extent any
shares of Common Stock of Landec subject to any option granted to the Chief
Operating Officer of New Apio do not vest due to such Chief Operating Officer's
termination of employment, within five (5) years after the date of his hiring,
Landec agrees to grant an additional option for such number of unvested shares
of Landec Common Stock (not to exceed 150,000 shares) to Tompkins at the fair
market value of such stock at the time of such termination and Tompkins' right
to exercise such options shall vest in accordance with this Section 3(b).

          (c) RESTRICTIONS ON DISPOSITION. During the period commencing on the
date of issuance of the Landec Option and ending on the second anniversary
thereof, Tompkins agrees that he will not sell, make any short sale of, loan,
grant any option for the purchase of, or otherwise dispose of, or offer or agree
to do any of the foregoing, or in any other way reduce the risk of his ownership
of or investment in the shares of Landec Common Stock underlying the Landec
Option (the "LANDEC STOCK"), or any securities which may be paid as a dividend
or otherwise distributed thereon or with respect thereto or issued or delivered
in exchange or substitution therefor or any option, right or other interest with
respect to any of the Landec Stock or aforementioned securities.

                                      -2-

<PAGE>

          (d) NEW APIO STOCK OPTION. On the Effective Date, Tompkins will be
granted an option to purchase two million (2,000,000) shares of the Common Stock
of New Apio (the "OPTION"), with an exercise price equal to the fair market
value as of the Effective Date, as determined in good faith by New Apio's Board
of Directors in light of the Acquisition and the related contribution of certain
assets by Landec to New Apio, which represents ten percent (10%) of the
outstanding capital stock (including shares subject to the Option, but not
including any shares reserved for future issuance under any option plan for the
benefit of employees of and consultants to New Apio) as of the date of issuance.
The right to exercise the Option will vest at the rate of 1/5th of the shares
subject thereto on the first anniversary of the date of the grant and an
additional 1/60th of the shares subject thereto at the end of each one month
period thereafter (total vesting in 60 months), provided that as of each such
date, Tompkins' employment with New Apio has not been terminated. The Option
will be an Incentive Stock Option to the maximum extent allowed by the Internal
Revenue Code of 1986, as amended, and will be subject to the terms of the Stock
Option Agreement attached hereto as EXHIBIT B. The right to exercise the options
shall terminate upon the earlier of the tenth anniversary of the date of
issuance or thirty (30) days after the termination of Tompkins' employment.

          (e) BONUSES. Beginning one year after the date of this Agreement, New
Apio agrees, in good faith to evaluate the propriety of a bonus program for
Tompkins. Notwithstanding the foregoing, Tompkins' entitlement to any incentive
bonuses from New Apio is discretionary and shall be determined by the Board of
New Apio, or its Compensation Committee in good faith.

          (f) ADDITIONAL BENEFITS. During the Employment Term, Tompkins will be
eligible to participate in New Apio's employee benefit plans of general
application including, without limitation, those plans covering medical,
disability and life insurance in accordance with the rules established for
individual participation in any such plan and under applicable law. Tompkins
will be eligible for vacation and sick leave in accordance with the policies in
effect during the term of this Agreement and will receive such other benefits as
New Apio generally provides to its other employees of comparable position and
experience.

          (g) REIMBURSEMENT OF EXPENSES. Tompkins shall be authorized to incur
on behalf and for the benefit of, and shall be reimbursed by, New Apio for
reasonable expenses, provided that such expenses are substantiated in accordance
with New Apio policies.

          (h) INSURANCE PREMIUMS. During the Employment Term, Landec and New
Apio shall pay the premiums on the life insurance policies listed, with respect
to Tompkins, on Schedule 4.18 to the Purchase Agreement. Upon termination of
this Agreement, Tompkins shall have the option to purchase any such life
insurance policy for its then cash surrender value.

     4. REQUEST FOR REGISTRATION.

          If New Apio shall receive at any time after the third anniversary of
the Effective Date, a written request from Tompkins that New Apio file a
registration statement under the Securities Act of 1933 (the "Securities Act")
covering the registration of shares of the Common Stock of New Apio, then New
Apio shall, (a) subject to the terms and conditions set forth in the

                                      -3-

<PAGE>

Rights Agreement, use its best efforts to effect, as soon as practicable, the
registration under the Securities Act of all Common Stock of New Apio held by
Tompkins which the Tompkins requests to be registered in accordance with the
terms set forth in the Rights Agreement attached hereto as EXHIBIT C (the
"RIGHTS AGREEMENT"), and (b) agree to include New Shares (as defined in the
Rights Agreement) representing not greater than twenty percent (20%) of the then
outstanding capital stock of New Apio in such registration. The terms and
conditions of such rights of registration shall be governed by the Rights
Agreement.

     5. TERMINATION AND SEVERANCE BENEFITS.

          (a) TERMINATION OF EMPLOYMENT. This Agreement may be terminated:

               (i) By New Apio for Cause (as defined below) ("TERMINATION FOR
CAUSE");

               (ii) By Tompkins, on the effective date of a written notice sent
to New Apio from Tompkins stating that Tompkins is electing to terminate his
employment with New Apio ("VOLUNTARY TERMINATION"); or

               (iii) By Tompkins, on the effective date of a written notice sent
to New Apio from Tompkins stating that Tompkins' employment has been terminated
by a Constructive Termination (as defined below).

          (b) SEVERANCE BENEFITS. Tompkins shall be entitled to receive
severance benefits upon the termination of his employment only as set forth in
this Section 5(b):

               (i) VOLUNTARY TERMINATION. If Tompkins' relationship with New
Apio terminates by Voluntary Termination, then Tompkins shall not be entitled to
receive payment of severance benefits. Tompkins will receive payment(s) for all
salary and unpaid vacation accrued as of the date of Tompkins' termination of
employment and Tompkins' benefits will be continued under New Apio's then
existing benefit plans and policies in accordance with such plans and policies
in effect on the date of termination and in accordance with applicable law.

               (ii) INVOLUNTARY TERMINATION. If Tompkins' relationship with New
Apio is terminated by a Constructive Termination (as defined below) or for any
reason other than by reason of Tompkins' Voluntary Termination or a Termination
for Cause, including the death or permanent disability of Tompkins (an
"INVOLUNTARY TERMINATION"), provided that at no time during the Severance Period
is Tompkins in violation of any material term of this Agreement, including
without limitation, the non-competition provisions hereof, Tompkins or his
estate will be entitled to receive payment of severance benefits equal to
Tompkins' regular monthly salary from the date of such Involuntary Termination
until the expiration of the Employment Term (the "SEVERANCE PERIOD"). Such
payments shall be made ratably over the Severance Period according to New Apio's
standard payroll schedule. In such event, Tompkins will also be entitled to
receive payment on the date of termination of any bonus payable under Section
3(e) pro-rated for the period during which Tompkins was employed as compared
with the period for which the bonus

                                      -4-
<PAGE>

was being earned. Under such circumstances, health insurance benefits with the
same coverage provided to Tompkins prior to the termination (e.g. medical,
dental, optical, mental health) and in all other respects significantly
comparable to those in place immediately prior to the termination will be
provided at New Apio's cost until the end of the Employment Term. The foregoing
benefits are the only benefits that Tompkins shall be entitled to receive in
connection with an Involuntary Termination and state the maximum collective
liability of Landec and New Apio with respect to the termination of the
employment of Tompkins.

               (iii) TERMINATION FOR CAUSE. If Tompkins' employment is
terminated for Cause, then Tompkins shall not be entitled to receive payment of
any severance benefits. Tompkins will receive payment(s) for all salary and
unpaid vacation accrued as of the date of Tompkins' termination of employment
and Tompkins' benefits will be continued under New Apio's then existing benefit
plans and policies in accordance with such plans and policies in effect on the
date of termination and in accordance with applicable law.

               (iv) CONSTRUCTIVE TERMINATION. A "CONSTRUCTIVE TERMINATION" shall
be deemed to occur if: (A) (1) there is a material change in Tompkins' position
causing such position to be of materially less stature or of less
responsibility, (2) there is a material breach by New Apio of any of its
obligations hereunder, or (3) Tompkins is required as a condition of his
continued employment with New Apio to relocate to a facility or location more
than fifty (50) miles from the location of employment designated for Tompkins as
of the Effective Date; and (B) within the sixty (60) day period immediately
following such a change, reduction or required relocation, Tompkins elects to
terminate his employment voluntarily.

               (v)  CAUSE. For purposes of this Agreement, "CAUSE" for Tompkins'
                    termination will exist at any time after the happening of
                    one or more of the following events:

                    (A) Tompkins' willful misconduct or gross negligence in
performance of his duties hereunder;

                    (B) Tompkins' repeated or unjustified unavailability to
perform his duties in accordance with this Agreement, which is not cured within
thirty (30) days of written notice from New Apio to Tompkins in accordance with
the terms hereof;

                    (C) Tompkins' dishonest or fraudulent conduct, a deliberate
attempt to do an injury to New Apio or Landec or intentional, reckless or
grossly negligent conduct that materially discredits New Apio or Landec or is
materially detrimental to the reputation of New Apio or Landec, including,
without limitation, conviction of a felony;

                    (D) Tompkins' breach of any element of the Confidentiality
Agreement (as defined below), including without limitation, Tompkins' theft or
other misappropriation of New Apio's or Landec's proprietary information; or

                    (E) Tompkins' breach of any material provision of this
Agreement, including without limitation any of the non-competition provisions
hereof, in any

                                      -5-

<PAGE>

other respect than as described above, which Tompkins fails to cure within ten
(10) days of receipt of written notice from Landec identifying such breach.

     6. AGREEMENT NOT TO COMPETE.

          (a) EXPERIENCE AND SKILL OF TOMPKINS. As a principal agent of the
Business, Tompkins has been actively involved in the management of the Business
for many years and has thereby acquired considerable experience and skill.
Landec and New Apio wish to protect their investment in the Business by
restricting the activities of Tompkins which might compete with or otherwise
harm such Business, and as part of the consideration and inducement to Landec
and New Apio for acquiring the Business, Tompkins is willing to agree to and
abide by such restrictions as hereinafter provided.

          (b) COVENANT NOT TO COMPETE.

               (i) GENERAL. Tompkins acknowledges that he holds a substantial
fraction of the ownership interest in the Business. Tompkins further
acknowledges that the value of the consideration paid by New Apio in connection
with the Acquisition is substantial and that preservation of the goodwill
associated with the Business is a part of the consideration which New Apio and
Landec are receiving in the Acquisition. Landec and New Apio desire that
Tompkins enter into a non-competition agreement with New Apio as set forth in
this section and Tompkins is willing to agree to such non-competition provisions
as set forth herein. The Sellers (as defined in the Purchase Agreement) and
Tompkins agree that such non-competition provisions are separately bargained-for
consideration and are material inducements to Landec and New Apio to consummate
the Acquisition.

               (ii) NON-COMPETE. In connection with the Acquisition, Tompkins
agrees that, for a period of five (5) years following the Closing (the
"RESTRICTION PERIOD"), except (i) as an employee or consultant of Landec, New
Apio or another subsidiary of Landec or New Apio or (ii) to the extent necessary
in connection with the liquidation of any Unacquired Party (as defined in the
Purchase Agreement), Tompkins will not own, operate, manage, or provide
consulting services to, or be an employee of, or own an interest in, or be a
proprietor, owner, partner, stockholder, director, officer, employee,
consultant, agent or representative of, a person, corporation, partnership or
other entity, including, without limitation, a family member, which owns,
operates, manages, or provides consulting services to, or in any other way
provides services to, either directly or indirectly, any business or businesses
engaged in the "RESTRICTED BUSINESS" in a "RESTRICTED TERRITORY" (as such terms
are defined below). Notwithstanding the foregoing, nothing contained in this
Section shall prohibit Tompkins from making investments in any corporation whose
securities are regularly and publicly traded on a national stock exchange or the
Nasdaq National Market, provided that such investments shall not result in his
owning beneficially at any time five percent (5%) or more of the equity
securities of any corporation which is engaged in the Restricted Business.

                                      -6-

<PAGE>

               (iii) CERTAIN DEFINITIONS. For purposes of this Section 6:

                    (A) "PRODUCE" shall mean as of any point in time, any food
product of the type which is then being regularly processed or sold by New Apio.

                    (B) "RESTRICTED BUSINESS" shall mean the harvesting,
packing, cooling and distribution of Produce or the farming, leasing or
subleasing of farm land on which Produce is grown other than for subsequent sale
to or processing by New Apio.

                    (C) "RESTRICTED TERRITORY" shall mean the counties, cities
and states of the United States of America, including, without limitation,
California, and each political subdivision and/or nation of Canada, Mexico,
Asia, Europe, and Central and South America.

               (iv) SOLICITATION. During the Restriction Period, Tompkins shall
not (i) engage or participate in any effort or act to solicit customers,
suppliers, associates or employees of New Apio to cease doing business, or their
association or employment with New Apio, or (ii) interfere in any manner in the
contractual or employment relationship between Landec, New Apio and any
customer, supplier, associate or employee of Landec or New Apio.

               (v) REFORMATION. In the event that the provisions of this Section
should ever be deemed by a court of competent jurisdiction to exceed the scope,
time or geographic limitations of applicable law regarding covenants not to
compete, then such provisions shall be automatically reformed to the maximum
scope, time or geographic limitations, as the case may be, permitted by
applicable laws.

          (c) CONSIDERATION FOR COVENANT NOT TO COMPETE. The sole consideration
for Tompkins' faithful performance of his obligations set forth in this
Agreement is the willingness of New Apio and Landec to consummate the
Acquisition.

          (d) REPRESENTATIONS OF TOMPKINS. Tompkins represents that: (i) he is
familiar with the covenants not to compete and not to solicit set forth in this
Agreement, (ii) he is fully aware of his obligations under this Agreement,
including, without limitation, the length of time, scope and geographic coverage
of these covenants, (iii) he is receiving specific, bargained-for consideration
for his covenants not to compete and not to solicit, and (iv) execution of this
Agreement, and performance of Tompkins' obligations under this Agreement, will
not conflict with, or result in a violation or breach of, any other agreement to
which Tompkins is a party or any judgment, order or decree to which Tompkins is
subject.

          (e) BREACH. Tompkins acknowledges that in the event of breach of any
of the provisions of this Agreement by Tompkins, Landec and New Apio would
sustain irreparable harm, and, therefore, Tompkins agrees that in addition to
any other remedies which Landec or New Apio may have under this Agreement or
otherwise, New Apio shall be entitled to obtain equitable relief, including
specific performance and injunctions restraining Tompkins from committing or
continuing any such violation of this Section.

                                      -7-

<PAGE>

          (f) REASONABLENESS OF RESTRICTIONS. Tompkins acknowledges that the
length, scope and geographic coverage to which the restrictions imposed in this
Section shall apply are fair and reasonable and are reasonably required for the
protection of Landec and New Apio and that the definition of Restricted Business
used in this Agreement conforms to the Business as currently conducted or
proposed to be conducted.

     7. ELECTION TO NEW APIO'S BOARD OF DIRECTORS. During the Employment Term,
and so long as (a) Tompkins remains the Chief Executive Officer of New Apio, and
(b) Tompkins has not breached any of the material terms of this Agreement,
including without limitation, the non-competition provisions hereof, Landec will
vote such shares of New Apio as are held by it, so as to cause Tompkins to be
elected to New Apio's Board of Directors.

     8. CONFIDENTIALITY AGREEMENT. Tompkins shall sign, or has signed, a
Proprietary Information and Assignment of Inventions Agreement (the
"CONFIDENTIALITY AGREEMENT") substantially in the form attached hereto as
EXHIBIT D. Tompkins hereby represents and warrants to New Apio that he has
complied with all obligations under the Confidentiality Agreement and agrees to
continue to abide by the terms of the Confidentiality Agreement and further
agrees that the provisions of the Confidentiality Agreement shall survive any
termination of this Agreement or of Tompkins' employment with New Apio in
accordance with the terms thereof.

     9. CONFLICTS. Tompkins represents that his performance of all the terms of
this Agreement will not breach any other agreement to which Tompkins is a party.
Tompkins has not, and will not during the term of this Agreement, enter into any
oral or written agreement in conflict with any of the provisions of this
Agreement. Tompkins further represents that he is entering into or has entered
into an employment relationship with New Apio of his own free will.

     10. MISCELLANEOUS PROVISIONS.

          (a) AMENDMENTS AND WAIVERS. Any term of this Agreement may be amended
or waived only with the written consent of the parties.

          (b) NOTICES. Any notice required or permitted by this Agreement shall
be in writing and shall be deemed sufficient upon receipt, when delivered
personally or by a nationally-recognized delivery service (such as Federal
Express or UPS), or forty-eight (48) hours after being deposited in the U.S.
mail as certified or registered mail with postage prepaid, if such notice is
addressed to the party to be notified at such party's address as set forth below
or as subsequently modified by written notice.

          (c) CHOICE OF LAW. The validity, interpretation, construction and
performance of this Agreement shall be governed by the laws of the State of
California, without giving effect to the principles of conflict of laws.

          (d) SEVERABILITY. The parties intend that the covenants contained in
Section 6 shall be construed as a series of separate covenants, one for each
county, city, state, nation, and other political subdivision of the Restricted
Territory. It is the intent of the parties that the covenants set forth herein
be enforced to the maximum degree permitted by applicable law.

                                      -8-

<PAGE>

Except for geographic coverage, each such separate covenant shall be deemed
identical in terms to the covenant contained in the preceding paragraphs. If, in
any judicial proceeding, a court shall refuse to enforce any of the separate
covenants (or any part thereof) deemed included in Section 6, then such
unenforceable covenant (or such part) shall be deemed eliminated from this
Agreement for the purpose of those proceedings to the extent necessary to permit
the remaining separate covenants (or portions thereof) to be enforced by such
court. If one or more of the other provisions of this Agreement are held to be
unenforceable under applicable law, the parties agree to renegotiate such
provision in good faith. In the event that the parties cannot reach a mutually
agreeable and enforceable replacement for such provision, then (i) such
provision shall be excluded from this Agreement, (ii) the balance of the
Agreement shall be interpreted as if such provision were so excluded and (iii)
the balance of the Agreement shall be enforceable in accordance with its terms.

          (e) COUNTERPARTS. This Agreement may be executed in counterparts, each
of which shall be deemed an original, but all of which together will constitute
one and the same instrument.

          (f) ARBITRATION. Any dispute or claim arising out of or in connection
with this Agreement will be finally settled by binding arbitration in San Jose,
California in accordance with the Commercial Arbitration rules of the American
Arbitration Association by one arbitrator appointed in accordance with said
rules. The arbitrator shall apply California law, without reference to rules of
conflicts of law or rules of statutory arbitration, to the resolution of any
dispute. Judgment on the award rendered by the arbitrator may be entered in any
court having jurisdiction thereof. Notwithstanding the foregoing, the parties
may apply to any court of competent jurisdiction for preliminary or interim
equitable relief, or to compel arbitration in accordance with this paragraph,
without breach of this arbitration provision. This Section 10(f) shall not apply
to the Confidentiality Agreement. The prevailing party in any such arbitration
shall be entitled to an award of attorneys' fees and costs of the arbitration
against the other party.

          (g) ADVICE OF COUNSEL. EACH PARTY TO THIS AGREEMENT ACKNOWLEDGES THAT,
IN EXECUTING THIS AGREEMENT, SUCH PARTY HAS HAD THE OPPORTUNITY TO SEEK THE
ADVICE OF INDEPENDENT LEGAL COUNSEL, AND HAS READ AND UNDERSTOOD ALL OF THE
TERMS AND PROVISIONS OF THIS AGREEMENT. THIS AGREEMENT SHALL NOT BE CONSTRUED
AGAINST ANY PARTY BY REASON OF THE DRAFTING OR PREPARATION HEREOF.

          (h) WAIVER OF JURY TRIAL. TO THE FULLEST EXTENT PERMITTED BY LAW, EACH
OF THE PARTIES WAIVES ANY RIGHT TO TRIAL BY JURY THAT THE PARTIES MAY HAVE IN
ANY ACTION OR PROCEEDING IN CONNECTION WITH THIS AGREEMENT OR THE TRANSACTIONS
RELATED HERETO.

          (i) ENTIRE AGREEMENT. This Agreement, together with all attachments
hereto, the Purchase Agreement and all attachments thereto, and the
Indemnification Agreement between Tompkins and Landec, represents the entire
agreement of the parties with respect hereto and thereto, and merge all prior
negotiations and drafts of the parties with regard to the

                                      -9-

<PAGE>

transactions contemplated herein and therein. Any and all other written or oral
agreements existing between the parties hereto regarding such transactions are
expressly canceled.

                                      -10-

<PAGE>

     The parties have executed this Employment and Non-Competition Agreement the
date first written above.

                                LANDEC CORPORATION

                                -------------------------------------------
                                Gary T. Steele, President & CEO

                                Address:    3603 Haven Avenue
                                            Menlo Park, California 94025

                                BUSH ACQUISITION CORPORATION

                                -------------------------------------------
                                Gary T. Steele, President & CEO

                                Address:    3603 Haven Avenue
                                            Menlo Park, California 94025

                                -------------------------------------------
                                Nicholas Tompkins

                                Address:    193 Oak Grove Lane
                                            Arroyo Grande, California 93420

                [SIGNATURE PAGE TO TOMPKINS EMPLOYMENT AGREEMENT]

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