Document:

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                                                                    Exhibit 10.4

                               OPEN SOLUTIONS INC.

                        2003 EMPLOYEE STOCK PURCHASE PLAN

The purpose of this Plan is to provide eligible employees of Open Solutions Inc.
(the "Company") and certain of its subsidiaries with opportunities to purchase
shares of the Company's common stock, $0.01 par value (the "Common Stock"). Two
million (2,000,000) shares of Common Stock in the aggregate have been approved
for this purpose. This Plan is intended to qualify as an "employee stock
purchase plan" as defined in Section 423 of the Internal Revenue Code of 1986,
as amended (the "Code"), and the regulations promulgated thereunder, and shall
be interpreted consistent therewith.

      1. Administration. The Plan will be administered by the Company's Board of
Directors (the "Board") or by one or more committees or subcommittees appointed
by the Board (a "Committee"). The Board or a Committee has authority to make
rules and regulations for the administration of the Plan and its interpretation
and decisions with regard thereto shall be final and conclusive.

      2. Eligibility. All employees of the Company, including Directors who are
employees, and all employees of any subsidiary of the Company (as defined in
Section 424(f) of the Code) designated by the Board or a Committee from time to
time (a "Designated Subsidiary"), are eligible to participate in any one or more
of the offerings of Options (as defined in Section 9) to purchase Common Stock
under the Plan provided that:

            (a) they are customarily employed by the Company or a Designated
      Subsidiary for more than 20 hours a week and for more than five months in
      a calendar year; and

            (b) they are employees of the Company or a Designated Subsidiary on
      the first day of the applicable Plan Period (as defined below).

      No employee may be granted an option hereunder if such employee,
immediately after the option is granted, owns 5% or more of the total combined
voting power or value of the stock of the Company or any subsidiary. For
purposes of the preceding sentence, the attribution rules of Section 424(d) of
the Code shall apply in determining the stock ownership of an employee, and all
stock which the employee has a contractual right to purchase shall be treated as
stock owned by the employee.

      3. Offerings. The Company will make one or more offerings ("Offerings") to
employees to purchase stock under this Plan. Offerings will begin each December
1 and June 1, or the first business day thereafter (the "Offering Commencement
Dates"). Each Offering Commencement Date will begin a six-month period (a "Plan
Period") during which payroll deductions will be made and held for the purchase
of Common Stock at the end of the Plan Period. The Board or a Committee may, at
its discretion, choose a different Plan Period of twelve (12) months or less for
subsequent Offerings. Notwithstanding anything to the contrary, the first Plan
Period shall begin on December 1, 2003 and end on May 31, 2004.

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      4. Participation. An employee eligible on the Offering Commencement Date
of any Offering may participate in such Offering by completing and forwarding a
payroll deduction authorization form to the employee's appropriate payroll
office at least ten days prior to the applicable Offering Commencement Date. The
form will authorize a regular payroll deduction from the Compensation received
by the employee during the Plan Period. Unless an employee files a new form or
withdraws from the Plan, his deductions and purchases will continue at the same
rate for future Offerings under the Plan as long as the Plan remains in effect.
The term "Compensation" means the amount of money reportable on the employee's
Federal Income Tax Withholding Statement.

      5. Deductions. The Company will maintain payroll deduction accounts for
all participating employees. With respect to any Offering made under this Plan,
an employee may authorize a payroll deduction in any dollar amount up to a
maximum of 10% of the Compensation he or she receives during the Plan Period or
such shorter period during which deductions from payroll are made. Payroll
deductions may be at the rate of 2%, 4%, 6%, 8% or 10% of Compensation with any
change in compensation during the Plan Period to result in an automatic
corresponding change in the dollar amount withheld.

      6. Deduction Changes. An employee may increase, decrease or discontinue
his payroll deduction during any Plan Period by filing a new payroll deduction
authorization form. If an employee elects to discontinue his payroll deductions
during a Plan Period, but does not elect to withdraw his funds pursuant to
Section 8 hereof, funds deducted prior to his election to discontinue will be
applied to the purchase of Common Stock on the Exercise Date (as defined below).

      7. Interest. Interest will not be paid on any employee accounts, except to
the extent that the Board or a Committee, in its sole discretion, elects to
credit employee accounts with interest at such per annum rate as it may from
time to time determine.

      8. Withdrawal of Funds. An employee may at any time prior to the close of
business on the last business day in a Plan Period and for any reason
permanently draw out the balance accumulated in the employee's account and
thereby withdraw from participation in an Offering. Partial withdrawals are not
permitted. The employee may not begin participation again during the remainder
of the Plan Period. The employee may participate in any subsequent Offering in
accordance with terms and conditions established by the Board or a Committee.

      9. Purchase of Shares. On the Offering Commencement Date of each Plan
Period, the Company will grant to each eligible employee who is then a
participant in the Plan an option ("Option") to purchase on the last business
day of such Plan Period (the "Exercise Date"), at the Option Price hereinafter
provided for, the largest number of whole shares of Common Stock of the Company
as does not exceed the number of shares determined by multiplying $2,083 by the
number of full months in the Plan Period and dividing the result by the closing
price (as defined below) on the Offering Commencement Date of such Plan Period.

      Notwithstanding the above, no employee may be granted an Option (as
defined in Section 9) which permits his rights to purchase Common Stock under
this Plan and any other employee stock purchase plan (as defined in Section
423(b) of the Code) of the Company and its

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subsidiaries, to accrue at a rate which exceeds $25,000 of the fair market value
of such Common Stock (determined at the Offering Commencement Date of the Plan
Period) for each calendar year in which the Option is outstanding at any time.

      The purchase price for each share purchased will be 85% of the closing
price of the Common Stock on (i) the first business day of such Plan Period or
(ii) the Exercise Date, whichever closing price shall be less. Such closing
price shall be (a) the closing price on any national securities exchange on
which the Common Stock is listed, (b) the closing price of the Common Stock on
the Nasdaq National Market or (c) the average of the closing bid and asked
prices in the over-the-counter-market, whichever is applicable, as published in
The Wall Street Journal. If no sales of Common Stock were made on such a day,
the price of the Common Stock for purposes of clauses (a) and (b) above shall be
the reported price for the next preceding day on which sales were made.

      Each employee who continues to be a participant in the Plan on the
Exercise Date shall be deemed to have exercised his Option at the Option Price
on such date and shall be deemed to have purchased from the Company the number
of full shares of Common Stock reserved for the purpose of the Plan that his
accumulated payroll deductions on such date will pay for, but not in excess of
the maximum number determined in the manner set forth above.

      Any balance remaining in an employee's payroll deduction account at the
end of a Plan Period will be automatically refunded to the employee, except that
any balance which is less than the purchase price of one share of Common Stock
will be carried forward into the employee's payroll deduction account for the
following Offering, unless the employee elects not to participate in the
following Offering under the Plan, in which case the balance in the employee's
account shall be refunded.

      10. Issuance of Certificates. Certificates representing shares of Common
Stock purchased under the Plan may be issued only in the name of the employee,
in the name of the employee and another person of legal age as joint tenants
with rights of survivorship, or (in the Company's sole discretion) in the name
of a brokerage firm, bank or other nominee holder designated by the employee.
The Company may, in its sole discretion and in compliance with applicable laws,
authorize the use of book entry registration of shares in lieu of issuing stock
certificates.

      11. Rights on Retirement, Death or Termination of Employment. In the event
of a participating employee's termination of employment prior to the last
business day of a Plan Period, no payroll deduction shall be taken from any pay
due and owing to an employee and the balance in the employee's account shall be
paid to the employee or, in the event of the employee's death, (a) to a
beneficiary previously designated in a revocable notice signed by the employee
(with any spousal consent required under state law) or (b) in the absence of
such a designated beneficiary, to the executor or administrator of the
employee's estate or (c) if no such executor or administrator has been appointed
to the knowledge of the Company, to such other person(s) as the Company may, in
its discretion, designate. If, prior to the last business day of the Plan
Period, the Designated Subsidiary by which an employee is employed shall cease
to be a subsidiary of the Company, or if the employee is transferred to a
subsidiary of the Company that

                                      -3-
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is not a Designated Subsidiary, the employee shall be deemed to have terminated
employment for the purposes of this Plan.

      12. Optionees Not Stockholders. Neither the granting of an Option to an
employee nor the deductions from his pay shall constitute such employee a
stockholder of the shares of Common Stock covered by an Option under this Plan
until such shares have been purchased by and issued to him.

      13. Rights Not Transferable. Rights under this Plan are not transferable
by a participating employee other than by will or the laws of descent and
distribution, and are exercisable during the employee's lifetime only by the
employee.

      14. Application of Funds. All funds received or held by the Company under
this Plan may be combined with other corporate funds and may be used for any
corporate purpose.

      15. Adjustment in Case of Changes Affecting Common Stock. In the event of
a subdivision of outstanding shares of Common Stock, or the payment of a
dividend in Common Stock, the number of shares approved for this Plan, and the
share limitation set forth in Section 9, shall be increased proportionately, and
such other adjustment shall be made as may be deemed equitable by the Board or a
Committee. In the event of any other change affecting the Common Stock, such
adjustment shall be made as may be deemed equitable by the Board or a Committee
to give proper effect to such event.

      16. Merger. If the Company shall at any time merge or consolidate with
another corporation and the holders of the capital stock of the Company
immediately prior to such merger or consolidation continue to hold at least 80%
by voting power of the capital stock of the surviving corporation ("Continuity
of Control"), the holder of each Option then outstanding will thereafter be
entitled to receive at the next Exercise Date upon the exercise of such Option
for each share as to which such Option shall be exercised the securities or
property which a holder of one share of the Common Stock was entitled to upon
and at the time of such merger or consolidation, and the Board or a Committee
shall take such steps in connection with such merger or consolidation as the
Board or a Committee shall deem necessary to assure that the provisions of
Section 15 shall thereafter be applicable, as nearly as reasonably may be, in
relation to the said securities or property as to which such holder of such
Option might thereafter be entitled to receive thereunder.

      In the event of a merger or consolidation of the Company with or into
another corporation which does not involve Continuity of Control, or of a sale
of all or substantially all of the assets of the Company while unexercised
Options remain outstanding under the Plan, (a) subject to the provisions of
clauses (b) and (c), after the effective date of such transaction, each holder
of an outstanding Option shall be entitled, upon exercise of such Option, to
receive in lieu of shares of Common Stock, shares of such stock or other
securities as the holders of shares of Common Stock received pursuant to the
terms of such transaction; or (b) all outstanding Options may be cancelled by
the Board or a Committee as of a date prior to the effective date of any such
transaction and all payroll deductions shall be paid out to the participating
employees; or (c) all outstanding Options may be cancelled by the Board or a
Committee as of the effective date of any such transaction, provided that notice
of such

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cancellation shall be given to each holder of an Option, and each holder of an
Option shall have the right to exercise such Option in full based on payroll
deductions then credited to his account as of a date determined by the Board or
a Committee, which date shall not be less than ten (10) days preceding the
effective date of such transaction.

      17. Amendment of the Plan. The Board may at any time, and from time to
time, amend this Plan in any respect, except that (a) if the approval of any
such amendment by the stockholders of the Company is required by Section 423 of
the Code, such amendment shall not be effected without such approval, and (b) in
no event may any amendment be made which would cause the Plan to fail to comply
with Section 423 of the Code.

      18. Insufficient Shares. In the event that the total number of shares of
Common Stock specified in elections to be purchased under any Offering plus the
number of shares purchased under previous Offerings under this Plan exceeds the
maximum number of shares issuable under this Plan, the Board or a Committee will
allot the shares then available on a pro rata basis.

      19. Termination of the Plan. This Plan may be terminated at any time by
the Board. Upon termination of this Plan all amounts in the accounts of
participating employees shall be promptly refunded.

      20. Governmental Regulations. The Company's obligation to sell and deliver
Common Stock under this Plan is subject to listing on a national stock exchange
or quotation on the Nasdaq National Market (to the extent the Common Stock is
then so listed or quoted) and the approval of all governmental authorities
required in connection with the authorization, issuance or sale of such stock.

      21. Governing Law. The Plan shall be governed by Delaware law except to
the extent that such law is preempted by federal law.

      22. Issuance of Shares. Shares may be issued upon exercise of an Option
from authorized but unissued Common Stock, from shares held in the treasury of
the Company, or from any other proper source.

      23. Notification upon Sale of Shares. Each employee agrees, by entering
the Plan, to promptly give the Company notice of any disposition of shares
purchased under the Plan where such disposition occurs within two years after
the date of grant of the Option pursuant to which such shares were purchased.

      24. Withholding. Each employee shall, no later than the date of the event
creating the tax liability, make provision satisfactory to the Board for payment
of any taxes required by law to be withheld in connection with any transaction
related to Options granted to or shares acquired by such employee pursuant to
the Plan. The Company may, to the extent permitted by law, deduct any such taxes
from any payment of any kind otherwise due to an employee.

                                      -5-
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      25. Effective Date and Approval of Shareholders. The Plan shall take
effect upon the effectiveness of the Company's registration statement under the
Securities Act relating to the IPO, subject to approval by the stockholders of
the Company as required by Section 423 of the Code, which approval must occur
within twelve months of the adoption of the Plan by the Board.

                                    Adopted by the Board of Directors
                                    on August 27, 2003

                                    Approved by the stockholders on
                                    October 6, 2003

                                      -6-<PAGE>

                                                                    EXHIBIT 10.9

          Confidential Materials omitted and filed separately with the
         Securities and Exchange Commission. Asterisks denote omissions.

                           SOFTWARE LICENSE AGREEMENT

This Software License Agreement (the "Agreement") is entered into as of
September 1, 2003 (the "Effective Date") by and between BISYS, Inc. ("BISYS"), a
Delaware corporation with its principal place of business at 90 Park Avenue, New
York, New York 10016 and Open Solutions Inc. ("OSI"), a Delaware corporation
with its principal place of business at 300 Winding Brook Drive, Glastonbury, CT
06033 (each a "Party", and collectively the "Parties").

                                    Recitals

A. BISYS, through its Banking Division, is a leading provider of comprehensive
   data processing outsourcing solutions to financial institutions;

B. OSI is the developer and owner of The Complete Banking Solution(R) and The
   Complete Commercial Banking Solution(TM) software system and is a leading
   supplier of client/server software and information services to financial
   institutions;

C. OSI and BISYS are parties to that certain Software License and Marketing and
   Distribution Agreement dated August 20, 1997, as amended (the "Original
   Agreement"), and wish to amend, restate, replace and supersede the Original
   Agreement in its entirety by replacing it with this Agreement;

D. Sound Software Development, Inc. ("Sound"), a wholly-owned subsidiary of OSI,
   and BISYS are parties to that certain Referral Agreement dated December 19,
   2001 (the "Sound Agreement"), and Sound and BISYS wish to have this Agreement
   amend, restate, replace and supersede the Sound Agreement as of the Effective
   Date of this Agreement; and

E. The Parties have agreed that BISYS may provide data processing outsourcing
   services to certain financial institutions utilizing OSI's software as
   provided in this Agreement.

Now, therefore, in consideration of the mutual obligations set forth herein, the
Parties agree as follows:

1.       Definitions.

1.1      Ancillary Product(s) - shall mean the machine-readable, compiled object
code format of certain software products and processing services offered by OSI,
other than the Licensed Software, as listed Schedule 1.1, which BISYS shall
offer to its Customers and TotalPlus Customers as its exclusive offering for
such products.

Confidential                                                        Page 1 of 74

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1.2      Annual Measuring Period - shall mean a fiscal year of this Agreement,
commencing October 1 of each year and consisting of four consecutive calendar
quarters.

1.3      Change of Control - shall mean with respect to a particular Party (i)
the consummation of a merger or consolidation of that Party with another entity,
in one or more related transactions such that the owners of interests (shares or
otherwise) of the Party immediately prior to such transaction do not own at
least 50% of the ownership interests of the surviving entity immediately
following the consummation of the transaction(s); (ii) the sale of all, or
substantially all, of the assets of the Party; or (iii) the acquisition by any
person (including a group within the meaning of Section 13(d) or 14(d) of the
Securities Exchange Act of 1934, as amended) of the actual or beneficial
ownership of 50% or more of the outstanding ownership interests of the Party.
For the purposes of this Agreement a sale of shares of OSI as part of an
offering to the general public, whether in an initial public offering, or in any
subsequent supplemental, secondary or other public offering, shall not be deemed
to constitute or result in a "change in control" for purposes of this Agreement
even if it results in a change of actual or beneficial ownership otherwise
meeting the requirements set forth in this paragraph.

1.4      Conversion - shall mean the process of converting a new Customer's data
to the System, and otherwise implementing the System for use by a Customer or,
in the case of an Ancillary Product, the process of implementing the Ancillary
Product for use by a Customer or TotalPlus Customer.

1.5      Conversion Date - shall mean, in the case of the System, unless
otherwise agreed by the Parties in an individual case, the earlier of: (a) the
date on which Live Production (as defined below) begins, or (b) one hundred
eighty (180) days from the date of the agreement between BISYS and the Customer
relating to use of the System. "Live production" shall mean the time when
Customer uses the System or portions thereof to execute transactions, produce
reports or retrieve information from the Licensed Software on a regular basis
other than exclusively for test purposes. In the case of Ancillary Products,
unless otherwise agreed by the Parties in an individual case, the Conversion
Date shall mean the earlier of (a) the date on which the Ancillary Product is
delivered or made accessible to the Customer for use, or (b) one hundred eighty
(180) days from the date of the agreement between BISYS and a Customer relating
to use of the applicable Ancillary Product.

1.6      Customer - shall mean a Financial Institution for which BISYS
contractually provides Outsourcing Services using the System.

1.7      Documentation - shall mean all user manuals, system guides, and
specifications for the System. OSI will from time to time provide BISYS with
written copies of the results of the most recent benchmarking activities, if
any, within thirty (30) days of receipt of any report relating to such
activities.

1.8      Financial Institution - shall mean (i) all classes of United States
federal or state chartered banks only, including commercial banks, savings
banks, mutual savings banks, thrift institutions, savings and loan associations,
and branches thereof, and (ii) non-bank entities which sell financial products,
including, without limitation, insurance companies and investment firms. No

Confidential                                                        Page 2 of 74

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other entity or type of financial institution, such as but not limited to credit
unions, is included within this definition of Financial Institution.

1.9      Initial Period -- shall mean the period commencing with the Effective
Date and ending September 30, 2003.

1.10     License Fees - shall mean the Customer License Fees, Higher Level
License Fees and Ancillary Products Fees payable by BISYS to OSI pursuant to
Section 8(c).

1.11     Licensed Software - means the machine-readable, compiled object code
format of OSI's The Complete Banking Solution(R) and The Complete Commercial
Banking Solution (TM) (when it becomes generally available to OSI's customers)
together with alL modifications and updates to such software products (including
a software product which is a combination of the features and functions of The
Complete Banking Solution(R) and The Complete Commercial Banking Solution(R)
products), which OSI's makes generalLy available to Financial Institutions from
time to time during the Term or Renewal Term of this Agreement and initially
identified on Schedule 1.11 hereto.

1.12     List Price - shall mean the list price of the Licensed Software
(including interfaces), the Ancillary Products, and any Third Party Software
based on the price lists shown on the attached Schedule 1.1 (for Ancillary
Software) and Schedule 1.12 (for Licensed Software and Third Party Software) as
may be modified by OSI from time to time as provided in Section 8(a).

1.13     Master Copy - shall mean a current copy of the machine readable,
compiled object code form of the Licensed Software and Ancillary Products.

1.14     OSI Source Code - shall mean the source code form of the software
products included in the Licensed Software and Ancillary Products, which are
owned or developed by OSI.

1.15     Outsourcing Services - shall mean data processing and other information
processing services for a Financial Institution provided remotely by BISYS using
the System at BISYS' data center facilities.

1.16     System - shall mean the Licensed Software in a Microsoft Windows
NT/2000/Unix operating system environment (and any other mutually agreed upon
operating systems) including any Third Party Software, as it may exist from time
to time during the term of this Agreement.

1.17     Territory - shall mean those states in the United States more fully set
forth in Schedule 1.17.

1.18     TotalPlus Customer(s) - shall mean a Financial Institution customer(s)
of BISYS's TotalPlus system, or any other software products containing similar
core data processing functionality for Financial Institutions, provided on an
outsourcing basis by BISYS in the Territory.

Confidential                                                        Page 3 of 74

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1.19     Third Party Software - shall mean the software, in machine-readable,
compiled object code format only, owned by third parties, sublicensed by OSI to
BISYS that is interfaced into the Licensed Software.

2.       Grant and Acceptance of Software and Trademark License.

(a)      License to System. Subject to the terms and conditions of this
Agreement, OSI hereby grants to BISYS and BISYS hereby accepts from OSI a
non-exclusive, non-transferable license and concurrent right to market and
sublicense the System to provide Outsourcing Services to Financial Institutions
in the Territory unmodified from the version(s) provided by OSI from time to
time, in object code form only. BISYS is prohibited from sub-licensing any of
its rights or delegating any of its duties under this Agreement.

(b)      License to Ancillary Products. Subject to the terms and conditions of
this Agreement, OSI hereby grants to BISYS and BISYS hereby accepts from OSI a
non-exclusive, non-transferable license and concurrent right to market,
sublicense and provide the Ancillary Products to Customers and TotalPlus
Customers located in the Territory by either (i) providing Outsourcing Services
using unmodified version(s) of the Ancillary Products provided by OSI from time
to time, in object code form only, (ii) distributing the Ancillary Products in
unmodified object code form only pursuant to written license agreements with
Customers and TotalPlus Customers, or (iii) for Ancillary Products which are
services, making such services available to Customers and TotalPlus Customers in
unaltered form. Except for Ancillary Products sublicensed by BISYS to its
Customers and TotalPlus Customers as permitted in this Section 2(b), BISYS is
prohibited from sublicensing any of its rights or delegating any of its duties
under this Agreement.

(c)      License to Trademarks. Subject to the terms and conditions of this
Agreement, OSI hereby grants to BISYS and BISYS hereby accepts from OSI a
non-exclusive and non-transferable right to use the OSI trade names "OSI", "Open
Solutions Inc.", and "The Complete Banking Solution(R)", and The Complete
Commercial Banking Solution(TM) trademarks (the "Marks") during the term of this
AgreeMent for the sole purpose of the promotion and marketing Outsourcing
Services using the System in the Territory. BISYS shall use and reproduce the
Marks and proprietary rights notices on the products and services provided by
BISYS to the Customer that contain any OSI trade secrets, the Marks or
copyrights in accordance with OSI's specifications and shall inure to the
benefit of OSI. Any and all OSI trademarks and trade names, which BISYS uses in
connection with the rights granted hereunder, are and remain the exclusive
property of OSI. Nothing herein shall prohibit or otherwise limit BISYS from
promoting and marketing the System as a product offered by its Banking Division.
BISYS agrees to submit materials containing OSI's Marks to OSI for inspection by
OSI prior to use or distribution of such materials, and OSI shall have the right
to modify such materials. Notwithstanding anything to the contrary in this
Agreement, BISYS shall give attribution to OSI for BISYS' use of the Licensed
Software, the Ancillary Products, the Marks and/or OSI's proprietary rights in
any permitted marketing materials, press releases, or other communication
(whether printed or otherwise) involving or relating to the Licensed Software,
the Ancillary Products, the Marks and/or OSI's proprietary rights.

Confidential                                                        Page 4 of 74

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(d)      Nothing herein shall prevent OSI from appointing other distributors,
resellers or remarketers of the Licensed Software, the System or the Ancillary
Products; provided, however, that OSI represents that, as of the Effective Date,
it does not have a distributor, reseller or remarketer arrangement for the
Licensed Software (only) in the Territory with any of the following companies or
their affiliates, and agrees not to appoint any of the following companies, or
their affiliates, as a distributor, reseller or remarketer of the Licensed
Software (only) in the Territory during the first eighteen (18) months of this
Agreement:

                  [**]

3.       Delivery of Master Copy.

OSI shall deliver to BISYS within sixty (60) days of a software release to OSI's
customers generally, a new Master Copy of the Licensed Software and Ancillary
Products software, so that BISYS has available to it the most current version.
The delivery of Master Copies after the cancellation, completion, expiration or
termination of this Agreement shall continue as part of post-termination
maintenance support services to the extent provided in Section 9(d). As part of
the License granted hereunder, BISYS shall have the right to copy such Master
Copy(ies) and Documentation for use in connection with its Outsourcing Services
to Customers and, as to Ancillary Products, to TotalPlus Customers, and for
archival, testing, support backup, disaster recovery, and demonstration.

4.       Sales by BISYS.

(a)      Marketing and Sales Efforts. During the Term and any Renewal Term,
BISYS shall use commercially reasonable efforts to market, promote and sell
Outsourcing Services using the System and Ancillary Products to Financial
Institutions located in the Territory, including using commercially reasonable
efforts to convert each of its TotalPlus Customers to Outsourcing Services using
the System at the renewal of the TotalPlus Customer's agreement, except when
BISYS has a good-faith belief after due inquiry that a TotalPlus Customer is not
a reasonable prospective customer for such conversion.

(b)      Minimum Sales and License Fees. Consistent with, but in addition to,
the foregoing "commercially reasonable efforts" marketing and selling
requirement, in order to maintain the benefit of the limited non-compete
provisions of Section 4(c), BISYS shall be required to meet the following
minimum sales requirements ("Minimum Sales Requirements"):

         (i)      subject to the phase-in features set forth in Schedule 4, for
                  each Annual Measuring Period, BISYS shall meet the Minimum
                  Sales Requirements by region (which requirements are set forth
                  in Schedule 4) for:

                  (A)      the number of Customer Agreements (as defined in
                           Section 8(c)(i)(1)) with a first effective date
                           during the applicable Annual Measuring Period with a
                           new Customer of such Outsourcing Services, and

                  (B)      the volume of License Fees (excluding Higher Level
                           License Fees) which first become payable to OSI
                           pursuant to Section 8(c) during the Annual Measuring

Confidential                                                        Page 5 of 74

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                           Period with respect to (1) Customer Agreements with a
                           new Customer and with a first effective date after
                           the Effective Date, and (2) (for twenty-four (24)
                           months from the Effective Date) licensing/sales of
                           Ancillary Products to Customers and TotalPlus
                           Customers made after the Effective Date, and

         (ii)     commencing with the twenty-fifth month from the Effective Date
                  and for each Annual Measuring Period thereafter, BISYS shall
                  meet the minimum volume requirements for License Fees
                  (excluding Higher Level License Fees) which first become
                  payable to OSI during the Annual Measuring Period with respect
                  to sales of Ancillary Products to Customers and TotalPlus
                  Customers made after the Effective Date (which requirements
                  are set forth in Schedule 4.)

In calculating compliance with this Section 4(b), only License Fees (excluding
Higher Level License Fees) which become payable to OSI for actual sales are
counted. Accordingly, minimum License Fee payments made pursuant to Section 8(b)
are excluded from such calculation to the extent not based on actual sales.

Schedule 4 sets forth the Minimum Sales Requirements by region for each Annual
Measuring Period. If BISYS fails to meet all of the Minimum Sales Requirements
(including all unit sales and License Fee requirements) for a region for an
Annual Measuring Period (other than the first and second Annual Measuring Period
of both the Term and the Renewal Term (if the Agreement is renewed), which shall
be measured in the aggregate for such two (2) year period), each party shall
have the right to terminate for such region the limited non-compete obligations
of OSI described in Section 4(c), which will also automatically terminate the
Minimum Fee Payment obligation for such region pursuant to Section 8(b), and all
of the [**] obligations of OSI described in Section 4(d). Accordingly, Minimum
Fee Payments pursuant to Section 8(b) shall continue for at least the first two
Annual Measuring Periods of the Term and, if the Agreement is renewed and the
limited non-compete has not be terminated prior to the beginning of the Renewal
Term, for at least the first two Annual Measuring Periods of the Renewal Term.
Such termination rights are subject to the following:

         1.       Written notice of the termination must be given by the
                  terminating Party to the other Party within the following
                  number of days after the end of the Annual Measuring Period
                  just ended: ten (10) days if BISYS is electing to terminate,
                  and fifteen (15) days if OSI is electing to terminate.

         2.       If either party elects to terminate, the limited non-compete
                  obligations for the region and all of the [**] obligations
                  will terminate effective as of the end of the Annual Measuring
                  Period in question just ended.

         3.       If OSI elects to terminate, BISYS's Minimum Fee Payment
                  obligations under Section 8(b) will terminated for the region
                  effective as of the end of the Annual Measuring Period just
                  ended, subject only to completion of the final reconciliation
                  of such Annual Measuring Period and the payment of all sums
                  due with respect thereto as provided in section 8(b)(iii).

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<PAGE>

         4.       If BISYS elects to terminate, BISYS's Minimum Fee Payment
                  obligations under Section 8(b) shall continue for the region
                  for a period past the end of the Annual Measuring Period just
                  ended, which period shall be the first nine (9) months of the
                  next Annual Measuring Period if the termination is elected at
                  the end of the second Annual Measuring Period of the Term or
                  of the Renewal Term (if the Agreement is renewed), and the
                  first six (6) months of the next Annual Measuring Period if
                  the termination is elected at the end of any other Annual
                  Measuring Period during the Term or Renewal Term.
                  Notwithstanding the foregoing, BIYSY may elect to terminate
                  the limited non-compete for a region as of the end of the
                  fifth Annual Measuring Period of the Term without incurring a
                  six (6) month minimum License Fee continuation obligation
                  during the first six (6) months of the Renewal Term (if the
                  Agreement is renewed); provided that BISYS has notified OSI in
                  writing, at least one hundred and eighty (180) days prior to
                  the end of the Term, and further provided that such election
                  shall be irrevocable. Upon the expiration of such nine (9) or
                  six (6) month continuation period, as applicable, BISYS's
                  Minimum Fee Payment obligations for such region shall
                  terminate, subject only to completion of the final
                  reconciliation of the periods such obligations continued in
                  effect and the payment of all sums due with respect thereto as
                  provided in Section 8(b)(iii).

(c)      Limited Non-Compete. So long as this Agreement continues in effect,
except to the extent all or any part of these limited non-compete provisions are
terminated pursuant to Section 4(b), OSI shall not provide, or offer to provide,
outsourcing services using the System to Financial Institutions located in the
Territory except in the following circumstances:

         (i)      To a Financial Institution that refuses, or has refused, in
                  writing to work with BISYS, including a Financial Institution
                  that refuses to obtain Outsourcing Services using the System
                  from BISYS;

         (ii)     To a BISYS customer that states in writing its intent to cease
                  working with BISYS, regardless of whether BISYS provides such
                  customer Outsourcing Services (using or not using the System)
                  or other services;

         (iii)    To a prospective or existing customer to which BISYS refuses
                  to provide Outsourcing Services;

         (iv)     To a customer of OSI who desires to have OSI provide
                  outsourcing services using the System;

         (v)      To any customer of OSI using the System or Licensed Software
                  as of the Effective Date of this Agreement.

OSI reserves and retains any and all rights to offer, sell, market, distribute,
license and provide the Licensed Software, the System, Ancillary Products, and
outsourcing services using the foregoing to the extent that OSI has not
expressly agreed to the contrary in Sections 2(d) and 4(c) of this Agreement.
Without limiting the generality of the foregoing, this Agreement shall not
preclude OSI (itself or through others) from (i) providing outsourcing services
using the System to Financial Institutions located outside the Territory or to
customers which are not Financial Institutions regardless of location; (ii)
offering, selling, marketing, distributing or licensing any

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<PAGE>

Ancillary Products at any time in any manner; or (iii) from appointing other
distributors, resellers or remarketers of the Licensed Software, the System or
the Ancillary Products (except as may be limited by Section 2(d)).

(d)      [**]. If, during the term of this Agreement, [**] as of the Effective
Date of this Agreement, [**] under this Agreement, and [**], then this Agreement
will [**]. This provision shall not cause BISYS to be relieved of any Minimum
Sales Requirements or minimum fee payment requirements under Sections 4(c) or
8(b). All prices and pricing terms and conditions are to be compared and applied
hereunder in the aggregate, and not selectively.

(e)      Other OSI Products. If, at during the term of this Agreement, OSI makes
generally available to its Financial Institution customers any products that
could qualify as Ancillary Products or Licensed Software that are not set forth
in Schedule 1.1 or Schedule 1.11, at the request of either Party, the parties
may explore whether both Parties want to include such Ancillary Products in this
Agreement and, if the Parties agree, the Parties may negotiate the mutually
acceptable terms and conditions under which BISYS may offer, market or sell new
Ancillary Products or Licensed Software to Financial Institutions including,
without limitation, terms such as exclusivity, license fees, territory, and
minimum sales requirements. If the Parties reach such an agreement for any such
Ancillary Product or Licensed Software then such products may become additional
"Ancillary Products" or "Licensed Software" under this Agreement, and if agreed,
such products will be added to Schedule 1.1 or Schedule 1.11, as the case may
be, with notation of any variation of the terms and conditions that will apply
to such products.

5.       Audit Rights. BISYS shall maintain accurate books and records relating
to sales/licensing of the Licensed Software, the System, and the Ancillary
Products, and the calculation of License Fees, Maintenance Fees, and other fees
and charges payable under this Agreement to OSI, and as otherwise required to
document BISYS's compliance with the obligations of this Agreement. During the
Term or Renewal Term of this Agreement and for a period of three (3) years
thereafter, such books and records shall be available at BISYS' offices for
inspection by OSI or its representatives ("Audit") for the purpose of
determining whether the correct payments of any monies due to OSI have been made
in accordance with the terms of this Agreement. OSI and its representatives
shall have the right to conduct such an Audit once per calendar year upon thirty
(30) days advance notice to BISYS. BISYS agrees to cooperate with OSI's Audit
and provide OSI with reasonable assistance and access to information. OSI may
furnish BISYS once every six (6) months with an audit questionnaire, and BISYS
agrees to fully and accurately complete such questionnaire, and return it to OSI
within forty-five (45) calendar days of receipt. OSI's use of an audit
questionnaire will not limit OSI's ability to conduct any on-site Audit(s) as
provided above. All information disclosed during such Audit shall be treated as
confidential by OSI and its representatives. If the Audit reveals an
underpayment, BISYS shall immediately pay to OSI the full amount of such
underpayment, together with interest from the time such underpayment should have
been paid to OSI thereon in accordance with Section 8(d) hereof. In addition, if
the underpayment is more than five percent (5%) of any monies due for the period
audited, BISYS shall bear all reasonable expenses and costs of the Audit.

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<PAGE>

6.       Sales and Marketing.

(a)      Training. Each year OSI and BISYS will develop a mutually acceptable
curriculum appropriate for training of BISYS' sales associates involving the
Licensed Software and the Ancillary Products. The training sessions will be
conducted at mutually convenient times selected and scheduled by the Parties.
BISYS shall have the right to include six (6) of its sales employees in such
training programs, subject to class-size limitations, on a no-fee basis. BISYS
shall be responsible for the costs of all training materials and other
out-of-pocket costs and expenses directly or indirectly resulting from the
participation of its employees in such training programs as well as all travel
and related costs.

(b)      Demonstration. Upon execution of this Agreement, OSI and BISYS agree to
review each other's demonstration program for the Licensed Software and
Ancillary Products used for sales and demonstration purposes. Upon reasonable
request, the other Party shall provide its most-current version of such
demonstration program(s) as they may exist from time to time.

(c)      Marketing Materials. Within thirty (30) days following execution of
this Agreement, and upon OSI's request thereafter, BISYS shall provide OSI with
a copy of all marketing materials and any Documentation relating to the System
and/or the Ancillary Products. OSI will have final approval of all marketing
materials and documentation relating to the System and/or the Ancillary
Products. Prior to OSI's approval of such marketing materials and documentation,
BISYS shall not publish, distribute or use any such marketing materials or
Documentation. Upon BISYS' reasonable request, OSI shall provide BISYS with
marketing materials in an electronic format so that BISYS may include a version
of its logo previously approved by OSI and OSI shall have the right to charge
BISYS with any fees associated with providing these marketing materials in an
electronic format. BISYS may request that OSI prepare customized marketing
materials for BISYS, provided, however, that BISYS shall pay OSI a fee for such
services calculated on a time and materials basis using OSI's hourly rate in
effect at that time plus any expenses incurred by OSI.

(d)      Sales Support; Coordination. Upon BISYS' reasonable request, and
subject to OSI's availability, OSI shall provide reasonable sales support to
assist BISYS in its efforts to sell Outsourcing Services and/or Ancillary
Products to potential and existing Customers, as the case may be. BISYS shall be
responsible for the reasonable expenses incurred by OSI for such sales support.
Senior sales management for each of the Parties will meet in person or by
conference call no less frequently than once per calendar quarter to review
BISYS's sales and marketing strategies, sales forecasts, and sales pipeline
information and issues with respect to sales of Outsourcing Services and
Ancillary Products, and to review, and refer to appropriate persons, any
maintenance and support issues or other performance or procedure issues relating
to this Agreement; provided, however, that nothing herein shall be construed to
require or permit the sharing of information which either party, in good faith,
believes would violate any applicable law, government rules or regulations.
During such meetings, or at other convenient times, the Parties may negotiate
mutually acceptable terms and conditions (including, without limitation,
potential expense reimbursement and/or sales commissions payable) to govern any
joint sales efforts relating to specific prospective customers.

(e)      Notice of Agreements with Customers. BISYS shall provide a form copy of
the BISYS Customer contract for Outsourcing Services and the sale/licensing of
Ancillary Products to OSI

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<PAGE>

prior to entering into the first Customer contract, and, thereafter, within ten
(10) days following OSI's request. The terms and conditions of such forms as
they relate to the Licensed Software and Ancillary Products, other than pricing
and payment, shall be subject to OSI's approval, which will not be unreasonably
withheld or delayed. BISYS shall also provide to OSI written notice of (i) each
new agreement with a Customer or TotalPlus Customer relating to the System
and/or an Ancillary Product, and (ii) each termination of use by a Customer or
TotalPlus Customer of the System and/or an Ancillary Product, including, without
limitation, expiration or termination of the customer agreement, or conversion
of the Customer or TotalPlus Customer to different software. Each such notice
for new agreements shall be given by BISYS when any portion of the License Fee
relating to such agreement first becomes payable to OSI, and each such notice
relating to any other event shall be provided by BISYS within five (5) days
after the end of the month in which the event giving rise to the notice occurs.
All such notices shall contain the following minimum information: Financial
Institution's name, city/state of headquarters, asset size, and number of
accounts.

(f)      Press Releases. The Parties expect to issue a mutually agreed upon
joint press release announcing this Agreement at the appropriate time. Prior to
such public announcement, neither Party shall make any public disclosure of the
existence or terms of this Agreement without the prior written consent of the
other. No press release concerning this Agreement shall be issued by any Party
without the prior written consent of the other Party.

(g)      Referral Fees. If OSI provides BISYS with an OSI New Sales Lead (as
hereinafter defined) during the Term of this Agreement (or any Renewal Term) and
the OSI New Sales Lead results in the sale of Licensed Software and/or Ancillary
Products to the OSI New Sales Lead within [**] following the date of the
referral notice, OSI shall be entitled to either a referral fee or a commission
in accordance with this Section 6(g). For purposes of this Agreement, "OSI New
Sales Lead" shall mean any bona-fide marketing or sales lead that OSI helps
develop through its efforts and of which BISYS is notified through OSI's
submission of the Lead Referral Form attached hereto as Schedule 6(g). BISYS
shall be responsible for providing the OSI New Sales Leads with price quotes and
its fees. BISYS agrees to be solely responsible for invoicing OSI New Sales
Leads and collecting any monies due or owing to BISYS from or by any OSI New
Sales Leads. OSI shall be entitled to, and BISYS hereby agrees to pay OSI, a
referral fee (the "OSI Referral Fee") of $[**] payable at the time of the first
sale of Licensed Software to an OSI New Sales Lead if the first sale is made
within [**] following the date of the referral notice. OSI Referral Fees shall
be non-refundable.

7.       In-house Migrations. BISYS shall have the right to include an option in
an agreement with an existing or prospective Customer for the Customer to elect
to migrate from Outsourcing Services using the System to a license from OSI to
use the System at the Customer's facilities. However, such option shall be
offered only on the following conditions: (i) BISYS shall notify OSI in writing
of the proposed migration option and obtain OSI's prior written consent to the
terms and conditions thereof; (ii) BISYS shall charge and collect a migration
option fee from each such Customer, in addition to the license fees relating to
Outsourcing Services, equal to [**] percent ([**]%) of the List Price for a
similarly sized customer measured as of the date the migration option is granted
(the "Migration Option Fee"); (iii) BISYS shall pay OSI [**] of the Migration
Option Fee within thirty (30) days following the date of execution of the
agreement or

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<PAGE>

the granting of the migration option, which ever is earlier; and (iv) at the
time that such Customer exercises the migration option, BISYS shall notify OSI
in writing with all necessary facts, and OSI shall set the fees to be paid by
the Customer for the migration (the "Migration Fees") along with implementation
fees from the Outsourcing Services to the in-house arrangement. OSI shall
collect the Migration Fees from the Customer, retain [**] percent ([**]%), and
remit to BISYS, within thirty (30) days of receipt of the Migration Fees from
the Customer, [**] percent ([**]%) of the Migration Fees. In the event of a
Customer migration pursuant to this Section 7, BISYS shall continue to provide
those other services BISYS provides to each such Customer, assuming the Customer
chooses to continue such services with BISYS (other than any Ancillary
Products), and BISYS shall be responsible for billing and collecting any fees
from each such Customer that are associated with such services.

8.       Fees.

(a)      List Price. OSI shall have the right to modify the List Price for the
Licensed Software, System (including interfaces), and Ancillary Products once
each calendar year (usually, but not always, done at the beginning of each
calendar year). OSI will notify BISYS of any change in such List Prices at least
thirty (30) days prior to the effective date of the change.

(b)      Minimum Fee Payments; Reconciliation to Actual Fee Payments

         (i)      New Sales On/After January 1, 2003. From and after the
                  Effective Date, BISYS shall be required to pay to OSI the
                  minimum annual License Fees (exclusive of Higher Level License
                  Fees) in the amounts, and in accordance with the additional
                  provisions, set forth in Schedule 4 (aggregating all regions)
                  for (A) Customer License Fees with respect to Customer
                  Agreements with a new Customer and with a first effective date
                  on or after January 1, 2003, and (B) Ancillary Product Fees
                  which become payable pursuant to Section (8)(c)(iii) during
                  the first twenty four (24) months following the Effective Date
                  with respect to licensing/sales of Ancillary Products to any
                  Customers or TotalPlus Customers made on/after January 1,
                  2003. The minimum License Fee amount described under the
                  heading Section 8(b)(i) on Schedule 4 for the Initial Period
                  shall be paid by BISYS upon execution of this Agreement.
                  Thereafter, commencing with the first Annual Measuring Period,
                  one fourth of the minimum annual License Fee amount (adjusted
                  to reflect the phase-in of regions as described under the
                  heading Section 8(b)(i) of Schedule 4) shall be paid by BISYS
                  on the first business day of each of the four calendar
                  quarters comprising the Annual Measuring Period. Payments of
                  minimum License Fees pursuant to this Section 8(b)(i), and
                  payment of License Fees (exclusive of Higher Level License
                  Fees) which become payable with respect to actual sales
                  pursuant to Sections 8(c)(i)(3) and 8(c)(iii), will be
                  reconciled and settled as provided in Section 8(b)(iii) below.
                  BISYS shall be in breach of the minimum License Fee payment
                  requirements of this Section (which shall be a material breach
                  of this Agreement) if it either (A) fails to make any
                  quarterly minimum License Fee payments when due, or (B) fails
                  to pay any Excess License Fees when due.

         (ii)     Sales of Ancillary Products After the First Two Annual
                  Measuring Periods. This

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<PAGE>

                  Section 8(b)(ii) will govern the payment of minimum annual
                  Ancillary Product Fees with respect to Ancillary Product Fees
                  which become payable pursuant to Section 8(c)(iii) commencing
                  with the twenty fifth month following the Effective Date and
                  during subsequent Annual Measuring Periods for licensing/sales
                  of Ancillary Products made after January 1, 2003 (which
                  matters are intentionally not covered by Section 8(b)(i)).
                  BISYS shall be required to pay to OSI the minimum annual
                  License Fees in the amounts shown in Section 8(b)(ii) on
                  Schedule 4. One fourth of the minimum annual License Fee
                  amount shall be paid on the first business day of each of the
                  four calendar quarters comprising the Annual Measuring Period.
                  Payments of minimum Ancillary Product Fees pursuant to this
                  Section 8(b)(ii), and payment of Ancillary Product Fees which
                  become payable with respect to actual licensing/sales pursuant
                  to Sections 8(c)(iii) to which this Section applies will be
                  reconciled and settled as provided in Section 8(b)(iii) below.
                  BISYS shall be in breach of the minimum fee payment
                  requirements of this Section (which shall be a material breach
                  of this Agreement) if it either (A) fails to make any
                  quarterly minimum fee payment when due, or (B) fails to pay
                  any Excess Fees when due.

         (iii)    Measuring Period Reconciliations. The Initial Period and
                  Annual Measuring Period reconciliations called for in Sections
                  8(b)(i) and 8(b)(ii) shall be performed, and payments made, as
                  follows:

                           (A) BISYS will prepare and deliver to OSI
                               reconciliations as contemplated by clause (B)
                               below with respect to the Initial Period, each
                               calendar quarter within an Annual Measuring
                               Period, and each other period for which a
                               reconciliation is required pursuant to this
                               Agreement. Such reconciliation shall be delivered
                               within ten (10) days following the end of each
                               such applicable period and shall be accompanied
                               by BISYS's payment of all amounts shown to be due
                               to OSI. OSI shall notify BISYS in writing of any
                               additional amount OSI claims to be due and any
                               other item in dispute, and follow the procedures
                               in Section 22 to resolve any such dispute. BISYS
                               shall pay any disputed amounts for which it is
                               held responsible within three (3) business days
                               following resolution of the dispute. Separate
                               reconciliations shall be made with respect to the
                               License Fees due for the items covered by Section
                               8(b)(i) and the minimum Ancillary Product Fees
                               for the items covered by 8(b)(ii), as such
                               minimums are not to be aggregated and constitute
                               independent requirements. In addition, separate
                               reconciliations of the License Fees due for items
                               covered by Section 8(b)(i) shall be made with
                               respect to each region, as such regional minimums
                               are not to be aggregated and constitute
                               independent requirements for reconciliation
                               purposes.

                           (B) At each of the calendar quarter reconciliations
                               for an Annual Measuring Period, BISYS shall
                               calculate the difference, by region, between (X)
                               the sum of all applicable License Fees (excluding
                               Higher Level License Fees) which became payable
                               by BISYS pursuant to Section 8(c)(i)(3) during
                               such calendar quarter for qualifying
                               licensing/sales of the applicable products, and
                               (Y) the applicable minimum License Fee

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<PAGE>

                               payment previously made by BISYS with respect to
                               such products for the calendar quarter. If the
                               License Fees that became payable from actual
                               qualified licensing/sales of such products for
                               the region exceed the applicable required minimum
                               License Fees paid by BISYS for the quarter for
                               such region, the difference is "Excess License
                               Fees"; and if the License Fees that became
                               payable from actual qualified licensing/sales for
                               a region are less than the applicable required
                               minimum License Fees paid by BISYS for the
                               quarter for such region, the difference is
                               "Pre-Paid License Fees". BISYS shall pay to OSI
                               the amount of any Excess License Fees for the
                               quarter for each region after applying any
                               Pre-Paid License Fees for such region carried
                               forward from the prior quarter. Pre-Paid License
                               Fees shall carry forward for the same region to
                               subsequent calendar quarters within the same
                               Annual Measuring Period only, except that
                               Pre-Paid License Fees may be carried forward to
                               subsequent Annual Measuring Periods to the extent
                               permitted by Section 8(b)(iii)(D). This paragraph
                               shall apply to other measuring periods for which
                               a final reconciliation is called for in this
                               Agreement, except the Initial Period (which shall
                               be governed by Section 8(b)(iii)(C)).

                           (C) The Initial Period shall be treated as a separate
                               measuring period with only a final reconciliation
                               that shall be made, by region, in accordance with
                               the procedures outlined in clause (A) above.
                               BISYS's reconciliation shall determine, by
                               region, if there are Excess License Fees for the
                               Initial Period taking into account the required
                               minimum License Fee payment for the Initial
                               Period by region as noted in Schedule 4, and the
                               License Fees (not Higher Level License Fees) that
                               became payable by BISYS to OSI between January 1,
                               2003 and the end of the Initial Period for actual
                               qualified licensing/sales of items covered by
                               Section 8(b)(i). At the time of submitting the
                               reconciliation, BISYS shall pay to OSI the amount
                               by which the License Fees payable with respect to
                               each region exceed the payments of License Fees
                               by BISYS for such region, including the minimum
                               License Fees payable upon execution of this
                               Agreement.

                           (D) Minimum License Fees paid pursuant to Section
                               8(b) shall be non-refundable. Under no
                               circumstances shall OSI be obligated to repay to
                               BISYS any portion of such minimum License Fees
                               paid by BISYS. Excess License Fees payable by
                               BISYS are to be fully reconciled, settled and
                               paid at the end of each calendar quarter of each
                               Annual Measuring Period (or other period for
                               which final reconciliation is called for under
                               this Agreement) and may not be carried forward to
                               off-set future minimum License Fees.

                           (E) Pre-Paid License Fees that remain unused after
                               the final reconciliation of the Annual Measuring
                               Period in which incurred expire and may not be
                               carried forward to subsequent Annual Measuring
                               Periods to be credited against subsequent Excess
                               License Fees, except to the extent such carry
                               forward for use in the same region is permitted,
                               as follows:

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<PAGE>

                               (1)   Pre-Paid License Fees incurred during the
                                     Term may be carried forward cumulatively
                                     until the end of the Term.

                               (2)   Pre-Paid License Fees incurred during the
                                     Renewal Term (if the Agreement is renewed),
                                     may be carried forward cumulatively until
                                     the end of the Renewal Term.

                               (3)   Pre-Paid License Fees incurred during the
                                     Term may be carried forward cumulatively
                                     into, and to the end of, the Renewal Term
                                     (if the Agreement is renewed) only if the
                                     limited non-compete for such region (and
                                     the related obligation to pay minimum
                                     License Fees pursuant to this Section 8(b))
                                     has not been terminated by either Party
                                     pursuant to Section 4(b) effective for the
                                     sixth Annual Measuring Period (i.e., the
                                     first Annual Measuring Period of the
                                     Renewal Term) or any earlier Annual
                                     Measuring Period.

                               (4)   If the Agreement is renewed, but the
                                     non-compete for a region has been
                                     terminated effective at the end of the
                                     fifth year of the Term by either Party
                                     pursuant to Section 4(b), only the Pre-Paid
                                     License Fees incurred in the fifth Annual
                                     Measuring Period may be carried forward to
                                     the Renewal Term and only for the first
                                     Annual Measuring Period of the Renewal
                                     Term.

         (iv)     Maintenance Fee Shortfall Make-up. At the end of each Annual
                  Measuring Period (and at the time reconciliation would
                  normally be performed under Section 8(b)(iii)), BISYS shall
                  provide OSI a written calculation of a maintenance fee
                  shortfall payment (the "Maintenance Fee Shortfall") and pay
                  the amount thereof, to compensate OSI for estimated lost
                  maintenance fees for the following Annual Measuring Period due
                  to lower than required minimum Licensed Software and Ancillary
                  Products sales during the preceding Annual Measuring Period.
                  The Maintenance Fee Shortfall is an amount equal to the
                  cumulative unused Pre-Paid License Fees incurred since the
                  Effective Date, if any, determined as of the end of such
                  Annual Measuring Period after any applicable final
                  reconciliation, divided by 0.75, and multiplied by the annual
                  maintenance fee percentage then applicable to the region
                  pursuant to Section 8(d)(iii) clause (2) or clause (3), as
                  appropriate. Such determination shall be made on a region by
                  region basis and made for all regions whether or not the
                  minimum License Fee payment requirements of Section 8(b) were
                  in effect during any portion of the Annual Measuring Period.
                  OSI notification of disputes and dispute resolution regarding
                  Maintenance Fee Shortfall Payments shall follow the procedures
                  for other reconciliations described in Section 8(b)(iii).
                  Maintenance Fee Shortfall payments are non-refundable.
                  Notwithstanding the foregoing, in calculating Maintenance Fee
                  Shortfalls, BISYS shall be entitled to exclude any Pre-Paid
                  License Fees first incurred during either the six (6) or nine
                  (9) month (as applicable) minimum License Fee continuation
                  period associated with a termination by BISYS of a limited
                  non-compete for a region pursuant to Section 4(b).

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<PAGE>

         (v)      Termination of Non-Compete for a Region. A termination
                  pursuant to Section 4(b) of the limited non-compete provisions
                  of Section 4(c) for a region automatically terminates the
                  prospective obligation to pay minimum License Fees and
                  Maintenance Shortfall Payments for such region as and to the
                  extent provided in Section 4(b). If such obligations are
                  terminated, the final reconciliation for the region under
                  Section 8(b)(iii) shall be made and any Excess License Fees
                  paid. License Fees payable from licensing/sales in such region
                  after the effective date of the termination of the minimum
                  License Fee payment obligation in the region shall not count
                  toward satisfying either the Minimum Sales Requirements or the
                  Minimum Quarterly Fee requirements for any other region or
                  regions.

(c)      License Fees

(i)      Customer License Fee For Outsourcing Services

         (1)      Customers Prior to January 1, 2002. This Section applies to
each agreement between BISYS and a Customer for Outsourcing Services ("Customer
Agreement") with its first effective date before January 1, 2002. BISYS's
obligation with respect to each such Customer Agreement is to pay OSI a
non-refundable license fee (each a "Customer License Fee") equal to [**] percent
([**]%) of the OSI List Price for the Licensed Software (excluding Interfaces)
and Third Party Software payable by an OSI direct customer similarly situated as
of the effective date of such Customer Agreement. The Customer License Fee with
respect to each Customer Agreement is to be paid by BISYS to OSI in equal
monthly installments over the initial term of the Customer Agreement, not to
exceed five years. The payments commence on the first day of the month following
the Conversion Date and are to be paid each month thereafter until paid in full
unless the Customer Agreement shall earlier terminate and BISYS is no longer an
Outsourcing Services provider to such Customer. Customer License Fees paid by
BISYS to OSI prior to the Effective Date with respect to a Customer Agreement
under the terms of a predecessor agreement shall be deemed made with respect to
such Customer Agreement pursuant to the payment obligation set forth above.

         (2)      Customers Between January 1, 2002 and December 31, 2002. This
Section applies to each Customer Agreement with its first effective date on or
after January 1, 2002, but prior to January 1, 2003. BISYS's obligation with
respect to each such Customer Agreement is to pay OSI a non-refundable Customer
License Fee equal to [**] percent ([**]%) of the OSI List Price of the Licensed
Software (excluding Interfaces) and Third Party Software payable by an OSI
direct customer of the same Customer Size (as defined in paragraph (4) below).
The Customer License Fee shall initially be determined based on a good-faith
estimate of the Customer Size as of the effective date of the Customer
Agreement. [**] percent ([**]%) of such Customer License Fee shall be paid by
BISYS to OSI upon execution of the Customer Agreement. The remaining [**]
percent ([**]%) of the Customer License Fee shall be paid on the Conversion
Date, plus the amount of any adjustment to the Customer License Fee based on
redetermination of the Customer Size as of the Conversion Date. Customer License
Fees paid by BISYS to OSI prior to the Effective Date with respect to a Customer
Agreement under the terms of a predecessor agreement shall be deemed made with
respect to such Customer Agreement pursuant to the payment obligation set forth
above.

Confidential                                                       Page 15 of 74

<PAGE>

         (3)      Customers On/After January 1, 2003. This Section applies to
each Customer Agreement with its first effective date on/after January 1, 2003.
Subject to Section 21(a)(iii), BISYS's obligation with respect to each such
Customer Agreement is to pay OSI a non-refundable Customer License Fee equal to
[**] percent ([**]%) of the OSI List Price of the Licensed Software (excluding
Interfaces) and Third Party Software payable by an OSI direct customer of the
same Customer Size. The Customer License Fee shall initially be determined based
on a good-faith estimate of the Customer Size as of the effective date of the
Customer Agreement. Such Customer License Fee shall become payable by BISYS upon
the execution date of the Customer Agreement, subject to an adjustment of the
amount due based on a redetermination of the Customer Size as of the Conversion
Date. Customer License Fees that are or become payable by BISYS pursuant to
these terms and conditions, shall be paid to OSI in accordance with Section 8(b)
with the adjustment, if any, based on the Customer Size that is determined as of
the Conversion Date being made in the reconciliation for the calendar quarter in
which the Conversion Date falls, but in no event later than thirty (30) days
following the end of such calendar quarter.

(ii)     Higher Level License Fees.

         (1)      Customers Prior to January 1, 2002. This Section applies to
each Customer Agreement with its first effective date before January 1, 2002. On
every five year anniversary of the commencement of the initial term of a
continuing Customer Agreement, BISYS is obligated to pay OSI an additional fee
("Higher Level License Fee") equal to [**] percent ([**]%) of the difference, if
any, between (i) the sum of the initial Customer License Fee payable pursuant to
Section 8(c)(i)(1) and any Higher Level License Fees already paid by BISYS with
respect to such Customer Agreement pursuant to this Agreement or any predecessor
agreement, and (ii) the Customer License Fee that would apply if calculated as
of the applicable anniversary calculation date based on the most recent Customer
Size for such Customer and the then current OSI List Price of the Licensed
Software (excluding Interfaces and Third Party Software). At the time of the
calculation BISYS shall provide information detailing the Customer Size as of
the applicable anniversary calculation date. Such Higher Level License Fee, if
any, shall be paid by BISYS to OSI with thirty (30) days following the
applicable anniversary calculation date. Higher Level License Fees payable by
BISYS to OSI with respect to a Customer Agreement under the terms of a
predecessor agreement shall continue to be paid by BISYS to OSI as required
under the terms of the predecessor agreement until the next applicable
anniversary calculation date hereunder, at which time the terms and conditions
of this Section 8(b)(ii)(1) shall govern all future calculation and payment of
Higher Level License Fees with respect to such Customer Agreement.

         (2)      Customers Between January 1, 2002 and December 31, 2002. The
following shall apply to each Customer Agreement with its first effective date
on or after January 1, 2002, but before January 1, 2003. On every five year
anniversary of the commencement of the initial term of a continuing Customer
Agreement, BISYS is obligated to pay OSI a Higher Level License Fee equal to
[**] percent ([**]%) of the difference, if any, between (i) the sum of the
initial Customer License Fee payable pursuant to Section 8(c)(i)(2) and any
Higher Level License Fees already paid by BISYS with respect to such Customer
Agreement pursuant to this

Confidential                                                       Page 16 of 74

<PAGE>

Agreement or any predecessor agreement, and (ii) the Customer License Fee that
would apply if calculated as of the applicable anniversary calculation date
based on the most recent Customer Size for such Customer and the then current
OSI List Price of the Licensed Software (excluding Interfaces and Third Party
Software). At the time of the calculation BISYS shall provide information
detailing the Customer Size as of the applicable anniversary calculation date.
Such Higher Level License Fee, if any, shall be paid by BISYS to OSI with thirty
(30) days following the applicable anniversary calculation date.

         (3)      Customers On/After January 1, 2003. The following shall apply
to each Customer Agreement with its first effective date on or after January 1,
2003. Subject to Section 21(a)(iii), on each anniversary of the Conversion Date
for such Customer Agreement, BISYS is obligated to pay OSI with respect to each
such on-going Customer Agreement a Higher Level License Fee equal to [**]
percent ([**]%) of the difference, if any, between (i) the sum of the initial
Customer License Fee payable pursuant to Section 80c)(i)(3) and any Higher Level
License Fees already paid by BISYS with respect to such Customer Agreement, and
(ii) the Customer License Fee that would apply if calculated as of such
Conversion Date anniversary based on the most recent Customer Size for such
Customer and the then current OSI List Price of the Licensed Software (excluding
Interfaces and Third Party Software).

         (4)      Customer Size. When any Customer License Fee, Ancillary
Product Fee, or Higher Level License Fee is to be calculated based on Customer
Size, at least fifteen (15) days prior to the payment due date, BISYS shall
provide OSI with a statement, certified by a duly-authorized officer of BISYS,
detailing the asset size and number of accounts of the applicable Customer
("Customer Size"). "Asset size" means the total assets as described in the
Customer's most recent statement of condition filed with its primary regulator.
"Number of accounts" means the total number of accounts of the Customer on the
System (and a comparable measurement for Ancillary Products sold to TotalPlus
Customers) as of the end of the last day of the preceding calendar quarter.

         (5)      No Reduction - Higher Level License Fees. OSI and BISYS hereby
agree that under no circumstances shall BISYS be entitled to a refund, credit,
offset, or any other reduction in Higher Level License Fees in the event that
the Customer Size for any Customer decreases during any calculation period or at
any time during this Agreement.

(iii)    Ancillary Products Fees. Unless otherwise provided on Schedule 1.1 and
subject to Section 21(a)(iii), BISYS is obligated to pay OSI a non-refundable
license fee for each Ancillary Product licensed by a Customer or TotalPlus
Customer equal to [**] percent ([**]%) of the OSI List Price for the Ancillary
Product payable by a substantially similar OSI direct customer (including the
same Customer Size, if applicable to the List Price determination) as of the
effective date of the Ancillary Product agreement with the Customer (the
"Ancillary Product Fee"). Such Ancillary Product Fee shall be payable by BISYS
upon the effective date of the Ancillary Product license with the Customer or
TotalPlus Customer, and shall be paid by BISYS to OSI pursuant to Section 8(b).
In addition to each Ancillary Product Fee, BISYS shall pay to OSI each year a
Higher Level License Fee for Ancillary Products sold/licensed to each Customer
and TotalPlus Customer. The Higher Level License Fee calculation shall be made
for each Customer on the anniversary of the Conversion Date of the Customer
Agreement, and for

Confidential                                                       Page 17 of 74

<PAGE>

each TotalPlus Customer on the anniversary of the effective date of the core
outsourcing services agreement with BISYS. The Higher Level License shall be
equal to [**] percent ([**]%) of the difference, if any, between (i) the sum of
the initial Ancillary Product Fee and any Higher Level License Fees already paid
by BISYS for the Ancillary Products with respect to such Customer or TotalPlus
Customer, and (ii) the Ancillary Product Fee recalculated as of the effective
date of the calculation based on the Customer's or TotalPlus Customer current
characteristics (including most current Customer Size, if applicable to the List
Price determination) and the then current OSI List Price of the Ancillary
Product. Notwithstanding the foregoing, the Ancillary Product Fee for Ancillary
Products which are services and not licensed software, and which continue to be
payable on a periodic basis, shall be adjusted annually, at each anniversary of
the Conversion Date (Customers) or anniversary of the services agreement
effective date (TotalPlus Customers), as applicable, based on changes to the
List Price for such services and changes in Customer Size if applicable to such
Ancillary Product services.

(d)      Other Fees

(i)      Customer Early Termination Fees. In the case of an agreement between
BISYS and a Customer for Outsourcing Services first entered into prior to
January 1, 2002, if such agreement terminates prior to the expiration of the
initial or then current renewal term of such Outsourcing Services agreement,
BISYS shall pay OSI, in addition to the normal ongoing fees due until
termination, a termination fee equal to the lesser of the amount representing
(A) the number of monthly installments of License Fees and/or pertinent
maintenance fees remaining or (B) the number of monthly installments of License
Fees and/or pertinent maintenance fees set forth below based on the number of
months remaining in the initial or renewal term of such Customer's Outsourcing
Services agreement, plus the amount of any Higher Level License Fee determined
as of the date of the termination, and no further payment obligations in respect
of such License Fees or maintenance fees shall be due:

<TABLE>
<CAPTION>
Months Remaining in Term        Monthly Installments
------------------------        --------------------
<S>                             <C>
36+                                     18
24 - 35                                 12
12 - 23                                  6
</TABLE>

In the case of a Customer Agreement with a first effective date on or after
January 1, 2002, if such Customer Agreement terminates prior to the expiration
of the initial or then current renewal term of such Customer Agreement, no
License Fees shall be refundable and no additional obligations with respect to
License Fees shall be due, but BISYS shall pay OSI, in addition to the normal
ongoing fees due until termination, a termination fee calculated in accordance
with Section 8(d)(i) above but based only on the pertinent maintenance fee
installments that otherwise would have been payable.

(ii)     Interface Fees. BISYS shall pay OSI a non-refundable interface fee for
each Customer executing an agreement with BISYS for Outsourcing Services that
includes any interfaces provided by OSI to BISYS as part of the Licensed
Software equal to [**] percent ([**]%) of the

Confidential                                                       Page 18 of 74

<PAGE>

applicable OSI List Price for the Interface (the "Interface License Fees"). Such
Interface License Fees shall be payable in full upon receipt of OSI's invoice
following the Conversion Date.

(iii)    Maintenance Fees. Maintenance Fees shall be paid with respect to all
Licensed Software, Ancillary Products (except those which are services where the
service fees already include maintenance), Third Party Software and Interfaces.

         (1)      Customers Prior to January 1, 2003. This Section applies only
to continuing Customer Agreements with a first effective date prior to January
1, 2003. Commencing upon Conversion to the System, OSI shall be entitled to an
annual maintenance fee during the term of the Customer Agreement equal to a
percentage of the then current List Price of the Licensed Software (including
Interfaces), Ancillary Products and Third Party Software payable by an OSI
direct customer similarly situated as of the date of the Outsourcing Services
agreement as follows:

<TABLE>
<CAPTION>
  Year                  Percentage
  ----                  ----------
<S>                     <C>
1 and 2                    [**]%
3                          [**]%
4 +                        [**]%
</TABLE>

Such annual maintenance fee shall be payable in equal monthly installments
commencing on the first day of each month following the Conversion Date through
the initial term of the Customer Agreement. During any renewal or extension term
of the Customer Agreement, OSI shall be entitled to an annual maintenance fee
equal to [**] percent ([**]%) of the then current List Price payable by an OSI
direct customer similarly situated for the Licensed Software (including
Interfaces), Ancillary Products and Third Party Software. Such annual
maintenance fee shall be payable in equal monthly installments commencing on the
first day of each month following the renewal or extension date through the
renewal or extension term, or until earlier termination of such agreement.

         (2)      Customers On/After January 1, 2003. This Section applies to
all Customer Agreements with a first effective date on or after January 1, 2003.
Commencing upon Conversion to the System, OSI shall be entitled to an annual
maintenance fee during the term of the Customer Agreement with a Customer equal
to [**] percent ([**]%) of the then current List Price payable by an OSI direct
customer similarly situated for the Licensed Software (including Interfaces),
Ancillary Products and Third Party Software. Such annual maintenance fee shall
be payable in equal monthly installments commencing on the first day of each
month following the Conversion Date through the initial term, renewal term, or
extension term, or until earlier termination of the Customer Agreement.

         (3)      Certain Renewal Terms; Post-Termination Support. The annual
maintenance fees provided in Section 8(d)(iii) shall change to be calculated on
the basis of OSI's then standard annual maintenance fee percentage of its then
current List Price payable by an OSI direct customer similarly situated for the
Licensed Software (including Interfaces), Ancillary Products and Third Party
Software, effective for the following: (i) the provision by OSI of
post-termination maintenance support services as provided in Section 9(d), or
(ii) the provision by

Confidential                                                       Page 19 of 74

<PAGE>

OSI of support services during a Renewal Term with respect to certain regions as
described in Section 21(a)(iii).

(iv)     Payment; Late Fees. In all cases where a payment due date is not
expressly stated or provided for in this Agreement, each License Fee, Higher
Level License Fee, Maintenance Fee, and other fee, cost, charge or expense
payable to OSI hereunder from BISYS shall be due and payable thirty (30) days
following the occurrence of the last event which gives rise to the payment
obligation. All payments due to OSI pursuant to this Agreement shall bear
interest at the rate of one and one-half percent (1.5%) per month from the due
date (or the maximum permissible by law if less than one and one-half percent
(1.5%) per month). All amounts payable to OSI hereunder are payable in full in
United States Dollars without deduction or set off, and shall be in addition to
all sales, use or other taxes or duties, which are also BISYS' responsibility.

9.       System Support.

(a)      BISYS Primary Support. BISYS shall provide the first line of product
and technical help desk support to its Customers relating to the Licensed
Software (including Interfaces), Ancillary Products and Third Party Software.
This shall include all of the day-to-day issues of functionality, error
correction and customer service. BISYS shall provide the names and telephone
numbers of the designated BISYS personnel assigned to work with OSI. BISYS shall
use its commercially reasonable efforts to minimize the number of support
contacts it makes with OSI.

(b)      OSI Back-Up Support. OSI shall provide back-up product and technical
support to BISYS for the Licensed Software (including Interfaces), Ancillary
Products (licensed software only) and Third Party Software as described in
Schedule 9(b). OSI shall not provide direct support to BISYS Customers. OSI
backup support services shall be provided seven (7) days per week, twenty-four
(24) hours per day for Priority A errors and during normal working hours for
other errors. OSI shall furnish the names and telephone numbers of its personnel
for both normal working hours and other times (e.g., holidays, weekends, etc.).

(c)      Support Training. Each year OSI and BISYS will develop a mutually
acceptable curriculum appropriate for training of BISYS' support employees
involving the Licensed Software and the Ancillary Products and, to the extent
offered by OSI to others, involving the Third Party Software. The training
sessions will be conducted at mutually convenient times selected and scheduled
by the Parties. BISYS shall have the right to include six (6) of its support
employees in such training programs, subject to class-size limitations, at [**]%
of OSI's then standard fee. BISYS shall be responsible for the costs of all
training materials and other out-of-pocket costs and expenses directly or
indirectly resulting from the participation of its employees in such training
programs as well as all travel and related costs.

(d)      Post-Termination Maintenance Support. OSI's obligation to provide
maintenance support services pursuant to this Section 9 and to provide Master
Copies pursuant to Section 3, shall continue for the term of this Agreement. If
BISYS is not then in material breach of this Agreement and so long as it
continues to pay all required Maintenance Fees and otherwise comply with this
Agreement, such maintenance support obligation of OSI shall continue and survive
after the expiration, termination or cancellation of this Agreement for a period
ending

Confidential                                                       Page 20 of 74

<PAGE>

with the expiration, termination or cancellation of the then current term
(as of the date this Agreement expires, terminates or is cancelled), without
further extension or renewal, of the last Customer Agreement or agreement then
in effect for the use of Ancillary Products under which BISYS is obligated to
provide maintenance or support for the Licensed Software or Ancillary Products
for its Customer or TotalPlus Customer.

10.      Product Development - General.

(a)      Development Collaboration. Appropriate representatives of OSI and BISYS
shall meet at least semi-annually to discuss and review each other's product
development plans and for OSI and BISYS to provide input based on competitive
feature and function requirements. At any time during the Term or any Renewal
Term of this Agreement, BISYS shall have the right to request certain
development efforts related to the System and to Ancillary Products. To the
extent it is mutually agreed that such development efforts enhance the overall
value, marketability or competitive position of the System and the Ancillary
Products, such efforts shall be funded by OSI. BISYS shall be given the
opportunity to contribute to such efforts either through funding and/or
contribution of application specifications and/or certain technology to expedite
delivery or to address certain customer requirements that may not be considered
to significantly enhance the overall value, marketability or competitive value
of the System and the Ancillary Products. OSI reserves all right, in its sole
discretion, to determine the scope and nature of any and all development
activities that will be performed to the System and Ancillary Products
regardless of the source of funding.

(b)      Intellectual Property Ownership. BISYS assigns to OSI and its
successors, legal representatives, and assigns all rights, title and interest
that BISYS may have, now or in the future, to all inventions, ideas, and
discoveries that it may contribute regarding product development and the
Licensed Software, System and Ancillary Products, including all Intellectual
Property Rights (as defined below) therein. BISYS shall take any and all other
reasonable steps and execute, acknowledge and deliver to OSI, at OSI's expense,
any and all further instruments necessary or expedient in order to vest the
aforesaid Intellectual Property Rights more effectively in OSI. "Intellectual
Property Rights" shall mean (i) inventions, whether or not patentable, reduced
to practice, or made the subject of a pending patent application or
applications, (ii) national or multinational statutory invention registrations,
patents, patent registrations and patent applications (including all reissues,
divisions, continuations, continuations-in-part, extensions and reexaminations)
and all rights therein, and all improvements to the inventions disclosed
therein, (iii) copyrights (registered or otherwise) and registrations and
applications for registration thereof, and all rights therein, (iv) moral rights
(including, without limitation, rights of paternity and integrity), and waivers
of such rights by others, and (v) trade secrets and other Confidential
Information.

11.      Product Development - Customer Requirements.

OSI recognizes that BISYS may from time to time be requested to provide
additional features, functionality or interfaces with respect to the System and
Ancillary Products in order to secure a new Customer or retain an existing
Customer. OSI agrees to use reasonable commercial efforts to deliver a
feasibility assessment with respect to such additional features, functionality
or

Confidential                                                       Page 21 of 74

<PAGE>

interfaces in writing within 30 days of receipt of a written request, including
but not limited to an assessment of the time period and resources necessary for,
and remuneration to OSI to satisfy such requirements, provided, however, that
BISYS shall pay OSI a fee for any such services to be determined by OSI at that
time. Based on such assessment, OSI and BISYS by mutual agreement shall
determine the appropriate course of action to address the Customer requirements
and, if appropriate, to set forth the specifications, deliverables and costs in
a writing mutually agreed and signed by OSI and BISYS. OSI shall use
commercially reasonable efforts to satisfy the requirements set forth in such
written agreement within the agreed time periods. BISYS shall not make any
contractual obligations with respect to such Customer requirements except as
specifically approved in writing by OSI.

12.      Product Development - Resources. BISYS and OSI agree to designate
dedicated OSI development resources to BISYS requests. The fee structure for
these resources are set forth in Schedule 12.

13.      Source Code Escrow.

(a)      Escrow Deposits; Releases. OSI agrees, at BISYS' sole expense, to enter
into a standard commercial escrow agreement providing BISYS with certain rights
to the source code for the Licensed Software and Ancillary Products (licensed
software only) (the "Deposit Materials"), and to provide current versions of the
Licensed Software to the escrow agent, with at least the following release
conditions: OSI (i) becomes or is declared insolvent or bankrupt, (ii) becomes
the subject of, and fails to cause its dismissal within 180 days, any
proceedings relating to its liquidation insolvency or for the appointment of a
receiver or similar officer for it, (iii) makes an assignment for the benefit of
all or substantially all of its creditors, or (iv) enters into an agreement for
the composition, extension, or readjustment of all or substantially all of its
obligations.

(b)      Use Rights. In the event that BISYS obtains the Deposit Materials
pursuant to this Section 13, BISYS may use the Deposit Materials solely to
maintain and support the Licensed Software and Ancillary Products so as to
enable BISYS and its Customers and TotalPlus Customers to make the use of the
System, Licensed Software and Ancillary Products as intended by this Agreement.
Such use shall at all times be subject to and in accordance with the terms of
this Agreement, including, without limitation, the licenses granted to BISYS in
Section 2. BISYS's right to use the Deposit Materials shall expire upon the
expiration or termination of OSI's obligation to provide post-termination
maintenance support services pursuant to Section 9(d) of this Agreement. BISYS
shall not, under any circumstances, sell, disclose, modify, assign, transfer or
convey in any manner, or dispose of the Deposit Materials or any portion of the
Deposit Materials, except as may be expressly permitted in this Agreement. BISYS
acknowledges and agrees that the Deposit Materials shall, at all times, remain
the sole and exclusive property of OSI.

(c)      Survival. The provisions of this Section 13 and the Source Code Escrow
shall survive the expiration, termination or cancellation of this Agreement and
shall continue until the expiration or termination of OSI's obligation to
provide post-termination maintenance support services pursuant to Section 9(d)
of this Agreement. Upon the termination of the Source Code Escrow, or

Confidential                                                       Page 22 of 74

<PAGE>

upon the expiration of BISYS's right to use the Deposit Materials that it has
obtained pursuant to this Section 13, the Deposit Materials shall be promptly
returned to OSI.

(d)      Business Continuity. The Parties agree that this Section 13 provides
appropriate access by BISYS to OSI's proprietary source code for the Licensed
Products and Ancillary Products in the event that this is needed to facilitate
the continuing use by BISYS and its Customers and TotalPlus Customers of the
Licensed Software and Ancillary Products during and after the term of this
Agreement and that this arrangement satisfies contractual obligations and
regulatory compliance regarding business continuation.

14.      Non - Solicitation of Existing Customers. BISYS and OSI agree that
neither Party will in any manner, solicit, attempt to solicit each other's
customers of its core products and any sales or sales solicitation contact with
the other Party's existing core customers must be approved in writing by the
other Party; provided, however, that such prohibitions shall not apply to OSI in
any of the circumstances outlined in Section 4(c), clauses (i) through (iv).

15.      Employees.

During the Term or any Renewal Term of this Agreement, each Party will refrain
from seeking to hire the employees of the other and, for the one (1) year
following termination of employment, terminated employees of the other without
the prior written consent of the other.

16.      Confidentiality.

OSI represents that the System, Licensed Software, Interfaces, Ancillary
Software and Third Party Software contain trade secrets and BISYS agrees to
treat the same as OSI's confidential information and will not disassemble,
de-compile or reverse engineer any of the foregoing.

The Parties further acknowledge that in the course of performing their
respective responsibilities under this Agreement, each may be exposed to or
acquire information which is proprietary to or confidential to the other Party
or its clients including computer programs, software tools, protocols, system
benchmarks, business and marketing plans, product descriptions, development
schedules, product positioning, choices of product names and financial data, and
including without limitation, the System, Licensed Software, Interfaces,
Ancillary Software, and Third Party Software. All such confidential and
proprietary information in whatever form, are hereinafter collectively referred
to as "Confidential Information".

Notwithstanding the foregoing, "Confidential Information" shall not include
information that: (i) is or becomes part of the public domain other than due to
actions of the receiving Party in violation of its confidentiality obligations
to the providing Party; (ii) was known to the receiving Party as of the time of
its disclosure; (iii) is independently developed by the receiving Party without
the use of, or reference to, any Confidential Information; (iv) is subsequently
learned from a third party not under a confidentiality obligation to the
providing Party; or (v) is required to be disclosed pursuant to court order or
government authority, whereupon the receiving Party shall provide notice to the
providing Party prior to such disclosure and cooperate with the

Confidential                                                       Page 23 of 74

<PAGE>

providing Party in reasonable efforts to preserve and protect the
confidentiality of such Confidential Information to the extent permitted by such
court or governmental authority.

Except as otherwise permitted hereunder, the receiving Party agrees to hold
Confidential Information of the providing Party in strict confidence and not to
copy, reproduce, sell, assign, license, market, transfer, give or otherwise
disclose such information to third parties or to use such information for any
purposes whatsoever, without the express written permission of the providing
Party and to advise each of the receiving Party's employees, agents and
representatives of their obligations to keep such information confidential.

The Parties shall use their reasonable efforts to assist each other in
identifying and preventing any unauthorized use or disclosure of any
Confidential Information. Without limitation of the foregoing, the receiving
Party shall use reasonable efforts to advise the providing Party immediately in
the event that the receiving Party learns or has reason to believe that any
person who has had access to Confidential Information has violated or intends to
violate the terms of this provision, and will reasonably cooperate in seeking
injunctive relief against any such person.

Without prejudice to the rights and remedies otherwise available to the Parties,
each Party shall be entitled to equitable relief by way of injunction or
otherwise as to its Confidential Information if the receiving Party or any of
its employees, agents or representatives breach or threaten to breach any of the
provisions of this Section 16.

17.      Warranties.

(a)      Ownership. OSI represents and warrants that it has the sole ownership
of and/or the right to license and sub-license the Licensed Software and the
Ancillary Products as contemplated by this Agreement and has the full power to
grant the rights granted herein without the consent of any other person or
entity.

(b)      Performance. OSI represents, warrants and covenants that the media on
which the Licensed Software and Ancillary Products are recorded and delivered to
BISYS hereunder is free from defects in material and workmanship under normal
use and service for a period of ninety (90) days from delivery. OSI agrees to
replace any defective media upon return to OSI.

OSI warrants that the Licensed Software and Ancillary Products will be free of
disabling code as of the date of delivery by OSI to BISYS. OSI agrees that it
will maintain a master copy of the Licensed Software and Ancillary Products
(licensed products only) made by OSI thereto, and will take such steps as are
reasonably necessary to keep the same free of Disabling Code. "Disabling code"
shall mean computer instructions that:

         (i)      Alter, destroy or inhibit the Licensed Software or BISYS'
                  processing environment, including without limitation, other
                  programs, data storage, computer libraries, and computer and
                  communications equipment;

         (ii)     without functional purpose, self-replicate without manual
                  intervention; or

Confidential                                                       Page 24 of 74

<PAGE>

         (iii)    purport to perform a meaningful function but which actually
                  perform either a destructive or harmful function, or perform
                  no meaningful function.

(c)      Compliance with Laws and Regulations. OSI represents that for a period
of ninety (90) days after the date of execution of this Agreement and during any
period during which BISYS is receiving maintenance and system support in
accordance with the terms and conditions of this Agreement, the Licensed
Software and the Ancillary Products shall:

         (i)      Function and perform substantially in accordance with the
                  applicable Documentation and specifications.

         (ii)     Operate on the hardware specified or approved by OSI
                  consistent with the specifications and Documentation.

         (iii)    Process BISYS' Customer's data in accordance with the minimum
                  data processing standards promulgated by federal banking
                  agencies, which regulate BISYS' Customers and TotalPlus
                  Customers.

If BISYS discovers that the Licensed Software and Ancillary Products do not meet
the criteria set forth above, BISYS shall notify OSI and OSI shall promptly take
commercially reasonable steps in accordance with support terms and conditions to
bring the same into compliance with the criteria set forth above.

(d)      Disclaimer. THESE EXPRESS WARRANTIES TAKE THE PLACE OF AND SUPERSEDE
ALL OTHER WARRANTIES, EXPRESS OR IMPLIED AND WHETHER OF MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE OR OTHERWISE, ALL OF WHICH ARE HEREBY EXPRESSLY
DISCLAIMED. EXCEPT AS EXPRESSLY PROVIDED HEREIN, OSI DOES NOT WARRANT,
GUARANTEE, OR MAKE ANY REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE
USE, OF THE LICENSED SOFTWARE, THE ANCILLARY PRODUCTS, THE SYSTEM OR
DOCUMENTATION. OSI DOES NOT WARRANT THAT THE OPERATIONS OF THE LICENSED SOFTWARE
AND ANCILLARY PRODUCTS WILL BE UNINTERRUPTED OR ERROR FREE.

(e)      Limitation of Liability. EXCEPT FOR OSI'S INDEMNITY OBLIGATIONS UNDER
SECTION 19 (RELATING TO INTELLECTUAL PROPERTY INFRINGEMENTS), A BREACH OF ITS
CONFIDENTIALITY OBLIGATIONS UNDER SECTION 16, ANY LIABILITY OSI MAY HAVE FOR
PERSONAL INJURY OR DAMAGE OR DESTRUCTION OF REAL OR TANGIBLE PERSONAL PROPERTY,
OR LIABILITY RESULTING FROM OSI'S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OSI
SHALL NOT BE LIABLE TO BISYS FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR
CONSEQUENTIAL DAMAGES OR LOST PROFITS OR REVENUES ARISING OUT OF THIS AGREEMENT
OR IN ANY WAY RELATED TO THIS AGREEMENT, EVEN IF OSI KNOWS, SHOULD HAVE KNOWN,
OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT FOR A BREACH OF ITS CONFIDENTIALITY OBLIGATIONS UNDER SECTION 16, OR
LIABILITY RESULTING FROM ITS GROSS NEGLIGENCE OR

Confidential                                                       Page 25 of 74

<PAGE>

WILLFUL MISCONDUCT, BISYS SHALL NOT BE LIABLE TO OSI FOR ANY INDIRECT, SPECIAL,
INCIDENTAL OR CONSEQUENTIAL DAMAGES OR LOST PROFITS OR REVENUES ARISING OUT OF
THIS AGREEMENT OR IN ANY WAY RELATED TO THIS AGREEMENT, EVEN IF BISYS KNOWS,
SHOULD HAVE KNOWN, OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

19.      Indemnification

(a)      Cross Indemnification. Each Party (the "Indemnifying Party") shall
defend, indemnify and hold the other Party and its officers, directors, agents
and employees (the "Indemnified Persons") harmless from and against any and all
third party claims, suits, damages, liabilities, costs and expenses (including
reasonable attorney's fees) arising out of or resulting from any claim relating
to Indemnifying Party's activities under this Agreement, including but not
limited to, the failure to comply with all applicable regulations or laws.

This provision shall not apply to the obligations of OSI covered by Section
19(b), which shall be a separate and exclusive indemnification obligation.

(b)      Indemnification by OSI. OSI shall defend, indemnify and hold BISYS and
its officers, directors, agents and employees harmless from and against any and
all third party claims, suits, damages, liabilities, costs and expenses
(including reasonable attorney's fees) arising out of or resulting from any
claim that BISYS' use of the Licensed Software or the Ancillary Products
infringes a validly existing United States patent, copyright, or trademark or
misappropriates a trade secret of any third party.

In the event that the Licensed Software or Ancillary Product, or any portion
thereof becomes the subject of a claim of infringement or misappropriation, OSI
may, at its option and its expense, take any of the following steps so that
BISYS' use is not subject to any claim of infringement or misappropriation and
BISYS is provided with functionally equivalent software to the reasonable
satisfaction of BISYS, provided that BISYS' use of the Licensed Software or
Ancillary Product conforms with the provisions of the Agreement:

         (i)      procure for BISYS the right to continue using the Licensed
                  Software or Ancillary Product; or

         (ii)     replace or modify the infringing portion of the Licensed
                  Software or Ancillary Product.

The foregoing obligations of OSI do not apply with respect to software and any
other products or portions or components thereof:

         (i)      which are not the latest available release supplied by OSI to
                  BISYS; or

         (ii)     which are combined with other products, processes, hardware or
                  materials where the alleged infringement relates to such
                  combination, unless OSI has consented in writing to such
                  combination or such combination is otherwise authorized,
                  permitted or provided for under this Agreement.

Confidential                                                       Page 26 of 74

<PAGE>

THE FOREGOING STATES THE ENTIRE LIABILITY OF OSI WITH RESPECT TO INFRINGEMENT OF
ANY PATENTS, COPYRIGHTS, TRADEMARKS OR MISAPPROPRIATION OF TRADE SECRETS BY THE
LICENSED SOFTWARE, INTERFACES, OR ANCILLARY PRODUCTS OR ANY PARTS THEREOF. NO
COSTS OR EXPENSES SHALL BE INCURRED FOR THE ACCOUNT OF OSI BY BISYS OR ITS
AGENTS WITHOUT THE PRIOR WRITTEN CONSENT OF OSI.

(c)      Indemnification Procedures. The indemnification obligations of this
Section 19 shall not apply to the extent that the Indemnified Persons were
responsible for giving rise to the matter upon which the claim for
indemnification is based, and such obligations are conditioned on the
Indemnifying Party being:

         (i)      promptly notified by the Indemnified Persons of any and all
                  threats, claims and proceedings related thereto,

         (ii)     given reasonable assistance and cooperation in the defense of
                  the claim by the Indemnified Persons (at the Indemnifying
                  Party's sole cost and expense), and

         (iii)    given the opportunity to assume sole control over the defense
                  and all negotiations for a settlement or compromise.

The Indemnified Person's failure to promptly give notice shall affect the
Indemnifying Party's indemnification obligation only to the extent its rights
are materially prejudiced by such failure.

The Indemnifying Party shall not enter into any settlement without the
Indemnified Persons' prior written consent, which shall not be unreasonably
withheld.

The Indemnified Persons may participate, at their own expense, in the defense of
an indemnified claim and in any settlement discussions, either directly or
through counsel of its choice. The Indemnified Persons shall also have the right
to assume the defense and settle the claim, at the Indemnifying Party's expense,
in the event that the Indemnifying Party, after reasonable written notice, fails
to promptly assume or reasonably pursue such defense.

(d)      The provisions of this Section 19 do not apply to any claim relating to
or arising out of the installation, use, performance, ownership, other rights or
any other claim pertaining to Third Party Software.

20.      Special Covenants.

(a)      Right to Make an Offer upon Third Party Offer. During the Term and any
Renewal Term of this Agreement, BISYS shall have the right to offer to acquire
all the outstanding shares or substantially all the assets of OSI in the event
of a Third Party Offer to acquire all of the outstanding ownership interests in,
or substantially all the assets of, OSI. OSI shall notify BISYS of such offer
and all material terms thereof. For purposes of this Section, a "Third Party
Offer" means a bona fide, written offer from any person or entity with the
demonstrated financial means to purchase all the outstanding ownership interests
in, or substantially all the assets of,

Confidential                                                       Page 27 of 74

<PAGE>

OSI on the terms offered, which offer is acceptable to the Board of Directors of
OSI. Once BISYS receives notice of a Third Party Offer and OSI's notice of
intention to duly consider such offer, BISYS shall have 15 days in which to
notify OSI of its intent either to make a superior offer to acquire all of the
outstanding ownership interests in, or substantially all the assets of, OSI or
to decline the opportunity to make an offer. If BISYS intends to make an offer
it shall do so within 30 days of its notice to OSI. Thereafter, OSI shall
consider the BISYS offer prior to acceptance of any Third Party Offer. The OSI
Board of Directors at its discretion and in accordance with its fiduciary duty
will consider and accept the offer that best benefits OSI's shareholders. BISYS'
rights under this Section 20(a) shall automatically terminate upon completion by
OSI of an initial public offering.

(b)      Board Seat. During the Term and any Renewal Term of this Agreement,
BISYS shall be entitled to nominate a candidate to the Board of Directors of OSI
(or any parent holding company of OSI that may hereafter exist), including any
replacement for such candidate as may be required. The candidate shall be
reasonably acceptable to OSI, and be willing and able to serve subject to all of
OSI's rules, policies and procedures for its directors, generally. OSI agrees to
take steps necessary to cause the nomination of BISYS' approved candidate for
the next election of directors. BISYS' rights under this Section 20(b) shall
automatically terminate upon completion by OSI of an initial public offering.

21.      Termination

(a)      Term. This Agreement and the licenses granted under this Agreement
become effective as of the Effective Date and, unless sooner terminated pursuant
to Section 16 or this Section 21 shall continue in effect until August 31, 2008
(the "Term"). This Agreement may be renewed for one additional successive sixty
(60) month term ("Renewal Term") from the expiration date of the Term on the
terms and conditions set forth in this Agreement, as follows:

         (i)      By mutual written agreement of the Parties;

         (ii)     By BISYS, if BISYS is not in material breach of this Agreement
                  at the time its renewal election is received by OSI and on the
                  last day of the Term, or if BISYS has materially breached this
                  Agreement, such breach has been cured within the applicable
                  time for cure permitted by this Agreement and prior to the
                  time its renewal election is received by OSI and the last day
                  of the Term. Such election must be made by BISYS in writing
                  and must be received by OSI not less than one hundred eighty
                  (180) days prior to the expiration of the Term.

         (iii)    If this Agreement is renewed, as to any region for which the
                  non-compete has been terminated by either Party pursuant to
                  Section 4(b) effective at any time at or prior to the
                  beginning of the Renewal Term, (A) the License Fees in respect
                  of the sale by BISYS of Licensed Software and Ancillary
                  Products, after utilization of any Pre-Paid Licenses that may
                  be carried forward for use in the first Annual Measuring
                  Period of the Renewal Term, shall be one hundred percent
                  (100%) (rather than 75%) of the applicable List Price for all
                  Customer Licensee Fees payable by BISYS to OSI pursuant to
                  Section 8(c)(i)(3) and the Higher Level License Fees payable
                  by BISYS to OSI pursuant to Section 8(c)(ii)(3) in each

Confidential                                                       Page 28 of 74

<PAGE>

                  case with respect to Customer Agreements and agreements with
                  Customers and TotalPlus Customers for sale/license of
                  Ancillary Products, in each case with a first effective date
                  on or after the first day of the Renewal Term, and (B) the
                  Maintenance Fees provided for in Section 8(d)(iii)(3) shall
                  apply to Customer Agreements of Customers in such region
                  during such Renewal Term.

(b)      Termination Conditions. This Agreement shall terminate upon:

         (i)      Written agreement of the Parties to terminate this Agreement;

         (ii)     The effective date of a termination notice given by the
                  non-breaching Party to the breaching Party following the
                  failure of a breaching Party to cure a material breach within
                  ninety (90) days (ten (10) days in the case of all payment
                  obligations) following receipt of notice of such breach from
                  the non-breaching Party. Without limiting the foregoing, a
                  failure by BISYS to meet its payment requirements pursuant to
                  Sections 8(b) and 8(c), shall constitute a "material breach",
                  but a failure by BISYS to meet its minimum sales requirements
                  pursuant to Section 4, shall not constitute a "material
                  breach".

         (iii)    A Party (a) becoming or being declared insolvent or bankrupt,
                  (b) becoming the subject of, and failing to cause its
                  dismissal within 180 days, any proceedings relating to its
                  liquidation, insolvency or for the appointment of a receiver
                  or similar officer for it, (c) making an assignment for the
                  benefit of all or substantially all of its creditors, or (d)
                  entering into an agreement for the extension, or readjustment
                  of all or substantially all of its obligations, and notice
                  from the other Party of its intent to terminate this Agreement
                  as of the date set forth in such notice;

         (iv)     Written notice of a Party at any time during the one hundred
                  eighty (180) day period following a Change of Control of the
                  other Party involving a direct competitor of the notifying
                  Party on not less than 30 days written notice; provided that
                  such termination date is a date not later than the last day of
                  such 180 day period;

         (v)      Notwithstanding Section 21(b)(ii) above, in the case of a
                  breach of Section 16, the effective date of a termination
                  notice given by the non-breaching Party to the breaching Party
                  following the failure of a breaching Party to cure the breach
                  within five (5) days following receipt of notice of such
                  breach from the non-breaching Party; provided that such
                  termination may be immediate and without opportunity for cure
                  if the non-breaching Party determines in its discretion, and
                  so notifies the breaching Party, that the damaged caused by
                  the breach cannot be cured or reasonably mitigated.

(c)      Duties Upon Termination. Following termination of this Agreement, the
Parties shall continue to perform their respective payment and support
obligations under Sections 8 and 9 hereof which obligations shall survive the
termination of this Agreement to the extent provided

Confidential                                                       Page 29 of 74

<PAGE>

in such Sections. OSI shall provide post-closing maintenance support services
and updates of Master Copies as required by Section 9(d).

22.      Dispute Resolution.

(a)      Any controversy or claim arising out of or relating to this Agreement
or the breach thereof shall be settled by arbitration before three (3)
arbitrators in accordance with the Rules of the American Arbitration Association
("AAA") then in effect, and judgment upon the award rendered by the arbitrators
may be entered in any court having jurisdiction. Any such arbitration shall be
conducted in Hartford, Connecticut. The arbitrators shall be selected from a
panel of persons having experience with and knowledge of electronic computers
and the computer business, and at least one of the arbitrators selected shall be
an attorney.

(b)      The arbitrators shall have no authority to award punitive damages and
may not, in any event, make any ruling, finding or award that does not conform
to the terms and conditions of this Agreement.

(c)      Either Party, before or during any arbitration, may apply to a court
having jurisdiction for a temporary restraining order or preliminary or
permanent injunction where such relief is necessary to protect its interests
including, without limitation, to a threatened or actual violation of Section
16.

(d)      Neither Party nor the arbitrators may disclose the existence or results
of any arbitration hereunder without the prior written consent of both Parties.

(e)      Prior to initiation of arbitration or any form of legal or equitable
proceeding permitted by this Agreement, the aggrieved Party shall give the other
Party at least thirty (30) days prior written notice describing the claim and
amount as to which it intends to initiate action, provided that nothing
contained herein shall prohibit either Party from immediately seeking equitable
relief to enforce any provision of this Agreement from a court of competent
jurisdiction under such circumstances as that Party's interests hereunder and
its property will be otherwise comprised including, but not limited to a
violation or threatened violation of Section 16 of this Agreement.

23.      Assignment.

Except as specifically stated in this Agreement with regard to Change in
Control, neither this Agreement nor any of the rights, interests or obligations
of any Party hereunder shall be assigned or delegated by either Party hereto
without the prior written consent of the other. Such consent shall not be
withheld unreasonably. Any unauthorized assignment or delegation shall be null
and void.

24.      General.

(a)      Notices. Any notice provided pursuant to this Agreement shall be in
writing and shall be deemed given (i) if by hand delivery, upon receipt thereof;
(ii) if mailed, three (3) days after deposit in the United States mails, postage
prepaid, certified mail return receipt requested, or (iii) if sent via overnight
courier upon receipt.

Confidential                                                       Page 30 of 74

<PAGE>

IF TO BISYS:

President
BISYS, Inc.
90 Park Avenue
New York, New York 10016

With copies to:
General Counsel
BISYS, Inc.
90 Park Avenue
New York, New York 10016

IF TO OSI:

Chief Executive Officer
Open Solutions, Inc.
300 Winding Brook Drive
Glastonbury, CT

With copies to:
John Kreitler, Esq.
Shipman & Goodwin LLP
One American Row
Hartford, CT 06103

(b)      Binding Agreement. This Agreement shall be binding upon and inure to
the benefit of the Parties, their successors and permitted assigns.

(c)      Governing law and Venue. This Agreement and performance hereunder shall
be governed by the laws of the State of Connecticut without regard to conflicts
of law.

(d)      Force Majeure. Except for BISYS' payment obligations to OSI, neither
Party shall be liable for delay or failure to perform any of its obligations
hereunder to the extent that such delay or failure arises and all times shall be
considered extended for a period of time equal to the time lost because of such
delay or failure.

(e)      Severability. If any provision of this Agreement shall be held to be
invalid, illegal or unenforceable by a court of competent jurisdiction, the
validity, legality and enforceability of the remaining provisions shall in no
way be affected or impaired thereby.

(f)      Remedies. The rights and remedies of the Parties set forth in this
Agreement are not exclusive and are in addition to any other rights and remedies
available to them in law or in equity.

Confidential                                                       Page 31 of 74

<PAGE>

(g)      No Waiver. The waiver or failure of any Party to exercise any right
provided for herein shall not be deemed a waiver of any further right hereunder.

(h)      Independent Contractors. The Parties shall at all times be independent
contractors with respect to each other in carrying out this Agreement.

(i)      Headings. Headings used in this Agreement are for reference only and
shall not be deemed a part of this Agreement.

(j)      Survival. BISYS's payment obligations under Section 8, OSI's
maintenance support obligations under Section 9, the obligations under Sections
13 and 16, the obligations under any other Section which, by their express terms
survive, and the provisions of this Agreement relating to warranties,
limitations of liability, indemnification, choice of law and dispute resolution,
shall all survive the expiration, termination or cancellation of this Agreement
until fully performed or no longer applicable.

(k)      Taxes. The System licensed hereunder to BISYS is to provide data
processing services to Customers. If any tax should be imposed on OSI as a
result of this Agreement, BISYS shall either bear such tax by a direct payment
to the taxing authority or shall reimburse OSI for such tax. BISYS shall be
responsible for any applicable customs and duties related to its licensing of
the System or its provision of Outsourcing Services to Customers.

(l)      Entire Agreement. This Agreement amends, restates, replaces and
supersedes the Original Agreement and the Sound Agreement in its and their
entirety. All rights and obligations of the parties under the Original Agreement
and Sound Agreement shall be governed solely and exclusively by this Agreement.
Accordingly, this Agreement constitutes the complete understanding and agreement
of the parties with respect to the subject matter hereof and of the Original
Agreement and the Sound Agreement, and supersedes any and all prior
understandings, agreements, covenants, statements, negotiations between the
parties, whether oral or otherwise, including, but not limited to the Original
Agreement and the Sound Agreement. This Agreement may not be modified except by
a writing subscribed to by both parties.

               [The Remainder of This Page Is Intentionally Blank]

Confidential                                                       Page 32 of 74

<PAGE>

IN WITNESS WHEREOF, the Parties have executed this Agreement by their duly
authorized representatives as of the date first set forth above.

OPEN SOLUTIONS INC.                               BISYS INC.

By   /s/ Louis Hernandez, Jr.                     By   /s/ William W. Neville
   ---------------------------                       ---------------------------

Name Louis Hernandez, Jr.                         Name     William W. Neville

Its President & CEO                               Its      President

Solely for purposes of the agreements stated in
Section 24(l) relating to the Sound Agreement:
SOUND SOFTWARE DEVELOPMENT, INC.

By             /s/ Carl D. Blando
   --------------------------------------------

Name             Carl D. Blando

Its                 VP & CFO

Confidential                                                       Page 33 of 74
<PAGE>

                        LIST OF SCHEDULES AND APPENDICES

SCHEDULE 1.1  - ANCILLARY PRODUCTS
SCHEDULE 1.11 - LICENSED SOFTWARE
SCHEDULE 1.12 - LIST PRICE
SCHEDULE 1.17 - TERRITORY
SCHEDULE 4    - MINIMUM SALES REQUIREMENTS
SCHEDULE 6(g) - LEAD REFERRAL FORM/COMMISSION SCHEDULE
SCHEDULE 9(b) - SUPPORT TERMS AND CONDITIONS
SCHEDULE 12   - PRODUCT DEVELOPMENT RESOURCES

Confidential                                                       Page 34 of 74

<PAGE>

SCHEDULE  1.1 -- ANCILLARY PRODUCTS

Ancillary products include:

          -    cView

          -    eCB - Technology Outsourcing Center (TOC) (a service, not a
               licensed software product)

          -    Sound Software loan origination for consumer, mortgage and
               commercial

          -    FTI which includes General Ledger, Accounts Payable, Fixed Asset
               and Profit Vision

This Schedule includes the List Prices for the Ancillary Products (references to
the "License Fees" in this Schedule are to the license fees charged to the
customer, not the "License Fees" defined in the Agreement as payable by BISYS to
OSI).

Note that annual maintenance fees apply to all Ancillary Products that are
licensed software products. Implementation, service and training fees will not
be discounted by OSI and will be charged to BISYS by OSI if the services are
performed at BISYS request.

     1.   cVIEW

                               cVIEW LICENSE FEES

<TABLE>
<CAPTION>
=================================================================================================================================
    Asset Size       < [**] MILLION     [**]     [**]         [**]         [**]          [**]            [**]      [**]      [**]
<S>                  <C>                <C>      <C>          <C>          <C>           <C>             <C>       <C>       <C>
MARKET VISION             [**]         [**]     [**]         [**]         [**]          [**]            [**]      [**]      [**]
w/ MY VISION*
---------------------------------------------------------------------------------------------------------------------------------

     MY VISION            [**]          [**]     [**]         [**]         [**]          [**]            [**]      [**]      [**]
---------------------------------------------------------------------------------------------------------------------------------

REPORT WIZARD             [**]          [**]     [**]         [**]         [**]          [**]            [**]      [**]      [**]
w/ MY VISION*
---------------------------------------------------------------------------------------------------------------------------------
ACTIVITY MANAGER          [**]          [**]     [**]         [**]         [**]          [**]            [**]      [**]      [**]
w/ MY VISION*
---------------------------------------------------------------------------------------------------------------------------------

 DYNAMIC MESSAGING        [**]          [**]     [**]         [**]         [**]          [**]            [**]      [**]      [**]
      MANAGER
---------------------------------------------------------------------------------------------------------------------------------
  TOTAL (INCLUDES         [**]          [**]     [**]         [**]         [**]          [**]            [**]      [**]      [**]
 SINGLE COPY OF MY
      VISION)
=================================================================================================================================
</TABLE>

Confidential                                                       Page 35 of 74

<PAGE>

Notes:

     -    Core Reporting with Report Wizard - Includes selected Pre-written
          Reports and simplified Warehouse (Infocenter) definitions as well as
          selected core views.

     -    Market Vision and/or Activity Manager with Report Wizard - Includes
          selected Pre-written Reports and simplified database definitions.

     -    The individual fees for Market Vision, Report Wizard and Activity
          Manager. Each includes the fee for My Vision. If you are combining
          some of these modules, My Vision License Fee should only be included
          in the total once.

                            C-VIEW INSTALLATION FEES

STANDARD IMPLEMENTATION

MY VISION, MARKET VISION, REPORT WIZARD, ACTIVITY MANAGER, DYNAMIC MESSAGING

<TABLE>
<S>                                                                                                  <C>
HARDWARE SPECIFICATION ASSIST. & SOFTWARE INSTALL. ON NEW OR EXISTING SERVERS:                       $[**]
TRAINING ASSISTANCE AND DOCUMENTATION TO INCLUDE
4 DAYS ONSIGHT TRAINING                                                                              $[**]
Classroom theory and understanding of the applications
Defining the environment and needs of each group
Hands on set up of My Vision Portal, up to 25 Users, 5 Channels, Campaigns, etc.
Set up of five to ten custom views with Query Builder and Report Wizard
Set up Links with Activity Manager and Market Vision

SET UP DYNAMIC MESSAGING                                                                             $[**]
Process review and definition and establishment of parameters
Definitions and set up of:
         Positive/passive message push
         Internal message push requirements
         Message categories and conditions
         Points of contact
         Reporting and management information requirements

                                            TOTAL                                                    $[**]
</TABLE>

Confidential                                                       Page 36 of 74

<PAGE>

<TABLE>
<S>                                                                                                  <C>
HARDWARE SPECIFICATION ASSISTANCE & SOFTWARE INSTALL. ON NEW OR EXISTING SERVERS:

TRAINING ASSISTANCE AND DOCUMENTATION TO INCLUDE
2.5 DAYS ONSIGHT TRAINING                                                                            $[**]
Classroom theory and understanding of the application
Defining the environment and needs of each group
Hands on set up of My Vision Portal, Users, Query Builder and Report Manager
Set up of five to ten custom views with Report Wizard

                                            TOTAL                                                    $[**]

HARDWARE SPEC. ASSISTANCE & SOFTWARE INSTALL. ON NEW OR EXISTING SERVERS:                            $[**]

TRAINING ASSISTANCE AND DOCUMENTATION TO INCLUDE
2 DAYS TRAINING                                                                                      $[**]
Classroom theory and understanding of the applications
Defining the environment and needs of key users
Set up Links with Data Sources and Market Vision

                                            TOTAL                                                    $[**]
</TABLE>

Confidential                                                       Page 37 of 74

<PAGE>

STANDARD IMPLEMENTATION
ACTIVITY MANAGER

<TABLE>
<S>                                                                                                  <C>
HARDWARE SPECIFICATION ASSISTANCE & SOFTWARE INSTALL. ON NEW OR EXISTING SERVERS:                    $[**]

TRAINING ASSISTANCE AND DOCUMENTATION TO INCLUDE
2 DAYS TRAINING                                                                                      $[**]
Classroom theory and understanding of the applications
Defining the environment and needs of key using groups
Set up Links with key processes, data sources and Activity Manager

                                            TOTAL                                                    $[**]
</TABLE>

Note that for all cView installations for the total suite or purchases of
individual modules, OSI does a physical install and balancing of the tables or
database on the servers. This typically takes two days onsite with a fee of
$[**] plus staff travel expenses.

Confidential                                                       Page 38 of 74

<PAGE>

2. TECHNOLOGY OUTSOURCING CENTER (TOC) INSTALLATIONS

This is a service and not a licensed software product. The service is provided
for a monthly fee and the List Prices for the TOC services are set forth below.
See Section 8 of the Agreement for the applicable discounted fee payable by
BISYS. Fees for implementation services are charged separately and are not
discounted.

Monthly Fees for e-Commerce Banker Suite Packages, Standalone and Add-On Modules

<TABLE>
<CAPTION>
                                                               e-COMMERCE BANKER: BUSINESS
                                  -----------------------------------------------------------------------------------
                                          STANDALONE MODULES           SUITE           ADD-ON BUSINESS MODULES
                                  -----------------------------------------------------------------------------------
                                                                      Business
                       CONSUME                                         Suite                             Returned
   ASSET SIZE IN       R SUITE     Balance      ACH         Wire     Package    Positive   Intra-Day       Items
     MILLIONS          PACKAGE    Reporting  Origination  Initiation    ++         Pay -   Reporting+++  Reporting+++
---------------------------------------------------------------------------------------------------------------------
<S>                    <C>        <C>        <C>          <C>         <C>        <C>       <C>           <C>
Standard Theme(1)
Setup Fees             $[**]        $[**]      $[**]       $[**]      $[**]      $[**]      $[**]        $[**]
--------------------------------------------------------------------------------------------------------------------
Branded Theme(2)
Setup Fees             $[**]        $[**]      $[**]       $[**]      $[**]      $[**]      $[**]        $[**]
--------------------------------------------------------------------------------------------------------------------
Custom Theme(3)
Setup Fees              [**]         [**]       [**]        [**]       [**]       [**]       [**]         [**]
--------------------------------------------------------------------------------------------------------------------
   $[**] - $[**]M
     Asset Size        $[**]/mo     $[**]/mo   $[**]/mo    $[**]/mo   $[**]mo    $[**]/mo   $[**]/mo     $[**]/mo
--------------------------------------------------------------------------------------------------------------------
   $[**] - $250M
     Asset Size        $[**]/mo     $[**]/m    $[**]/mo    $[**]/mo   $[**]/m    $[**]/mo   $[**]/mo     $[**]/mo
--------------------------------------------------------------------------------------------------------------------
   $[**] - $[**]M
     Asset Size        $[**]/mo     $[**]/m    $[**]/mo    $[**]/mo   $[**]/m    $[**]/mo   $[**]/mo     $[**]/mo
--------------------------------------------------------------------------------------------------------------------
   $[**] - $[**]M
     Asset Size        $[**]/mo     $[**]/m    $[**]/mo    $[**]/mo   $[**]/m    $[**]/mo   $[**]/mo     $[**]/mo
--------------------------------------------------------------------------------------------------------------------
   $[**] - $[**]B
     Asset Size        $[**]/mo     $[**]/m    $[**]/mo    $[**]/m    $[**]/m    $[**]mo    $[**]/mo     $[**]/mo
--------------------------------------------------------------------------------------------------------------------
 $[**]B -  $[**]B
  Asset    Size        $[**]/mo     $[**]/m    $[**]/mo    $[**]/m    $[**]m    $[**]/mo    $[**]/mo     $[**]/mo
--------------------------------------------------------------------------------------------------------------------
   $[**] - $[**]B
     Asset Size        $[**]/mo     $[**]/m    $[**]/mo    $[**]/m    $[**]/m   $[**]/mo    $[**]/mo     $[**]/mo
--------------------------------------------------------------------------------------------------------------------
     $[**] B +
    Asset Size          [**]         [**]       [**]        [**]       [**]      [**]        [**]         [**]
--------------------------------------------------------------------------------------------------------------------
</TABLE>

1. ++Business Suite Package only includes Balance Reporting, ACH Origination,
and Wire Initiation.

- Positive Pay is always an Add-On module to any e-CB Standalone Module or the
Business Suite Package.

+++ Intra-Day and Returned Items Reporting are always add-on modules with
e-Commerce Banker; Balance Reporting.

Additional Transaction and Balance Retention Fees

Financial institutions can choose to extend the period which Transaction and
Balance History are made available to end users through e-Commerce Banker. The
standard retention periods are 6

--------------
(1) Standard Theme includes choice of one of six templates with logo
replacement.

(2) Branded Theme includes choice of one of six templates with color branding
and logo replacement.

(3) Custom Theme is by quote.

Confidential                                                       Page 39 of 74

<PAGE>

months for the Consumer Suite only and 13 months for the Business Suite only or
for the Consumer and Business Suites combined.

- Additional Retention available in blocks of 3 months.

- Fees are [**]% of the combined TOC charge for all modules in use for each
  3-month block added.

Implementation Fees include:

<TABLE>
<S>                                                        <C>
-        Selected Theme Option                             -        Weekly Project Planning Meetings

-        e-Commerce Banker Set-up                          -        Database Configuration

-        Test Data Base for Implementation                 -        Operational Phone Training
         Period

-        Functional and Operational Documentation          -        Installation and set-up of the Software
                                                                     on TOC server

-        Screen Cam

-        90 Days of Transaction History Loaded from Core
</TABLE>

TOC Hardware and Telecommunications Fees

e-Commerce Banker implementation in the TOC requires the FI to purchase high
speed telecommunication services and router hardware. Telecommunication fees are
based on FI location, potential usage and line availability in the area where
the FI resides. The router is required to facilitate production and testing
environments of the e-CB product.

Telecommunications required for TOC implementation, testing and production
include:

-        High Speed Line - for production database

-        IDSN - for emergency backup and testing

OSI is required to procure high speed telecommunications and router equipment
for the FI. TO OBTAIN PRICING FOR TELECOMMUNICATIONS AND ROUTER EQUIPMENT,
COMPLETE THE TOC TELECOM REQUEST FOR SERVICING WORKSHEET AND SUBMIT TO THE OPEN
SOLUTIONS TOC. PLEASE NOTE THAT TIMELINES BETWEEN PROPOSALS AND ACTUAL EQUIPMENT
PURCHASE MAY CAUSE THE COST TO FLUCTUATE. THE CHARGE IS A PASS THROUGH CHARGE
OVER WHICH WE HAVE NO CONTROL. THIS LINE ITEM IN YOUR PROPOSAL SHOULD BE LISTED
AS AN "ESTIMATE".

TOC Test System Support

Specifics to be determined. This will need to be a special quote until defined,
is based on a percentage of the monthly TOC fee.

Confidential                                                       Page 40 of 74

<PAGE>

TECHNOLOGY OUTSOURCE CENTER (TOC)- e-Statement - Print File Server Management
for Core TOC FI's

<TABLE>
<CAPTION>
                     TOC
                 MONTHLY FEES
NUMBER OF DDA    ------------
  ACCOUNTS       e-Statements
-----------------------------
<S>              <C>
  0 -  [**]         $[**]
-----------------------------
 [**]  [**]         $[**]
-----------------------------
 [**]  [**]         $[**]
-----------------------------
 [**]  [**]         $[**]
-----------------------------
 [**]  [**]         $[**]
-----------------------------
 [**]  [**]         $[**]
-----------------------------
 [**]  [**]         $[**]
-----------------------------
 [**]  [**]         $[**]
-----------------------------
 [**] +              [**]
-----------------------------
</TABLE>

This fee is only applied to installations where Core and e-CB are in the TOC.
All This fee is only applied to installations where Core and e-CB are in the
TOC. other installations of the e-Statement product require the FI to install
the e-Statement server in the same facility as their core system.

This fee will be reviewed and adjusted annually based on number of potential
e-Statement accounts available for the service.

QUICKEN, WEB CONNECT

The Previous 2 year versions of Quicken and QuickBooks can be supported through
Web Connect for an additional annual fee as listed below. Mac and PC versions
supported.

<TABLE>
<CAPTION>
                                    CURRENT VERSION QUICKEN ANNUAL FEES
ASSET SIZE IN           -------------------------------------------------------
   MILLIONS             2003              2004            2005           3 Year
-------------------------------------------------------------------------------
<S>                     <C>              <C>              <C>            <C>
$0 -   $[**]            $[**]            $[**]            $[**]           $[**]
-------------------------------------------------------------------------------
$[**]  $[**]            $[**]            $[**]            $[**]           $[**]
-------------------------------------------------------------------------------
$[**]  $[**]            $[**]            $[**]            $[**]           $[**]
-------------------------------------------------------------------------------
$[**] +                 $[**]            $[**]            $[**]           $[**]
-------------------------------------------------------------------------------
</TABLE>

Confidential                                                       Page 41 of 74

<PAGE>

QUICKBOOKS, WEB CONNECT AVAILABLE FOR PC BASED VERSIONS ONLY.

<TABLE>
<CAPTION>
                                   CURRENT VERSION QUICK BOOKS ANNUAL FEES
ASSET SIZE IN           -------------------------------------------------------
  MILLIONS              2003              2004            2005           3 Year
-------------------------------------------------------------------------------
<S>                     <C>              <C>              <C>            <C>
$0 -   $[**]            $[**]            $[**]            $[**]           $[**]
-------------------------------------------------------------------------------
$[**]  $[**]            $[**]            $[**]            $[**]           $[**]
-------------------------------------------------------------------------------
$[**]  $[**]            $[**]            $[**]            $[**]           $[**]
-------------------------------------------------------------------------------
$[**] +                 $[**]            $[**]            $[**]           $[**]
-------------------------------------------------------------------------------
</TABLE>

MIDDLEWARE APPLICATIONS

<TABLE>
<CAPTION>
         MIDDLEWARE APPLICATIONS                     LICENSE FEE
----------------------------------------------------------------
<S>                                                  <C>
QBT MultiPoint(TM)(For Online TCBS/e-CB)*              $[**]**
----------------------------------------------------------------
</TABLE>

*Online interfaces require the QBT Multipoint(TM) middleware application for
in-house installations Hardware not included.

**This cost becomes $[**] when Online ATM is previously installed using the
current QBT Multipoint(TM) product.

DATA CONVERSION

Any financial institution converting from an existing provider of Internet
banking, cash management, and/or bill payment services may require a data
conversion. Conversion Scope includes, Current Customer Profiles, Payees, Payee
Authority, and two Cuts of Test Data.

Customer Information Conversion Fee...$[**]
Bill Payments Data Conversion Fee (PEC and In-House Check Print Only)...$[**]

3. SOUND SOFTWARE (LOAN ORIGINATION)

<TABLE>
<CAPTION>
                         Product Description                               Unit Price    Qty     One Time Cost     Annual cost
------------------------------------------------------------------------------------------------------------------------------
<S>                                                                        <C>           <C>     <C>               <C>
MORTGAGE MANAGEMENT SYSTEM FOR WINDOWS
                Base System                                                  $[**]               $                 $
                Includes Census tract, Credit Bureau, and Flood
                Uplink to currently interfaced vendors
WIDE AREA NETWORK PROCESSING (BRANCH LOCATIONS)
                1st copy (in addition to Base System Site)                   $[**]               $                 $
                Copies 2-5                                                   $[**]               $                 $
                Copies 6+                                                    $[**]               $                 $
OTHER MODULES
                Internet Application Import                                  $[**]               $                 $-
                MI Company Interface (eMagic included in base price)         $[**]               $          -
                CRA Wiz Uplink                                               $[**]               $          -      $
</TABLE>

Confidential                                                       Page 42 of 74

<PAGE>

<TABLE>
<S>                                                                          <C>           <C>        <C>
Remote Origination System

                             1st copy                                        $[**]         $     -    $-

                             Copies 2-5                                      $[**]         $     -    $-

                             Copies 6 +                                      $[**]         $     -    $-

                FHA/VA Processing System                                     $[**]         $     -    $-

                Closing (Conventional)                                       $[**]         $     -    $

                                With FHA/VA documents, additional            $[**]         $     -    $-
                Host Servicing Uplink                                        $[**]         $          $
AUTOMATED UNDERWRITING SYSTEMS
                Fannie Mae Desktop Underwriter Uplink                        $[**]         $          $
                             additional copies available at a                              $     -    $-
                discounted price

                Freddie Mac Loan Prospector Uplink                           $[**]         $          $
                             additional copies available at a
                discounted price                                                           $     -    $-
                Software Subtotal                                                          $          $
                Installation & Training + M&R per day*
                     2 days minimum on site training                         $[**]         $
                Software Customization Fee                                   $[**]         $

                TOTAL FOR MORTGAGE SOFTWARE AND INSTALLATION                               $
</TABLE>

***** Above pricing does not include the Laser forms which are contracted from
BSI or Greatland forms. Ask your Sound Software rep for contact information.

**Above pricing does not include County Lookup Files for Census Tract which are
provided by PCi Services. Contact Jennifer Moughalian 617-535-3000.

Confidential                                                       Page 43 of 74

<PAGE>

                         COMMERCIAL DOCUMENTER SOFTWARE
         NOTE: LICENSE COSTS FOR ALL ITEMS (EXCEPT TRAINING) ARE ANNUAL

<TABLE>
<CAPTION>
     Wtd COMMERCIAL
PORTFOLIO SIZE ($MILLIONS)         CONSTANT
[1]                                  PRICE         $0-$[**]    $[**]-$[**]  $[**]-$[**]   $[**]-$[**]    $[**]-$[**]     $[**]-$[**]
-----------------------------------------------------------------------------------------------------------------------------------
<S>                                <C>             <C>         <C>          <C>           <C>            <C>             <C>
      Est. Corresponding Total
                        Assets                     $0 -$[**]   $[**]-$[**]   $[**]-$[**]    $[**]-$[**]   $[**]-$[**]    $[**]$[**]
-----------------------------------------------------------------------------------------------------------------------------------
   Base License (incl. 1 user)                         $[**]         $[**]         $[**]          $[**]         $[**]         $[**]
-----------------------------------------------------------------------------------------------------------------------------------
 Cost of Additional Concurrent
                      User [2]     $[**]
-----------------------------------------------------------------------------------------------------------------------------------
   Typical range of concurrent
        users & corres. Price:
-----------------------------------------------------------------------------------------------------------------------------------
Start:                                                  [**]          [**]          [**]           [**]          [**]          [**]
-----------------------------------------------------------------------------------------------------------------------------------
Start Price:                                           $[**]          [**]         $[**]          $[**]         $[**]          [**]
-----------------------------------------------------------------------------------------------------------------------------------
End:                                                    [**]          [**]          [**]           [**]          [**]          [**]
-----------------------------------------------------------------------------------------------------------------------------------
End Price:                                             $[**]          [**]         $[**]          $[**]         $[**]          [**]
-----------------------------------------------------------------------------------------------------------------------------------
     * Actual # of  concurrent
                         users                          [**]          [**]          [**]           [**]          [**]          [**]
-----------------------------------------------------------------------------------------------------------------------------------
        Cost of Total Licenses                         $[**]          [**]         $[**]          $[**]         $[**]          [**]
-----------------------------------------------------------------------------------------------------------------------------------
            Front-end link [3]                         $[**]          [**]         $[**]          $[**]         $[**]          [**]
-----------------------------------------------------------------------------------------------------------------------------------
             Back-end link [4]                         $[**]          [**]         $[**]          $[**]         $[**]          [**]
-----------------------------------------------------------------------------------------------------------------------------------
     Specialty Lending Modules
         (indep of # of users)                                        [**]          [**]                         [**]
-----------------------------------------------------------------------------------------------------------------------------------
                   SBA Lending                         $[**]          [**]         $[**]          $[**]         $[**]
-----------------------------------------------------------------------------------------------------------------------------------
                                                                      [**]          [**]                         [**]
-----------------------------------------------------------------------------------------------------------------------------------
 Additional Functional Modules
         (indep of # of users)                                        [**]          [**]                         [**]
-----------------------------------------------------------------------------------------------------------------------------------
                                                                      [**]          [**]                         [**]
-----------------------------------------------------------------------------------------------------------------------------------
   * Annual Excess Support per
                    person [5]    $[**]                               [**]          [**]                         [**]
-----------------------------------------------------------------------------------------------------------------------------------
                  Training [6]                                       $[**]         $[**]          $[**]         $[**]
-----------------------------------------------------------------------------------------------------------------------------------
  * Excess/ refresher Training
                per person [5]    $[**]                 [**]          [**]          [**]           [**]
-----------------------------------------------------------------------------------------------------------------------------------
</TABLE>

                                                                   Page 44 of 74

<PAGE>

1 From Call Report or TFR: C&I + CRE (weighted at [**]%)

2 Concurrent User. This is used to back prospect into what they can afford.
Outside Counsel cost is treated same as additional concurrent user (however they
still need to sign the separate outside counsel's license) . We eliminated
automatic lockouts but we do monitor usage and will charge if above threshold
for so many times/ month.

3 Front-end interface link would be automatic feed from an origination system

4 Backend interface link would be automatic feed to core accounting system. If
requirement is to sync relationship data as well add $[**] (for one-time dump of
relationship data into Documenter add $[**] one-time).

5 Cost of additional training & support if for more than 1.5x concurrent
users. Training is always one-time cost.

6 Training is for 1.5x # of concurrent licenses and includes out of pocket
costs for onsite. If done at PCi facilities then $[**] up to a group of 11
presuming the total to be trained is less than or equal to 1.5x the number of
concurrent users (rounded up). Web training is used for distant small banks or
any group of 3 can choose this for $[**]. Refresher training is the same price,
as initial Training except smallest bank must pay $[**] as well.

                                                                   Page 45 of 74

<PAGE>

<TABLE>
<CAPTION>
                         Product Description                                       Unit Price     Qty          One Time Cost
----------------------------------------------------------------------------------------------------------------------------
<S>                                                                                <C>            <C>          <C>
CONSUMER LOAN MANAGEMENT SYSTEM
            Base System -  Multi-User                                                 $[**]                     $
            Includes Census tract, Credit Bureau, and Flood Uplink to
            currently interfaced vendors

WIDE AREA NETWORK PROCESSING
            1st copy (in addition to Base System Site)                                $[**]                     $
            Copies 2-5                                                                $[**]                     $
            Copies 6+                                                                 $[**]                     $

            Internet Application Import                                               $[**]                     $
            Fair Issac Interface                                                      $[**]                     $

            Mainframe Uplink - First Copy  Multi-User - OTLF                          $[**]                     $
            Software Subtotal                                                                                   $
            Installation & Training + M&R per day*                                    $[**]                     $
                            2 days minimum at Bank
            Software Customization Fee                                                $[**]                     $

            TOTAL FOR CONSUMER                                                                                  $
</TABLE>

* Above pricing does not include the Laser forms, which are contracted from BSI
or Greatland forms. Ask your Sound Software rep for contact information.

**Above pricing does not include County Lookup Files for Census Tract that are
provided by PCi Services.

Confidential                                                       Page 46 of 74

<PAGE>

2. FTI
ACCOUNTS PAYABLE
LICENSE

<TABLE>
<CAPTION>
                               ASSETS < $[**]            ASSETS < $[**]     ASSETS < $[**]       ASSETS > $[**]
<S>                            <C>                       <C>                <C>                  <C>
Base System                         $[**]                    $[**]              $[**]                $[**]
Simultaneous User Access            $[**]                    $[**]              $[**]                $[**]
Automated Clearing House            $[**]                    $[**]              $[**]                $[**]
Total all modules                   $[**]                    $[**]              $[**]                $[**]
</TABLE>

TRAINING

<TABLE>
<CAPTION>
                             DURATION
<S>                          <C>
On-Site User Training           1  day

Web-Based Training             1/2 day
</TABLE>

FTI FIXED ASSETS
License

<TABLE>
<CAPTION>
                                 ASSETS < $[**]        ASSETS < $[**]    ASSETS < $[**]   ASSETS > $[**]
<S>                              <C>                   <C>               <C>              <C>
Base System                           $[**]                $[**]             $[**]            $[**]
Simultaneous User Access              $[**]                 [**]             $[**]            $[**]
Total all modules                     $[**]                $[**]             $[**]            $[**]
</TABLE>

TRAINING

<TABLE>
<CAPTION>
                                         DURATION                                   FEE
                                         --------                                   ---
<S>                                      <C>                   <C>
On-Site User Training                      1 day               $[**]* plus travel expenses
                                                               On-site training is limited to eight students
</TABLE>

Confidential                                                       Page 47 of 74

<PAGE>

Services

<TABLE>
<CAPTION>
                                                                  ESTIMATED            ESTIMATED
                                               RATE               DURATION                FEE*
                                               ----               --------                ----
<S>                                         <C>                   <C>                  <C>
Programming Services for Data Conversion    $[**]/hour             6 hours             $[**]
Setup and Implementation Assistance         $[**]/hour             6 hours             $[**]
</TABLE>

*Actual time in excess of the estimates will be invoiced at the calculated
hourly rate.

FTI GENERAL LEDGER
License

<TABLE>
<CAPTION>
                                ASSETS< $[**]   ASSETS< $[**]   ASSETS< $[**]      ASSETS> $[**]
                                   LICENSE         LICENSE         LICENSE            LICENSE
<S>                             <C>             <C>             <C>                <C>
Base System                          $[**]           $[**]          $[**]              $ [**]
(Includes Report Designer)
Simultaneous User Access             $[**]           $[**]          $[**]              $ [**]
Multiple Department Rollup           $[**]           $[**]          $[**]              $ [**]
Multiple Inst. Consolidation         $[**]           $[**]          $[**]              $ [**]
Advanced Report Writer               $[**]           $[**]          $[**]              $ [**]

Total All Options                    $[**]           $[**]          $[**]              $ [**]
</TABLE>

TRAINING

<TABLE>
<CAPTION>
                                  DURATION                                              FEE
<S>                               <C>                                  <C>
On-Site User Training             2 days - GL                          $[**] plus travel and living expenses

Note that On-site training
is limited to eight students

Adv. Report Writer                1 day                                $[**] plus travel and living expenses
</TABLE>

Confidential                                                       Page 48 of 74

<PAGE>

SERVICES (ESTIMATES ONLY)

<TABLE>
<CAPTION>
                                                             ESTIMATED
                                                       RATE           DURATION             FEE*
                                                       ----           --------             ----
<S>                                                  <C>              <C>                 <C>
Programming Services for GL Data Conversion          $[**]/hour        6 hours            $[**]
Programming Services for Adv. Report Writer          $[**]/hour        6 hours            $[**]
Programming Services for JE Conversion               $[**]/hour        2 hours            $[**]
Setup and Implementation Assistance                  $[**]/hour        6 hours            $[**]
Adv. Report Writer Report Building                   $[**]/hour        6 hours            $[**]
</TABLE>

*Actual time in excess of the estimates will be invoiced at the calculated
hourly rate.

Confidential                                                       Page 49 of 74

<PAGE>

PROFIT VISION

<TABLE>
<CAPTION>
                   LICENSE
                   -------
ASSET SIZE          FEES         MAINTENANCE          IMPLEMENTATION/TRAINING         ESTIMATED TOTAL
----------          ----         -----------          -----------------------         ---------------
<S>                 <C>          <C>                  <C>                             <C>
  $[**]             $[**]           $[**]                      $[**]                       $[**]
  $[**]             $[**]           $[**]                      $[**]                       $[**]
  $[**]             $[**]           $[**]                      $[**]                       $[**]
  $[**]             $[**]           $[**]                      $[**]                       $[**]
</TABLE>

Note: The above examples assume (1) FTI is delivering Product and Organizational
Profitability Reporting, (2) Funds Transfer Pricing and Rules-Based Cost
Allocations using FTI's templates are in use.

4. ITEM PROCESSING

BISYS shall use Open Solutions' Simsbury item processing facility as its
preferred facility in this geography. Fees will be quoted by OSI on a
case-by-case basis.

Confidential                                                       Page 50 of 74

<PAGE>

SCHEULDE 1.11- OSI LICENSED SOFTWARE

THE COMPLETE BANKING SOLUTION:

- Customer Service Representative       - Teller

- Batch Manager                         - Notes

- Loan CSR                              - Batch Server

- Loan Monetary                         - Systems Operations

- Loan Escrow                           - Bank Operations

- Branch Operations                     - File Manager

- IRS Manager                           - On-line Help

- Product Manager                       - Dealer Reserve

- On Demand Reporting                   - Lease Security

- Employee Tickler System

- ACH Origination

- Real-time / Memo Post Plus transaction posting options

- COLD Storage OSI Standard Interface

- Pricing Manager

- Print Operations

- Item Processing
         OSI Standard In-clearing file (Standard Fed Format)
         OSI Standard Exception File
         OSI Standard Daily Cycle File
         OSI Standard Statement Cycle file

- G/L Standard Interface - FTI included

THE COMPLETE COMMERCIAL BANKING SOLUTION: Details about this will be forthcoming
when released by OSI. The targeted dated for this is December 2003.

Confidential                                                       Page 51 of 74

<PAGE>

SCHEDULE 1.12 -- 2003 LIST PRICE SCHEDULE

This schedule includes the List Prices for the following:

  -        License fees for TCBS and TCCBS

  -        License fees for optional add-on modules

  -        Interface fees

  -        Third Party Software fees

All references to the "License Fees" in this Schedule are to the license fees
charged to the customer, not the "License Fees" defined in the Agreement as
payable by BISYS to OSI)

Note that all license and interface fees exclude annual maintenance. In
addition, associated implementation and training fees will not be discounted by
OSI.

                         LICENSE FEES FOR TCBS AND TCCBS
               (Prices based on the higher of assets or accounts)

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------
ASSET SIZE OR NUMBER OF ACCOUNTS                               LICENSE FEE FOR SYSTEM
<S>                                                            <C>
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**] or [**] Accounts                                                  $[**]
<$[**]                                                                    [**]
--------------------------------------------------------------------------------------
</TABLE>

Confidential                                                       Page 52 of 74

<PAGE>

                    OPTIONAL OSI ADD-ON SOFTWARE LICENSE FEES

<TABLE>
<CAPTION>
MODULE DESCRIPTION                                                         FEES
------------------                                                         ----
<S>                                                          <C>                       <C>
INVESTOR REPORTING
(Secondary Market Management)
                                                             Number of Loans
                                                             ---------------
                                                                   0-[**]              $[**]
                                                                     [**]              $[**]
                                                                     [**]              $[**]
                                                                [**]+[**]              $[**]
</TABLE>

Includes remittance interfaces to FHLMC (Freddie Mac) loan level & delinquency
reports, FNMA (Fannie Mae) 80 column Interface & delinquency reporting. Training
not included. Please obtain quote from Professional Services

FORWARD SALES SERVICING ADD-ON MODULE TO INVESTOR REPORTING

<TABLE>
<CAPTION>
                                                                 Number of Loans
                                                                 ---------------
<S>                                                              <C>                       <C>
                                                                         [**]              $[**]
                                                                         [**]              $[**]
                                                                         [**]              $[**]
                                                                    [**]+[**]              $[**]
                                                                                            [**]
LOAN PARTICIPATION MODULE

          1-[**] Participant Agreements                                                    $[**]
            [**] Participant Agreements                                                    $[**]
            [**] Participant Agreements                                                    $[**]
            [**]+ Participant Agreements                                                   $[**]
</TABLE>

Training is one day @ $[**]/seat

CONSTRUCTION LOAN DISBURSEMENT MANAGEMENT SYSTEM

# Master Loans (A single loan can be made up of many individual projects.)

<TABLE>
<CAPTION>
                                                                            Number of  Loans
                                                                            ----------------
<S>                                                                         <C>                    <C>
                                                                                  0-[**]           $[**]
                                                                                    [**]           $[**]
                                                                                    [**]+          $[**]
</TABLE>

Training is one day @ $[**]/seat. Obtain quote from Professional Services

Confidential                                                       Page 53 of 74

<PAGE>

SAFE DEPOSIT BOX MODULE

Pricing for Safe Deposit Box Leasing is by branch. Accommodations may be made
for financial institutions that do not have boxes in every branch.

       IN HOUSE LICENSE PRICING

<TABLE>
<S>                                                    <C>
Base Price (includes [**] branch)                      $[**]*  (training CD included)
     Price per branch for branches [**]                $[**]*
     Price per branch for branches [**] >              $[**]*
</TABLE>

       PROFESSIONAL SERVICES

<TABLE>
<S>                                                <C>          <C>
Data Conversion - based on data source                          Contact Conversions for quote  (Tom Galvin)
Product Set-up Support                             Hourly Rate  Contact Conversions for quote (Tom Galvin)
</TABLE>

       TRAINING MATERIALS

<TABLE>
<S>                                              <C>
Training CD (Per CD)                             $[**]
</TABLE>

*ANNUAL FEES APPLY TO TOTAL LICENSE PRICE.
PER BOX IN INVENTORY ON BILLING DATE

  Open Solutions Asset Collection Management System

<TABLE>
<CAPTION>
                                           ASSET< $[**]      ASSET < $[**]         ASSET < $[**]         ASSET > $[**]
<S>                                        <C>               <C>                   <C>                   <C>
LICENSE FEE - 3 SEATS/USERS                    $[**]              $[**]                 [**]                $[**]

ORACLE LICENSING FEES                          $[**]              $[**]                $[**]                $[**]
ADDITIONAL SEATS > 3 @ $[**]/SEAT                0                  0                    0                     0

         TOTAL ONETIME FEES:                   $[**]              $[**]                $[**]                $[**]
</TABLE>

Confidential                                                       Page 54 of 74
<PAGE>

ASSET COLLECTION MANAGEMENT SYSTEM REQUIRED TRAINING

OPTION 1: ONSITE TRAINING - To train the users, it would be a one day session
for up to 12 students at $[**]/per day. We would need time for 1/2 prep/setup
for the onsite training. This would be billable at an additional $[**]. This
option price quote is $[**] plus travel expenses.

OPTION 2: TUTORIAL TRAINING GUIDE WITH A FOLLOW-UP LEARN LINC CLASS OVERVIEW -
This session would NOT be hands-on, therefore not as comprehensive. Requirement
would be to review the Tutorial Training Guide prior to attending the LearnLinc
Session. These sessions would be approximately 2 hours each @ $[**] per hour,
with a maximum number of students per session of 6. Client may also want to
consider scheduling an additional hour or two for a follow-up Q&A session. Price
quote is $[**] for each 6 person Learn Linc class, if training were to include
the follow-up QA session, price quote would be $[**].

OPTION 3: TRAINING AT OSI - Client can attend a 1 day session at OSI for the
user training. Price quote is $[**] for a one- day session, may have up to 10
attendees.

Premium Overdraft-

Programs that are assisting financial services organizations in dramatically
increasing overdraft fee revenue have garnered a lot of attention in 2003. Many
consultative companies have brought to market programs that support increasing
overdraft income for financial institutions while addressing the regulatory and
risk management concerns that are attendant in this program. Although the
approaches differ between these trusted third-party advisors, there is one
component that links them all together - automated overdraft pay/no-pay
decisioning. The decision criteria often vary, but the automation of the
pay/no-pay decisions is always accomplished within Open Solutions' core
transactional system.

Many Open Solutions' clients are considering implementing this overdraft fee
enhancement program. Open Solutions highly recommends that its clients seriously
consider retaining the services of a third-party consulting firm to aid them
with their implementation. These types of programs carry inherent risks in the
areas of negative balance losses, regulatory compliance, internal process change
as well as possible implications to customer/member services and public
relations.

Open Solutions has integrated several products with its automated decision
matrix to assist clients in better managing the risk associated with overdrawn
accounts. Our Asset Management Collections System (AMS) imports and reports to
collection managers negative balance deposit accounts, while Dynamic Messaging
Manager provides automated/interactive notification to tellers and customer
service representatives during the very important early stages (<30 days) of
overdraft condition.

The following components will be standard in OSI's Premium Overdraft Program
offering. Each institution will be able to:

1)   Specify the number of days an account has to be open before it is allowed
     into the program.
         This is set at the product level using a calculation variable. There is
         a setting for consumer accounts and one for business accounts.

2)   Specify the ledger balance amount that an account must have at the time it
     reaches the number of day's parameter.
         This is set by product so different products could have different
         minimum balance criteria. The minimum balance would be used for BOTH
         Business and consumer accounts IF these they are co-mingled in the
         product.

3)       Exclude an account if it had been NSF within a institution specified
         number of days;

Confidential                                                       Page 55 of 74

<PAGE>

         This is a calculation variable by product so different products could
         have different periods.

4)   Exclude, or inactivate eligibility, for customer/members if they have a
     non-performing loan;

5)   Exclude an account if it does not normally receive deposits on a monthly
     (rolling 30 day) basis that exceed the allowed overdraft dollar amount

6)   Grant the privilege to an account even if it does not meet the "number of
     day's open" criteria as long as the customer/member has another account
     that has been previously been granted the privilege;

7)   Exclude the accounts that employees own or play a "SIGN" role on the
     account;
         This can be turned on or off based on a parameter on the job.

8)   Provide a warning flag on the account when the account is granted the rites
     to the program. Remove the flag when the account is removed from the
     program;

9)   Automatically remove the account from the program after the account reaches
     an institution-specified number of days in overdraft status; This is a
     calculation variable at the product level so different products could have
     different periods.

10)  Provide reports of transactions that were paid via the program;

11)  Create custom overdraft notices for those accounts in the program vs. those
     accounts that are not in the program;

12)  Provide one daily flat file extract to most third-party advisor's
     application systems (e.g. Sheshunoff, Pinnacle, Floyd, etc.)

13)  Automatically reactivate the account (after becoming ineligible) once it
     has been positive for an institution specified number of days. This can be
     turned "OFF" or "ON" as the institution desires.

14)  Allow the institution the ability to have different OD limits for business
     or consumer accounts.

15)  Provide the institution the ability to restrict the program to just
     consumer accounts.

16)  Provide a program that will address updating accounts when the threshold is
     changed on the products.

17)  The institution will have the ability to exclude accounts that are set up
     in a sweep process.

18)  The institution will have the ability to exclude accounts that have draws
     set up on them.

Custom Solutions should be contacted for a fee quote to develop the
auto-decisioning matrix software for a BISYS client.

Confidential                                                       Page 56 of 74

<PAGE>

                                 INTERFACE FEES

OSI STANDARD INTERFACES, as listed below in BOLD CHARACTERS, are supported with
each software release and Fees are included when calculating annual support
fees.

Professional Services is a division of OSI that offers customized offerings,
around our core product, to our clients at an hourly rates. Professional
Services are available to manipulate standard interface files or, in some cases,
create new interfaces on a client-by-client basis. These services are priced
separately and such interfaces, or alterations of interfaces, are not supported
on an ongoing basis. (Annual maintenance fees on these services are not
assessed.) Any future changes required to these files/interfaces must be
requested by BISYS, scheduled by Professional Services and billed to the BISYS
Solutions hourly rates.

VOICE RESPONSE INTERFACES

<TABLE>
<S>                                                                          <C>
Transaction Server Fee:
STANDARD SINGLE CLIENT                                                       $[**]
MULTI CLIENT      SPECIAL QUOTE

Vendors Currently Supported: Maxxar, Syntellect and TFB
(Technology for Business) Audio- Tel; Centurion, S1/Regency

New vendor certification fee (in addition to Transaction Server Fee)         $[**] per hour
</TABLE>

Note: InterVoice does not maintain a standard and must currently be re-certified
with each installation.

INTERNET RELATED INTERFACES

<TABLE>
<S>                                                                          <C>
ECB (REAL-TIME INTERFACE WITH TCBS OR TCCBS) INCLUDED

Quicken/Money "Active Statement" download                                    $[**]

Third Party Internet Provider (batch only)

EquiFax (Goldleaf), Q-UP, Digital Insight                                    $[**]

CASH MANAGEMENT SYSTEMS

ECBII (REAL-TIME INTERFACE WITH TCBS AND TCCBS)   INCLUDED

OSI BANK ON IT (PREVIOUSLY GLOBAL PAYMENT SYSTEM) INCLUDED

Sterling(BAI2)                                                                [**]

LOAN RELATED INTERFACES
STANDARD IBS COLLECTION SYSTEM INTERFACE FILE TO OSI                          [**]

(Training and installation is done by IBS and is not included)
</TABLE>

Confidential                                                       Page 57 of 74

<PAGE>

<TABLE>
<S>                                                                          <C>
CREDIT BUREAU    Metro II Format                                             $[**]

SBA 1502 Comprehensive Colson Reporting                                      $[**]
Automated process for SBA reporting

LOAN ORIGINATION                                                             $[**]
            Sound Software**      Easy Lender*
            CFI Laser Pro         Contour           Eastern*
            IA Systems            ACS Software
</TABLE>

*    Use Sound Software specification

**   Loan Origination Interface fees for Sound Software only are waived.

<TABLE>
<S>                                                                          <C>
Loan Origination Interfaces supported through Lowenstein's Lenderlink:
            Harland Laser Pro     BSI ARTA and Rembrandt Contour

            LOAN COUPONS                                                     $[**]

            NCP                   Allison           Deluxe

            LOAN INSURANCE (Standard Billing and response files)
                                                                             $[**]
            SBLI     US Life      Prudential     Katz

            LOAN TAXES      -Transamerica `C' Service layout
                                                                             $[**]
            First American Fidelity

            INTEGRATED LOAN MANAGEMENT                                       $[**]

            Baker Hill - One Point

            INVESTOR RELATED INTERFACES

            FHLB NY Format                                                   $[**]
            FHLB San Francisco    Format                                     $[**]
            (Pricing includes Set-up support)
</TABLE>

FINANCE RELATED INTERFACES

<TABLE>
<S>                                                                          <C>
GENERAL LEDGER

            OSI Standard Interface for OSI FTI GL Included

            The following vendors: IPS Sendero, FNS *,
            Dun & Bradstreet (DB), PeopleSoft, Computron, Sanchez
            Great Plains                                                     $[**]
</TABLE>

Confidential                                                       Page 58 of 74

<PAGE>

ATM

<TABLE>
<S>                                                                          <C>
ATM POSITIVE BALANCE + POSTING FILES (per network/vendor)                    $[**]

            ASSET/LIABILITY
                   OSI STANDARD INTERFACE FOR OSI FTI                         [**]

IPS/SENDERO                                                                  $[**]
            (New Vendor at Custom Solutions' rate $[**] Minimum)

STATE SOCIAL SECURITY MATCHING
Federal File Format                                                          $[**]
Other formats are available at $[**] fee - no maintenance, not supported
New formats at CS rate $[**] minimum

EXTERNAL BANK CHECK RECONCILIATION                                           $[**]

Travelers Express                 American Express

IRS FORMS

OSI STANDARD (MOORE FORMAT)                                                  $[**]

Utilizing OSI standard: Moore, ACS

MCIF (MARKETING CENTRAL INFORMATION FILES)                                   $[**]

Harland-Maxsell (formerly MPI)
Sedona-Intarsia (formerly Axciom or Deluxe Marketwise)
Centrax
Medici
Raddon
(New Vendor at additional Professional Services rates -- $[**] Minimum)

IMAGE RELATED INTERFACES

ONLINE IMAGE INTERFACE W/TCBS OR TCCBS
                    IMAGE STATEMENT PRINTING INTERFACE
            $[**]OSI/Imagic, Vsoft, Wausau /Wausau w/Web Enabler -
                    Optima FX, AFS ACS, DSI
                    Others @ Professional Service Rate
                    Online Check Image Viewing Interface w/ TCBS and TCCBS
SER Synergy 2000                                                             $[**]

Onbase - Optima 3 IMS

Core application uses API call through the IIS server.

NEW INTERFACES - Quote provided after documentation review
</TABLE>

RECONCILIATION SYSTEM

Confidential                                                       Page 59 of 74

<PAGE>

<TABLE>
<S>                                                                          <C>
BISYS, Consolidated                                                          $[**]
            CSF, ACI, S2, etc.
            Elan                  MPS               EDS
            NYCE                  Norwest           Cartel
            Concord EFS           Concord EFS       Fiserv
            Deluxe                Honor             Star
            Magic-line            Intercept         Trans-alliance
            eFunds
</TABLE>

(Networks may require re-certification activities. These activities are billed
to the client separately at Professional Services Rates.)

<TABLE>
<S>                                                                          <C>
CAF FILE                                                                     $[**]
            MPS           NYCE       Fiserv
            VISA DPS      EDS        eFunds         Elan

PLASTIC CARD INTERFACE                                                       $[**]
            Standard Register     Faraday I or II   Personics Shoreline
</TABLE>

MISCELLANEOUS INTERFACES

        CHECK ORDERING INTERFACES - CORE

<TABLE>
<S>                      <C>
Less Than $[**]          $[**] license
$[**]-$[**]              $[**] license
$[**]-$[**]              $[**] license
$[**] and above          $[**] license
</TABLE>

         Currently offered for Clarke American or Harland. There may be addition
         set-up or usage fees charged by the client's check vendor.

<TABLE>
<S>                                                                          <C>
CERTIFIED CASH DISPENSERS
(from OSI Certified  List)                                                   $[**]
(Plus set-up Fees at Professional Services Rates)
</TABLE>

                  (Non-Certified Cash dispensers may be utilized at minimum
                  additional price of $[**] per terminal type. Cash Dispensers
                  chosen must be included on the Nexus XSF Connect Cash
                  Dispenser Certified list. Support of Non-Certified Machines
                  are not included in maintenance. Professional Services may be
                  utilized to recertify cash dispensers on each release.)

<TABLE>
<S>                                                                          <C>
FORMS VENDOR INTERFACE (each)                                                $ [**]
(Deposit/IRA forms only)
BSI     CSI     UPI     ABS
Formats not listed above must be quoted by Professional Services
</TABLE>

Confidential                                                       Page 60 of 74

<PAGE>

THIRD PARTY SOFTWARE (LICENSED THROUGH OSI)

<TABLE>
<CAPTION>
VENDOR                       PRODUCT                    FEES                          FEES UNIT
------                       -------                    ----                          ---------
<S>                          <C>                        <C>                           <C>
Nexus*                       Passbook Printing,         $[**] per seat                User (1)  (4) (5)
                             Receipt Printing and
                             On-Line Forms

Brio (formally Sqribe)* (2)  SQR-Run Time Copy          $[**]                         Per Client Site **

                             Visual Sqribe              $[**]                         Per User

                             SQR Server                 Call for quote                Per Client Site
                             (database server hardware
                             needs to be known)
Jet Form*                    Jet Form  Design           $[**]                         User

IBS                          CMS (Collection Management $[**]                         Seat          (3)
                             System)

SER Microsoft                COLD (Computer Output to   $[**] Server License plus     Per Client Site
                             Laser Disk)                $[**] for 5 concurrent users
                                                        $[**] Enterprise Server
                                                        License for 6 or more
                                                        concurrent users
</TABLE>

*Jet Form Design is only needed when a customer wants to design & create their
own forms.

** Per Client Site refers to individual client or a single bank of a holding
company.

(1)      Per PC/workstation that is connected to a print server. Generally will
         be teller stations and CSRs. Nexus should be installed by client staff
         or third party providers contracted by client staff. If client wants
         OSI to setup Nexus driver, they will be charged under the Professional
         Services section.

(2)      Application Specific Run Time is the standard version supplied with the
         OSI system, which allows the generation of the standard OSI reports.
         Visual Scribe and SQR Server will be offered as part of the SQR Toolkit
         only. This will require the client to attend a training session and pay
         for software (per seat), see section.

(3)      An annual audit concept will apply to Third Party Software,
         particularly for Oracle and printer manager software. Clients will be
         billed for any increases in seat or user licenses over that amount
         previously licensed.

(4)      Must be purchased from OSI to maintain control of versions and insure
         software is certified to work with OSI systems & applications.

Confidential                                                       Page 61 of 74

<PAGE>

(5)      Client must send in the software license registration card to get
         support and upgrades external to OSI.

OFAC SOFTWARE

OFAC software is provided via the third party product (WatchDog) is $[**]
standalone, $[**] for 25 users, including OSI interface. Annual MA is [**]%
after 1st year

ALL OF THE ABOVE ITEMS UNDER THIS THIRD PARTY SOFTWARE SECTION ARE NOT SUBJECT
TO ANY DISCOUNT.

Confidential                                                       Page 62 of 74

<PAGE>

Schedule 1.17 -- Territory

                           {Map of the United States]

Confidential                                                       Page 63 of 74

<PAGE>

                        SCHEDULE 4 - MINIMUM REQUIREMENTS

                    MINIMUM SALES REQUIREMENTS - SECTION 4(b)

SECTION 4(b)(i) - MINIMUM SALES -- NEW OUTSOURCING SERVICE CUSTOMERS

<TABLE>
<CAPTION>
                   MINIMUM ANNUAL            MINIMUM ANNUAL
REGION       NEW OUTSOURCING AGREEMENTS   LICENSE FEE AMOUNTS *
------       --------------------------   ---------------------
<S>          <C>                          <C>
East                     10                       $[**]
Midwest                  10                       $[**]
West                     10                       $[**]
</TABLE>

* Includes the combined License Fees (exclusive of Higher Level License Fees)
paid to OSI for Outsourcing Service Agreements with new Customers and Ancillary
Product Fees for sales of Ancillary Products to such new Customers. Such
minimums are subject to the inflation and renewal adjustments provided in this
Schedule.

SECTION 4(b)(ii) - MINIMUM SALES - ANCILLARY PRODUCTS

Commencing with the twenty-fifth month following the Effective Date, the minimum
volume of License Fees (exclusive of Higher Level License Fees) payable to OSI
covered by Section 4(b)(ii) of the Agreement for each Annual Measuring Period
shall be $[**]. Such minimum is subject to the inflation and renewal adjustments
provided in this Schedule

            MINIMUM QUARTERLY FEE PAYMENT REQUIREMENTS - SECTION 8(b)

SECTION 8(b)(i) - SALES TO NEW CUSTOMERS

The minimum annual License Fees payable by BISYS to OSI pursuant to Section
8(b)(i) of the Agreement shall equal the minimum License Fee payments set forth
below for the period identified (aggregating all regions to be included for a
given period at the specified percentages of the regional requirement after
giving effect to the phase-in of the Midwest and West regions). Such minimum
annual fees are subject to the inflation and renewal adjustment provided in this
Schedule.

Confidential                                                       Page 64 of 74

<PAGE>

SEPTEMBER 2003 INITIAL PERIOD

<TABLE>
<CAPTION>
                   MINIMUM ANNUAL            MINIMUM ANNUAL
REGION       NEW OUTSOURCING AGREEMENTS   LICENSE FEE PAYMENTS
------       --------------------------   --------------------
<S>          <C>                          <C>
East                     n/a                      $[**]
Midwest                  n/a                      $[**]
West                     n/a                      $[**]
TOTAL                                             $[**]
</TABLE>

FIRST ANNUAL MEASURING PERIOD (OCTOBER 1, 2003 TO SEPTEMBER 30, 2004)

<TABLE>
<CAPTION>
                   MINIMUM ANNUAL            MINIMUM ANNUAL
REGION       NEW OUTSOURCING AGREEMENTS   LICENSE FEE PAYMENTS
------       --------------------------   --------------------
<S>          <C>                          <C>
East                     n/a                      $[**]
Midwest                  n/a                      $[**]
West                     n/a                      $[**]
TOTAL                                             $[**]
</TABLE>

SECOND ANNUAL MEASURING PERIODS (OCTOBER 1, 2004 TO SEPTEMBER 30, 2005)

<TABLE>
<CAPTION>
                            MINIMUM ANNUAL            MINIMUM ANNUAL
REGION                 NEW OUTSOURCING AGREEMENTS   LICENSE FEE PAYMENTS
<S>                    <C>                          <C>
East                              10                       $[**]
Midwest                            9                       $[**]
West                               9                       $[**]
Ancillary Cross Sale              n/a                      $[**]
TOTAL                                                      $[**]
</TABLE>

THIRD ANNUAL MEASURING PERIODS (OCTOBER 1, 2005 TO SEPTEMBER 30, 2006) AND
MEASURING PERIODS BEYOND THIS PERIOD PERIOD EXCEPT THAT FOR THE FIFTH ANNUAL
MEASURING PERIODS OF THE TERM AND THE RENEWAL TERM (IF ANY) ONLY THE MINIMUM
ANNUAL LICENSE FEE PAYMENTS SHALL BE 11/12 OF THE FOLLOWING MINIMUM ANNUAL
LICENSE FEE PAYMENTS:

<TABLE>
<CAPTION>
                                MINIMUM ANNUAL            MINIMUM ANNUAL
REGION                   NEW OUTSOURCING AGREEMENTS   LICENSE FEE PAYMENTS
------                   --------------------------   --------------------
<S>                      <C>                          <C>
East                               10                       $[**]
Midwest                            10                       $[**]
West                               10                       $[**]
Ancillary Cross Sale               n/a                      $[**]
TOTAL                                                       $[**]
</TABLE>

Confidential                                                       Page 65 of 74

<PAGE>

All payments shall be based on [**]% of the scheduled Minimum Annual License Fee
Payments for the East region, but the Midwest and West regions will be phased-in
to the Minimum Annual License Fee Payments obligation based on the following
schedule:

     a)  for the first six months following the Effective Date, BISYS will pay
         OSI based on [**]% of the scheduled Minimum Annual License Fee Payments
         for the Midwest and West regions;

     b)  for the next six months, BISYS will pay OSI based on [**]% of the
         scheduled Minimum Annual License Fee Payments for the Midwest and West
         regions;

     c)  for the next six months, BISYS will pay OSI based on [**]% of the
         scheduled Minimum Annual Fee Payments for the Midwest and West regions;
         and

     d)  thereafter, BISYS shall pay OSI based on [**]% of the scheduled Minimum
         Annual Fee Payments for all regions.

All such minimums (except those for September 2003) are subject to the inflation
and renewal adjustments provided in this Schedule.

SECTION 8(b)(ii) - SALES OF ANCILLARY PRODUCTS TO EXISTING CUSTOMERS

The minimum annual License Fees payable by BISYS to OSI pursuant to Section
8(b)(ii) of the Agreement with respect to sales of Ancillary Products to
existing customers are the Minimum Annual Ancillary Product License Fee Amount
for the sale of Ancillary Products set forth under the Section 4(b)(ii) heading
of this Schedule 4, above. All such minimums are subject to the inflation and
renewal adjustments provided in this Schedule.

SECTION 8(b) -- PROFORMA BISYS MINIMUM PAYMENT SCHEDULE:

Attached hereto as Attachment 1, is a proforma minimum quarterly fee payment
schedule demonstrating the payments that would be made to OSI by BISYS pursuant
to Sections 8(b)(i) and 8(b)(ii) and this Schedule 4 given the assumptions set
forth in the Footnotes to such Attachment 1.

                       ADJUSTMENTS OF MINIMUM REQUIREMENTS

The minimum fee and payment amounts used for the Minimum Sales Requirements of
Section 4(b) and the Minimum Fee Payment requirements of Section 8(b) shall be
subject to the following adjustments:

Annual Inflation Adjustment Provision- The annual minimums specified in this
Schedule will increase each year of the Agreement at the annual rate of
inflation for the prior year measured by the Consumer Price Index for All Urban
Consumers- Other Goods and Services. No adjustment will be made in the first
year each minimum becomes effective.

Renewal - Minimum Sales Volumes.- The minimums that shall apply during each
Renewal Term shall be determined as follows:

         (i)  For the first year of any Renewal Term, such minimums (adjusted by
              region, if applicable) shall be the greater of: (A) the minimum in
              effect for each such region during the preceding fiscal year of
              the Agreement, adjusted under the annual rate of inflation
              provision to the current fiscal year, or (B) [**] percent [**]%)
              of the trailing three fiscal years actual number achieved by BISYS
              (segmented by Region, if applicable).

         (ii) For each subsequent year of the Renewal Term, the volumes by
              Region determined under clause (i) above, adjusted under the
              annual rate of inflation provision.

Confidential                                                       Page 66 of 74

<PAGE>

SCHEDULE 6 (g)- REFERRAL FORM

DATE:             ________________________

REFERRAL OPPORTUNITY:

         Institution Name: _______________________________________

         Contact Name:     _______________________________________

         Title:            _______________________________________

         Contact Phone #:  _______________________________________

         Contact email:    _______________________________________

         City/State:       _______________________________________

         Asset Size:       _______________________________________

REFERRAL FROM:

         Name:             _______________________________________

         Position/Title:   ____________________________

         Telephone:        ____________________________

         Email:            ____________________________

QUALIFYING INFORMATION:

Why interest in Total CS?_________________________

Who they currently use for core if applicable?: __________________

When the existing core contract expires?__________________________

Motive for replacement?:__________________________________________

Where the institution is in their decision making process?______________________

Confidential                                                       Page 67 of 74

<PAGE>

SCHEDULE 9 (b)- SUPPORT TERMS AND CONDITIONS

1. Coverage Subject to the terms hereof, OSI shall provide Support to BISYS for
the Licensed Software (including Interfaces), Ancillary Products and Third Party
Software which are licensed software as defined in the Agreement hereunder
("Support").

2. Support Services

2.1      Support Services consist of:

         (a)      Error Correction and Telephone Support provided to the
designated BISYS Technical Support Contact concerning the Installation and use
of the then current release of the Licensed Software and the OSI Interface
Software owned and developed by OSI and the Previous Sequential Release.

         (b)      Enhancements, as defined herein, of the Licensed Software that
OSI, in its discretion makes generally available to its customers of the
Licensed Software. As used herein, "Enhancements" mean new releases of the
Licensed Software which support new regulations and provide product enhancements
and Fixes. Enhancements will be provided as part of Product Updates, consisting
of one copy of published revisions to the printed Documentation and one copy of
revisions to the machine readable Licensed Software. Support does not include
the physical installation of Product Updates. All such installations may be
performed by OSI upon BISYS' written request and shall be billable to BISYS at
OSI's then current applicable rate.

         (c)      As part of the Support provided hereunder, OSI agrees to use
commercially reasonable efforts to provide Product Updates on a timely basis in
order to enable BISYS' Customers to comply with federal banking laws and
regulations pertaining to the subject matter of the Licensed Software.

2.2      As provided in the Exclusions Section of this document, a condition
precedent to continued Support, Product Updates and any warranty relating to the
Licensed Software, BISYS agrees to promptly install and implement such Product
Updates and Enhancements to the Licensed Software.

3. Term and Termination

3.1      Support shall be provided for the duration of the Agreement, unless
terminated by either party as provided herein.

3.2      OSI may suspend Support if BISYS fails to make payments pursuant to the
Agreement.

3.3      OSI may suspend Support if BISYS fails in a reasonably prompt manner to
implement such modifications, updates and enhancements to the Licensed Software
as OSI shall require from time to time in its sole discretion.

Confidential                                                       Page 68 of 74

<PAGE>

3.4      OSI may terminate in its sole discretion the Support related to a
specific software version, specified hardware configuration or network structure
of the Licensed Software upon a prior one (1) year written notice of Support
discontinuance.

4.       Remote Support Services

4.1      OSI intends to provide certain Support via a remote on-line connection
to BISYS' designated technical support center. BISYS hereby agrees to assist OSI
in the creation of such a remote on-line connection as part of the
implementation of the System and agrees to maintain and allow OSI access to its
designated technical support center and the Licensed Software through such
remote on-line connection.

4.2      In the event that the remote on-line connection is not available to OSI
necessitating that OSI's personnel have to be deployed to the BISYS designated
technical support center to perform Support services that would otherwise have
been provided via the remote on-line connection BISYS agrees, in addition to any
fees payable under the Agreement:

         (a)      to pay a per diem charge for all additional Support services
at OSI's then standard rates for such services, and

         (b)      to reimburse OSI for all reasonable travel and living expenses
incurred by or on behalf of OSI and its personnel in providing the additional
Support services to BISYS at BISYS' designated technical support center.

Any such charges for additional Support services and reimbursement for travel
and living expenses shall be billed by OSI to BISYS on a per occurrence basis
and shall be payable within thirty (30) days of the applicable invoice.

5.       Response, Problem Resolution Standards and Error Priority Levels

5.1      Commercially reasonable efforts shall be made to resolve problems
promptly consistent with the priority level reasonably assigned to the problem
by OSI from the listing below. Upon BISYS' notification to OSI of a problem, OSI
will investigate such problem to determine the nature and origin of such problem
and upon completion of such investigation outline to BISYS the procedures to be
followed in resolving to such problem.

         The priority levels are as follows:

         (a)      Priority A Errors - OSI shall promptly commence the following
                  procedures:

                  i)       assign OSI personnel to correct the Error;

                  ii)      notify OSI management that such Errors have been
                           reported and of steps being taken to correct such
                           Error(s);

                  iii)     provide BISYS with periodic reports on the status of
                           the corrections; and

                  iv)      initiate, within a commercially reasonable period of
                           time that the Error is reported to OSI, work to
                           promptly provide BISYS with a Work-around or Fix and
                           diligently

Confidential                                                       Page 69 of 74

<PAGE>

                           pursue a resolution of the Error. In the event OSI
                           addresses any Priority A Error by means of a
                           temporary Work-around, OSI shall exercise
                           commercially reasonable efforts to effect a final
                           resolution of the Error as soon as possible
                           thereafter.

         (b)      Priority B Errors - OSI shall exercise commercially reasonable
efforts to include the Fix for the Error in the next regular Product Update.

         (c)      Priority C Errors - OSI may include the Fix for the Error in
the next Product Update.

5.2      If OSI believes reasonably and in good faith that a problem reported by
BISYS may not be due to an Error in the Licensed Software but may be due to
another cause (as illustrated herein), OSI will so notify BISYS. Such other
cause may include but not be limited to the failure by BISYS to install OSI
recommended updates, the installation by BISYS of software, which has not been
certified and approved by OSI, or BISYS' use of the Licensed Software on
hardware or network components which have not been specified and approved by
OSI.

At that time, BISYS may

         (a)      instruct OSI to proceed with problem determination at BISYS'
sole expense as set forth below, or

         (b)      instruct OSI that BISYS does not wish the problem pursued at
BISYS' sole expense.

If BISYS requests that OSI proceed with problem determination at its possible
expense and OSI determines that the error was not due to an Error in the
Licensed Software, BISYS shall pay OSI, at OSI's then current and standard
consulting rates, subject to BISYS' standard OS1 discount, for all work
performed in connection with such determination, plus reasonable related
expenses incurred therewith. .

BISYS shall not be liable for:

         (a)      repair to the extent problems are due to Errors in the
Licensed Software

         (b)      work performed under this paragraph in excess of its
instructions, or

         (c)      work performed after BISYS has notified OSI that it no longer
wishes work on the problem determination to be continued at its sole expense
(such notice shall be deemed given when actually received in writing by OSI).

If BISYS instructs OSI that it does not wish the problem pursued at its sole
expense or if such determination requires effort in excess of BISYS'
instructions, OSI may, at its sole discretion, elect not to investigate the
error.

In the event that OSI fails to resolve a problem or correct an Error within a
commercially reasonable time frame, the problem shall be escalated to OSI Senior
Management and additional technical support resources of a level appropriate for
resolution shall be assigned to the problem on a priority basis. In the

Confidential                                                       Page 70 of 74

<PAGE>

case of a Priority A Error, four (4) hours from the time the Error is reported
shall be deemed a commercially reasonable time frame to escalate OSI's efforts.

In the event that OSI is unable to resolve or correct a Priority A Error within
a commercially reasonable period of time, BISYS shall be entitled to terminate
the Agreement under the procedures provided therein.

6.       Confidentiality All information provided by either party to the other
pursuant to these terms and conditions shall be subject to the confidentiality
obligations set forth in Section 16 of the Agreement.

7.       Exclusions

7.1      A condition precedent to OSI's obligation to perform Support shall be
that the Licensed Software problems shall not be the result of

         (a)      BISYS' negligence, abuse or misapplication of the Licensed
Software,

         (b)      Use of the Licensed Software other than as specified in the
Documentation,

         (c)      Use of the Licensed Software on hardware other than the
Designated Hardware

         (d)      BISYS' failure to promptly implement such modifications,
updates and enhancements to the Licensed Software (in the form of Product
Updates) and to Third Party Software licensed from a Third Party as OSI shall
require from time to time in its sole discretion, or

         (e)      Other causes beyond the reasonable control of OSI.

7.2      OSI shall have no obligation to support:

         (a)      Altered, damaged or modified Licensed Software (unless such
modifications are consented to in writing by OSI or otherwise authorized,
permitted or provided for under this Agreement) or any portion of the Licensed
Software incorporated with or into other software;

         (b)      Licensed Software that is not the then current release or
immediately Previous Sequential Release.

7.3      Upon BISYS' request. OSI shall provide Support for the Licensed
Software which has malfunctioned as a result of any of the causes described in
this Section 7 at its then current and standard rates for material and labor.

7.4      Support does not include physical installation of Product Updates.

8.       Limitation of Liability

EXCEPT FOR A BREACH OF ITS CONFIDENTIALITY OBLIGATIONS UNDER SECTION 16 OR ANY
LIABILITY OSI MAY HAVE FOR PERSONAL INJURY OR DAMAGE OR DESTRUCTION OF REAL OR
TANGIBLE PERSONAL PROPERTY OR LIABILITY RESULTING FROM OSI'S GROSS NEGLIGENCE OR
WILLFUL MISCONDUCT, OSI'S LIABILITY FOR DAMAGES FROM ANY CAUSE OF ACTION
WHATSOEVER RELATING TO OSI'S AGREEMENT TO PROVIDE SUPPORT SHALL BE LIMITED TO
THE AMOUNT PAID BY

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<PAGE>

BISYS TO OSI FOR SUPPORT DURING THE PRECEDING TWELVE (12) MONTH PERIOD PURSUANT
TO THE AGREEMENT. OSI SHALL NOT BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL
OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR
REVENUES, EVEN IF BISYS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
THIS ARTICLE SHALL SURVIVE TERMINATION OF THIS AGREEMENT.

OSI AGREES THAT IT WILL NOT WRONGFULLY DISABLE THE OSI PROPRIETARY SOFTWARE OR
ANY OTHER HARDWARE OR OSI PROPRIETARY SOFTWARE ON BISYS' COMPUTER SYSTEM FOR ANY
REASON. ANY LIMITATION OF LIABILITIES SET OUT IN THIS SECTION AND WITH RESPECT
TO OSI WILL BE NULL AND VOID IF OSI BREACHES ITS AGREEMENT SET FORTH IN THE
IMMEDIATELY PRECEDING SENTENCE.

9.       Definitions Unless defined otherwise herein, capitalized terms used in
these Support Terms and Conditions shall have the same meaning as set forth in
the Agreement.

"Error" means the non-conformance or error in Licensed Software, or the
applicable portion thereof, which causes the Licensed Software to fail to
consistently, accurately and reliably operate and perform the features and
functions described in and in accordance with the Documentation.

"Error Correction" means the use of commercially reasonable efforts to correct
Errors in accordance with the terms and conditions contained in this Attachment.

"Fix" means the repair or replacement of object or executable code versions of
Licensed Software to remedy an Error.

"Previous Sequential Release" means the release of Licensed Software which has
been replaced by a subsequent release of the same Licensed Software.
Notwithstanding anything to the contrary contained herein, a Previous Sequential
Release will be supported by OSI for a period of not more than six (6) months
after release of the subsequent release.

"Priority A Error" means an Error which renders Licensed Software inoperative,
causes inaccuracies in the data processed by the Licensed Software, degrades the
functions or feature of the Licensed Software or materially restricts BISYS' use
of the Licensed Software.

"Priority B Error" means an Error which degrades the functions or features of
the Licensed Software or restricts BISYS' use of the Licensed Software.

"Priority C Error" means an Error which is cosmetic or trivial in nature and
which causes only a minor impact on BISYS' use of Licensed Software

"Support" means OSI support services as described in Section 2.

"Telephone Support" means technical support telephone assistance provided by OSI
to the Designated Technical Support Contact concerning problem resolution and
the use of the then current release of Licensed Software and the Previous
Sequential Release. Calls will be accepted during OSl's normal business hours,
except that in the event of an emergency, OSI will accept all calls made to the
emergency off-hours telephone numbers which OSI shall supply to BISYS and always
promptly update as they change, 24 hours per day, 7 days per week, 365 days per
year.

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<PAGE>

"Work-around" means a modification of the Licensed Software and/or a change in
the procedures followed or data supplied by BISYS to avoid an Error without
substantially impairing BISYS' use of Licensed Software.

THESE TERMS AND CONDITIONS CONSTITUTE A SERVICE CONTRACT AND NOT A PRODUCT
WARRANTY. THE LICENSED SOFTWARE AND ALL MATERIALS RELATED TO THE LICENSED
SOFTWARE ARE SUBJECT EXCLUSIVELY TO THE WARRANTIES SET FORTH IN THE AGREEMENT.
THIS ATTACHMENT IS AN ADDITIONAL PART OF THE AGREEMENT AND DOES NOT CHANGE OR
SUPERSEDE ANY TERM OF THE AGREEMENT EXCEPT TO THE EXTENT UNAMBIGUOUSLY CONTRARY
THERETO.

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<PAGE>

SCHEDULE 12 -- Product Development Resources

Product Development Resources of three (3) dedicated developers is $[**] for the
first year of this Agreement. BISYS shall pay this fee to OSI on a quarterly
basis in advance. After the first year, Product Development Resources will
automatically renew for another 12-month period unless either OSI or BISYS
provides the other with 180 days prior written notice of its intent not to
continue Product Development Resources. The annual fee of $[**] will be
increased each year at the annual rate of inflation for the prior year measured
by the Consumer Price Index for All Urban Consumers- Other Goods and Services.

BISYS will reimburse Open Solutions for out-of-pocket travel expenses required
of these resources, including travel and lodging while at a BISYS facility, at
cost.

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