Document:

<PAGE>

EXHIBIT 10.16

                                 FIRST AMENDMENT
                           TO ASSET PURCHASE AGREEMENT

         AMENDMENT TO ASSET PURCHASE AGREEMENT, dated as of October 4, 2001
(this "AGREEMENT"), by and between SignOnline, Inc., a Delaware corporation
("SELLER"), and Wave Systems Corp., a Delaware corporation ("BUYER").

         WHEREAS; Buyer and Seller have entered into an Asset Purchase Agreement
dated as of October 4, 2001 (the "Agreement"); and

         WHEREAS; Buyer and Seller desire to amend the terms of the Agreement in
accordance with the provisions set forth below.

         NOW THEREFORE; for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, Buyer and Seller hereby agree as
follows:

         1. All capitalized terms not otherwise defined herein shall have the
respective meanings set forth in the Agreement.

         2. SECTION 1 of the Agreement is hereby amended to add the following
subparagraph after subparagraph (d) thereof:

         (e) All right and interest in and to the contracts and or licenses
         listed on Schedule E hereto (collectively, the "Contracts") (to be
         assumed and assigned to Buyer pursuant to the provisions of Section 365
         of the Bankruptcy Code); provided, however, that no Contract shall be
         included as an Asset if a waiver of all cure amounts is not obtained
         from the creditor thereto on or before August 23, 2001 unless Buyer
         agrees to pay such cure amounts to the applicable creditor separate and
         apart from the Purchase Price to be paid hereunder.

         3. SECTION 2 of the Agreement is hereby amended to include the
following language at the end of the only sentence provided therein: ", other
than obligations which arise after the Closing under the Contracts."

         4. SECTION 3(A) of the agreement is hereby amended to delete the figure
"$250,000.00" and replace it with the figure "$290,000.00".

         5. SECTION 3(B)(II) of the Agreement is hereby amended to delete the
figure "$250,000" and replace it with the figure "$290,000.00".

         6. SECTION 8(C) of the Agreement is hereby amended to insert
"(including without limitation Versions 1 and 1.1 of the SmartSAFE and
SmartSignature software listed on SCHEDULE A hereto)", between the phrase "to
the Assets" and the phrase ", free and clear".

         7. SECTION 8 of the Agreement is hereby amended to add the following
subparagraph after subparagraph (r):

<PAGE>

                  (s) Except as set forth on SCHEDULE 8(S) hereto, the Contracts
         are all valid and binding obligations of the third parties thereto,
         enforceable against such third parties in accordance with their
         respective terms. Except as set forth on SCHEDULE 8(S), Seller has
         fulfilled in all material respects all obligations required pursuant to
         the Contracts to have been performed by Seller prior to the Closing
         Date. Except as disclosed on SCHEDULE 8(S) hereto, no consent of any
         person is required as a condition of transferring to Buyer the rights
         of Seller under any of the Contracts. Except as set forth on SCHEDULE
         8(S), none of the rights of Seller under any of such Contracts will be
         subject to termination or modification as a result of the consummation
         of the transactions contemplated by this Agreement. Seller has provided
         to Buyer true and complete copies of all the Contracts listed on
         SCHEDULE 8(S) and all amendments and modifications thereof and all
         waivers and similar documents relating thereto.

         8. The provisions of SECTION 10 of the Agreement shall be deleted in
their entirety and replaced with the following:

         As a condition to the Buyer's and Seller's obligations, Seller must
         move for, and the Bankruptcy Court must issue, an order approving the
         sale of the Assets pursuant to this Agreement (the "SALE ORDER"). The
         Sale Order submitted upon such motion by the Seller shall be final and
         not appealable and in form and substance reasonably satisfactory to the
         Buyer, shall be approved by Buyer prior to submission of such motion
         and shall order, provide and authorize that, among other things: (i)
         the sale, transfer, and assignment of the Assets by the Seller to the
         Buyer (a) will be a legal, valid and effective transfer and assignment
         of the Assets, (b) will vest the Buyer with good title in and to the
         Assets free and clear of all liens, charges, claims, encumbrances and
         interests of any kind, nature or description, and (c) will constitute
         reasonably equivalent value and fair consideration under the relevant
         provisions of the Code and applicable state law; (ii) the transactions
         contemplated by this Agreement are undertaken by the Buyer in good
         faith as the term is used in Section 363(m) of the Bankruptcy Code and
         the protections of Section 363(m) shall apply to such transactions;
         (iii) the Seller is fully authorized and directed to assign the
         Contracts to be conveyed hereunder; (iv) the obligations to all
         non-debtor parties to all Contracts to be conveyed to the Buyer
         hereunder shall be fully enforceable by the Buyer subsequent to the
         assignment thereof, and (v) the Buyer shall be deemed not to be a
         successor of the Seller. Subject to receipt of higher and better offers
         as prescribed in the order entered by the Bankruptcy Court on August
         13, (the "PROCEDURES ORDER"), the Seller shall use reasonable efforts
         to obtain entry of the Sale Order.

         9. SECTION 19 of the Agreement shall be amended to delete the phrase
"except for the terms of that certain Bid Proposal entered into between the
Buyer and the Seller on August __, 2001."

         10. The Agreement shall be amended to include the following "SECTION
25" after SECTION 24 thereof:

         SECTION 25. TERMINATION. This Agreement may be terminated at any time
prior to the Closing:

         (a) by either the Buyer or the Seller, if the Closing shall not have
         occurred by October 1, 2001 (including, without limitation, because any
         condition precedent set forth in Section 11 of the hereof has not been
         fulfilled as of October 1, 2001); PROVIDED, HOWEVER, that the right to
         terminate under this Section 25(a) shall not be available to the Buyer
         or the Seller if its failure to fulfill any obligation under this
         Agreement shall have been the cause of, or shall have resulted in, the
         failure of the Closing to occur on or prior to such date;

<PAGE>

         (b) by either the Buyer or the Seller, if the Bankruptcy Court does not
         issue the Sale Order or an order contemplated by Section 10 hereof on
         or before September 20, 2001;

         (c) by either the Buyer or the Seller, if the Sale Order does not
         become a Final Order by October 1, 2001;

         (d) by the Buyer, if the Seller refuses or otherwise fails to perform
         its obligation to consummate the Transactions if, after the conclusion
         of the auction conducted by the Bankruptcy Court pursuant to the
         Procedures Order, the Buyer is selected as the highest and best bidder;

         (e) by Seller, if the Buyer refuses or otherwise fails to perform its
         obligation to consummate the Acquisition if, after the conclusion of
         the auction conducted by the Bankruptcy Court, the Buyer is selected as
         the highest and best bidder;

         (f) by either the Buyer or the Seller, if the Bankruptcy Court or any
         other court or governmental authority shall have issued any order,
         decree or ruling or taken any other action restraining, enjoining or
         otherwise prohibiting the Transactions and such order, decree, ruling
         or other action shall have become final and nonappealable; or

         (g) by the mutual written consent of the Buyer and the Seller.

         11. The Schedules to the Agreement shall be modified to include
SCHEDULE E and SCHEDULE 8(S) attached hereto.

         IN WITNESS WHEREOF, the parties hereto have executed this Amendment to
the Agreement as of the date first above written.

         WAVE SYSTEMS CORP.

         By:
              ------------------------------
         Name:
         Title:

         SIGNONLINE, INC.

         By:
              ------------------------------
         Name:
         Title:

             [SIGNATURE PAGE - AMENDMENT TO ASSET PURCHASE AGREEMENT

<PAGE>

                                   SCHEDULE E

                                    CONTRACTS

Conveyance and License Agreement dated as of September 29, 2000, by and between
Maximus, Inc. and SignOnline, Inc. ("SignOnline") (as amended pursuant to
Addendum 1 thereto dated December 12, 2000)

Conveyance and License Agreement, dated as of March 9, 2000, by and between
SignOnline and 3-G International, Inc.;

Memoranda of Understanding, dated as of July 24, 2000, September 15, 2000 and
September 25, 2000, by and between SignOnline and 3GI Maximus.

Consulting Services Agreement, dated July 25, 2000, by and between Archon
Technologies, Inc. and SignOnline, Inc. and that certain Statement of Work dated
July 16, 2001 entered into between Archon and SignOnline in connection
therewith.

<PAGE>

                                  SCHEDULE 8(S)

Each of the Contracts require a consent to be transferred.

By letter of August 20, 2001 provided to Seller by Buyer, Archon Technologies,
Inc. ("Archon) has consented to the transfer of its Contracts. By letter of
August 23, 2001 provided to Seller by Buyer, Maximus has consented to the
transfer of its Contracts.

The total monetary amount owed to Archon as of July 12, 2001 under the Contracts
was $150,538.17

The total monetary amount owed to Maximus as of July 12,2001 under the Contracts
was $169,306.76<Page>

                                                                  Exhibit 10.20

                            FIRST AMENDMENT TO LEASE

     THIS FIRST AMENDMENT TO LEASE (this "Amendment") is made this 6th day of
June 2001, between PWC ASSOCIATES, a Pennsylvania limited partnership
("Landlord"), whose address is c/o The Rubenstein Company, L.P., 4100 One
Commerce Square, 2005 Market Street, Philadelphia, PA 19103; and DELPHI
INFORMATION SYSTEMS, a Delaware corporation ("Tenant"), with offices at Suite
100, Two Parkway Center, Pittsburgh, PA 15220.

                                   BACKGROUND

     A.   Landlord and Tenant entered into a Lease Agreement dated May 12, 1997
(the "Lease"), whereby Tenant is presently in possession of premises containing
5,077 rentable square feet of space designated as Suite 100 located on the first
(1st) floor (hereinafter referred to as the "Original Premises") in the building
currently known as Building Two (the "Original Building") of the Parkway Center
(the "Center"), Pittsburgh, PA 15220. The term of the Lease (the "Lease Term")
is currently scheduled to expire on June 30, 2001 (the "Original Premises Lease
Expiration Date").

     B.   Tenant desires to vacate and surrender the Original Premises, relocate
to and lease the New Premises (as defined below) in the New Building (as defined
below), and extend the Lease Term, and Landlord is willing to lease the New
Premises in the New Building to Tenant, extend the Lease Term and otherwise
accommodate Tenant, all on and subject to the terms set forth herein.

     C.   Landlord and Tenant desire to modify and amend the Lease only in the
respects and on the conditions hereinafter stated.

                                     TERMS

     NOW, THEREFORE, Landlord and Tenant, in consideration of the mutual
promises contained herein and for other good and valuable consideration, the
receipt and adequacy of which are hereby acknowledged, and intending to be
legally bound, agree as follows:

     1.   DEFINITIONS. For purposes of this Amendment, capitalized terms shall
have the meanings ascribed to them in the Lease unless otherwise defined herein.

     2.   RELOCATION; EXTENSION.

          2.1  RELOCATION. Tenant hereby agrees to relocate to new premises
designated as Suite 655 consisting of 3,014 rentable square feet of space
located on the sixth (6th) floor (hereinafter referred to as the "New Premises")
of Building Seven (the "New Building") of the Center (which New Premises is
identified on Exhibit "A" attached hereto and made a part hereof) for the New
Premises Term (as defined below). Subject to the provisions of Paragraph 2.2
below, from and after the New Premises Commencement Date (as defined below), the
New Premises shall constitute the "Demised Premises" (as defined in the Lease)
for all purposes under the Lease and all terms and

<Page>

conditions set forth in the Lease shall apply to the New Premises, except as
otherwise expressly provided herein.

          2.2  EXTENSION. The Lease Term is hereby extended for an additional
period of forty-three (43) months from the Original Premises Lease Expiration
Date as set forth below. The Lease Term for the New Premises (the "New Premises
Term") shall commence (the "New Premises Commencement Date") on the later of
(i) July 1, 2001, or (ii) upon the surrender and vacation of the New Premises by
MANAGEDCOMP, Inc. (the "Other Tenant") and the effective termination of the
existing lease (the "Existing Lease") between Landlord and the Other Tenant with
respect thereto. Unless extended or sooner terminated as herein provided, the
Lease Term for the New Premises shall continue until, through and including, and
shall expire at 11:59 P.M. local time on January 31, 2005 (the "New Premises
Lease Expiration Date"). Tenant shall have no right to extend or renew the Lease
Term beyond the New Premises Lease Expiration Date.

     3.   SURRENDER.

          3.1  SURRENDER DATE. Tenant hereby agrees to surrender and vacate the
Original Premises in the condition called for in the Lease on or before the New
Premises Commencement Date (hereinafter referred to as the "Surrender Date"),
TIME HEREBY BEING MADE OF THE ESSENCE, and to pay the Minimum Rent and
Additional Rent due with respect to the Original Premises pursuant to the Lease
(and to otherwise comply with the Lease with respect to the Original Premises)
until the Surrender Date. If Tenant shall fail to vacate and deliver the
Original Premises to Landlord as required by the Lease, and in accordance with
the provisions of this paragraph, on or before the Surrender Date, Tenant shall
be considered a holdover tenant, thereby entitling Landlord to exercise all
rights and remedies available to Landlord under the Lease or now or hereafter
existing at law or in equity.

          3.2  SURRENDER OF ORIGINAL PREMISES. Effective as of the Surrender
Date, Tenant shall surrender to Landlord all of Tenant's right, title and
interest in and to the Original Premises, and thereafter all of Tenant's estate
under the Lease in and to the Original Premises shall be terminated and
extinguished as of the Surrender Date. Tenant shall surrender the Original
Premises in the condition Tenant is required to surrender the "Demised Premises"
under the Lease as of the expiration of the term thereof. Landlord, upon Tenant
complying with its undertakings set forth herein, shall accept, as of the
Surrender Date, such surrender of all of Tenant's right, title and interest
under the Lease in and to the Original Premises, provided, that the Lease shall
remain in full force and effect in accordance with its terms (as amended hereby)
with respect to all of the New Premises. Upon compliance by Tenant, the parties
declare and agree that as of the Surrender Date the Original Premises shall be
released and discharged from the operation of the Lease, provided that Minimum
Rent and Additional Rent are paid or will be paid as required by the Lease (as
amended hereby), subject to the provisions of the Lease which expressly survive
termination thereof.

          3.3  FREE AND CLEAR. Tenant hereby agrees that on or before the
Surrender Date, the Original Premises shall be surrendered to Landlord, broom
clean, vacant, unleased and free and clear of all rights of occupancy by others.
Tenant hereby represents and covenants to Landlord that

                                       2
<Page>

nothing has been done or suffered, and nothing will be done or suffered, whereby
the estate of Tenant in and to the Original Premises, or any portion thereof,
has been or will be encumbered in any way whatsoever, and that no one, other
than Tenant, has acquired or will acquire by, through or under Tenant, any
right, title or interest in or to the Original Premises or any portion thereof.

     4.   MINIMUM RENT. The existing Lease terms (prior to giving effect to the
terms of this Amendment) will remain in effect as to the amount of rent payable
with respect to the Original Premises up to and including the Surrender Date.
The Lease is hereby amended to reflect that from and after the New Premises
Commencement Date until, through and including the New Premises Lease Expiration
Date, Tenant shall pay to Landlord Minimum Rent for the New Premises as follows:

<Table>
<Caption>
--------------------------------------------------------------------------------------------------------------------
     FROM             TO          MINIMUM ANNUAL RENT/RSF        MONTHLY MINIMUM RENT        ANNUAL MINIMUM RENT
--------------------------------------------------------------------------------------------------------------------
   <S>             <C>                    <C>                         <C>                        <C>
   07/01/01        01/31/05               $19.25                      $4,834.96                  $58,019.52
--------------------------------------------------------------------------------------------------------------------
</Table>

All rent shall be payable in advance, and without prior notice or demand, to PWC
Associates, c/o The Rubenstein Company, L.P., 4100 One Commerce Square, 2005
Market Street, Philadelphia, PA 19103-7041, or such other place, or to such
other persons as Landlord may from time to time direct.

     5.   BASE AMOUNT; TENANT'S PROPORTIONATE SHARE.

          5.1  BASE AMOUNT FOR REAL ESTATE TAXES AND INSURANCE COSTS. From and
after the New Premises Commencement Date, the Base Amount for Real Estate Taxes
and Insurance Costs with respect to the New Premises shall be the total of Real
Estate Taxes and Insurance Costs allocable and attributable to calendar year
2001 for the New Building, as exemplified on Exhibit "C" attached hereto with
respect to the most recent year for which such information has been determined.
The Base Amount for Real Estate Taxes and Insurance Costs is the amount of Taxes
and Insurance Costs upon which the Minimum Rent is based.

          5.2. BASE AMOUNT FOR OPERATING EXPENSES. From and after the New
Premises Commencement Date, the Base Amount for Operating Expenses with respect
to the New Premises shall be the total of Operating Expenses allocable and
attributable to calendar year 2001 for the New Building, as exemplified on
Exhibit "C" attached hereto with respect to the most recent year for which such
information has been determined. The Base Amount for Operating Expenses is the
amount of Operating Expenses upon which the Minimum Rent is based. The Base
Amount for Operating Expenses shall be calculated and recalculated as set forth
in Section 4.6 of the Lease (as amended hereby).

          5.3  TENANT'S PROPORTIONATE SHARE. The Lease is hereby amended to
reflect that from and after the New Premises Commencement Date, Tenant's
Proportionate Share shall be One and five hundred fifty-one ten thousandths
percent (1.0551%).

                                       3
<Page>

     6.   SECURITY DEPOSIT. From and after the Surrender Date, and subject to
Tenant's full compliance with its obligations (as set forth herein and under the
Lease) with respect to the Original Premises, Tenant's existing Security Deposit
with respect to the Original Premises shall remain the property of Landlord as
additional security for the full and prompt performance by Tenant of the terms
and covenants of the Lease (as amended hereby) with respect to the New Premises.
The Security Deposit shall not constitute rent for any month (unless so applied
by Landlord on account of Tenant's default). Tenant shall, upon demand, restore
any portion of the Security Deposit which may be applied by Landlord to the cure
of any default by Tenant under the Lease. To the extent that Landlord has not
applied the Security Deposit on account of a default, the Security Deposit shall
be returned (without interest) to Tenant promptly after the expiration of the
Lease with respect to the New Premises. Until returned to Tenant after the
expiration of the New Premises Term and the full performance of Tenant under the
Lease (as amended hereby), the Security Deposit shall remain the property of
Landlord.

     7.   RENEWAL OPTION. Tenant's Renewal Option pursuant to Section 48 of the
Lease is hereby deleted in its entirety and shall be of no further force or
effect. Tenant shall have no right to extend or renew the term of the Lease with
respect to the Demised Premises or the New Premises beyond the expiration of the
respective Lease Term therefor.

     8.   IMPROVEMENTS. Tenant agrees to accept the New Premises in its current
"AS-IS", "WHERE-IS" condition, without any obligation on the part of Landlord to
perform any alterations, improvements, redecorating or other work therein;
provided, however, that Landlord shall furnish to Tenant an allowance, to be
applied against Tenant's moving costs and cabling requirements in connection
with Tenant's relocation from the Original Premises to the New Premises, in the
maximum amount of Three and 98/100 Dollars ($3.98) per rentable square foot of
the New Premises (i.e., a maximum allowance of $12,000.00) (the "Construction
Allowance"). Any portion of the Construction Allowance not fully expended within
ninety (90) days after the New Premises Commencement Date shall be withdrawn,
and in that case Landlord no longer shall be obligated for any portion thereof
not then fully expended; PROVIDED, HOWEVER, that Tenant may apply any unused
portion of the Construction Allowance, up to a maximum amount of Six Thousand
and No/100 Dollars ($6,000.00), toward Minimum Rent for the New Premises, so
long as any such unused portion of the Construction Allowance is fully expended
no later than ninety (90) days after the New Premises Commencement Date, which
time is of the essence.

     9.   ORIGINAL PREMISES; HOLDOVER. In respect of the Original Premises:
(i) the existing terms and conditions of the Lease shall remain in full force
and effect with respect to the Original Premises until, through and including
the Surrender Date; (ii) all Minimum Rent and other charges for and with respect
to the Original Premises, all as set forth in the Lease and as in effect as of
the date hereof (together, the "Original Premises Lease Charges"), shall
continue to be applicable during the period ending on the Surrender Date and
shall be paid for by Tenant as currently provided in the Lease (prior to this
Amendment); (iii) on or before the Surrender Date, Tenant shall remove all of
Tenant's personal property from the Original Premises and otherwise vacate and
deliver the Original Premises to Landlord, all as required by the Lease (prior
to this Amendment); and (iv) on the New

                                       4
<Page>

Premises Commencement Date, the terms and conditions of the Lease with respect
to the Original Premises only shall thereupon expire and terminate as set forth
therein (subject to the provisions of the Lease which expressly survive
termination thereof), and such terms and conditions of the Lease (as modified by
this Amendment) shall thereupon apply only to the New Premises as the "Demised
Premises" under the Lease. If Tenant shall fail to vacate and deliver the
Original Premises to Landlord as required by the Lease, and in accordance with
the provisions of this Paragraph, on or before the New Premises Commencement
Date, Tenant shall be considered a holdover tenant, thereby entitling Landlord
to exercise all rights and remedies available to Landlord under the Lease or now
or hereafter existing at law or in equity.

     10.  NOTICES. The provisions of Paragraph 36 of the Lease are superseded
hereby. From and after the New Premises Commencement Date, all notices and other
communications under the Lease, as amended hereby, to be effective, must be in
writing (whether or not a writing is expressly required hereby), and must be
either (i) hand delivered, or (ii) sent by a recognized national overnight
courier service, fees prepaid, or (iii) sent by United States registered or
certified mail, return receipt requested, postage prepaid, or (iv) sent by
facsimile transmission (with a confirmation copy to follow by any of the methods
of delivery set forth above); in all of the foregoing cases to the following
respective addresses:

          10.1 IF TO LANDLORD:

               PWC Associates
               c/o The Rubenstein Company, L.P.
               4100 One Commerce Square
               2005 Market Street
               Philadelphia, Pennsylvania 19103
               Attention: David B. Rubenstein
                          R. Bruce Balderson, Jr., Esquire
               FAX: (215) 563-4110

          10.2 IF TO TENANT:

               Delphi Information Systems
               EBIX.COM
               1900 E. Golf Road, Suite 1200
               Schaumburg, IL 60172
               Attention: Darren Joseph
               FAX: (847) 619-4773

                                       5
<Page>

               WITH A COPY TO:

               Delphi Information Systems
               EBIX.COM
               Seven Parkway Center, Suite 655
               Pittsburgh, Pennsylvania 15220
               Attention: Sandy Hampel
               FAX: (412) 875-1761

Notices will be deemed to have been given (a) when so delivered (by hand
delivery, courier service, overnight delivery service or facsimile transmission
as aforesaid), or (b) three days after being so mailed (by registered or
certified mail as aforesaid). Either party may at any time, in the manner set
forth for giving notices to the other, designate a different address to which
notices to it shall be sent.

     11.  CONDITIONS. Landlord's obligations under this Lease are contingent on:
(i) the effective termination of the Existing Lease between Landlord and the
Other Tenant with respect to the New Premises; and (ii) the surrender and
vacation of the New Premises by the Other Tenant.

     12.  BROKER. Tenant represents and warrants that it has not dealt with any
broker or agent in the negotiation for or the obtaining of this Amendment, other
than The Rubenstein Brokerage Group, Inc. ("Broker"), and agrees to indemnify,
defend and hold Landlord harmless from any and all cost or liability for
compensation claimed by any such broker or agent, other than Broker, employed or
engaged by it or claiming to have been employed or engaged by it. Broker is
entitled to a leasing commission in connection with the making of this
Amendment, and Landlord shall pay such commission to Broker pursuant to a
separate agreement between Landlord and Broker.

     13.  NO DEFAULT. Tenant represents, warrants and covenants that to the best
of Tenant's knowledge, Landlord and Tenant are not in default of any of their
respective obligations under the Lease and no event has occurred which, with the
passage of time or the giving of notice, or both, would constitute a default by
either Landlord or Tenant thereunder.

     14.  EFFECT OF AMENDMENT. Except as modified by this Amendment, the Lease
and all the covenants, agreements, terms, provisions and conditions thereof
shall remain in full force and effect and are hereby ratified and affirmed. The
covenants, agreements, terms, provisions and conditions contained in this
Amendment shall bind and inure to the benefit of the parties hereto and their
respective successors and, except as otherwise provided in the Lease, their
respective assigns. In the event of any conflict between the terms contained in
this Amendment and the Lease, the terms herein contained shall supersede and
control the obligations and liabilities of the parties.

     15.  MISCELLANEOUS. This Amendment becomes effective only upon execution
and delivery hereof by Landlord and Tenant. The captions of the paragraphs and
subparagraphs in this Amendment are inserted and included solely for convenience
and shall not be considered or given any effect in construing the provisions
hereof.

                                       6
<Page>

     IN WITNESS WHEREOF, Landlord and Tenant have hereunto set their hands as of
the date and year first above written, and acknowledge the one to the other that
they possess the requisite authority to enter into this transaction and to
execute this Amendment.

                                   LANDLORD:

WITNESS:                           PWC ASSOCIATES

                                   By: The Rubenstein Company, L.P.
                                          Its General Partner

                                       By:
---------------------------                 Authorized Signatory

                                   TENANT:

WITNESS:                           DELPHI INFORMATION SYSTEMS

                                   By:
---------------------------           ----------------------------------
Name:                                 Name:
     ----------------------           Title:

                                       7

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