Document:

<PAGE>

                                                                  Exhibit 10.18

                                WAIVER AGREEMENT

          This Waiver Agreement (this "Waiver") is entered into as of this 14th
day of April, 1999, between DELPHI INFORMATION SYSTEMS, INC. ("Borrower") and
COAST BUSINESS CREDIT, a division of Southern Pacific Bank ("Lender"), with
respect to the following:

          A.   Borrower and Lender have previously entered into that certain
Loan and Security Agreement dated January 8, 1997, as amended (the "Loan
Agreement"). Capitalized terms are used in this Waiver as defined in the Loan
Agreement, unless otherwise defined herein.

          B.   Borrower has requested that Lender waive Borrower's violation of
certain covenants under the Loan Agreement. Lender is willing to waive such
violations on the terms and subject to the conditions set forth herein.

          NOW, THEREFORE, in consideration of the foregoing and the terms and
conditions hereof, the parties hereto agree as follows:

          1.   WAIVERS OF DEFAULTS.

          (a)  Borrower acknowledges that for the period of December 31, 1998 to
March 31, 1999, Borrower had accounts payable that were more than ninety (90)
days past due in violation of Section 7(2) of the Schedule to the Loan
Agreement. Borrower further acknowledges that the foregoing violation
constitutes an Event of Default under the Loan Agreement. Lender hereby waives
such Event of Default for the period through March 31, 1999.

          (b)  Borrower acknowledges that an Event of Default has occurred under
the Loan Agreement as a result of Borrower's failure to comply with Section 1(a)
of the Schedule to the Loan Agreement, which provides in part: "Loans ("the
Receivable Loans") [are] not to exceed the following amounts: ...(ii) from
January 1, 1999 through March 31, 1999, two (2) times Monthly Collections."
Lender hereby waives such Event of Default for the period through March 31,
1999.

          (c)  Borrower acknowledges that as a result of the occurrence of the
Event of Default described in paragraph (b) above, overadvances occurred on one
or more occasions in January, 1999 in that the loans exceeded the Credit Limit
in Section 1 of the Schedule to the Loan Agreement, thereby constituting
additional Events of Default under the Loan Agreement. Lender hereby waives the
Events of Default caused by such overadvances for the time periods in January.

          (d)  Borrower acknowledges that for the period December 29, 1998 to
January 12, 1999, Borrower failed to remit to Lender all proceeds arising out of
the disposition of any Collateral in violation of Section 4.5 of the Loan
Agreement. Borrower further acknowledges that such violation constitutes an
Event of Default under the Loan Agreement. Lender hereby waives such Event of
Default for the time period December 29, 1998 to January 12, 1999.

<PAGE>
          (e)  The foregoing waivers are on-time waivers only and shall apply
only to the matters and time periods specifically set forth in this Paragraph 1.
Without limiting the generality of the foregoing, these waivers shall not apply
to any future failure by Borrower to comply any provision of the Loan Agreement
at any time.

          (f)  Lender reserves all of its rights and remedies with respect to
all other obligations of Borrower under the Loan Agreement and all other Loan
Documents.

          2.   WAIVER FEE. In addition to all other fees and expenses, Borrower
shall pay to Lender a fee of Fifteen Thousand Dollars ($15,000) in consideration
of the waivers provided to Borrower herein, fully earned and payable on the date
hereof.

          3.   REAFFIRMATION. Except as provided herein, the Loan Agreement and
each other Loan Document remains in full force and effect in accordance with its
terms. If there is any conflict between the terms and provisions of this Waiver
and the terms and provisions of the Loan Agreement or any other Loan Document,
the terms and provisions of this Waiver shall govern.

          4.   COUNTERPARTS. This Waiver may be executed in one or more
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument.

          5.   GOVERNING LAW. This Waiver shall be governed by and construed
according to the laws of the State of California.

          6.   ATTORNEYS' FEES. Borrower shall pay, on demand, all attorneys'
fees and costs incurred in connection with the documentation and execution of
this Waiver. If any legal action or proceeding shall be commenced at any time by
any party to this Waiver in connection with its interpretation or enforcement,
the prevailing party or parties in such action or proceeding shall be entitled
to reimbursement of its reasonable attorneys' fees and costs in connection
therewith, in addition to all other relief to which the prevailing party or
parties may be entitled.

                                       2
<PAGE>

          IN WITNESS WHEREOF, the parties hereto have duly executed this Waiver
as of the date first above written.

                                   DELPHI INFORMATION SYSTEMS, INC.

                                   By: /s/ Edward J. O'Connell
                                      ------------------------------------------

                                   Title: SR VP FINANCE & CFO
                                         ---------------------------------------

                                   COAST BUSINESS CREDIT,
                                   a division of Southern Pacific Bank

                                   By: /s/ Karen Sperry
                                      ------------------------------------------

                                   Title: VP
                                         ---------------------------------------

                                       3
<PAGE>

                    AMENDMENT TO LOAN AND SECURITY AGREEMENT

          This Amendment to Loan and Security Agreement ("AMENDMENT") is entered
into as of this 16th day of September, 1999, between Delphi Information Systems,
Inc. ("BORROWER") and Coast Business Credit-Registered Trademark-, a division of
Southern Pacific Bank ("COAST") in reference to that certain Loan and Security
Agreement between Borrower and Coast dated January 8, 1997, as amended ("LOAN
AGREEMENT"). All capitalized terms not defined herein shall have the meaning
given in the Loan Agreement.

          The parties desire that the Loan Agreement be modified as follows:

          1.   FORBEARANCE PERIOD. The current outstanding balance of the
Borrower's Obligations under the Loan Agreement is approximately $9,000 along
with all unpaid interest and fees. In order to accommodate Borrower, Coast and
Borrower have mutually agreed that as of the Effective Date (defined below) and
until Coast determines that Borrower's reporting mechanisms and reports
generated thereby are satisfactory to Coast in its discretion, Coast shall,
except as provided in the next sentence, cease making loans as otherwise set
forth under the Loan Agreement. During this period (the "Forbearance Period"),
the Borrower will pay to Coast minimum interest on the sum of $1,600,000 at the
rate equal to the difference between the applicable rate set forth in the Loan
Agreement for loans and the Prime Rate minus three points. Once Coast in its
discretion has determined that the Forbearance Period should be terminated,
Coast's loans will be made under the terms of the Loan Agreement as they existed
prior to this Amendment.

          2.   TERMINATION OF THE FORBEARANCE PERIOD. Before Coast can determine
whether the Forbearance Period should be terminated, Borrower shall have
submitted new reports in form and substance acceptable to Coast and Coast shall
have performed the necessary audits to confirm the accuracy of such reports.

          3.   COLLECTIONS. During the Forbearance Period, Borrower will not be
required to remit to Coast any proceeds of Borrower's Receivables or other
collections and Borrower may use such monies in the ordinary course of its
business.

          4.   MORATORIUM ON REPORTING AND AUDITS. Except as noted above, during
the Forbearance Period, (a) Borrower will not be required to comply with the
reporting requirements under the Loan Agreement except that Borrower shall
continue to provide Coast with quarterly 10Q's as required by the Loan
Agreement, and (b) Coast will not require that any audits be performed.

          5.   MINIMUM INTEREST. Coast hereby waives the minimum monthly
interest requirement under the Loan Agreement for the time period beginning July
1, 1999 through and including the Effective Date of this Amendment. The
foregoing waiver is a one-time waiver only and not a continuing waiver, and
shall apply only to the matters and time periods specifically set forth in this
Waiver. Without limited the generality of the foregoing, this waiver shall not
apply to any future failure by Borrower to comply with the terms of the Loan
Agreement referenced above or any other term therein.

<PAGE>

          6.   LOCKBOX. Borrower agrees that once the Forbearance Period has
ended, all proceeds of Collateral shall be deposited by Borrower into a lockbox
account, pursuant to a lockbox agreement in such form as Coast may specify.

          7.   MAXIMUM DOLLAR AMOUNT. Borrower agrees that the existing Maximum
Dollar Amount shall remain at $4,000,000.

          8.   CONDITIONS TO EFFECTIVENESS. The "Effective Date" of this
Amendment is the date upon which each of the following shall have occurred:

               a.   This Amendment shall have been duly executed and delivered
by each party hereto.

               b.   Borrower shall repay the Obligations in full.

               c.   Coast shall have received such other documents, instruments,
approvals and opinions as Coast may reasonably request.

          9.   REAFFIRMATION. Except as amended by terms herein, the Loan
Agreement remains in full force and effect. If there is any conflict between the
terms and provisions of this Amendment and the terms and provisions of the Loan
Agreement, the terms and provisions of this Amendment shall govern.

          10.  COUNTERPARTS. This Amendment may be executed in one or more
counterparts.

          11.  GOVERNING LAW. This Amendment shall be governed by the laws of
the State of California.

          12.  ATTORNEYS' FEES. If any action or proceeding shall be commenced
at any time by any party to this Amendment to enforce, interpret or otherwise
concerning the terms herein, the prevailing party in such action shall be
entitled to reimbursement of its costs and reasonable attorneys' fees. EACH OF
THE PARTIES HERETO WAIVES TRIAL BY JURY IN CONNECTION WITH ANY ACTION DESCRIBED
IN THE PRECEDING SENTENCE. In addition to all other fees and charges, Borrower
shall reimburse Coast, upon demand, for all attorneys' fees and costs incurred
in connection with the negotiation, documentation and closing of this Amendment.

"Coast"                                 "Borrower"

COAST BUSINESS CREDIT,                  DELPHI INFORMATION SYSTEMS, INC.
A DIVISION OF SOUTHERN PACIFIC
BANK

By: /s/ Karen Sperry                    By: /s/ J. Baum
   --------------------------------        --------------------------------

Its: VP                                 Its: CFO
    -------------------------------         -------------------------------

                                       2<PAGE>

                                                                  Exhibit 10.19

                                                              CONFIDENTIAL DRAFT

     Confidential treatment has been requested for portions of this document.
Redacted material is identified by double asterisks (i.e. "**"). The
redacted material has been filed separately with the Securities and Exchange
Commission pursuant to an application for confidential treatment.

               STRATEGIC SUPPLY, SERVICES AND PROMOTION AGREEMENT

      This Strategic Supply, Services and Promotion Agreement (this "Agreement")
is entered into as of 20th August, 1999 (the "Effective Date"), between
HEWLETT-PACKARD COMPANY, a Delaware corporation ("HP") and DELPHI INFORMATION
SYSTEMS, INC., a Delaware corporation ("Delphi").

1.    DEFINITIONS

      1.1   "Delphi Logos" means Delphi's name and logo(s), including all
            artwork, graphics, icons and other content to be displayed, at
            Delphi's sole discretion, on Ebix.com.

      1.2   "Ebix.com" (electronic brokers and insurers express) means that
            Delphi insurance portal ebix.com which also includes ebix.mall and
            ebix.link e-commerce services, as it now exists and as it may
            hereafter be modified or replaced, that facilitates commercial and
            consumer insurance transactions over the Web. As of the Effective
            Date the URL of Ebix.com is http://www.ebix.com..

      1.3   "Co-Location Services" means providing power (facility, physical
            location and power), pipes (network connectivity and bandwidth) and
            ping for Ebix.com.

      1.4   "Competitor" means any entity which HP reasonably considers to be
            its competitor of its hardware, software or services.

      1.5   "Effective Date" has the meaning given to such term in the
            introductory paragraph.

      1.6   "Fees" has the meaning given to such term in Section 5.1.

      1.7   "HP Hardware" means the HP computer systems, peripherals, terminals,
            and all related hardware products owned or leased by HP, listed on
            Exhibit A, which HP will provide to Delphi under the Related
            Agreements.

      1.8   "HP Logos" means HP's name and such logo(s) and taglines as HP shall
            designate from time to time, including all artwork, graphics, icons
            and other content, to be displayed on Ebix.com.

      1.9   "HP Services" means the services to be made available by HP as
            defined in Exhibit A, and any other services to be performed by HP
            under the terms of this Agreement or any Related Agreement.

      1.10  "HP Software" means the HP software products listed on Exhibit A,
            which HP will provide to Delphi under the Related Agreements.

                                        1                               08/20/99
<PAGE>

                                                              CONFIDENTIAL DRAFT

      1.11  "Intellectual Property Rights" means rights in patents, copyrights,
            trademarks, trade secrets and all other similar intellectual
            property rights.

      1.12  "Joint Promotional Plan" may include: (a) public relations
            activities including joint press releases concerning this Agreement
            and analyst presentations on the relationship of the Parties; (b)
            demonstration of HP and Delphi's products working together to press
            or other individuals or organizations, as appropriate; (b)
            distribution of promotional literature to the parties; (c)
            convention activities including industry and sponsored shows and
            events; (d) additional press activities including statements
            refining product positioning, cooperation on product reviews; (e)
            customer testimonials from Ebix.com users, and (f) advertisements in
            a variety of publications and possibly other media.

      1.13  "Logos" means the Delphi Logos or the HP Logos, as appropriate.

      1.14  "Management Team" has the meaning given to such term in Section
            6.1(A).

      1.15  "Net Revenues" means, with respect to any calendar quarter, the
            amount of revenue and other income recognized by Delphi under GAAP
            from Other Fees (defined below) generated from Ebix.com for such
            calendar quarter, less any credits, discounts, returns, amounts used
            to purchase additional HP Hardware, HP Software or HP Services
            pursuant to Section 2.2, and reasonable reserves for bad debt
            related to such revenues. For purposes of this Agreement "Other
            Fees" means all fees and charges which are recognized by Delphi
            under GAAP as revenue generated from the Ebix.com, including: (a)
            all amounts charged to carriers, agents, brokers and all other third
            parties for use of Ebix.com, (b) those fees for product sales or
            services, marketing, advertising, and promotions, (c) those fees for
            support provided to carrier/agent/broker subscribing to Ebix.com,
            and (d) fees for content placement, carrier/broker/agent enrollment,
            carrier/broker/agent transactions, payment services, logistic
            tracking, e-commerce enablement of carriers, agents or brokers
            benchmarking services, forums or sales of third party products or
            services transacted through the Ebix.com, and (e) transaction fees.

      1.16  "Party" means HP or Delphi.

      1.17  "Related Agreement" means any agreement hereafter entered into by HP
            and Delphi under which HP agrees to provide to Delphi, HP hardware,
            HP software or HP services, whether invoiced or not, as contemplated
            by this Agreement.

      1.18  "Service Provider" means the provider of some or all of the
            Co-Location Services for the Ebix.com.

      1.19  "Term" means the period beginning on the Effective Date and ending
            on August 19, 2002, or such shorter period as may occur in the event
            of termination under Section 12.

                                        2                               08/20/99
<PAGE>

                                                              CONFIDENTIAL DRAFT

2.    SUPPLY OF PRODUCTS AND SERVICES

      2.1   Related Agreements. HP will provide the HP Software, HP Hardware and
            HP Services under the Related Agreements. HP and Delphi agree to
            negotiate in good faith and execute the Related Agreements as
            quickly as possible after the Effective Date. It is agreed that the
            Related Agreements will be substantially similar in content to HP's
            then-current Terms and Conditions of Sales and Service. Purchase
            orders from Delphi for HP Hardware, HP Software or HP Services will
            reference the appropriate Related Agreement.

      2.2   Additional Purchases and Discounts. Delphi may purchase
            quantities of HP Hardware, HP Software and HP Services in excess
            of that which is ** to Delphi as described in Exhibit A. Unless
            HP has waived Delphi's obligation to only use HP Hardware, HP
            Software and HP Services to operate Ebix.com as set forth in
            Section 2.3(b), for any purchases by Delphi of HP products listed
            in Exhibit A, Delphi may purchase such items during the Term at
            the respective price indicated in HP's then-current corporate
            price list less ten percent (10%), provided that the parties
            agree that such additional purchases are consistent with Delphi's
            growth and scalability requirements, given mutually agreed to
            transaction and revenue growth projections. HP agrees that its
            then-current price list will be competitive with market prices of
            comparable products with comparable functionality from third
            parties. It is expected that the Parties will ** related to
            Ebix.com.

      2.3   Use Limits: Requirements for Ebix.com.

            (a)   Use Limits. All HP Hardware, HP Software and HP Services
                  purchased or made available to Delphi under this Agreement or
                  the Related Agreements may only be used on, or in connection
                  with, Ebix.com. Delphi may not during the Term sell to any
                  third party any HP Hardware purchased or made available to
                  Delphi under this Agreement.

            (b)   Requirements for Ebix.com. **. Provided, however, (i)
                  before Delphi may purchase ** products or services for use
                  on Ebix.com, Delphi must indicate to HP, Delphi's
                  functional and performance needs and ** to satisfy such
                  requirements (to which HP must respond promptly), and (ii)
                  Delphi may only use ** products or services if ** to
                  promptly and adequately respond and is unable to provide
                  competitive functionality and price or ** to such use.

            (c)   Such obligation shall apply to all activities performed by or
                  for Delphi for Ebix.com, including hosting, serving,
                  replicating, caching, or similar

                                        3                               08/20/99
<PAGE>

                                                              CONFIDENTIAL DRAFT

                  activities, and to all hardware and software used in
                  connection therewith, (a) regardless of where it is located if
                  Delphi is providing the hardware or software, as applicable,
                  and (b) in all events, for Ebix.com hardware located on
                  premises owned, leased or otherwise controlled by Delphi.

      2.4   Indemnity.

            (a)   Delphi Indemnity. Delphi shall indemnify, defend and hold
                  harmless HP and its affiliates, suppliers and agents from any
                  liability, damages or costs (including attorneys' fees and
                  expenses) arising from, or relating to, a claim (a) that
                  Ebix.com, including any technology or method therein and any
                  product or service provided by Delphi thereunder, violates the
                  Intellectual Property Rights of a third party, or (b) by a
                  third party arising from (i) the operation of the Ebix.com or
                  any related product or service, or (ii) Delphi's advertising
                  and marketing of HP's and Delphi's joint activities.

            (b)   Indemnity Limits. Delphi shall not be liable for a particular
                  claim under the indemnity in Section 2.4 unless HP shall (a)
                  promptly provide notice of any claim, (b) permit Delphi to
                  assume control over the defense and/or settlement of such
                  claim, and (c) at Delphi's cost, provide reasonable assistance
                  to Delphi in the defense and/or settlement of such claim.
                  Delphi shall not be required to indemnify HP to the extent
                  that such claim is caused by (i) HP Hardware, HP Software, or
                  HP Services, or the combination of such items into the
                  Ebix.com, provided such combination was made or suggested by
                  HP or if such claim would have been avoided if such HP
                  Hardware, HP Software, or HP Services had not been so
                  included, (b) any modification of the Ebix.com by HP if such
                  claim would have been avoided if such modification had not
                  occurred, and (c) any HP Logos or other materials provided by
                  HP.

3.    SERVICE PROVIDERS

      Delphi may elect to negotiate a co-location/services agreement with a
      Service Provider(s). The selection of the Service Provider is subject
      to HP's written approval, which will not be unreasonably withheld and,
      if given, will be provided to Delphi within three (3) business days. In
      the event that Delphi signs up a Service Provider, the
      co-locations/services agreement will provide that title to the HP
      hardware provided by HP to Delphi ** hereunder will remain with Delphi.
      With respect to HP Software, Delphi may grant to the Service Provider
      those limited license rights necessary for the Service Provider to
      provide co-location services, provided that the Service Provider agrees
      to be bound by the terms of the Related Agreements. Any chosen Service
      Provider must be capable of operating HP Hardware and HP Software and
      must provide high levels of redundancy.

                                        4                               08/20/99
<PAGE>

                                                              CONFIDENTIAL DRAFT

4.    MARKETING; BRANDING; LOGOS; PROMOTION

      4.1   Marketing Planning. As promptly as possible following the
            Effective Date the Parties will commence preparation, to be
            completed within ** from the Effective Date, of the Joint
            Promotional Plan. The Joint Promotional Plan will be **.
            Implementation of the Joint Promotional Plan, including the day
            to day decisions shall be determined by Delphi in good faith. **.
            As part of the Joint Promotional Plan, **.

      4.2   Branding of the Ebix.com and Related Materials. During the Term,
            Ebix.com shall be co-branded with the HP Logos and the Delphi Logos.
            The applicable HP Logos, including the tagline "HP Enabled
            E-Service", shall be prominently displayed on the mutually agreed
            upon Ebix.com web pages, in all written collateral and
            advertisements for Ebix.com as Delphi in its reasonable discretion
            deems appropriate, and other locations as mutually agreed upon by
            both Parties. Delphi agrees that (a) the HP Logo will be the most
            prominent logo, after the Ebix logo, on Ebix.com and in all written
            advertising and collateral material, (b) the HP Logo will be placed
            in the primary navigation bar of the Ebix.com, (c) the HP Logo will
            appear "above the fold" on the initial page of Ebix.com on browsers
            set for an 800 x 600 screen size, and (d) Delphi will use
            commercially reasonable efforts to design the other pages on which
            its primary navigation bar appears to show the HP Logo "above the
            fold" on browsers set for an 800 x 600 screen size. HP reserves the
            right to require that the HP Logos be removed from any or all of
            such locations.

      4.3   Logos. HP and Delphi each will have the right, without separate
            charge, to use solely as expressly allowed under the terms of this
            Agreement, the Joint Promotional Plan and any other marketing plan
            agreed to by the Parties, the other Party's Logos. Each Party's use
            of the other Party's Logos will adhere to the respective owner's
            trademark guidelines for such Logos, as revised from time to time
            with reasonable notice. Neither party is granted any ownership in
            or, except as expressly provided herein, license to the trademarks
            or trade names of the other party, including the Logos. Each Party
            agrees (a) to always identify the other's Logos as being the
            property of such other Party, and (b) that all use of the other's
            Party's Logos will inure to the benefit of, and be on behalf of,
            such other Party.

      4.4   No Similar Arrangements. In consideration of the investments and
            efforts by HP in furtherance of this Agreement, **. Delphi will
            notify HP as soon as possible if and when **, and will, at the
            very least, provide HP with thirty (30)

                                        5                               08/20/99
<PAGE>

                                                              CONFIDENTIAL DRAFT

            days notice prior to the anticipated announcement **, so that HP
            has adequate time to **.

5.    FEES AND REPORTING

      5.1   Fees. Delphi shall pay to HP within thirty (30) days of the end
            of each calendar quarter during the term, ** (the "Fees") for
            such preceding calendar quarter. Notwithstanding the terms of
            this Agreement or any Related Agreement, Fees, and other amounts
            due under this Agreement or any Related Agreement may not be
            offset against any amounts due to or from the other Party under
            this Agreement or any Related Agreement. HP is not obligated to
            make any payment to Delphi due to Net Revenues for any calendar
            quarter being less than zero. The payments are exclusive of
            sales, use, service, value added or like taxes, or customs
            duties. A non-binding projection of Fees is attached hereto as
            Exhibit B.

      5.2   Reporting: Interest.

            (a)   Delphi's Reporting. Within thirty (30) days following the end
                  of calendar quarter during the term, Delphi will provide to HP
                  a report for HP to determine the Fees and other amounts agreed
                  to after the Effective Date to which it is entitled under
                  Section 5.1 or otherwise under this Agreement. Such report
                  will include: Delphi's gross revenues relating to the Ebix.com
                  from Other Fees; related discounts; related refunds; related
                  collection reserves debits and credits; other permitted debits
                  and credits. Delphi hereby agrees that each year, upon HP's
                  request, it will require that its independent auditors verify
                  the accuracy of such reports as part of their annual audit of
                  Delphi's books and records and certify the results thereof to
                  HP. Certification by Delphi's auditors should be done upon
                  HP's written request at a minimum of ** prior to
                  Delphi's year end (December 31) so that Delphi can ask its
                  auditors to include this activity in their audit. Any
                  additional fees and expenses charged by such independent
                  auditors for the work relating to verifying the accuracy of
                  such reports and providing such certification shall be borne
                  by HP; provided that Delphi will allow HP to negotiate
                  directly with such auditor the amount of such fees.

            (b)   Overdue Interest. Any payments due hereunder which are not
                  paid when due shall accrue interest from the date due until
                  paid at the per annum rate of ** or the maximum rate
                  permitted by applicable law, whichever is less. Interest
                  will not accrue unless HP provides written notice and such
                  payment is more than ** late.

                                        6                               08/20/99
<PAGE>

                                                              CONFIDENTIAL DRAFT

      5.3   Audit Rights.

            (a)   Audit by HP. Delphi agrees to maintain for at least ** from
                  the date each payment under this Agreement is due, complete
                  books, records, invoices and accounts with respect to the
                  amounts due to HP hereunder. Upon ** prior written notice
                  to Delphi, HP may, at its own expense, appoint a nationally
                  recognized independent auditor to audit Delphi's records
                  relevant to this agreement at Delphi's offices during
                  normal business hours, solely for the purpose of confirming
                  the accuracy of the Fees and other amounts payable to HP
                  hereunder. HP will make all reasonable attempts while
                  conducting any audit to ensure that such does not
                  unreasonably interfere with Delphi's business activities.
                  Any such auditors shall (i) agree to be bound by Delphi's
                  standard nondisclosure agreement, and (ii) only report to
                  HP whether or not the payments were accurate, and if not
                  accurate, the amount of the deficiency or surplus, and
                  (iii) provide the same information to Delphi, as well as
                  their basis for their conclusions. Such audit may be no
                  more often than once every calendar year. If an audit
                  reveals an overpayment by Delphi, HP agrees to promptly
                  refund Delphi for such overpaid amount within ** of such an
                  audit report. If an audit reveals an underpayment by
                  Delphi, Delphi agrees to promptly pay HP the amount of such
                  underpayment, together with overdue interest thereon as
                  specified above. In addition, if such underpayment is
                  greater than ** of the amounts due for the period so
                  audited, Delphi will also promptly reimburse HP for the
                  cost of the audit as evidenced from such independent
                  auditor's bill.

      5.4   Non-Discriminatory Treatment.

            (a)   Features. Delphi agrees that it will not create another web
                  site similar to Ebix.com and that the features which it adds
                  to other portions of its web related business rather than
                  Ebix.com, including the design and architecture of Ebix.com,
                  will not be allocated so as to unreasonably and adversely
                  affect the amount of Fees to be collected by HP.

            (b)   Pricing. **

6.    MANAGEMENT TEAM; OTHER PERSONNEL; OTHER OPPORTUNITIES

      6.1   Management Team.

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<PAGE>

                                                              CONFIDENTIAL DRAFT

            (a)   Team Members. Delphi and HP shall each appoint members to a
                  project management team to oversee the relationship between
                  the Parties (the "Management Team"). Each Party shall specify
                  the initial Management Team members within ** days of
                  the Effective Date. Each Party may substitute members of the
                  Management Team upon fourteen (14) days' prior written notice
                  to the other.

            (b)   Duties. The Management Team shall meet periodically according
                  to a mutually agreed upon schedule, and more frequently, if
                  requested by one of the members. Among the responsibilities of
                  the Management Team shall be managing the relationship between
                  the Parties with respect to performance under this Agreement.

      6.2   Other Assigned Personnel. The Parties shall each designate primary
            day to day contacts to provide the following:

            (a)   From HP: ** who can provide HP marketing support as well as
                  product and services pricing and technical support.

            (b)   From Delphi: ** employees who can coordinate the
                  relationship with HP.

            Each Party may substitute these contacts upon ** prior written
            notice to the other.

      6.3   Other Opportunities. No joint development is contemplated by virtue
            of this Agreement. If the Parties agree to participate in joint
            development activities, the rights and obligations resulting from
            such activities will be covered in a separate agreement.

7.    CONFIDENTIAL INFORMATION

      7.1   During the term of this Agreement, either Party may receive or
            have access to technical information, as well as information
            about product plans and strategies, promotions, customers and
            related non-technical business information which the disclosing
            party considers to be confidential ("Confidential Information").
            Before such Confidential Information is disclosed, the Parties
            shall first agree to disclose and receive such information in
            confidence. If then disclosed, the Confidential Information shall
            be marked as confidential at the time of disclosure, or if
            disclosed orally but stated to be confidential, shall be
            designated as confidential in a writing by the disclosing party
            summarizing the Confidential Information disclosed and sent to
            the receiving party within ** after such oral disclosure.

      7.2   Confidential Information may be used by the receiving party only
            with respect to the performance of its obligations under this
            Agreement, and only by those

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            employees of the receiving party and its subcontractors who have
            a need to know such information for purposes related to this
            Agreement, provided that such subcontractors have signed separate
            agreements containing substantially similar confidentiality
            provisions. The receiving party shall protect the Confidential
            Information of the disclosing party by using the same degree of
            care (but not less than a reasonable degree of care) to prevent
            the unauthorized use, dissemination or publication of such
            Confidential Information, as the receiving party uses to protect
            its own Confidential Information of like nature. The receiving
            party's obligation under this Section 7 shall be for a period of
            ** after the date of disclosure.

      7.3   The obligations stated in this Section 7 shall not apply to any
            information which is:

            7.3.1 Already known by the receiving party prior to disclosure.

            7.3.2 Publicly available through no fault of the receiving party.

            7.3.3 Rightfully received from a third party without a duty of
                  confidentiality.

            7.3.4 Disclosed by the disclosing party to a third party without a
                  duty of confidentiality on such third party.

            7.3.5 Independently developed by the receiving party prior to or
                  independent of the disclosure.

            7.3.6 Disclosed under requirement of law.

            7.3.7 Disclosed by the receiving party with the disclosing party's
                  prior written approval, pursuant to a subpoena or judicial
                  order, provided that, to the extent reasonably possible, the
                  receiving party is given notice and an opportunity to object.

8.    WARRANTIES

      8.1   HP Warranties. HP represents and warrants to Delphi that HP has full
            power and authority to enter into and perform this Agreement. EXCEPT
            FOR THE WARRANTIES PROVIDED ABOVE OR IN ANY RELATED AGREEMENT WITH
            RESPECT TO SPECIFIC HP HARDWARE, HP SOFTWARE OR HP SERVICES, HP
            MAKES NO WARRANTY, WHETHER EXPRESS OR IMPLIED, TO ANY PERSON OR
            ENTITY WITH RESPECT TO THE HP HARDWARE, HP SOFTWARE OR HP SERVICES,
            AND HP DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WITHOUT
            LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
            PARTICULAR PURPOSE AND NON-INFRINGEMENT.

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      8.2   Delphi Warranties. Delphi represents and warrants to HP that DELPHI
            HAS FULL POWER AND AUTHORITY TO ENTER INTO AND PERFORM THIS
            AGREEMENT. EXCEPT FOR THE WARRANTIES PROVIDED ABOVE, DELPHI MAKES NO
            WARRANTY, WHETHER EXPRESS OR IMPLIED, TO ANY PERSON OR ENTITY WITH
            RESPECT TO EBIX.COM AND DELPHI DISCLAIMS ALL IMPLIED WARRANTIES,
            INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY,
            FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

9.    INTELLECTUAL PROPERTY RIGHTS

      9.1   All copyrights and other Intellectual Property Rights existing prior
            to the Effective Date shall belong to the Party that owned such
            rights immediately prior to the Effective Date.

      9.2   Neither party shall gain by virtue of this Agreement any rights of
            ownership of any Intellectual Property Rights owned by the other.

      9.3   HP shall own all Intellectual Property Rights, title and interest in
            or pertaining to all products and services developed by HP for
            purposes of this Agreement, except that for any development
            commissioned by or on behalf of Delphi, the rights and obligations
            resulting from such activity will be covered in a separate
            agreement.

      9.4   No joint development is contemplated by virtue of this Agreement. If
            the parties agree to participate in joint development activities,
            the rights and obligations resulting from such activities will be
            covered in a separate agreement.

10.   INTELLECTUAL PROPERTY PROTECTION

      10.1  HP will defend or settle any claim against Delphi that the HP
            Hardware, Software or Services delivered under and used in
            accordance with this Agreement infringes Intellectual Property
            Rights in the country where such Hardware, Software or Services are
            used or receive HP support.

      10.2  The protections provided in Section 10.1 above will apply provided
            Delphi promptly notifies HP in writing of the claim, and Delphi
            cooperates with HP in and grants HP sole control of the defense or
            settlement. For infringement claims covered by this Section 10, HP
            will pay **.

      10.3  HP has no obligation for any claim of infringement arising from:

            10.3.1 HP's compliance with or use of Delphi's information, Delphi
                   content, technology, designs, specifications or instructions.

            10.3.2 Modifications by Delphi or a third party.

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                                                              CONFIDENTIAL DRAFT

            10.3.3 Use prohibited by HP product manuals, datasheets or related
                   application notes.

            10.3.4 Use of the HP Hardware or Software with products not supplied
                   by HP.

      10.4  This Section 10 states HP's entire liability for claims of
            intellectual property infringement.

11.   LIABILITY LIMITATION

      EXCEPT FOR BODILY INJURY AND OTHER THAN BREACH OF, OR LIABILITY UNDER,
      SECTION 7, NEITHER PARTY SHALL BE LIABLE WITH RESPECT TO THE SUBJECT
      MATTER OF THIS AGREEMENT OR UNDER ANY CONTRACT, NEGLIGENCE, STRICT
      LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY FOR ANY INCIDENTAL, SPECIAL
      OR CONSEQUENTIAL DAMAGES. NOTWITHSTANDING ANY FAILURE OF ESSENTIAL
      PURPOSE OF ANY LIMITED REMEDY OR ANY OTHER TERM OF THIS AGREEMENT, EXCEPT
      FOR BODILY INJURY AND BREACH OF, OR LIABILITY UNDER SECTIONS 2.4(A), 7, or
      10, THE TOTAL LIABILITY OF EITHER PARTY TO THE OTHER UNDER THIS AGREEMENT,
      REGARDLESS OF THE FORM OF ACTION, SHALL NOT EXCEED **.

12.   TERM AND TERMINATION

      12.1  Term. This Agreement shall expire at the end of the Term unless the
            Parties agree, **, to extend the Term.

      12.2  Termination for Breach. Either Party may terminate this Agreement
            if:

            (a)   The other Party is in material breach of this Agreement and
                  fails to cure such breach within ** of notice by the
                  terminating Party of such breach; provided, that such **
                  period shall be automatically extended up to an additional
                  **, if the breach is of such a nature that it cannot be
                  corrected within such ** period (provided that the breach
                  does not involve the non-breaching Party's intellectual
                  property rights) and the breaching Party is using its best
                  efforts to correct such breach throughout such cure period;
                  or

            (b)   The other Party is in material breach of any Related Agreement
                  and fails to cure such breach in accordance with the
                  procedures, including time for cure, if any, specified in such
                  Related Agreement; or

            (c)   The other Party becomes the subject of a petition in
                  bankruptcy, whether voluntary or involuntary, which if
                  involuntary is not dismissed within

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                                                              CONFIDENTIAL DRAFT

                  sixty (60) days, or becomes insolvent, or ceases to do
                  business in the normal course.

      12.3  Termination Due to Failure to Achieve Minimum Fees. HP may
            terminate this Agreement upon thirty (30) days written notice to
            Delphi, if the total Fees received by HP from the Effective Date
            through the date of payment for the last month of the first year,
            do not equal at least **, or if the total Fees received by HP
            through the date of payment for the last month of the second year
            do not equal at least **.

      12.4  Termination Due to **. HP **.

      12.5  Effect of Termination.

            (a)   Unless otherwise provided in a Related Agreement, the Related
                  Agreement(s) will terminate upon expiration or termination of
                  this Agreement.

            (b)   In the event the Agreement is terminated by HP pursuant to
                  Sections 12.3 and 12.4, then Delphi will, at its option,
                  either (a) return all HP Hardware and HP Software to HP, or
                  (b) purchase the HP Hardware and HP Software at fair market
                  value.

      12.6  Termination of Related Agreement(s). Unless otherwise provided in a
            Related Agreement, the Related Agreement(s) will terminate upon
            expiration or termination of this Agreement.

      12.7  No Compensation for Termination. Unless otherwise provided under
            this Agreement, and without limiting any of the Parties' remedies at
            law or equity, neither Party shall be entitled to any compensation
            (whether for loss of rights, goodwill or otherwise) as a result of
            the expiration or termination of this Agreement in accordance with
            its terms.

      12.8  Survival. Termination or expiration of this Agreement shall not
            affect Delphi's obligation to pay all Fees and other amounts due to
            HP hereunder accrued prior to termination (or, where applicable,
            after termination). Neither the expiration nor

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                                                              CONFIDENTIAL DRAFT

            termination of this Agreement (however occasioned) shall affect
            Sections 1, 2.4, 5, 7, 8, 9, 10, 11 and 12, each of which shall
            continue in full force and effect.

13.   MISCELLANEOUS

      13.1  Headings: Plural Terms. Headings in this Agreement are for
            convenience of reference only and are not part of the substance
            hereof. All terms defined in this Agreement in the singular form
            shall have comparable meanings when used in the plural form and vice
            versa.

      13.2  Governing Law. This Agreement shall be governed by and construed in
            accordance with the laws of the State of California, without regard
            to its provisions concerning the applicability of the laws of other
            jurisdictions and without regard to The United Nations Convention on
            the International Sale of Goods.

      13.3  Construction. This Agreement is the result of negotiations among,
            and has been reviewed by, HP, Delphi and their respective counsel.
            Accordingly, this Agreement shall be deemed to be the product of
            both Parties, and no ambiguity shall be construed in favor of or
            against HP or Delphi.

      13.4  Entire Agreement: Priority. This Agreement, together with each
            Related Agreement hereafter executed by the Parties, constitute and
            contain the entire agreement of HP and Delphi and supersede any and
            all prior agreements, negotiations, correspondence, understandings
            and communications between the Parties, whether written or oral,
            respecting the subject matter hereof. This Agreement and the Related
            Agreements shall supersede any provision of any purchase order or
            other document submitted by Delphi or any invoice or other document
            provided by HP hereunder, notwithstanding any provision in such
            purchase order or document to the contrary. If the terms of this
            Agreement conflict with the terms of any Related Agreement, the
            terms of such Related Agreement shall control.

      13.5  Other Interpretive Provisions. References in this Agreement to
            "Sections," and "Exhibits" are to sections and exhibits herein and
            hereto unless otherwise indicated. The words "include" and
            "including" and words of similar import when used in this Agreement
            shall not be construed to be limiting or exclusive.

      13.6  Non-Restrictive Relationship. This Agreement does not prevent either
            Party from (a) entering into similar agreements with others, whether
            or not in the same industry, or (b) independently developing
            (without breach of Section 7) materials, products and services the
            same as or similar to the materials, products or services provided
            by the other Party hereunder.

      13.7  No Publication. Except as contemplated by the Joint Promotional Plan
            or with the prior written consent of both Parties (a) neither Party
            may publicize or disclose to

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                                                              CONFIDENTIAL DRAFT

            any third Party the terms of this Agreement, and (b) no press
            releases may be made regarding this Agreement or the relationship of
            the Parties.

      13.8  Relationship of the Parties. Notwithstanding any provision hereof
            this Agreement does not create, and is not intended to create, a
            joint venture, partnership or agency relationship between the
            parties. For all purposes of this Agreement, each Party shall be and
            act as an independent contractor and not as partner, joint venturer,
            or agent of the other and shall not bind nor attempt to bind the
            other to any contract. Neither Party shall have any responsibility
            or liability of any kind to any subcontractors or third parties
            providing services to or for the benefit of the other Party. Each
            Party shall be free to manage and control its business as it sees
            fit, without the management, control or assistance of the other
            Party, except as otherwise prescribed herein.

      13.9  Ownership. Neither Party is granted any right, title nor interest to
            intellectual property owned by the other Party, either express or
            implied, except as may be explicitly provided herein or in any
            Related Agreement.

      13.10 Export Administration. It is Delphi's responsibility to comply with
            all relevant export control laws and regulations of the United
            States with respect to Ebix.com and the products and services
            provided by HP to Delphi hereunder, and to assure that such products
            are not (a) exported, directly or indirectly, in violation of such
            export control laws, or (b) intended to be used for any purposes
            prohibited by such export control laws, including, without
            limitation, nuclear, chemical or biological weapons proliferation.

      13.11 No Assignment. Neither Party may assign any rights or obligations
            under this Agreement without the prior written consent of the other
            Party.

      13.12 Notices. All notices that are required to be given under this
            Agreement shall be in writing and shall be sent to the respective
            address set forth below, or such other address as each Party may
            designate by notice given in accordance with this Section. Any such
            notice may be delivered by hand, by overnight courier, by first
            class pre-paid letter or by facsimile transmission, and shall be
            deemed to have been received: (a) by hand delivery, at the time of
            delivery; (b) by overnight courier, on the succeeding business day;
            (c) by first class mail, two business days after the date of
            mailing; and (d) by facsimile, immediately upon confirmation of
            transmission provided a confirmatory copy is sent by first class
            pre-paid, by overnight courier or by hand by the end of the next
            business day.

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                                                              CONFIDENTIAL DRAFT

            For HP:                           For Delphi:
            Hewlett-Packard Company           Delphi Information Systems, Inc.
                                              3501 Algonquin Road
                                              Rolling Meadows, IL 60008
            Attention:                        Attention: Richard Baum, CFO
            Telephone:                        Telephone: 847-506-3100
            Facsimile:                        Facsimile: 847-590-8280

            With a copy of all notices (other than notices of a primarily
            technical nature) to:

            Hewlett-Packard Legal             Delphi Legal
            Hewlett-Packard Company           3501 Algonquin Road
                                              Rolling Meadows, IL 60008
                                              Attention: Richard Baum, CFO
                                              Telephone: 847-506-3100
                                              Facsimile 847-590-8280

      13.13 Waiver and Modification. The failure of either Party to enforce its
            rights under this Agreement at any time for any period shall not be
            construed as a waiver of such rights. No changes, modifications or
            waivers are to be made to this Agreement unless evidenced in writing
            and signed for and on behalf of both Parties.

      13.14 Severability. If any provision in Agreement is found or held to be
            invalid or unenforceable, then the meaning of such provision shall
            be construed, to the extent feasible, so as to render the provision
            enforceable, and if no feasible interpretation would save such
            provision, it shall be severed from the remainder of this Agreement
            which shall remain in full force and effect. However, if the severed
            provision is essential and material to the rights or benefits
            received by either Party, the Parties shall use their best efforts
            to negotiate, in good faith, a substitute, valid and enforceable
            provision or agreement which most nearly effects their intent in
            entering into this Agreement.

      13.15 Force Majeure. Nonperformance of either Party will be excused to the
            extent that performance is rendered impossible by earthquake,
            strike, fire, flood, governmental acts or order or restrictions or
            other similar reason where failure to perform is beyond the control
            and not caused by the negligence of the non-performing Party,
            provided that the nonperforming Party gives prompt notice of such
            conditions to the other Party and makes all reasonable efforts to
            perform.

      13.16 Jurisdiction; Prevailing Party. HP consents to the exclusive
            jurisdiction and venue of the courts located in Cook County,
            Illinois for any and all actions brought by HP with respect to this
            Agreement. Delphi consents to the exclusive jurisdiction and venue
            of the courts located in Santa Clara County, California for any and
            all actions brought by Delphi with respect to this Agreement. In any

                                       15                               08/20/99
<PAGE>

                                                              CONFIDENTIAL DRAFT

            action or proceeding to enforce rights under this Agreement, the
            prevailing Party will be entitled to recover costs and attorneys
            fees.

      13.17 Dispute Resolution. In the event that the Parties are unable to
            agree upon any matters pursuant to this Agreement, the disputed
            matter shall be referred in the first instance to the appointed
            representatives of the Parties. If the representatives are unable
            to resolve the disputed matter within a reasonable time, they
            shall refer the matter to Controller for HP and Dick Baum, CFO
            for Delphi. If these two representatives cannot reach a mutually
            acceptable agreement within the following two (2) weeks, or such
            other period as may be agreed between the Parties, the matter
            shall be referred to General Manager for HP and Robin Raina,
            President for Delphi. In the event they cannot reach a mutually
            acceptable resolution within a reasonable time, either Party
            shall be entitled to seek all available remedies, including legal
            remedies. Notwithstanding the foregoing, either Party may seek
            injunctive relief with respect to any disputed matter without
            following the dispute resolution procedure set forth above.

      IN WITNESS WHEREOF, the Parties have executed this Agreement as of the
Effective Date.

HEWLETT-PACKARD COMPANY                  DELPHI INFORMATION SYSTEMS, INC.

By: /s/ Illegible                        By: /s/ Robin Raina
    -----------------------------            -----------------------------
Print Name:                              Print Name: Robin Raina

Title:                                   Title: President, Delphi

                                       16                               08/20/99
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                                                              CONFIDENTIAL DRAFT

                                    EXHIBIT A

HP Hardware - terms to be covered under Related Agreements.

      **

HP Software - terms to be covered under Related Agreements.

      **

HP Services - terms to be covered under Related Agreements

      HP will provide consulting to evaluate Delphi's environment and ensure
      optimal configuration and usage of **, including an initial analysis
      and deployment as well as ongoing refinement and use of advanced
      functionality in subsequent phases over the Term of the Agreement.

                                       17
<PAGE>

                                                              CONFIDENTIAL DRAFT

                                    EXHIBIT B

                                 PROJECTED FEES

                               Year 1        Year 2        Year 3       Total
                               ----------------------------------------------

Ebix Revenues                                       **

HP's ** Share ("Fees")                              **

Transaction Projections:
Year 01
**

Year 02 & Year 03
**

                                       18

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