Document:

<PAGE>
                                                                  EXHIBIT 10.(d)

                              EMPLOYMENT AGREEMENT

        AGREEMENT between First Security Bank of Missoula, ("Bank"), and William
L. Bouchee, ("Executive"), and ratified by Glacier Bancorp, Inc. ("Bancorp"),

                                    RECITALS

A.      First Security Bank of Missoula, ("Bank"), is a wholly owned subsidiary
        of Glacier Bancorp, Inc., ("Bancorp").

B.      Executive is the President and Chief Executive Officer of the Bank, a
        director of the Bank, and a director of Bancorp.

C.      The Bank desires Executive to continue his employment at the Bank under
        the terms and conditions of this Agreement.

D.      Executive desires to continue his employment at the Bank under the terms
        and conditions of this Agreement.

                                    AGREEMENT

1.      EMPLOYMENT. The Bank agrees to employ Executive and Executive accepts
        employment by the Bank on the terms and conditions set forth in this
        Agreement. Executive's title will be President and Chief Executive
        Officer of the Bank. During the term of this Agreement, Executive will
        serve as a director of the Bank.

2.      TERM. The term of this Agreement is for one year beginning January 1,
        2002.

3.      DUTIES. The Bank will employ Executive as its President and Chief
        Executive Officer. Executive will faithfully and diligently perform his
        assigned duties, which are as follows:

        (a)    Bank Performance. Executive will be responsible for all aspects
               of the Bank's performance, including without limitation,
               directing that daily operational and managerial matters are
               performed in a manner consistent with the Bank's and Bancorp's
               policies.

        (b)    Development and Preservation of Business. Executive will be
               responsible for the development and preservation of banking
               relationships and other business development efforts (including
               appropriate civic and community activities) in Missoula County.

        (c)    Report to Board. Executive will report directly to the Bank's
               board of directors and to the Chief Executive Officer of Bancorp.
               The Bank's board of directors may, from time to time, modify
               Executive's title or add, delete, or modify Executive's
               performance responsibilities to accommodate management

<PAGE>

               succession, as well as any other management objectives of the
               Bank or of Bancorp. Executive will assume any additional
               positions, duties and responsibilities as may reasonably be
               requested of him with or without additional compensation, as
               appropriate and consistent with Sections 3(a) and 3(b) of this
               Agreement.

4.      EXTENT OF SERVICES. Executive will devote all of his working time,
        attention and skill to the duties and responsibilities set forth in
        Section 3. To the extent that such activities do not interfere with his
        duties under Section 3, Executive may participate in other businesses as
        a passive investor, but (a) Executive may not actively participate in
        the operation or management of those businesses, and (b) Executive may
        not, without the Bank's prior written consent, make or maintain any
        investment in a business with which the Bank or Bancorp has an existing
        competitive or commercial relationship.

5.      SALARY. Executive will receive an annual salary of $168,000.00 to be
        paid in accordance with the Bank's regular payroll schedule.

6.      INCENTIVE COMPENSATION. During the Term, the Bank's board of directors,
        subject to ratification by Bancorp's board of directors, will determine
        the amount of bonus to be paid by the Bank to Executive for that year.
        In making this determination, the Bank's board of directors will
        consider factors such as Executive's performance of his duties and the
        safety, soundness and profitability of the Bank. Executive's bonus will
        reflect Executive's contribution to the performance of the Bank during
        the year. This bonus will be paid to Executive no later than January 31
        of the year following the year in which the bonus is earned by
        Executive.

7.      INCOME DEFERRAL. Executive will be eligible to participate in any
        program available to the Bank's and Bancorp's senior management for
        income deferral, for the purpose of deferring receipt of any or all of
        the compensation he may become entitled to under this Agreement.

8.      VACATION AND BENEFITS.

        (a)    Vacation and Holidays. Executive will receive four weeks of paid
               vacation each year in addition to all holidays observed by the
               Bank. Executive may carry over, in the aggregate, up to four
               weeks of unused vacation to a subsequent year. Any unused
               vacation time in excess of four weeks will not accumulate or
               carry over from one calendar year to the next. Each calendar year
               Executive shall take not less than one (1) week vacation.

        (b)    Benefits. Executive will be entitled to participate in any group
               life insurance, disability, health and accident insurance plans,
               profit sharing and pension plans and in other employee fringe
               benefit programs the Bank or Bancorp may have in effect from time
               to time for its similarly situated employees, in accordance with
               and subject to any policies adopted by the Bank's board of
               directors with respect to the plans or programs, including
               without limitation, any incentive or employee stock option plan,
               deferred compensation plan, 40 1(k) plan, and Supplemental
               Executive Retirement Plan (SERP). Neither the Bank nor Bancorp,
               through this Agreement, obligate itself to make any particular
               benefits available to its employees.

<PAGE>

        (c)    Business Expenses. The Bank will reimburse Executive for ordinary
               and necessary expenses which are consistent with past practice at
               the Bank (including, without limitation, travel, entertainment,
               and similar expenses) and which are incurred in performing and
               promoting the Bank's business. Executive will present from time
               to time itemized accounts of these expenses, subject to any
               limits of the Bank policy or the rules and regulations of the
               Internal Revenue Service.

9.      TERMINATION OF EMPLOYMENT.

        (a)    Termination by the Bank for Cause. If the Bank terminates
               Executive's employment for Cause (defined below) before this
               Agreement terminates, the Bank will pay Executive the salary
               earned and expenses reimbursable under this Agreement incurred
               through the date of his termination. Executive will have no right
               to receive compensation or other benefits for any period after
               termination under this Section 9(a).

        (b)    Other Termination by the Bank. If the Bank terminates Executive's
               employment without Cause before this Agreement terminates, or
               Executive terminates his employment for Good Reason (defined
               below), the Bank will pay Executive for the remainder of the Term
               the compensation and other benefits he would have been entitled
               to if his employment had not terminated.

        (c)    Death or Disability. This Agreement terminates (1) if Executive
               dies or (2) if Executive is unable to perform his duties and
               obligations under this Agreement for a period of 90 consecutive
               days as a result of a physical or mental disability arising at
               any time during the term of this Agreement, unless with
               reasonable accommodation Executive could continue to perform his
               duties under this Agreement and making these accommodations would
               not pose an undue hardship on the Bank. If termination occurs
               under this Section 9(c), Executive or his estate will be entitled
               to receive all compensation and benefits earned and expenses
               reimbursable through the date Executive's employment terminated.

        (d)    Termination Related to a Change in Control.

               (1)    Termination by Bank. If the Bank, or its successor in
                      interest by merger, or its transferee in the event of a
                      purchase in an assumption transaction (for reasons other
                      than Executive's death, disability, or Cause) (1)
                      terminates Executive's employment within one year
                      following a Change in Control (as defined below), or (2)
                      terminates Executive's employment before the Change in
                      Control but on or after the date that any party either
                      announces or is required by law to announce any
                      prospective Change in Control transaction and a Change in
                      Control occurs within six months after the termination,
                      the Bank will provide Executive with the payment and
                      benefits described in Section 9(d)(3) below.

               (2)    Termination by Executive. If Executive terminates
                      Executive's employment, with or without Good Reason,
                      within one year following a Change in Control, the Bank
                      will provide Executive with the payment and benefits
                      described in Section 9(d)(3).

<PAGE>

               (3)    Payments. If Section 9(d)(1) or (2) is triggered in
                      accordance with its terms, the Bank will: (i) pay
                      Executive in 12 monthly installments in an amount equal to
                      the Executive's annual salary (determined as of the day
                      before the date Executive's employment was terminated) and
                      (ii) maintain and provide for 1 year following Executive's
                      termination, at no cost to Executive, the benefits
                      described in Section 9(b) to which Executive is entitled
                      (determined as of the day before the date of such
                      termination); but if Executive's participation in any such
                      benefit is thereafter barred or not feasible, or
                      discontinued or materially reduced, the Bank will arrange
                      to provide Executive with either benefits substantially
                      similar to those benefits or a cash payment of
                      substantially similar value in lieu of the benefits.

        (e)    Limitations on Payments Related to Change in Control. The
               following apply notwithstanding any other provision of this
               Agreement:

               (1)    the total of the payments and benefits described in
                      Section 9(d)(3) will be less than the amount that would
                      cause them to be a "parachute payment" within the meaning
                      of Section 280G(b)(2)(A) of the Internal Revenue Code;

               (2)    the payment and benefits described in Section 9(d)(3) will
                      be reduced by any compensation (in the form of cash or
                      other benefits) received by Executive from the Bank or its
                      successor after the Change in Control; and

               (3)    Executive's right to receive the payments and benefits
                      described in Section 9(d)(3) terminates (i) immediately if
                      before the Change in Control transaction closes, Executive
                      terminates his employment without Good Reason, or the Bank
                      terminates Executive's employment for Cause, or (ii) one
                      year after a Change of Control occurs.

        (f)    Return of Bank Property. If and when Executive ceases, for any
               reason, to be employed by the Bank, Executive must return to the
               Bank all keys, pass cards, identification cards and any other
               property of the Bank. At the same time, Executive also must
               return to the Bank all originals and copies (whether in
               memoranda, designs, devices, diskettes, tapes, manuals, and
               specifications) which constitute proprietary information or
               material of the Bank. The obligations in this paragraph include
               the return of documents and other materials which may be in his
               desk at work, in his car, in place of residence, or in any other
               location under his control.

        (g)    Cause. "Cause" means any one or more of the following:

               (1)    Willful misfeasance or gross negligence in the performance
                      of Executive's duties;

               (2)    Conviction of a crime in connection with his duties;

<PAGE>

               (3)    Conduct demonstrably and significantly harmful to the
                      Bank, as reasonably determined on the advice of legal
                      counsel by the Bank's board of directors; or

               (4)    Permanent disability, meaning a physical or mental
                      impairment which renders Executive incapable of
                      substantially performing the duties required under this
                      Agreement, and which is expected to continue rendering
                      Executive so incapable for the reasonably foreseeable
                      future.

        (h)    Good Reason. "Good Reason" means only any one or more of the
               following:

               (1)    Reduction of Executive's salary or reduction or
                      elimination of any compensation or benefit plan benefiting
                      Executive, unless the reduction or elimination is
                      generally applicable to other executive officers within
                      Bancorp (or executive officers of a successor or
                      controlling entity of the Bank) formerly benefitted;

               (2)    The assignment to Executive without his consent of any
                      authority or duties materially inconsistent with
                      Executive's position as of the date of this Agreement;

               (3)    The material breach of this Agreement by the Bank, or

               (4)    A relocation or transfer of Executive's principal place of
                      employment outside Missoula County, Montana.

        (i)    Change in Control. "Change in Control" means a change "in the
               ownership or effective control" or "in the ownership of a
               substantial portion of the assets" of the Bank, within the
               meaning of Section 280G of the Internal Revenue Code.

10.     CONFIDENTIALITY. Executive will not, after the date this Agreement was
        signed, including during and after its Term, use for his own purposes or
        disclose to any other person or entity any confidential business
        information concerning the Bank or its business operations, unless (1)
        the Bank consents to the use or disclosure of confidential information;
        (2) the use or disclosure is consistent with Executive's duties under
        this Agreement, or (3) disclosure is required by law or court order. For
        purposes of this Agreement, confidential business information includes,
        without limitation, trade secrets (as defined under the Montana Uniform
        Trade Secrets Act, Montana Code Section 30-14-402), various confidential
        information on investment management practices, marketing plans, pricing
        structure and technology of either the Bank or Bancorp. Executive will
        also treat the terms of this Agreement as confidential business
        information.

11.     NONCOMPETITION. During the Term and the terms of any extensions or
        renewals of this Agreement and for a period equal to one year after
        Executive's employment with the Bank and Bancorp has terminated,
        Executive will not, directly or indirectly, as a shareholder, director,
        officer, employee, partner, agent, consultant, lessor, creditor or
        otherwise:

        (a)    provide management, supervisory or other similar services to any
               person or entity engaged in any business in counties in which the
               Bank or Bancorp may have a presence which is competitive with the
               business of the Bank or Bancorp or a

<PAGE>

               subsidiary as conducted during the term of this Agreement or as
               conducted as of the date of termination of employment, including
               any preliminary steps associated with the formation of a new
               bank.

        (b)    persuade or entice, or attempt to persuade or entice any employee
               of the Bank or Bancorp or a subsidiary to terminate his/her
               employment with the Bank or a subsidiary.

        (c)    persuade or entice or attempt to persuade or entice any person or
               entity to terminate, cancel, rescind or revoke its business or
               contractual relationships with the Bank or Bancorp.

12.     ENFORCEMENT.

        (a)    The Bank and Executive stipulate that, in light of all of the
               facts and circumstances of the relationship between Executive and
               the Bank, the agreements referred to in Sections 10 and 11
               (including without limitation their scope, duration and
               geographic extent) are fair and reasonably necessary for the
               protection of the Bank's and Bancorp's confidential information,
               goodwill and other protectable interests. If a court of competent
               jurisdiction should decline to enforce any of those covenants and
               agreements, Executive and the Bank request the court to reform
               these provisions to restrict Executive's use of confidential
               information and Executive's ability to compete with the Bank and
               Bancorp to the maximum extent, in time, scope of activities and
               geography, the court finds enforceable.

        (b)    Executive acknowledges the Bank and Bancorp will suffer immediate
               and irreparable harm that will not be compensable by damages
               alone if Executive repudiates or breaches any of the provisions
               of Sections 10 or 11 or threatens or attempts to do so. For this
               reason, under these circumstances, the Bank, in addition to and
               without limitation of any other rights, remedies or damages
               available to it at law or in equity, will be entitled to obtain
               temporary, preliminary and permanent injunctions in order to
               prevent or restrain the breach, and the Bank will not be required
               to post a bond as a condition for the granting of this relief.

13.     COVENANTS. Executive specifically acknowledges the receipt of adequate
        consideration for the covenants contained in Sections 10 or 11 and that
        the Bank is entitled to require him to comply with these Sections. These
        Sections will survive termination of this Agreement. Executive
        represents that if his employment is terminated, whether voluntarily or
        involuntarily, Executive has experience and capabilities sufficient to
        enable Executive to obtain employment in areas which do not violate this
        Agreement and that the Bank's enforcement of a remedy by way of
        injunction will not prevent Executive from earning a livelihood.

14.     ARBITRATION.

        (a)    Arbitration. At either party's request, the parties must submit
               any dispute, controversy or claim arising out of or in connection
               with, or relating to, this Agreement or any breach or alleged
               breach of this Agreement, to arbitration under the American
               Arbitration Association's rules then in effect (or under any
               other form of arbitration mutually acceptable to the parties). A
               single arbitrator

<PAGE>

               agreed on by the parties will conduct the arbitration. if the
               parties cannot agree on a single arbitrator, each party must
               select one arbitrator and those two arbitrators will select a
               third arbitrator. This third arbitrator will hear the dispute.
               The arbitrator's decision is final (except as otherwise
               specifically provided by law) and binds the parties, and either
               party may request any court having jurisdiction to enter a
               judgment and to enforce the arbitrator's decision. The arbitrator
               will provide the parties with a written decision naming the
               substantially prevailing party in the action. This prevailing
               party is entitled to reimbursement from the other party for its
               costs and expenses, including reasonable attorneys' fees.

        (b)    Governing Law. All proceedings will be held at a place designated
               by the arbitrator in Missoula County, Montana. The arbitrator, in
               rendering a decision as to any state law claims, will apply
               Montana law.

        (c)    Exception to Arbitration. Notwithstanding the above, if Executive
               violates Section 10 or 11, the Bank will have the right to
               initiate the court proceedings described in Section 12(b), in
               lieu of an arbitration proceeding under this Section 14.

15.     MISCELLANEOUS PROVISIONS.

        (a)    Entire Agreement. This Agreement constitutes the entire
               understanding and agreement between the parties concerning its
               subject matter and supersedes all prior agreements,
               correspondence, representations, or understandings between the
               parties relating to its subject matter.

        (b)    Binding Effect. This Agreement will bind and inure to the benefit
               of the Bank's and Executive's heirs, legal representatives,
               successors and assigns.

        (c)    Litigation Expenses. If either party successfully seeks to
               enforce any provision of this Agreement or to collect any amount
               claimed to be due under it, this party will be entitled to
               reimbursement from the other party for any and all of its
               out-of-pocket expenses and costs including, without limitation,
               reasonable attorneys' fees and costs incurred in connection with
               the enforcement or collection.

        (d)    Waiver. Any waiver by a party of its rights under this Agreement
               must be written and signed by the party waiving its rights. A
               party's waiver of the other party's breach of any provision of
               this Agreement will not operate as a waiver of any other breach
               by the breaching party.

        (e)    Assignment. The services to be rendered by Executive under this
               Agreement are unique and personal. Accordingly, Executive may not
               assign any of his rights or duties under this Agreement.

        (f)    Amendment. This Agreement may be modified only through a written
               instrument signed by both parties and ratified by Bancorp.

        (g)    Severability. The provisions of this Agreement are severable. The
               invalidity of any provision will not affect the validity of other
               provisions of this Agreement.

<PAGE>

        (h)    Governing Law and Venue. This Agreement will be governed by and
               construed in accordance with Montana law, except to the extent
               that certain regulatory matters may be governed by federal law.
               The parties must bring any legal proceeding arising out of this
               Agreement in Missoula County, Montana.

        (i)    Counterparts. This Agreement may be executed in one or more
               counterparts, each of which shall be deemed to be an original,
               but all of which taken together will constitute one and the same
               instrument.

        Signed this 14 day of January, 2002.

                                             FIRST SECURITY BANK OF MISSOULA

                                             By:  /s/ William L. Bouchee
                                                 -------------------------------
Attest: By:

By:  /s/ Harold J. Fraser
   -------------------------------
Secretary

                                             EXECUTIVE

                                             By:  /s/ William L. Bouchee
                                                 -------------------------------

Ratified December 27, 2001

GLACIER BANCORP, INC.

By:  /s/ Michael J. Blodnick
   -------------------------------
President/CEO<PAGE>
                                                                    EXHIBIT 10.9

                          LOAN MODIFICATION AGREEMENT

This Loan Modification Agreement is entered into as of March 12, 2002, by and
between Corillian Corporation ("Borrower") and Silicon Valley Bank ("Bank").

1.   DESCRIPTION OF EXISTING INDEBTEDNESS: Among other indebtedness which may be
owing by Borrower to Bank, Borrower is indebted to Bank pursuant to, among other
documents, a Loan and Security Agreement, dated November 9, 2000, as may be
amended from time to time, (the "Loan Agreement"). The Loan Agreement provided
for, among other things, a Committed Equipment Line in the original principal
amount of Five Million Dollars ($5,000,000). Defined terms used but not
otherwise defined herein shall have the same meanings as set forth in the Loan
Agreement.

Hereinafter, all indebtedness owing by Borrower to Bank shall be referred to as
the "Indebtedness."

2.   DESCRIPTION OF COLLATERAL. Repayment of the Indebtedness is secured by the
Collateral as described in the Loan Agreement. In addition, Borrower has agreed
not to encumber any of its Intellectual Property pursuant to that certain
Negative Pledge Agreement, dated November 9, 2000.

Hereinafter, the above-described security documents and guaranties, together
with all other documents securing repayment of the Indebtedness shall be
referred to as the "Security Documents". Hereinafter, the Security Documents,
together with all other documents evidencing or securing the Indebtedness shall
be referred to as the "Existing Loan Documents".

3.   DESCRIPTION OF CHANGE IN TERMS.

     A.   Modification(s) to Loan Agreement.

          1.   Sub-letter (e) under Section 6.2 entitled "Financial Statements,
               Reports, Certificates" are hereby incorporated to read as
               follows:

               (e) Borrower will deliver to Bank, as soon as available, but no
               later than 45 days after the last day of each month, (i) a
               company prepared consolidated and consolidating balance sheet and
               income statement covering Borrower's consolidated and
               consolidating operations during the period; and (ii) a Compliance
               Certificate signed by a Responsible Officer in the form of
               Exhibit D.

          2.   Section 6.6 entitled "Deposit/Investment Account" is hereby
               amended in its entirety to read as follows:

               Borrower will exercise their best efforts to maintain a deposit
               or investment account with Bank in a minimum amount of
               $4,000,000. Failure to maintain such account shall not constitute
               an Event a Default.

          2.   Sub-section (i) and Sub-section (ii) under Section 6.7 entitled
               "Financial Covenants" are hereby amended to read as follows:

               Borrower will maintain as of the last day of each month:

               (i)  Adjusted Quick Ratio. A ratio of Quick Assets to Current
                    Liabilities, less deferred revenue plus the long-term
                    portion of all outstanding Equipment Advances, of at least
                    1.40 to 1.00 for the month ending March 31, 2002 and each
                    month ending thereafter. Upon Borrower maintaining a Debt
                    Service Coverage Ratio of 2.00 to 1.00 for two consecutive
                    quarters, the long-term portion of all Equipment Advances
                    will be eliminated from the calculation of

<PAGE>

                    the Adjusted Quick Ratio. Concurrently, Borrower shall
                    comply with a Debt Service Coverage Ratio covenant as
                    defined below.

               (ii) Tangible Net Worth. A Tangible Net Worth of at least
                    $15,000,000 plus 50% of new equity for the month ending
                    March 31, 2002 and each month ending thereafter.

4.   CONSISTENT CHANGES. The Existing Loan Documents are hereby amended wherever
necessary to reflect the changes described above.

5.   NO DEFENSES OF BORROWER. Borrower agrees that, as of the date hereof, it
has no defenses against the obligations to pay any amounts under the
Indebtedness.

6.   PAYMENT OF LOAN FEE. Borrower shall pay Bank a fee in the amount of Five
Thousand Dollars ($5,000.00) ("Loan Fee") plus all out-of-pocket expenses.

7.   CONTINUING VALIDITY. Borrower understands and agrees that in modifying the
existing Indebtedness, Bank is relying upon Borrower's representations,
warranties, and agreements, as set forth in the Existing Loan Documents. Except
as expressly modified pursuant to this Loan Modification Agreement, the terms of
the Existing Loan Documents remain unchanged and in full force and effect.
Bank's agreement to modifications to the existing Indebtedness pursuant to this
Loan Modification Agreement in no way shall obligate Bank to make any future
modifications to the Indebtedness. Nothing in this Loan Modification Agreement
shall constitute a satisfaction of the Indebtedness. It is the intention of Bank
and Borrower to retain as liable parties all makers and endorsers of Existing
Loan Documents, unless the party is expressly released by Bank in writing.
Unless expressly released herein, no maker, endorser, or guarantor will be
released by virtue of this Loan Modification Agreement. The terms of this
paragraph apply not only to this Loan Modification Agreement, but also to all
subsequent loan modification agreements.

8.   CONDITIONS. The effectiveness of this Loan Modification Agreement is
conditioned upon payment of the Loan Fee.

     This Loan Modification Agreement is executed as of the date first written
above.

BORROWER:                               BANK:

CORILLIAN CORPORATION                   SILICON VALLEY BANK

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

<PAGE>

[SILICON VALLEY BANK LOGO]

                               SILICON VALLEY BANK

                       PRO FORMA INVOICE FOR LOAN CHARGES

BORROWER:                     CORILLIAN CORPORATION

LOAN OFFICER:                 RON C. SHERMAN

DATE:                         MARCH 12, 2002

                              LOAN FEE                           $5,000.00
                              DOCUMENTATION FEE                    $250.00

                              TOTAL FEE DUE                      $5,250.00
                              -------------                      ---------

PLEASE INDICATE THE METHOD OF PAYMENT:

{ } A CHECK FOR THE TOTAL AMOUNT IS ATTACHED.

{ } DEBIT DDA #                               FOR THE TOTAL AMOUNT.
               ------------------------------

{ } LOAN PROCEEDS

----------------------------------------
BORROWER                      (DATE)

----------------------------------------
SILICON VALLEY BANK           (DATE)
ACCOUNT OFFICER'S SIGNATURE

<PAGE>

                                   EXHIBIT D

                             COMPLIANCE CERTIFICATE

TO:            SILICON VALLEY BANK
               3003 Tasman Drive
               Santa Clara, CA 95054

FROM:          CORILLIAN CORPORATION

     The undersigned authorized officer of Corillian Corporation ("Borrower")
certifies that under the terms and conditions of the Loan and Security Agreement
between Borrower and Bank (the "Agreement"), (i) Borrower is in complete
compliance for the period ending ________ with all required covenants except as
noted below and (ii) all representations and warranties in the Agreement are
true and correct in all material respects on this date. Attached are the
required documents supporting the certification. The Officer certifies that
these are prepared in accordance with Generally Accepted Accounting Principles
(GAAP) consistently applied from one period to the next except as explained in
an accompanying letter or footnotes. The Officer acknowledges that no borrowings
may be requested at any time or date of determination that Borrower is not in
compliance with any of the terms of the Agreement, and that compliance is
determined not just at the date this certificate is delivered.

 PLEASE INDICATE COMPLIANCE STATUS BY CIRCLING YES/NO UNDER "COMPLIES" COLUMN.

<TABLE>
<CAPTION>
REPORTING COVENANT                      REQUIRED                                 COMPLIES
------------------                      --------                                 --------
<S>                                     <C>                                      <C>
Consolidated and Consolidated
financial statements & CC(1)            Monthly within 45 days                   Yes    No
Annual (Audited) financial statements   FYE within 120 days                      Yes    No
Quarterly 10Q report & CC               Quarterly within 5 days of filing        Yes    No
Annual 10K report & CC                  Annually within 5 days of filing         Yes    No
All other SEC filings than 10Q & 10K    Within 5 days of filing                  Yes    No

FINANCIAL COVENANT                      REQUIRED                       ACTUAL    COMPLIES
------------------                      --------                       ------    --------
Maintain on a Monthly Basis:

Minimum Quick Ratio (Adjusted)          1.40:1.00 for 3/31/02(2)
                                       and thereafter                   :1.00    Yes    No
                                                                   -----

Minimum Tangible Net Worth              $15,000,000 plus 50% of
                                        new equity for 3/31/02
                                        and thereafter             $             Yes    No
                                                                    ---------

Minimum Debt Service Coverage Ratio     2.00:1.00(2)                    :1.00    Yes    No
</TABLE>

----------
1. Company prepared consolidated and consolidating financial statements.
2. Once Borrower has maintained a Debt Service Coverage Ration of 2.00 to 1.00
for two consecutive quarters, the Adjusted Quick Ratio will be amended to
eliminate the long-term portion of all Equipment Advances. Concurrently, a Debt
Service Coverage Ratio covenant of 2.00 to 1.00 WILL be implemented.

Borrower only has deposit accounts located at the following institutions:

----------------------------------------------------------.

COMMENTS REGARDING EXCEPTIONS: See Attached.

<PAGE>

Sincerely,                                           BANK USE ONLY

                                        Received by:
                                                     ---------------------------
CORILLIAN CORPORATION                                     AUTHORIZED SIGNER
                                        Date:
                                              ----------------------------------
-----------------------------------
SIGNATURE                               Verified:
                                                  ------------------------------
                                                          AUTHORIZED SIGNER
-----------------------------------
TITLE                                   Date:
                                              ----------------------------------
-----------------------------------
DATE                                    Compliance Status:              Yes   No

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