Document:

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                                                                   Exhibit 10.22
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________________________________________________________________________________
                          BRANCH AUTOMATION AGREEMENT

THIS AGREEMENT is entered into the 1st day of July, 2000, by Metavante
Corporation, a Wisconsin Corporation ("Metavante") and Marshall & Ilsley
Corporation.

          For adequate consideration, the receipt and sufficiency which are
hereby acknowledged, the parties hereto agree as follows:

1.   FEES. Customer shall pay to Metavante the fees in the amounts set forth on
     attached Exhibit A for such Programs specified therein as Customer shall
     elect to receive. Nothing in this Agreement shall be construed to require
     Customer to license or install Metavante BankerInsight software. However,
     in the event Customer shall elect to license the BankerInsight software,
     the license fees set forth in Exhibit A shall apply.

     1.1. Documentation. One set of Documentation is included with each Program.
          Additional Documentation is available at Metavante's then current
          rates.

     1.2. Professional Services. Unless otherwise specified in Exhibit A, hourly
          rates for professional services are billable at Metavante's then
          current rate. For professional service hours delivered at Metavante's
          facilities, Customer shall pay only for actual hours logged to a
          specific task for Customer. For professional services delivered at
          sites other than Metavante's facilities, Customer shall pay for the
          actual hours logged at such site, with a minimum of four (4) hours per
          day. In addition, Customer shall pay for all travel time of Metavante
          personnel to, from and between Metavante's facilities and the other
          sites.

     1.3. Expenses. Customer shall reimburse Metavante for all reasonable and
          actual out-of-pocket expenses incurred by Metavante in connection with
          performance under this Agreement including supplies, travel, lodging
          and meals.

2.   LICENSE.
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     2.1. Grant. Subject to the terms and conditions of this Agreement,
          Metavante grants Customer a perpetual, non-exclusive, non-transferable
          license to use the Metavante Products solely for Customer's and
          Customer's Affiliates (collectively, "Eligible Parties") own internal
          processing and computing needs to provide banking services to the
          Eligible Parties" customers, and for no other purpose. Customer shall
          be entitled to use the Program in a productive mode only at the
          Location(s). Programs copied for archival, testing, temporary back-up
          or temporary transfer to another site (not to exceed ninety days)
          shall not be considered productive use.

     2.2. Restrictions on Use. Customer shall not use, copy, translate, print or
          display the Metavante Products, in whole or in part, other than as
          expressly authorized in this Agreement. Customer agrees not to reverse
          assemble or decompile any Program or portion thereof which Metavante
          does not provide in human-readable source code form. Customer agrees
          not to use the Metavante Products to provide service bureau, time
          sharing, or other computer services to third parties unless
          specifically authorized under this Agreement.

     2.3. Affiliates. Customer's Affiliates are named in Exhibit D. Customer may
          request to add to the list of Affiliates additional entities that are
          or become affiliated with Customer from time to time, and such
          additional entities shall be considered Affiliates upon Metavante's
          written approval. Metavante will not unreasonably withhold its
          approval, but may condition its approval on the payment by Customer of
          additional license fees and/or increased maintenance fees.

3.   TERM.
     ----

     3.1. License. The term of the license granted hereunder is perpetual upon
          Acceptance, subject to termination only in accordance with this
          Agreement.

     3.2. Maintenance. With respect to maintenance services, this Agreement
          shall be effective ninety days after Acceptance and shall continue for
          eighty-four (84) months thereafter (the "Initial Term"). After the
          Initial Term, this Agreement shall be renewed for successive one (1)
          year periods (each a "Renewal Term") unless terminated pursuant to
          Article 14 below.

4.   PROFESSIONAL SERVICES.
     ---------------------

     4.1. Training Services. Metavante shall provide Customer with training
          services, if any, specified on Exhibit B hereto (the "Training
          Services"). The training sessions shall be held at Metavante's
          facilities located in Brown Deer, Wisconsin, at dates and times
          established by Metavante. Metavante reserves the right to change the
          content of the Training Services based on Customer's particular needs,
          provided that any material changes shall require Customer's consent.
          Customer shall be responsible for all travel, lodging, and related
          costs and expenses incurred by its attendees. The number of attendees
          is specified on Exhibit B; Customer may send additional attendees to
          training classes at Metavante's then current fees for such attendees.
          Additional training classes are available at Metavante's then current
          rates.

     4.2  Customization Services. Metavante shall provide Customer with the
          customization services, if any, specified on Exhibit B hereto (the
          "Customization Services"). Metavante reserves the right to change the
          content of the analysis sessions provided as a part of the
          Customization Services based on Customer's particular needs, provided
          that any material changes shall require Customer's consent.

     4.3  Conversion Services. Metavante shall provide Customer with the
          conversion services, if any, specified on Exhibit B hereto (the
          "Conversion Services"). Metavante reserves the right to change the
          duration of on-site support provided as a part of the Conversion
          Services based on Customer's particular needs, provided that any
          material changes shall require Customer's consent. The number of
          attendees is specified on Exhibit B; Customer may send additional
          attendees to conversion planning sessions at Metavante's then current
          fees for such additional attendees.

     4.4  Implementation Services. Installation and implementation services are
          not included within the scope of this Agreement. At Customer's
          request, Metavante may provide installation and implementation
          services for the Programs pursuant to a separate agreement between
          Customer and Metavante.
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5.   ADDITIONAL SERVICES. Metavante may provide, at its sole discretion, such
     -------------------
additional products, services or resources (collectively, the "Additional
Services") as may be reasonably requested by Customer from time to time, and as
are reasonably within the general scope of the products, services or resources
which are contemplated by this Agreement to be provided by Metavante. All
requests for Additional Services by Customer shall be made in writing. Unless
otherwise agreed to in writing by Metavante, Customer shall be charged for the
Additional Services at Metavante's then current rates. In the event either party
wishes to change the scope of the products, services or resources to be provided
by Metavante under this Agreement, such change in scope shall be considered
Additional Services and the parties shall follow Metavante's then current change
control procedures for all such requests.

6.   ACCEPTANCE. Acceptance shall be deemed to occur upon delivery of the media
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containing the Programs and related Documentation to the Primary Location. In
the event Customer discovers a Defect during the Warranty Period Customer's
remedies shall be as specified in Section 8.2 below.

7.   UPGRADES. Metavante will offer all Upgrades to Customer when such Upgrades
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are offered generally to all Customers of the applicable Program. Upgrades shall
be priced at Metavante's then current rates and may require payment of
additional license and/or maintenance fees.

8.   WARRANTIES.
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     8.1. Media. Metavante warrants that, at delivery, the media in which the
          Programs, Maintenance Updates and Releases are embodied will be free
          from material defects. Customer's exclusive remedy under this warranty
          shall be to require Metavante to replace the media. Metavante shall
          have no obligation to replace any defective media which is not
          returned to Metavante within ten (10) days of receipt by Customer or
          which has failed because of accident or abuse.

     8.2. Programs. Metavante warrants the Programs against reproducible Defects
          during the Warranty Period. Metavante makes no warranty that the
          Programs will run uninterrupted or will be error free. During the
          Warranty Period, Metavante's sole obligation shall be to correct any
          Defects covered by this warranty. Metavante shall have no liability or
          obligation unless Customer notifies Metavante of any Defect and
          provides Metavante with any information which Metavante reasonably
          requests to identify, reproduce and correct the Defect. Notice shall
          be given by forwarding a description of the Defect to Metavante by
          phone, followed by a written report. Customer agrees to allow
          Metavante the opportunity to make repeated efforts over a reasonable
          period of time to reproduce and correct any reported and reproducible
          Defect.

     8.3. Infringement. Metavante shall, at its own expense, defend any action
          brought against Customer based on a claim that Customer's use of any
          Metavante Product under the terms of this Agreement infringes a
          copyright, trademark or patent under United States law and Metavante
          shall pay any final judgment awarded or settlement reached, provided
          that Customer notifies Metavante promptly in writing of the claim and
          Metavante has an opportunity to fully defend the claim and/or agrees
          to any settlement of such claim. Should Customer's use of any
          Metavante Product become, or in Metavante's opinion be likely to
          become, the subject of a claim of infringement of a copyright,
          trademark or patent under United States law, Metavante may procure for
          Customer the right to continue using the Metavante Product as
          contemplated by this Agreement, or replace or modify the Metavante
          Product to make it non-infringing, at no additional charge to
          Customer. In the event neither of the above is economically practical,
          Metavante shall refund the unamortized portion of the license fee paid
          by Customer for such Metavante Product, based upon a five year
          straight line depreciation commencing as of the date of this
          Agreement. The foregoing indemnity shall apply to Custom Programs only
          if Metavante had actual knowledge of a potential third party claim
          prior to commencing development of the Custom Program and failed to
          notify Customer of such knowledge. In addition, Metavante shall have
          no obligation for any claim based upon (a) Customer's use of other
          than the then current unaltered Release of the Program, if such
          infringement could have been avoided by use of the then current
          unaltered Release, or (b) the operation, combination or use of the
          Program with equipment, data or programs not furnished by Metavante,
          or (c) Programs modified by Customer or any third party. The foregoing
          states the entire liability of Metavante with respect to any claim of
          infringement by the Metavante Products or any part thereof.

     8.4. Harmful Code. Each party represents and warrants that it shall take
          commercially reasonable actions and precautions not to introduce any
          virus or similar code ("Virus") into the Programs. Each party
          covenants, at its own expense, to remove any Virus introduced while
          the infected Program was in its custody and control and shall
          indemnify the other party for all damages incurred as a result
          thereof. Virus shall mean code embedded in the Programs whose purpose
          is to halt effective use of the Programs on conditions triggered by an
          event or person other than an operator.

     8.5. Disclaimer. CUSTOMER ACKNOWLEDGES THAT IT HAS INDEPENDENTLY EVALUATED
          THE PROGRAMS AND THE APPLICATION OF THE PROGRAMS TO ITS NEEDS AND
          THAT, EXCEPT AS SPECIFICALLY PROVIDED HEREIN, THERE ARE NO WARRANTIES
          EXPRESSED, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF
          MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ARISING FROM A
          COURSE OF DEALING OR USAGE OF TRADE, OR OTHERWISE BY LAW.

9.   MAINTENANCE. Subject to the timely and full payment of the applicable fees,
     -----------
during the Initial Term and any Renewal Term Metavante will provide maintenance
services at the Primary Location for one productive copy of all of the Standard
Programs and for those Custom Programs which Metavante has agreed to in writing
to provide maintenance (collectively, "Maintained Programs"). Maintenance
services shall include the following:

     9.1. Programs. Metavante will service the Maintained Programs in accordance
          with the then current Documentation. Metavante will provide to
          Customer all Fixes to the Maintained Programs for any reproducible
          Defects reported to Metavante. Fixes which are applicable to all
          Customers are accumulated and provided with the next Maintenance
          Update. Metavante will offer to Customer, without additional charge,
          all Enhancements, Maintenance Updates and Releases for the Maintained
          Programs when generally available, along with applicable
          Documentation.

     9.2. Delivery. All Fixes, Enhancements, Maintenance Updates and Releases `
          provided hereunder shall be delivered on magnetic media by mail or in
          accordance with Metavante's then current procedures.

     9.3. Support. Metavante will operate a support call center during
          Metavante's normal business hours to provide routine customer support
          for Maintained Programs; provided, however, that a Qualified Employee
          shall initiate or participate in all such calls to Metavante's support
          call center. Metavante reserves the right to charge Customer at
          Metavante's then current rates for customer support services provided
          to other than a Qualified Employee. Additional technical support may
          be requested by Customer at Metavante's then current rates.

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     9.4. Installation. Metavante may from time to time issue updated Releases
          of the Programs which may correct program and logic errors, add
          operational improvements, and/or enhance the functional capabilities.
          Such Releases will replace or supersede any other Releases of the
          Programs then being used by the Customer. Customer will be responsible
          for the installation of all Releases at all Locations. Customer
          acknowledges that its failure to install the same may eventually make
          the Programs unusable or non-conforming to the Documentation and
          Customer assumes all risks of such failure to install. Failure by
          Customer to operate Programs that are current to within one earlier
          Release or three Maintenance Updates shall relieve Metavante of its
          obligation to provide further maintenance services hereunder, but
          shall not relieve Customer of its obligations to pay all maintenance
          fees due hereunder.

     9.5. Modifications. Metavante shall not be required to provide maintenance
          to any software other than an unmodified Maintained Program, if a
          party other than Metavante makes any change, modification, or
          enhancement to the Maintained Program or the operating environment
          under which the Maintained Program is executed, without the express
          written authorization of Metavante. Metavante will continue to supply
          maintenance services to the unmodified portion of the Maintained
          Programs so long as the operating environment conforms to the
          specifications set forth in the Documentation. Notwithstanding the
          foregoing, Customer shall continue to pay the full amount of
          maintenance fees hereunder. At Customer's request, Metavante may agree
          to provide maintenance for such unauthorized changes (or for Custom
          Programs which are not Maintained Programs) at Metavante's then
          current time and materials rates.

     9.6. Defects not in Programs. If, upon investigation of a reported Defect,
          Metavante determines that the problem is not attributable to a Defect
          in the Programs, Metavante will promptly notify Customer of that fact.
          Metavante will, at the request of Customer, continue working to
          correct the malfunction notwithstanding that it is not a Defect. The
          Customer agrees to pay for Metavante's efforts investigating and/or
          resolving such a malfunction at Metavante's then current rates for
          such services, plus reasonable and actual out-of-pocket expenses
          incurred by Metavante. Metavante shall use its best efforts to notify
          Customer as early as possible that the reported system error is
          suspected to be beyond Metavante's responsibility, and Customer may
          incur charges as described above.

10.  DERIVATIVE WORKS. Customer is expressly prohibited from making, or
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permitting another person or entity on Customer's behalf to make, any Derivative
Work to a Program, or any portion thereof.

11.  COOPERATION. During the Initial Term and any Renewal Term, Customer shall
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assign at least one Qualified Employee for each Program licensed hereunder, to
work with Metavante. Customer shall enroll such Qualified Employee in any
additional training class recommended by Metavante in the event Metavante
reasonably determines that the Qualified Employee requires additional or
refresher training. Customer shall make available additional appropriate
personnel as Metavante may reasonably request to answer questions and provide
information concerning Customer's Location(s), operations and requirements
related to the installation, testing and maintenance of the Programs. Customer
shall have the Primary Location ready for installation, and allow Metavante
appropriate physical access to the computer systems and databases which will be
in communication with the Programs.

12.  REGULATORY COMPLIANCE. Customer is solely responsible for monitoring and
     ---------------------
interpreting all federal and state laws, rules and regulations pertaining to
Customer's business (the "Legal Requirements"). Customer is responsible for
selecting the processing parameter settings, features and options within the
Programs that will apply to Customer and for determining that such selections
are consistent with the Legal Requirements and with the terms and conditions of
any agreements between Customer and its clients. In making such determinations,
Customer may rely upon the written descriptions of such settings, features, and
options contained in the Documentation. As part of the maintenance services
provided hereunder, Metavante shall maintain the features and functions set
forth in the Documentation for each of the Standard Programs in accordance with
all changes in federal laws and regulations applicable to such features and
functions, in a non-custom environment. The foregoing sets forth Metavante's
entire obligation with regard to compliance of the Programs with any Legal
Requirements.

13.  TERMINATION. This Agreement may be terminated only as set forth in this
     -----------
Article 13. Customer understands and agrees that except for termination by
Customer under Section 13.2, Customer's obligation to pay the license fees and
the annual maintenance fees for the Initial Term is unconditional and is due and
payable to Metavante regardless of termination of this Agreement or the license
granted herein to the other party.

     13.1.  Maintenance. Either party may terminate maintenance services at the
            end of the Initial Term or any Renewal Term by giving at least
            ninety (90) days" prior written notice of termination to the other
            party. Metavante may terminate maintenance services for any Program
            upon at least six (6) months prior written notice to Customer in the
            event Metavante ceases to provide maintenance services on such
            Program to its Customers generally.

     13.2.  Default. If either party breaches any of its material obligations
            under this Agreement and fails to cure such breach within thirty
            (30) days following receipt of a notice of default from the other
            party, the non-defaulting party may terminate this Agreement,
            including the license granted herein, effective as of a date
            specified in the notice of default.

     13.3.  Other Conditions. A party may immediately terminate this Agreement
            in its entirety, including the license granted herein, upon written
            notice to the other party in the event the other party (a) has
            failed to establish reasonable procedures for protecting such
            party's Confidential Information; (b) has intentionally disclosed
            such party's Confidential Information, without prior consent of the
            disclosing party; (c) makes a general assignment for the benefit of
            creditors; applies for the appointment of a trustee, liquidator or
            receiver for its business or property, or one is assigned
            involuntarily; (d) is subject to a proceeding for bankruptcy,
            receivership, insolvency, dissolution or liquidation; or (e) is
            adjudicated insolvent or bankrupt.

     13.4.  Continuing Obligations. Termination of this Agreement shall not
            relieve either party from any obligations accrued through the date
            of termination. In addition, the terms and conditions set forth in
            this Agreement which by their nature would continue beyond
            termination of this Agreement, including the provision with respect
            to Confidentiality, shall survive the termination of this Agreement.
            Within thirty (30) days of termination of the license granted
            herein, Customer will either certify as to the destruction of the
            Metavante Products, including all copies thereof, or will return to
            Metavante the Metavante Products and all copies thereof.

14.  RIGHTS AND REMEDIES.
     -------------------

     14.1.  Customer's Remedies. Metavante and Customer acknowledge that
            Customer may be entitled to damages or rescission arising from a
            failure by Metavante to perform its obligations and both parties
            agree that in all such circumstances Customer's remedies and
            Metavante's liabilities will be limited to those set forth in this
            Agreement. These limitations will survive termination of this
            Agreement notwithstanding Customer's election to

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            rescind or otherwise be discharged from this Agreement. For a breach
            of a material obligation of Metavante under this Agreement,
            Metavante's sole obligation shall be to remedy the breach. In the
            event that Metavante fails to remedy the breach within thirty (30)
            days after receipt of notice of the breach, Customer may recover
            damages from Metavante, subject to the limitations set forth in this
            Agreement.

     14.2.  Limitation of Liability. Metavante'S TOTAL LIABILITY UNDER THIS
            AGREEMENT SHALL BE LIMITED TO THE AMOUNT OF THE LICENSE FEE(S) PAID
            BY CUSTOMER TO Metavante UNDER THIS AGREEMENT. UNDER NO
            CIRCUMSTANCES SHALL Metavante BE LIABLE FOR SPECIAL, INCIDENTAL,
            CONSEQUENTIAL OR TORT DAMAGES, INCLUDING LOSS OF PROFITS OR
            GOODWILL, WHETHER OR NOT Metavante HAS BEEN ADVISED OR IS AWARE OF
            THE POSSIBILITY OF SUCH DAMAGES.

     14.3.  Third Party Claims. Customer agrees to defend, indemnify and hold
            Metavante harmless from any damages, costs, liabilities, expenses
            (including attorneys" fees), awards and judgments arising out of any
            claim or action relating to Customer's use of the Metavante
            Products; provided Metavante promptly notifies Customer of any such
            claims and Customer is provided an opportunity to fully participate
            in the defense or settlement of any such claims. Such
            indemnification shall not apply to personal injury or property
            damage to the extent caused by the negligence of Metavante or to
            Metavante's obligations with respect to its warranty against
            infringement. Customer agrees that Metavante shall have no duty of
            indemnity or contribution for a third party claim arising from the
            use of the Metavante Products or Metavante's performance of any
            services hereunder.

15.  CONFIDENTIALITY OBLIGATIONS. Each party agrees that (a) during the course
     ---------------------------
of its performance of this Agreement it may learn certain information concerning
the other party's Confidential Information; (b) the Confidential Information of
the other shall remain the property of the other, and that such Confidential
Information is made available on a limited use basis solely in connection with
this Agreement; (c) it will advise its employees to whom the Confidential
Information is disclosed of their obligations under this Agreement; (d) it will
not sell, disclose or otherwise make available any such Confidential
Information, in whole or in part, to any third party without the prior written
consent of the other party; and (e) it will utilize the same degree of care it
utilizes for its own Confidential Information, but in no case less than a
reasonable degree of care, to prevent disclosure of the other party's
Confidential Information to any unauthorized person or entity. Upon termination
of this Agreement all copies of Confidential Information shall be returned. Any
copies of the Programs made by or on behalf of Customer shall contain the labels
and notices specified on Exhibit C hereto. The restrictions under this section
shall not apply to information which: (i) is or becomes publicly known through
no wrongful act of the party receiving the Confidential Information; or (ii)
becomes known to a party without confidential or proprietary restriction from a
source other than the disclosing party; or (iii) a party can show by written
records that such information or data was independently developed or was in its
possession prior to disclosure by the other party. In the event a party is
legally compelled to disclose the Confidential Information it will be entitled
to do so provided it gives the other party prompt notice and assists the other
party, at the other party's expense, in pursuing a protective order.

16.  MISCELLANEOUS.
     -------------

     16.1.  Notices. Except as otherwise specified in the Agreement, all
            notices, requests, approvals, consents and other communications
            required or permitted under this Agreement shall be in writing and
            shall be personally delivered or sent by (i) first class U.S. mail,
            registered or certified, return receipt requested, postage pre-paid;
            or (ii) nationally recognized overnight courier service to the
            address specified on the signature page below. Notices shall be
            deemed given on the day actually received by the party to whom the
            notice is addressed.

     16.2.  Assignment. This Agreement may not be assigned by either party, by
            operation of law or otherwise, without the prior written consent of
            the other party, which consent shall not be unreasonably withheld;
            provided that Metavante may freely assign this Agreement (a) in
            connection with a merger, corporate reorganization or sale of all or
            substantially all of its assets, stock or securities, or (b) to any
            entity which is a successor to the assets or the business of
            Metavante Corporation. Except as expressly set forth in this Section
            16.2, any transfer of this Agreement by liquidation or otherwise by
            operation of law or pursuant to a Change in Control of Customer
            shall constitute an assignment for the purpose of this Agreement and
            shall require the written consent of the other party. Any changes in
            use of the license granted herein may, in Metavante's sole
            discretion, result in an adjustment in the license and/or
            maintenance fees due hereunder.

     16.3.  Force Majeure. Notwithstanding any provision contained in this
            Agreement, neither party shall be liable to the other to the extent
            fulfillment or performance if any terms or provisions of this
            Agreement is delayed or prevented by any causes not within its
            control, and which by the exercise of reasonable diligence it is
            unable to prevent. This clause shall not apply to the payment of any
            sums due under this Agreement by either party to the other.

     16.4.  Waiver. No delay or omission by either party to exercise any right
            or power it has under this Agreement shall impair or be construed as
            a waiver of such right or power. A waiver by any party of any breach
            or covenant shall not be construed to be a waiver of any succeeding
            breach or any other covenant. All waivers must be in writing and
            signed by the party waiving its rights.

     16.5.  Governing Law. This Agreement shall be governed by the internal laws
            of the State of Wisconsin, without regard to its conflicts of law
            provisions.

     16.6.  Export Restriction. Regardless of any disclosure made by Customer to
            Metavante of an ultimate destination of any Metavante Products,
            Customer will not export and/or re-export either directly or
            indirectly any Metavante Products without first obtaining, at the
            Customer's expense, a license from the United States government, as
            required.

     16.7.  Restricted Rights. The Metavante Products are provided with
            RESTRICTED RIGHTS. Use, duplication, or disclosure by the Government
            is subject to restrictions as set forth in subparagraph (c) 1)(ii)
            of the Rights in Technical Data and Computer Software clause at
            DFARS 252.227-7013 or subparagraphs (c)(1) and (2) of the Commercial
            Computer Software-Restricted Rights at 48 CFR 52.227-19, as
            applicable. Manufacturer is Metavante Corporation, 4900 West Brown
            Deer Road, Brown Deer, WI 53223-0528.

     16.8.  Taxes. Any taxes based upon this Agreement or the services or
            products provided, except upon net income of Metavante, shall be
            paid by Customer. Metavante shall be entitled to receive 100% of
            payments due to it hereunder. In the event any taxing authority
            withholds or intercepts any amount due to Metavante hereunder,
            Customer shall pay to Metavante on demand the full amount of such
            withholding or intercepted payment.

     16.9.  Payments. Unless specified otherwise, all amounts are due when the
            service has been completed or the Metavante Product has been
            delivered. All Metavante Products are shipped FOB Metavante's
            facility in Brown Deer, Wisconsin. Annual or monthly fees will be
            invoiced and paid in advance. Amounts outstanding after the due date
            are subject to an interest charge to date of payment of the lesser
            of 18% per annum or the

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            highest legally allowable rate. Metavante may adjust its maintenance
            fees annually, effective January 1, upon at least sixty (60) days
            prior written notice; provided that no such increase, except with
            respect to rates for professional services, shall exceed 10%.

     16.10. Other Matters. Neither party shall solicit the employees of the
            other party during the term of this Agreement, for any reason. If
            any provision of the Agreement shall be held to be invalid, illegal
            or unenforceable, the validity, legality or enforceability of the
            remainder shall not in any way be affected. Each party shall upon
            request provide such further assurances and undertake such further
            acts or things as may be reasonably necessary or appropriate to
            effectuate the terms of this Agreement. Neither party shall be
            deemed the agent, partner, or co-venturer of the other by reason of
            this Agreement or Customer's use of the Metavante Products. Unless
            explicitly stated otherwise, for any event which calls for either
            party to exercise its judgment, give its consent or perform an
            obligation, a standard of reasonableness shall apply. Both parties
            are deemed to have contributed equally to the drafting of this
            Agreement.

     16.11. Entire Agreement. All exhibits and schedules attached hereto are
            incorporated herein by reference. This Agreement, together with the
            exhibits and schedules hereto, constitutes the entire agreement
            between Metavante and the Customer with respect to the subject
            matter hereof. There are no restrictions, promises, warranties,
            covenants or undertakings other than those expressly set forth
            herein and therein. This Agreement supersedes all prior
            negotiations, agreements, and undertakings between the parties with
            respect to such matter. Any modifications or additions to this
            Agreement, the Metavante Products, or services requested by Customer
            and agreed to by Metavante will be documented in writing signed by
            both parties and will be governed by this Agreement, unless
            otherwise specifically agreed.

            IN WITNESS WHEREOF, the parties have caused this Agreement to be
executed in their names as of the date first above written.

<TABLE>
<S>                                                               <C>
            METAVANTE CORPORATION                                 MARSHALL & ILSLEY CORPORATION
            4900 W. Brown Deer Road                               770 North Water Street
            Brown Deer, WI  53223                                 Milwaukee, WI  53202

            By:    _____________________________________          By:_____________________________________
            Name:  Joseph L. Delgadillo                           Name:  James B. Wigdale
            Title: President and Chief Executive Officer          Title: Chairman and CEO
</TABLE>

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<PAGE>

                               Index to Exhibits

Exhibit A      Metavante Fees, Hourly Rates and License Fees

Exhibit B      Training Services and Customization Services

Exhibit C      Necessary Labels and Notices for Copied Programs

Exhibit D      Customer's Affiliates

The above exhibits have been omitted. These exhibits will be furnished
supplementally to the Securities and Exchange Commission upon request.<PAGE>

                                                                   Exhibit 10.23
                                                                   -------------

             INDEPENDENT SALES ORGANIZATION AND SERVICES AGREEMENT

     This Agreement (the "Agreement") effective this ___ day of , 2000 (the
"Effective Date"), is entered into by and between Metavante Corporation, a
Wisconsin corporation located at 4900 West Brown Deer , Brown Deer, Wisconsin
53223-0528 ("Metavante") and Marshall & Ilsley Corporation, a Wisconsin
corporation located at 770 North Water Street, Milwaukee, Wisconsin 53202, for
and on behalf of itself and its bank subsidiaries (collectively, "M&I").

     NOW THEREFORE, for adequate consideration, the receipt and sufficiency of
which is hereby acknowledged, the parties agree as follows:

1.   Definitions.
     -----------

     a.   Acquirer.  Acquirer means a member of an Association which, under the
          Rules of the Association, is responsible for a merchant which accepts
          Bank Cards in payment for goods and/or services.

     b.   Affiliate.  Affiliate means a financial institution controlled by M&I.

     c.   Agent.  Agent means a financial institution which is eligible to
          participate in the Associations as a Sponsored Member for Visa or an
          Affiliate Member for MasterCard and which receives Card Processing
          Services from Metavante.

     d.   Agent Transaction.  Agent Transaction means a purchase by a cardholder
          of goods or services using a Bank Card issued by an Agent for which
          the Bank is the Sponsor.

     e.   Association.  Association shall mean MasterCard International, Inc. or
          VISA, U.S.A., Inc.

     f.   Association Fees.  Association Fees means interchange fees, other
          fees, and charges assessed upon a Merchant or Merchant Transactions by
          the Associations under the Rules.

     g.   Bank.  Bank shall mean the Affiliate which serves as the Acquirer for
          Merchants and the Sponsor for Agents hereunder.

     h.   Bank Card. Bank Card shall mean a card bearing the mark(s) or
          symbol(s) of VISA U.S.A., Inc., MasterCard International,
          Incorporated, American Express, Inc., Discover, or other card which
          may be used by a cardholder to authorize and charge purchases to an
          account either in-person upon the cardholder's presentment of the card
          and signing of a transaction record, or by mail order or telephone
          order transaction performed in accordance with applicable card
          association rules. The term "Bank Card" includes debit cards and
          credit cards.

     i.   Business Day. Business Day shall mean a day that is not a nationally
          recognized bank holiday and on which a branch of the Federal Reserve
          which is used for settlement is open for business.

     j.   Card Processing Services. Bank Card issuance and account processing of
          the type provided by Metavante to Agents.

     k.   Card Processing Agreement.  Card Processing Agreement shall mean that
          agreement between Metavante and an Agent for Card Processing Services.

     l.   Cash Disbursement.  Cash Disbursement shall mean a use of a Bank Card
          to obtain cash from a financial institution in accordance with the
          Rules.

     m.   Chargeback.  Chargeback means a Merchant Transaction for which payment
          to a Merchant has been refused or reversed in accordance with the
          Rules.

     n.   Merchant. Merchant shall mean that entity or individual which executes
          a Merchant Agreement with Metavante.

     o.   Merchant Agreement.  Merchant Agreement shall mean that agreement
          prepared by Metavante for providing Merchant Services which is
          executed by a Merchant and by Metavante for Bank as the Acquirer,
          prior to or after the date of this Agreement.

     p.   Merchant Loss.   Merchant Loss means any amounts due and payable by a
          Merchant under the Rules which cannot be collected from the applicable
          Merchant.

     q.   Merchant Services.  Merchant Services shall mean Bank Card transaction
          authorization and processing services and related  services of the
          type provided by Metavante to Merchants and may include  draft
          capture, settlement, help desk support, training, conversion reporting
          and Chargeback processing.

     r.   Merchant Transaction. Merchant Transaction  means the purchase by a
          cardholder of goods or services from a Merchant by use of a Bank Card.

     s.   Prospect.  Prospect means any merchant or retailer which is a
          depository customer of an M&I Affiliate and which is referred to
          Metavante by the M&I Affiliate as a potential customer for Merchant
          Services.
<PAGE>

     t.   Referred Merchant.  Referred Merchant means a Prospect which executes
          a Merchant Agreement with Metavante following the Effective Date.

     u.   Rules.  Rules means the rules and regulations issued by the
          Associations.

     v.   Sponsor.  Sponsor shall mean a principal member of an Association
          which sponsors another financial institution as a Sponsored Member for
          Visa or an Affiliate Member for MasterCard.

2.   Principal Member.  Initially, the Bank shall be M&I Bank of Southern
     ----------------
     Wisconsin. However, M&I and Metavante acknowledge and agree that it is the
     intention of M&I to merge or consolidate the charter for M&I Bank of
     Southern Wisconsin into another Affiliate's charter during the term of this
     Agreement. M&I shall notify Metavante at least ninety (90) days in advance
     of such event, and shall provide all assistance necessary to transfer all
     of the Bank's responsibilities hereunder to M&I Bank Milwaukee or such
     other Affiliate as is acceptable to Metavante on or prior to such event.
     The applicable Bank shall have and maintain status as a principal member of
     the Associations and shall be a party to all Merchant Agreements with
     Merchants as the Acquirer and shall be the Sponsor for Agents subject to
     the terms of this Agreement.

3.   Merchant Services.
     ------------------

     a.   Metavante Responsibilities.  Metavante shall perform the following
          --------------------------
          responsibilities:

          (i)   Register with, obtain approvals from, and file such forms with
                the Associations as are required under the Rules in order to
                provide the Merchant Services hereunder as an "independent sales
                organization" (or the equivalent) for the Bank as Acquirer;

          (ii)  Follow its normal and customary sales procedures to promote the
                Merchant Services in accordance with the Rules;

          (iii) Follow its normal and customary underwriting and approval
                processes to evaluate applicants for Merchant Services in
                accordance with the Rules. Approval or rejection of any such
                applicant shall be subject to Metavante's sole discretion,
                provided that M&I or the Bank shall have the right to
                periodically review Metavante's underwriting criteria upon
                reasonable notice. Metavante shall provide M&I with such
                periodic reports as are mutually determined by Metavante and M&I
                regarding Merchant experience and Merchant risk.

          (iv)  Comply with all terms of the Rules of the Associations and the
                Merchant Agreement as are applicable to Metavante as an
                independent sales organization (or equivalent) and the provider
                of the Merchant Services for Merchants.

     b.   M&I Responsibilities.   M&I shall be responsible for the following:
          --------------------

          (i)   M&I shall provide all reasonable assistance as is requested by
                Metavante to obtain the approvals and/or file the registrations
                required by the Associations in order for Metavante to provide
                the Merchant Services hereunder as an "independent sales
                organization" (or the equivalent) for the Bank as Acquirer.

          (ii)  The Bank shall act as the Acquirer for Merchant Agreements
                executed by Metavante. M&I hereby authorizes Metavante to enter
                into Merchant Agreements under the name of the Bank and appoints
                and authorizes Metavante, acting through any of its employees or
                officers, to act as the Bank's agent for purposes of signing and
                executing any Merchant Agreement for the Bank as the Acquirer
                under the Merchant Agreement, and filing forms or communicating
                with the Associations with respect to issues relating to
                Merchants.

          (iii) M&I shall maintain the merchant files and Bank Identification
                Numbers (BINs) with the Associations as are listed on Exhibit A
                hereto, and such additional merchant files and BINs as may be
                requested by Metavante from time to time, for Metavante to use
                for the purpose of providing the Merchant Services.

     c.   Merchant Transaction and Fee Settlement.  Metavante shall be
          ---------------------------------------
          responsible for all obligations of the Bank as the Acquirer with
          respect to Merchant Transactions and Association Fees under the Rules,
          including any and all fees, fines, and charges assessed upon
          Merchants. Metavante may establish a clearing account in the name of
          the Bank (the "Settlement Account") and instruct the Associations to
          remit payments for Merchant Transactions directly to the Settlement
          Account. M&I hereby assigns to Metavante all right, title, and
          interest in and to any and all funds held in the Settlement Account
          and any and all payments or proceeds paid or payable to the Merchants
          relating to Merchant Transactions. Metavante is authorized to, and
          shall be responsible for remitting to Merchants, all funds held in the
          Settlement Account and/or received in settlement of Merchant
          Transactions. Metavante shall be responsible for collecting from
          Merchants all fees, fines and charges relating to Merchant
          Transactions and/or the Merchant's acceptance of Bank Cards in payment
          for goods or services.

     d.   Merchant Risk.  All enforcement responsibility and risk associated
          -------------
          with Merchant Agreements, and all Merchant Losses and Chargebacks
          incurred by Metavante for Merchants, shall be borne by Metavante.

     e.   Merchant Agreements.  Metavante shall contract with Merchants to
          --------------------
          provide Merchant Services using such form of Merchant Agreement as has
          been approved by the Bank, provided that Metavante shall have the
          exclusive authority to establish fees and charges applicable to each
          Merchant. Metavante shall be the sole owner of all economic rights and
          benefits of, under, and relating to Merchant Agreements, including the
          right to sell, assign, transfer, or encumber

                                       2
<PAGE>

          such rights without the approval or consent of the Bank or M&I to any
          member of the Associations or other party eligible to assume such
          rights under the Rules.

     f.   Merchant Referral. In accordance with Metavante's procedures and
          -----------------
          instructions for referrals, M&I may locate, investigate, and refer
          Prospects to Metavante, and provide marketing assistance to Metavante
          for the purpose of retaining and signing new Merchants, provided that
          M&I shall make no representations or warranties regarding Metavante's
          Merchant Services.  With respect to any such Prospects, M&I shall

          (i)   provide Metavante with such information and assistance as
                Metavante may request and M&I may legally provide in connection
                with Metavante's review of any Prospect's application for
                Merchant Services, and/or Metavante's administration or
                collection efforts regarding any Merchant referred by M&I; and

          (ii)  establish a settlement account for each Referred Merchant for
                the deposit of paper Merchant Transaction records and/or the
                electronic settlement of electronic Merchant Transactions, and,
                if applicable, remit paper Merchant Transaction records to
                Metavante in accordance with Metavante's procedures.

          Metavante shall provide Bank with sales training to enable Bank to
          fulfill its marketing assistance obligations hereunder. Additional
          training shall be available from Metavante at Metavante's then current
          rates.

          Metavante shall schedule Merchant training for each Merchant following
          completion of processing and approval of the applicable Merchant's
          application for Merchant Services. Such training shall take place via
          teleconference. Additional training shall be available from Metavante
          at Metavante's then current rates.

4.   Agent Services.
     --------------

     a.   Sponsoring Member. Metavante may designate the Bank as the Sponsor to
          register an Agent as a Sponsored Member for Visa and an Affiliate
          Member for MasterCard. Metavante shall be responsible, for and in the
          name of the Bank, to perform all initial and periodic registration and
          reporting requirements imposed upon the Bank as the Sponsor of the
          Agent under the Rules and shall process all transactions for the Agent
          using a Bank Identification Number (BIN) established and maintained
          with the Associations by Metavante in the name of the Bank. M&I shall
          provide all reasonable assistance as is requested by Metavante to
          obtain the approvals and/or file the registrations required by the
          Associations in order for the Agent to become a Sponsored Member of
          Visa or an Affiliate Member of MasterCard and for Metavante to perform
          the foregoing responsibilities. M&I authorizes Metavante to execute
          Association forms and enter into agreements with Agents for and in the
          name of the Bank for the limited purpose of registering the Agent with
          the Associations, establishing BINs, and complying with the Rules
          related thereto. M&I shall maintain the Bank Identification Numbers
          (BINs) with the Associations as are listed on Exhibit A hereto, and
          such additional BINs as may be requested by Metavante from time to
          time, for Metavante to use for the Agents.

     b.   Permitted Agent Activities.  Each Agent shall be permitted to engage
          in any or all of the following activities:

          (i)   Solicitation and/or issuance of credit cards;

          (ii)  Issuance of debit cards;

          (iii) Acquiring;

          (iv)  Cash Disbursements.

     c.   Payable Through Bank.  M&I Mayville Bank, or such other Affiliate as
          --------------------
          is designated by M&I, shall serve as the "payable through" bank for
          payable through drafts drawn on Agents by their cardholders. M&I
          Mayville Bank shall handle all such drafts presented to it in
          accordance with procedures required for making similar Cash
          Disbursements under the applicable Rules.

     d.   Responsibility.  Metavante shall be responsible to the Associations
          ---------------
          for all obligations of the Bank as the Sponsor with respect to Agents
          under the Rules, including any and all fees assessed to register an
          Agent and all fees, fines, and charges assessed upon the Agents by the
          Associations and for which the Bank is responsible under the Rules,
          unless and except to the extent that such fees, fines, or charges are
          assessed due to the Bank's failure to perform in accordance with the
          terms hereof, or the Bank's negligence or willful misconduct.

     5.   Compensation.
          ------------

     Throughout the term of this Agreement, Metavante shall pay compensation to
     M&I as follows:

     a.   In consideration of the Merchant referral services provided by M&I
          hereunder, Metavante shall pay M&I a referral fee in the amount of
          fifty dollars ($50.00) for each new Merchant Agreement entered into by
          and between Metavante and a Referred Merchant following the Effective
          Date.

     b.   In consideration of the Acquirer services provided by M&I hereunder,
          Metavante shall monthly pay M&I an amount equal to one cent ($0.01)
          per Merchant Transaction processed by Metavante for Merchants during
          the preceding month.

     c.   In consideration for having the Bank serve as Sponsor for Agents on
          behalf of Metavante hereunder, Metavante shall monthly pay M&I an
          amount equal to two thousand dollars ($2000.00) plus one cent ($0.01)
          per Agent Transaction

                                       3
<PAGE>

          processed by Metavante for Agents during the preceding month. M&I and
          Bank transfer and assign to Metavante all right and interest to any
          and all other fees or economic benefits payable from the Associations
          or otherwise with respect to Agent Transactions or Agents' Bank Cards.

6.   Term.
     ----

     a.   Initial Term. This Agreement will continue for five (5) years
          following the Effective Date (the "Initial Term").

     b.   Renewal Terms. After the Initial Term, this Agreement shall be renewed
          for successive twelve (12) month periods unless either party
          terminates the Agreement as provided for in this Agreement.

7.   Termination of Agreement.  This Agreement may be terminated by M&I or by
     ------------------------
     Metavante only as set forth in this Article.

     a.   End of Term. This Agreement may be terminated by either party by
          giving no less than one hundred eighty (180) days prior written notice
          of termination effective at the end of the Initial Term or any renewal
          term.

     b.   Default. A party may terminate this Agreement in its entirety
          effective thirty (30) days after written notice is given upon the
          occurrence of a material default by the other, provided that such
          default continues for more than thirty (30) days after receipt of
          notice of such default.

     c.   Other Conditions. A party may terminate this Agreement immediately
          upon written notice in the event the other party:

          (i)   has failed to establish reasonable procedures for protecting the
                other party's Confidential Information (as defined herein) or
                has intentionally disclosed the other party's Confidential
                Information, without permission;

          (ii)  makes a general assignment for the benefit of creditors;

          (iii) applies for the appointment of a trustee, liquidator or receiver
                for its business or property, or one is assigned involuntarily;

          (iv)  is subject to a proceeding for bankruptcy, receivership,
                insolvency, dissolution or liquidation; or

          (v)   is adjudicated insolvent or bankrupt.

     d.   Continuing Obligations. Termination by either party shall not relieve
          either party from any obligation accrued through the date of
          termination. In addition, the terms and conditions set forth in this
          Agreement which by their nature would continue beyond termination of
          this Agreement, including by way of illustration only and not
          limitation, the provision with respect to Confidential Information,
          shall survive the termination of this Agreement. M&I understands and
          agrees that Metavante's obligation to pay compensation to M&I under
          Section 6 shall terminate on the termination date, except that
          Metavante shall pay M&I the referral fee described in Section 6(a) for
          any Prospect referred by M&I prior to the termination date which
          executes a Merchant Agreement within thirty (30) days following the
          termination date.

8.   Confidentiality Obligations. "Confidential Information" means Metavante's
     ---------------------------
     proprietary or confidential information which is designated in writing as
     such or that by nature of the circumstances surrounding the disclosure
     ought in good faith be treated as proprietary or confidential. M&I agrees
     (a) that during the course of its performance of this Agreement it may
     learn certain information concerning the Metavante's Confidential
     Information; (b) that the Confidential Information of Metavante shall
     remain the property of Metavante, and that such Confidential Information is
     made available on a limited use basis solely in connection with this
     Agreement; (c) that it will advise its employees, representatives and sub-
     contractors to whom the Confidential Information is disclosed of their
     obligations under this Agreement; (d) that it will not sell, disclose or
     otherwise make available any such Confidential Information, in whole or in
     part to any other third party without the prior written consent of
     Metavante; and (e) that it will utilize the same degree of care it utilizes
     for its own Confidential Information, but in no case less than a reasonable
     degree of care, to prevent disclosure of such Confidential Information to
     any unauthorized person or entity. Upon termination of this Agreement all
     copies of Confidential Information shall be returned or destroyed. The
     restrictions under this section shall not apply to information which: (i)
     is or becomes publicly known through no wrongful act of M&I; or (ii)
     becomes known to M&I without confidential or proprietary restriction from a
     source other than Metavante; or (iii) M&I can show by written records that
     such information or data was in its possession prior to disclosure by
     Metavante. In the event M&I is legally compelled to disclose the
     Confidential Information, it will be entitled to do so provided it gives
     Metavante prompt notice and assists Metavante, at Metavante's expense, in
     obtaining any protective order.

9.   NO WARRANTY. NEITHER PARTY MAKES ANY REPRESENTATION OR WARRANTY HEREUNDER.
     -----------
     THERE ARE NO WARRANTIES EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY
     IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
     ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE, OR OTHERWISE BY LAW.

10.  Indemnification.  Each party agrees to indemnify and hold the other party
     ------------------
     harmless for losses, claims, damages, costs, and expenses (including
     reasonable attorneys' fees) arising out of the indemnifying party's breach
     of its obligations hereunder. Metavante further agrees to indemnify and
     hold harmless Bank from any losses, claims, damages, costs, and expenses
     (including reasonable attorneys' fees) arising under the Rules, any
     Merchant Agreement, and/or any Card Processing Agreement, unless and except
     caused by M&I's breach hereof, the Bank's failure to perform in accordance
     herewith, or M&I's or the Bank's negligence or willful misconduct. M&I
     further agrees to indemnify and hold harmless Metavante from any losses,
     claims, damages, costs, and expenses (including reasonable attorneys' fees)
     arising under the Rules, any Merchant Agreement, and/or any Card Processing
     Agreement, to the extent caused by the Bank's failure to perform in
     accordance herewith,or the Bank's negligence or willful misconduct.

                                       4
<PAGE>

11.  Exclusion of Certain Damages. UNDER NO CIRCUMSTANCES SHALL EITHER PARTY BE
     ----------------------------
     LIABLE FOR SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES,
     INCLUDING, WITHOUT LIMITATION, GOODWILL OR LOSS OF PROFITS WHETHER OR NOT
     THE PARTY HAS BEEN ADVISED OR IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES
     AND REGARDLESS OF THE NATURE OF THE CLAIM OR CAUSE OF ACTION (CONTRACT OR
     TORT), INCLUDING NEGLIGENCE.

12.  Assignment. This Agreement may be assigned by either party, provided that
     ----------
     the assignor shall remain responsible for all of its obligations hereunder
     unless otherwise consented to in writing by the other party, which consent
     shall not be unreasonably withheld. This Agreement shall be enforceable by
     and against the parties and their respective successors and assigns.

13.  Severability.  If any provision of the Agreement shall be held to be
     ------------
     invalid, illegal or unenforceable, the validity, legality or enforceability
     of the remainder shall not in any way be affected.

14.  Further Assurances.  Each party shall upon request provide such further
     ------------------
     assurances and undertake such further acts or things as may be reasonably
     necessary or appropriate to effectuate the terms of this Agreement.

15.  Force Majeure.  Neither party shall be considered in default in performance
     -------------
     of its obligations should their execution be delayed by any act or cause
     which is beyond the reasonable control of the party.

16.  Relationship of Parties.  Neither party shall be deemed the agent, partner,
     -----------------------
     or co-venturer of the other by reason of this Agreement. The relationship
     of the parties hereunder shall be that of independent contractors. This
     Agreement is a contract for services to be provided by M&I for Metavante;
     this Agreement shall not be construed as a contract for Metavante to
     provide services for M&I. Nothing in this Agreement shall be deemed to
     create any rights or interest for M&I in any Merchant Agreements between
     Metavante and its Merchants. Nothing in this Agreement shall be deemed to
     create an exclusive relationship between the parties with respect to the
     subject matter hereof.

17.  Waiver.  The failure of either party to enforce at any time any provision
     ------
     of this Agreement or to exercise any right herein provided, shall not in
     any way be construed to be a waiver of such provision or right, and shall
     not in any way affect the validity of this Agreement or any part hereof, or
     limit, prevent or impair the right of either party to subsequently enforce
     such provision or exercise such right.

18.  Governing Law.  This Agreement shall be governed by the laws of the State
     -------------
     of Wisconsin, without regard to conflicts of law provisions.

19.  Construction.  Unless explicitly stated otherwise, for any event which
     ------------
     calls for either party to exercise its judgment, give its consent or
     perform an obligation, a standard of reasonableness shall apply. Both
     parties are deemed to have contributed equally to the drafting of this
     Agreement and no provision of the Agreement shall be construed against
     either party based upon the fact that such party is the primary drafter
     thereof.

20.  Changes.  Any modifications or additions to this Agreement will be
     -------
     documented in writing signed by both parties and will be governed by this
     Agreement, unless otherwise specifically agreed.

21.  Notices.  Except as otherwise specified in the Agreement, all notices,
     --------
     requests, approvals, consents and other communications required or
     permitted under this Agreement shall be in writing and shall be personally
     delivered or sent by (i) first class U.S. mail, registered or certified,
     return receipt requested, postage pre-paid; or (ii) U.S. express mail, or
     other, similar overnight courier service to the address specified below.
     Notices shall be deemed given on the day actually received by the party to
     whom the notice is addressed.

     If to M&I:
                                         ______________________________________
                                         ______________________________________
                                         ______________________________________
     If to Metavante:                    Metavante Corporation

                                         4900 West Brown Deer Road

                                         Brown Deer, Wisconsin 53223

                                         Attn:  Frank D'Angelo

     With a copy to:                     Norrie J. Daroga, Esq., General Counsel

22.  Entire Agreement.  This Agreement and the exhibits attached hereto
     ----------------
     constitute the entire agreement of the parties with respect to the subject
     matter hereof and supersede all existing agreements and all other
     communications, written or oral. This Agreement may not be released,
     discharged or modified in any manner except in writing signed by both
     parties. No purchase order or other form of the M&I will modify, supersede,
     add to or in any way vary the terms of this Agreement. Any acknowledgment
     by an employee of Metavante of such a M&I form shall be solely for
     informational purposes.

23.  Counterparts.  This Agreement may be executed in counterparts, and each
     ------------
     duly executed counterpart shall be of the same validity, force and effect
     as the original.

24.  Venue and Jurisdiction.  In the event of litigation to enforce the terms of
     ----------------------
     this Agreement, the parties consent to venue in an exclusive jurisdiction
     of the courts of Milwaukee County, Wisconsin and the Federal District Court
     for the Eastern District of Wisconsin. The parties further consent to the
     jurisdiction of any federal or state court located within a district which

                                       5
<PAGE>

     encompasses assets of a party against which a judgment has been rendered,
     either through arbitration or litigation, for the enforcement of such
     judgment or award against such party or the assets of such party.

25.  Waiver of Jury Trial.  Each of M&I and Metavante hereby knowingly,
     --------------------
     voluntarily and intentionally waives any and all rights it may have to a
     trial by jury in respect of any litigation based on, or arising out of,
     under, or in connection with, this Agreement or any course of conduct,
     course of dealing, statements (whether verbal or written), or actions of
     Metavante or M&I, regardless of the nature of the claim or form of action,
     whether contract or tort, including negligence.

     IN WITNESS WHEREOF, the undersigned agree to the foregoing as of the
     Effective Date.

Metavante Corporation                 Marshall & Ilsley Corporation

By:    ____________________________   By:   ____________________________
Name:  ____________________________   Name:
Title: ____________________________   Title:

                                       6
<PAGE>

                               Index to Exhibits

Exhibit A      Merchant Files and Bank Identification Numbers

The above exhibit has been omitted. This exhibit will be furnished
supplementally to the Securities and Exchange Commission upon request.

                                       7

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