Document:

<PAGE>
                                                                    Exhibit 10.3

                        ADMINISTRATIVE SERVICES AGREEMENT
                                 BY AND BETWEEN

                                  ZENGINE, INC.

                                       AND

                        MIAMI COMPUTER SUPPLY CORPORATION

                          DATED AS OF: OCTOBER 1, 1999

<PAGE>

<TABLE>
<CAPTION>

                               TABLE OF CONTENTS
                                                                               PAGE

Recitals

<S>        <C>                                                                  <C>
Section 1.    Services ..........................................................1

Section 2.      Compensation ....................................................2

Section 3.      Standards .......................................................3

Section 4.      Term ............................................................4

Section 5.      Records and Accounts ............................................4

Section 6.      Directors and Officers of Zengine and MCSC ......................5

Section 7.      Liability; Indemnification ......................................5

Section 8.      Other Agreements.................................................5

Section 9.      Confidentiality .................................................6

Section 10.     Notice ..........................................................6

Section 11.     Termination .....................................................6

Section 12.     Effect of Termination ...........................................7

Section 13.     Miscellaneous ...................................................7

Signatures      ................................................................11

Schedule I -- General Corporate Services........................................12

</TABLE>

<PAGE>

                                                                           FINAL
                                                                         2/29/00

                        ADMINISTRATIVE SERVICES AGREEMENT

         This ADMINISTRATIVE SERVICES AGREEMENT is effective as of October 1,
1999 (this "Agreement") by and between Miami Computer Supply Corporation, an
Ohio corporation (AMCSC"), and Zengine, Inc., a Delaware corporation
("Zengine"), individually a "party," and collectively, the "parties."

         RECITALS

         WHEREAS, Zengine is issuing shares of its Common Stock, no par value
per share ("Common Stock"), to the public in an offering (the "Initial Public
Offering") registered under the Securities Act of 1933, as amended;

         WHEREAS, MCSC beneficially owns a majority of the issued and
outstanding Zengine Common Stock;

         WHEREAS, MCSC has heretofore directly or indirectly provided certain
administrative, financial, management and other services to Zengine;

         WHEREAS, on the terms and subject to the conditions set forth herein,
Zengine desires to retain MCSC as an independent contractor to provide, directly
or indirectly, certain of those services to Zengine as of the effective date
hereof; and

         WHEREAS, on the terms and subject to the conditions set forth herein,
MCSC desires to provide, directly or indirectly, such services to Zengine.

         NOW, THEREFORE, in consideration of the agreements and obligations set
forth herein and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto, for themselves,
their successors and assigns, hereby agree as follows:

SECTION 1.        SERVICES

         (a) On the terms and subject to the conditions of this Agreement and in
consideration of the payment described in Section 2, below, MCSC hereby agrees
to provide to Zengine, or procure the provision to Zengine of, and Zengine
agrees to purchase from MCSC, the services described in Schedule I (the
"Services"). Unless otherwise specifically agreed by MCSC and Zengine, the
Services to be provided or procured by MCSC hereunder shall be substantially
similar in scope, quality, and nature to those provided to, or procured on
behalf of, Zengine prior to the date hereof.

<PAGE>

Administrative Services Agreement
Page 2

         (b) It is understood that (i) the Services to be provided to Zengine
under this Agreement will, at Zengine's request, be provided to subsidiaries of
Zengine, and (ii) MCSC may satisfy its obligation to provide or procure Services
hereunder by causing one or more of its subsidiaries to provide or procure such
Services. With respect to Services provided to, or procured on behalf of, any
subsidiary of Zengine, Zengine agrees to pay on behalf of such subsidiary all
amounts payable by or in respect of such Services.

         (c) In addition to the Services to be provided or procured by MCSC
pursuant to Section 1(a), if requested by Zengine, and to the extent that MCSC
and Zengine may mutually agree, MCSC shall provide additional services
(including services not provided by MCSC to Zengine prior to the date hereof) to
Zengine. The scope of any such services, as well as the term, costs, and other
terms and conditions applicable to such services, shall be as mutually agreed by
MCSC and Zengine.

SECTION 2. COMPENSATION

         (a) Zengine shall pay to MCSC an aggregate amount of Seven Hundred
Twenty Thousand Dollars ($720,000.00) (the "Service Payment") for the rendering
of such Services during the Term of this Agreement in monthly increments of
Sixty Thousand and 00/100 Dollars ($60,000.00) per month in arrears on the
fifteenth (15th) day of the following month by check, wire transfer or the
netting of accounts payable and accounts receivable between the parties, as the
parties may agree from time to time. If the parties cannot agree on a netted
amount for a particular month, such month's payment shall be made by check. If
Zengine fails to pay any monthly payment within ninety (90) days of the date it
is due hereunder, Zengine shall be obligated to pay, in addition to the amount
due, interest on such amount at the rate of 0.5% per month from the relevant due
date through the date of payment.

         (b) Prior to the date hereof, certain Zengine employees participated in
certain benefit plans sponsored by MCSC (the "MCSC Plans"). On and after the
date hereof, Zengine employees shall continue to be eligible to participate in
the MCSC Plans, subject to the terms of the governing plan documents as
interpreted by the appropriate plan fiduciaries. On and after the date hereof,
subject to regulatory requirements and the provisions of Section 3(a) hereof,
MCSC will continue to provide benefits Services to and in respect of Zengine
employees with reference to the MCSC Plans as it administered the plans prior to
the date hereof.

         (c) MCSC and Zengine agree to cooperate fully with each other in the
administration and coordination of regulatory and administrative requirements
associated with the MCSC Plans. Such coordination, upon request, will include
(but is not limited to) the following: sharing payroll data for determination of
highly compensated employees, providing census information (including accrued
benefits) for purposes of running discrimination tests, providing actuarial
reports for purposes of determining the funded status of any plan, review and
coordination of insurance and other independent third party contracts, and
providing for review of all summary plan descriptions,

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Administrative Services Agreement
Page 3

requests for determination letters, insurance contracts, Forms 5500, financial
statement disclosures and plan documents.

         (d) In connection with the invoicing described in this Section 2(e),
MCSC will provide to Zengine the same billing data and level of detail as it
customarily provides to other MCSC subsidiaries and such other data as may be
reasonably requested by Zengine.

         (e) Except as otherwise agreed in writing by the parties, Zengine shall
take such action as is necessary to establish bank accounts (to be funded by
Zengine) or to otherwise fund all wage and salary payments to Zengine employees
and to fund all medical, retirement and other benefit claims payable to or on
behalf of Zengine employees and their dependents to the extent not covered by
third party insurance. Payroll services and benefit claims processing activities
performed by MCSC or MCSC's subcontractors shall be coordinated to facilitate
payments. Following prior written notice of not less than fifteen (15) business
days, MCSC shall be relieved of any obligation to deliver benefit and payroll
services under this Agreement to the extent that such bank accounts or other
funding arrangements are not established at the time drafts are presented for
payment, or at any time when there are insufficient funds in the relevant
account or such other arrangements fail to satisfy a properly presented claim.

SECTION 3. STANDARDS

         (a) Except as otherwise agreed with Zengine or described in this
Agreement, and provided that MCSC is not restricted by contract with third
parties or by applicable law, MCSC agrees that the nature, quality, and standard
of care applicable to the delivery of the Services hereunder will be
substantially the same as that of the Services which MCSC provides from time to
time to its subsidiaries; PROVIDED that in no event shall such standard of care
be less than the standard of care that MCSC has customarily provided to Zengine
with respect to the relevant Service prior to the date hereof. MCSC shall use
its reasonable efforts to ensure that the nature and quality of Services
provided to Zengine employees either by MCSC directly or through administrators
under contract shall be undifferentiated as compared with the same services
provided to or on behalf of MCSC employees under the MCSC Plans.

         (b) Subject to Section 3(a) above, Zengine hereby delegates to MCSC
final, binding, and exclusive authority, responsibility, and discretion to
interpret and construe the provisions of employee benefit plans in which Zengine
has elected to participate and which are administered by MCSC under this
Agreement (collectively, "Employee Benefit Plans"). MCSC may further delegate
such authority to plan administrators to:

                  (i) provide administrative and other services

                  (ii) reach factually supported conclusions consistent with the
terms of the Employee Benefit Plans;

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Administrative Services Agreement
Page 4

                  (iii) make a full and fair review of each claim denial and
decision related to the provision of benefits provided or arranged for under the
Employee Benefit Plans, pursuant to the requirements of the Employee Retirement
Income Security Act of 1974, as amended ("ERISA"), if within sixty (60) days
after receipt of the notice of denial, a claimant requests in writing a review
for reconsideration of such decisions. Administrator shall notify the claimant
in writing of its decision on review. Such notice shall satisfy all ERISA
requirements relating thereto; and

                  (iv) notify the claimant in writing of its decision on review.

         (c) MCSC shall provide or shall cause to be provided to Zengine data or
reports requested by Zengine relating to (i) benefits paid to or on behalf of
Zengine employees under the MCSC Plans, including but not limited to financial
statements, claims history, and census information, and (ii) other information
relating to the Services that is required to satisfy any reporting or disclosure
requirement of ERISA or the Code. MCSC will provide such information within a
reasonable period of time after it is requested. The costs for reports which are
substantially similar to reports prepared by MCSC or on behalf of MCSC generally
for its businesses shall be considered a part of the Service Payment.

SECTION 4.        TERM

         The initial term of this Agreement shall commence on the date hereof
and shall continue for a period of two (2) years (the "Term") unless renewed or
extended by mutual agreement of the parties. Specific categories of Services may
be cancelled as agreed in writing by the parties from time to time without a
reduction in the Service Payment.

SECTION 5.        RECORDS AND ACCOUNTS

         MCSC shall maintain accurate records and accounts of the transactions
relating to the Services performed by it pursuant to this Agreement. Zengine
shall have the right to inspect and copy, upon reasonable notice and at
reasonable intervals during MCSC's regular office hours, the separate records
and accounts maintained by MCSC relating to the Services.

SECTION 6.        DIRECTORS AND OFFICERS OF ZENGINE AND MCSC

         (a) Nothing contained in this Agreement shall be deemed to relieve the
officers and directors of Zengine from the performance of their duties or limit
the exercise of their powers in accordance with Zengine's Certificate of
Incorporation (as amended) or the laws of the State of Delaware. The services of
MCSC's officers and employees which are rendered to Zengine under this Agreement
shall at all times be in accordance with the instructions of Zengine's officers.

         (b) Nothing in this Agreement shall limit or restrict the right of any
of MCSC's directors,

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Administrative Services Agreement
Page 5

officers or employees to engage in any other business or devote their time and
attention in part to the management or other aspects of any other business,
whether of a similar nature, or to limit or restrict the right of MCSC to engage
in any other business or to render services of any kind to any corporation,
firm, individual, trust or association.

SECTION 7.        LIABILITY; INDEMNIFICATION

         (a) MCSC shall have no liability whatsoever to Zengine for any error,
act or omission in connection with the Services to be rendered by MCSC to
Zengine hereunder unless any such error, act or omission is attributable to
MCSC's misconduct or negligence. Each party agrees to indemnify, defend and hold
the other harmless from and against and in respect of any and all costs,
expenses (including without limitation, attorneys= fees and litigation and
investigation costs), losses, damages and claims arising from, in connection
with or relating to (i) the Services to be rendered under this Agreement or (ii)
any breach of this Agreement; provided, however, that, notwithstanding anything
contained herein, no party shall be liable for consequential damages of any kind
(even if advised of the possibility or likelihood thereof) or any punitive
damages in connection with any claim or matter arising under or in connection
with this Agreement. Except as expressly set forth herein, no party makes any
representation or warranty of any kind. The provisions of this Section shall
survive any termination or non-renewal of this Agreement.

         (b) MCSC is an independent contractor and when its employees act under
the terms of this Agreement, they shall be deemed at all times to be under the
supervision and responsibility of MCSC; and no person employed by MCSC and
acting under the terms of this Agreement shall be deemed to be acting as agent
or employee of Zengine or any customer of Zengine for any purpose whatsoever.

SECTION 8.        OTHER AGREEMENTS

         From time to time, Zengine may find it necessary or desirable either to
enter into agreements covering services of the type contemplated by this
Agreement to be provided by parties other than MCSC or to enter into other
agreements covering functions to be performed by MCSC hereunder. Nothing in this
Agreement shall be deemed to limit in any way the right of Zengine to acquire
such services from others or to enter into such other agreements; provided that
in no such event shall the fees to be paid to MCSC pursuant to Section 2 hereof
be reduced on account thereof unless this Agreement is terminated, or the
applicable categories of Services, are cancelled in accordance with Section 3
hereof.

SECTION 9.        CONFIDENTIALITY

         MCSC agrees to hold in strict confidence, and to use reasonable efforts
to cause its employees and representatives to hold in strict confidence, all
confidential information concerning Zengine furnished to or obtained by MCSC in
the course of providing the Services (except to the

<PAGE>

Administrative Services Agreement
Page 6

extent that such information has been (a) in the public domain through no fault
of MCSC or (b) lawfully acquired by MCSC from sources other than Zengine); and
MCSC shall not disclose or release any such confidential information to any
person, except its employees, representatives and agents who have a need to know
such information in connection with MCSC's performance under this Agreement,
unless (i) such disclosure or release is compelled by the judicial or
administrative process, or (ii) in the opinion of counsel to MCSC, such
disclosure or release is necessary pursuant to requirements of law or the
requirements of any governmental entity including, without limitation,
disclosure requirements under the Securities Exchange Act of 1934, as amended.

SECTION 10. NOTICE

         Unless otherwise agreed in writing by the parties, Zengine agrees to
provide MCSC with at least two (2) months prior written notice of any material
change in the eligible Zengine employees and retirees covered by the MCSC Plan,
and any change in the scope of Services to be provided by MCSC with respect to
such plans and arrangements. Notwithstanding the preceding sentence, if Zengine
provides MCSC with less than two (2) months' notice of any such change and MCSC
is nonetheless able, with reasonable efforts, to effectuate such change with
such shorter notice, then MCSC shall implement the requested change.

SECTION 11. TERMINATION

         (a) MCSC may, at its option, terminate this Agreement as it relates to
any given Service (without a reduction in the Service Payment) if MCSC would
otherwise be required to provide such Service with respect to any employee
benefit plan or program that is not substantially similar to a corresponding
plan or program of MCSC (as such plans and programs of MCSC exist from time to
time) or if the method of delivering such Service would no longer be
substantially similar to the manner in which such Service was delivered to
Zengine as such delivery may change from time to time.

         (b) MCSC may terminate any affected Service at any time if Zengine
shall have failed to perform any of its material obligations under this
Agreement relating to any such Service, MCSC has notified Zengine in writing of
such failure, and such failure shall have continued for a period of sixty (60)
days after receipt by Zengine of notice of such failure.

         (c) Zengine may terminate any affected Service at any time if MCSC
shall have failed to perform any of its material obligations under this
Agreement relating to any such Service, Zengine has notified MCSC in writing of
such failure, and such failure shall have continued for a period of sixty (60)
days after receipt by MCSC of notice of such failure.

         (d) Each of Zengine and MCSC agrees that prior to exercising its rights
under this Section 11, it will consult for a reasonable period with the other
party in advance of such termination as to its implementation.

<PAGE>

Administrative Services Agreement
Page 7

SECTION 12. EFFECT OF TERMINATION

         (a) Other than as required by law, and except as otherwise set forth in
Section 11, upon termination of any Service pursuant to Section 11, and upon
termination of this Agreement in accordance with its terms, MCSC will have no
further obligation to provide the terminated Service (or any Service, in the
case of termination of this Agreement) and Zengine will have no obligation to
make any Service Payments or make any other payments hereunder; PROVIDED that
notwithstanding such termination, (i) Zengine shall remain liable to MCSC for
fees owed and payable in respect of Services provided prior to the effective
date of the termination; (ii) MCSC shall continue to charge Zengine for
administrative and program costs relating to benefits paid after but incurred
prior to the termination of any Service and other services required to be
provided after the termination of such Service and Zengine shall be obligated to
pay such expenses in accordance with the terms of this Agreement; and (iii) the
provisions of Sections 4, 6, 7, 8, 9, 10 and this Section 12 for the MCSC Plans
that relate to any period after the effective date of any such termination shall
be for the account of Zengine.

         (b) Following termination of this Agreement with respect to any
Service, MCSC and Zengine agree to cooperate in providing for an orderly
transition of such Service to Zengine or to a successor service provider.
Without limiting the foregoing, MCSC agrees to (i) provide, within ninety (90)
days of the termination, copies in a format designated by MCSC, of all records
relating directly or indirectly to benefit determinations of Zengine employees,
including but not limited to compensation and service records, correspondence,
plan interpretive policies, plan procedures, administration guidelines, minutes,
or any data or records required to be maintained by law and (ii) work with
Zengine in developing a transition schedule.

SECTION 13.       MISCELLANEOUS

         (a) This Agreement may not be transferred or assigned by either party,
whether voluntarily or by operation of law, without the prior written consent of
the other. This Agreement shall inure to the benefit of and be binding upon all
permitted successors and assigns.

         (b) This Agreement shall be governed by the laws of the State of Ohio
(regardless of the laws that might otherwise govern under applicable principles
of conflicts of law) as to all matters, including, but not limited to, matters
of validity, construction, effect, performance and remedies.

         (c) This Agreement may be executed in counterparts, each of which shall
constitute an original and both of which together shall be deemed to be one and
the same instrument.

         (d) In the event there is any conflict between the provisions of this
Agreement, on the one hand, and provisions of prior services agreements among
MCSC or its subsidiaries and Zengine

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Administrative Services Agreement
Page 8

(the "Prior Agreements"), on the other hand, the provisions of this Agreement
shall govern and such provisions in the Prior Agreements are deemed to be
amended so as to conform with this Agreement.

         (e) In the event that Zengine (or any of its officers or directors) or
MCSC (or any of its officers or directors) at any time after the date hereof
initiates or becomes subject to any litigation or other proceedings before any
governmental authority or arbitration panel with respect to which the parties
have no prior agreements (as to indemnification or otherwise), the party (and
its officers and directors) that has not initiated and is not subject to such
litigation or other proceedings shall comply, at the other party's expense, with
any reasonable requests by the other party for assistance in connection with
such litigation or other proceedings (including by way of provision of
information and making available of employees as witnesses).

         (f) Nothing in this Agreement shall constitute or be deemed to
constitute a partnership or joint venture between the parties hereto or, except
to the extent provided in Section 3(b), constitute or be deemed to constitute
any party the agent or employee of the other party for any purpose whatsoever
and neither party shall have authority or power to bind the other or to contract
in the name of, or create a liability against, the other in any way or for any
purpose.

         (g) MCSC may hire or engage one or more subcontractors to perform all
or any of its obligations under this Agreement, provided that MCSC will in all
cases remain primarily responsible for all obligations undertaken by it in this
Agreement with respect to the scope, quality and nature of the Services provided
to Zengine.

         (h)(i) For purposes of this Section, "force majeure" means an event
beyond the control of either party, which by its nature could not have been
foreseen by such party, or, if it could have been foreseen, was unavoidable, and
includes without limitation, acts of God, earthquakes, storms, floods, riots,
fires, sabotage, civil commotion or civil unrest, interference by civil or
military authorities, acts of war (declared or undeclared) and failure of
communications, electrical or energy sources.

                  (ii) Neither party shall be under any liability for failure to
fulfill any obligation under this Agreement, so long as and to the extent to
which the fulfillment of such obligation is prevented, frustrated, hindered, or
delayed as a consequence of circumstances of force majeure, provided always that
such party shall have exercised all due diligence to minimize to the greatest
extent possible the effect of force majeure on its obligations hereunder.

                  (iii) Promptly on becoming aware of force majeure causing a
delay in performance or preventing performance of any obligations imposed by
this Agreement (and termination of such delay), the party affected shall give
written notice to the other party giving details of the same, including
particulars of the actual and, if applicable, estimated continuing effects of
such force majeure on the obligations of the party whose performance is
prevented or delayed. If such notice shall have been duly given, and actual
delay resulting from such force majeure shall be deemed not to be a breach of
this Agreement, and the period for performance of the obligation to which it
relates

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Administrative Services Agreement
Page 9

shall be extended accordingly, provided that if force majeure results in the
performance of a party being delayed by more than sixty (60) days, the other
party shall have the right to terminate this Agreement with respect to any
affected by such delay forthwith by written notice.

         (i) This Agreement (including the Schedules constituting a part of this
Agreement) and any other writing signed by the parties that specifically
references this Agreement constitute the entire agreement among the parties with
respect to the subject matter hereof and supersede all prior agreements,
understandings and negotiations, both written and oral, between the parties with
respect to the subject matter hereof. This Agreement is not intended to confer
upon any person other than the parties hereto any rights or remedies hereunder.

          (j) All notices, requests, demands, waivers and other communications
required or permitted to be given under this Agreement shall be in writing and
shall be deemed to have been duly given if delivered personally or by facsimile
transmission or mailed (certified or registered mail, postage prepaid, return
receipt requested):

                           If to Zengine, Inc:

                                    6100 Stewart Avenue
                                    Fremont, California 94538
                                    Telephone:       (510) 650-6400
                                    Facsimile:       (510) 651-3200
                                    Attn:   Joseph M. Savarino, President

                           If to Miami Computer Supply Corporation:

                                    4750 Hempstead Station Drive
                                    Dayton, Ohio 45429
                                    Telephone:       (937) 291-8282
                                    Facsimile:       (937) 291-8298
                                    Attn:   Michael E. Peppel, President

                           With a copy to:

                                    Elias, Matz, Tiernan & Herrick L.L.P.
                                    734 15th Street, N.W., 12th Floor
                                    Washington, DC  20005
                                    Telephone:       (202) 347-0300
                                    Facsimile:       (202) 347-2172
                                    Attn:   Jeffrey A. Koeppel, Esq.

or to such other person or address as any party shall specify by notice in
writing to the other party.

<PAGE>

Administrative Services Agreement
Page 10

All such notices, requests, demands, waivers and communications shall be deemed
to have been received on the date on which hand delivered, upon transmission of
the facsimile transmission by the sender and issuance by the transmitting
machine of a confirmation slip confirming that the number of pages constituting
the notice have been transmitted without error, or on the third business day
following the date on which so mailed, except for a notice of change of address,
which shall be effective only upon receipt thereof. In the case of a notice sent
by facsimile transmission, the sender shall contemporaneously mail a copy of the
notice to the addressee at the address provided for above. However, such mailing
shall in no way alter the time at which the facsimile notice is deemed received.
In no event shall the provision of notice pursuant to this Section 13(j)
constitute notice for service of process.

         (k) If any provision of this Agreement shall be invalid or
unenforceable, such invalidity or unenforceability shall not render the entire
Agreement invalid. Rather, the Agreement shall be construed as if not containing
the particular invalid or unenforceable provision, and the rights and
obligations of each party shall be construed and enforced accordingly.

         (l) This Agreement may only be amended by a written agreement executed
by both parties hereto.

         (m) Zengine agrees to permit MCSC and its subsidiaries to use the
trademarks and service marks owned by Zengine or any of its subsidiaries at no
cost to MCSC or its subsidiaries in MCSC's annual report to shareholders and
publicity materials and for other similar purposes.

[THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK.]

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Administrative Services Agreement
Page 11

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the date set forth above on the date set forth below.

                        ZENGINE, INC.

                        By:      /s/ JOSEPH M. SAVARINO
                                 --------------------------------------

                        Name:    JOSEPH M. SAVARINO
                                 --------------------------------------

                        Title:   PRESIDENT AND CHIEF EXECUTIVE OFFICER
                                 --------------------------------------

                        Date:    February 29, 2000

                        MIAMI COMPUTER SUPPLY CORPORATION

                        By:      /s/ MICHAEL E. PEPPEL
                                --------------------------------------

                        Name:    MICHAEL E. PEPPEL
                                --------------------------------------

                        Title:   CHIEF EXECUTIVE OFFICER
                                --------------------------------------

                        Date:    February 29, 2000

<PAGE>

Administrative Services Agreement
Page 12

                 ADMINISTRATIVE SERVICES AGREEMENT -- SCHEDULE I
                           GENERAL CORPORATE SERVICES

         -        Treasury and Cash Management
                  (including loans and investments)

         -        Accounts Payable

         -        Corporate Development

         -        Risk Management and Administrative Insurance

         -        Executive Compensation and Benefit Plan Design Services

         -        Human Resources and Compensation

         -        Insurance Policies
                  (liability, property, casualty and fiduciary)

         -        Services to update the MCSC dedicated business-to-business
                  websites.

EMPLOYEE BENEFIT PLANS:

         -        BENEFITS/CLAIMS

         -        ADMINISTRATION

                  -        Administration of MCSC plans and program in which
                           Zengine employees may participate.

<PAGE>

Administrative Services Agreement
Page 13

         -        OTHER BENEFIT SUPPORT SERVICEs

                  -        Accounting, Legal, Actuarial Fees and related
                           recoveries.

                  -        Payroll support of benefits administration
                           (insurance, savings, other benefit plans and
                           statutory requirements).

                  -        Other.

         -        EMPLOYEE STOCK PURCHASE PROGRAM (WHEN INSTITUTED)

                  -        Payroll Services.

                  -        Other.<PAGE>

                                                                    Exhibit 4.1

                                    CVC, INC.

                           1999 NONEMPLOYEE DIRECTORS'

                                STOCK OPTION PLAN

                                    ARTICLE I

                                     PURPOSE

            The CVC, Inc. 1999 Nonemployee Directors' Stock Option Plan is
intended to advance the interests of CVC, Inc., and its stockholders by
attracting, retaining and motivating the performance of nonemployee directors of
CVC, Inc., and to encourage and enable such directors to acquire and retain a
proprietary interest in CVC, Inc., by ownership of its stock.

                                   ARTICLE II

                                   DEFINITIONS

            (a) "Board" means the Board of Directors of the Company.

            (b) "Code" means the Internal Revenue Code of 1986, as amended.

            (c) "Common Stock" means the Company's Common Stock, par value $.015
per share.

            (d) "Company" means CVC, Inc., a Delaware corporation.

            (e) "Date of Grant" means the date on which an Option is granted in
accordance with Section 5.1 hereof.

            (f) "Fair Market Value" means the closing price of the Common Stock
on the Nasdaq National Market on the date as of which fair market value is to be
determined or, in the absence of any reported sales of Common Stock on such
date, on the first preceding date on which any such sale shall have been
reported. If Common Stock is not listed on Nasdaq National Market on the date as
of which fair market value is to be determined, the Board shall determine in
good faith the fair market value in whatever manner it considers appropriate.

<PAGE>

            (g) "Nonemployee Director" means any member of the Board who is not
an employee of the Company.

            (h) "Option" means a stock option granted under the Plan.

            (i) "Optionee" means a person to whom an Option has been granted,
which Option has not expired under the Plan.

            (j) "Option Price" means the price at which each share of Common
Stock subject to an Option may be purchased, determined in accordance with
Section 5.2 hereof.

            (k) "Plan" means this CVC, Inc. 1999 Nonemployee Directors' Stock
Option Plan.

            (l) "Stock Option Agreement" means an agreement between the Company
and an Optionee under which the Optionee may purchase Common Stock under the
Plan.

                                   ARTICLE III

                                 ADMINISTRATION

            Subject to the express provisions of the Plan, the Board shall have
discretionary authority to interpret the Plan, to prescribe, amend and rescind
rules and regulations relating to it, to determine the details and provisions of
each Stock Option Agreement, and to make all the determinations necessary or
advisable in the administration of the Plan. All such actions and determinations
by the Board shall be conclusively binding for all purposes and upon all
persons. The Board shall not be liable for any action or determination made in
good faith with respect to the Plan, any Option or any Stock Option Agreement
entered into hereunder.

                                   ARTICLE IV

                         SHARES OF STOCK SUBJECT TO PLAN

            4.1 Number of Shares. Subject to adjustment pursuant to the
provisions of this Article IV, the maximum number of shares of Common Stock
which may be issued and sold hereunder shall be 200,000 shares. Shares of Common
Stock issued and sold under the Plan may be either authorized but unissued
shares or shares held in the Company's treasury. Shares of Common Stock covered
by an Option that shall have been exercised shall not again be available for an
Option grant. If an Option shall terminate for any reason without being wholly
exercised, the number of shares to which such Option termination relates shall
again be available for grant hereunder.

            4.2 Antidilution. In the event of a reorganization,
recapitalization, stock split, stock dividend, combination of shares, merger or
consolidation, or the sale,

                                       2
<PAGE>

conveyance, lease or other transfer by the Company of all or substantially all
of its property, or any other change in the corporate structure or shares of the
Company, pursuant to any of which events the then outstanding shares of Common
Stock are split up or combined, or are changed into, become exchangeable at the
holder's election for, or entitle the holder thereof to, other shares of stock,
or in the case of any other transaction described in Section 424(a) of the Code,
the Board may change the number and kind of shares (including by substitution of
shares of another corporation) subject to the Options and/or the Option Price of
such shares in the manner that it shall deem to be equitable and appropriate.

                                    ARTICLE V

                                     OPTIONS

            5.1 Grant of Options. Each Nonemployee Director shall receive a
grant of an Option to purchase 7,500 shares of Common Stock on the date
following the effective date of the Plan that he or she first becomes a member
of the Board, or any later date specified by the Board (the "Initial Grant"). In
addition to the foregoing, each Nonemployee Director shall receive a grant of an
Option to purchase 2,000 shares of Common Stock on the March 31 of each calendar
year following the effective date of the Plan (the "Annual Grant"). The Company
and the Optionee shall execute a Stock Option Agreement which shall set forth
such terms and conditions of an Option granted hereunder as may be determined by
the Board to be consistent with the Plan, and which may include additional
provisions and restrictions that are not inconsistent with the Plan.

            5.2 Option Price. The Option Price of each share of Common Stock
subject to an Option shall be 100 percent of the Fair Market Value of a share of
Common Stock on the trading date immediately preceding the Date of Grant.

            5.3 Vesting; Term of Option. Each Initial Grant of an Option shall
vest and become exercisable in cumulative annual installments, each of which
shall relate to one-third of the total number of shares of the Initial Grant, on
the first, second, and third anniversaries of the Date of Grant, provided that
the Optionee is a member of the Board on each such date. Each Annual Grant of an
Option shall become 100 percent vested and exercisable on the first anniversary
of the Date of Grant, provided that the Optionee is a member of the Board on
such date. The period during which a vested Option may be exercised shall be ten
years from the Date of Grant.

            5.4 Option Exercise. An Option may be exercised in whole or in part
at any time, with respect to whole shares only, within the period permitted for
the exercise thereof, and shall be exercised by written notice of intent to
exercise the Option with respect to a specified number of shares delivered to
the Company at its principal office, and payment in full to the Company at said
office of the amount of the Option Price for the number of shares of the Common
Stock with respect to which the Option is then being exercised. Payment of the
Option Price shall be made (i) in cash or by cash equivalent, (ii) in Common
Stock valued at the Fair Market Value of such shares on the trading date

                                       3
<PAGE>

immediately preceding the date of exercise or (iii) by a combination of such
cash and such Common Stock.

            5.5 Limited Transferability of Option. All Options shall be
nontransferable except (i) upon the Optionee's death, by the Optionee's will or
the laws of descent and distribution or (ii) on a case-by-case basis as may be
approved by the Board in its discretion, in accordance with the terms provided
below. Each Option Agreement shall provide that the Optionee may, during his or
her lifetime and subject to the prior approval of the Board at the time of
proposed transfer, transfer all or part of the Option to a Permitted Transferee
(as defined below), provided that such transfer is made by the Optionee for
estate and tax planning purposes or donative purposes and no consideration
(other than nominal consideration) is received by the Optionee therefor. The
transfer of an Option shall be subject to such other terms and conditions as the
Board may in its discretion impose from time to time, including a condition that
the portion of the Option to be transferred be vested and exercisable by the
Optionee at the time of the transfer. Subsequent transfers of an Option
transferred under this Section 5.5 shall be prohibited other than by will or the
laws of descent and distribution upon the death of the transferee.

            For purposes hereof, a "Permitted Transferee" shall be any member of
the Optionee's immediate family or a charitable institution (each defined
below), or a trust for the exclusive benefit of such immediate family members
and/or charitable institution, or to a partnership or limited liability company
the equity interests of which are owned exclusively by the Optionee and/or one
or more members of his or her immediate family. For purposes of the preceding
definition, (i) the "immediate family" of the Optionee shall mean and include
the Optionee's spouse, any descendant of the Optionee or his or her spouse
(including descendants by adoption), and any descendant of either parent of the
Optionee (including descendants by adoption), and (ii) a "charitable
institution" shall mean and include any organization described in each of
section 170(b)(1)(A), 170(c), 2055(a) and 2522(a) of the Code, as well as any
charitable remainder trust created under section 664 of the Code, the income
beneficiary of which is a member of the Optionee's immediate family or a trust
or other entity described above in this Section 5.5.

            No transfer of an Option by the Optionee by will or by laws of
descent and distribution shall be effective to bind the Company unless the
Company shall have been furnished with written notice thereof and an
authenticated copy of the will and/or such other evidence as the Board may deem
necessary to establish the validity of the transfer. During the lifetime of an
Optionee, the Option shall be exercisable only by him, except that, in the case
of an Optionee who is legally incapacitated, the Option shall be exercisable by
his guardian or legal representative.

                                       4

<PAGE>

                                   ARTICLE VI

                             TERMINATION OF SERVICE

            6.1 Death. If an Optionee shall die at any time after the Date of
Grant and while he is a member of the Board, the executor or administrator of
the estate of the decedent, or the person or persons to whom an Option shall
have been validly transferred in accordance with Section 5.5 hereof pursuant to
will or the laws of descent and distribution, shall have the right, during the
period ending one year after the date of the Optionee's death (subject to
Section 5.3 hereof concerning the maximum term of an Option), to exercise the
Optionee's Option to the extent that it was exercisable at the date of such
Optionee's death and shall not have been previously exercised.

            6.2 Disability. If an Optionee's service as a member of the Board
shall be terminated as a result of his permanent and total disability (within
the meaning of Section 22(e)(3) of the Code) at any time after the Date of
Grant, the Optionee (or in the case of an Optionee who is legally incapacitated,
his guardian or legal representative) shall have the right, during a period
ending one year after the date of his disability (subject to Section 5.3 hereof
concerning the maximum term of an Option), to exercise an Option to the extent
that it was exercisable at the date of such Optionee's disability and shall not
have been previously exercised.

            6.3 Removal for Cause. If an Optionee shall be removed from the
Board for cause, the Optionee's right to exercise any unexercised portion of an
Option shall immediately terminate and all rights thereunder shall cease. An
Optionee shall be considered to have been removed for "cause" for purposes of
this Section 6.3 when he shall have been removed from the Board by the
stockholders of the Company for cause in accordance with applicable state law
and the Certificate of Incorporation and By-Laws of the Company.

            6.4 Other Termination of Service. If an Optionee's service as a
member of the Board shall be terminated for any reason other than death,
permanent and total disability or removal for cause, the Optionee shall have the
right, during the period ending 90 days after such termination (subject to
Section 5.3 hereof concerning the maximum term of an Option), to exercise an
Option to the extent that it was exercisable at the date of such termination of
service and shall not have been previously exercised.

                                   ARTICLE VII

                                CHANGE IN CONTROL

            7.1 Change in Control. Upon a "change in control" of the Company (as
defined below), each outstanding Option, to the extent that it shall not
otherwise have become exercisable, shall become fully and immediately vested and
exercisable (without regard to the otherwise applicable installment exercise
requirement under Section 5.3 hereof).

                                       5
<PAGE>

            7.2 Definition. For purposes of Section 7.1 hereof, a "change in
control" of the Company shall mean:

            (i) an acquisition subsequent to the date hereof by any person,
entity or group (within the meaning of Section 13(d)(3) or 14(d)(2) of the
Securities Exchange Act of 1934, as amended (the "Exchange Act")) (a "Person"),
of beneficial ownership (within the meaning of Rule 13d-3 promulgated under the
Exchange Act) of 30% or more of either (A) the then outstanding shares of Common
Stock or (B) the combined voting power of the then outstanding voting securities
of the Company entitled to vote generally in the election of directors (the
"Outstanding Company Voting Securities"); excluding, however, the following: (1)
any acquisition directly from the Company, other than an acquisition by virtue
of the exercise of a conversion privilege unless the security being so converted
was itself acquired directly from the Company, (2) any acquisition by the
Company and (3) any acquisition by an employee benefit plan (or related trust)
sponsored or maintained by the Company;

            (ii) a change in the composition of the Board such that during any
period of two consecutive years, individuals who at the beginning of such period
constitute the Board, and any new director (other than a director designated by
a person who has entered into an agreement with the Company to effect a
transaction described in clause (i), (iii) or (iv) of this paragraph) whose
election by the Board or nomination for election by the Company's stockholders
was approved by a vote of at least two-thirds of the directors then still in
office who either were directors at the beginning of the period or whose
election or nomination for election was previously so approved, cease for any
reason to constitute at least a majority of the members thereof;

            (iii) the approval by the stockholders of the Company of a merger,
consolidation, reorganization or similar corporate transaction, whether or not
the Company is the surviving corporation in such transaction, in which
outstanding shares of Common Stock are converted into (A) shares of stock of
another company, other than a conversion into shares of voting common stock of
the successor corporation (or a holding company thereof) representing 80% of the
voting power of all capital stock thereof outstanding immediately after the
merger or consolidation or (B) other securities (of either the Company or
another company) or cash or other property;

            (iv) the approval by the stockholders of the Company of (A) the sale
or other disposition of all or substantially all of the assets of the Company or
(B) a complete liquidation or dissolution of the Company; or

            (v) the adoption by the Board of a resolution to the effect that any
person has acquired effective control of the business and affairs of the
Company.

                                       6

<PAGE>

                                  ARTICLE VIII

                               STOCK CERTIFICATES

            8.1 Issuance of Certificates. Subject to Section 8.2 hereof, the
Company shall issue a stock certificate in the name of the Optionee (or other
person exercising the Option in accordance with the provisions of the Plan) for
the shares of Common Stock purchased by exercise of an Option as soon as
practicable after due exercise and payment of the aggregate Option Price for
such shares.

            8.2 Conditions. The Company shall not be required to issue or
deliver any certificate for shares of Common Stock purchased upon the exercise
of any Option granted hereunder or any portion thereof prior to fulfillment of
all of the following conditions:

            (a) the completion of any registration or other qualification of
such shares, under any federal or state law or under the rulings or regulations
of the Securities and Exchange Commission or any other governmental regulatory
body, that the Board shall in its sole discretion deem necessary or advisable;

            (b) the obtaining of any approval or other clearance from any
federal or state governmental agency that the Board shall in its sole discretion
determine to be necessary or advisable;

            (c) the lapse of such reasonable period of time following the
exercise of the Option as the Board from time to time may establish for reasons
of administrative convenience;

            (d) satisfaction by the Optionee of any applicable withholding taxes
or other withholding liabilities; and

            (e) if required by the Board, in its sole discretion, the receipt by
the Company from an Optionee of (i) a representation in writing that the shares
of Common Stock received upon exercise of an Option are being acquired for
investment and not with a view to distribution and (ii) such other
representations and warranties as are deemed necessary by counsel to the
Company.

            8.3 Legends. The Company reserves the right to legend any
certificate for shares of Common Stock, conditioning sales of such shares upon
compliance with applicable federal and state securities laws and regulations.

                                   ARTICLE IX

                    EFFECTIVE DATE, TERMINATION AND AMENDMENT

            9.1 Effective Date. The Plan shall become effective upon its
adoption by the Board and its approval by the stockholders of the Company;
provided, however, that the Plan shall not be effective and any Options granted
hereunder shall be null and void if,

                                       7
<PAGE>

prior to March 31, 2000, an initial public offering of the Common Stock shall
not have been consummated.

            9.2 Termination. The Plan shall terminate on the tenth anniversary
of the date the Plan is approved by the stockholders of the Company. The Board
may, in its sole discretion and at any earlier date, terminate the Plan.
Notwithstanding the foregoing, no termination of the Plan shall in any manner
affect any Option theretofore granted without the consent of the Optionee or the
permitted transferee of the Option.

            9.3 Amendment. The Board may at any time and from time to time and
in any respect, amend or modify the Plan. Solely to the extent deemed necessary
or advisable by the Board, for purposes of complying with rules of any
securities exchange or for any other reason, the Board may seek the approval of
any such amendment by the Company's stockholders. Any such approval shall be by
the affirmative votes of the stockholders of the Company present, or
represented, and entitled to vote at a meeting duly held in accordance with
applicable state law and the Certificate of Incorporation and By-Laws of the
Company. Notwithstanding the foregoing, no amendment or modification of the Plan
shall in any manner affect any Option theretofore granted without the consent of
the Optionee or the permitted transferee of the Option.

                                   ARTICLE IX

                                  MISCELLANEOUS

            10.1 Service on Board. Nothing in the Plan, in the grant of any
Option or in any Stock Option Agreement shall confer upon any Nonemployee
Director the right to continue service as a member of the Board.

            10.2 Rights as Shareholder. An Optionee or the permitted transferee
of an Option shall have no rights as a shareholder with respect to any shares
subject to such Option prior to the purchase of such shares by exercise of such
Option as provided herein. Nothing contained herein or in the Stock Option
Agreement relating to any Option shall create an obligation on the part of the
Company to repurchase any shares of Common Stock purchased hereunder.

            10.3 Plan Binding on Successors. The Plan shall be binding upon the
Company, its successors and assigns, and the Optionee, his executor,
administrator and permitted transferees.

            10.4 Construction and Interpretation. Whenever used herein, nouns in
the singular shall include the plural, and the masculine pronoun shall include
the feminine gender. Headings of Articles and Sections hereof are inserted for
convenience and reference and constitute no part of the Plan.

                                       8
<PAGE>

            10.5 Severability. If any provision of the Plan or any Stock Option
Agreement shall be determined to be illegal or unenforceable by any court of law
in any jurisdiction, the remaining provisions hereof and thereof shall be
severable and enforceable in accordance with their terms, and all provisions
shall remain enforceable in any other jurisdiction.

            10.6 Governing Law. The validity and construction of this Plan and
of the Stock Option Agreements shall be governed by the laws of the State of
Delaware.

                                       9

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