Document:

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                                                                   Exhibit 10.13

                MARKETING AND ADMINISTRATIVE SERVICES AGREEMENT

          THIS MARKETING AND ADMINISTRATIVE SERVICES Agreement ("Agreement")
dated as of the 24th day of July 1997 by and between Chase Mortgage Services,
Inc., a Delaware corporation, having a place of business at 200 Old Wilson
Bridge Road, Worthington, Ohio 43085 ("Chase") and AEGIS MORTGAGE ACCELERATION
CORP., a Delaware corporation, having its principal office at Three Embarcadero
Center, Suite 2250, San Francisco, California 94111 ("Aegis").

                                  WITNESSETH:

          WHEREAS Aegis is in the business of marketing and servicing debt
rescheduling and acceleration programs and other financial services, and in that
regard, developing new business prospects;

          WHEREAS Chase wishes to engage the services of Aegis to perform data
processing and marketing services under the name Equity Accelerator Program (the
"Program");

          NOW, THEREFORE, for and in consideration of the within promises and
for other good and valuable consideration, the receipt and sufficiency of which
is hereby expressly acknowledged, the parties hereto agree as follows:

          1.  DEFINITIONS

              (a) "Campaign" means a mail Solicitation assigned a specific
Campaign number by Aegis.

              (b) "Campaign Term" means the period of time from the date on
which a Campaign is mailed until a date eighty (80) months from such date. As to
any Customer existing on the Effective Date, the Campaign Terms shall be deemed
to have commenced on the date such Customer became a borrower under a
Rescheduled Loan subject to processing by Aegis and shall end eighty (80) months
thereafter.

              (c) "Customers" means Chase's customers who are currently repaying
a mortgage debt instrument to Chase, as servicer, on a monthly schedule.

              (d) "Program" means the Equity Accelerator program described in
the Specifications.

              (e) "Program Material" means those specifications and procedures,
including documents, scripts and any other marketing and Solicitation materials
prepared in connection with the Program.

***Confidential treatment has been requested with respect to the information
contained within the "[***]" markings.  Such marked portions have been omitted
from this filing and have been filed separately with the Securities and Exchange
Commission.
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              (f) "Prospect" means any Customer for whom Chase has provided to
Aegis the information necessary for solicitation to sign up for the Program.

              (g) "Rescheduling" means effecting a payment method change for the
Subscriber from a monthly schedule (12 times per year) to a schedule of weekly,
monthly, biweekly, or semi-monthly debits without causing any changes to the
original loan documents or loan terms. Such loans shall be known as "Rescheduled
Loans."

              (h) "Solicitation" means any effort, mean or method approved in
writing by Chase and implemented by Aegis to communicate the benefits of the
Program to Prospects, including without limitation, writing, design, copy
writing, mechanical artwork, photography, illustrations, printing, mailing, and
customer service.

              (i) "Specifications" means the detailed description of the
Program, attached as Exhibit A which may not be modified without the written
consent of Chase.

              (j) "Subscriber" means a Customer who has completed enrollment in
the Program, and has paid all fees due to Aegis.

              (k) "Target Market" means those Prospects with mortgages of
sufficient remaining terms, principal balance and interest which would make the
Program logical and beneficial, as determined jointly by Chase and Aegis.

              (l) "Telephone Solicitation" means those telephonic solicitations
of those Prospects who have previously requested additional information.

              (m) "Termination Fee" means a fee for each Subscriber whose loan
is the subject of termination under Section 16(e), equal to the product of: (i)
[***] for Subscribers enrolling in the Program at an enrollment fee equal to
[***] (or [***]) and [***] for Subscribers enrolling in the Program
without payment of an enrollment fee; times (ii) the number of months remaining
in the Campaign Term applicable to such Subscriber; which product shall be
brought to net present value at an [***] percent [***] discount rate.

          2.  COMMENCEMENT. Aegis shall, as of July 24, 1997 (the "Effective
Date") commence the performance of marketing services in reference to the Target
Market and fee and payment processing functions in reference to Prospects and
Subscribers, pursuant to the terms hereof. Aegis shall terminate performance of
marketing services in reference to the Target Market on July 24, 2001, unless
sooner terminated pursuant to the provisions of this Agreement, or unless
extended by mutual agreement of the parties. As to each Rescheduled Loan, Aegis
shall terminate performance of payment processing functions upon transfer of
servicing of such Rescheduled Loan to a third party who chooses not to
participate in a rescheduled loan program with Aegis ("Non-Participating Third
Party"), refinance, satisfaction or other

[***] Confidential treatment has been requested for certain portions of this
document

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liquidation, unless sooner terminated pursuant to the provisions of this
Agreement, or unless extended by mutual agreement of the parties. In the event
of a termination due to a Non-Participating Third Party, Chase shall be liable
to the Subscriber for any fees due such Subscriber for termination of
Subscriber's involvement in the Program.

          3.  INSURANCE. At its expense, Aegis shall maintain policies of
fidelity, and such other insurance as Is acceptable to Chase, and shall furnish
proof of same upon Chase demand.

          The policies shall be in such amounts and with such standard coverages
as are satisfactory to chase. Aegis shall provide Chase with a certificate from
the insurer evidencing such coverage which shall provide for at least ten (10)
days prior notice from the insurer to Chase in the event of insurer's
cancellation. Aegis covenants to-make claim against, and diligently pursue,
recovery from the insurance carrier(s) with whom insurance is maintained for any
claim made by Chase upon Aegis for which such insurance carriers may be liable.

          4.  STATEMENTS AND RECORDS. Aegis shall annually, within five business
days of finalization, but in no event later than June 30th of each year, provide
to Chase an audited statement of Aegis' consolidated statement of operations for
such fiscal year, prepared in accordance with generally accepted accounting
principles and by an auditor acceptable to Chase. Aegis will keep Rescheduled
Loan records in accordance with FNMA, FHLMC and GNMA guidelines and FHA and VA
regulations and the regulations of any state or federal government or
supervisory agency having authority over Chase or Aegis. Such Rescheduled Loan
records shall be the property of Chase and upon demand by Chase, or termination
of this Agreement, shall be delivered to Chase. Upon Chase's written request,
Aegis shall give Chase, or its authorized representatives and appropriate
regulators, the opportunity, during normal business hours, to examine Aegis'
books and records relating to the Rescheduled Loans and to make copies and
extracts at Chase's expense. Aegis shall provide to Chase monthly a copy of the
print file for every direct mail campaign which will contain the names and data
appearing on the direct mail solicitations together with a sample of the
materials contained within any such campaign. In addition, Aegis shall provide
any enrollment materials for each Subscriber upon Chase's request.

          5.  RESPONSIBILITIES OF AEGIS. Until the principal and interest of
each Rescheduled Loan is paid in full, or until termination of this Agreement in
accordance with the provisions hereof, whichever is sooner, Aegis shall:

              (a) Debit of Payments. Proceed diligently to debit all mortgage
payments due under the terms of each Rescheduled Loan as they become due by
automatic debit from the Subscriber's account; insure that all authorizations
necessary to allow such debits are in place prior to the date on which debit is
due for the Rescheduled Loan, and exert diligent efforts to arrange for
subsequent debit of a failed debit; notify

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Chase, within 5 business days, if Aegis is unable to debit any account and
thereafter arrange for subsequent debit.

              (b) Deposit in Accounts. Deposit all funds received with respect
to each Rescheduled Loan daily into Chase's receipt settlement account; within
48 hours of fund receipt, see to transfer of such funds into Chase's custodial
account; upon accumulation of sufficient funds to make scheduled mortgage
payments and/or additional principal payments under the terms of the Rescheduled
Loan documents, see to transfer of such funds into Chase's disbursement
settlement account and then onto an appropriate Chase account for posting to the
Subscriber's mortgage debt; maintain records to show the respective interest of
each Subscriber, Chase and the investor in the accounts.

              (c) Records and Delinquency Notice. Keep a complete, accurate, and
separate account of all sums paid by Subscriber, debited, or disbursed.

              (d) Customer Service and Other Duties and Reports. Respond
promptly to customer inquiries relating to the Program generally, and as it
relates to any individual loan, and immediately relay all other customer service
issues to appropriate personnel within Chase; perform such other customary
duties, furnish such other reports and execute such other documents in
connection with its duties hereunder as Chase from time to time may reasonably
require, as well as such other responsibilities as are customarily performed
according to prudent mortgage banking standards.

              (e) Statements to Mortgagor. Submit to each mortgagor, at least
annually, an accounting or report detailing interest earnings on mortgage
payments and other information customarily provided to mortgagors in relation
thereto; mail, on or before the date required by law, all required IRS 1099 INT
forms, to all parties entitled to receive same, for the period during which
services are performed by Aegis under the terms of this Agreement

              (f) Rescheduled Loan Payoffs. Handle paid-off Rescheduled Loans in
compliance with law, including but not limited to, timely delivery of all
payment information, termination of the account debit authorization, and
remittance of all remaining funds to Chase.

              (g) Operating Procedures. Abide by all written procedures and
specifications furnished by Aegis to Chase, and by Chase to Aegis (the
"Procedures"). Aegis hereby represents and warrants that procedures provided by
Aegis to Chase comply with all applicable laws, rules, regulations, guidelines
and/or requirements of any regulatory agency, investor, or any party which has
insured or guaranteed an interest in a Rescheduled Loan. A true and correct copy
of the current procedures under which Aegis operates have been as of the date of
this Agreement delivered to Chase. Procedures may be modified from time to time
as agreed by Aegis and Chase. Each account shall be established and maintained,
and all debit and remittance activities shall be performed, in

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a manner which complies with the applicable laws, rules, regulations, guidelines
and/or requirements of any regulatory agency, investor, or any party which has
insured or guaranteed an interest in the Rescheduled Loan Aegis shall provide
Chase with copies of all account reconciliations on a monthly basis, by the
twentieth (20th) day of each month.

              (h) Program Materials and Marketing. Within sixty (60) days of the
Effective Date and prior to the first Solicitation, Aegis and Chase will work
together to create the Program Materials. Aegis shall provide marketing
assistance necessary to implement the Solicitation of Chase's defined Target
Market within 180 days of the Effective Date, including but not limited to
writing, design, copywriting, mechanical artwork, photography, illustrations,
printing, mailing, enrollment processing and customer service (for more specific
detail refer to Exhibit C).

              (i) Non-solicitation. Aegis, its employees, representatives and/or
agents shall not make any representations or warranties about the Program to any
Customer, Prospect or Subscriber except as set forth in the Program Materials
and as approved in writing by Chase. Aegis shall not directly or indirectly,
solicit or contact any Customer, Prospect, or Subscriber, for any purpose, or
provide any list or other information obtained in connection with this Agreement
in connection with any Customer, Prospect or Subscriber or on any Rescheduled
Loan to any third party, including but not limited to solicitation of any
product or service, other than in connection with services provided under this
Agreement

              (j) Facilities. Aegis shall maintain office space, computer,
phone, and other equipment and services and staff (including payroll services
and employment benefits) sufficient to implement and direct the Solicitation and
Telephone Solicitation and all other obligations of Aegis set forth in this
Agreement. Aegis will use reasonable commercial efforts to assist Chase's
training staff in developing and delivering information about the Program to
assist Chase's employees who may provide services related to the Program.

              (k) Servicing Transfers. In the event of a transfer of the
servicing on a Rescheduled Loan to a third party, Aegis shall continue to
provide the services described in this Agreement, pursuant to the terms of the
Procedures.

          6.  RESPONSIBILITIES OF CHASE. Until the principal and interest of
each Rescheduled Loan is paid in full, or until termination of this Agreement in
accordance with the provisions hereof, whichever is sooner, Chase shall:

              (a) Customer Information. Deliver monthly to Aegis all data
reasonably requested by Aegis to implement the Solicitation.

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              (b) New Customer Information. Deliver monthly to Aegis all loan
information regarding newly originated or new servicing loan customers
identified by Chase and necessary for Solicitation of such Customers.

          7.  FEES. The fee structure and charges for services listed in Exhibit
B shall remain in effect during the term of this Agreement Thereafter, Aegis and
Chase must agree upon any revisions to the fee structure charged to Subscribers
as a result of changes in operating costs, or market conditions. Unless mutually
agreed to otherwise, Chase shall share in any change in fees proportional to
Chase's pro-rata share of current few. Monies due one party to the other over
thirty days will bear delinquency charges at the maximum rate allowed by law or
10% whichever is less.

          8.  ADDITIONAL AGREEMENTS.  The parties further agree as follows:

              (a) Modifications required to be made to Aegis' systems in order
to comply with changes in federal or state banking laws or regulations will be
made available to Chase Prospects and Subscribers. Each such change shall be
made and implemented as soon as practical, and in any event by such time as the
modification may be necessary to comply with the law or regulation.

              (b) Should Aegis fail to maintain the service standards referenced
in this Agreement, Aegis will undertake such actions as are necessary to
promptly enable it to recover and maintain such service standards. Aegis will
advise Chase of the corrective steps that Aegis is undertaking and the estimated
time required to complete the correction and, in the case of errors in data or
reports, will supply the corrected data or reports to Chase promptly. By receipt
of such information, Chase shall not have waived its right to consider Aegis in
breach of this Agreement pursuant to the provisions of paragraph 16 of this
Agreement.

              (c) Aegis shall maintain adequate backup arrangements and
equipment in order to maintain services hereunder in the event of the failure of
Aegis' equipment Aegis shall test the operation and effectiveness of its
disaster recovery plan at least annually and will make the results of such tests
available to Chase upon request. Chase will be responsible for its own systems,
programs and equipment (including backup) necessary to support its on-site
operations.

              (d) Aegis further represents and warrants that its has implemented
various procedures and systems which will safeguard Chase's records and other
data and Aegis' data, equipment, facilities and other property used in the
performance of Aegis' obligations under this Agreement from loss of damage
attributable to fire, theft, or any other cause. Aegis will maintain and enforce
these systems and procedures throughout the term of this Agreement and
thereafter if necessary, and will make whatever additions and amendments to them
as are required by applicable law from time to time for the secure performance
of its obligations under this Agreement.

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          9.  NON-EXCLUSIVE AGREEMENT. Nothing in this Agreement shall prevent
Aegis from performing any services described above for other entities, during or
after the term of this Agreement. In addition, nothing in this Agreement shall
prevent Chase from receiving any services described above from other entities,
during or after the term of this Agreement, provided that Aegis shall be the
exclusive provider of the services described in this Agreement for loans for
which, as of the Effective Date, the servicing rights are owned by Chase, and
for which Chase, or its affiliate directly performs the servicing duties.

          10. PERFORMANCE STANDARDS. In performing services hereunder, Aegis
shall:

              (a) Perform such services in accordance with applicable written
supplemental service agreements, letters of understanding, policies, procedures
and processing priorities or other schedules to which the parties may agree from
time to time;

              (b) Perform such services using the same standards of care and
diligence as are required of a national banking association exercising prudent
mortgage banking practices in processing or performing similar functions; and

              (c) Perform such services in accordance with applicable state and
federal laws and regulations and investor requirements.

          11. CONFIDENTIALITY. It is expressly understood by both Chase and
Aegis that certain information which will be exchanged by Chase and Aegis and/or
their employees, or agents, during the term hereof constitutes trade secrets
and/or confidential information of the respective entities. Accordingly, both
Chase and Aegis shall treat such information received from the other strictly
confidential, and shall not use, disclose or permit to be used or disclosed at
any time, prior to or after termination of this Agreement, the trade secrets
and/or confidential information in any manner other than as permitted by the
other party.

          12. ACCESS TO INFORMATION. Aegis shall provide Chase and its duly
authorized representatives and representatives of governmental authorities
having jurisdiction over Chase with access to all books, records, other
information and facilities reasonably related to this Agreement or the provision
of services hereunder, as Chase or any such person shall reasonably request.

          13. AUTHORITY. Except as specifically authorized by Chase in writing.
Aegis shall not, and shall have no authority to, solicit, communicate, or enter
into any agreements, contracts or other binding commitments, in the name of and
on behalf of Chase.

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          14. INDEMNIFICATION. Each party shall indemnify and hold the other
harmless against any loss resulting from (i) a breach of any of its covenant or
obligations under the terms of this Agreement or (ii) the inaccuracy of any
representation or warranty made by such party under the term of this Agreement

          15. TERMINATION. Each Subscriber has the right to terminate its
participation in the program in accordance with his agreement and in accordance
with the Terms and Conditions document which is a part of the Specifications and
is provided Subscriber. Aegis and Chase shall, upon such termination,
respectively and on a pro-rata basis pay or refund to each Subscriber the
portion of the enrollment fee described in Exhibit B received by Aegis and
Chase. Operationally, Aegis shall pay Subscriber the total amount due to
Subscriber and subsequently deduct Chase's pro-rata share from the fees due
Chase each month.

          16. TERMINATION. Either party (the "Terminating Party") may, by
written notice to the other, terminate this Agreement if:

              (a) The other party (the "Breaching Party") materially fails to
perform its covenant or obligations hereunder, or breaches its representations
and warranties hereunder, and upon notice by the Terminating Party of the
material failure to perform or breach, the Breaching Party has not corrected
same within 45 days of delivery of notice (provided, however, that such 45 day
period shall be reduced to 2 business days in the event of non-payment of any
monthly payment due on a Rescheduled Loan, or to any lesser time frame required
by law, regulation or investor guidelines).

              (b) The other party becomes insolvent or bankrupt or is placed
under conservatorship or receivership.

              (c) The other party assigns or attempts to assign its rights and
obligations hereunder, without the prior written consent of the Terminating
Party.

              (d) By Chase, with respect to the affected Rescheduled Loans, upon
90 days written notice (or such other time period as may be required by
applicable law, regulation or investor requirements) to Aegis in the event of
(i) Chase's sale of the Rescheduled Loan or (ii) Chase's sale of the servicing
rights to the Rescheduled Loan.

              (e) By Chase, without cause, upon 90 days written notice to the
other party; provided, however, that if Chase terminates this Agreement pursuant
to the subparagraph (e), it shall pay Aegis the Termination Fee as reimbursement
for expenses relating to resulting transfer of processing.

          17. AEGIS NOT TO RESIGN/CHANGE BANK. Aegis shall not resign from the
obligations and duties hereby imposed on it, except upon consent of Chase, which
consent shall not be unreasonable withheld, or upon the determination that its
duties

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hereunder are no longer permissible under applicable law and such incapacity
cannot be cured. No such resignation shall become effective until a successor
conforming to the characteristics set forth in the following sentence has
assumed Aegis' responsibilities and obligations hereunder; provided, however,
Aegis and Chase shall cooperate in identifying such successor. Any successor
shall be an institution which is reasonably acceptable to Chase. Aegis shall not
change the banking institution with which it has a depository relation in
reference to the accounts that are the subject of this Agreement without the
prior written consent of Chase.

         18.  POST TERMINATION. Upon termination of this Agreement, Aegis shall
account for and turn over to Chase all funds collected under each Rescheduled
Loan less only the compensation then due Aegis, and if any compensation is in
dispute only the non-disputed portion of such compensation, and deliver to Chase
all records and documents relating to each such Rescheduled Loan that it may
have in its possession. Obligations relating to indemnification for breach of
duties, representations or warranties and to confidentiality, shall survive
termination of this Agreement.

         19.  INDEPENDENT CONTRACTOR. Aegis shall be an independent contractor
acting on its own behalf and for its own account and without authority to act
for or in behalf of Chase except as expressly set forth herein or as requested
by Chase in writing.

         20.  NOTICE. All notices from Aegis to Chase shall be sent by fax,
overnight mail or first class mail addressed to Chase at the address specified
below unless another address is designated in writing by Chase. All notices from
Chase to Aegis shall be sent by fax, overnight mail or first class mail
addressed to Aegis at the address specified below unless another address is
designated in writing by Aegis.

              If to Chase:
              Chase Mortgage Services, Inc.
              200 Old Wilson Bridge Road
              Worthington, Ohio 43085
              Attn: Gregg Harrington

              If to Aegis:
              Aegis Mortgage Acceleration Corp.
              Three Embarcadero Center
              Suite 2250
              San Francisco, CA 94111
              Attn: John P. Decker

         21.  ENTIRE AGREEMENT. On September 24, 1992, Aegis (as successor in
interest to Grant Financial Group, Inc.) entered into an Equity Accelerator
Program, Agreement with Chase (the "First Agreement") an agreement dated July
11, 1996 for

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certain Rescheduled Loans (the "Second Agreement"), and an Agreement dated
December 17, 1996 for the initial target mailing solicitation plan (the "Third
Agreement"). The First Agreement and the Third Agreement shall be replaced by
this Agreement This Agreement contain the entire agreement between the parties
pertaining to the First and Third Agreements. The Second Agreement remains in
force. No modification of this Agreement shall be valid unless in writing and
signed by the parties.

         22.  AEGIS REPRESENTATIONS. Aegis represents, warrants and covenants to
Chase that it is, and at all times during the term of this Agreement shall:

              (a) Have all material licenses, permits, franchises, certificates
and approvals required to enter into and to perform this Agreement,

              (b) Operate under procedures which do not violate or contradict
GNMA, FNMA and FHLMC guidelines pertaining to one-to-four family, residential
mortgage loans,

              (c) Comply with present and future GNMA, FNMA and FHLMC
requirements and the requirements of any private investor or insurer of a
mortgage loan subject to this Agreement.

              (d) Comply with applicable state and federal laws, rules and
regulations.

              (e) Make no representation, warranty or statement which contains
or will contain any untrue or inaccurate statement of a material fact or omit to
state a material fact necessary to make the statements made not misleading.

         23.  ADDITIONAL REPRESENTATION. Each party represents and warrants
that:

              (a) It is a corporation duly organized, validly existing and in
good standing under the laws of its jurisdiction;

              (b) It has full power, authority and capacity to enter into,
execute, deliver and perform this Agreement;

              (c) This Agreement constitutes its legal, valid, binding and
enforceable obligations; and

              (d) All corporate actions, covenants, resolutions and approvals
necessary for the execution and performance of this Agreement have been taken
and/or received.

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         24.  GOVERNING LAW. This Agreement is governed by the laws of the State
of Ohio.

         25.  ASSIGNMENT. Any sale, transfer or assignment, in whole or in part,
of any interest in or obligations under this Agreement, are subject to the other
party's written consent, which consent shall not be unreasonably withheld,
provided however that, Chase may, without consent, assign to an affiliate. A
sale transfer or assignment of more than fifty one percent (51%) of the stock,
or a change in control of more than fifty one percent (51%) of the stock. of a
party shall be deemed a sale, transfer or assignment requiring consent in
accordance with this Section 25. Each party shall promptly notify the other of
any sale, transfer or assignment or intended sale, transfer or assignment
requiring consent pursuant to the terms of this Section 25.

         26.  ESCROW AGREEMENT.

              (a) Aegis will place full complete and accurate working copies of
all software, software bard code, software operating instructions. subscriber
database, and daily administrative procedures, including minimum processing
system requirements, installation requirements, operating procedures, and
diskettes containing complete processing programs necessary to operate the
mortgage acceleration process, as well as an expanded customer service procedure
(collectively, the "Deposit") with Information Architects, Inc. (the "Escrow
Agent"), whose address is 261 Moe Street, P. 0. Box 205, Poulsbo, WA 98370,
within seven (7) days of the date of this Agreement Escrow Agent will confirm
with Chase its receipt of the Deposit within ten (10) days of the date of this
Agreement.

              (b) Aegis will provide Escrow Agent with an update of the Deposit
by the fifteenth (15th) day of each month. Escrow Agent will notify Chase by the
twentieth (20th) day of each month if it has not received the required
information.

              (c) Chase will notify Escrow Agent of any material breach by Aegis
of this Agreement Upon receipt of such notice, Escrow Agent will notify an
officer of Aegis in writing. If Aegis cannot cure the breach within ten (10)
business days, and notifies Escrow Agent that the breach cannot be cured within
this time, Escrow Agent shall deliver to Chase by overnight mail, the Deposit
without being required to obtain the consent of Aegis.

              (d) After such release of the Deposit to Chase, Chase may use the
Deposit solely, and only to extent necessary, for the purpose of curing the
breach which triggered the release. As soon as such breach is cured, or a work-
around or other intermediate solution is found, Chase shall return the Deposit,
and all copies thereof, to Escrow Agent.

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         27.  COSTS AND EXPENSES.

         Unless otherwise states herein, all obligations and responsibilities of
Aegis as set forth in this Agreement shall be at the sole costs and expense of
Aegis. Unless otherwise states herein, all obligations and responsibilities of
Chase as set forth in this Agreement shall be at the sole costs and expense of
Chase.

         IN WITNESS WHEREOF, each party has caused this Agreement to be signed
and executed in its corporate name by one of its duly authorized officers, all
as of the date first above written.

                               CHASE MORTGAGE SERVICES, INC.

                               Signature: /s/ J.  Gregory Harrington
                                         ---------------------------

                               Name: J.  Gregory Harrington
                                     -------------------------------

                               Title: First Vice President
                                     -------------------------------

                               Date: July 24, 1997
                                     -------------------------------

                               AEGIS MORTGAGE ACCELERATION CORP.

                               Signature: /s/ John Decker
                                         ---------------------------

                               Name: John Decker
                                     -------------------------------

                               Title: President
                                      ------------------------------

                               Date: July 24, 1997
                                     -------------------------------

                                       12
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                                   Exhibit A

                                Specifications

                              (To Be Determined)

<PAGE>

                                   Exhibit B

                                 Fee Structure

                                     [***]

Enrollment Fees due Chase will be calculated on a monthly basis and are earned
at the time a Subscriber is enrolled.  Program Fees due Chase will be calculated
on a monthly basis and are earned at the time a debit is completed.  Fees due
Chase shall be remitted to Chase by the 20th day of the month following the
month in which a fee is earned.

Aegis shall upon request by Chase perform payment processing functions pursuant
to the terms of this Agreement in connection with loans which are already
Rescheduled Loans.  The fee for set up of any such Rescheduled Loans shall be
[***] per such Rescheduled Loan due to Aegis from Chase, with the exception of
Rescheduled Loans acquired by Chase from Source One Mortgage for which the setup
fee shall be [***] per such Rescheduled Loan.

[***] Confidential treatment has been requested for certain portions of this
document

<PAGE>

            Amendment to Client Agreement, Exhibit B: Fee Schedule

This Amendment to the Client Agreement ("Agreement") dated July 24, 1997, is
effective as of October 1, 1999 between Chase Manhattan Mortgage Corporation
("Client") and Aegis Mortgage Acceleration Corp. ("Aegis").  It does not extend
the existing expiration date of the Agreement or change commissions for either
the [***], the [***] or the [***].

Aegis and Client hereby agree to utilize the new [***] product offer as
a major part of the continuing portfolio mailing program.  Under this program,
the Subscriber's enrollment fee is collected from [***] the standard Aegis'
[***] product in which the Subscriber pays the fee at the time of enrollment.

Aegis and Client hereby agree that Client will be paid a [***] commission for
all [***] new mailing subscribers and a [***] commission for all [***] remailing
subscribers and that Exhibit B to the Agreement shall be deemed to reflect these
commission amounts during its remaining term.

Except as amended herein the Agreement shall continue to be in full force and
effect.

Please indicate your acceptance of this Amendment by executing two copies below.

CHASE MANHATTAN MORTGAGE CORP.:         AEGIS MORTGAGE ACCELERATION CORP.:

By /s/ J. Gregory Harrington            By /s/ William R. Grant
   -----------------------------          --------------------------------
      J. Gregory Harrington,                 William R. Grant,
      Senior Vice President                  Vice President

Date 2/15/00                            Date 2/7/00
    ----------------------------            ------------------------------

Please sign, date and return one copy of this Amendment to:

Deirdre A. Gautieri
Aegis Mortgage Acceleration Corp.
Three Embarcadero Center, Suite 500
San Francisco, California 94111

[***] Confidential treatment has been requested for certain portions of this
document

<PAGE>

                                   Exhibit C

                          Relating to Marketing Plan

Aegis responsibilities include:

          .  Preparing a twelve month mailing schedule for the Program,
             including new mailings and re-mailings.

          .  Preparing Program Materials based on mutually agreed upon revisions
             to the Program Materials used in pilot mailings for Chase,
             including but not limited to the benefits statements.

          .  Providing counts and samples for Chase Approval of excluded and
             mailable loans.

          .  Printing off-set materials.

          .  Providing materials for and conducting Chase employee training as
             necessary.

          .  Managing all laser printing, folding, inserting and metering
             required in connection with any Program marketing materials.

          .  Conducting and bearing expense of all Campaigns, and assigning a
             Campaign tracking number to each. There shall be a minimum of five
             Campaigns per year, each of which shall result in a hit rate of at
             least two percent

          .  Providing effective follow-up to all Customer inquiries.

          .  Providing monthly reporting of marketing results.

Chase responsibilities include:

          .  Providing camera-ready artwork (logo slicks), sample materials, PMS
             colors.

          .  Preparing test tape of portfolio for Aegis data segmentation and
             layout testing.

          .  Providing a listing of exclusion criteria, and reviewing final
             exclusion criteria, for use in identifying loans that are
             ineligible for the Program.

          .  Cooperating in a limited amount of testing of alternative
             materials, offers or segmentation (not to exceed 20% of eligible
             loans).

<PAGE>

          .  Sending a new master file tape of the portfolio on a monthly basis
             until completion of the mailing schedule.

                                      C-2<PAGE>

                                                                   EXHIBIT 10.14

               MASTER AGREEMENT FOR TREASURY MANAGEMENT SERVICES

This Master Agreement for Treasury Management Services ("Agreement") is entered
into this 11th day of June, 1999, between NORWEST BANK IOWA, NATIONAL
ASSOCIATION, (the "Bank") and the undersigned customer AEGlS Mortgage
Acceleration Corp (the "Company").

The Bank offers and provides certain treasury management services to its
commercial customers, and the Company anticipates that it will from time to time
engage the Bank to perform all or some treasury management services under this
Agreement (the "Services").

The Bank and the Company agree:

1.   Scope of the Services.  The Bank shall provide the Company with the
     ---------------------
     treasury management services requested in writing and Services agreed to by
     the Bank. The Services are described in general terms in separate writings
     which are specifically incorporated into this Agreement (the "Product
     Descriptions"). The Company agrees to the terms and conditions contained in
     the applicable Product Description(s); the Bank's user guide (the "Guide"),
     if any, for each Service it requests; and the Bank's terms and conditions
     applicable to each account affected by the Services (the "Account Terms").
     Delivery and use of a Service shall be conclusively deemed to be agreement
     to the provisions contained in the applicable Product Description and
     Guide. The Bank may amend a Product Description, a Guide, or the Account
     Terms from time to time upon fourteen (14) days prior written notice. The
     Company acknowledges receiving a copy of the Account Terms and of the
     Product Description and Guide, if any, for the Services it has initially
     requested.

2.   Performance of the Services.  The Bank shall perform the Services in
     ---------------------------
     accordance with reasonable commercial standards applicable to the Bank's
     business; in conformity with rules, regulations or laws governing the
     activities of the Bank; and in accordance with this Agreement.

3.   Term.  This Agreement shall continue in effect unless terminated by either
     ----
     party upon seven (7) days prior written notice. The Bank may immediately
     terminate this Agreement without notice to the Company if the Company
     files, or has filed against it, a petition under the U.S. Bankruptcy Code
     or a similar state or federal law. Each additional Service shall commence
     within a reasonable time after the Bank agrees to provide it and shall
     continue in effect until terminated by written notice or termination of
     this Agreement.

4.   Service Fees: Taxes; Invoice; Payment.  The Company agrees to pay the Bank
     -------------------------------------
     for the Services in accordance with the Bank's fee schedule(s). The Bank
     may

                                                                         Page 1
<PAGE>

     modify its fee schedule(s) at any time upon prior notice. The Company
     also agrees to pay an amount equal to any taxes applicable to the Services,
     however designated, exclusive of taxes based on the net income of the Bank.
     Except as otherwise agreed in writing, all fees and taxes shall be charged
     monthly against the Company's accrued earnings allowance. The Bank may
     debit the Company's account(s) with the Bank for, or may bill the Company
     and the Company agrees promptly to pay, any amount by which the fees or
     taxes exceed such earnings allowance.

5.   Liability: Indemnification.  The Bank shall be responsible only for
     --------------------------
     performing the Services as expressly provided for in this Agreement, and
     shall be liable only for material losses directly resulting solely from its
     own negligence or intentional misconduct in performing those Services.
     Neither the Bank nor the Company shall have any liability for failure to
     perform or delay in performing the Services if such failure or delay is due
     to circumstances beyond that party's reasonable control. Each party agrees
     to make reasonable efforts to prevent such occurrences. In no event shall
     the Bank have any liability for any consequential, special, punitive or
     indirect loss or damage. The Company shall promptly furnish proof of loss
     in written form to the Bank, and shall provide the Bank all reasonable
     assistance in recovering a loss. If the Company is reimbursed by or on
     behalf of the Bank, the Bank or its designee shall be subrogated to all
     rights of the Company. Except to the extent that the Bank is liable under
     the terms of this Agreement, the Company agrees to indemnify and hold the
     Bank, its directors, officers, employees and agents harmless from all
     claims, demands, judgments, and expenses (including their reasonable
     attorneys' fees and legal expenses) arising out of or in any way connected
     with the performance of the Services. The Company agrees that this
     indemnification shall survive termination of this Agreement.

6.   Affiliates.  Present and future Bank affiliates may from time to time
     ----------
     provide one or more Services under the terms of this Agreement. In that
     event, the Bank shall notify the Company that the affiliate has agreed to
     provide the Service(s), the term "Bank" shall include the affiliate with
     respect to the Service, the Bank and the affiliate may share any
     information helpful in providing the Service and liability with respect to
     the Service shall be limited solely to the affiliate(s) providing the
     Service. The Company acknowledges that its consent to the release of
     information is not a condition of doing business with the Bank or its
     affiliates.

7.   General.  The laws of the state in which the principal office of the
     -------
     particular Bank providing the Service is located shall govern for all
     purposes. This Agreement shall constitute the entire agreement between the
     Bank and the Company and supersede prior oral or written representations,
     conditions, warranties, understandings, proposals or agreements regarding
     the Services. Headings do not constitute a part of this Agreement. Any
     notice or other communication may be

                                                                          Page 2
<PAGE>

     sent to the Company at its then current address on file with the Bank. The
     Bank will have a reasonable time after receipt of any notice or other
     communication to act on it. No provision may be modified except in writing
     signed by the party against whom the modification is to be enforced. No
     waiver of any right on one occasion will be a waiver of the same or any
     other right on a subsequent occasion. The Bank or the Company may assign
     this Agreement to any successor by merger, consolidation or corporate
     reorganization. Any invalidity, in whole or in part, of any provision shall
     not affect the validity of any other provision. The Bank may, grant credit
     to the Company in connection with the Services, but is not required to do
     so. Delivery and use of an informational Service occurs when the
     information is provided. The Bank may, without notice, refuse to honor any
     payment, transfer or withdrawal order which would result in an overdraft,
     even if it has previously allowed overdrafts. The Bank may establish cut-
     off times, and may change those cut-off times upon reasonable notice to the
     Company. Unless specifically defined in the applicable Product Description
     or Guide, the term "banking day" means that part of a business day
     occurring prior to the cut off time stated in the Bank's funds availability
     policy, and the term "business day" means that part of every calendar day
     except Saturdays, Sundays and federal holidays, during which the Bank is
     open to the public for carrying on substantially all of its banking
     functions. The Bank may disclose any information which in its opinion
     facilitates the performance of a Service. The Bank may at any time use
     agents and/or independent contractors to provide all or any portion of a
     Service.

The parties have caused this Agreement to be executed and warrant that their
respective signatory, whose signature(s) appears below, has been and is on the
date of this Agreement duly authorized by all necessary action in accordance
with its governing instruments to execute this Agreement.

Agreed To And Accepted By:                   Agreed To And Accepted By:

NORWEST BANK IOWA,                           AEGIS MORTGAGE
NATIONAL ASSOCIATION ("BANK")                ACCELERATION CORP. ("COMPANY")
By:  /s/ Tina Smith Fritz                    By:  /s/ Craig M.Compiano
   ------------------------------------         ------------------------------
Name:    Tina Smith Fritz                    Name:    Craig M. Compiano
     ----------------------------------           ----------------------------
Title:   Vice President                      Title:   Vice President
      ---------------------------------            ---------------------------

                                                                         Page 3
<PAGE>

                                                    Treasury Management Services
                                                    Implementation Authorization

--------------------------------------------------------------------------------
Customer Information:
--------------------------------------------------------------------------------
Customer Name                                Customer Contact
Aegis Mortgage Acceleration Corp             Craig Compiano
--------------------------------------------------------------------------------
Address                                      Tax Identification Number
3 Embarcadero CTR STE 500
--------------------------------------------------------------------------------
Address                                      Customer Phone Number
                                             415-743-1306
--------------------------------------------------------------------------------
Address                                      Customer Fax Number
--------------------------------------------------------------------------------
City               State  Zip Code           Contact Internet E-Mail Address
San Francisco      CA     94111-4008
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
Summary of Requested Services (Please check services desires):
--------------------------------------------------------------------------------

The following services are provided by: Norwest Bank Iowa, National Association
(Note:  The above named Norwest Bank may contract with other Norwest Bank legal
 ----
entities to provide some or all of the described services and are herein
approved as Norwest Affiliates under article 6 of the Master Agreement for
Treasury Management Services.)

Date:  June 11, 1999

<TABLE>
<CAPTION>
     DDA and Depository Services:                   Special DDA Arrangements                  Lockbox Services:
<S>                                            <C>                                       <C>
[_]  New Demand Deposit Account                [_]  Special Statement Cut Option         [_]  Retail Lockbox
[_]  Vault Depository, Coin/Currency Orders    [_]  Special Statement Delivery           [_]  Wholesale Lockbox
[_]  Pre-Qualified Check Deposit               [_]  Returned Item Special Instruct.      [_]  Wholesale Lockbox - 2 Party Secured
[_]  Deposit Account Reporting                 [_]  Check Cashing                        [_]  Wholesale Lockbox - 3 Party Secured
[_]  Interstate Deposit Banking                [_]  Electronic Account Analysis          [_]  Canadian Wholesale Lockbox
[_]  Electronic Bill Payment Consolidator      [_]  Consolidated Account Analysis
[_]  Standard Account Analysis                                                                Information Services:
                                                    Tax Services:                        [_]  BankTIES PC Services
     ACH Services:                             [_]  BankTIES Tax                         [_]  CustomConnect Information Services
[_]  ACH Origination (Debit or Credit)         [_]  DeposiTax                            [_]  ICIS Balance Reporting (Colorado)
[_]  ACH Debit Filter                          [_]  BankTIES ACH Tax Module              [_]  Manual Balance Reporting
[_]  3rd Party Payroll Origination                                                       [_]  Business Express/PC Services
[_]  3rd Party Cash Concentration (DTC)             Disbursement Services:               [_]  BankTIES (DOS for BAI, Lg. Corp.)
[X]  Bank TIES ACH                             [_]  Controlled Disbursement
[_]  Cross-Border ACH Services                 [_]  Payable Through Drafts                    Wire Sweep, Transfer Services:
[_]  Cross-Border ACH 3rd Party                [_]  Account Reconciliation Plan          [_]  Wire Transfer Origination/Receipt
                                               [_]  Positive Pay ARP                     [_]  Norwest PC Wire (DOS)
     Electronic Commerce Services:             [_]  Image CD-ROM                         [_]  BankTIES PC Services - Wire
[_]  EDI Receipt                               [_]  Electronic Stop Payments             [_]  Standing Instruction Wire Transfer
[_]  EDI Origination                           [_]  Purchasing Card                      [_]  Zero Balance Account
[_]  Check Production Outsourcing                                                        [_]  InvestAccount Sweep
[_]  Document Outsourcing                                                                [_]  Money Market Mutual Fund Sweep
[_]  Technical Consulting Custom Service                                                 [_]  EuroSweep Services
</TABLE>

--------------------------------------------------------------------------------
Special Instructions:
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
Customer Authorization:
--------------------------------------------------------------------------------

Printed Name: Craig Compiano               Printed Name: Tina Smith Fritz
             ---------------------------                ------------------------

Signature:    /s/ Craig Compiano           Signature:    /s/ Tina Smith Fritz
             ---------------------------                ------------------------

Title:       VP         Date: 6/14/99      Title:       VP        Date: 7/16/99
             ----------      -----------                ---------      --------

<PAGE>

                 SECURITY PROCEDURE AGREEMENT FOR ACH SERVICE

This Security Procedure Agreement for ACH Service (the 'Agreement') is entered
into this 11th day of June, 1999 between NORWEST BANK IOWA, NATIONAL ASSOCIATION
(the "Bank") and the undersigned customer AEGIS Mortgage Acceleration Corp. (the
"Company").

The Bank and the Company have entered into a Master Agreement for Treasury
Management Services*, supplemented by a Product Description which governs the
ACH Service to be provided by the Bank.

The Bank and the Company agree:

1.   Security Procedure Selection.  The Company acknowledges that the Bank
     ----------------------------
     offers each of the security procedures described below for the purpose of
     verifying the authenticity of an instruction to originate an ACH electronic
     credit or debit entry (a "payment order") received by the Bank in the name
     of the Company. The Company refuses to have its payment orders verified by
     any security procedure other than the security procedure it has expressly
     designated. The Company has reviewed each of these security procedures and
     has determined that the following security procedure best meets its
     requirements, given the size, type and frequency of the payment orders it
     will issue to the Bank (check one):

     PI    SecurID - File Transmission - This procedure combines a card with a
           ---------------------------
           personal identification number (PIN) known only by the Company and
           the Bank. The card generates a random and unique security code every
           minute. The code combines with the PIN to provide a unique password
           every minute. The password must be presented with the ACH
           transmission and is used by the Bank to authenticate the identity of
           the Company.

     (TM)  Password - File Transmission - This procedure requires that a
           ----------------------------
           unique eight digit code seperately agreed upon in writing by the
           Company and the Bank be presented with the Company's ACH file. The
           Company may be required to change the code on a regular basis.

     (TM)  Password - Taped or Written Instructions - This procedure requires
           ----------------------------------------
           that the Company present taped or written instructions in a tamper
           proof container accompanied by a unique code seperately agreed upon
           in writing by the Company and the Bank.

_____________________
* In the past referred to as the Master Agreement for Cash Management
Services. This document is incorporated under the Master Agreement for Cash
Management Services if one is already on file with Norwest.

                                                                          Page 1
<PAGE>

2.   Security Procedure Protection.  The Company and the Bank will preserve the
     -----------------------------
     confidentiality of the security procedure. If the Company becomes aware of
     a breach, or suspects that a breach may occur, it will immediately notify
     the Bank in a manner affording the Bank a reasonable opportunity to act on
     the information.

3.   Company Bound by Payment Orders.  The Company will be bound by any payment
     -------------------------------
     order, whether or not authorized, issued in its name and accepted by the
     Bank in compliance with the chosen security procedure.

4.   Inconsistency of Name and Number.  If a payment order describes (a) the
     --------------------------------
     receiver inconsistently by name and account number, payment may be made on
     the basis of the account number even if it identifies a person different
     from the named receiver, or (b) a participating financial institution
     inconsistently by name and identification number, the identification number
     may be relied upon as the proper identification of the financial
     institution.

The undersigned have caused this Agreement to be executed and warrant that their
respective signatory, whose signature(s) appears below, has been and is on date
of this Agreement date duly authorized by all necessary action in accordance
with its governing instruments to execute this Agreement.

Agreed To And Accepted By:                   Agreed To And Accepted By:

NORWEST BANK IOWA,                           AEGIS MORTGAGE
NATIONAL ASSOCIATION ("BANK")                ACCELERATION CORP. ("COMPANY")
By: /s/ Tina Smith Fritz                     By: /s/ Craig M. Compiano
   ------------------------------------         ------------------------------
Name: Tina Smith Fritz                       Name: Craig M. Compiano
     ----------------------------------           ----------------------------
Title: Vice President                        Title: Vice President
      ---------------------------------            ---------------------------
Date: 7/15/99                                Date: 6/14/99
     ----------------------------------           ----------------------------

                                                                          Page 2
<PAGE>

                SUBLICENSE AGREEMENT FOR BANKTIES(R) ACH SERVICE

This Agreement is entered into this 11th day of June, 1999, ("Effective Date"),
by and between Norwest Bank Iowa, National Association, (the "Bank") and AEGIS
Mortgage Acceleration Corp. (the "Company").

                                    RECITALS

WHEREAS, the Bank has sublicensed a certain software package from Politzer &
Haney ("P&H") entitled Auto Cash Version 2.01 ("ACT"), which constitutes the
"BankTIES ACH" software (the "Software"): and

WHEREAS, the Company desires to license the Software from the Bank for the
purpose of providing automated clearinghouse services (the "Services") through
the Bank; and

WHEREAS, the Bank and the Company have entered into an ACH Agreement for the
purposes of providing the Services (the "ACH Agreement"),

NOW, THEREFORE, the parties agree as follows:

1.   Use of Software.  The Software allows the Company to create and transmit to
     ---------------
     the Bank ACH transactions. The Bank hereby sublicenses the Software and the
     Documentation to the Company for the sole purpose of creating ACH
     transactions that will in all cases be transmitted to the Bank's host
     computer for processing and delivery to an Automated Clearing House ("ACH")
     or deposit to accounts maintained at the Bank ("on-us entries"). Each copy
     of the Software may be used on only one designated CPU and solely for the
     purpose described in this section. If, however, the Company's designated
     CPU becomes inoperative, the Company may use the Software on a temporary
     back-up CPU until the designated CPU again becomes operatonal.

2.   Tutorial System.  The Bank may choose to make available to the Company the
     ---------------
     Auto Cash Transfer Tutorial System (the "Tutorial System"). The Company
     agrees that the Tutorial System shall be used solely for use in the
     training of its employees in the use of the Software.

3.   Fee; Term.  Upon execution of this Agreement, the Company agrees to pay the
     ---------
     Bank a license as specified in the Bank's pricing schedule, receipt of
     which is hereby acknowledged by the Company. This Agreement shall commence
     on the Effective Date and shall remain in effect for the term of the ACH
     Agreement, unless canceled by either party upon prior written notice to the
     other party. Upon termination of this Agreement, the Company shall
     immediately return to the Bank all copies of the Software, the
     Documentation, and, if applicable, the Tutorial System.

                                                                         Page 3
<PAGE>

4.   Documentation.  The Bank will provide the Company with one copy of the
     -------------
     Software User Manual (the "Documentation"). Portions of the Documentation
     include documentation it has received from P&H. Those portions of the
     Documentation which have been received from P&H remain the property of P&H
     and are or may be copyrighted by P&H. All other portions of the
     Documentation remain the property of the Bank and are or may be copyrighted
     by the Bank.

5.   LIMITATION OF LIABILITY.  IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY
     -----------------------
     INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT
     LIMITED TO LOST DATA, PROGRAMS, PROFITS (ANTICIPATED, ACTUAL, OR
     OTHERWISE), OR BENEFITS RESULTING FROM USE OF, RELIANCE UPON, OR INABILITY
     TO USE THE SOFTWARE OR THE TUTORIAL SYSTEM, REGARDLESS OF WHETHER OR NOT
     THE BANK HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES AND
     REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING
     NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY OR FORM OF ACTION. IN NO
     EVENT SHALL THE BANK'S CUMULATIVE LIABILITY TO THE COMPANY IN RELATION TO
     THIS AGREEMENT AND THE TRANSACTIONS CONTEMPLATED HEREBY EXCEED A SUM EQUAL
     TO THE TOTAL LICENSE FEE ACTUALLY PAID TO THE BANK UNDER THIS AGREEMENT.

6.   WARRANTIES.  BOTH PARTIES ACKNOWLEDGE THAT THE BANK MAKES NO WARRANTIES,
     ----------
     EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF
     MERCHANTABILITY AND OF FITNESS FOR A PARTICULAR PURPOSE. ADDITIONALLY, P&H
     MAKE NO SUCH WARRANTIES. The sole and exclusive limited remedy of the
     company is the remedy described in Section 5 above.

7.   Export.  The Company agrees that the Software and the Tutorial System
     ------
     licensed hereunder shall not be exported directly or indirectly, separately
     or as a part of a system, without first obtaining a license from the U.S.
     Department of Commerce or any other appropriate agency of the U.S.
     Government as required. Diversion of Products contrary to U.S. law is
     prohibited. Nothing in this Section 6 shall be interpreted as expanding any
     of the Company's rights as otherwise stated in this Agreement.

8.   General.
     -------

     8.1. The Bank may make copies of any enhanced versions of the Software
          available to the Company at such price as the Bank shall determine at
          its sole discretion.

                                                                          Page 4
<PAGE>

     8.2. The Company recognizes that it is sublicensing the Software and, if
          applicable, the Tutorial System provided by P&H and acknowledges that
          P&H has the right to enforce this Agreement directly against the
          Company in the event of the breach by Company.

     8.3. The Company may not assign this Agreement or any of its rights
          hereunder to anyone.

     8.4. The waiver or failure of either party to exercise, in any respect, any
          right provided for under this Agreement shall not be deemed to be a
          waiver of any further right under this Agreement.

     8.5. This Agreement and the transactions contemplated hereby shall, except
          as may otherwise be required by the Bank's license agreement with P&H,
          be governed by and construed in accordance with the laws of the State
          of Minnesota and to the extent not inconsistent with this Agreement,
          and in accordance with the ACH Agreement.

     8.6. The Bank may discontinue to provide to the Company any maintenance or
          other product support which it now, or hereafter has agreed to provide
          upon prior written notice to the Company.

9.   Notice.  Any notice hereunder shall be in writing.
     ------

10.  Proprietary Rights.  The Software, the Tutorial System, all copies thereof
     ------------------
     and related documentation, and installation and operating manuals and
     Documentation ("Proprietary Information") are Proprietary Information of
     the Bank and/or P&H. All applicable rights in patents, copyrights,
     trademarks and trade secrets in the Proprietary Information are and will
     remain in the Bank and/or P&H. The Company shall not assign, sell,
     transfer, publish, disclose, display or otherwise make available any
     Proprietary Information to others. The Company shall secure and protect the
     same in a manner consistent with maintenance of the rights therein and take
     appropriate action by instruction or agreement with its employees who are
     permitted access to such Proprietary Information to satisfy its obligations
     hereunder. The Company hereby acknowledges that, except as specifically set
     forth herein, or as may be permitted in writing by the Bank, the Company
     shall not

     10.1.  provide, transmit; sub-sublicense, transfer or otherwise distribute
            the Software or any part thereof to a third party, or

     10.2.  copy, reverse engineer, reverse compile, or reverse assemble,
            modify, or alter the Software or any part thereof.

IN WITNESS WHEREOF, the parties have caused this Agreement to be executed by
their duly authorized representatives on the day and date first above written.

                                                                          Page 5
<PAGE>

Agreed To And Accepted By:                   Agreed To And Accepted By:

NORWEST BANK IOWA,                           AEGIS MORTGAGE
NATIONAL ASSOCIATION  ("BANK")               ACCELERATION CORP. ("COMPANY")
By: /s/ TINA SMITH FRITZ                     By: /s/ CRAIG M. COMPIANO
   ------------------------------------         -------------------------------
Name: TINA SMITH FRITZ                       Name: CRAIG M. COMPIANO
     ----------------------------------           -----------------------------
Title: VICE PRESIDENT                        Title: VICE PRESIDENT
      ---------------------------------            ----------------------------
Date: 7/15/99                                Date: 6/14/99
     ----------------------------------           -----------------------------

                                                                          Page 6

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