Document:

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                                                                  Exhibit 10.7

                                  ZENGINE, INC.

                          REGISTRATION RIGHTS AGREEMENT

         Registration Rights Agreement dated as of September 30, 1999 (this
"AGREEMENT"), among ZENGINE, INC., a Delaware corporation (the "COMPANY"), and
the Persons executing a counterpart of this Agreement listed as Investors and
Founders on the signature pages of this Agreement.

                              PRELIMINARY STATEMENT

         The Company desires to grant the registration rights set forth herein.
In consideration of the mutual representations and agreements set forth in this
Agreement, the Company and the Holders agree as follows.

                                    AGREEMENT

SECTION 1.     DEFINITIONS.

         As used in this Agreement, the following terms shall have the following
meanings:

          "AFFILIATE" means any entity controlling, controlled by or under
common control with a designated Person. For the purposes of this definition,
"control" shall have the meaning specified as of the date of this Agreement for
that word in Rule 405 promulgated by the Commission under the Securities Act.

          "AT HOME" means At Home Corporation, a Delaware corporation.

          "BOARD" means the Board of Directors of the Company.

          "COMMISSION" means the Securities and Exchange Commission, and any
successor thereto.

          "COMMON STOCK" means the Company's Common Stock, no par value per
share.

          "EXCHANGE ACT" means the Securities Exchange Act of 1934, as amended.

          "FOUNDERS" means the persons listed as Founders on the signature pages
to this Agreement.

          "HOLDERS" means (a) the Investors and the Founders, and (b) any
subsequent legal or beneficial owner of Registrable Securities who has become a
party to this Agreement in accordance with the terms hereof.

          "INVESTORS" means At Home and Wilblairco.

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          "PERSON" means an individual, partnership, corporation, business
trust, limited liability company, joint stock company, trust, unincorporated
association, joint venture, or other similar entity.

          "QUALIFIED PUBLIC OFFERING" means the first sale to the public of
Common Stock pursuant to an effective registration statement under the
Securities Act under which (a) the aggregate price to the public of the Common
Stock actually sold to the public in such first sale, less the amount of
underwriters' and brokers' commissions and expense allowances paid by the
Company in connection with the original sale of such Common Stock, is $25.0
million or more, and (b) results in the Common Stock being listed on the New
York Stock Exchange, the American Stock Exchange or the Nasdaq Stock Market
(formerly known as the NASDAQ National Market).

          "REGISTRABLE SECURITIES" means (a) any shares of Common Stock acquired
by the Investors pursuant to that certain Stock Purchase Agreement of even date
herewith by and among the Company, Miami Computer Supply Corporation and the
Investors (the "INVESTORS' COMMON STOCK"); (b) any shares of Common Stock owned
by a Founder on the date hereof or acquired by a Founder upon exercise of an
option to purchase Common Stock outstanding on the date hereof (the "FOUNDERS'
COMMON STOCK") (the Investors' Common Stock and the Founders' Common Stock are
sometimes collectively referred to herein as the "HOLDERS' COMMON STOCK"); (c)
any shares of Common Stock which were issued as, or were issued directly or
indirectly upon the conversion of other securities issued as, a dividend or
other distribution with respect to, or in replacement of, the Holders' Common
Stock; and (d) any shares of Common Stock then issuable directly or indirectly
upon the conversion or exercise of other securities issued as a dividend or
other distribution with respect to, or in replacement of, the Holders' Common
Stock; PROVIDED, HOWEVER, that outstanding shares of Common Stock shall no
longer be Registrable Securities when they shall have been (y) effectively
registered under the Securities Act and sold by the holder thereof in accordance
with such registration, or (z) sold to the public pursuant to Rule 144.

          "RULE 144" means Rule 144 promulgated by the Commission under the
Securities Act, as such rule may be amended from time to time, or any successor
rule thereto.

          "SECURITIES ACT" means the Securities Act of 1933, as amended.

          "WILBLAIRCO" means Wilblairco Associates, an Illinois general
partnership.

SECTION 2.     DEMAND REGISTRATIONS.

     SECTION 2.1. At any time after 180 days after a Qualified Public Offering
or such shorter period after a Qualified Public Offering as to which the Company
may consent, which consent shall not be unreasonably withheld, by a written
notice to the Company, the Holder or Holders of Registrable Securities may from
time to time request that the Company register any Registrable Securities as
specified in the notice, under the Securities Act and under other relevant
securities laws, for disposition in accordance with methods stated in the notice
(a "DEMAND REGISTRATION").

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     SECTION 2.2. When the Company receives a registration notice under Section
2.1, it shall, within 10 days of receipt of such notice, deliver a copy of the
registration notice to each Holder who is not a party to the registration
notice, each of whom may then specify, by notice to the Company within 10 days
of receipt of such notice, a number of Registrable Securities held by it which
it wishes to include in any registration pursuant to the registration notice
under Section 2.1.

     SECTION 2.3. When the Company receives a registration notice under Section
2.1, it shall use its best efforts to effect the registration under the
Securities Act and applicable state securities laws of the Registrable
Securities specified in the registration notice under Section 2.1 and subsequent
notices under Section 2.2, all to the extent required to permit disposition by
such Holders in accordance with the intended methods of disposition described in
the registration notice.

SECTION 3.     INCIDENTAL REGISTRATION.

         The Company shall give at least thirty (30) days' advance written
notice to each Holder of the Company's intention to register any of its Common
Stock under the Securities Act. Each Holder may then specify, by notice to the
Company within 10 days of receipt of such notice, a number of shares of
Registrable Securities held by it which it wishes to include in the Company's
proposed registration (the "INCIDENTAL REGISTRATION"). Subject to the
limitations of Section 8, the Company will use its best efforts to effect the
registration under the Securities Act and applicable state securities laws of
Registrable Securities specified by Holders under this Section 3.

SECTION 4.     LIMITATIONS ON REGISTRATION RIGHTS.

         Notwithstanding any contrary provision of this Agreement:

               (a)  The Company shall not be required to effect a registration
          pursuant to Section 2 unless the number of securities proposed to be
          included in such registration (including any Registrable Securities to
          be included pursuant to Section 2.2), have a proposed sale price
          (which may be based upon the then current market price) equal to at
          least $15.0 million.

               (b)  The Company shall not be required to effect more than three
          (3) registrations pursuant to Section 2 (PROVIDED, HOWEVER, that a
          demand for registration shall not count as a registration permitted
          pursuant to Section 2 under this clause (a) if either (y) the
          registration statement filed with respect to such registration is not
          declared effective by the Commission, or (z) the Holders requesting
          registration of Registrable Securities under Sections 2.1 and 2.2 do
          not register and sell at least 75% of the Registrable Securities they
          have requested be included in such registration for reasons other than
          their voluntary decision not to do so).

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               (c)  The Company shall not be required to effect more than one
          (1) Demand Registration in any six (6) month period.

               (d)  Section 3 shall not apply to a registration effected solely
          to implement an employee benefit plan or a registration on Form S-4
          (or any successor form) or to any other form or type of registration
          which does not permit inclusion of the Registrable Securities pursuant
          to Commission rule or practice.

               (e)  The Company may delay the filing of a registration statement
          relating to a Demand Registration if (i) the Company has filed, or has
          taken substantial steps toward filing, a registration statement
          relating to the sale of any of the Company's securities (the "COMPANY
          SECURITIES") in an underwritten offering and the managing underwriter
          of such offering is of the opinion that the filing of a registration
          statement with respect to a Demand Registration would adversely affect
          the offering by the Company of the Company Securities, or (ii) the
          Board of Directors of the Company determines in good faith, by
          resolution, that the filing of a registration statement, if not so
          deferred, would adversely affect a then-proposed or pending Company
          financing, acquisition, merger or other corporate transaction;
          PROVIDED that such delay may not exceed 40 days and such right may not
          be exercised by the Company more than once in any 180 day period.

SECTION 5.     REGISTRATION PROCEDURES.

     SECTION 5.1. Subject to Section 4, whenever the Company is required by the
provisions of this Agreement to use its best efforts to effect the registration
of any Registrable Securities under the Securities Act, the Company will, as
expeditiously as possible:

          (a)  in the case of a registration required under Section 2, and
subject to Section 12 below, engage the underwriters designated by the Company
(and approved pursuant to Section 12 by the Investors giving notice under
Section 2);

          (b)  in connection with a request pursuant to Section 2, prepare and
file with the Commission within sixty (60) days after receipt of a request to
file a registration statement, on any form for which the Company then qualifies
or which counsel for the Company shall deem appropriate and which form shall be
available for the sale of the Registrable Securities in accordance with the
intended method of distribution thereof, and in connection with any registration
statement filed for Registrable Securities hereunder, use is best efforts to
cause such registration statement to become effective. In connection with the
preparation and filing of each registration statement registering Registrable
Securities under this Agreement, the Company will give the Holders of
Registrable Securities on whose behalf such Registrable Securities are to be so
registered and their underwriter, if any, and their respective counsel and
accountants, the opportunity to participate in the preparation of such
registration statement, each prospectus included therein or filed with the
Commission, and each amendment thereof or supplement thereto. Without limiting
the foregoing, each registration statement, prospectus, amendment, supplement or
any other document filed with respect to a registration under this

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Agreement shall be subject to the timely review and reasonable approval by the
Holders registering Registrable Securities in such registration and by their
counsel;

          (c)  prepare and file with the Commission such amendments and
supplements to such registration statement and the prospectus used in connection
therewith as may be necessary to keep such registration statement effective for
a period of not less than one hundred twenty (120) days or such shorter period
which will terminate when all Registrable Securities covered by such
registration statement have been sold (but not before the expiration of the
ninety (90) day or shorter, as applicable, period referred to in Section 4(3) of
the Securities Act and Rule 174 or other comparable provisions thereunder, if
applicable), and comply with the provisions of the Securities Act applicable to
it with respect to the disposition of all securities covered by such
registration statement during the applicable period in accordance with the
intended methods of disposition by the sellers thereof set forth in such
registration statement or supplement to the prospectus;

          (d)  furnish to each Holder participating in the offering and the
managing underwriter or underwriters without charge, at least one signed copy of
the registration statement (including amendments) and any post-effective
amendment thereto and such reasonable number of conformed copies thereof and
such reasonable number of copies of the prospectus (including any preliminary
prospectus) and any amendments or supplements thereto, and any documents
incorporated by reference therein, as such Holder of Registrable Securities or
managing underwriter may request in order to facilitate the disposition of the
Registrable Securities being sold by such Holder (it being understood that the
Company consents to the use of the prospectus and any amendment or supplement
thereto by each Holder of Registrable Securities covered by the registration
statement and the managing underwriter or underwriters (or any other underwriter
or dealer who is required to deliver the prospectus), if any, in connection with
the offering and sale of the Registrable Securities covered by the prospectus or
any amendment or supplement thereto);

          (e)  notify any Holder on whose behalf Registrable Securities are
being registered under this Agreement of any stop order issued or threatened by
the Commission and take all reasonable actions required to prevent the entry of
such stop order or to remove it if entered and make every reasonable effort to
obtain the withdrawal of any order suspending the effectiveness of the
registration statement at the earliest possible moment;

          (f)  enter into a written agreement with the managing underwriter or
underwriters selected in the manner herein provided in such form and containing
such representations and warranties by the Company and such other terms and
provisions as are customarily contained in underwriting agreements with respect
to secondary distributions and as may be negotiated by the Company and the
managing underwriter or underwriters, including, without limitation, provisions
relating to indemnification and contribution. The Holders on whose behalf
Registrable Securities are to be distributed by such underwriters shall be
parties to any such underwriting agreement, and the representations and
warranties by, and the other agreements on the part of, the Company

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to and for the benefit of such underwriters shall also be made to and for the
benefit of such Holders of Registrable Securities;

          (g)  if requested by the managing underwriter or underwriters or any
Holder of Registrable Securities covered by the registration statement, promptly
incorporate in a prospectus supplement or post-effective amendment such
information as the managing underwriter or underwriters or such Holder
reasonably requests to be included therein, including, without limitation, with
respect to the number of Registrable Securities being sold by such Holder to
such underwriter or underwriters, the purchase price being paid therefor by such
underwriter or underwriters and with respect to any other terms of the offering
of the Registrable Securities to be sold in such offering; and make all required
filings of such prospectus supplement or post-effective amendment as soon as
reasonably possible after being notified of the matters to be incorporated in
such prospectus supplement or post-effective amendment;

          (h)  on or prior to the date on which the registration statement is
declared effective, use its best efforts to register or qualify, and cooperate
with the Holders of Registrable Securities included in such registration
statement, the underwriter or underwriters, if any, and their counsel in
connection with the registration or qualification of, the Registrable Securities
covered by the registration statement for offer and sale under the securities or
blue sky laws of each state and other jurisdiction of the United States as any
such Holder or underwriter reasonably requests in writing, to use its best
efforts to keep each such registration or qualification effective, including
through new filings, or amendments or renewals, during the period such
registration statement is required to be kept effective pursuant to Section 5(c)
above, and to do any and all reasonable acts or things necessary or advisable to
permit the disposition in all such jurisdictions of the Registrable Securities
covered by the applicable registration statement; PROVIDED, HOWEVER, that the
Company will not be required (i) to qualify generally to do business in any
jurisdiction where it would not otherwise be required to qualify, (ii) to
subject itself to taxation in such jurisdiction or (iii) to consent to general
service of process in any such jurisdiction;

          (i)  use its best efforts to cause the Registrable Securities included
in such registration statement to be registered with or approved by such other
governmental agencies or authorities as may be necessary to enable the seller or
sellers or the underwriter or underwriters, if any, thereof to consummate the
disposition of such Registrable Securities;

          (j)  cooperate with the Holders of Registrable Securities covered by
the registration statement and the managing underwriter or underwriters, if any,
to facilitate the timely preparation and delivery of certificates (not bearing
any restrictive legends) representing securities to be sold under the
registration statement, and to allow such securities to be in such denominations
and registered in such names as the managing underwriter or underwriters, if
any, or such Holders may request;

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          (k)  promptly notify each Holder on whose behalf Registrable
Securities have been registered pursuant to this Agreement, at any time when a
prospectus relating thereto is required to be delivered under the Securities
Act, of the happening of any event as a result of which the prospectus included
in such registration statement (as then in effect) contains an untrue statement
of a material fact or omits to state any material fact required to be stated
therein or necessary to make the statements therein not misleading and, as
promptly as practicable thereafter, prepare and file with the Commission and
furnish a supplement or amendment to such prospectus so that, as thereafter
delivered to the purchasers of such Registrable Securities, such prospectus will
not contain any untrue statement of a material fact or omit to state a material
fact required to be stated therein or necessary to make the statements therein
not misleading;

          (l)  use its best efforts to cause all such Registrable Securities
included in such registration statement to be listed by the date of the first
sale of Registrable Securities pursuant to such registration statement on the
national securities exchange or interdealer quotation system where such class of
securities is then being traded;

          (m)  subject to the execution of a confidentiality agreement
reasonably satisfactory to the Company, upon reasonable advance notice, make
available at the Company's offices for inspection, during normal business hours,
by any Holder on whose behalf Registrable Securities are being registered under
this Agreement, any underwriter participating in any disposition pursuant to
such registration statement, and any attorney, accountant, or other agent
retained by any such Holder or underwriter (collectively, the "INSPECTORS"), all
financial and other records, pertinent corporate documents, and properties of
the Company and its subsidiaries (collectively, the "RECORDS") as shall be
reasonably necessary to permit them to perform a reasonable investigation of the
Company and cause the Company's officers, directors, employees counsel, and
public accountants to supply all information reasonably requested by any such
Inspector in connection with such registration statement;

          (n)  furnish, at the request of any Holder of Registrable Securities
sold in such offering, on any date that any Registrable Security is delivered to
the underwriters for sale pursuant to such registration or, if there is no
underwriter, on the effective date of the registration statement: (i) an opinion
dated such date from counsel representing the Company for the purposes of such
registration, addressed to the underwriters and to such Holder, stating that,
based solely on a communication received from the Commission, to the actual
knowledge of such counsel such registration statement has become effective under
the Securities Act and that (A) based solely on a communication received from
the Commission, to the actual knowledge of such counsel, no stop order
suspending the effectiveness thereof has been issued and no proceedings for that
purpose have been instituted or are pending or contemplated under the Securities
Act, (B) the registration statement, the related prospectus, and each amendment
or supplement thereto, comply as to form in all material respects with the
requirements of the Securities Act and the applicable rules and regulations of
the Commission thereunder (except that such counsel need express no opinion as
to financial statements and other financial and statistical data and schedules
and information provided by the Holders and the underwriters in writing

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for inclusion in the registration statement or prospectus contained therein),
(C) the opinion covers such other items with respect to the registration as are
customarily covered in opinions of issuer's counsel delivered to underwriters in
connection with underwritten public offerings of securities and (D) a separate
letter from such counsel that states that such counsel has no reason to believe
that the registration statement, prospectus or any amendment or supplement
thereto, as of their respective effective or issue dates and as of the date of
the letter (except as to the financial statements, and other financial and
statistical data and schedules included therein, and as to the information
provided by the Holders and the underwriters in writing for inclusion therein,
as to which counsel need express no view), contained or contains an untrue
statement of a material fact or omitted to state a material fact required to be
stated therein or necessary to make the statements therein, in light of the
circumstances under which they were made, not misleading, and (ii) a letter
dated such date from the independent accountants retained by the Company,
addressed to the underwriters and such Holder, stating that they are independent
public accountants within the meaning of the Securities Act and that, in the
opinion of such accountants, the financial statements of the Company included in
the registration statement or the prospectus, or any amendment thereof or
supplement thereto, comply as to form in all material respects with then
applicable accounting requirements of the Securities Act, and such letter shall
additionally cover such other financial matters (including information with
respect to events subsequent to the date of such financial statements) with
respect to the registration (including with respect to such registration
statement and the prospectus included therein) in respect of which such letter
is being given as are customarily covered in accountant's letters delivered to
underwriters in connection with an underwritten public offering of securities;

          (o)  otherwise use its best efforts to comply with all applicable
rules and regulations of the Commission, to make generally available an earnings
statement covering a period of twelve (12) months, beginning within three (3)
months after the effective date of the registration statement, which earnings
statement shall satisfy the provisions of Section 11(a) of the Securities Act
and Rule 158 thereunder (or other comparable provisions);

          (p)  keep all Holders of Registrable Securities reasonably advised as
to the initiation of proceedings for such registration and qualification and as
to the completion thereof, and will advise any such Holder, upon request, of the
progress of such proceedings; and

          (q)  in connection with any registration of Registrable Securities
under this Agreement, the Company will provide a transfer agent and registrar
for the Registrable Securities not later than the effective date of such
registration statement.

         Each Holder of Registrable Securities as to which registration is being
effected pursuant hereto shall use its best efforts to cooperate with the
Company, and the Company may require each seller of Registrable Securities as to
which any registration is being effected to furnish to the Company such
information regarding the distribution of such securities as the Company may
from time to time reasonably request in writing. Each Holder of Registrable
Securities agrees by

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acquisition of such Registrable Securities that, upon receipt of any notice from
the Company of the happening of any event of the kind described in Section 5(k)
hereof, such Holder will forthwith discontinue disposition of Registrable
Securities pursuant to the registration statement covering such Registrable
Securities until such Holder's receipt of the copies of the supplemented or
amended prospectus contemplated by Section 5(k) hereof, and, if so directed by
the Company, such Holder will deliver to the Company (at the Company's expense)
all copies, other than permanent file copies then in such Holder's possession
(which shall not be circulated), of the prospectus covering such Registrable
Securities current at the time of receipt of such notice. In the event the
Company shall give any such notice, the period mentioned in Section 5(c) hereof
shall be extended by the number of days during the period from and including the
date of the giving of such notice pursuant to Section 5(k) hereof to and
including the date when each seller of Registrable Securities covered by such
registration statement shall have received the copies of the supplemented or
amended prospectus contemplated by Section 5(k) hereof.

         If any Demand or Incidental Registration is to be underwritten, then
the Holders shall be parties to the underwriting agreement between the Company
and such underwriters who may, at their option, require that the Holders provide
usual and customary representations and warranties solely with respect to such
Holder to and for the benefit of such underwriters. No Holder may participate in
any underwritten Demand or Incidental Registration unless such Holder (i) agrees
to sell its Holders' Common Stock on the basis provided in any underwriting
arrangement, and (ii) completes and executes all questionnaires, powers of
attorney, indemnities regarding written information supplied by the Holders for
inclusion in the prospectus, securities escrow agreements, underwriting
agreements and other documents reasonably required under the terms of such
underwriting, to the satisfaction of the managing underwriter or underwriters.
All representations and warranties made by the Holders in the underwriting
agreement to and for the benefit of the underwriters shall also be made to and
for the benefit of the Company.

         Each Holder participating in a Demand or Incidental Registration shall
promptly notify the Company and any managing underwriter, at any time when a
prospectus relating thereto is required to be delivered under the Securities
Act, of the happening of any event as a result of which any information
previously provided by such Holder in writing for inclusion in the prospectus
included in such registration statement is no longer true and correct in all
material respects. In such event, such Holder will provide the Company with such
information as may be necessary to permit the Company to amend or supplement the
prospectus so as not to include an untrue statement of a material fact or omit
to state a material fact necessary to make the statements therein (solely as
they may relate to the Holder or its intended method of distribution) not
misleading, in light of the circumstances under which they were made.

SECTION 6.     EXPENSES.

         The Company shall pay all reasonable expenses incurred in effecting all
registrations of Registrable Securities pursuant to this Agreement, including,
without limitation, all registration and filing fees (including NASD filing
fees), listing fees, printing expenses, fees and disbursements of counsel and
accountants for the Company, underwriting expenses other than discounts and
commissions, the reasonable fees and expenses of not more than one firm of

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attorneys as counsel to the Investors and expenses of any audits incident to or
required by any such registration and expenses of complying with the securities
or blue sky laws of any jurisdictions pursuant to Section 5 of this Agreement.

SECTION 7.     INDEMNIFICATION.

         (a) INDEMNIFICATION BY COMPANY. The Company hereby agrees to indemnify
and to save and hold harmless each Holder of Registrable Securities, the
officers, directors and partners and partners of partners of any Holder, and
each Person, if any, who controls such Holder (within the meaning of the
Securities Act or the Exchange Act) from and against any and all losses, claims,
damages, liabilities and expenses (including reasonable attorneys fees and
expenses and reasonable costs of investigation) to which the Holder or any such
other Person may be subject, under the Securities Act or otherwise, arising out
of or based on any untrue or alleged untrue statement of a material fact
contained in any registration statement or prospectus relating to the
Registrable Securities or in any amendment or supplement thereto or in any
preliminary prospectus or the qualification of the Registrable Securities under
any state securities laws, or arising out of or based upon any omission or
alleged omission to state therein a material fact required to be stated therein
or necessary to make the statements therein not misleading, or arising out of or
based upon any violation or alleged violation by the Company of the Securities
Act, the Exchange Act or any other federal or state securities laws, rules or
regulations applicable to the Company and relating to action or inaction by the
Company in connection with any such registration or qualification, except
insofar as the same arise out of reliance upon any untrue statement furnished in
writing to the Company by such Holder (or, if it is an underwritten offering, an
underwriter selected by such Holders), expressly for use therein; PROVIDED that
the Company shall not be required to indemnify any Holder of Registrable
Securities for damages caused by such Holder's continuing to use a prospectus
with respect to which such Holder has received a notice pursuant to Section 5(k)
hereof or if the Holder has given notice to the Company pursuant to the last
paragraph of Section 5. In connection with an underwritten offering, the Company
will, pursuant to a separate agreement to be negotiated between the Company and
such underwriters, agree to indemnify the underwriters thereof, their officers,
directors and partners and partners of partners, and each Person who controls
(within the meaning of the Securities Act or the Exchange Act) such underwriters
(collectively, "SECURITIES PROFESSIONALS"). In addition to its other obligations
under this Section 7(a), the Company agrees that, as an interim measure during
the pendency of any claim, action, investigation, inquiry or other proceeding
arising out of or based upon any statement or omission, or any alleged statement
or omission, described in this Section 7(a), it will reimburse the indemnified
parties on a monthly basis for all reasonable and documented legal and other
expenses incurred in connection with investigating or defending any such claim,
action, investigation, inquiry or other proceeding, notwithstanding the absence
of a judicial determination as to the propriety and enforceability of their
obligation to reimburse the indemnified parties for such expenses and the
possibility that such payments might later be held to have been improper by a
court of competent jurisdiction, PROVIDED that in the event such payments are
later held to have been improper by a court of competent jurisdiction such
indemnified person shall repay such amounts to the Company on demand. This
indemnity agreement will be in addition to any liability which the Company and
the Parent may otherwise have.

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         (b) INDEMNIFICATION BY HOLDER OF REGISTRABLE SECURITIES. In connection
with any registration statement in which a Holder of Registrable Securities is
participating, each such Holder will furnish to the Company in writing such
information with respect to such Holder as the Company reasonably requests for
use in connection with any such registration statement or prospectus and agrees
to indemnify, severally and not jointly, the Company, each of the Company's
directors and officers, and each Person, if any, who controls the Company
(within the meaning of the Securities Act or the Exchange Act) against any
losses, claims, damages, liabilities, and expenses (including reasonable and
documented attorneys' fees and expenses and reasonable costs of investigation)
arising out of or based on any untrue statement of a material fact or any
omission of a material fact required to be stated in the registration statement
or prospectus or any amendment thereof or supplement thereto or necessary to
make the statements therein not misleading, to the extent, but only to the
extent, that such untrue statement or omission is made in reliance upon and in
conformity with information with respect to such Holder furnished in writing to
the Company by such Holder specifically for use in such registration statement
or prospectus or amendment thereof or supplement thereto; PROVIDED, HOWEVER,
that the liability of any such Holder under this Section 7 (including, without
limitation, Section 7(d) below) shall in no event exceed the net proceeds of the
sale of Registrable Securities being sold pursuant to said registration
statement or prospectus by such Holder; and PROVIDED, FURTHER that no such
Holder shall be required to indemnify the Company for damages caused by any
Person (other than such Holder), including the Company, continuing to use a
prospectus (prior to its amendment or supplementation) after the Company has
received a notice by such Holder of any such untrue statement or omission
contained in such prospectus. In addition to its other obligations under this
Section 7(b), each Holder agrees that, as an interim measure during the pendency
of any claim, action, investigation, inquiry or other proceeding arising out of
or based upon any statement or omission, or any alleged statement or omission,
described in this Section 7(b), it will reimburse the indemnified party on a
monthly basis for all reasonable and documented legal and other expenses
incurred in connection with investigating or defending any such claim, action,
investigation, inquiry or other proceeding, notwithstanding the absence of a
judicial determination as to the propriety and enforceability of the Holder's
obligation to reimburse the indemnified party for such expenses and the
possibility that such payments might later be held to have been improper by a
court of competent jurisdiction, PROVIDED that in the event such payments are
later held to have been improper by a court of competent jurisdiction such
indemnified person shall repay such amounts to the Holder providing such
indemnification on demand. This indemnity agreement will be in addition to any
liability which the Holders may otherwise have.

         (c) CONDUCT OF INDEMNIFICATION PROCEEDING. If any action, suit,
investigation or proceeding (including any governmental investigation) is
brought or asserted against an indemnified party in respect of which
indemnity may be sought hereunder, the indemnifying party shall assume the
defense thereof, including the employment of counsel reasonably satisfactory
to such indemnified party, to represent such indemnified party in connection
with investigating, defending or preparing to defend any such action, suit,
investigation or proceeding, and shall pay all reasonable and documented
expenses in connection therewith. Such indemnified party shall have the right
to employ separate counsel in any such action and either direct its own
defense or participate in the indemnified party's defense thereof, but the
reasonable and documented fees and expenses of such counsel shall be at the
expense of such indemnified

                                      -11-
<PAGE>

party, unless (i) the indemnifying party has agreed to pay such fees and
expenses or (ii) the named parties to any such action, suit, investigation or
proceeding (including any impleaded parties) include both the indemnifying
party and the indemnified party, and such indemnified party shall have
reasonably concluded that there may be one or more legal defenses available
to such indemnified party which are different from or additional to those
available to the indemnifying party or (iii) the indemnifying party shall not
have provided counsel to take charge of such defense, then in any of such
events referred to in clause (i), (ii) or (iii), if such indemnified party
notifies the indemnifying party in writing that it elects to employ separate
counsel at the expense of the indemnifying party, the indemnifying party
shall not have the right to assume the defense of such action or proceeding
on behalf of such indemnified party, it being understood, however, that the
indemnifying party shall not, in connection with any one such action, suit,
investigation or proceeding or separate but substantially similar or related
actions, suits, investigations or proceedings in the same jurisdiction
arising out of the same general allegations or circumstances, be liable for
the fees and expenses of more than one separate firm of attorneys (together
with appropriate local counsel) at any time for the indemnified parties and,
if such indemnified parties are Holders, such firm shall be designated in
writing by a majority of the Holders. The indemnifying party shall not be
liable for any settlement of any such action, suit, investigation or
proceeding effected without its written consent (but such consent shall not
be unreasonably withheld), but if any action, suit, investigation or
proceeding is settled with the indemnifying party's consent, or if there be a
final judgment for the plaintiff in any such action, suit, investigation or
proceeding, the indemnifying party agrees to indemnify and hold harmless the
indemnifying party and such other Person from and against any loss or
liability (to the extent stated above) by reason of such settlement or
judgment. The indemnifying party will not consent to entry of any judgment or
enter into any settlement which does not include as an unconditional term
thereof the giving by the claimant or plaintiff to such indemnified party of
a release from all liability in respect of such action, claim or litigation.

         (d) CONTRIBUTION. If the indemnification provided for in this Section 7
is unavailable to an indemnified party under this Section 7 in respect of any
losses, claims, damages, liabilities, expenses or judgments referred to herein,
then each such indemnifying party, in lieu of indemnifying such indemnified
party, shall contribute to the amount paid or payable by such indemnified party
as a result of such losses, claims, damages, liabilities, expenses and judgments
in such proportion as is appropriate to reflect the relative fault of the
Company and of each such Holder in connection with such statements or omissions,
as well as any other relevant equitable considerations. The relative fault of
the Company and of each such Holder shall be determined by reference to, among
other things, whether the untrue or alleged untrue statement of a material fact
or the omission or alleged omission to state a material fact relates to
information supplied by the Company or such Holder and the party's relative
intent, knowledge, access to information and opportunity to correct or prevent
such statement or omission. The Company and such Holders agree that it would not
be just and equitable if contribution pursuant to this Section 7(d) were
determined by pro rata allocation (even if such Holders were treated as one
entity for such purposes) or by any other method of allocation which does not
take account of the equitable considerations referred to in the immediately
preceding paragraph. The amount paid or payable by an indemnified party as a
result of the losses, claims, damages, liabilities, expenses or judgments
referred to above shall be deemed to include, subject to the limitations set
forth above, any legal or other expenses reasonably incurred by such indemnified
party in connection with

                                      -12-
<PAGE>

investigating or defending any such action or claim. Notwithstanding the
provisions of this Section 7(d), no Holder shall be required to contribute any
amount in excess of the amount by which the total price at which the Registrable
Securities of such Holder were offered to the public exceeds the amount of any
damages which such Holder has otherwise been required to pay by reason of such
untrue or alleged untrue statement or omission or alleged omission. No Person
guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of
the Securities Act) shall be entitled to contribution from any Person who was
not guilty of such fraudulent misrepresentation.

SECTION 8.     MARKETING RESTRICTIONS.

     SECTION 8.1. PRIORITY ON DEMAND REGISTRATIONS PURSUANT TO SECTION 2. With
respect to a Demand Registration pursuant to Section 2 hereof, if in the opinion
of the managing underwriter or underwriters of a proposed offering the number of
Registrable Securities requested to be included in such offering exceeds the
number which can be sold in such offering or is reasonably likely to materially
and adversely affect the success or offering price of such offering, the shares
shall be included in such offering in the following priority (subject to Section
8.3 below): (i) first, shares of the Holders pro rata on the basis of the number
of shares requested to be included by each; (ii) next, shares requested to be
included by the Company; and (iii) next, any other shares of Common Stock
requested to be included by any other Person.

     SECTION 8.2. PRIORITY ON INCIDENTAL REGISTRATIONS PURSUANT TO SECTION 3.
With respect to an Incidental Registration pursuant to Section 3 hereof, if in
the opinion of the managing underwriter or underwriters of such offering the
number of Registrable Securities which the Holders intend to include in such
offering exceeds the number which can be sold in such offering or is reasonably
likely to materially and adversely affect the success or offering price of such
offering, the shares shall be included in such offering in the following
priority (subject to Section 8.3 below): (i) first, shares requested to be
included by the Company; (ii) shares of the Holders pro rata on the basis of the
shares requested to be included by each; and (iii) next, shares of the holders
of any other registration rights granted by the Company in writing, pro rata in
accordance with the number of such securities each such holder has requested to
be included in such registration.

     SECTION 8.3. ADDITIONAL REGISTRATION RIGHTS. The Company shall not grant to
any Person at any time after the date hereof the right to request the Company to
effect the registration or qualification or filing for exemption under the
Securities Act or any state securities laws of any securities of the Company
unless the agreement or agreements providing for such rights specifically
provide that the holders of such rights ("THIRD PARTY RIGHTS") may not
participate in any registration requested pursuant to a demand registration
pursuant to Section 2 unless the underwriters of the distribution confirm that
the inclusion of the securities proposed to be included pursuant to said Third
Party Rights will not materially adversely effect the offering pursuant to such
registration; PROVIDED, HOWEVER, that the Company may grant such Third Party
Rights to a Person who has purchased securities of the Company with an aggregate
cash purchase price of at least $2.0 million prior to the Company's first
Qualified Public Offering which rights may allow participation in a Demand
Registration pursuant to Section 2 as though

                                      -13-
<PAGE>

such person was a Holder. The Company has not granted any registration rights to
any person prior to the date hereof.

SECTION 9.     LOCKUP AGREEMENT.

         Each Holder agrees in connection with any registration of any of the
Company's equity securities in a firm commitment underwritten offering that,
upon the request of the Company or the underwriters managing such offering of
the Company's securities, he or it will not sell, make any short sale of, loan,
grant any option for the purchase of, or otherwise dispose of any securities of
the Company (other than the securities included in the registration) without the
prior written consent of such underwriters, for such period of time (not to
exceed 180 days if the registration relates to the Company's Qualified Public
Offering and second public offering and 90 days for any other offering) from the
effective date of such registration as the Company or the underwriters may
specify. In connection with any registration pursuant to Section 2 which is a
firm commitment underwritten offering, the Company agrees that it will enter
into an agreement with the Holders and the underwriters restricting the
Company's ability to effect sales of its equity securities, PROVIDED such
agreement is in customary form and for a reasonable period of time from the
effective date of such registration. The Company further agrees that it shall
not proceed with any registration of the Company's securities unless and until
each of the officers and directors of the Company have agreed to the same
restrictions which the Holders have agreed to pursuant to the first sentence of
this Section 9.

SECTION 10.    COMPLIANCE WITH RULE 144.

         In the event that the Company (a) registers a class of securities under
Section 12 of the Exchange Act, (b) issues an offering circular meeting the
requirements of Regulation A under the Securities Act or (c) commences to file
reports under Section 13 or 15(d) of the Exchange Act, then at the request of
any Holder who proposes to sell securities in compliance with Rule 144, the
Company shall, to the extent necessary to enable such Holder to comply with such
Rule, (y) promptly furnish to such Holder a written statement of compliance with
the filing requirements of the Commission as set forth in Rule 144 and (z) make
available to the public, and such Holders such information as will enable the
Holders to make sales pursuant to Rule 144.

SECTION 11.    ASSIGNABILITY OF REGISTRATION RIGHTS.

         The rights set forth in this Agreement shall not be assignable by a
Holder without the prior consent of the Company, which will not be unreasonably
withheld.

SECTION 12.    DESIGNATION OF UNDERWRITER.

         In the case of any registration effected pursuant to this Agreement,
the managing underwriters shall be selected by the Board and shall be reasonably
acceptable to the Investors participating in any such offering.

                                      -14-
<PAGE>

SECTION 13.    MISCELLANEOUS.

     SECTION 13.1. AMENDMENT. This Agreement may be amended to effect any
amendment to or waiver under this Agreement, by a written agreement signed by
all of the following:

               (a)  the Company,

               (b)  the Investors, and

               (c)  in the case of any amendment that adversely affects any
          right of the Founders, the Founders holding more than 50% of the
          Registrable Securities then held by the Founders.

     SECTION 13.2. SEVERABILITY. In the event that any court or any governmental
authority or agency declares all or any part of any Section of this Agreement to
be unlawful or invalid, such unlawfulness or invalidity shall not serve to
invalidate any other Section of this Agreement, and in the event that only a
portion of any Section is so declared to be unlawful or invalid, such
unlawfulness or invalidity shall not serve to invalidate the balance of such
Section.

     SECTION 13.3. SUCCESSORS. All representations, warranties, covenants and
agreements of the parties contained in this Agreement or made in writing in
connection herewith, shall, except as otherwise provided herein, be binding upon
and inure to the benefit of their respective successors.

     SECTION 13.4. NOTICES. All communications in connection with this Agreement
shall be in writing and shall be deemed properly given if hand delivered or sent
by telecopier (PROVIDED that such communication is confirmed by same-day deposit
in the United States mail) or overnight courier with adequate evidence of
delivery or sent by registered or certified mail, return receipt requested, and,
if to a Holder, addressed to such Holder's address as shown on the books of the
Company or its transfer agent, and if to the Company, at its offices at:

         Company:
         4750 Hempstead Station Drive
         Dayton, Ohio  45429
         Attention: President

or such other addresses or Persons as the recipient shall have designated to the
sender by a written notice given in accordance with this Section. Any notice
called for hereunder shall be deemed given when received.

     SECTION 13.5. GOVERNING LAW. This Agreement shall be governed by and
construed in accordance with the laws of the State of Delaware applicable to
agreements between Delaware residents entered into and to be performed entirely
within Delaware.

                                      -15-
<PAGE>

     SECTION 13.6. COUNTERPARTS. This Agreement may be executed in two or more
counterparts, each of which shall be deemed an original but all of which shall
together constitute one and the same Agreement.

     SECTION 13.7. HEADINGS. The headings used herein are solely for the
convenience of the parties and shall not control or affect the meaning or
construction of any provisions hereof.

     SECTION 13.8. ENTIRE AGREEMENT. This Agreement and the other documents and
agreements executed by the parties hereto on this date or referred to herein or
therein together constitute the entire agreement and understanding of the
parties hereto in respect of the subject matter referred to herein and therein,
and there are no restrictions, promises, representations, warranties, covenants,
or undertakings with respect to the subject matter hereof, other than those
expressly set forth or referred to herein or therein.

                                      -16-
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Registration
Rights Agreement to be executed on the day first above written.

<TABLE>
<CAPTION>
The Company:                           ZENGINE, INC.
<S>                                    <C>
                                       By /s/ JOSEPH M. SAVARINO
                                         ----------------------------------
                                              Joseph M. Savarino

Investors:                             WILBLAIRCO ASSOCIATES

                                          By /s/ MARK BRADY
                                         ----------------------------------
                                              Mark Brady

                                       AT HOME CORPORATION

                                       By /s/ DAVID PINE
                                         ----------------------------------
                                              David Pine

                                              General Counsel

Founders:                              MIAMI COMPUTER SUPPLY CORPORATION

                                       By /s/ IRA H. STANLEY
                                         ----------------------------------
                                              Ira H. Stanley

                                              /s/ JOSEPH M. SAVARINO
                                         ----------------------------------
                                              Joseph M. Savarino

                                              /s/ LALIT DHADPHALE
                                         ----------------------------------
                                              Lalit Dhadphale

                                              /s/ CHRISTOPHER FEAVER
                                         ----------------------------------
                                              Chris Feaver
</TABLE>

                                      -17-<PAGE>
                                                                   Exhibit 10.8

                             STOCKHOLDERS AGREEMENT

         THIS STOCKHOLDERS AGREEMENT is made and entered into as of the 30th day
of September, 1999, by and among Zengine, Inc., a Delaware corporation (the
"COMPANY"), Miami Computer Supply Corporation, an Ohio corporation (the
"PARENT"), each of the Persons listed on Schedule A hereto (collectively, the
"INVESTORS"), and each of the Persons who may from time to time be awarded stock
options and will execute a supplemental signature page to this Agreement as a
condition to such award and be listed on Schedule B hereto, as amended from time
to time (the "OPTION HOLDERS").

         WHEREAS, the Parent, the Investors and the Option Holders are
collectively referred to as the "STOCKHOLDERS" and individually as a
"STOCKHOLDER."

         WHEREAS, the Stockholders are the holders of all of the issued and
outstanding shares of common stock of the Company, no par value per share (the
"COMMON SHARES").

         WHEREAS, pursuant to that certain Stock Purchase Agreement, dated as of
September 30, 1999 (the "STOCK PURCHASE AGREEMENT"), the Company will sell
133,333 Common Shares to each of the Investors.

         WHEREAS, the Company and the Stockholders desire to enter into this
Agreement for the purposes of, among others, specifying and limiting the manner
and terms upon and by which the Common Shares shall or may be transferred in
certain circumstances.

         NOW, THEREFORE, in consideration of the foregoing and other good and
valuable consideration, the receipt and adequacy of which is hereby
acknowledged, the parties to this Agreement hereby agree as follows:

SECTION 1.     DEFINITIONS.

         As used in this Agreement, the following terms shall have the following
respective meanings, whether used in the singular or the plural:

         "ADDITIONAL SHARES" has the meaning set forth in Section 5 hereof.

         "AFFILIATE" means, with respect to any person, any entity controlling,
controlled by or under common control with such designated person. For the
purposes of this definition "CONTROL" shall have the meaning specified as of the
date of this Agreement for that word in Rule 405 promulgated by the Securities
and Exchange Commission under the Securities Act.

         "BOARD OF DIRECTORS" means the board of directors of the Company.

         "BUSINESS DAY" means any day except a Saturday, Sunday or other day on
which banks are authorized by applicable Federal law to close.

         "COMMON SHARES" has the meaning set forth in the recitals.

<PAGE>

         "COMPANY" means Zengine, Inc., a Delaware corporation.

         "COMPELLED HOLDERS" has the meaning set forth in Section 4 hereof.

         "COMPELLED SALE" has the meaning set forth in Section 4 hereof.

         "COMPELLED SALE NOTICE" has the meaning set forth in Section 4 hereof.

         "COMPELLING HOLDERS" has the meaning set forth in Section 4 hereof.

         "CONTROL TRANSFER" means one or a series of related transactions as a
result of which (i) any Third Party, or group of Third Parties acting in
concert, acquires, directly or indirectly, a majority of the Company's Common
Shares (on a Fully-Diluted Basis), (ii) the Company consolidates with or merges
into or with, or effects any plan of share exchange with, any Person and after
giving effect to such consolidation, merger or plan of share exchange any Third
Party or group of Third Parties acting in concert owns, directly or indirectly,
a majority of the shares of common stock of the Person (on a Fully-Diluted
Basis) surviving such consolidation, merger or share exchange or (iii) all or
substantially all of the assets of the Company are sold, leased, exchanged or
otherwise transferred as an entirety to any Third Party or group of Third
Parties acting in concert.

         "COVERED SECURITIES" means, without duplication, (A) the Common Shares
purchased or otherwise acquired by the Stockholders which as of a date of
determination are outstanding, (B) the Underlying Shares (or the instrument
pursuant to which such Underlying Shares are issuable, including, without
limitation, any stock options) which as of such date are outstanding (or, in the
case of such instrument, may at such time be exercised), and (C) any equity
securities referred to in clauses (A) and (B) above issued or issuable directly
or indirectly with respect to the Common Shares, which as of such date are
outstanding, by way of share dividend or share split or in connection with a
combination of shares, recapitalization, merger, consolidation, plan of share
exchange or other reorganization. For purposes of this Agreement, a Person will
be deemed to be a holder or owner of Covered Securities, whenever such Person
has the right, other than pursuant to the terms of this Agreement, to acquire
such Covered Securities (by conversion, exercise of warrant or option or
otherwise, but disregarding any legal restrictions (other than imposed pursuant
to this Agreement) upon the exercise of such right), whether or not such right
has been exercised.

         "DULY ENDORSED" means duly endorsed in blank by the Person or Persons
in whose name a share certificate is registered or accompanied by a duly
executed share assignment separate from the certificate.

         "FAIR MARKET VALUE" per Common Share means, as of any date, the fair
market value per Common Share as of the end of the immediately preceding
calendar quarter, calculated on a Fully-Diluted Basis and determined as follows:
(i) in the event the Common Shares are publicly traded, then the closing price
on the last trading day of the immediately preceding calendar quarter; (ii) in
the event the Common Shares are not publicly traded, then the Fair Market Value
shall be determined in good faith by the Board of Directors.

                                      -2-
<PAGE>

         "FULLY-DILUTED BASIS" means all outstanding Common Shares and all
Underlying Shares.

         "HSR ACT" means the Hart-Scott-Rodino Antitrust Improvements Act of
1976, as amended.

         "INVESTORS" has the meaning set forth in the recitals.

         "MAXIMUM COMPELLED SALE" has the meaning set forth in Section 4 hereof.

         "PERSON" means an individual, partnership, corporation, limited
liability company, business trust, joint stock company, trust, unincorporated
association or organization, joint venture, government or department or agency
thereof, or other entity of whatever nature.

         "PUBLIC SALE" means any sale of securities pursuant to a registered
public offering under the Securities Act or any public distribution of
securities pursuant to Rule 144 effected through a broker or dealer.

         "PURCHASE NOTICE" has the meaning set forth in Section 2.2 hereof.

         "QUALIFIED PUBLIC OFFERING" means the first sale to the public of
Common Shares pursuant to an effective registration statement under the
Securities Act under which (a) the aggregate price to the public of the Common
Shares actually sold to the public in such first sale, less the amount of
underwriters' and brokers' commissions and expense allowances paid by the
Company in connection with the original sale of such Common Stock, is
$25,000,000 or more, and (b) results in the Common Shares being listed on the
New York Stock Exchange, the American Stock Exchange or the Nasdaq National
Stock Market.

         "REQUIRED PERCENTAGE" means more than 40%.

         "RULE 144" means Rule 144 promulgated by the Securities and Exchange
Commission under the Securities Act as such rule may be amended from time to
time, or any similar rule then in force.

         "SECURITIES ACT" means the Securities Act of 1933, as amended from time
to time.

         "SECURITIES AND EXCHANGE COMMISSION" means the Securities and Exchange
Commission and any federal governmental body or agency succeeding to the
functions thereof.

         "STOCK PURCHASE AGREEMENT" has the meaning set forth in the recitals.

         "STOCKHOLDER" has the meaning set forth in the recitals.

         "STOCKHOLDER TRANSFER NOTICE" has the meaning set forth in Section 2.2
hereof.

          "TAG ALONG ACCEPTANCE" has the meaning set forth in Section 3(b)
hereof.

                                      -3-
<PAGE>

         "TAG-ALONG NOTICE" has the meaning set forth in Section 3(a) hereof.

         "TAG-ALONG NOTICE PERIOD" has the meaning set forth in Section 3(b)
hereof.

         "TAG-ALONG OFFER" has the meaning set forth in Section 3(a) hereof.

         "TAG-ALONG OFFEREE" has the meaning set forth in Section 3(a) hereof.

         "TAG-ALONG OFFEREE SECURITIES" has the meaning set forth in Section
3(c) hereof.

          "TAG-ALONG OFFEROR" has the meaning set forth in Section 3(a) hereof.

         "TAG-ALONG SECURITIES" has the meaning set forth in Section 3(a)
hereof.

         "THIRD PARTY" means a Person who was not (i) a party to this Agreement,
(ii) a transferee of a transferor who was, or whose predecessor in interest was,
a party to this Agreement, (iii) an Affiliate of the Company or any Stockholder
or (iv) an employee of the Company on the date such person became a Stockholder.

         "TRANSFER" means any sale, assignment, pledge, hypothecation or other
transfer.

         "UNDERLYING SHARES" means all Common Shares issuable upon exercise of
any then outstanding options (including any stock options), warrants,
convertible or exchangeable securities or other similar instruments or rights;
PROVIDED, that the Common Shares so issuable shall only be included in
"Underlying Shares" to the extent any such option, conversion or exchange is
fully exercisable, convertible or exchangeable with respect to such Common
Shares at the time the determination of the number of "Underlying Shares" is
made.

SECTION 2.     TRANSFER RESTRICTIONS.

     SECTION 2.1. NOTICE OF PROPOSED TRANSFER. If, prior to any transfer or sale
of any Common Shares, the holder desiring to effect such transfer or sale shall
deliver a written notice to the Company describing briefly the manner of such
transfer or sale (and certifying as to whether the proposed transferee is a
citizen of the United States) and a written opinion of counsel for such holder
(PROVIDED that such counsel, and the form and substance of such opinion, are
reasonably satisfactory to the Company) to the effect that such transfer or sale
may be effected without the registration of such securities under the Securities
Act, the Company shall thereupon permit or cause its transfer agent (if any) to
permit such transfer or sale to be effected.

     SECTION 2.2. COMPANY RIGHT OF FIRST REFUSAL. Notwithstanding any provision
to the contrary in this Agreement, no Stockholder shall sell, assign, convey,
deliver or otherwise transfer any of its Common Shares without prior notice to
the Company and the expiration of the time period set forth in this Section 2.2.
In such notice ("STOCKHOLDER TRANSFER NOTICE"), the Stockholder desiring to sell
its Common Shares shall provide: (i) the number of shares to be sold; (ii) the
name, address, business or occupation of the proposed acquiror and whether, in
the judgement of the Stockholder, the proposed acquiror competes with the
business of the

                                      -4-
<PAGE>

Company; (iii) information with respect to the offered price and terms of the
proposed sale of the shares; and (iv) the proposed closing date of such sale.
Within five (5) Business Days after receipt of the Stockholder Transfer Notice,
the Company shall notify (the "PURCHASE NOTICE") the Stockholder who desires to
sell its Common Shares as to whether the Company will buy such shares on the
same terms and at the same price as offered by the proposed acquiror. If the
Purchase Notice is not so received by the Stockholder within the time period set
forth above, it may thereafter consummate the sale of such shares. If the
Purchaser Notice is so received, the Stockholder shall be obligated to sell such
shares to the Company and the closing of such sale of the Stockholder's Common
Shares shall occur on a date mutually agreed upon by the parties, but not later
than ten (10) Business Days after the delivery of the Purchase Notice.

     SECTION 2.3. TERMINATION OF RESTRICTIONS. (a) Notwithstanding the foregoing
provisions of this Section 2, the restrictions imposed by this Section 2 upon
the transferability of Common Shares shall terminate as to any particular Common
Share when (i) such security shall have been effectively registered under the
Securities Act and sold by the holder thereof in accordance with such
registration, or (ii) prior to such transfer a written opinion to the effect
that such restrictions are no longer required or necessary under any federal or
state securities law or regulation shall have been received by the Company from
counsel for the holder thereof (PROVIDED that such counsel, and the form and
substance of such opinion, are reasonably satisfactory to the Company) or
counsel for the Company, or (iii) such security shall have been sold without
registration under the Securities Act in compliance with Rule 144, or (iv) the
Company is reasonably satisfied that the holder of such security shall, in
accordance with the terms of subsection (k) of Rule 144, be entitled to sell
such security pursuant to such subsection, or (v) a letter or an order shall
have been issued to the holder thereof or the Company by the staff of the
Securities and Exchange Commission or such Commission stating that no
enforcement action shall be recommended by such staff or taken by such
Commission, as the case may be, if such security is transferred without
registration under the Securities Act in accordance with the conditions set
forth in such letter or order and such letter or order specifies that no
subsequent restrictions on transfer are required.

     (b)  Whenever the restrictions imposed by this Section 2 shall terminate,
as hereinabove provided, the holder of any Common Share then outstanding as to
which such restrictions shall have terminated, shall be entitled to receive from
the Company, without expense to such holder, one or more new certificates for
Common Shares not bearing the restrictive legends set forth in this Section 2.

     SECTION 2.4. IMPROPER TRANSFER. Any attempt to Transfer any Covered
Securities which is not in accordance with this Agreement shall be null and void
AB INITIO, and the Company shall not give any effect to such attempted Transfer
in the share records of the Company.

SECTION 3.     TAG ALONG RIGHTS.

     (a)  If a Stockholder or group of Stockholders (the "TAG-ALONG OFFEROR")
determines to Transfer a number of Covered Securities equal to or greater than
the Required Percentage of Covered Securities of the Company on a Fully-Diluted
Basis (the "TAG-ALONG SECURITIES"), including a Control Transfer pursuant to
which the Compelling Holders exercise their rights to

                                      -5-
<PAGE>

require the Compelled Holders to sell Covered Securities pursuant to Section 4,
the Tag-Along Offeror shall provide written notice (the "TAG-ALONG NOTICE"), to
the other Stockholders (each a "TAG-ALONG OFFEREE") in the manner set forth in
this Section 3. The Tag-Along Notice shall identify the proposed transferee or
transferees, the Tag-Along Securities (including an identification of the class
or classes of Covered Securities), the Tag-Along Offeree's rights pursuant to
this Section 3 (the "TAG-ALONG OFFER"), the estimated expenses associated with
the sale, a description of the price and the principal terms and conditions of
the Tag-Along Offer and, in the case of a Tag-Along Offer in which the
consideration payable for Tag-Along Securities consists in part or in whole of
consideration other than cash, a description of the non-cash component of the
consideration, together with the Tag-Along Offeror's reasonable estimate of the
fair market value of such non-cash component.

     (b)  The Tag-Along Offerees shall have the right and option, exercisable as
set forth below, to accept the Tag-Along Offer for up to such number of Covered
Securities in respect to which the Tag-Along Offer is made, as determined in
accordance with the provisions of this Section 3. Subject to the last sentence
of Section 3(d) hereof, the terms of any sale of such Covered Securities by a
Tag-Along Offeree pursuant to the exercise of its option under this Section 3
shall be the same terms as those for the sale of Covered Securities by the
Tag-Along Offeror as set forth in the Tag-Along Notice; PROVIDED, that any
general indemnity given by the sellers, applicable to liabilities not specific
to a particular seller, to the purchasers in connection with such sale shall be
apportioned among all the sellers according to the consideration to be received
by each seller, PROVIDED, that the maximum indemnity or liability of each seller
shall be limited to the amount of proceeds received by it from such sale. If a
Tag-Along Offeree desires to exercise such option, he shall provide the
Tag-Along Offeror with written irrevocable notice (the "TAG-ALONG ACCEPTANCE"),
specifying, subject to Section 3(c) hereof, the number of Tag-Along Securities
as to which he or it is accepting the Tag-Along Offer within ten (10) Business
Days after the date on which the Tag-Along Notice is given (the "TAG-ALONG
NOTICE PERIOD"). If any Tag-Along Offerees so accept (in whole or in part) the
Tag-Along Offer, the Tag-Along Offerees shall each, upon the earlier of (i)
three (3) Business Days prior to the consummation of the sale or other
disposition of the Tag-Along Securities pursuant to the Tag-Along Offer or (ii)
ten (10) Business Days following the expiration of the Tag-Along Notice Period,
deliver to the Company, to be held by the Company for sale or return upon the
terms of this Section 3, the certificate or certificates representing the
Covered Securities to be sold or otherwise disposed of pursuant to such Offer by
such Tag-Along Offerees, Duly Endorsed, together with a limited power of
attorney authorizing the Tag-Along Offeror to sell or otherwise dispose of such
Covered Securities pursuant to the terms of the Tag-Along Offer.

     (c)  The Tag-Along Offeree shall have the right to sell, pursuant to the
Tag-Along Offer, the number of Covered Securities (the "TAG ALONG OFFEREE
SECURITIES") equal to the greater of: (i) the number specified in such Person's
Tag-Along Acceptance, or (ii) the number of Covered Securities equal to the
product of (x) the total number or principal amount of Covered Securities
(including Underlying Shares) held by such Tag-Along Offeree, times (y) a
fraction, the numerator of which shall be the total number or principal amount
of Covered Securities (including Underlying Shares) to be sold by the Tag-Along
Offeror pursuant to such Tag-Along Offer, and the denominator of which shall be
the total number or principal amount of the then outstanding Covered Securities
(including Underlying Shares) held by such Tag-Along Offeror.

                                      -6-
<PAGE>

     (d)  Promptly after the consummation of the sale or other disposition of
the Tag-Along Securities pursuant to the Tag-Along Offer, the Tag-Along Offeror
shall notify the Tag-Along Offeree thereof and shall remit to the Tag-Along
Offeree the total sales price of the Tag-Along Offeree Securities sold or
otherwise disposed of pursuant thereto (after deduction of the proportionate
share of the expenses associated with such sale, based on the number or amount
of the Tag-Along Offeree Securities in relation to the total number or amount of
Covered Securities being sold pursuant to the Tag-Along Offer).

     (e)  If at the termination of the Tag-Along Notice Period any Tag-Along
Offeree shall not have accepted the Tag-Along Offer, such Tag-Along Offeree will
be deemed to have waived any and all of its rights under this Section 3 with
respect to the sale or other disposition of any Covered Securities pursuant to
such Tag-Along Offer as described in the Tag-Along Notice. The Tag-Along Offeror
shall have 120 days (or such longer period not exceeding 180 days as may be
necessary to comply with any applicable provisions of the HSR Act) in which to
sell the Tag-Along Securities and Tag-Along Offeree Securities not otherwise
excluded pursuant to the previous sentence, at a price not higher than that
contained in the Tag-Along Notice to the Tag-Along Offeror and on terms not
materially more favorable to the Tag-Along Offeror than were contained in the
Tag-Along Notice. If, at the end of such 120 day period (or such longer period,
as aforesaid) the Tag-Along Offeror has not completed the sale of all the
Tag-Along Securities, the Tag-Along Offeror shall return to the Tag-Along
Offeree all certificates representing the Covered Securities which the Tag-Along
Offeree delivered for sale or other disposition pursuant to this Section 3 and
this Section 3 shall again apply to offers and sales of Tag-Along Securities.

     (f)  Notwithstanding anything contained in this Section 3, there shall be
no liability on the part of the Tag-Along Offeror to any Person if the sale of
Tag-Along Securities pursuant to this Section 3 is not consummated for whatever
reason. The Tag-Along Offeror shall have full and absolute discretion to effect
or not to effect a sale of Covered Securities pursuant to this Section 3.

SECTION 4.      RIGHTS TO COMPEL SALE.

     (a)  If any Stockholders holding at least the Required Percentage of Common
Shares of the Company on a Fully-Diluted Basis (the "COMPELLING HOLDERS")
propose to make a Control Transfer (whether pursuant to a share sale, plan of
share exchange, merger, consolidation, or sale, lease, exchange or transfer of
all or substantially all of the assets of the Company) (the "COMPELLED SALE"),
then the Compelling Holders shall have the right, exercisable as set forth
below, to require each of the other Stockholders (the "COMPELLED HOLDERS") to
sell the number of Covered Securities (including Underlying Shares) then held by
them calculated as follows:

          (i)  The number or principal amount of Covered Securities which the
     Compelling Stockholders may require each Compelled Holder to sell shall be
     determined by the Compelling Stockholders, but shall be no greater than the
     product of (A) the total number of Covered Securities (including Underlying
     Shares) held by such Compelled Holders times (B) a fraction, the numerator
     of which shall be the total number or principal amount of Covered
     Securities (including Underlying Shares) proposed to be

                                      -7-
<PAGE>

     sold by such Compelling Holders, and the denominator of which shall be the
     total number of the then outstanding Covered Securities then held by such
     Compelling Holders (such product, the "MAXIMUM COMPELLED SALE"); PROVIDED,
     that if the number of Covered Securities that a Compelled Holder is
     required to sell pursuant to this Section 4 is less than the Maximum
     Compelled Sale, any such Compelled Holder shall retain Tag-Along Rights
     pursuant to Section 3 as to the number of Covered Securities equal to the
     difference between the Maximum Compelled Sale and the number of Covered
     Securities required to be sold by such Compelled Holder, and may give
     notice to exercise such Tag-Along Rights within five Business Days after
     receiving notice of the Compelled Sale and of the fact that the amount of
     his Compelled Securities are less than the Maximum Compelled Sale.

          (ii) Subject to the last sentence of Section 4(b)(iii) hereof, the
     consideration to be received by the Compelled Holders for Covered
     Securities sold pursuant to this Section 4 shall be the same consideration
     per security to be received by the Compelling Holders, and the terms and
     conditions of such sale by the Compelled Holders shall be the same as those
     upon which the Compelling Holders sell their Covered Securities; PROVIDED,
     that any general indemnity given by the sellers, applicable to liabilities
     not specific to a particular seller, to the purchasers in connection with
     such sale shall be apportioned among all the sellers according to the
     consideration received by each seller; PROVIDED, that the maximum indemnity
     or liability of each Compelled Holder shall be limited to the amount of
     proceeds received by it from such sale.

     (b)  The Compelling Holders shall provide written notice (the "COMPELLED
SALE NOTICE") of such Compelled Sale to the other Stockholders as follows:

          (i)  The Compelled Sale Notice shall contain written notice of the
     exercise of the Compelling Holders' rights pursuant to Section 4(a) hereof,
     setting forth the consideration per share to be paid by the purchaser in
     such Control Transfer (and in the event the consideration consists in part
     or in whole of consideration other than cash, a description of the non-cash
     component of the consideration, together with the Compelling Stockholders'
     reasonable estimate of the Fair Market Value of such non-cash component),
     the other terms and conditions of the Compelled Sale, and the number of
     Covered Securities with respect to which such Compelling Holders are
     exercising their rights under this Section 4. Within fifteen (15) Business
     Days following the date of the Compelled Sale Notice, each Compelled Holder
     shall deliver to the Company (as agent for such Compelled Holders), to be
     held for sale or return upon the terms of this Section 4, the certificate
     or certificates representing Covered Securities held by such Compelled
     Holder, Duly Endorsed, together with a limited power-of-attorney
     authorizing the Compelling Holders or any one of them to sell or otherwise
     dispose of the Covered Securities to be sold pursuant to such Compelled
     Sale. In the event that a Compelled Holder should fail to deliver such
     certificate or certificates as aforesaid, the Company shall cause the books
     and records of the Company to show that such Covered Securities are bound
     by the provisions of this Section 4(b) and that such Covered Securities
     shall be Transferred only to the purchaser in such Control Transfer upon
     surrender for Transfer by the Compelled Holder thereof.

                                      -8-
<PAGE>

          (ii) If, within 120 days (or such longer period not exceeding 180 days
     as may be necessary to comply with any applicable provisions of the HSR
     Act) after the Compelling Holders give the Compelled Sale Notice, they have
     not completed the sale of all the Covered Securities to be sold in such
     Compelled Sale, such Compelling Holders shall return to each of the
     Compelled Holders all certificates representing securities that such
     Compelled Holder delivered for sale pursuant hereto.

          (iii) Promptly after the consummation of the sale of Covered
     Securities of the Compelling Holders and Compelled Holders pursuant to this
     Section 4, the Compelling Holders shall give notice thereof to the
     Compelled Holders, shall remit to the Compelled Holders the total sales
     price of the Covered Securities of the Compelled Holders sold pursuant
     thereto (after deduction of the Compelled Holders' proportionate share of
     the expenses associated with such sale, based on the number or amount of
     Covered Securities sold by the Compelled Holders in relation to the total
     number or amount of Covered Securities being sold pursuant to this Section
     4).

SECTION 5.     PREEMPTIVE RIGHTS.

         During the term of this Agreement, each of the Investors shall have the
right to purchase equity securities from the Company in order to maintain its
proportionate ownership interest in the Company in the event that the Company
proposes to issue any Common Shares or other classes of equity securities
("ADDITIONAL SHARES"); PROVIDED, HOWEVER, that said right shall not apply to the
issuance of equity securities in connection with a Qualified Public Offering.
The Company shall not issue Additional Shares without first complying with the
procedure set forth below:

                   (a) Each Investor shall have the right to purchase its
         proportionate number of Additional Securities, or such other number of
         any Additional Shares which the Company may, from time to time, propose
         to sell and issue at the same price per share as proposed to be sold by
         the Company so that after such sale each Investor still owns its
         proportional number of Covered Securities on a Fully Diluted Basis. For
         purposes of this Section 5, each Investor's "proportionate number"
         means 6.25%.

                   (b) In the event the Company proposes to undertake an
         issuance of Additional Shares, it will give each Investor written
         notice of its intention to do so prior to the date of any issuance,
         describing the Additional Shares and the price and terms upon which the
         Company proposes to issue the same, and setting forth the number of
         Shares which each Investor is entitled to purchase, the aggregate
         purchase price therefor and the proposed purchasers thereof. Each
         Investor will have ten (10) Business Days from the date of receipt of
         such notice to agree to purchase up to his proportionate number of such
         Additional Shares, for the price and upon the terms specified in the
         notice by giving written notice to the Company and stating therein the
         quantity of Additional Shares to be purchased.

                   (c) In the event an Investor fails to exercise such
         pre-emptive right within said ten (10) Business Day period the Company
         will have ninety (90) days thereafter to sell

                                      -9-
<PAGE>

     (or enter into a binding and unconditional agreement pursuant to which the
     sale of Additional Shares covered thereby will be and is consummated within
     ninety (90) days from the date of said agreement) the Additional Shares as
     to which such Investor's right was not exercised, at a price and upon such
     other terms no more favorable to the purchasers thereof than those
     specified in the Company's notice to the Investors. In the event the
     Company has not sold such Additional Shares within said ninety (90) day
     period (or sold and issued Additional Shares in accordance with the
     foregoing within ninety (90) days from the date of said agreement), the
     Company will not thereafter issue or sell any Additional Shares without
     first offering such Additional Shares to such Investor in the manner
     provided in this Section 5.

SECTION 6.     LEGEND.

         Each certificate evidencing Covered Securities and each certificate
issued in exchange for or upon the transfer of any Covered Securities (if such
securities remain Covered Securities upon such transfer) will be stamped or
otherwise imprinted with a legend in substantially the following form:

               THE SECURITIES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO A
               STOCKHOLDERS AGREEMENT DATED AS OF SEPTEMBER 30, 1999, BY AND
               AMONG ZENGINE, INC. AND THE STOCKHOLDERS THEREOF, AS THE SAME MAY
               BE AMENDED FROM TIME TO TIME, PURSUANT TO THE TERMS OF WHICH THE
               TRANSFER OF SUCH SECURITIES IS RESTRICTED. SUCH AGREEMENT ALSO
               PROVIDES FOR VARIOUS OTHER LIMITATIONS AND OBLIGATIONS, AND ALL
               OF THE TERMS THEREOF ARE INCORPORATED BY REFERENCE HEREIN. A COPY
               OF SUCH STOCKHOLDERS AGREEMENT WILL BE FURNISHED WITHOUT CHARGE
               BY THE COMPANY TO THE HOLDER HEREOF UPON WRITTEN REQUEST.

         The legend set forth in this Section 6 shall be removed from the
certificates evidencing any Covered Securities (i) which cease to be Covered
Securities or (ii) in connection with a termination of this Agreement.

SECTION 7.     TRANSFER OR ISSUANCE.

     (a)  Prior to transferring any Covered Securities (other than in a Public
Sale or a Control Transfer) to any Person, the transferring Stockholder will
cause the prospective transferee to execute and deliver counterparts of this
Agreement to the Company and to the Investors.

     (b)  Prior to the issuance of any Common Shares or any right with respect
thereto to any Person who is not a party to this Agreement, the Company will
cause such Person to execute and deliver counterparts of this Agreement to the
Company and to the Investors.

                                      -10-
<PAGE>

SECTION 8.     REPRESENTATION AND WARRANTY OF STOCKHOLDERS.

         Each of the Stockholders hereby represents and warrants (a) that it is
not a party to any contract or agreement (other than subscription agreements or
agreements with its Affiliates), including any voting trust or other voting
arrangement, whereby any of the Covered Securities or any interest therein held
by such party on the date hereof is to be offered, sold, assigned, pledged,
hypothecated, or otherwise transferred (as used in this Section 8 only, a
"TRANSFER"), and (b) that no such party has any present intention so to transfer
any Covered Securities or any interest therein to any Person.

SECTION 9.     NON-CONTRAVENTION AGREEMENT AND TERM.

     SECTION 9.1. CONTRADICTORY CHARTER TERMS. During the term of this agreement
as provided in Section 9.2 hereof, each of the Stockholders agree not to vote
for the approval of any amendment to the certificate of incorporation or By-laws
of the Company which would be contradictory to or hinder or delay the effect of
the provisions of this Agreement.

     SECTION 9.2. TERM. The agreements provided for in this Agreement will
expire upon the earlier of: (a) the third anniversary date of this Agreement, or
(b) the consummation of a Qualified Public Offering.

SECTION 10.     MISCELLANEOUS.

     SECTION 10.1. AMENDMENT AND WAIVER. Except as otherwise provided herein, no
modification, amendment or waiver of any provision of this Agreement will be
effective against the Company or the Stockholders, unless such modification,
amendment or waiver is approved in writing by the Company if it is to be
effective against the Company, or by the holders of the 51% of the Covered
Securities if it is to be effective against the Stockholders; PROVIDED, that (i)
an amendment, modification or waiver which adversely affects some holders of a
class of the Company's securities, as such, without affecting similarly all
holders of that class of securities, may not be made without the consent of all
such Stockholders who are adversely affected; (ii) no approval shall be required
in the case of any specific class of Stockholders whose rights would not be
affected by such amendment, modification or waiver and (iii) no amendment or
modification or waiver of Sections 2, 3, 4, 5, 7, 9, or 10.1, including the
defined terms used therein, shall be valid without the approval in writing of
each of the Investors. The failure of any party to enforce any of the provisions
of this Agreement will in no way be construed as a waiver of such provisions and
will not affect the right of such party thereafter to enforce each and every
provision of this Agreement in accordance with its terms. Notwithstanding the
foregoing, the Company may amend this Agreement from time to time without the
consent of the Stockholders to remove Stockholders that cease to own Common
Shares or stock options and to add new Stockholders who acquire Common Shares or
stock options upon compliance with Section 7 hereof.

     SECTION 10.2. SEVERABILTY. Whenever possible, each provision of this
Agreement will be interpreted in such manner as to be effective and valid under
applicable law, but if any provision

                                      -11-
<PAGE>

of this Agreement is held to be invalid, illegal or unenforceable in any respect
under any applicable law or rule in any jurisdiction, such invalidity,
illegality or unenforceability will not affect any other provision, but this
Agreement will be reformed, construed and enforced in such jurisdiction as if
such invalid, illegal or unenforceable provision had never been contained herein
and the remainder of this Agreement shall be interpreted so as to best
reasonably effect the intent of the parties hereto.

     SECTION 10.3. ENTIRE AGREEMENT. Except as otherwise expressly set forth
herein and without limiting the terms and provisions of the Stock Purchase
Agreement, this document embodies the complete agreement and understanding among
the parties hereto with respect to the subject matter hereof and supersedes and
preempts any prior understandings, agreements or representations by or among the
parties, written or oral, which may have related to the subject matter hereof in
any way.

     SECTION 10.4. SUCCESSORS AND ASSIGNS. (i) This Agreement will bind and
inure to the benefit of and be enforceable by the Company and its successors and
assigns and the Stockholders, any subsequent holders of Covered Securities and
the respective heirs, administrators, executors, representatives, successors and
permitted assigns of each of them, so long as they hold Covered Securities.

     (ii) By subscribing to this Agreement each Person that becomes a holder of
Covered Securities hereby agrees, as of the date such Person becomes a holder of
Covered Securities, to be bound by all of the terms and provisions hereof, which
provisions shall be binding upon the heirs, executors, administrators,
successors and permitted assigns of such Person.

     SECTION 10.5. COUNTERPARTS. This Agreement may be executed in separate
counterparts each of which will be an original and all of which taken together
will constitute one and the same agreement.

     SECTION 10.6. REMEDIES. The Stockholders will be entitled to enforce their
rights under this Agreement specifically (without posting a bond or other
security), to recover damages by reason of any breach of any provision of this
Agreement and to exercise all other rights existing in their favor. The parties
hereto agree and acknowledge that money damages will not be an adequate remedy
for any breach of the provisions of this Agreement and that any Stockholder may
in its sole discretion apply to a court of law or equity of competent
jurisdiction for specific performance and/or injunctive relief in order to
enforce or prevent any violation of the provisions of this Agreement.

     SECTION 10.7. NOTICES. All notices, demands or other communications to be
given or delivered under or by reason of the provisions of this Agreement will
be in writing and will be deemed effective and given upon actual delivery if
presented personally, one Business Day after the date sent if sent by prepaid
telegram, overnight courier services (specifying one-day delivery), telex or by
facsimile transmission, or five Business Days if mailed by certified or
registered mail, return receipt requested and postage prepaid, which shall be
addressed to the following addresses:

                                      -12-
<PAGE>

If to the Company:

                  4750 Hempstead Station Drive
                  Dayton, Ohio  45429
                  Attention:  President
                  Telephone:  937-291-8282
                  Facsimile:  937-291-8250

with a copy to:

                  Elias Matz, Tiernan & Herrick LLP
                  734 15th Street N.W., 12th Floor
                  Washington, DC  20005
                  Attention:  Jeffrey A. Koeppel
                  Telephone:  202-347-0300
                  Facsimile:  202-547-2172

If to the Investors:

                  To the addresses listed on Exhibit A

with a copy to:

                  Chapman and Cutler
                  111 West Monroe Street
                  Chicago, IL  60603
                  Attention:  Jonathan A. Koff
                  Telephone: (312) 845-2978
                  Facsimile:  (312) 701-2361

and

                  Fenwick & West
                  ____________________________

                  ____________________________
                  Attention: John Platz
                  Telephone: (650) 858-7244
                  Facsimile:  (650) 494-1417

If to any other Stockholders, the address set forth under such Stockholder's
name on the stock ledger of the Company, or such other address or to the
attention of such other person as the recipient party shall have specified by
prior written notice to the sending party.

                                      -13-
<PAGE>

     SECTION 10.8. GOVERNING LAW. All questions concerning the construction,
validity and interpretation of this Agreement will be governed by and construed
in accordance with the domestic laws of the State of Delaware, without giving
effect to any choice of law or conflict of law provision or rule (whether of the
State of Delaware or any other jurisdiction) that would cause the application of
the laws of any jurisdiction other than the State of Delaware.

     SECTION 10.9. DESCRIPTIVE HEADINGS. The descriptive headings of this
Agreement are inserted for convenience only and do not constitute a part of this
Agreement.

                                      -14-
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed this Stockholders
Agreement on the day and year first above written.

THE COMPANY:                                                   STOCKHOLDERS:

ZENGINE, INC.                                 WILBLAIRCO ASSOCIATES

By: /s/ JOSEPH M. SAVARINO                    By: /s/ MARK BRADY
   -----------------------------                 ----------------------------
 Name: Joseph M. Savarino                     Name: Mark Brady
 Title: President                             Title: Partner

                                              AT HOME CORPORATION

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

                                              MIAMI COMPUTER SUPPLY CORPORATION

                                              By: /s/ IRA H. STANLEY
                                                 ------------------------------
                                              Name: Ira H. Stanley
                                              Title: Vice President and CFO

                                                 /s/ JOSEPH M. SAVARINO
                                                 ------------------------------
                                                 Joseph Savarino

                                                 /s/ LALIT DHADPHALE
                                                 ------------------------------
                                                 Lalit Dhadphale

                                                 /s/ CHRISTOPHER FEAVER
                                                 ------------------------------
                                                 Chris Feaver

                                      -15-
<PAGE>

                                   SCHEDULE A

                                    INVESTORS

Wilblairco Associates
c/o Mark G. Brady
222 West Adams Street
Chicago, IL  60606

At Home Corporation
450 Broadway
Redwood City, CA  94063

<PAGE>

                                   SCHEDULE B

                                 OPTION HOLDERS

                       MICHAEL E. PEPPEL - 100,000 OPTIONS

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